Credit Manager

1 month ago

Atlanta, Georgia, United States The Richards Group Full time

Summary:
 Directs and coordinates activities of workers engaged in conducting credit investigations and collecting delinquent accounts of customers by performing the following duties personally or through subordinate supervisors.
Location:
Smyrna, GA (Near Battery Center)
Work Hours:
8:
00am - 5:
00pm
Essential Duties and
Responsibilities:
(Other duties may be assigned.)
  • Assesses creditworthiness of new and existing customers by analyzing financial statements, credit reports, and other relevant information to establish credit limits.
  • Monitors customer accounts and communicates with customers to resolve payment issues and disputes, negotiate payment plans, and ensure payments are made on time and in accordance with the established terms.
  • Collaborates with Sales and Finance teams to optimize credit processes and facilitate sales growth and cash flow.
  • Proactively requests updated information and makes recommendations on potential credit risks
  • Arranges security instruments:
    Letters of Credit, Guarantees, and UCC filings.
  • Implements appropriate steps to collect delinquent accounts, including holding of shipment, 3rd party collections, legal suit, etc. as required.
  • Reviews doubtful accounts to determine collectability or need to be written off.
  • Assists management in the formulation of credit policies.
  • Identifies and champions business process improvement to support the credit function
  • Manages job performance, training, mentoring and coaching of one or more Credit Assistants and/or Senior Credit Assistants.

Qualifications:
 To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  • Strong knowledge of credit risk assessment and credit evaluation techniques
  • Strong understanding of financial statement and advanced liquidity analysis
  • Knowledge of relevant laws, regulations, and compliance
  • Professional verbal and written communication and interpersonal skills
  • Excellent analytical, problem-solving, and negotiation skills
  • Detail oriented with superior organizational and time management skills
  • A positive approach in working with customers, Sales, and other teams
Education:

Bachelor's degree (B.S. or B.A.) from four-year college or university with courses in credit and collection principles, accounting, financial statement analysis, commercial law, microcomputers, marketing, management, psychology and economics.

Experience:

10 years or more in credit and collection work with exposure to multiple aspects of credit activities, including at least 5 years in a supervisory capacity in the same or similar industry. Sincere interest in credit work as a career. Fact finding, analysis and interpretation of the financial position of customers. Supervision of the extension of credit and collection of receivables. Familiarity with credit procedure and credit department administration. Training of credit personnel. Maintenance of satisfactory customer relations. Contact financial institutions and sources of credit information. Participation in meetings of credit groups.
Language Skills:

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of the organization. Consideration and fairness in dealing with people. Emotional stability in handling unpleasant situations with tact and diplomacy.
Mathematical Skills:

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. Financial statement analysis is also required.
Reasoning Ability:

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to apply sound credit principles while recognizing the need for sales volume. Ability to deal with problems involving several concrete variables in standardized situations.
Computer Skills:

To perform this job successfully, an individual should have a knowledge of accounting software; Microsoft Excel and Word experience also required. Experience in client server-based software, i.e. PeopleSoft or SAP, etc., and experience in running queries are also required.
Physical Demands:
 The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
While performing the duties of this job the employee is regularly required to sit; use hands and fingers to handle or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand and walk.
The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, depth perception and ability to adjust focus. Some travel by car and airplane may also be required.
Work Environment:
 The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
Estimated Salary: $20 to $28 per hour based on qualifications.

  • Credit Solutions Advisor

    2 weeks ago

    Atlanta, Georgia, United States Georgia's Own Credit Union Full time

    Join a vibrant team at Georgia's Own Credit Union, where we prioritize exceptional service and collaboration. We are currently seeking a dedicated professional to enhance our consumer lending services. This role supports a flexible hybrid work model, enabling a productive balance between in-office teamwork and remote work advantages. We equip our employees...

  • Credit Risk Manager

    6 days ago

    Atlanta, Georgia, United States RNDC Full time

    About RNDCRNDC is a leading wine and spirits wholesaler with a rich history and a strong commitment to its core values of Family, Service, Accountability, Honesty, and Professionalism. We offer a dynamic and inclusive work environment that fosters growth and engagement.Job SummaryWe are seeking a highly skilled Credit Specialist to join our team. As a Credit...

  • Credit and Accounts Manager

    2 weeks ago

    Atlanta, Georgia, United States Omni Hotels Full time

    Position Overview:Omni HotelsAt Omni Hotels, we pride ourselves on delivering luxurious experiences combined with exceptional service. Our team is dedicated to creating an environment of respect, gratitude, and empowerment, ensuring that our associates thrive in a dynamic workplace.Job Summary:As the Credit and Accounts Manager, your primary responsibility...

  • Credit and Collections Manager

    2 weeks ago

    Atlanta, Georgia, United States Jobot Full time

    Dynamic Family-Owned Enterprise | Competitive Salary & Benefits | Growth Opportunities Available This position is hosted by: Jobot About Us: We are a family-owned enterprise with a rich history of over 60 years in managing and owning apartment communities across various states. Our commitment to providing outstanding customer service is the cornerstone of...

  • Credit and Collections Manager

    2 weeks ago

    Atlanta, Georgia, United States Jobot Full time

    Thriving Family-Owned Business | Competitive Salary & Benefits | Career Growth Opportunities This position is hosted by: Jobot About Us: We are a family-owned enterprise with a rich history of over 60 years in managing and owning apartment communities across multiple states. Our commitment to providing an outstanding customer experience is the cornerstone of...

  • Wealth Credit Portfolio Manager

    4 days ago

    Atlanta, Georgia, United States Truist Full time

    Job SummaryWe are seeking a highly skilled and experienced Wealth Credit Portfolio Manager to join our team at Truist. As a key member of our commercial credit team, you will be responsible for underwriting complex credit relationships and managing a portfolio of commercial loans.Key ResponsibilitiesUnderwriting: Manage the end-to-end credit delivery process...

