Commercial Credit Manager-Applied Group

Salary Range: $65K - $110K

Candidates may be hired at any point within the posted salary range based on relevant experience, skills, education, and market considerations.

This role manages a high-volume commercial A/R portfolio for the Applied Group, partnering with technical sales and engineers to analyze credit risk, structure approvals, and prepare detailed files to speed Regional Credit Manager decisions. Serve as a strategic financial partner to internal teams and confidently interface with senior general contractors, developers, and owners of major mechanical firms driving timely credit reviews, minimizing (61+ day) aging through strong risk mitigation, and optimizing cash flow. ( Salary range 65k-80K)

• →Manage a commercial construction A/R portfolio, thoroughly reviewing credit worthiness of new projects for both current and new customers. The candidate will prepare detailed risk packages to forward for regional and corporate approval on high-dollar lines.
• →Partner proactively with the Applied Group of Engineers and Technical Account Managers to assess financial risk, project scale, and credit requirement.
• →Protect company security by executing and tracking statutory mechanics lien rights, public/private payment bond claims, and joint check agreements.
• →Drive daily credit and cash application workflows leveraging ERP and Collections Systems to maximize billing and collection efficiency.
• →Conduct professional, highly assertive financial outreach to C-suite and ownership teams at major contracting firms to settle past-due commercial balances.
• →Formulate and deliver data-driven credit risk summaries, cash forecasting, and aging report updates directly to the Regional Credit Manager.
• →Attend regional Dashboard and Sales meetings and as necessary client project site discussions to provide guidance on complex project financing and credit structures.
• →Maintain rigorous electronic credit files, financial statement reviews, and statutory notice logs in compliance with internal corporate procedures and external audits.

• Bachelor’s degree in Finance, Accounting, Economics, or Business Administration.
• 5–10 years of corporate credit management experience with preference for candidates from distribution-based, construction-based, mechanical contracting, or industrial manufacturing environments.

• Strong understanding of commercial construction law, AIA billings (G702/G703), retention rules, and conditional/unconditional lien waivers, including mechanics lien/bond timelines and statutory rights for the New York metro/Northeast region.
• Exceptional oral and written communication skills, with proven confidence leading high-stakes negotiations with corporate executives.
• Advanced ability to evaluate commercial corporate financial statements and credit bureau/credit analytics.
• Proven history partnering constructively with aggressive commercial sales teams to create secure deal structures that close while protecting company assets.

• Professional designations from the National Association of Credit Management (NACM).
• Notary Public certification.

• Strong understanding of commercial construction law, AIA billings (G702/G703), retention rules, and conditional/unconditional lien waivers, including mechanics lien/bond timelines and statutory rights for the New York metro/Northeast region.
• Exceptional oral and written communication skills, with proven confidence leading high-stakes negotiations with corporate executives.
• Advanced ability to evaluate commercial corporate financial statements and credit bureau/credit analytics.
• Proven history partnering constructively with aggressive commercial sales teams to create secure deal structures that close while protecting company assets.

Full-time and part-time positions are available. To explore this exciting opportunity and other career opportunities at Carrier Enterprise, visit our careers page at www.carrierenterprise.com/careers. Learn more about our company and team.  CE#123