Senior Credit Manager

Aston Carter•Baltimore, MD

2d•$90,000 - $110,000•Hybrid

About The Position

The Senior Credit Manager plays a key role within a large corporate finance organization, overseeing a defined portion of the customer credit portfolio across industrial, foodservice, specialty, export, and grocery channels. This role balances rigorous credit risk analysis with end-to-end order-to-cash oversight and extensive cross-functional collaboration with sales, customer service, supply chain, and corporate collections. Reporting directly to the Director of Finance, the Senior Credit Manager serves as a primary finance contact for customer-related transactions and presents credit recommendations to Senior finance leadership.

Requirements

Bachelor's degree in Accounting, Business Administration, or Finance.
Minimum of 3 years of experience in domestic corporate credit analysis.
Strong financial statement analysis skills, including the ability to interpret balance sheets, income statements, and cash flow statements.
Demonstrated expertise in credit risk assessment and recommending appropriate credit terms.
Experience managing customer credit portfolios, including setting and reviewing credit limits.
Working knowledge of order-to-cash processes, including invoicing, collections oversight, and accounts receivable management.
Proficiency in credit analysis and credit risk disciplines, including credit and collections activities.
Solid understanding of accounting and finance principles relevant to corporate credit management.
Excellent written and verbal communication skills, with the ability to present credit recommendations and analyses to executive leadership.
Proficiency with MS Office applications for analysis, reporting, and presentation purposes.
Ability to work cross-functionally with sales, customer service, supply chain, and corporate collections teams.

Nice To Haves

Experience in a manufacturing, food and beverage, or consumer packaged goods (CPG) credit environment.
International corporate credit analysis experience, including evaluating global customers and markets.
Hands-on experience with SAP or other large ERP systems for credit, billing, and accounts receivable processes.
Hands-on experience with dedicated credit risk systems and tools.
Familiarity with credit risk monitoring services such as D&B, S&P, Moody's, and Credit Risk Monitor.
Experience co-supervising, mentoring, or developing collection analysts.
Exposure to AI-driven process improvement tools within finance or credit functions.
Experience negotiating alternative credit security options such as guarantees, standby letters of credit (LCs), and UCC filings.
Background in financial analysis, financial audit, and accounts receivable management.
Interest in professional development, continuing education, and certifications in credit, finance, or related disciplines.

Responsibilities

Perform detailed credit and financial statement analysis on new and existing customers, including review and interpretation of balance sheets, income statements, and cash flow statements.
Utilize credit scoring tools in combination with internal profitability data to recommend optimal credit terms that balance risk and commercial opportunity.
Prepare scheduled credit line reviews and present well-supported recommendations, including written narratives, to executive-level stakeholders.
Serve as the primary finance oversight for customer-related transactions, including invoicing, payments, collections, deductions, and credit/debit memos.
Co-supervise one Collection Analyst and provide day-to-day support for collection activities within the assigned customer portfolio.
Manage blocked orders on a daily basis, evaluating risk and determining whether to release or hold orders to protect cash flow and minimize exposure.
Identify and drive process improvement opportunities across the order-to-cash cycle to increase efficiency and enhance cash flow performance.
Maintain accurate and up-to-date customer data within ERP systems, leveraging system functionality to support touchless transactional processing.
Actively investigate, evaluate, and adopt AI-driven process enhancements within the credit function to modernize workflows and decision-making.
Partner closely with customers, sales managers, and internal business partners in supply chain and customer service to resolve payment and transactional issues diplomatically and efficiently.
Collaborate with corporate collections and other finance team members to ensure consistent application of credit policies and risk management practices.
Contribute to continuous improvement initiatives within the broader finance team by sharing insights from credit analysis and portfolio performance.