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Dealer Credit Manager Jobs (NOW HIRING)

Sonance

Credit Manager

San Clemente, CA · On-site

$100K - $120K/yr

Dealer, Distributor & International Programs * Manage dealer and distributor credit programs, supporting both domestic and international distributors. * Review distributor inventory and payment ...

SONANCE

Credit Manager

San Clemente, CA · On-site

Dealer, Distributor & International Programs * Manage dealer and distributor credit programs, supporting both domestic and international distributors. * Review distributor inventory and payment ...

Sonance

Credit Manager

San Clemente, CA · On-site

Dealer, Distributor & International Programs * Manage dealer and distributor credit programs, supporting both domestic and international distributors. * Review distributor inventory and payment ...

Dana Innovations Inc

Credit Manager

San Clemente, CA · On-site

Dealer, Distributor & International Programs * Manage dealer and distributor credit programs, supporting both domestic and international distributors. * Review distributor inventory and payment ...

Huntington

Auto Finance Credit Manager

Columbus, OH · On-site

The Auto Finance Regional Area Credit Manager oversees all credit operations for auto dealer originated (indirect) consumer loans for multiple geographic markets. Duties and Responsibilities:

Huntington

Auto Finance Credit Manager

Cleveland, OH · On-site

$93K - $189K/yr

Oversees all credit decisions, and personally handles the most complex loans. Develops and ... Dealer Management - develops and maintains business in the market territories through dealer ...

Huntington

Auto Finance Credit Manager

Detroit, MI

$93K - $189K/yr

Dealer Management - develops and maintains business in the market territories through dealer ... Oversees all credit decisions for assigned markets. * Responsible for monitoring portfolio ...

Huntington

Auto Finance Credit Manager

Akron, OH · On-site

$93K - $189K/yr

Dealer Management - develops and maintains business in the market territories through dealer ... Oversees all credit decisions for assigned markets. * Responsible for monitoring portfolio ...

Huntington

Auto Finance Credit Manager

Erie, PA · On-site

$93K - $189K/yr

Dealer Management - develops and maintains business in the market territories through dealer ... Oversees all credit decisions for assigned markets. * Responsible for monitoring portfolio ...

Huntington

Auto Finance Credit Manager

Columbus, OH

$93K - $189K/yr

Dealer Management - develops and maintains business in the market territories through dealer ... Oversees all credit decisions for assigned markets. * Responsible for monitoring portfolio ...

Huntington

Auto Finance Credit Manager

Akron, OH

$93K - $189K/yr

Dealer Management - develops and maintains business in the market territories through dealer ... Oversees all credit decisions for assigned markets. * Responsible for monitoring portfolio ...

Huntington

Auto Finance Credit Manager

Cleveland, OH

$93K - $189K/yr

Dealer Management - develops and maintains business in the market territories through dealer ... Oversees all credit decisions for assigned markets. * Responsible for monitoring portfolio ...

Huntington

Auto Finance Credit Manager

Cleveland, OH · On-site

$93K - $189K/yr

Dealer Management - develops and maintains business in the market territories through dealer ... Oversees all credit decisions for assigned markets. * Responsible for monitoring portfolio ...

Huntington

Auto Finance Credit Manager

Cincinnati, OH · On-site

$93K - $189K/yr

Dealer Management - develops and maintains business in the market territories through dealer ... Oversees all credit decisions for assigned markets. * Responsible for monitoring portfolio ...

Huntington

Auto Finance Credit Manager

Columbus, OH · On-site

$93K - $189K/yr

Dealer Management - develops and maintains business in the market territories through dealer ... Oversees all credit decisions for assigned markets. * Responsible for monitoring portfolio ...

Huntington

Auto Finance Credit Manager

Detroit, MI

$93K - $189K/yr

Dealer Management - develops and maintains business in the market territories through dealer ... Oversees all credit decisions for assigned markets. * Responsible for monitoring portfolio ...

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Dealer Credit Manager information

See salary details

$25.5K

$67.7K

$129K

How much do dealer credit manager jobs pay per year?

