Credit Manager Jobs

About The Position

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.