Credit & Cash Flow Manager

Position Summary

The Credit & Cash Flow Manager is responsible for overseeing customer credit risk, accounts receivable performance, and the company’s overall cash flow management. This role plays a critical part in safeguarding financial stability by evaluating creditworthiness, optimizing collections, forecasting cash requirements, and ensuring adequate liquidity for day-to-day operations. Working closely with Finance, Accounting, Sales, and senior leadership, the Credit & Cash Flow Manager develops credit policies, leads the credit and collections team, manages treasury operations, and provides actionable insights through financial modeling and reporting.

Major Responsibilities

Financial & Credit Risk Management

• Conduct financial analysis, credit assessments, and risk evaluations for new and existing customers.
• Establish, approve, and monitor customer credit limits aligned with company objectives.
• Maintain credit insurance programs and ensure compliance with credit policies.
• Prepare and present credit-risk reports, scorecards, and trends to senior leadership.
  
  
  

Accounts Receivable & Collections Oversight

• Lead all accounts receivable and collections activities, including delinquency resolution.
• Oversee deduction tracking, reconciliation processes, and DSO performance.
• Interface with key customers to resolve overdue accounts and disputes.
• Partner with the Finance Manager on key credit and collection matters.
  
  
  

Cash Management

• Cash Forecasting & Modeling: Develop and maintain daily, weekly, and monthly cash‑flow forecasts to anticipate cash needs.
• Banking & Treasury: Manage bank accounts, perform wire transfers, ACH transactions, and ensure accurate treasury operations.
• Cash Operations: Monitor daily cash inflows/outflows, reconcile bank balances, and ensure efficient cash positioning.
• Liquidity Management: Ensure adequate liquidity to meet short‑term operational and financial commitments.
• Risk Management: Identify and mitigate financial risks affecting cash‑flow stability.
• Reporting: Prepare and present detailed cash‑flow reports and analyses for senior management decision‑making.
  
  
  

Cross‑Functional Collaboration

• Advise Sales on customer financial health and credit decisions.
• Provide clear communication and problem‑solving support to internal teams and customers.
• Educate Sales and customer partners on financial procedures and credit expectations.
  
  
  

Leadership & Team Management

• Lead, mentor, and develop the credit and collections team.
• Promote best practices, foster continuous improvement, and enforce policy compliance.
• Oversee workflow, team performance, and execution of credit and cash‑flow policies.
  
  
  

Financial Modeling & Strategy

• Create and maintain financial and credit‑risk models.
• Recommend process enhancements for credit approvals, financial controls, and operational stability.
  
  
  

Requirements

• Bachelor’s degree in finance, accounting, or business.
• 10 years of experience in finance, credit/collections, or corporate credit operations.
• Strong negotiation, communication, and reconciliation skills.
• Solid understanding of commercial credit and collection laws.
• Proven ability to build and maintain strong customer and sales relationships.
• Experience in machinery leasing or construction equipment industry preferred.
• Proficiency in Microsoft Excel and Word; BPCS, SAP, or Epicor experience a plus.
• Detail‑oriented, energetic, and reliable in meeting deadlines.
• National accounts experience and credit association membership are assets.