Credit Manager

Helena Agri-Enterprises, LLC • West Des Moines, IA

7d

About The Position

The Credit Manager leads Helena's credit function and partners with sales and business leaders to support profitable growth while protecting the company's financial integrity. The role manages and trains a Credit Team, provides guidance on complex credit decisions, applies company credit policy, and builds relationships grounded in accountability and service. The manager oversees credit risk evaluation, credit approvals, receivables monitoring, collections, documentation, and reporting, and may travel with sales personnel to meet customers. The role also carries leadership responsibilities for team members, including interviewing, hiring, training, coaching, work assignment, performance appraisal, and addressing complaints and problems in accordance with company policies and applicable laws.

The position is based in a typical, mostly quiet office environment. It involves periodic travel by various means up to 10% of the time and may require driving a company vehicle. A valid U.S. driver's license and compliance with company driving requirements are required. Successful completion of a drug test and background check is required.

Requirements

• Bachelor's degree in finance, accounting, business, or a related field.
• Five years of credit experience.
• Ability to manage a portfolio of accounts by monitoring credit limits and account aging information and taking appropriate action.
• Working knowledge of accounting and financial concepts.
• Negotiation skills.
• Computer skills, including working knowledge of Microsoft Office; ability to create pivot tables and manipulate data to achieve business objectives.
• Ability to read, write, and speak English.
• Travel by various means up to 10% of the time.
• Valid U.S. driver's license and ability to meet all company requirements to drive a Helena vehicle.
• Successful completion of a drug test and background check.
• Ability to use hands for varied tasks, talk, hear, walk, stand, and sit; occasional lifting or moving of up to 10 pounds.

Nice To Haves

• Working knowledge of business intelligence software such as Orbit, Power BI, Oracle, and electronic credit files.
• Previous supervisory experience.
• NACM or CCE designation.
• Spanish communication skills.

Responsibilities

• Manage and train the Credit Team, typically including an Assistant Credit Manager, Credit Analysts, and Credit Administrators.
• Implement Helena's credit policy and conduct training to promote consistent application across the division.
• Analyze complex credit situations and initiate appropriate action.
• Review and approve credit requests up to $1 million; submit requests over $1 million to the Division Manager, Business Unit Vice President, and Director of Credit for approval.
• Evaluate customer credit risk and determine appropriate credit limits; communicate decisions and approved limits to branch and location teams in a timely manner.
• Monitor receivables and collection activity using Power BI, Orbit, and Oracle; identify problem accounts and work with sales teams and customers to resolve issues.
• Conduct annual reviews and adjustments of customer credit lines and review requests for credit line increases.
• Suspend or revoke credit lines when financial information indicates increased credit risk.
• Contact customers to obtain financial or credit information supporting credit decisions.
• Review and process requests for extended terms and lending partner arrangements, forwarding recommendations to the Division Manager for concurrence.
• Maintain complete documentation of credit decisions and supporting materials in electronic credit files and Oracle Credit Management.
• Review and approve credit-related adjustments and exception documents; maintain records of bad debt write-offs and recoveries.
• Negotiate repayment arrangements with delinquent customers.
• Travel periodically with sales personnel to meet customers regarding credit lines, credit information, farming operations or agribusinesses, and delinquent account collections.
• Identify accounts for placement with collection agencies or legal counsel and coordinate next steps.
• Coordinate collections activity with third-party lending partners.
• Review prepayment lines exceeding $500,000 and submit them to the Director of Credit for approval; establish and approve prepayment lines up to $500,000.
• Provide periodic receivables-quality updates to the Business Unit Vice President and Division Managers.
• Maintain active NACM membership and attend periodic meetings to support communication and exchange of credit information.
• Provide excellent service to internal and external customers; perform other work-related duties as assigned.
• Follow company policies and procedures and maintain regular, reliable attendance.
• Carry out leadership duties, including interviewing, hiring, training, coaching, planning and assigning work, directing employees, appraising performance, rewarding and disciplining employees, and resolving complaints and problems.

Benefits

• Health, dental, and vision insurance effective on the employee's first day.
• Up to $3,000 in Helena Reward Dollars for a Health Savings Account.
• 401(k) plan with a 100% company match up to 5% starting on the first day, with match potential up to 10% based on contribution amount as years of service increase.
• Three-year vesting on the company match with 1,000 hours of service.
• Earned Wage Access through DailyPay.
• Paid time off and holiday pay.
• Free term life insurance equal to 1x annual base pay.
• Free short- and long-term disability coverage.
• Up to four weeks of paid parental leave.
• Education assistance.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager