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Associate Credit Jobs in Washington (NOW HIRING)

Lighting Unlimited

Credit Manager

Chantilly, VA · On-site

Ferguson is a community of proud associates who operate with the shared purpose of building ... Ferguson is seeking a skilled Credit Manager to oversee credit, collections, and accounts ...

R E Michel CO

Regional Credit Manager

Glen Burnie, MD · On-site

Provide overall direction to the Credit Associates to ensure the most effective effort is made to promptly collect outstanding receivables. * Collection of larger and/ or more critical accounts.

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Associate Credit information

What is an associate credit?

Associate Credit professionals are entry- to mid-level employees who work in financial institutions or corporate finance teams, focusing on assessing the creditworthiness of individuals or companies. Their responsibilities often include analyzing financial statements, preparing credit reports, assisting in loan underwriting, and monitoring existing credit portfolios. They play a crucial role in ensuring that lending decisions are based on sound financial analysis and risk assessment. Associate Credit professionals typically work under the supervision of senior credit analysts or managers and may interact with clients to gather necessary financial information.

What is a credit associate?

A credit associate or analyst determines whether or not clients are good candidates for credit cards, loans, or financing options. Credit associate jobs are found in the banking industry and other corporate settings that provide financial services, like vehicle dealerships. Job duties include gathering data about potential clients, analyzing their financial information, and making a recommendation about their credit risk. The qualifications for this career are a bachelor’s degree in accounting or finance, experience in the financial industry, and quantitative analysis skills.

What are the key skills and qualifications needed to thrive as an associate credit?

To thrive as an Associate Credit professional, you need strong analytical skills, attention to detail, and a solid understanding of financial principles, typically backed by a degree in finance, accounting, or a related field. Proficiency with credit analysis tools, financial modeling software, and CRM systems is often required. Excellent communication, problem-solving abilities, and teamwork are essential soft skills for effectively collaborating with clients and internal teams. These competencies ensure accurate credit assessments, risk management, and the building of strong client relationships, all of which are critical for organizational success.

What are some common challenges faced by an associate credit, and how can they be overcome?

Associate Credit professionals often encounter challenges such as analyzing complex financial data, balancing multiple client accounts, and meeting tight deadlines for credit assessments. Effective time management and strong analytical skills are crucial to handle these tasks efficiently. Collaboration with senior credit analysts and other departments, such as sales or risk management, can provide valuable insights and support. Continuous learning about industry regulations and credit risk models also helps in staying updated and improving performance.

What is the difference between Associate Credit vs Credit Analyst?

AspectAssociate CreditCredit Analyst
Required CredentialsBachelor's degree in finance, economics, or related field; some roles may require certifications like CFA or CPABachelor's degree in finance, accounting, or related field; certifications like CFA are common but not mandatory
Work EnvironmentTypically in banking or financial institutions, working in teams to assess creditworthinessOften in banks, credit bureaus, or financial firms, analyzing data and preparing reports
Employer & Industry UsageUsed by banks, lending companies, and financial institutions for credit assessmentUsed by banks, credit agencies, and financial firms for evaluating credit risk

Both Associate Credit and Credit Analyst roles involve assessing creditworthiness, requiring similar educational backgrounds and working in financial environments. The main difference lies in job scope: Associate Credit often supports credit decision processes, while Credit Analysts perform detailed credit risk analysis and reporting.

More about Associate Credit jobs

What are the most commonly searched types of Credit jobs in Washington?

The most popular types of Credit jobs in Washington are:

What cities in Washington are hiring for Associate Credit jobs?

Cities in Washington with the most Associate Credit job openings:

Associate Credit jobs near you

Credit Manager

Lighting Unlimited

Chantilly, VA • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 5 days ago

Job description

Job Posting:

Since 1953, Ferguson has been a source of quality supplies for a variety of industries. Together We Build Better infrastructure, better homes, and better businesses. We exist to make our customers' complex projects simple, successful, and sustainable. We proactively solve problems, adapt and grow to continuously serve our customers, communities, and each other. Ferguson is proud to provide best-in-class products, service, and capabilities across the following industries: Commercial/Mechanical, Facilities Supply, Fire and Fabrication, HVAC, Industrial, Residential Trade, Residential Building and Remodel, Waterworks and Residential Digital Commerce. Ferguson has approximately 36,000 associates across 1,700 locations. Ferguson is a community of proud associates who operate with the shared purpose of building something meaningful. You will build a career that you are proud of, at a company you can believe in.

