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Credit Manager Jobs in Mobile, AL (NOW HIRING)

Farmers Home Furniture

Credit Manager

Saraland, AL · On-site

... credit operations. * Manages and oversees the activities and operations of the accounts receivable and collection areas. * Reviews and evaluates applications; investigates and verifies financial ...

Farmers Home Furniture

Credit Manager

Saraland, AL

... credit operations. * Manages and oversees the activities and operations of the accounts receivable and collection areas. * Reviews and evaluates applications; investigates and verifies financial ...

Farmers Home Furniture

Credit Manager

Saraland, AL · On-site

... credit operations. * Manages and oversees the activities and operations of the accounts receivable and collection areas. * Reviews and evaluates applications; investigates and verifies financial ...

Farmers Home Furniture

Credit Manager

Saraland, AL · On-site

... credit operations. * Manages and oversees the activities and operations of the accounts receivable and collection areas. * Reviews and evaluates applications; investigates and verifies financial ...

Rent-A-Center

Assistant Manager - Credit

Foley, AL · On-site

$17.50 - $18/hr

Credit Assistant Manager Ready to do your best work? Interested in a minimum starting hourly rate of $17.50 per hour - $18.00 per hour? Why should I apply in just a few clicks? - Paid Time Off and ...

Rent-A-Center

Assistant Manager - Credit

Foley, AL · On-site

$17.50 - $18/hr

A day in the life of a Credit Assistant Manager: - Credit and Collections: Positively impact growth and revenue through communicating with customers and collecting on accounts on a daily basis ...

Rent-A-Center

Assistant Manager - Credit

Foley, AL · On-site

$17.50 - $18/hr

A day in the life of a Credit Assistant Manager: - Credit and Collections: Positively impact growth and revenue through communicating with customers and collecting on accounts on a daily basis ...

22nd State Bank

Sr. Credit Analyst

Mobile, AL · On-site

Job Summary Senior Credit Analyst. The primary responsibility of this position is to help maintain 22nd State Bank's credit quality by preparing detailed credit analyses based on the review of ...

22nd State Bank

Sr. Credit Analyst

Mobile, AL · On-site

Job Summary Senior Credit Analyst. The primary responsibility of this position is to help maintain 22nd State Bank's credit quality by preparing detailed credit analyses based on the review of ...

Company-Private

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Accounts Receivables Manager

Mobile, AL · On-site

$45K - $60K/yr

... Credit Management: · Evaluate and establish credit terms for new customers. · Conduct credit checks and make credit limit recommendations. · Review and update credit policies as necessary. 4. ...

New

New Horizons Credit Union

Be Seen First

Bank Branch Manager

Mobile, AL · On-site

New Horizons Credit Union's history offers a unique story of progress and growth. Our story begins ... Manages employee performance and development by consistently coaching, mentoring, recognizing, and ...

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Credit Manager information

See Mobile, AL salary details

$25.3K

$67.1K

$128K

How much do credit manager jobs pay per year?

As of Aug 29, 2026, the average yearly pay for credit manager in Mobile, AL is $67,139.00, according to ZipRecruiter salary data. Most workers in this role earn between $35,700.00 and $91,800.00 per year, depending on experience, location, and employer.

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 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.

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 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 ensuring timely collections. It often requires strong analytical skills, knowledge of financial regulations, and proficiency with credit management software. The role can offer advancement opportunities and a steady income in various industries such as banking, finance, and retail.

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.
More about Credit Manager jobs

What are the most commonly searched types of Credit jobs in Mobile, AL?

The most popular types of Credit jobs in Mobile, AL are:

What job categories do people searching Credit Manager jobs in Mobile, AL look for?

The top searched job categories for Credit Manager jobs in Mobile, AL are:

What cities near Mobile, AL are hiring for Credit Manager jobs?

Cities near Mobile, AL with the most Credit Manager job openings:

Credit Manager jobs near you
Infographic showing various Credit Manager job openings in Mobile, AL as of August 2026, with employment types broken down into 100% Full Time. Highlights an 95% In-person, and 5% Remote job distribution, with an average salary of $67,139 per year, or $32.3 per hour.

