Credit Manager

Helena Agri-Enterprises • West Des Moines, IA

7d

About The Position

The Credit Manager is a leadership role at Helena Agri-Enterprises, LLC, partnering with sales and business leaders to support profitable growth while protecting the company’s financial integrity. The position leads and develops a collaborative credit team, provides guidance on complex credit decisions, applies company credit policy, and builds trusted relationships grounded in accountability and service.

The Credit Manager assesses customer credit risk, sets and reviews credit limits, manages receivables and collection activity, and maintains complete records of credit decisions. The role coordinates with branch teams, customers, senior business leaders, third-party lending partners, collection agencies, and legal counsel. Periodic travel with sales personnel may involve meeting customers, learning about their farming operations or agribusinesses, and collecting delinquent accounts. Travel by various means up to 10% of the time is required.

The position oversees team members and performs leadership duties including interviewing, hiring, training, coaching, assigning and directing work, evaluating performance, rewarding and disciplining employees, and addressing complaints and problems in accordance with company policies, procedures, and applicable laws. The work is in a typically quiet office environment and requires regular and reliable attendance.

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.
• Proficiency in creating pivot tables and manipulating 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.

Nice To Haves

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

Responsibilities

• Manage and train the Credit Team, typically consisting of an Assistant Credit Manager, Credit Analysts, and Credit Administrators.
• Implement Helena’s credit policy and train employees to support consistent application across the division.
• Analyze, develop, and initiate action on complex credit situations.
• 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 credit 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 customer credit-line reviews and adjustments, review requests for credit-line increases, and suspend or revoke credit lines when financial information indicates increased risk.
• Contact customers to obtain financial or credit information needed to support credit decisions.
• Review and process requests for extended terms and lending-partner arrangements, and forward recommendations to the Division Manager for concurrence.
• Maintain electronic credit files and records of credit decisions and supporting materials in the Oracle Credit Management system.
• Review and approve credit-related adjustments and exception documents, and maintain records of bad-debt write-offs and recoveries.
• Negotiate repayment arrangements with delinquent customers.
• Travel periodically with sales personnel to meet customers about credit lines and credit information, understand farming operations or agribusinesses, and collect delinquent accounts.
• Identify accounts for placement with collection agencies or legal counsel and coordinate next steps.
• Coordinate collection activity with third-party lending partners.
• Establish and approve prepayment lines up to $500,000, and submit prepayment lines exceeding $500,000 to the Director of Credit for approval.
• Provide periodic updates on receivables quality 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 and reliable attendance.
• Carry out leadership responsibilities including interviewing, hiring, training, coaching, planning and assigning work, directing and appraising performance, rewarding and disciplining employees, and addressing complaints and resolving problems.

Benefits

• Health, dental, and vision insurance starting the same day employment begins.
• Up to $3,000 in Helena reward dollars for a Health Savings Account.
• 401(k) savings plan with a 100% company match up to 5% starting on the first day; the company match may increase up to 10% based on years of service and contribution amount.
• 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 at 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