Credit & Collections Manager

We are looking for an experienced Credit & Collections Manager to oversee credit strategy and receivables performance for a construction-focused business in Monterey, California. In this leadership role, you will help protect company assets by guiding credit decisions, strengthening collection efforts, and ensuring lien-related compliance on project accounts. The position works closely with Sales, Operations, and Finance to support revenue growth while maintaining disciplined risk management.

Responsibilities

• Direct the company’s commercial credit program by reviewing customer profiles, assessing risk exposure, and establishing appropriate credit terms and limits.
• Manage day-to-day collections activity, ensuring past-due accounts receive timely follow-up and that recovery plans are executed effectively.
• Oversee California preliminary notice and mechanics’ lien processes, including filing, release coordination, and communication with legal partners when required.
• Resolve high-level account issues by negotiating payment arrangements, addressing disputes, and advancing complex collection matters to conclusion.
• Track accounts receivable results, identify delinquency trends, and introduce practical measures to reduce aging balances and credit losses.
• Lead, mentor, and evaluate the collections team, promoting consistent performance, accountability, and focused development.
• Partner with Sales, Branch Operations, and Finance to support customer relationships while applying sound credit controls and risk-based decision-making.
• Review financial statements, payment behavior, and account activity to produce informed recommendations and meaningful reporting.
• Strengthen departmental procedures, internal controls, and performance standards to improve efficiency and safeguard the organization’s financial interests.

Requirements

• Bachelor’s degree in Accounting, Finance, Business Administration, or a related discipline; comparable relevant experience may be considered.
• At least 5 years of experience in commercial credit and collections within a business-to-business environment.
• Minimum of 5 years of practical experience handling California preliminary notices and mechanics’ lien administration.
• At least 2 years of leadership experience managing or supervising a credit or collections team.
• Working knowledge of industries such as construction, construction lending, building materials distribution, or similar environments.
• Strong ability to interpret financial data, evaluate creditworthiness, and make well-reasoned credit decisions.
• Excellent communication, negotiation, and conflict management skills, with the ability to work across multiple departments.
• Proficiency in Microsoft Office applications, particularly Excel, and comfort working with enterprise business systems.

Benefits

• Medical, vision, dental, and life and disability insurance.
• Eligibility to enroll in our company 401(k) plan for hired contract/temporary professionals.