Credit Manager

1 month ago


Laval, Quebec, Canada Holcim Full time
Job Summary

The Credit Manager will play a key role in supporting Credit activities in one market area as designated in their specific role. This includes partnering with the General Manager(s) to help increase the profitability of the Company by working with market area staff to enable them 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.
  • 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. Enables improvements in processes and controls while maintaining alignment and standardization.
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.
Competencies
  • 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.

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