Regional Credit Manager

Regional Credit Manager

The primary objective of the Regional Credit Manager (RCM) is to assist in maximizing customer sales and profitability while minimizing the risk of A/R losses due to bad debt. To accomplish this, the RCM will provide corporate credit risk analysis for a geographical portion of the Company's total Customer Credit Portfolio. Responsibilities include identifying, gathering, analyzing and interpreting any and all types of relevant credit and financial information on existing and prospective industrial, food service, specialty, export and grocery customers within the assigned Portfolio. This analysis and interpretation will include detailed reviews of customer financial statements including balance sheets, income statements and statement of cashflows, notes to financial statements, along with effective utilization of traditional credit scoring tools such as Dunn & Bradstreet, F&D, S&P, Moody's and Credit Risk Monitor reporting services. The RCM will synthesize such external data with internal profit profile data to determine and recommend optimal credit terms and then convey those recommendations with supporting theses through written narratives and presentations to executive level management. Once established, the RCM will ensure that customers operate within their credit terms and proactively monitor and evaluate the portfolio for necessary changes outside of regularly scheduled review dates. In addition, the RCM, with the assistance of a Collection Analyst, will ensure the portfolio continually meets corporate A/R goals for maximizing the speed and ease of cash collections and minimizing delinquencies, DSO, bad debt losses and costs of collection. The RCM will maintain a detailed knowledge of all customer account activity from order through cash collection and deduction management and will identify process issues leading to repeated payment delays or deductions and recommend and implement "order to cash" process improvements that will result in greater customer satisfaction and improved payment and profit performance.

The RCM's key areas of responsibilities include Risk Analysis, Order to Cash Process Oversight, Customer Relationships, Reporting, System Maintenance and Enhancement and Process Development. Duties within these areas of responsibility will include, but are not limited to, the following:

• Risk Analysis
• Order-to-Cash Process Oversight
• Customer Relationships
• Reporting
• System Maintenance and Enhancements
• Process Development

A minimum of three years of experience working in domestic corporate credit analysis required. International corporate credit analysis experience preferred. Specific Financial Statement Analysis and Credit Risk Assessment skills required. Bachelor's degree in accounting, business administration or finance.

Core Competencies: Analytical Thinking & Decision Making Identifies and understands trends and/or issues; connects data points through analysis to arrive at a logical conclusion. Business & Financial Acumen Demonstrates knowledge and understanding of the financial, accounting, marketing and operational functions of our organization; interpreting and applying understanding of key financial indicators to make better corporate decisions. Effective Communication Expresses ideas and information in a clear and concise manner by tailoring one's message to fit the interests and needs of the audience. Customer Orientation Keeps internal and/or external customer(s) in mind at all times. Strives to proactively address customer concerns and needs. Assists business partners and customers to achieve their work goals via application of their own skills and knowledge; strives to provide consistent customer satisfaction. Establishes Trust Gaining the confidence and faith of others by actions and words that promote being honest, forthcoming, integrious and vulnerable. Problem-Solving Anticipates, evaluates, diagnoses, and resolves problems in a systematic and fact-based manner. Results Orientation & Accountability Takes accountability, identifies, executes and drives actions to consistently achieve desired results. Teamwork & Collaboration Creates a climate that fosters commitment to a common vision and shared values that promote cooperation and working together through trust and support of others. Individual Contributor: Adaptability/Flexibility Maintaining effectiveness in varying environments and with different tasks, responsibilities and people. Continuous Improvement Establishes methods and utilizes specialized techniques to monitor and improve performance of systems and processes. Self-Development Seeks feedback on one's strengths and weaknesses and initiates activities to increase or enhance their knowledge, skills, and proficiency in order to perform more effectively or enhance their career. Manager (of people and/or function): Change Management Achieves success through change: identifies opportunities for improvement and innovation, removes barriers and resistance, and enables behaviors that support desired outcomes. Develops Others Plans for the growth of others, diligently addressing performance issues and conflicts, both at the individual and organizational level with the purpose of achieving results through the activities of other people. Strategic Mindset Understands company's short and long-term priorities and aligns department priorities and behavior around achievement of those objectives.

Location of Role: Baltimore, Maryland

Salary Pay Range: $62,500 - $115,500 plus bonus