Regional Credit Manager

Role Summary: Reporting to the Director of Credit Services, the Regional Credit Manager leads the company's credit functions for assigned business units, manages credit risk, supports profitable sales growth, and optimizes working capital. This role works cross-functionally to deliver consistent, efficient, and customer-oriented credit processes, enforcing strong governance and financial discipline. The Regional Credit Manager will lead a team of Credit Analysts and Credit Administrative Assistants. Exciting work you will do: The essential duties and responsibilities of the Regional Credit Manager will consist of, but are not limited to, the following: • As a leader, model the following behaviors with your team: • Provide leadership, direction, growth, and mentoring for a multi-state credit team • Adhere to our company values of Success Beyond the Sale, Partnership as a Promise, We Do What We Say, Legacy of Impact, and Purpose-Driven Progress • Invest in self-growth through participating in continuous improvement, learning, and development • Manage credit risk across the assigned regional customer portfolio, including evaluating creditworthiness, establishing appropriate credit limits, and monitoring credit exposure to mitigate financial risk • Manage regional collection activities in alignment with established strategy, including prioritizing delinquent accounts, directing customer outreach, and managing appropriate escalations • Apply working knowledge of lien statutes, bankruptcy requirements, and sales tax regulations in managing customer accounts, including overseeing the lien process and determining when appropriate action is required • Manage receivables performance for the assigned region, with a focus on improving days sales outstanding (DSO) and reducing aging balances • Balance credit risk with customer and business needs, exercising sound judgment to support strong customer relationships while protecting the company's financial interests • Prepare reports for management review • Collaborate with Sales to streamline customer onboarding and credit processes • Travel to regional locations to support sales alignment • Ensure adherence to established credit policies, internal controls, and documentation requirements across the assigned region • Other duties as assigned Competencies you possess: • Customer Focus • Results, Action Oriented • Accountability and responsibility • Teamwork and collaboration • Developing Talent • Managerial Courage • Building Team Morale • Awareness of the needs of others • Establishing Relationships • Delegating Responsibility • Planning and organizing • Priority Setting • Decision Quality What you'll need: • Work Experience: 5 years' experience in credit, AR or financial risk management; 2 years of leadership experience • Education: High school diploma or equivalent • Analytics/Computer Skills: Proficiency with Microsoft Office Suite; strong knowledge of credit policy, financial analysis, and receivables management; ability to balance risk with sales and customer needs; strong business judgment; ability to assess and implement technological tools to aid in collections and AR management; possess a general understanding of lien statuses, bankruptcy laws and state sales tax rules • Organization Skills: Highly organized detail-oriented; ability to work in fast-paced, continuously evolving, and at times ambiguous, environments • Cross-functional skills: Ability to work well cross-functionally, while driving teams to timely consensus provides excellent internal and external customer service; maintains a level of approachability to build relationships across teams; financial acumen, strong collaboration • Communication Skills: Strong verbal and written communication skills • Physical, Mental and Visual Skills: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disability to perform the essential functions. • Ability to see, talk and hear • Ability to sit for 8 hours a day • Physical Environment: Normal office environment • Travel: Travel as needed to engage with team and sales Skills we prefer but don't require: • Experience: 7 years' experience in credit, AR or financial risk management; 3+ years of leadership experience; experience with credit/AR systems and analytics tools; experience managing multi-location teams