Credit Manager

S.P. Richards Company S.P. Richards is an Equal Opportunity Employer and fully subscribes to the principles of Equal Employment Opportunity. The company ensures that all applicants and employees are considered for hire, promotion and job status, without regard to race, color, religion, gender identity, sex, sexual orientation, national origin, age, veteran status, disability, or any other characteristic protected by law. Summary Directs and coordinates activities of workers engaged in conducting credit investigations and collecting delinquent accounts of customers by performing the following duties personally or through subordinate supervisors. Location Smyrna, GA (Near Battery Center) Work Hours 40 hr/week Essential Duties and Responsibilities Assesses creditworthiness of new and existing customers by analyzing financial statements, credit reports, and other relevant information to establish credit limits. Monitors customer accounts and communicates with customers to resolve payment issues and disputes, negotiate payment plans, and ensure payments are made on time and in accordance with the established terms. Collaborates with Sales and Finance teams to optimize credit processes and facilitate sales growth and cash flow. Proactively requests updated information and makes recommendations on potential credit risks. Arranges security instruments: Letters of Credit, Guarantees, and UCC filings. Implements appropriate steps to collect delinquent accounts, including holding of shipment, 3rd party collections, legal suit, etc. as required. Reviews doubtful accounts to determine collectability or need to be written off. Assists management in the formulation of credit policies. Identifies and champions business process improvement to support the credit function. Manages job performance, training, mentoring and coaching of one or more Credit Assistants and/or Senior Credit Assistants. Qualifications Strong knowledge of credit risk assessment and credit evaluation techniques. Strong understanding of financial statement and advanced liquidity analysis. Knowledge of relevant laws, regulations, and compliance. Professional verbal and written communication and interpersonal skills. Excellent analytical, problem-solving, and negotiation skills. Detail oriented with superior organizational and time management skills. A positive approach in working with customers, Sales, and other teams. Education Bachelor’s degree (B.S. or B.A.) from a four‑year college or university with courses in credit and collection principles, accounting, financial statement analysis, commercial law, microcomputers, marketing, management, psychology and economics. Experience 10 years or more in credit and collection work with exposure to multiple aspects of credit activities, including at least 5 years in a supervisory capacity in the same or similar industry. Sincere interest in credit work as a career. Fact finding, analysis and interpretation of the financial position of customers. Supervision of the extension of credit and collection of receivables. Familiarity with credit procedures and credit department administration. Training of credit personnel. Maintenance of satisfactory customer relations. Contact with financial institutions and sources of credit information. Participation in meetings of credit groups. Language Skills Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of the organization. Consideration and fairness in dealing with people. Emotional stability in handling unpleasant situations with tact and diplomacy. Mathematical Skills Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. Financial statement analysis is also required. Reasoning Ability Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to apply sound credit principles while recognizing the need for sales volume. Ability to deal with problems involving several concrete variables in standardized situations. Computer Skills To perform this job successfully, an individual should have knowledge of accounting software; Microsoft Excel and Word experience also required. Experience in client‑server based software, i.e. PeopleSoft or SAP, etc., and experience in running queries are also required. Physical Demands 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. While performing the duties of this job the employee is regularly required to sit; use hands and fingers to handle or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, depth perception and ability to adjust focus. Some travel by car and airplane may also be required. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Job ID PI284983618 #J-18808-Ljbffr