Regional Credit Manager

2 days ago


Charlotte, North Carolina, United States Watsco Full time
Job Title: Regional Credit Manager

At Carrier Enterprise, we are seeking a highly skilled Regional Credit Manager to join our team. As a key member of our finance department, you will play a critical role in supporting our sales efforts by maximizing customer profitability while minimizing the risk of accounts receivable loss.

Key Responsibilities:
  • Ensure that credit portfolios meet regional and corporate A/R goals, focusing on maximizing the speed and ease of cash collections while minimizing delinquencies, days sales outstanding (DSO), bad debt losses, and collection costs.
  • Maintain a comprehensive understanding of all customer account activities from order placement through cash collection.
  • Identify process issues that lead to repeated payment delays or deductions and recommend and implement order to cash process improvements to enhance customer satisfaction and improve payment and profit performance.
  • Take a lead role in the escalation of collection issues that are approaching 90 days past due; review weekly past due reports to coach and provide guidance to Credit team.
  • Collaborate with customers and Branches, Sales team to diffuse difficult order hold issues.
  • Lead a team of Credit Managers and Credit Analysts, providing guidance, training, and performance management.
About Us:

Carrier Enterprise is a subsidiary of Watsco, Inc., the largest independent HVAC/R distribution company in the world. We are proud to distribute industry-leading brands such as Carrier, Bryant, Payne, GREE, and other brands of HVAC and Refrigeration equipment, as well as a full-line of aftermarket parts, supplies, and accessories. With over 200 locations throughout 28 states, Puerto Rico, the Caribbean, Latin America, Mexico, and Canada, we have a vast footprint and inventory that allows us to provide our customers with best-in-class service when they need it and where they need it.

Requirements:
  • Bachelor's degree in Finance, Accounting, Business Administration, or related field is preferred.
  • A minimum of 5 years of experience in a credit management role is required.
  • Strong understanding of credit risk assessment, credit scoring models, and financial statement analysis.
  • Excellent leadership skills with a track record of effectively managing and developing a high-performing team.
  • Strategic thinker with the ability to make sound decisions in complex situations.
  • Exceptional communication and negotiation skills, with the ability to build rapport and influence stakeholders at all levels.
  • Proficiency in financial software (e.g., ERP systems, credit scoring tools) and advanced knowledge of Microsoft Excel for financial analysis and reporting.
  • Detail-oriented and analytical mindset.
  • Results-driven with a focus on continuous improvement.
  • Ability to thrive in a fast-paced, dynamic environment.
  • Integrity and a commitment to ethical business practices.
  • Knowledge of the construction lien law for assigned region is required.


  • Charlotte, North Carolina, United States Watsco Full time

    Job DescriptionThe Regional Credit Manager is responsible for supporting sales efforts by maximizing customer profitability while minimizing the risk of accounts receivable (A/R) loss. This role involves providing credit risk analysis for the assigned region of CE total Customer Credit Portfolio.Key Responsibilities:Ensure that the credit portfolios meet...


  • Charlotte, North Carolina, United States Watsco Full time

    {"About Us": "Carrier Enterprise (CE) is a subsidiary of Watsco, Inc., a leading HVAC/R distribution company. With over 200 locations across 28 states, Puerto Rico, the Caribbean, Latin America, Mexico, and Canada, CE provides industry-leading brands and a full-line of aftermarket parts, supplies, and accessories. Our vast footprint and e-Commerce platform...


  • Charlotte, North Carolina, United States COMMERCIAL CREDIT GROUP Full time

    Job OpportunityCommercial Credit Group is seeking a highly skilled Senior Credit Analyst to join our team in Charlotte, NC.We are a leading independent national commercial equipment finance and leasing company, focused on purchase money and refinance transactions in various industries. Our unique approach considers the character, collateral, and cash flow of...


  • Charlotte, North Carolina, United States Regions Bank Full time

    About the RoleWe are seeking a highly skilled Credit Products Specialist to join our team at Regions Bank. As a key member of our credit products team, you will be responsible for partnering with clients to understand their credit needs and providing expert guidance on credit products and risk management.Key ResponsibilitiesDevelop and maintain relationships...


  • Charlotte, North Carolina, United States Regions Bank Full time

    Job Description:At Regions Bank, we are seeking a highly skilled Credit Products Specialist to join our team. As a key member of our credit products team, you will be responsible for partnering with clients to understand their credit needs and providing expert guidance on credit products and risk management.Key Responsibilities:Develop and maintain...

  • Credit Risk Manager

    3 weeks ago


    Charlotte, North Carolina, United States INSPYR Solutions Full time

    Job Title: Credit Risk ManagerWe are seeking a highly skilled Credit Risk Manager to join our team at INSPYR Solutions. As a Credit Risk Manager, you will be responsible for assessing and managing credit risk across various business lines.Key Responsibilities:Develop and implement credit risk management strategies to minimize potential lossesConduct thorough...

  • Credit Risk Manager

    4 weeks ago


    Charlotte, North Carolina, United States INSPYR Solutions Full time

    Job SummaryWe are seeking a highly skilled Credit Risk Manager to join our team at INSPYR Solutions. As a key member of our organization, you will be responsible for providing credit risk oversight for our consumer credit portfolios.Key ResponsibilitiesMonitor the credit quality of assigned portfolios to ensure adherence to established risk parameters.Ensure...


