Credit Manager - Holman
Holman Enterprises

Job Info

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Holman is a family-owned, global automotive services organization anchored by our deeply rooted core values and principles that have enabled us to continue Driving What's Right throughout the last century. Our teams deliver the Holman Experience by treating our customers and each other as we would like to be treated, and creating positive, rewarding relationships all around.

The automotive markets Holman serves include fleet management and leasing; vehicle fabrication and upfitting; component manufacturing and productivity solutions; powertrain distribution and logistics services; commercial and personal insurance and risk management; and retail automotive sales as one of the largest privately owned dealership groups in the United States.

Holman is currently accepting applications for the role of Credit Manager.

Principal Purpose of Position:

• Assess the creditworthiness of new and existing customers by analyzing financial statements, credit reports, and other relevant information. Ensure integrity and consistency of credit process by managing workflow and credit analysis in accordance with Holman's credit policy.
• Decide credit limits up to $20 million for clients requesting leasing and services, such as fuel and maintenance based on credit quality of clients. Ensure approvals, approvals with enhancements and declines are accurately documented and communicated to Sales.
• Monitor and review customer credit accounts regularly in terms of changes to exposure (i.e. loss given default potential) and clients' credit profile in order to identify risks or opportunities for credit limit adjustments.
• Support with development and oversee implementation of credit risk management strategies and policies. Identify and analyze trends and patterns related to credit risk and provide recommendations to management for an informed decision on credit risk appetite. Outline mitigating measures for potential risks.
• Communicate with customers and prospects to explain credit parameters such as payment and leasing terms, required credit enhancements and other credit related topics. Possess in-depth product knowledge and be able to handle client objections and push-backs.
• Manage/improve the credit process by applying state-of-the-art credit tools and systems. Keep informed and proactively look out for technological improvements (e.g. AI, automation etc.) in the credit industry.
• Actively manage clients on credit watch list and ensure exposure is managed in line with management's risk appetite.
• Prepare concise and accurate reports and manage client databases (i.e. Moody's CreditLens, Salesforce).
• Guide and support credit analysts, focusing on process improvement, training, and compliance, while providing oversight in a supportive capacity to departmental leadership.
• Act as SME (subject matter expert) related to credit risk management and financial analysis proactively providing strategic recommendations, guidance, and insight to credit analysts, departmental staff, Sales team, legal counsel, and senior management.
• Liaise with Senior management on regular basis to discuss critical accounts, bankruptcies, early credit warnings etc.
• Jointly work with internal and external counsel on clients that go through structured refinancing procedures (out of court), Chapter 11 or Chapter 7. Prepare account statements (e.g. pre-petition and post-petition) that can be used by counsel for legal filings. Liaise with internal Vehicle Remarketing team for potential (voluntary or involuntary) asset repossession and remarketing needs.
• Cooperate with legal and contract team to ensure contracts include relevant credit language (based on credit approval).
• Regular meet with Supply Chain and Accounts Receivables Managers to check clients with high level of undelivered assets and/or unpaid invoices.

Education and/or Training:

• Bachelor's degree in Finance, Accounting, or a related field or equivalent work experience
• Additional education, certifications, or other distinctions are a plus
• Proficient in various desktop tools including MS Office Programs (i.e. Outlook, Excel, Word, PowerPoint, Project, Visio, SharePoint etc.)

Relevant Work Experience:

• 3-5+ years' experience, including 2+ at a leadership level
• Demonstrated proficiency in assessing creditworthiness, analyzing financial statements, and conducting credit risk analysis
• Experience with credit policies, approval processes, and the ability to manage credit limits in a B2B (business-to-business) environment
• Knowledge of fleet management industry practices, including leasing, maintenance, and fuel management for fleet vehicles preferred
• Experience in collaborating with legal teams on structured refinancing, bankruptcy cases, and legal filings
• Breadth and depth of technical or functional expertise in own area of responsibility or department; may be acquiring knowledge of other related areas of departments
• Developing and implementing processes, methods, and tools to increase efficiency and accuracy

