Credit Manager

Daikin Division Williams Distributing Co. and Shoemaker Inc.

The Credit Manager leads and directs the credit department, establishing and enforcing policies and procedures designed to assess, monitor, and control credit risk across the organization. This role requires a sophisticated understanding of financial analysis, regulatory compliance, and risk mitigation strategies, particularly within the building products industry. The Credit Manager blends analytical rigor with interpersonal finesse and sound judgment, ensuring that credit decisions support both financial integrity and commercial growth.

May include:

• Analyze creditworthiness of customers using financial statements, payment history, industry benchmarks, and external credit data


• Develop and maintain scoring models to evaluate risk and set credit limits


• Minimize bad debt exposure and maximize recovery of outstanding receivables


• Secure lien rights and personal guarantees where appropriate


• Identify emerging risks and implement proactive mitigation strategies


• Manage legal and third-party collection relationships, including Notice of Furnishings filings


• Oversee credit application reviews for new and existing accounts


• Authorize credit limits, payment terms, and special arrangements


• Continuously update customer credit profiles based on financial health and payment behavior


• Lead, mentor, and develop a team of credit and collections professionals


• Foster a culture of accountability, professionalism, and continuous improvement


• Conduct performance evaluations and provide coaching and feedback


• Recruit and train staff to meet departmental goals


• Prepare monthly credit performance reports for executive leadership and Daikin Credit


• Monitor key metrics such as DSO, bad debt write-offs, recovery rates, and credit utilization


• Use data analytics to inform decisions and optimize processes


• Conduct monthly reviews with sales teams on aging receivables


• Ensure credit practices comply with relevant laws and regulations (e.g., fair lending, AML, consumer protection)


• Stay current with regulatory changes and adapt policies accordingly


• Liaise with legal and compliance teams on complex matters


• Collaborate with sales, finance, operations, and executive teams to align credit policy with business strategy


• Maintain relationships with credit bureaus and financial institutions


• Resolve client disputes involving credit decisions with professionalism and tact


• Align credit management practices with long-term business objectives


• Identify market trends and emerging technologies to enhance credit operations


• Lead special initiatives such as system upgrades or credit transformation projects

Knowledge and Skills

• Advanced proficiency in Excel, PowerPoint, and financial modeling tools


• Strong presentation and communication skills across all organizational levels


• Creative, solution-oriented approach to problem solving


• High attention to detail and organizational discipline


• Ability to enforce policies while maintaining collaborative relationships


• Familiarity with ERP systems such as SAP or Epicor P21

Experience

• Minimum of 7–10 years of progressive experience in credit management, financial analysis, or risk management


• Proven success managing complex credit portfolios and leading high-performing teams


• Experience in the building products industry or similar commercial sectors preferred

Education

• Associate or Bachelor’s degree in Accounting, Finance, or Business Administration preferred


• Master’s degree or professional certifications (CCE, CPA, CFA) strongly preferred


• Ongoing professional development in financial analysis, compliance, or risk management encouraged

People Management: YES

Physical Requirements/Work Environment

• Must be able to perform essential responsibilities with or without reasonable accommodation. This role may require occasional travel and extended hours during peak reporting periods.


• Position qualifies for the Business Phone Program, offering either a company-issued device or reimbursement for approved personal device usage.