  • Charlotte, North Carolina, United States Craft-Bilt Mfg. Co. Full time

    Unlock Your Sales Potential with Craft-Bilt Manufacturing Co.Are you a sales enthusiast looking for a new challenge? Do you thrive in a fast-paced environment where no two days are the same? Look no further than Craft-Bilt Manufacturing Co., a leading American manufacturing company with a rich history of innovation and excellence.About the Role:As a Regional...


  • Charlotte, North Carolina, United States United Rentals Full time

    Credit Supervisor Role at United RentalsAs a Credit Supervisor at United Rentals, you will oversee a portfolio of assigned accounts receivable teams, allocating resources to achieve goals and ensuring accountability to key performance metrics.Key Responsibilities:Manage and allocate team resources to achieve business objectivesMonitor and analyze key...


  • Charlotte, North Carolina, United States KPMG Full time

    Job Title: Commercial Credit Risk ManagerWe are seeking a highly skilled Commercial Credit Risk Manager to join our team at KPMG. As a key member of our Advisory practice, you will be responsible for managing client engagements and providing transformational process enhancement through procedural and control assessment of the various credit functions,...


  • Charlotte, North Carolina, United States City National Bank Full time

    Job Title: Credit Risk Reporting ManagerCity National Bank is seeking a highly skilled Credit Risk Reporting Manager to join our team. As a key member of our Credit Risk Management department, you will be responsible for managing Second Line of Defense Credit Risk Reporting and participating in strategic projects focused on transforming Credit Risk Reporting...


  • Charlotte, North Carolina, United States Ultimus Fund Solutions, LLC Full time

    Senior Manager, Private CreditThe Senior Manager, Private Credit will be responsible for overseeing the day-to-day operations of private credit loan operations. This role requires a strong understanding of bank debt and fixed income securities, as well as experience in the Private Credit/Middle Market loan space.Key Responsibilities:Manage the operations of...


  • Charlotte, North Carolina, United States Regions Bank Full time

    Job SummaryWe are seeking a highly skilled Credit Products Real Estate Associate to join our team at Regions Bank. As a key member of our Credit Products team, you will play a critical role in identifying and mitigating risks in existing and proposed credit products.Key ResponsibilitiesCollect and review financial statements, covenant compliance, and other...


  • Charlotte, North Carolina, United States Churchill Real Estate Full time

    Job Title: Head of Credit and UnderwritingAt Churchill Real Estate, we are seeking a seasoned professional to lead our credit and underwriting functions. As the Head of Credit and Underwriting, you will be responsible for developing and implementing a comprehensive credit risk management strategy that aligns with our business objectives and regulatory...


  • Charlotte, North Carolina, United States Churchill Real Estate Full time

    Job Summary:Churchill Real Estate is seeking a seasoned professional to lead its credit risk management and underwriting functions. The ideal candidate will have a deep understanding of credit risk management, underwriting, and leadership, with a proven track record of developing and implementing successful credit risk management and underwriting...

  • Senior Credit

    1 week ago


    Charlotte, North Carolina, United States Elevate Textiles Full time

    About the RoleElevate Textiles is a leading global manufacturer of fabric and thread solutions, committed to innovation, sustainability, and quality craftsmanship. We are seeking a seasoned Senior Credit & Collections Manager to join our shared services finance team.Key ResponsibilitiesManage the complete Order-to-Cash cycle, including credit analysis,...


  • Charlotte, North Carolina, United States Elevate Textiles Full time

    About the RoleElevate Textiles is a leading global manufacturer of fabric and thread solutions, committed to innovation, sustainability, and quality craftsmanship. We are seeking a seasoned Senior Credit and Collections Manager to join our shared services finance team.Key ResponsibilitiesManage the complete Order-to-Cash cycle, including credit analysis,...


  • Charlotte, North Carolina, United States Regions Bank Full time

    Job DescriptionAt Regions Bank, we are seeking a highly skilled Credit Products Associate - Diversified Industries to join our team. As a key member of our Credit Products group, you will play a critical role in identifying and mitigating risks in existing and proposed credit products.Key ResponsibilitiesPrepare comprehensive credit approval packages for new...


  • Charlotte, North Carolina, United States Truist Financial Full time

    Job SummaryWe are seeking a highly skilled Wealth Credit Portfolio Manager to join our team at Truist Financial. As a key member of our credit team, you will be responsible for underwriting complex commercial credit exposure for our Wealth Medical Specialty and Legal Specialty groups.Key ResponsibilitiesManage end-to-end credit delivery process for complex...

  • Credit Data Analyst

    3 weeks ago


    Charlotte, North Carolina, United States First Horizon Bank Full time

    Job SummaryWe are seeking a highly skilled Credit Data Analyst to join our team at First Horizon Bank. As a Credit Data Analyst, you will play a critical role in assisting in the documentation, production, and analysis of Current Expected Credit Losses (CECL), Credit Loss Forecasting, and Stress Testing material covering both the consumer and commercial...