Credit Manager

Helena Agri-Enterprises, LLC • Columbia, SC

2d • Onsite

About The Position

The Credit Manager directs and coordinates activities within credit team. This includes conducting credit investigations and collecting delinquent accounts of customers.

Requirements

• Bachelor's degree in finance, accounting, business or related field is required.
• Five years of credit experience is required.
• Ability to manage a portfolio of accounts through monitoring credit limits and account aging information taking appropriate action when necessary is required.
• Ability to read, write and speak in English is required.
• Computer skills including working knowledge of Microsoft Office are required.
• Successful completion of a drug test and background check is required for all positions at Helena.

Nice To Haves

• Previous supervisory experience is preferred.
• NACM or CCE designation is preferred.
• Working knowledge of accounting and financial concepts.
• Good negotiation skills.
• Communicating in Spanish is a valuable skill at Helena.

Responsibilities

• Reviews credit requests submitted by the branch for adequate support and documentation and establishes credit lines within the level of authority set by company policy ($1 - $250,000; up to $500,000 if passes Helena model) and makes other decisions subject to company approval levels. Follows up appropriately for supplemental information where needed.
• Evaluates and determines credit limit amount and communicates limit to location team.
• Reviews and adjusts credit lines annually or when requested by the location.
• Makes adjustments when the credit line is exceeded.
• Suspends or revokes lines of credit when necessary upon receipt of external information pertinent to financial strength of account.
• Interacts with customers to obtain additional credit information to support credit lines.
• Submits requests and supporting documentation to director of credit on accounts over $250,000.
• Maintains active membership in NACM in order to maintain communication with members to accommodate the flow of credit information.
• Attends NACM meetings and participates in all required activities.
• Evaluates various adjustments or exception documents.
• Approves credit viability on requests for extended terms, passes on to division manager for concurrence, notifies location of decision and maintains a copy on file.
• Maintains bad debt and bad debt recovery records.
• Monitors receivables and collections and provides periodic updates of receivables quality to business unit vice president and division managers.
• Identifies problem accounts and communicates with sales and customers in most appropriate manner.
• Makes joint visits with salespersons.
• Negotiates payment programs with delinquent customers.
• Identifies accounts requiring collection agency or legal action and coordinates collections with third party contractor.
• Identifies violations of credit policies and suggests incentive penalties when appropriate.
• Generates legal documents used in the credit function.
• Coordinates yearly prepayment program.
• Provides a prepayment line of credit recommendation to the director of credit for amounts over $250,000.
• Coordinates reconciliation of branch location cash accounts.
• Approves and submits requests for new salesperson numbers and changes.
• Prepares and maintains yearly budget for the division credit team.
• Provides excellent customer service to all internal and external customers.
• Other work-related duties as assigned by your leader.
• Regular and reliable attendance is required.
• Follows all company policies and procedures.

Benefits

• Health, Dental & Vision Insurance STARTS THE SAME DAY YOU DO!
• Earn up to $3,000 in Reward Dollars from Helena for your Health Savings Account (HSA).
• Helena's robust 401(k) Savings Plan offers you a 100% company-match up to 5% starting on your first day. As your years of service with Helena increase, so does our company-match - up to 10% based on your contribution amount.
• Three-year vesting on company-match with 1,000 hours of service
• Access your earned pay between paydays through Earned Wage Access (EWA) with DailyPay.
• Up to 15 days paid time-off plus 9 paid holidays.
• Free Term Life Insurance at 1x your annual base pay - paid for by Helena at no cost to you.
• Free Short & Long-Term Disability.
• Up to four weeks of paid Parental Leave.
• Education Assistance.
• And much more!

What This Job Offers

• Job Type: Full-time
• Career Level: Manager
• Number of Employees: 5,001-10,000 employees