Credit manager

Ferguson Enterprises•San Antonio, TX

24d•Onsite

About The Position

Ferguson is seeking a Credit Manager to oversee credit, collections, and accounts receivable operations. The role protects company assets while supporting sales growth and optimizing returns on receivables. The Credit Manager manages daily credit and collection activities in accordance with company policy and assigned authority, balancing risk management with customer support to promote profitable growth and minimize exposure. The position manages an accounts receivable portfolio of up to $20,000,000 and is based in San Antonio, Texas, supporting a multi-state territory that includes Texas and surrounding states. Regular overnight travel within the territory is required, and business travel expenses are fully reimbursed.

Requirements

Credit, collections, or accounts receivable experience.
Strong analytical and decision-making skills with sound business judgment.
Excellent communication and relationship-building abilities.
Ability to manage priorities and perform effectively in a fast-paced environment.
Understanding of the sales process.
Knowledge of credit evaluation and portfolio management.
Knowledge of financial statement analysis.
Knowledge of collections strategy and execution.
Customer and branch relationship management skills.
Knowledge of secondary security concepts and Uniform Commercial Code (UCC) fundamentals.
Enterprise and vendor systems proficiency.

Nice To Haves

Bachelor’s degree in Finance or a related field preferred.
Construction industry experience preferred.
Leadership or team development experience preferred.

Responsibilities

Evaluate and approve credit applications, limits, and account changes based on risk analysis.
Monitor customer balances and aging, and take action on delinquent accounts.
Develop and execute effective collection strategies.
Review and manage credit limits and lien rights to protect company interests.
Resolve disputes in partnership with sales teams and customers.
Manage bad debt exposure, including recovery efforts and legal escalation when necessary.
Ensure compliance with applicable laws and regulations, including UCC, FDCPA, ECOA, liens, bonds, and Sarbanes-Oxley.
Partner with sales teams through regular branch interaction and customer visits.
Structure credit solutions, such as joint check agreements, for project-based accounts.
Handle complex, high-risk, or exception accounts beyond standard authority.
Lead, coach, and develop credit team members.