Credit Manager

Overview Toshiba Global Commerce Solutions is seeking a Credit Manager that will oversee the credit granting process for Toshiba Global Commerce Solutions in the Americas region, with additional support responsibilities for Asia Pacific and Europe. This role ensures consistent application of credit policies, including periodic reviews of existing customers, assessment of new customer creditworthiness, credit approvals for service and maintenance, order release management, and customer payment term approvals. The position requires strong leadership, financial analysis expertise, and the ability to build effective cross-functional and external relationships. The Credit Manager also maintains relationships with credit reporting agencies such as Dun & Bradstreet and Credit Risk Monitor and must be able to communicate clearly with diverse audiences. Responsibilities Leadership & Team Management Provide leadership to Credit Analysts, ensuring consistent application of credit policy. Submit highrisk or highvalue credit requests to senior management. Deliver coaching, feedback, training, and backup support on credit processes. Prepare monthly customer and credit risk analysis reports. Portfolio Credit Risk Management Manage credit risk for a customer portfolio, including large and strategic accounts. Order Release & Contract Approvals Approve all maintenance and professional service contracts per assigned credit authority. Collaborate with Sales, Operations, and Collections to manage order risk and control credit exposure. Approve and oversee all customer credit holds. Sales & Contract Support Partner with Sales and Sales Operations to obtain credit information and support credit decisions. Review and negotiate credit language in new contracts. Maintain proactive communication with Sales and customers. Work with Legal on all bankruptcy-related accounts. External Relationship Management Maintain relationships with financial institutions, collection agencies, and credit reporting agencies such as Dun & Bradstreet and Credit Risk Monitor. Participate in process improvement initiatives and carry out management-directed tasks. Required Qualifications Bachelor's degree in Business Administration, Finance, or Accounting. 10+ years of experience as a Credit Analyst. 4+ years of people management experience. Knowledge and experience with collections processes, practices, and collaboration. Superior financial statement analysis skills, including understanding of key financial ratios. Strong knowledge of credit risk rating methodologies. Knowledge of local and international credit practices, including security instruments (letters of credit, collateral, corporate guarantees). Ability to collaborate with Sales to establish appropriate credit lines balancing revenue growth and risk. Experience executing credit strategies and understanding bankruptcy laws. Strong leadership, organizational, and problem-solving skills. Excellent verbal and written communication skills in English. Proficiency with Excel and Word; ability to learn new systems quickly. Ability to work in a fast-paced environment with strict deadlines. Experience using Oracle or a similar ERP system. Experience leading teams and driving process improvements. Benefits Group health coverage (medical, dental, & vision) Employee Assistance Programs Pre-tax spending accounts 401(k) plan (with company match) Company provided life insurance Pet Insurance Employee discounts Generous paid holiday schedule, paid vacation & sick/personal days EEO Toshiba Global Commerce Solutions is an equal opportunity/affirmative action employer that evaluates qualified applicants without regard to age, ancestry, color, religious creed, disability, marital status, medical condition, genetic information, military or veteran status, national origin, race, sex, gender, gender identity, gender expression and sexual orientation or any other protected factor. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. Individuals who need a reasonable accommodation because of a disability for any part of the employment process should email View email address on click.appcast.io to request an accommodation. Diversity, Equity & Inclusion We at Toshiba Global Commerce Solutions firmly believe that our people are an integral part to the success of our customers. Furthermore, we are committed to Diversity, Equity, and Inclusion for all our people as highlighted by our 5 Core Principles (Create Outreach, Foster Belonging, Unleash Opportunity, Diverse Cultural Engagement and Culture of Transparency). We are passionate about our customers, the retail industry, and becoming a more responsible company as we help create a brighter future. #J-18808-Ljbffr Toshiba Global Commerce Solutions