Credit Manager

A. Duda & Sons, Inc. has an opening for a salaried paid Credit Manager at the corporate office in Oviedo, FL. In this role, you will be responsible for evaluating customer creditworthiness, managing credit limits, and leading collection efforts to optimize DSO and minimize bad debt. The Credit Manager serves as a key business partner across Sales, Accounts Receivable, and Finance; ensures regulatory compliance with PACA (Perishable Agricultural Commodities Act), FDACS (Florida Department of Agriculture and Consumer Services), and related agricultural credit regulations; and produces annual credit risk reporting. Primary Responsibilities and Duties Review and process customer credit applications, credit limit increase requests, and credit hold override requests using Blue Book Produce Reporter, Dun & Bradstreet, FDACS, Moody's, Sunbiz, and trade references; obtain required internal approvals. Maintain credit limits and monitor portfolio risk exposure based on credit bureau data, financial reports, and payment history. Prepare and monitor monthly AR reports including aging summaries and DSO (Days Sales Outstanding) metrics. Coordinate collection efforts and dispute resolution with Sales personnel and customers. Pursue PACA, FDACS (agricultural bond claims), DRC (Dispute Resolution Corporation), bankruptcy court and other legal action on delinquent, doubtful and bankrupt accounts. Maintain subscriptions and company profiles with each of the agencies to ensure service continuation. Establish and maintain credit with vendors across business units. Administer and maintain credit cards with certain vendor retailers and wholesalers. Analyze existing and potential commercial property credits as requested by the Asset Management Team. Publish annual Credit and Collection Management Report covering receivable agings, carrying costs, bad debt, and deductions/allowances by business unit, along with a risk assessment of all customers, vendors, banks, insurers, and commercial property tenants. Reconcile all AR-related GL accounts including sales manager allowances, bad debt, and clearing accounts. Develop and maintain credit policies and procedures to manage risk, improve collection efficiency, and align with the company's financial goals and risk tolerance. Prepare and/or review monthly AR agings submissions to Blue Book Produce Reporter and Moody's. Maintain credit agency subscriptions and Duda company profiles for Blue Book, Moody's, D&B, and DRC. Submit annual financial statements as requested. Prepare all interim and year-end audit documentation requests on credit and receivables including agings, delinquent account statuses, un-invoiced order reports, order holds, bad debt write-offs, and commercial property credit analyses. Qualifications Bachelor's degree in Business, Finance, Economics or related field is required 5+ years of experience in credit management or a related financial role Agricultural or food industry experience strongly preferred NACM Advanced Credit Designation preferred Experience with credit analysis tools (Blue Book Produce Reporter, D&B, Moody's, Sunbiz, and FDACS databases) Proficiency in ERP/Accounting systems, AR subledger management, and advanced Microsoft Excel skills required DRC (Dispute Resolution Corporation) processes for cross-border dispute resolution preferred About Us A. Duda & Sons, Inc. is a privately owned company, ranked #4 on Orlando Business Journal's Top 100 Privately Held Companies list in Central Florida. Starting out as a humble celery farm in 1926, Duda's business operations today include Duda Farm Fresh Foods, one of the world's leading producers and suppliers of celery and other quality fresh and fresh-cut vegetables and citrus; The Viera Company, a highly regarded community developer with fully-integrated real estate operations including Viera Builders, a residential home builder; as well as Duda Ranches, manager of Duda's agricultural operations including sod, sugarcane, citrus and cattle. Benefits We offer a comprehensive benefits package including medical, dental, and vision insurance, 401K, flexible spending accounts, tuition reimbursement, paid time off, and more. Visit our website at for more information. Application Details No relocation assistance is available. Duda is an equal opportunity employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability, or protected veteran status. #J-18808-Ljbffr