Credit Manager

The Credit Manager is responsible for protecting company assets by managing customer credit risk, overseeing accounts receivable performance, and leading collection efforts to ensure timely cash flow. This role balances risk management with customer relationship support to enable sales growth while maintaining strong financial controls. The Credit Manager develops and enforces credit policies, evaluates customer creditworthiness, manages delinquent accounts, and partners cross-functionally with Sales, Accounting, and Leadership to support business objectives.

• Evaluate credit applications by analyzing financial statements, trade references, credit bureau reports, and payment history.
• Establish and maintain appropriate credit limits and payment terms.
• Recommend approval, modification, or rejection of credit requests.
• Monitor customer credit exposure and proactively identify risk.
• Review and release orders held for credit concerns.
• Accounts Receivable & Collections Oversight
• Oversee aging reports and collection performance.
• Lead collection strategies to reduce past‑due balances and improve DSO.
• Audit delinquent accounts prior to bad debt write‑off to ensure proper collection efforts.
• Coordinate legal action or third‑party collection agencies when necessary.

• Develop, implement, and improve company credit policies and procedures.
• Ensure adherence to internal controls and documentation standards.
• Support audits by maintaining accurate credit and AR records.
• Monitor compliance with contractual payment terms.
• Review vendor contracts for financial terms, payment conditions, penalties, and risk exposure.
• Prepare and analyze AR aging reports, bad debt reserves, and credit risk exposure.
• Provide reporting required to maintain bank line of credit.
• Identify trends and recommend improvements to mitigate future risk.
• Track KPIs such as DSO, aging buckets, write‑offs, and recovery rates.
• Cross‑Functional Collaboration
• Partner with Sales to balance revenue growth and credit risk.
• Collaborate with Accounting on cash application, reconciliations, and dispute resolution.
• Communicate effectively with customers to maintain professional relationships while enforcing payment expectations.

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
• Minimum of 3-5 years of experience in credit management, accounts receivable, or financial risk management
• Strong knowledge of credit analysis, commercial collections, and Accounts Receivable management processes.
• Proficiency in credit reporting tools and financial analytical techniques.
• Excellent communication and negotiation skills.

• Credit management experience in Manufacturing, CPG (Consumer Packaged Goods), or food industry
• Experience working with ERP systems and credit management software.
• Familiarity with regulatory compliance related to credit and collections.
• Demonstrated leadership experience managing a credit or collections team.
• Advanced Excel and data analysis skills.