Job Description

This position can be based out of any of our locations within our company footprint.

Annual Salary Range- $64,000-96,000- Based on experience

If you are a strategic, analytical professional who thrives on balancing sound risk management with strong business relationships, we would love to hear from you. Join our team as a Commercial Credit Manger and play a key role in supporting responsible growth, protecting the organizations financial interests, and building long lasting partnerships. Apply today and bring your expertise to a team where your leadership will make a meaningful impact.

The Commercial Credit Manager is responsible for managing and maintaining the credit health of the organization’s more complex commercial and retail accounts. This role focuses on full life cycle of a customer – including new application review and terms assignment, payment reconciliation, collections communication, collections agency placement and bad debt write off. The position requires strong collaboration with operations management and sales as well as customers and third-party A/P providers. Additionally, this role will serve as a back-up for the Sr. Credit Manager. This is a non-supervisory position.

Essential Functions:

• Perform regular reconciliation of customer accounts to ensure accuracy of payment application; research and resolve any discrepancies
• Monitor accounts receivable aging reports and identify overdue accounts requiring outreach
• Contact customers by phone or email regarding missed or late payments in a professional and timely manner
• Work with customers and third-party A/P providers to identify ways to streamline the billing and payment processes
• Review commercial credit applications for approval of charge terms using commercial and consumer credit report data
• Create and provide reporting on commercial portfolio performance for senior management
• Assist in customer dispute resolution, working with management in the local market
• Work with collection agencies and attorneys in pursuit of outstanding debt
• Manage accounts through the bankruptcy process, including monitoring filings, coordinating with legal team, and ensuring compliance with company policies and regulatory requirements

Education:

• Bachelor’s degree in business, Finance, Accounting, or related field (or equivalent experience)

Experience:

• 3-5 years progressive experience in commercial credit, accounts receivable and/or collections roles
• Strong understanding of credit principles and analysis
• Knowledge of business bankruptcy laws and procedures
• Proficient in Microsoft Office Suite with intermediate or better Excel skills

Other Attributes Required

• Strong analytical and problem-solving skills
• Detail-oriented with strong organizational skills
• Excellent verbal and written communication skills
• Customer focused approach to problem resolution
• Good judgment and the ability to make sound decisions
• Advance skill level with Excel, PowerPoint and Outlook functions