We are currently seeking the right individual to fill an immediate need for a Credit Managerfull time and on-site for our F001 Chantilly VA location. If you have familiarity and experience with credit, collections and accounts receivable coupled with an interest in contributing directly to the bottom line of a multi-billion-dollar organization, this is the position for you!

Ferguson is seeking a skilled Credit Manager to oversee credit, collections, and accounts receivable operations. This role is critical in protecting company assets while supporting sales growth and optimizing return on receivables.

The Credit Manager manages daily credit and collection activities in alignment with company policy and assigned authority, balancing risk management with customer support to drive profitable growth and minimize exposure.

This position is responsible for managing a portfolio of accounts receivable of up to$30 million/monthrequiring strong financial judgment and business partnership.

Responsibilities

  • Monitor customer balances and aging, act on delinquent accounts
  • Develop and execute effective collection strategies
  • Review and manage credit limits and lien rights to protect company interests
  • Resolve disputes in partnership with sales and customers
  • Manage bad debt exposure, including recovery efforts and legal escalation when necessary
  • Ensure compliance with applicable laws and regulations (e.g., UCC, FDCPA, ECOA, liens, bonds, Sarbanes-Oxley)
  • Partner with sales teams through regular branch interaction and customer visits
  • Structure credit solutions (e.g., joint check agreements) for project-based accounts
  • Handle complex, high-risk, or exception accounts beyond standard authority
  • Review obtained credit information, evaluate credit risk, and approve or decline credit accounts and credit limits, in accordance with established company policies and terms, in a timely manner.
  • Conduct or supervise credit investigations on existing and potential customers to extend or raise credit limit and monitor exposure.
  • Contact credit customers through phone, e-mail, or on-site visits regarding their balance due, contributing to prompt payments. Ensure regular follow-up with customers.
  • Build relationships with customers and sales team through routine communication and visitation. Regular discussion of A/R strategy in cooperation with Market Credit Manager.
  • Focus on improving customer payment schedules, increasing Ferguson's collection percentage, and reducing Days Sales Outstanding (DSO), past due balances, write-offs, and disputes.
  • Understand and maintain lien and bond rights, through creation and monitoring of customer job accounts.
  • Keep management informed concerning the status of customers and receivables.
  • Adhere to Company compliance and Health Safety and Environment (HSE) policies, procedures, and requirements

Qualifications

  • Bachelor's degree in finance or related field preferred
  • 2+ yrs Credit Management Experience preferred
  • Credit, Collections, or Accounts Receivable experience (construction industry preferred)
  • Self-confident, strong communication skills and inquisitive
  • Strong analytical and decision-making skills with sound business judgment (macro decision making)
  • Excellent communication and relationship-building abilities
  • Ability to manage priorities and perform effectively in a fast-paced environment
  • Ability to react swiftly to new information and handle conflict professionally
  • Leadership or team development experience preferred
  • Sales process understanding
  • Credit evaluation and portfolio management
  • Financial Statement Analysis
  • Collections strategy and execution
  • Customer and branch relationship management
  • Secondary security concepts
  • Uniform Commercial Code (UCC) and credit fundamentals (ex: financial statement analysis, secondary securities, contract/bankruptcy law, etc.).
  • Enterprise and vendor systems proficiency Microsoft office (Word, Excel, Outlook, OneNote, Teams, A.I.) preferred

At Ferguson, we care for each other. We value our well-being just as much as our hard work. We are committed to a holistic approach towards benefits plans and programs that support the mental, physical, and financial well-being of our associates. Our competitive offering not only includes benefits like health, dental, vision, paid time off, life insurance and a 401(k) with a company match, but our associates also enjoy additional meaningful and inclusive enhancements that are adaptable to their diverse situations and needs, including mental health coverage, gender affirming and family building benefits, paid parental leave, associate discounts, community involvement opportunities and more!

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Pay Range:

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$5,525.00 - $8,825.00

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Estimated Ranges displayed are Monthly for Salaried roles OR Hourly for all other roles.

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This role is Bonus or Incentive Plan eligible.

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Ferguson complies with all wage regulations. The starting wage may be higher in certain locations based on local or state wage requirements.

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The Company is an equal opportunity employer as well as a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans and the requirements of 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability.

Ferguson Enterprises, LLC. is an equal employment employerF/M/Disability/Vet/SexualOrientation/Gender Identity.

Equal Employment Opportunity and Reasonable Accommodation Information

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