Credit Manager

Job Summary:

The Credit Manager role will be the primary architect of the credit infrastructure. This role is designed for a professional who thrives on building systems from the ground up, initially operating as a high-level solo contributor to design financial review workflows and manage end-to-end customer onboarding. The role is responsible for evaluating customer creditworthiness, establishing group-specific credit policies, and managing the portfolio's overall financial risk. As the program scales, the Manager will have to recruit and lead a support team to meet the department's growth.

Essential Duties and Responsibilities: 

• Architect and implement a comprehensive credit policy and financial review workflow tailored to the unique needs of the Facility Service Group.

• Establish and authorize credit limits based on financial health, payment history, and industry risk.

• Evaluate the creditworthiness of new customer applications by analyzing financial statements, credit reports, and trade references.

• Review "flagged" customers with Sales and Project Managers to find creative solutions that balance business growth with financial security.

• Collaborate with the Collections Manager to analyze and report on DSO trends and aging performance to management identifying root causes for payment delays and implementing corrective credit policies.

• Partner with Project Compliance and Dispatch teams to ensure accurate customer setup and documentation in JDE and IFS systems.

• Monitor portfolio risk trends and prepare detailed monthly reports for the Controller and Sales management.

• Define the future roadmap for the credit function, including the recruitment and training of additional staff as the program matures.

• Other duties as assigned.

Position Requirements (Work Experience, Skills, Licenses, etc.): 

• Advanced proficiency in analyzing financial statements and credit reporting to assess risk levels.

• Strong knowledge of Accounts Receivable (AR) processes and high-volume transaction environments.

• Proficiency with ERP systems (preferably JD Edwards) and Microsoft Excel for data analysis.

• Excellent written and verbal communication skills with a focus on building internal and external interpersonal connections.

• Ability to work independently, demonstrate proactivity, and solve complex problems with minimal supervision.

Education and Experience:

Required: 

• Bachelor’s degree in Finance, Accounting, or equivalent work-related experience.
• 5–7+ years of experience in commercial credit or risk management.
• Minimum 2+ years of leadership experience.

Desired: 

• Experience in Facility Services, Construction, or B2B Service sectors.

ACCO Competencies:

• Proactivity/Initiative: Recognizes what needs to be done and accomplishes it in a manner appropriate for one’s level/position and with minimal supervision.

• Perseverance: Shows wherewithal to fight for difficult goals despite challenges and to bounce back from adversity.

• Motivation/Dedication: Commits to excellence in pursuing unselfish goals. Initiates action with collective goals, takes responsibility, and shows personal humility.

• Technical Curiosity/Willingness to Learn: Interest in seeking out new experiences, knowledge, and candid feedback; demonstrating an openness to learning and change.

• Insight: The ability to gather and make sense of information that suggests new possibilities.

• Engagement: Shows a knack for using emotion and logic to communicate a persuasive vision and connect with people.

• People Skills: Is approachable and gains the mutual trust and respect of others. Understands people’s strengths & weaknesses and actively seeks to understand other perspectives.

• Communication: Fosters open, honest, candid and respectful communication. Effectively assesses, defines and communicates issues in a timely manner, both written and verbal.

• Teamwork: The ability to effectively work toward common goals with others by supporting, encouraging, and sharing information in an authentic and approachable manner.

• Big Picture: Understands and contributes to the organizations’ short- and long-term business strategy. On a personal level has independently developed a vision for short- and long-term career success.

• Problem-Solver: Ability to identify, analyze, and solve problems in support of personnel, group, department, or organizational objectives.

• Execution: Effectively takes a vision and translates into action by including the right people. Identify and remove barriers, when possible, to achieve results. Demonstrates appropriate compromise, effective time management, prioritization practices and holds team members (including themselves) accountable for their performance/conduct.

• Professionalism: Respectfully observes and challenges the status quo with intent for improvement. Can take direction, accept feedback, and take full responsibility for his/her actions. Lead by example through positive influence and ethical leadership with consideration of the entire organization.

Job Responsibility Level:

People manager with direct reports

Travel Requirements:

Travel required 10-20% of the time to other office locations.

Hours:

This is an exempt position. Workdays are scheduled from Monday through Friday. Typically, work hours begin and end between 7:00 am and 5:00 pm as scheduled with the position's supervisor. 

Physical Demands:

• Prolonged sitting.
• Frequently required to reach with hands and arms.
• Must occasionally lift and/or move up to 20 pounds.
• Specific vision abilities include close and distance vision.

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