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Credit Manager Jobs in Minnesota (NOW HIRING)

Ferguson Enterprises Inc.

Credit Manager

Roseville, MN · On-site

$5.2K - $8.4K/mo

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 ...

MacQueen Equipment LLC

Credit Manager

Saint Paul, MN

$90K - $120K/yr

What You'll Do As our Credit Manager, you'll lead the credit, accounts receivable, collections, and cash application functions for the organization. You'll be responsible for improving working ...

Lighting Unlimited

Credit Manager

Roseville, MN · On-site

$5.2K - $8.4K/mo

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 ...

HP Products

Credit Manager

Roseville, MN · On-site

$5.2K - $8.4K/mo

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 ...

MacQueen

Credit Manager

Saint Paul, MN · On-site

$90K - $120K/yr

What You'll Do As our Credit Manager, you'll lead the credit, accounts receivable, collections, and cash application functions for the organization. You'll be responsible for improving working ...

SUPPLY.com

Credit Manager

Roseville, MN · On-site

$5.2K - $8.4K/mo

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 ...

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All JobsCredit JobsCredit Manager JobsCredit Manager Jobs in Minnesota

Credit Manager information

See Minnesota salary details

$25K

$66.3K

$126.3K

How much do credit manager jobs pay per year?

As of Jul 29, 2026, the average yearly pay for credit manager in Minnesota is $66,265.00, according to ZipRecruiter salary data. Most workers in this role earn between $35,300.00 and $90,600.00 per year, depending on experience, location, and employer.

What are some typical challenges Credit Managers face when assessing credit risk, and how can these be addressed?

Credit Managers often face the challenge of gathering sufficient and reliable financial data to accurately assess the creditworthiness of clients, especially with new or small businesses. Balancing the need for thorough risk analysis with maintaining positive customer relationships is also crucial. To address these challenges, Credit Managers use robust credit scoring systems, maintain clear communication with clients, and stay updated on industry trends to refine their risk assessment strategies. Collaboration with sales and finance teams is essential to align credit policies with organizational goals while minimizing exposure to bad debt.

What are the 5 C's of credit management?

The 5 C's of credit management are Character, Capacity, Capital, Collateral, and Conditions. These criteria help credit managers assess a borrower's creditworthiness and determine the risk of extending credit. Understanding and evaluating these factors is essential for effective credit risk management and decision-making.

What Does a Credit Manager Do?

A credit manager works in the banking industry or for a lending organization. Their job responsibilities include underwriting or evaluating requests for credit using credit scores, projected profits and losses, and risk factors. People in credit management are responsible for accepting or rejecting loan applications based on these criteria and have the authority to oversee the company’s lending process. The job duties of a credit manager also include creating models to assess creditworthiness, as their ultimate goal is to reduce loss and increase profits from lending. Alternatively, a credit manager can work for a seller, typically a business-to-business or B2B organization, granting trade credit to buyers. Credit managers are responsible for creating models or criteria to assess the creditworthiness of buyers, creating discount or incentive programs for early payment, and managing the credit department of the company. They may also be responsible for credit accounting and collections. Career qualifications include a bachelor’s degree in accounting, business, or a related field.

What are the key skills and qualifications needed to thrive as a Credit Manager, and why are they important?

To thrive as a Credit Manager, you need expertise in financial analysis, credit risk assessment, and a solid understanding of accounting principles, often supported by a degree in finance or a related field. Familiarity with credit management software, ERP systems, and relevant certifications such as Certified Credit Professional (CCP) are commonly required. Strong negotiation, decision-making, and communication skills help build trust with clients and effectively manage credit policies. These skills ensure the organization minimizes financial risk while maintaining healthy customer relationships and cash flow.

What is the difference between Credit Manager vs Credit Analyst?

AspectCredit ManagerCredit Analyst
CredentialsBachelor's degree; often certifications like CAM, CCRABachelor's degree; often certifications like CAM, CCRA
Work EnvironmentOversees credit policies, manages teams, interacts with senior managementAnalyzes credit data, assesses risk, prepares reports
Employer & IndustryFinancial institutions, corporations, credit agenciesFinancial institutions, credit bureaus, lending companies

The Credit Manager focuses on overseeing credit policies, managing credit teams, and making high-level credit decisions. In contrast, the Credit Analyst primarily analyzes credit data, assesses risk, and prepares reports to support credit decisions. Both roles require similar credentials and often work within the same industries, but their responsibilities differ in scope and focus.

Is credit management a good career?

Credit management is a stable career that involves assessing creditworthiness, managing credit risk, and maintaining customer relationships. It often requires strong analytical skills, attention to detail, and knowledge of financial regulations, with opportunities for advancement into senior finance roles.

What is the highest paying credit manager job?

The highest paying credit manager roles are typically senior or executive-level positions such as Credit Director or Chief Credit Officer, often found in large corporations or financial institutions. These roles require extensive experience, advanced financial skills, and sometimes certifications like CFA or CPA, and they can offer salaries exceeding $150,000 annually depending on the industry and location.

What is the work of a credit manager?

A credit manager oversees a company's credit policies, evaluates the creditworthiness of clients, and approves or denies credit applications. They analyze financial data, manage credit risk, and ensure timely collection of payments, often using credit management software. Strong analytical skills and knowledge of financial regulations are essential for this role.

What does a Credit Manager do?

A Credit Manager is responsible for overseeing a company's credit policies, assessing the creditworthiness of potential customers, and managing the process of granting credit and collecting payments. They analyze financial data, set credit limits, and help minimize financial risk to the organization. Credit Managers also work closely with sales and accounting teams to ensure that credit terms are followed and that outstanding debts are collected efficiently.
More about Credit Manager jobs
What are the most commonly searched types of Credit jobs in Minnesota? The most popular types of Credit jobs in Minnesota are:
What are popular job titles related to Credit Manager jobs in Minnesota? For Credit Manager jobs in Minnesota, the most frequently searched job titles are:
What job categories do people searching Credit Manager jobs in Minnesota look for? The top searched job categories for Credit Manager jobs in Minnesota are:
What cities in Minnesota are hiring for Credit Manager jobs? Cities in Minnesota with the most Credit Manager job openings:
Credit Manager jobs near you
Infographic showing various Credit Manager job openings in Minnesota as of July 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $66,265 per year, or $31.9 per hour.

Credit Manager

Ferguson Enterprises Inc.

Roseville, MN • On-site

$5.2K - $8.4K/mo

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 12 days ago

Ferguson Waterworks rating

9.1

Company rating: 9.1 out of 10

Based on 12 frontline employees who took The Breakroom Quiz

23rd of 403 rated retail wholesalers

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, a Fortune 500 company, 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.
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$25,000,000, requiring strong financial judgment and business partnership.
This position is based inRoseville, MN, supporting a multi-state territory that includesNorth Dakotaand theWaterworks business segment.
Regular overnight travel within the territory is required. Business travel expenses are fully reimbursed.
Responsibilities
  • Evaluate and approve credit applications, limits, and account changes based on risk analysis
  • Monitor customer balances and aging; take action 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
  • Lead, coach, and develop credit team members
Qualifications
  • Bachelor's degree in Finance or related field preferred
  • Credit, Collections, or Accounts Receivable experience (construction industry preferred)
  • Strong analytical and decision-making skills with sound business judgment
  • Excellent communication and relationship-building abilities
  • Ability to manage priorities and perform effectively in a fast-paced environment
  • 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) fundamentals
  • Enterprise and vendor systems proficiency
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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$5,258.34 - $8,408.34

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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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