Director Of Credit

Norfolk Iron & Metal is a family-owned steel service center with a long history of strong execution, trusted relationships, and long-term growth. We are seeking a Director of Credit to lead and unify our centralized, company-wide credit function. This role provides enterprise-level leadership over credit strategy, risk management, and working capital while supporting disciplined, profitable growth across all company locations.

• Centralized Credit Leadership
  :
  Lead a centralized credit department serving all locations, establishing consistent policies, approval authority, and best practices company-wide.
• Professional Representation
  :
  Carry yourself like a professional and represent Norfolk Iron & Metal with integrity, respect, and accountability in all internal and external interactions.
• Credit Strategy & Risk Management
  :
  Set and execute credit strategy that balances sales growth with disciplined exposure management in a cyclical, commodity-driven industry. Proactively participate in credit related trade groups related to the metal service center industry.
• Portfolio Oversight
  :
  Own the company-wide credit portfolio, including exposure monitoring, aging, days sales outstanding, collection effectiveness index ratios, and bad debt performance.
• Team Leadership & Empowerment
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  Develop and mentor the credit team, empowering sound decision-making while holding the department accountable to performance standards.
• Cross-Functional Partnership
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  Work closely with district leadership teams to support customer relationships, resolve issues head-on, and meet commitments.
• Continuous Improvement
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  Identify opportunities to improve systems, reporting, and processes—celebrating wins while always looking ahead to what’s next.
• Executive Reporting
  :
  Provide clear, actionable credit risk reporting and insights to senior leadership, supporting decisions with a long-term time horizon.

• Strong commercial credit and financial analysis expertise
• Ability to lead centralized, multi-location credit teams
• Sound judgment and confidence in making difficult credit decisions
• Strong written and verbal communication skills
• Collaborative, relationship-driven leadership style
• Ability to manage multiple priorities in a fast-paced environment
• Ability to travel up to 20%

• Bachelor’s degree in Finance, Accounting, Business, or related field preferred
• 5+ years of progressive commercial credit experience, including leadership responsibility
• Experience in steel, metals, or industrial distribution preferred