Credit Manager

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.

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 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.

• 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.

Directly supervises the credit and collections team, including training, coaching, performance management, and development.

• Bachelor’s degree in finance, accounting, business,…