Credit Manager

Carrier Enterprise (CE) is a subsidiary of the largest independent HVAC/R distribution company in the world, Watsco, Inc. At CE we proudly distribute industry-leading brands such as Carrier, Bryant, Payne, GREE, and other HVAC and Refrigeration equipment, as well as a full-line of aftermarket parts, supplies, and accessories. With approximately 200+ locations throughout 28 states, Puerto Rico, the Caribbean, Latin America, Mexico, and Canada, and over 2,000+ employees, our vast footprint, inventory, and e-Commerce platform allow us to provide best-in-class service to our customers.

About the role

Carrier Enterprise is seeking an experienced Credit Manager to oversee a $5M+ commercial accounts receivable portfolio, drive collection efforts, evaluate customer credit risk, and support profitable sales growth while minimizing bad debt exposure. This role partners closely with sales, branch leadership, and customers in a B2B environment to manage credit decisions, collections, bonds and liens, account aging, and overall credit and collections performance.

This is an individual contributor role with no direct reports, managing an A/R portfolio of $5+ million and reporting to the Regional Credit Manager. The Credit Manager will be responsible for credit extension and collection of A/R for an assigned area in accordance with company policy and applicable law, working closely with Sales Center Managers, the Sales Team, and customers to resolve credit and collection issues.

Responsibilities

• Responsible for credit extension and collection of A/R for assigned area in accordance with Company policy and applicable law.
• Work closely with branch managers, sales team, customers (internal and external) to resolve credit and collection issues, including outbound collections calls.
• Balance cultivating strong relationships with customers while aggressively working to keep 90+ day past due accounts, aging, and write-offs to a minimum.
• Handle and store credit files and accounts receivable records within assigned area.
• Manage bonds and liens for assigned area.
• Provide ad-hoc and regular reports to management regarding the status of accounts.
• Attend sales and customer meetings pertaining to credit matters.
• Support full compliance with all company credit policies and procedures, working with regional credit staff as well as internal and external auditors.
• Demonstrate commitment to process excellence and a willingness to challenge existing processes.
• Analyze collection processes and establish best practices.
• Take initiative to identify areas of opportunity and innovative ways of doing business.
• Perform additional special projects as assigned.

Requirements

• Exceptional customer service skills.
• Understanding of Order Management & AR systems.
• Proficiency in financial analysis, including interpretation of financial statements, credit reports, and industry data.
• In-depth knowledge of credit risk assessment techniques, credit policies, and legal regulations.
• Strong analytical and problem-solving skills.
• Excellent written and oral communication skills; ability to maintain a professional and pleasant demeanor.
• Experience with bonds and liens.
• Ability to analyze complex data and reports and manage multiple priorities.
• Ability to work independently and collaboratively in a team environment.
• Strong relationship-building skills with internal and external stakeholders.
• Solid organizational skills and the ability to effectively communicate with all levels of the organization.
• Excellent decision-making skills with the ability to balance risk and business objectives.
• Above-average PC skills and proficiency in Microsoft Office (Word, Excel, PowerPoint, Outlook, Access) and other web-based applications.

Qualifications

• Minimum Education Level: 4-Year/Bachelor’s Degree.
• 5+ years of Credit and Accounts Receivable experience preferred.

Physical Requirements

• Prolonged periods of sitting or standing at a desk and working on a computer.
• Frequent repetitive motion using hands and fingers to type and navigate software systems.
• Must be able to communicate clearly and professionally, both verbally and in writing.
• Occasionally required to stand, walk, bend, or reach.
• May be required to lift or move office products and supplies up to 15 pounds.