Credit Manager

Saraland, AL • On-site

Farmers Home Furniture

5.7

Company rating: 5.7 out of 10

Based on 15 frontline employees who took The Breakroom Quiz

47th of 63 rated furniture retailers

Respectful managers

Uninterrupted breaks

Learn more about Farmers Home Furnitureexternal

Full-time

Re-posted 8 days ago

Job description

Job Type
Full-time
Description
The purpose of this classification is to perform work functions associated with coordinating, overseeing and managing accounts receivable and collection duties. The person in this position will be responsible for approving or declining and issuing lines of credit to customers; conducting credit investigations; and following proper credit approval procedures that limit losses while growing the store's accounts receivable. This person would also ensure that customers with delinquent accounts are contacted and proper collection procedures are followed.
ESSENTIAL FUNCTIONS
The following duties are normal for this position. The omission of specific statements of the duties does not exclude them from the classification if the work is similar, related, or a logical assignment for this classification. Other duties may be required and assigned.
  • Supervises, directs, and leads assigned staff, processing employee concerns and problems, directing work, , disciplining, and provides general guidance as to attain efficient office and credit operations.
  • Manages and oversees the activities and operations of the accounts receivable and collection areas.
  • Reviews and evaluates applications; investigates and verifies financial status and reputation of prospective customers applying for credit; prepares documents to substantiate findings; recommends rejection or approval of credit applications; establishes credit limitations on customer's account.
  • Contacts customers by telephone and/or text to determine reason for overdue payment, reviewing terms of sales, service, or credit contract with customer in an attempt to gain payment; mails form letters, texts, and/or late charge notices to customers to encourage payment of delinquent accounts; travels to customers' homes to collect on late payments; assists with repossessions of merchandise as necessary; ensures payments are posted to customer's account.
  • Ensures all correspondence and attempted correspondence with customers concerning accounts is properly documented.
  • Reviews and analyzes collection reports to ascertain status of collections and balances outstanding and to evaluate effectiveness of current collection policies and procedures.
  • Reviews delinquent account records to determine which customers must be contacted for collection of overdue accounts; organizes collection workload according to degree and amount of delinquency; determines which accounts to delegate to assigned staff for collection.
  • Prepares paperwork prior to legal action to be initiated against severely late-paying customers; Submits delinquent accounts to attorney or outside agency for collection with prior approval of the Store Manager.
  • Customer files must be stored in a fireproof cabinet and maintained in alphabetical order. Customer files should be filed based on the current status of the account as follows: Active, Paid Out, Charge-Off, Repo, and Bankrupt. These cabinets should be located in an office or other area that is not accessible to the public.
  • In the course of business, as customer files are used in credit approval and customer service capacities, the files should remain in the office area. At no time, should customer files be handled, used, or stored on the sales floor areas.
  • Refers to and follows all other areas of Handling Customer Files and Personal Information Procedure.
  • Responsible for office organization, ensuring that each day's bookkeeping workload including customer files are filed away accordingly by the end of each business day.
  • Implements and uses the company's Bookkeeping Checklist when completing the daily bookkeeping work.
  • All cash receipts must be deposited to the store's bank account in a night deposit bag on the day it is received.
  • If possible, the cash drawer fund should also be left in a bank night depository.
  • Leaves cash drawers empty and open each night.
  • Any time the cash drawer is left unattended, the drawer must be locked and the key removed. The key will remain in the possession of the employee assigned responsibility for that cash drawer by the Store Manager.
  • Refers to and follows all other areas of ARS 15.
  • Collects on returned checks and delinquent accounts.
  • Maintains a work environment free of legally prohibited discriminatory practices and sexual harassment.
  • Completes, prepares, reviews, and/or approves a variety of forms, logs, requests, records, reports, correspondence, and other documents associated with daily responsibilities of this position; oversees maintenance of accurate files and administrative records.
  • Operates a calculator, copy machine, telephone, or other equipment as necessary to complete essential functions.
  • Upholds and promotes our H.O.M.E. values: Helping others, developing Ordinary people to do extraordinary things, being a Motivated owner that cares, and Ensuring that excellence is a habit personally and for those entrusted to them to lead.

ADDITIONAL FUNCTIONS
  • Performs the duties of the Store Manager as required
  • Assists in other store departments as required.
  • Performs other related duties as required.

Requirements
MINIMUM QUALIFICATIONS
High School Diploma or GED required; three (3) years experience in accounting/bookkeeping, loan processing, and/or collections; or any combination of training, experience and education which provides the required knowledge, skills, and abilities for this position. Must possess and maintain a valid State Driver's License.
PERFORMANCE APTITUDES
Data Utilization: Requires the ability to evaluate, audit, deduce, and/or access data using established criteria. Includes exercising discretion in determining actual or probable consequences and in referencing such evaluation to identify and select alternatives.
Human Interaction: Requires the ability to function in a managerial capacity for a division or organizational unit. Includes the ability to make decisions on procedural and technical levels.
Equipment, Machinery, tools, and Materials Utilization: Requires the ability to operate, maneuver and/or control the actions of equipment, machinery, tools, and/or materials used in performing essential functions.
Verbal Aptitude: Requires the ability to utilize a wide variety of reference, descriptive and/or advisory data and information.
Mathematical Aptitude: Requires the ability to perform addition, subtraction, multiplication, and division; the ability to calculate decimals and percentages; the ability to utilize principles of fractions; the ability to interpret graphs.
Functional Reasoning: Requires the ability to interpret instructions furnished in written, oral, diagrammatic, or schedule form; the ability to apply principles of rational systems; and to exercise independent judgment to adopt or modify methods and standards to meet variations in assigned objectives.
Situational Reasoning: Requires the ability to exercise judgment, decisiveness and creativity in situations involving the evaluation of information against sensory, judgmental, or subjective criteria, in addition to that which is clearly measurable or verifiable.
Farmers Furniture is an Equal Opportunity Employer. The Company is committed to maintaining an environment free of harassment and discrimination.
ADA COMPLIANCE
Physical Ability: Tasks require the ability to exert moderate physical effort, though not constant physical effort, typically involving some combination of climbing and balancing, stooping, kneeling, crouching, and crawling, and which may involve some lifting, carrying, pushing and/or pulling of objects and materials of moderate weight (12-50 pounds).
Sensory Requirements: Some tasks require the ability to perceive and discriminate colors or shades of colors, sounds, depth, and visual cues or signals. Some tasks require the ability to communicate orally.
Environmental Factors: Performance of essential functions may require exposure to adverse environmental conditions, such as dirt, dust, temperature extremes, electric currents or toxic agents/chemicals.
Farmers Furniture is an Equal Opportunity Employer. In compliance with the Americans with Disabilities Act, the Company will provide reasonable accommodations to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.

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