Senior Credit Manager

Senior Credit Manager

Job Description:

The Senior Credit Manager plays a key role within a large corporate finance organization, overseeing a defined portion of the customer credit portfolio across industrial, food service, specialty, export, and grocery channels. This role balances rigorous credit risk analysis with end-to-end order-to-cash oversight and extensive cross-functional collaboration with sales, customer service, supply chain, and corporate collections. Reporting directly to the Director of Finance, the Senior Credit Manager serves as a primary finance contact for customer-related transactions and presents credit recommendations to Senior finance leadership.

Responsibilities:

+ Perform detailed credit and financial statement analysis on new and existing customers, including review and interpretation of balance sheets, income statements, and cash flow statements.

+ Utilize credit scoring tools in combination with internal profitability data to recommend optimal credit terms that balance risk and commercial opportunity.

+ Prepare scheduled credit line reviews and present well-supported recommendations, including written narratives, to executive-level stakeholders.

+ Serve as the primary finance oversight for customer-related transactions, including invoicing, payments, collections, deductions, and credit/debit memos.

+ Co-supervise one Collection Analyst and provide day-to-day support for collection activities within the assigned customer portfolio.

+ Manage blocked orders on a daily basis, evaluating risk and determining whether to release or hold orders to protect cash flow and minimize exposure.

+ Identify and drive process improvement opportunities across the order-to-cash cycle to increase efficiency and enhance cash flow performance.

+ Maintain accurate and up-to-date customer data within ERP systems, leveraging system functionality to support touchless transactional processing.

+ Actively investigate, evaluate, and adopt AI-driven process enhancements within the credit function to modernize workflows and decision-making.

+ Partner closely with customers, sales managers, and internal business partners in supply chain and customer service to resolve payment and transactional issues diplomatically and efficiently.

+ Collaborate with corporate collections and other finance team members to ensure consistent application of credit policies and risk management practices.

+ Contribute to continuous improvement initiatives within the broader finance team by sharing insights from credit analysis and portfolio performance.

Essential

Skills:

+ Bachelor's degree in Accounting, Business Administration, or Finance.

+ Minimum of 3 years of experience in domestic corporate credit analysis.

+ Strong financial statement analysis skills, including the ability to interpret balance sheets, income statements, and cash flow statements.

+ Demonstrated expertise in credit risk assessment and recommending appropriate credit terms.

+ Experience managing customer credit portfolios, including setting and reviewing credit limits.

+ Working knowledge of order-to-cash processes, including invoicing, collections oversight, and accounts receivable management.

+ Proficiency in credit analysis and credit risk disciplines, including credit and collections activities.

+ Solid understanding of accounting and finance principles relevant to corporate credit management.

+ Excellent written and verbal communication skills, with the ability to present credit recommendations and analyses to executive leadership.

+ Proficiency with MS Office applications for analysis, reporting, and presentation purposes.

+ Ability to work cross-functionally with sales, customer service, supply chain, and corporate collections teams.

Additional Skills &

Qualifications:

+ Experience in a manufacturing, food and beverage, or consumer packaged goods (CPG) credit environment.

+ International corporate credit analysis experience, including evaluating global customers and markets.

+ Hands-on experience with SAP or other large ERP systems for credit, billing, and accounts receivable processes.

+ Hands-on experience with dedicated credit risk systems and tools.

+ Familiarity with credit risk monitoring services such as D&B, S&P, Moody's, and Credit Risk Monitor.

+ Experience co-supervising, mentoring, or developing collection analysts.

+ Exposure to AI-driven process improvement tools within finance or credit functions.

+ Experience negotiating alternative credit security options such as guarantees, standby letters of credit (LCs), and UCC filings.

+ Background in financial analysis, financial audit, and accounts receivable management.

+ Interest in professional development, continuing education, and certifications in credit, finance, or related disciplines.

Work Environment:

The role is based in a modern shared services campus in Baltimore, within a cubicle office setting alongside Finance, Supply Chain, and Customer Service teams, fostering daily cross-functional interaction and collaboration. The…