Credit Risk Contract Jobs in Florida (NOW HIRING)

Location: Jacksonville, FL
Company: TOTE Resources, LLC
Job Type: Full-Time

TOTE Resources is the shared services organization supporting TOTE Group companies, delivering finance, HR, IT, and operational support to maritime and logistics businesses. We partner with operating companies to provide scalable, efficient solutions that drive performance, strengthen financial health, and support mission-critical supply chains.

TOTE Resources is seeking an experienced Credit & Collections Supervisor to lead and optimize the credit and collections function across a diverse portfolio of customers. This role will oversee commercial, military, and government contract receivables, ensuring strong cash flow, effective risk mitigation, and operational excellence.

The ideal candidate brings deep expertise in credit risk management, collections strategy, and team leadership, along with experience in transportation, logistics, or maritime environments.

• Supervise, coach, and develop a team of credit and collections professionals
• Establish performance expectations, monitor KPIs, and drive accountability
• Foster a collaborative, service-oriented, and high-performance team culture

• Manage a diverse receivables portfolio, including commercial, military, and government contract customers
• Evaluate and approve credit applications, set credit limits, and monitor exposure
• Conduct financial analysis to assess customer creditworthiness and risk

• Develop and execute effective collections strategies to reduce past-due balances
• Monitor AR aging and drive improvements in DSO (Days Sales Outstanding)
• Partner with customers and internal stakeholders to resolve billing issues and disputes

• Implement best practices to improve AR processes, controls, and reporting accuracy
• Ensure compliance with internal policies, GAAP standards, and audit requirements
• Support internal and external audits and maintain strong documentation practices

• Collaborate with operations, finance, and commercial teams to align credit strategies with business objectives
• Provide leadership with insights on cash flow, risk trends, and receivables performance
• Act as a key liaison between TOTE Resources and supported operating companies

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field
• 10+ years of credit and collections experience
• 5+ years of supervisory or leadership experience
• Experience managing complex receivables portfolios, including government and contract-based customers
• Background in transportation, logistics, or maritime industries
• Strong knowledge of credit risk assessment, AR processes, and financial analysis
• Experience with ERP systems and financial reporting tools

• Experience in a shared services or multi-entity environment
• Familiarity with government contracts, billing requirements, and compliance considerations
• Professional certification (e.g., CBA, CBF, or similar)
• Advanced Excel and data analysis skills

• Leadership and team development
• Credit risk management and financial acumen
• Strategic thinking and problem-solving
• Process improvement and continuous improvement mindset
• Strong communication and stakeholder partnership
• Results-driven with focus on cash flow optimization

TOTE Resources offers a competitive total rewards package, including:

• Medical, dental, and vision insurance
• 401(k) with company match
• Paid time off (PTO) and company holidays
• Life and disability insurance
• Employee assistance program (EAP)
• Professional development and career growth opportunities

TOTE Resources is an Equal Opportunity Employer - Affirmative Action and a VEVRAA Federal Contractor. We are committed to a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin disability, or status as a protected veteran. TOTE Resources is a drug-free employer and a participant of the E-Verify Employment Verification Program.

TOTE Resources is committed to providing reasonable accommodations to applicants and employees with disabilities. If you require assistance or accommodation during the application or hiring process, please contact the Human Resources team.