Job Details

About the Role

Were looking for a detail-driven and proactive Credit Manager to join our accounting team and lead the credit function across customer onboarding, risk evaluation, promissory note management, and collections escalation. In this high-trust role, youll play a critical part in protecting our financial position while partnering with Sales, Accounts Receivable, Legal, and Finance to enable responsible growth.

This role is ideal for someone who thrives in a fast-paced, compliance-focused environment, brings strong credit acumen, and enjoys improving processes and building sustainable credit programs.

What You'll Do

LEAD CREDIT RISK OVERSIGHT

• Evaluate new and existing customers to determine appropriate credit limits and payment terms.
• Analyze financial statements, credit reports, and trade references to assess risk.
• Approve credit applications and ensure terms are documented and maintained by the policy.
• Partner with Sales to balance customer experience with prudent risk management.

DRIVE CUSTOMER ONBOARDING ACCURACY

• Own the credit-related portion of customer onboarding, including review of financial documentation.
• Ensure timely, accurate setup of new accounts in collaboration with AR and Sales.
• Confirm credit documentation complies with internal policy and external requirements.

MANAGE STRUCTURED CREDIT AGREEMENTS

• Draft and negotiate promissory notes and extended payment plans for approved customers.
• Coordinate with Legal and internal stakeholders to finalize agreements.
• Monitor agreement performance, escalate issues, and follow up on overdue obligations.

SUPPORT COLLECTIONS AND RISK MITIGATION

• Provide guidance on collections strategy for escalated or delinquent accounts.
• Partner with AR to resolve disputes and initiate legal action when appropriate.
• Monitor payment behavior trends and proactively identify emerging risks.

REPORTING & INSIGHT

• Prepare and maintain aging reports, credit exposure summaries, and bad debt forecasts.
• Provide credit risk insights to inform financial planning and business development strategies.
• Partner with Accounting to validate reserves for doubtful accounts.

PROCESS IMPROVEMENT & COMPLIANCE

• Identify and recommend opportunities to improve efficiency through automation and better tools.
• Ensure credit practices are compliant with applicable laws and audit standards.
• Partner cross-functionally to create scalable, sustainable processes.

What Success Looks Like

• Credit decisions are timely, well-documented, and aligned with company policy.
• Promissory notes and payment agreements are structured clearly and monitored proactively.
• Risk exposure is minimized through thoughtful credit terms and early intervention.
• Internal stakeholders see the credit process as a collaborative, solution-oriented function.
• Credit operations are efficient, auditable, and ready to scale with business growth.

What You'll Need to Succeed

• Bachelors degree in finance, accounting, or related fields.
• 7+ years in credit, collections, or financial risk roles.
• Strong understanding of credit reporting tools, financial analysis, and risk evaluation.
• Experience negotiating/managing promissory notes or structured payment plans.
• Excellent communication skills across technical and commercial teams.
• Proficiency with ERP systems and financial reporting tools (Excel, Power BI, Tableau, etc.).
• Industry experience in healthcare, pharmaceutical, or wholesale distribution preferred.
• NACM certification (CBA, CBF) is a plus.