Sr Credit Manager (826)

At Trail Appliances, we believe great business is built on strong relationships. We're looking for a strategic, people-focused Senior Credit Manager to lead our credit and collections function, protect the financial health of our business, and support growth across our retail and builder divisions.

This is an opportunity to make a real impact by leading a high-performing team, driving continuous improvement, and partnering with leaders across the organization to balance smart risk management with exceptional customer experience.

• Lead, coach, and develop the Credit team, fostering a culture of accountability, collaboration, and customer service.
• Oversee customer credit evaluations, risk assessments, credit limits, and exposure management.
• Maintain and enhance credit policies, procedures, and controls that balance risk management with business growth.
• Drive collections performance by managing aging accounts, negotiating payment arrangements, and reducing bad debt exposure.
• Monitor customer payment trends and financial health to proactively identify and mitigate risk.
• Manage credit holds and order releases, making sound decisions that support both revenue and risk objectives.
• Partner with Sales, Operations, Customer Service, and Finance to resolve issues, improve collection outcomes, and strengthen customer relationships.
• Review and approve credit applications, limit increases, and policy exceptions within established authority levels.
• Track and improve key metrics, including DSO, collection effectiveness, bad debt expense, cash flow, and working capital performance.
• Prepare and present credit risk, collections, and receivables reporting to senior leadership.
• Champion process improvements, automation initiatives, and operational efficiencies that enhance team performance and scalability.
• Provide credit risk expertise and strategic insights that support key business decisions and long-term growth.