Credit Manager

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 million , requiring strong financial judgment and business partnership.

This position is based in Nashville, TN supporting a multi-state territory that includes Kentucky and Alabama

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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$4,766.67 - $7,625.00 -

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 employer F/M/Disability/Vet/Sexual Orientation/Gender Identity.

Equal Employment Opportunity and Reasonable Accommodation Information