Credit Manager ONS Position Available In Jefferson, Alabama

Post
Credit Manager ONS

Job Category:

Credit

Requisition Number:

CREDI009662

Posting Details

Posted:

April 21, 2025
Full-Time
Locations
Showing 1 location
Birmingham, AL 35222, USA Job Details
Description O’Neal Steel is currently seeking an Credit Manager for our Corporate office in Birmingham, AL.

Position Summary:

Responsible for overseeing the credit granting process. This role is responsible for assisting their team in assessing customer creditworthiness, managing credit limits and terms, reducing bad debt exposure, and ensuring timely collection of receivables to maintain strong cash flow and financial health. The role will perform periodic credit reviews on assigned customers based on customer’s risk profile. Handle complex customer issues which may involve payment analysis, deductions, etc. Manage their team to ensure they have the proper leadership and training, all team members are working to maintain strong KPI’s, and maintain a focus on providing exceptional customer service.

Responsibilities Include But Are Not Limited To:

Develop and enforce the company’s credit policies and procedures.
Provide direction to Credit Analyst(s) and Collection Specialist(s).
Establish and maintain credit exposure for assigned customers or locations up to approval limits – by determining, approving, and reviewing credit exposure to ensure that O’Neal is within acceptable business risk parameters.
Review accounts which may need additional security (such as letter of credit, personal guaranty, lien rights, etc.).
Ensure that all additional security documents such as letters of credit, personal guarantees, lien documents, etc. are adequately safeguarded.
Review requests for extended credit terms in accordance with the company policy and risk appetite.
Resolve payment issues and disputes with customers professionally and efficiently.
Assist team in the release of credit holds upon satisfaction of a customer’s creditworthiness, payment plan, etc.
Submit delinquent customer accounts to third-party collectors or attorneys and monitor such collection efforts.
Approve the write-off of customer accounts which have exhausted reasonable collection efforts in accordance with the Credit Policy.
Ensure that credit analysis/decisions or customer requests are being handled in an expeditious manner.
Work closely with the sales teams and financial leaders to balance commercial objectives with credit risk management.
Develop close contact with customers and O’Neal Sales personnel to maintain good working relations, promote sales growth, and minimize business risk which will require direct contact with customers and Sales personnel and will require periodic customer visits.
Communicate and implement any changes in risk management strategy with direct reports.
Prepare credit risk reports and present recommendations to senior management.
Identify and mitigate potential credit risks through proactive monitoring and analysis.
Ensure compliance with relevant laws and regulations relating to credit and collections.
Direct team in meeting or beating established key performance indicators (KPI’s) and other benchmarks or objectives.
Lead/assist with special projects.
Lead O’Neal Credit meetings and attend credit association meetings.
Embrace LEAN initiatives to seek continuous improvement which will add value for our customers, will lower costs, and will improve efficiencies. Knowledge, skills, and abilities (required for consideration): Above average verbal and written communication, analysis and interpretation, interpersonal, motivation, negotiating, organization, problem solving, judgment and decision making, and coping with difficulties and emergencies, managing multiple priorities
Well versed with personal computer applications (spreadsheet, word processing, etc.)
Conversational English
Concentration and productivity in high pressure situations
Sedentary work, typing, grasping, talking, hearing, and repetitive motions. Not substantially exposed to adverse environmental conditions Credentials and experience: Bachelor’s degree or Associate’s degree in Accounting, Finance, or Business Administration or equivalent experience
Minimum 5 years of Credit or equivalent business experience with increasing levels of responsibility commensurate with responsibilities described above
Strong understanding of credit risk, financial statements, and collection practices. Desirable qualifications (may be learned or earned on the job): JD Edwards/One World
Microsoft Office/Microsoft Dynamics
Cforia Special requirements: Some overnight travel may be required •Upon offer of employment, candidates must pass a criminal background check and drug test.

Benefits:

 O’Neal Steel offers a competitive salary and a comprehensive benefits package including, but not limited to: Health, Vision and Dental Insurance
Work Site Wellness Programs
Health and Dependent Care Flexible Spending Accounts
Short-Term and Long-Term Disability Coverage
Tuition and Health Club Reimbursement
Accidental Death and Dismemberment and Life Insurance
Adoption Assistance
Training and Development Opportunities
401k

About Us:

With more than 100 years in business, O’Neal Steel, an O’Neal Industries affiliate, supplies a wide range of carbon and alloy steel, stainless steel, and aluminum products for companies nationwide. Founded in 1921 and headquartered in Birmingham, Alabama, O’Neal Steel has 18 strategically located distribution centers throughout the country that offer inventory and value-added processing capabilities tailored to market needs, all while providing high levels of customer service. O’Neal Steel’s industry-leading online platform, PRONTO®, provides continuous access to inventory, pricing, ordering, and account management. Qualifications
Education
Preferred Associates or better in Accounting or related field. Bachelors or better in Accounting or related field. Experience
Required
Strong understanding of credit risk, financial statements, and collection practices.
5 years:
Minimum 5 years of Credit or equivalent business experience with increasing levels of responsibility commensurate with responsibilities described above