Credit Manager

Job Overview

Ferguson is seeking a skilled Credit Manager to oversee credit, collections, and accounts receivable operations. This role is critical in protecting company assets while supporting sales growth and optimizing return on receivables.

• Evaluate and approve credit applications, limits, and account changes based on risk analysis
• Monitor customer balances and aging; take action on delinquent accounts
• Develop and execute effective collection strategies
• Review and manage credit limits and lien rights to protect company interests
• Resolve disputes in partnership with sales and customers
• Manage bad debt exposure, including recovery efforts and legal escalation when necessary
• Ensure compliance with applicable laws and regulations (UCC, FDCPA, ECOA, liens, bonds, Sarbanes-Oxley)
• Partner with sales teams through regular branch interaction and customer visits
• Structure credit solutions, such as joint check agreements, for project-based accounts
• Handle complex, high-risk, or exception accounts beyond standard authority
• Lead, coach, and develop credit team members

• Bachelor’s degree in Finance or related field preferred
• Credit, Collections, or Accounts Receivable experience (construction industry preferred)
• Strong analytical and decision-making skills with sound business judgment
• Excellent communication and relationship-building abilities
• Ability to manage priorities and perform effectively in a fast-paced environment
• Leadership or team development experience preferred
• Sales process understanding
• Credit evaluation and portfolio management
• Financial Statement Analysis
• Collections strategy and execution
• Customer and branch relationship management
• Secondary security concepts
• Uniform Commercial Code (UCC) fundamentals
• Enterprise and vendor systems proficiency

Manage a portfolio of accounts receivable of up to $25,000,000
.

This position is based in Roseville, MN
, supporting a multi-state territory that includes North Dakota and the Waterworks business segment
.

Regular overnight travel within the territory is required. Business travel expenses are fully reimbursed.

Ferguson offers health, dental, vision, paid time off, life insurance, 401(k) with company match, mental health coverage, gender affirming and family building benefits, paid parental leave, associate discounts, community involvement opportunities, and more.

$5,258.34 - $8,408.34 per month for salaried roles; hourly for other roles.

Ferguson is an equal opportunity employer and a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans, and 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability.

Ferguson Enterprises, LLC. is an equal employment employer for Female, Male, Disability, Veteran, Sexual Orientation, and Gender Identity.

Equal Employment Opportunity and Reasonable Accommodation Information.