Planning/Organizing/Managerial Knowledge:

• Ensures that project/department milestones/goals are met and adhering to approved budgets
• Extensive knowledge of department processes
• Works with other leaders to develop a common departmental vision or strategy
• Adapts area/departmental plans and priorities to address business and operational challenges
  • Anticipates future needs and work
  • Promotes efficiencies through process improvements
  • Formulates several possible solutions or courses of action to achieve results
• Identifies and resolves technical, operational and organizational problems
  • Assesses risk and urgency to plan and prioritize work effectively, delegating when appropriate
  • Overcomes obstacles in striving to achieve long-term, positive, sustainable results
• Adjusts quickly to new or changing work environment
  • Remains resilient in the face of challenges, rebounding quickly from setbacks
• Excellent organizational skills and attention to detail
• Excellent time management skills, with a proven ability to meet deadlines
  • Prioritizes projects and resources to align with strategic goals
• Influences or provides input to forecasting and planning resources; may manage allocated budget
• Decisions are guided by policies, procedures and department or business plan; receives guidance from manage

Communicating & Influencing Skills:

• Excellent verbal and written communication skills
  • Responsible and accountable for the communication process
  • Able to clearly articulate the company's vision for the future
  • Communicates departmental vision or strategy in terms of impact on the organization
  • Work with the team to establish a clear mission and goals
• Excellent interpersonal, counseling, negotiation, and customer service skills
  • Actively solicit feedback; share and address; adjust plans as necessary; follow through
  • Breaks down barriers between groups by representing all sides and facilitates information exchanges between them
  • Asks questions to challenge others' thinking and to gain agreement
  • Keeps everyone affected by results well informed about projects
• Anticipates and interprets customer needs to identify solutions
• Strong presentation skills
• Effectively coaches and gives performance feedback own area of responsibility or department
  • Regular and frequent engagement in face-to-face communication
  • Encourages people to try a new process or new ways of completing job requirements
• Interaction with others requires understanding, influencing and supporting people, through applying technical knowledge or rational arguments, aimed at causing action or acceptance by others

#LI-RD1

#LI-Hybrid

At Holman, we exist to provide rewarding careers and better lives for employees and their families. We hire, train, empower, and reward exceptional people. Our journey is guided by our desire to get it right every time and the acknowledgement that we have an opportunity to be better. To be better, we have to do better, and to do better we must know better. That's why we are listening, open to learning new things - about ourselves and each other. We will never stop striving for improved diversity, equity, and inclusion because we are successful together when we feel trusted and supported. It's The Holman Way.

At Holman, your total compensation goes beyond your paycheck. To position you for success and provide a rewarding career and better life for you and your family, Holman is proud to offer you the benefits you deserve; including protection against illness, disability, loss of work, or preparation for retirement. Below is a brief overview of the programs available to full-time employees (programs may vary by country or worker type):

• Health Insurance
• Vision Insurance
• Dental Insurance
• Life and Disability Insurance
• Flexible Spending and Health Savings Accounts
• Employee Assistance Program
• 401(k) plan with Company Match
• Paid Time Off (PTO)
• Paid Holidays, Bereavement, and Jury Duty
• Paid Pregnancy/Parental leave
• Paid Military Leave
• Tuition Reimbursement

Benefits:

Regular Full-Time

We offer excellent benefits including health, vision, dental, life and disability insurance, and 401(k) with company match. Our time off benefits include Paid Time Off (PTO), paid holidays, bereavement, and jury duty. In addition, we offer paid pregnancy and parental leave, and supplemental paid military leave to eligible employees.

Click here for Washington State benefit information.

Temporary or Part-Time

In geographic areas with statutory paid sick leave, part-time and temporary employees will receive a paid sick leave benefit that meets the mandated requirements.

Click here for Washington State benefit information.

Pay:

We offer competitive wages that are commensurate with job-related skills, experience, relevant education or training, and geographic location, starting in the range of $97,450.00 - $141,300.00 USD annually for full time employees. The annual compensation range is comprised of base pay and bonus earnings.

Holman provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

This job has expired.