Credit manager

Job Posting: Since 1953, Ferguson has been a source of quality supplies for a variety of industries. Together We Build Better infrastructure, better homes and better businesses. We exist to make our customers’ complex projects simple, successful, and sustainable. We proactively solve problems, adapt and grow to continuously serve our customers, communities and each other. Ferguson, a Fortune 500 company, is proud to provide best-in-class products, service and capabilities across the following industries: Commercial/Mechanical, Facilities Supply, Fire and Fabrication, HVAC, Industrial, Residential Trade, Residential Building and Remodel, Waterworks and Residential Digital Commerce. Ferguson has approximately 36,000 associates across 1,700 locations. Ferguson is a community of proud associates who operate with the shared purpose of building something meaningful. You will build a career that you are proud of, at a company you can believe in. Ferguson is seeking a skilled Credit Manager to oversee credit, collections, and accounts receivable operations. This role is critical in protecting company assets while supporting sales growth and optimizing return on receivables. The Credit Manager manages daily credit and collection activities in alignment with company policy and assigned authority, balancing risk management with customer support to drive profitable growth and minimize exposure. This position is responsible for managing a portfolio of accounts receivable of up to $20,000,000, requiring strong financial judgment and business partnership. This position is based in San Antonio, Tx, supporting a multi-state territory that includes Texas and a few surrounding states. Regular overnight travel within the territory is required. Business travel expenses are fully reimbursed. Responsibilities Evaluate and approve credit applications, limits, and account changes based on risk analysisMonitor customer balances and aging; take action on delinquent accountsDevelop and execute effective collection strategiesReview and manage credit limits and lien rights to protect company interestsResolve disputes in partnership with sales and customersManage bad debt exposure, including recovery efforts and legal escalation when necessaryEnsure compliance with applicable laws and regulations (e.g., UCC, FDCPA, ECOA, liens, bonds, Sarbanes-Oxley)Partner with sales teams through regular branch interaction and customer visitsStructure credit solutions (e.g., joint check agreements) for project-based accountsHandle complex, high-risk, or exception accounts beyond standard authorityLead, coach, and develop credit team members Qualifications Bachelor’s degree in Finance or related field preferredCredit, Collections, or Accounts Receivable experience (construction industry preferred)Strong analytical and decision-making skills with sound business judgmentExcellent communication and relationship-building abilitiesAbility to manage priorities and perform effectively in a fast-paced environmentLeadership or team development experience preferredSales process understandingCredit evaluation and portfolio managementFinancial Statement AnalysisCollections strategy and executionCustomer and branch relationship managementSecondary security conceptsUniform Commercial Code (UCC) fundamentalsEnterprise and vendor systems proficiency At Ferguson, we care for each other. We value our well-being just as much as our hard work. We are committed to a holistic approach towards benefits plans and programs that support the mental, physical and financial well-being of our associates. Our competitive offering not only includes benefits like health, dental, vision, paid time off, life insurance Pay Range: $4,766.67 - $7,625.00 Estimated Ranges displayed are Monthly for Salaried roles OR Hourly for all other roles. This role is Bonus or Incentive Plan eligible. Ferguson complies with all wage regulations. The starting wage may be higher in certain locations based on local or state wage requirements. The Company is an equal opportunity employer as well as a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans and the requirements of 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability. Ferguson Enterprises, LLC. is an equal employment employer F/M/Disability/Vet/Sexual Orientation/Gender Identity. Equal Employment Opportunity and Reasonable Accommodation Information