Manager Bad Credit Loans Jobs (NOW HIRING)

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 to400 millionrequiring strong financial judgment and business partnership.

This position is based in Texas, supporting a multi-state territory of the Mid-South US.

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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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