The Credit Manager plays a critical role in safeguarding the Company's financial health by maximizing credit quality while minimizing risks and losses through proper management of credit and collections. This role will coordinate with the VP of Corporate Credit to maintain and execute the credit policy and is responsible for assessing the creditworthiness of new and existing customers, managing collection processes, and maintaining strong internal and external relationships, all within a sales-driven environment. (This is meant to be a guide. Duties may vary dependent upon management.)

Essential Position Functions:

Credit and Risk Management

• Establish and execute appropriate credit policies that are efficient and effective. Ensure the credit policy is consistently applied during the credit granting processes.
• Assist in new customer onboarding. Conduct credit assessments and recommend appropriate credit limits for prospective customers. Gather and verify credit documentation, including applications, trade references, tax certificates, and personal or corporate guarantees.
• Conduct frequent reviews of existing customers' credit worthiness and recommend periodic credit adjustments based on account performance.
• Liaise with credit bureaus and industry contacts to exchange information concerning customer credit worthiness.

Stakeholder Communication

• Collaborate with the sales team and customers to communicate credit decisions and resolve issues.
• Address issues that arise during the credit review process, such as Secretary of State or tax authority alerts, outstanding judgments, or liens.
• Explain credit terms and provisions to internal and external stakeholders.
• Coordinate with Accounting and Billing and Cash Applications teams to ensure efficient sharing of information and timely resolution of issues.

Accounts Receivable Oversight

• Monitor receivables to identify risk trends and warning signs for potential delinquencies.
• Initiate credit holds where necessary to mitigate exposure.
• Manage customer deductions and disputes in coordination with the VP of Corporate Credit.

Collections and Account Resolution

• Identify past due accounts and, in coordination with the VP of Corporate Credit, determine the appropriate collection effort. Proactively manage past-due accounts through direct outreach (phone, email, letters).
• Negotiate and monitor extended payment plans in coordination with the VP of Corporate Credit.
• Escalate unresolved accounts involving business closure, change of ownership, bankruptcy notifications, or similar.

Account Reconciliation & Transactions

• Exemplify exceptional customer service through clear and concise communications with the sales teams and customers to investigate complaints, correct errors on account, resolve short payments or disputed charges.
• Coordinate with the Accounting and Billing and Cash Applications teams to investigate and resolve payment discrepancies or customer billing concerns in a timely manner.
• Support the Accounting and Billing and Cash Applications teams in cash application and rebill processes.

This job description is intended to describe the general nature, complexity, and level of work to be performed by employees assigned to this position and is not to be construed as an exhaustive list of responsibilities, duties and/or skills required. It does not prescribe or restrict the work that may be assigned. Furthermore, this does not establish a contract for employment and is subject to change at the discretion of the company.

Education and Experience:

• Bachelor's degree is required, preferably in Finance, Accounting, Business, or related field.
• 3-5 years of commercial credit, underwriting or lending experience.
• Prior experience in accounts receivable management, ideally within a distribution environment.
• Familiarity with legal and financial documentation (UCC filings, deeds, bankruptcy filings, etc.).
• Knowledge of state sales tax compliance is a plus; an accounting and audit background is preferred.
• Advanced proficiency in Microsoft Excel, including pivot tables, VLOOKUPs, and data analysis, and generalized proficiency in other Microsoft Office (Word, Outlook) skills.
• Strong leadership, problem solving and customer service skills with ability to manage relationships both internally and externally.
• Excellent negotiation skills, written and verbal communication skills.
• Ability to manage multiple priorities with attention to detail in a fast-paced environment.
• Must be able to read and communicate in English, for safe and effective performance of the job and business operations.
• Must be able to pass a drug screen and criminal background check.

Work Environment:

The physical and mental demands described here are representative of those that must be met by employees to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Physical Demands

• Regularly required to walk and stand continuously for long periods of time.
• Talk or hear, both in person and by telephone.
• Reach with hands and arms.
• Specific vision requirements include close vision, distance vision and the ability to adjust focus.
• Lift up to 25 lbs.

Mental Demands

• Regularly required to use written and oral communication skills.
• Will interact regularly with managers and staff regarding building issues.
• Must be able to work independently with little supervision.

Work Environment

• Employee works primarily in an office environment, and the noise level is usually quiet.

Mac Papers + Packaging is an equal opportunity employer and makes employment decisions without regard to age, race, color, religion, sex, gender identity, sexual orientation, national origin, disability, protected veteran status or any other protected category.