Credit Manager

1 week ago

Laval, Quebec, Canada Holcim Full time
Job Summary

The Credit Manager will play a crucial role in supporting financial activities in one market area, as designated in their specific role. This position requires partnering with the General Manager(s) to increase the profitability of the Company by working with market area staff to maximize customer revenues while tightly managing risk.

Key Responsibilities
  • Safety: Serve as a role model in the areas of safety, leadership, teamwork, customer focus, and continuous improvement to ensure alignment with the company's vision and critical success factors.
  • Collections: Lead credit & collections activities for their market area in line with Company expectations and in adherence to Credit Policies, including credit approvals, risk management, pursuing timely collections, work-outs of collection problems, negotiating and taking security, litigation, maximizing collections of finance fees, and bankruptcy proceedings.
  • Credit Reporting & Analysis: Process credit approvals, write-offs to bad debt, and resolution of disputes. Evaluate and determine the adequacy of the Bad Debt Reserve, and recommend adjustments as required. Perform ongoing monitoring functions, including monitoring and maintaining appropriate credit limits for established accounts; monitoring local and regional economic conditions as well as customer and industry trends; and monitor continuously the aging of accounts for customers in the market area to ensure adequate actions being taken.
  • Risk Mitigation: Ensure that the appropriate Credit Policy is adhered to, and provide oversight, support, and consultation for their market area(s) for collections, processing credit applications, payment application, and taking the lead on strategic/difficult customer accounts to ensure minimization of risk of credit loss.
  • Automation: Establish and maintain close working relationship with ABS centralized Credit & Collections team to help maximize the performance of that team and ensure the financial services centers achieves targets for collections.
  • Process Management & Improvement: Drive for efficiency and simplification of processes along with the ABS regarding automation and digital transformation. Enable improvements in processes and controls while maintaining alignment and standardization. Drive and lead process improvement plan in each market area.
  • Results/Accountabilities: Enhance the Health & Safety culture of Lafarge by providing visible support of H&S policies/procedures. Establish a Credit service and performance which provides the Company with a competitive advantage in its markets. Manage risk and exposure in accounts receivable at all times by ensuring Credit Policy and best practices compliance. Manage overall credit/collections function and performance of all parties. Ensure all stakeholders are well informed and have information required to perform duties.
Requirements
  • Bachelor's Degree in Business or relevant educational background.
  • Minimum of 5 years' experience in construction credit environment, with progressively positions within the field.
  • Strong analytical skills with an ability to interpret financial information.
  • Proficiency in an ERP system, preferably in SAP.
  • Demonstrated focus on process improvement, preferably with related experience.
  • Ability to influence, develop and maintain strategic relationships.
  • Ability to drive and lead effective change in a complex multi-product line environment.
  • Strong working knowledge of credit principles and best practices.
  • Strong communications skills, including strong ability to deal with both internal and external customers.
  • Ability to work in a fast paced, high volume environment with a requirement to adapt to changing conditions.
  • Analytical, goal driven, customer focused, and business savvy.
  • Must be bilingual in English/French.
Competency Profile
  • Business Acumen.
  • Intellectual Horsepower.
  • Managerial Courage.
  • Organizational Agility.
  • Strategic Thinking.
  • Drive for Results.

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