Credit Manager

• Analyzes financial statements of potential and existing customers to determine current financial strength, liquidity, debt services coverage and value of collateral.
• Manages collection process of delinquent accounts and establishes relationship with collection agencies and attorneys.
• Resolves disputes with customers and other departments as they relate to risk management.
• Analyzes credit applications for terms of sale and credit limits.
• Ensures that customer financial reports are prepared and submitted to leaders and other sales staff on a consistent basis.
• Collaborates with sales team to improve credit quality, cash flow, and reduce delinquent accounts.
• Performs ongoing monitoring and analysis of data of borrowers for service compliance. Consults with current & future clients regarding level of credit.
• Controls bad debt exposure and expenses through direct management of credit terms on the company's ledger.
• Sets and changes credit terms as required.
• Sets and ensures compliance with corporate credit policy.
• Implements liens to major delinquent accounts as needed.
• Oversees the negotiation and course of action for delinquent accounts. Pursues legal remedies for non-payers.
• Ensures an accurate and timely monthly, quarterly and year end close.
• Collaborates with the Regional Credit and Export Manager, Controller, General Manager and other department leaders to support the overall financial goals and objectives.
• Advises the Regional Credit & Export Manager, Controller and General Manager of non-routine reporting transactions.
• Manages accounts receivable records including but not limited to: application of cash receipts, resolution of short payments and billing problems, credit memos, elimination of government payment discrepancies, resolution of bank discrepancies regarding electronic and credit card payments.
• Establishes and adheres to accounting principles and controls which verify the integrity of all systems, processes and data.

Metals USA provides equal employment opportunities to applicants and employees w/o regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status or disability.

Metals USA is committed to protecting our employees by creating and maintaining a workplace free of substance abuse.