  • Credit Risk Analytics Manager

    2 weeks ago

    Atlanta, Georgia, United States National Funding Full time

    Position Overview:As a pivotal member of our team, the Credit Risk Analytics Manager will play a crucial role in overseeing and enhancing the risk management framework for our small business lending initiatives. This position is hybrid, allowing for a blend of onsite and remote work, fostering a flexible work environment.Compensation:Exempt Salary Range:...

  • Head of Credit Risk Management

    2 weeks ago

    Atlanta, Georgia, United States Microsoft Corporation Full time

    Microsoft Corporation - Director of Credit RiskLocation: Atlanta, GeorgiaThe Global Treasury & Financial Services (GTFS) team at Microsoft is dedicated to facilitating the digital transformation journey of our customers, partners, and vendors by offering competitive credit and payment solutions aimed at fostering revenue growth while effectively managing...

  • Manager, Commercial Credit Risk

    2 months ago

    Atlanta, Georgia, United States KPMG Full time

    KPMG Advisory practice is currently our fastest growing practice.We are seeing tremendous client demand, and looking forward we do not anticipate that slowing down.In this ever-changing market environment, our professionals must be adaptable and thrive in a collaborative, team-driven culture.At KPMG, our people are our number one priority.With a wealth of...

  • Corporate Banking Credit Division Manager

    2 weeks ago

    Atlanta, Georgia, United States Regions Financial Corporation Full time

    Job Description:At Regions Financial Corporation, the Corporate Banking Credit Division Manager plays a pivotal role in leading a team of experienced Credit Officers responsible for evaluating the overall creditworthiness of loan transactions within the Corporate Banking Group. This includes commercial, corporate, real estate, and specialized banking loan...

  • Area Credit Operations Manager

    2 weeks ago

    Atlanta, Georgia, United States Upgrade, Inc. Full time

    Position Overview:The Area Credit Operations Manager at Upgrade, Inc. will be responsible for directing and supervising the Credit Department's indirect lending activities tailored for automotive dealerships. This role includes recruiting, mentoring, and guiding team members to enhance their underwriting capabilities while fostering strong client...

  • Collections and Credit Operations Manager

    2 weeks ago

    Atlanta, Georgia, United States Graphic Packaging International Spain SA Full time

    At Graphic Packaging International, we pride ourselves on being a global frontrunner in sustainable paper-based packaging, delivering innovative solutions for leading brands across diverse sectors. Our commitment to environmental stewardship and fostering a diverse workplace is paramount, complemented by competitive remuneration and benefits. Become a part...

  • Credit Risk Management Associate

    1 week ago

    Atlanta, Georgia, United States Truist Financial Corporation Full time

    Primary Location: Atlanta, GA USJob Overview: The role outlined below is essential for our operations. If you wish to proceed with your application, please click the Apply button at the top or bottom of this page. You will need to create an account or log in to an existing one.Regular or Temporary: RegularLanguage Fluency: English (Required)Work Shift: 1st...

  • Credit Risk Management Associate

    1 week ago

    Atlanta, Georgia, United States Truist Financial Corporation Full time

    Position Overview:The Credit Delivery Associate plays a crucial role in managing credit products for both new and existing clients. This position is essential in ensuring that client needs are met while maintaining effective risk management strategies.Key Responsibilities:Oversee and execute credit event processes, including underwriting, refinancings, and...

  • Credit Risk Management Associate

    1 week ago

    Atlanta, Georgia, United States Truist Financial Corporation Full time

    Position Overview:The Credit Delivery team plays a crucial role in assessing and managing credit products for both new and existing clients. This position is essential in ensuring that client needs are met while adhering to effective risk management strategies.Key Responsibilities:Oversee and execute credit event processes, including underwriting,...

  • Corporate Bank Credit Division Manager

    2 months ago

    Atlanta, Georgia, United States Regions Full time

    Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed,...

  • Senior Manager of Consumer Credit Strategy

    2 weeks ago

    Atlanta, Georgia, United States Truist Full time

    Senior Manager of Consumer Credit Strategy Job OverviewSummary: Truist is seeking a seasoned Senior Manager of Consumer Credit Strategy to spearhead a dedicated team and provide visionary leadership for intricate consumer credit portfolios. This pivotal role encompasses the management of loan pricing, collections, default strategies, and the formulation of...

  • Senior Manager of Wholesale Credit Risk

    2 weeks ago

    Atlanta, Georgia, United States Synovus Full time

    Job OverviewPosition Summary:The Senior Manager of Wholesale Credit Risk is responsible for overseeing and evaluating a diverse portfolio of client credit exposures across various industry sectors. This role involves assessing credit applications, including new requests, renewals, and modifications, serving as the primary credit authority within the first...

  • Divisional Credit Manager

    4 days ago

    Atlanta, Georgia, United States Floor & Decor Holdings, Inc. Full time

    Job SummaryFloor & Decor Holdings, Inc. is seeking a highly skilled Divisional Credit Manager to drive the growth of our private label credit programs. As a key member of our credit team, you will be responsible for developing and executing strategies to increase credit sales and improve profitability across our assigned areas.Key ResponsibilitiesDrive...

  • Credit Underwriter

    1 month ago

    Atlanta, Georgia, United States Cadence Bank Full time

    Primary Purpose:Primary duty is to analyze, underwrite and decision credit decisions submitted by various lines of business within the Bank. Credit Underwriter has a working knowledge of small business underwriting, cash flow analysis, financial spreading, loan structure, loan decisioning, along with an understanding of various types of collateral and...