Credit Manager

WHY MILLCRAFTAt Millcraft, we're more than a business, we're a family. For over 100 years, we've been proud to serve the paper, packaging, and graphic arts industries, guided by our values of Family, Passion, Aspire, Responsible, and Deliver. We care deeply about our people, our customers, and our communities, and we believe in creating a place where you can grow, belong, and make a real difference. Come join us and be part of something truly special.THE DIFFERENCE YOU WILL MAKEWe are looking for an experienced Credit Manager to lead our credit and accounts receivable functions. This position is responsible for managing customer credit risk, overseeing collections and accounts receivable activities, and providing leadership to the credit team. The Credit Manager works closely with Sales, Customer Experience, Operations, and Finance to support business growth while protecting the Company's assets.CORE FUNCTIONS OF THIS ROLECredit AdministrationReview and approve new customer accounts and credit limit requests.Evaluate customer financial statements, credit reports, trade references, and payment history.Monitor customer exposure and identify potential credit risks.Establish and maintain credit policies, procedures, and internal controls.Make recommendations regarding credit holds, credit limit increases, and other risk-mitigation actions.Accounts Receivable & CollectionsSupervise collection activities and monitor aging performance.Assist with escalated collection matters and customer payment issues.Work with customers and internal departments to resolve disputes, deductions, and billing concerns.Ensure accounts receivable balances are collected in a timely manner.Team LeadershipManage and develop the Credit Analyst and Credit & AR Specialist positions.Provide coaching, training, and performance feedback.Establish priorities, delegate responsibilities, and ensure workload is properly managed.Promote a culture of accountability, responsiveness, and customer service.Process Improvement & AutomationIdentify opportunities to improve efficiency and reduce manual processes.Lead automation and workflow improvement initiatives within the credit department.Develop and maintain reporting that supports informed business decisions.Partner with Finance and IT on system enhancements and process improvements.Cross-Functional SupportWork closely with Sales leadership to balance customer needs with appropriate credit controls.Support month-end and year-end activities related to accounts receivable.Prepare and present credit-related metrics to management.Participate in special projects and strategic initiatives as needed.WHAT YOU'LL NEED TO SUCCEEDRequired7+ years of commercial credit, collections, accounts receivable, or related credit management experience.3+ years of management or supervisory experience.Strong understanding of commercial credit analysis and risk assessment.Experience reviewing financial statements and credit reports.Excellent communication and relationship management skills.Strong organizational and prioritization skills.Demonstrated ability to manage multiple tasks and deadlines simultaneously.Advanced Microsoft Excel skills.PreferredBachelor's degree in Finance, Accounting, Business Administration, or a related field.Experience with Microsoft Dynamics 365 or another ERP platform.Experience with Power BI or other reporting tools.Experience leading process improvement and automation initiatives.NACM certifications (CBA, CBF, or CCE).DUTIES AND RESPONSIBILITIESFollow all Millcraft policies, procedures, and guidelines as outlined in the employee handbook and departmental SOPsEnsure a safe working environment by strictly following all safety protocols and standards including reporting unsafe conditions, near-misses and incidents immediately to your managerDemonstrate the Millcraft Core Values (Family, Responsible, Passion, Deliver, Aspire and FUN) in day-to-day work and interactionsAll other duties, per the needs of the businessWHAT WINNING LOOKS LIKEThe successful candidate will be a hands-on leader who can balance risk management with customer service. They will be comfortable making credit decisions, managing competing priorities, leading a team, and driving continuous improvement within the department.WORK ENVIRONMENT:At the corporate level, the work environment characteristics described herein are generally representative of those an employee encounters while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The work environment is moderately quiet to moderately noisy. Temperature is moderated by heat in the winter and air conditioning or air circulation methods in the summer.HOW WE WILL TAKE CARE OF YOU Medical, Dental, & VisionProfit-SharingGenerous Time Off PoliciesTuition Reimbursement ProgramMilitary Leave PayVoluntary Dependent Life InsuranceAccident and Critical IllnessCompany Paid Life InsuranceWellness ProgramCompany Paid Holidays401k Retirement Savings PlanEmployee Assistance ProgramVeteran's Day PayLimited Purpose F.S.A and Dependent Care F.S.ACompany paid Short Term Disability, and Long-Term DisabilityDon't meet every single requirement? That's okay. At Millcraft, we believe great people come with many different experiences, and if our core values—Family, Passion, Aspire, Responsible, Deliver and FUN—resonate with you, we encourage you to apply. We're always looking for people who think differently, bring new perspectives, and want to grow with us.Your passion, our purpose—let's make a difference together.Millcraft Paper Company is an EEO employer. We are committed to equal opportunity in the terms and conditions of employment for all employees and job applicants without regard to race, color, religion, sex, sexual orientation, age, gender identity or gender expression, national origin, disability, or veteran status. Millcraft Paper Company complies with all applicable national, state and local laws governing nondiscrimination in employment as well as employment eligibility verification requirements of the Immigration and Nationality Act. All applicants must have authorization to work for Millcraft Paper Company.