Senior Credit Manager
Job Description:
The Senior Credit Manager plays a key role within a large corporate finance organization, overseeing a defined portion of the customer credit portfolio across industrial, foodservice, specialty, export, and grocery channels. This role balances rigorous credit risk analysis with end-to-end order-to-cash oversight and extensive cross-functional collaboration with sales, customer service, supply chain, and corporate collections. Reporting directly to the Director of Finance, the Senior Credit Manager serves as a primary finance contact for customer-related transactions and presents credit recommendations to Senior finance leadership.
Responsibilities:

• Perform detailed credit and financial statement analysis on new and existing customers, including review and interpretation of balance sheets, income statements, and cash flow statements.
• Utilize credit scoring tools in combination with internal profitability data to recommend optimal credit terms that balance risk and commercial opportunity.
• Prepare scheduled credit line reviews and present well-supported recommendations, including written narratives, to executive-level stakeholders.
• Serve as the primary finance oversight for customer-related transactions, including invoicing, payments, collections, deductions, and credit/debit memos.
• Co-supervise one Collection Analyst and provide day-to-day support for collection activities within the assigned customer portfolio.
• Manage blocked orders on a daily basis, evaluating risk and determining whether to release or hold orders to protect cash flow and minimize exposure.
• Identify and drive process improvement opportunities across the order-to-cash cycle to increase efficiency and enhance cash flow performance.
• Maintain accurate and up-to-date customer data within ERP systems, leveraging system functionality to support touchless transactional processing.
• Actively investigate, evaluate, and adopt AI-driven process enhancements within the credit function to modernize workflows and decision-making.
• Partner closely with customers, sales managers, and internal business partners in supply chain and customer service to resolve payment and transactional issues diplomatically and efficiently.
• Collaborate with corporate collections and other finance team members to ensure consistent application of credit policies and risk management practices.
• Contribute to continuous improvement initiatives within the broader finance team by sharing insights from credit analysis and portfolio performance.

Essential Skills:

• Bachelor's degree in Accounting, Business Administration, or Finance.
• Minimum of 3 years of experience in domestic corporate credit analysis.
• Strong financial statement analysis skills, including the ability to interpret balance sheets, income statements, and cash flow statements.
• Demonstrated expertise in credit risk assessment and recommending appropriate credit terms.
• Experience managing customer credit portfolios, including setting and reviewing credit limits.
• Working knowledge of order-to-cash processes, including invoicing, collections oversight, and accounts receivable management.
• Proficiency in credit analysis and credit risk disciplines, including credit and collections activities.
• Solid understanding of accounting and finance principles relevant to corporate credit management.
• Excellent written and verbal communication skills, with the ability to present credit recommendations and analyses to executive leadership.
• Proficiency with MS Office applications for analysis, reporting, and presentation purposes.
• Ability to work cross-functionally with sales, customer service, supply chain, and corporate collections teams.

Additional Skills & Qualifications:

• Experience in a manufacturing, food and beverage, or consumer packaged goods (CPG) credit environment.
• International corporate credit analysis experience, including evaluating global customers and markets.
• Hands-on experience with SAP or other large ERP systems for credit, billing, and accounts receivable processes.
• Hands-on experience with dedicated credit risk systems and tools.
• Familiarity with credit risk monitoring services such as D&B, S&P, Moody's, and Credit Risk Monitor.
• Experience co-supervising, mentoring, or developing collection analysts.
• Exposure to AI-driven process improvement tools within finance or credit functions.
• Experience negotiating alternative credit security options such as guarantees, standby letters of credit (LCs), and UCC filings.
• Background in financial analysis, financial audit, and accounts receivable management.
• Interest in professional development, continuing education, and certifications in credit, finance, or related disciplines.

Work Environment:
The role is based in a modern shared services campus in Baltimore, within a cubicle office setting alongside Finance, Supply Chain, and Customer Service teams, fostering daily cross-functional interaction and collaboration. The position offers a hybrid work arrangement with three days onsite and two days remote each week, providing flexibility while maintaining strong team engagement.
Job Type & Location
This is a Permanent position based out of Baltimore, MD.
Pay and Benefits
The pay range for this position is $90000.00 - $110000.00/yr.
Core offerings include comprehensive medical, dental, and vision insurance, a 401(k) retirement plan with employer matching, paid time off (PTO), and disability protection
Workplace Type
This is a hybrid position in Baltimore,MD.
Application Deadline
This position is anticipated to close on Jul 21, 2026.