As of Sep 13, 2026, the average yearly pay for dealer credit manager in the United States is $67,658.00, according to ZipRecruiter salary data. Most workers in this role earn between $36,000.00 and $92,500.00 per year, depending on experience, location, and employer.

What is a dealer credit manager?

Dealer Credit Managers are professionals responsible for overseeing the credit and financing activities between a company and its network of dealers or distributors. They assess creditworthiness, set credit limits, and ensure that dealers adhere to payment terms to minimize financial risk. Dealer Credit Managers also work closely with sales, finance, and legal teams to resolve disputes, collect overdue payments, and support business growth while safeguarding company assets.

How does a dealer credit manager typically collaborate with sales and finance teams to manage dealer credit risk?

As a Dealer Credit Manager, you will regularly work with both the sales and finance teams to evaluate and monitor dealer creditworthiness. This involves reviewing credit applications, analyzing financial statements, and setting appropriate credit limits. You’ll also participate in meetings to discuss high-risk accounts, develop solutions for overdue payments, and ensure that credit policies align with overall business objectives. Effective communication and negotiation skills are essential, as you’ll often need to balance risk management with supporting sales growth.

What are the key skills and qualifications needed to thrive as a dealer credit manager, and why are they important?

To thrive as a Dealer Credit Manager, you need strong analytical skills, financial acumen, and a background in finance or business, often supported by a bachelor’s degree and experience in credit management. Proficiency with credit management software, financial analysis tools, and ERP systems is typically required, along with familiarity with industry regulations. Excellent negotiation, communication, and decision-making abilities help you build productive dealer relationships and manage credit risks effectively. These skills are crucial for making sound credit decisions, minimizing financial risk, and supporting profitable business growth.

What is the difference between Dealer Credit Manager vs Credit Analyst?

AspectDealer Credit ManagerCredit Analyst
CredentialsTypically requires a bachelor's degree in finance, accounting, or related field; certifications like CAMS or CPA are a plusUsually holds a bachelor's degree in finance, economics, or accounting; certifications like CFA or CPA are common
Work EnvironmentWorks in automotive or equipment dealerships, managing credit approval processesWorks in banks, financial institutions, or corporate settings analyzing credit data
Employer & IndustryAutomotive, equipment, or retail dealershipsFinancial institutions, banks, or corporate finance departments

The Dealer Credit Manager and Credit Analyst roles both require finance knowledge and analytical skills. While the Dealer Credit Manager focuses on approving credit for dealership customers, the Credit Analyst assesses creditworthiness for lending decisions in financial institutions. Both roles involve credit evaluation but differ mainly in industry focus and specific responsibilities.

What states have the most Dealer Credit Manager jobs?

States with the most job openings for Dealer Credit Manager jobs include:

What are popular job titles related to Dealer Credit Manager jobs?

For Dealer Credit Manager jobs, the most frequently searched job titles are:

Infographic showing various Dealer Credit Manager job openings in the United States as of September 2026, with employment types broken down into 87% Full Time, 12% Part Time, and 1% Contract. Highlights an 79% Physical, 2% Hybrid, and 19% Remote job distribution, with an average salary of $67,658 per year, or $32.5 per hour.

