Credit Account Manager

JOB DETAILS:

JOB SUMMARY:

Perform and coordinate the daily credit and collection activities of assigned Empire Southwest customer accounts. Analyze and approve credit for new and existing customers on terms that are   competitive and responsive to the customer’s needs. Minimize bad debt losses without unduly jeopardizing potential sales.

ESSENTIAL FUNCTIONS:

• Authorizes credit approvals for new and existing customers.  
• Assigns credit rating to accounts and monitors for change when required. 
• Works with Credit Manager to modify and/or update existing policies and procedures.
• Assists Sales Department personnel in finalizing machinery sales, leases, rentals, etc.   
• Makes joint customer calls with salespeople to discuss innovative and competitive terms to assist in closing the sale. 
• Attends and sometimes conducts seminars with salespeople to provide input and training to Empire personnel. 
• Attends sales meetings to participate in informal discussions when requested.
• Develops Financing programs for selected major accounts and industry types to ensure that no sale will be lost due to inability to finance the transaction. 
• Visits Job sites as necessary to obtain information for credit approval and/or to follow collateral when necessary.  
• Keeps salespeople informed of account status and new or changed customer information when appropriate.                                                
• Work safely at all times.  Adhere to all applicable safety policies.  Comply with all company policies, procedures, and standards.

ADDITIONAL RESPONSIBILTIES:

• Develops and maintains credit files.
• Provides prompt responses to customer credit needs.
• Collects accounts. Approves extensions or revisions of obligations.
• Recommends major changes in terms of obligation if warranted.
• Computes pay-offs, interest due and delinquent amounts due. 
• Provides assistance to Sales Department.
• Assist Credit Manager. 
• Obtains data and/or prepare various management reports as required.  Identify potential problems and recommend corrective action.
• Work within and promote corporate values.

KNOWLEDGE, SKILLS, AND ABILTIITES:

• Must have interpersonal skills to professionally assist customers and employees in widely varied activities.
• Knowledge of equipment application and marketing.
• Knowledge of and/or experience with commercial credit laws and documentation.
• Must have interpersonal skills to professionally assist customers and employees in widely varied activities.
• Must have strong verbal and written communications skills as required in customer and inter-departmental contact.
• Ability to maintain consistent attendance.

EDUCATION AND EXPERIENCE:

• Proof of high school diploma or General Education Degree (GED).
• Must be able to analyze customer account information to correctly determine credit worthiness.
• Must be able to learn, understand and improve the credit account collection system to efficiently manage credit receivables.
• Must have strong verbal and written communications skills as required in customer and inter-departmental contact.
• Must have general business, finance, credit and/or accounting experience and/or education to perform credit and accounting responsibilities.
• Must have a thorough understanding and working knowledge of Arizona Pre-Lien Laws.
• Previous supervisory experience.
• Must be able to communicate (speak, read, comprehend, write) in English.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• While performing the duties of this job, the employee is regularly required to sit, use hands and talk or hear.
• The employee frequently is required to stand; walk; reach with hands and arms; climb or balance; and stoop and kneel.
• The employee is occasionally required to lift and/or move up to 10 pounds.
• Specific vision abilities required by this job include close vision.
  
  

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• While performing the duties of this job, the employee is occasionally exposed to moving mechanical parts; high, precarious places; and outside weather conditions.
• The employee is occasionally exposed to wet and/or humid conditions, extreme cold, and extreme heat.
• The noise level in the work environment is usually office moderate.