Credit Manager

We’re looking for an experienced Credit Manager to lead credit and collections for our wholesale HVAC distribution business. This is a key leadership role working closely with Branch Managers, Sales, Customers, Accounting, and Executive Leadership to support sales growth while managing credit risk and protecting the company’s financial position.

• Evaluate HVAC contractors, dealers, and commercial customers to establish appropriate credit limits and terms.
• Monitor customer exposure, payment history, AR aging, and financial performance.
• Lead collection efforts on past-due and high-risk accounts while maintaining strong customer relationships.
• Partner with Sales and Branch Management to balance sales opportunities with responsible credit decisions.
• Manage credit insurance claims, collection agencies, legal collections, payment arrangements, and recovery efforts.
• Track DSO, cash flow, bad debt, credit exposure, and collection performance and report key trends to leadership.
• Oversee lien waivers and related documentation for construction and commercial accounts.
• Improve credit, collections, cash application, and customer onboarding processes.
• Lead and develop teams responsible for Credit & Collections, Cash Application, Banking Reconciliations, and Credit Card Processing.

• 5+ years of experience in credit, collections, accounts receivable, or financial management; distribution or wholesale experience preferred.
• Experience working with contractor, commercial, or trade customers is a plus.
• Strong financial analysis, negotiation, collections, and decision-making skills.
• Proven ability to lead and develop a team.
• Ability to work collaboratively with Sales and Operations while confidently managing financial risk.
• Bachelor’s degree in Finance, Accounting, Business, or related field preferred.

This role is about more than collecting past-due accounts. You’ll help support profitable sales, protect customer relationships, reduce risk, and improve cash flow across our HVAC distribution business.