Senior Credit Manager

Since 1953, Ferguson has been a source of quality supplies for a variety of industries. We build better infrastructure, homes, and businesses by making complex projects simple, successful, and sustainable. As a Fortune 500 company, Ferguson provides best-in-class products, service, and capabilities across Commercial/Mechanical, Facilities Supply, Fire and Fabrication, HVAC, Industrial, Residential Trade, Residential Building and Remodel, Waterworks, and Residential Digital Commerce. With approximately 36,000 associates across 1,700 locations, Ferguson is a community of proud professionals dedicated to meaningful work.

This position is based in Texas and supports a multi-state territory in the Mid-South U.S. Regular overnight travel within the territory is required, with all business travel expenses fully reimbursed.

About the role

This role is critical in protecting company assets while supporting sales growth and optimizing return on receivables. The Credit Manager oversees credit, collections, and accounts receivable operations, managing daily activities in alignment with company policy and assigned authority. The position balances risk management with customer support to drive profitable growth and minimize exposure, managing a portfolio of up to $400 million in accounts receivable.

Responsibilities

• Evaluate and approve credit applications, limits, and account changes based on risk analysis
• Monitor customer balances and aging; take action on delinquent accounts
• Develop and execute effective collection strategies
• Review and manage credit limits and lien rights to protect company interests
• Resolve disputes in partnership with sales and customers
• Manage bad debt exposure, including recovery efforts and legal escalation when necessary
• Ensure 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 visits
• Structure credit solutions (e.g., joint check agreements) for project-based accounts
• Handle complex, high-risk, or exception accounts beyond standard authority
• Lead, coach, and develop credit team members

Qualifications

• Bachelor’s degree in Finance or related field preferred
• Credit, Collections, or Accounts Receivable experience (construction industry preferred)
• Strong analytical and decision-making skills with sound business judgment
• Excellent communication and relationship-building abilities
• Ability to manage priorities and perform effectively in a fast-paced environment
• Leadership or team development experience preferred

Skills

• Sales process understanding
• Credit evaluation and portfolio management
• Financial Statement Analysis
• Collections strategy and execution
• Customer and branch relationship management
• Secondary security concepts
• Uniform Commercial Code (UCC) fundamentals
• Enterprise and vendor systems proficiency

Benefits

Ferguson offers a holistic benefits package supporting mental, physical, and financial well-being, including:

• Health, dental, and vision insurance
• Paid time off
• Life insurance
• 401(k) with company match
• Mental health coverage
• Gender-affirming and family-building benefits
• Paid parental leave
• Associate discounts
• Community involvement opportunities

Pay

Monthly pay range: $7,841.67 – $13,833.34. This role is bonus or incentive plan eligible. The starting wage may be higher in certain locations based on local or state wage requirements.