Credit Manager

San Clemente, CA • On-site

Sonance
Manufacturing • 11 - 50 employees
Learn more about Sonanceexternal

$100K - $120K/yr

Full-time

Re-posted 17 days ago

Job description

Position Title: Credit Manager
Department: Finance - Accounts Receivable & Credit
Reports to: Assistant Controller
Location: San Clemente, CA
Job Description
The Credit Manager leads Sonance's global Accounts Receivable, Credit, Collections, Cash Application, and Order-to-Cash operations. This role is responsible for evaluating customer creditworthiness, establishing and enforcing credit and collection policies, and managing the full accounts receivable cycle. Working closely with the Assistant Controller, CFO, and cross-functional partners in Sales, Operations, and Customer Service, the Credit Manager monitors the aging of accounts, manages the bad debt reserve, and ensures the timely collection of outstanding balances. As the primary point of contact for credit-related decisions, the Credit Manager plays a key role in protecting and strengthening the financial health of the company.
Key Responsibilities
Credit Evaluation & Risk Management
  • Evaluate new and existing customers for creditworthiness and approve credit decisions; assign appropriate credit terms and credit limits in accordance with company policy.
  • Establish and maintain credit policies, payment terms, and credit limits, ensuring all orders comply with company credit and collection policy.
  • Monitor and manage credit exposure across the customer portfolio, including international credit risk and export documentation requirements.

Collections & Accounts Receivable
  • Manage the end-to-end collections process, maintaining regular contact with customers and verifying the status of outstanding payments.
  • Monitor AR aging, DSO, CEI, bad debt, and overall collection performance, driving corrective action where needed.
  • Resolve customer disputes and partner with Sales to accelerate collections and improve cash flow.
  • Assign accounts to outside collection agencies as needed, with Assistant Controller approval.
  • Work with the Assistant Controller to calculate DSO and manage bad debt and the bad debt reserve.

Cash Application & Reconciliation
  • Oversee daily posting of cash receipts; reconcile accounts and resolve discrepancies in a timely manner.
  • Support month-end close, including reconciliations, write-offs, and related journal activity.

Reporting & Cash Forecasting
  • Generate daily and monthly reports for the Assistant Controller and CFO on the status of past-due accounts.
  • Forecast cash collections and provide executive-level KPI reporting on AR and credit performance.

Dealer, Distributor & International Programs
  • Manage dealer and distributor credit programs, supporting both domestic and international distributors.
  • Review distributor inventory and payment trends to inform credit and collection strategy.
  • Coordinate the resolution of rebate, deduction, and pricing disputes.
  • Partner with Logistics and Supply Chain on order releases and credit holds.

Process, Systems & Compliance
  • Ensure internal control compliance across all AR and credit processes.
  • Drive ERP, reporting, and process automation improvements to increase efficiency and accuracy.

Team Leadership
  • Lead, develop, and mentor the AR/Credit team, driving results and maintaining accountability across the credit function.

Key Performance Indicators
  • Days Sales Outstanding (DSO) • Collection Effectiveness Index (CEI)
  • Current AR % • 90+ Day Aging
  • Bad Debt % • Cash Forecast Accuracy
  • Dispute Resolution Cycle Time

Ideal Team Member
  • Hungry, Humble, and Smart - embodies the Sonance team culture
  • Strategic thinker with the ability to execute tactically
  • Entrepreneurial mindset with a competitive drive to win
  • High integrity, trustworthiness, and a commitment to doing the right thing
  • Resilient and composed under pressure
  • Inspiring leader who motivates others through action & vision

Requirements
Qualifications & Skills
Experience:
  • Bachelor's degree in Finance, Accounting, or Business (or a related field).
  • 10+ years of progressive experience in Credit/Collections/Accounts Receivable, including credit risk evaluation, DSO management, bad debt management, and AR reconciliation.
  • Prior experience leading or developing a team preferred.
  • Prior collections experience in the audio electronics or consumer electronics field a plus.

Technical Skills:
  • Experience with ERP systems (e.g., PeopleSoft, Oracle, EPICOR, SAP, NETSUITE).
  • Advanced Excel skills; Power BI and CLAUDE AI experience.
  • Solid financial acumen across credit risk evaluation, DSO calculation, bad debt management, and accounts receivable reconciliation.

Core Competencies:
  • Communication - Strong verbal and written communication skills; able to maintain professional relationships with customers and internal stakeholders throughout the collections process.
  • Leadership - Strong managerial skills with the ability to drive results, maintain accountability, and develop a high-performing team.
  • Analytical - Strong analytical skills with the ability to interpret AR data, identify trends, and make sound credit decisions.

Sonance is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment where innovation thrives through authentic partnerships.
Salary Description
$100,000 - $120,000

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