Credit Risk Management. Establish and enforce company-wide credit policies, limits, and approval authorities. Review and approve credit applications, financial statements, trade references, and bonding capacity of contractors and distributors. Monitor customer credit exposure, aging trends, and concentration risk across geographic and product lines. Implement proactive risk mitigation tools such as: Personal guarantees Joint check agreements Lien rights and preliminary notices Accounts Receivable and Collections. Lead the collections strategy across all customer segments, including general contractors, subcontractors, and distributors. Drive performance against key metrics such as: Days Sales Outstanding (DSO) Past due percentage Bad debt expense Personally handle escalated or high-risk accounts and complex disputes. Ensure consistent follow-up cadence and documentation across all branches and locations. Construction-Specific Risk Controls. Oversee issuance and tracking of: Preliminary notices Lien waivers Liens and bond claims Partner with internal and external legal counsel to enforce lien rights and manage legal recovery when necessary. Evaluate credit exposure at both the customer and project level to reflect construction-specific risk dynamics. Team Leadership and Operations. Lead and develop a small team of credit and collections professionals. Set performance expectations, conduct training, and ensure adherence to company credit policies. Standardize credit and collections processes across business lines to ensure consistent application of policies and documentation. Cross-Functional Collaboration. Work closely with Sales leadership to structure payment terms that support growth while maintaining acceptable risk. Coordinate with Operations and Dispatch regarding credit holds, order releases, and stop-ship decisions. Support the VP, Finance and Accounting with: Cash flow forecasting inputs Allowance for doubtful accounts analysis External audit and lender reporting requirements Systems, Reporting, and Process Improvement. Own AR reporting and analytics, including: Aging by division, region, and salesperson Customer credit exposure and utilization Collection effectiveness and dispute trends Drive improvements in billing accuracy, cash application efficiency, and dispute resolution cycle times. Partner with IT and Finance leadership to optimize ERP credit and collections functionality. Key Performance Indicators. This role is typically evaluated based on:Days Sales Outstanding (DSO) Past due balances over 60 and 90 days Bad debt expense as a percentage of revenue Lien recovery success rate Cash collections versus forecast Requirements Bachelor’s degree in Accounting, Finance, or Business Administration 6–10 years of progressive experience in credit, collections, or accounts receivable 2 years of team leadership experience Experience managing a B 2 B receivables portfolio of at least $10 M Preferred / Nice-to-haves. Experience in construction materials, building products, or project-based B 2 B environments Experience with SAP Business One and / or Great Plains. Working knowledge of: Lien laws Construction contracts and pay-when-paid terms Surety bonds and credit risk indicators specific to contractors Core Competencies. Strong financial analysis and credit underwriting skills Effective negotiator with the ability to preserve customer relationships while enforcing payment discipline Ability to influence Sales and Operations without direct reporting authority Hands-on leadership style suited to a mid-sized organization with lean staffing