Credit Manager

Credit Manager

Sioux Falls, South Dakota

Compensation Commensurate with Skills & Experience

J MAR’s client, a well-established wholesale distributor of HVAC components, is seeking a hands-on Credit Manager

to manage day-to-day credit, accounts receivable, and collections activities. This role is ideal for a credit professional ready to step into broader responsibility while being

.

The position focuses on owning credit processes rather than managing staff and offers meaningful exposure to decision-making, reporting, and cross-functional collaboration.

Key Responsibilities:

- Review and evaluate the creditworthiness of new and existing customers using financial analysis, credit reports, and trade references.

- Process and render timely credit approval decisions for customer credit applications in accordance with established credit policies.

- Manage customer credit limits, payment terms, and account conditions, escalating exceptions as needed.

- Own day-to-day collections activity, including proactive outreach to customers to resolve past-due balances and reduce aging receivables.

- Negotiate and administer payment arrangements for customers with outstanding balances, documenting all collection efforts and outcomes.

- Identify delinquent or high-risk accounts and coordinate escalation to external collection agencies or legal counsel, as appropriate.

- Reconcile customer payments to open invoices and investigate discrepancies, unapplied cash, or potential bad debt exposure.

- Maintain complete and accurate customer credit files, ensuring required documentation (credit applications, tax exemption certificates, trade references) is current and properly retained.

- Prepare monthly accounts receivable aging reports and participate in periodic reviews with accounting leadership to build analytical and reporting skills.

- Support the maintenance and ongoing improvement of credit and collections processes with guidance from senior leadership, balancing risk management with business growth objectives.

- Assist with internal and external audit requests by compiling supporting documentation and responding to inquiries.

- Participate in special projects and process improvement initiatives designed to support professional growth and expanded responsibility.

Qualifications:

- Bachelor’s degree in Finance, Accounting, or a related field preferred.

- 2–4 years of hands-on experience

in credit, accounts receivable, and/or commercial collections.

- Working knowledge of accounting principles related to accounts receivable, cash application, and bad debt reserves.

- Strong proficiency in Microsoft Excel and Microsoft Office; experience with ERP or credit management systems preferred.

- Ability to analyze customer financial information and make sound credit decisions within established guidelines.

- Comfortable communicating directly with customers regarding credit terms, payment expectations, and past-due balances.

- Strong organizational skills with attention to detail and the ability to manage multiple priorities.

- Clear written and verbal communication skills with the ability to explain credit decisions and collection matters professionally.

- Motivated, career-minded professional seeking

mentorship, training, and long-term growth

within a stable organization.

About J MAR:

Celebrating over 30 years of excellence in recruiting, J MAR & Associates is a trusted leader in talent acquisition. With a deep network and decades of insight, we specialize in connecting top professionals with outstanding opportunities. Learn more at jmarassociates.com/about.