Job Description

Job DetailsLevel: ExperiencedJob Location: LUBB - LUBBOCK, TX 79407About the Company:
Robert Madden Industries, Ltd. is a family-owned HVAC distributor offering Bryant, Carrier, Day & Night, and Payne equipment, plus a full range of parts and supplies. For over 45 years, we’ve grown to serve Texas, Oklahoma, Northwest Arkansas, and Eastern New Mexico - large enough to support multiple locations yet grounded in the family values we were founded on in 1979.
About the Position:
The Credit Manager – WTX, OK, AR plays a key role in supporting the financial health of RMI while maintaining strong, respectful relationships with customers and internal teams. This position, based in Lubbock, is responsible for overseeing credit policies, managing the credit and collections team, and balancing credit risk with the company’s customer focused, relationship driven culture. The ideal candidate will be hands-on, fair, and consistent, someone who understands that good credit management supports both cash flow and long-term customer partnerships. This role works closely with sales, finance, and operations to ensure credit decisions are practical, well communicated, and aligned with company values. This role is expected to exercise independent judgment within established credit policies while supporting responsible sales growth. Essential Responsibilities:
Develop, implement, and maintain credit policies and procedures that support responsible growth and long-term customer relationships.
Review and approve customer credit applications, establish credit limits and payment terms, and apply credit standards consistently and fairly.
Oversee collections activities with a professional, customer focused approach to ensure timely payment while preserving goodwill.
Monitor accounts receivable aging and provide regular reporting on credit exposure, collections performance, key credit metrics (including DSO, delinquency trends, and high-risk exposure), and risk trends to senior management.
Conduct periodic credit reviews of existing customers and adjust credit limits and terms based on payment history, risk, and business conditions.
Lead, mentor, and support the credit and collections team, fostering accountability, collaboration, and professional development.
Develop and maintain standardized credit and collections procedures and training to ensure consistency across locations.
Work closely with sales, finance, and customer service teams to resolve account issues and support positive customer outcomes.
Partner with sales leadership to establish clear escalation paths for credit limit exceptions, terms variances, and high-risk accounts.
Handle escalated customer credit or collections matters with sound judgment, diplomacy, and consistency.
Oversee the resolution of billing disputes (including pricing, freight, returns, and credits) and identify root causes to reduce recurring issues.
Identify opportunities to improve credit and collections processes, reduce risk, and enhance cash flow.
Manage credit risk mitigation tools including personal guarantees, joint check agreements, UCC filings, lien rights, and bond claims where applicable.
Coordinate with legal counsel on bankruptcies, workouts, disputes, lien filings, and other collection remedies as necessary.
Utilize third-party credit information and monitoring tools (e.g., credit reporting agencies or credit insurance, if applicable) to support credit decisions and ongoing account reviews.
Ensure compliance with applicable laws, regulations, and internal controls related to credit and collections.
Perform other related duties as needed to support the credit and collection’s function.
Maintain strong internal controls over credit approvals, write-offs, and account adjustments.
Support internal and external audits related to accounts receivable, credit policies, and collections practices.
Ensure compliance with all regulatory requirements related to credit management and collections.
Perform other related duties as required to support credit and collections objectives.
Supervisory Responsibilities:
Directly supervises the credit and collections team, including training, coaching, performance management, and development.
Qualifications, Attributes, Education, and/or Experience:
Bachelor’s degree in finance, accounting, business, or related field (preferred).
Five (5) or more years of experience in credit management or collections, including supervisory responsibility.
Experience in wholesale distribution, construction-related industries, or trade credit environments preferred.
Experience managing large, complex customer accounts with significant credit exposure.
Strong judgement and analytical skills with the ability to balance risk management and customer relationships.
Clear, respectful communication style with strong negotiation and problem-solving skills.
Proven leadership ability in a team-oriented, hands-on environment.
High attention to detail and a practical, solution-focused mindset.
Working knowledge of laws and regulations related to credit, collections, lien rights, and secured transactions.
Computer Skills:
Proficiency in Microsoft Office applications, particularly Excel.
Experience with ERP or credit management systems (Epicor Prophet 21 preferred).
Ability to learn and adapt to new systems and tools as the business evolves.