Manager - Credit

Titan Machinery is seeking a detail-oriented and relationship-driven Credit Manager to lead our credit operations and play a vital role in our financial and customer service success. In this role, you'll evaluate creditworthiness, manage risk, and ensure timely collections-all while supporting sales teams and building strong, lasting customer relationships.

Evaluate the creditworthiness of new and existing customers using financial analysis, credit reports, trade references, and internal metrics.
• Set and monitor credit limits in line with company policies and risk tolerance.
• Oversee the collections process, ensuring timely and professional communication with customers and internal stakeholders.
• Partner with parts and service departments to proactively manage customer accounts.
• Monitor accounts receivable aging and provide regular reporting to senior leadership.
• Enforce and improve credit policies and procedures to reduce bad debt exposure.
• Negotiate payment plans or settlements when necessary.
• Analyze credit trends and offer insights and recommendations for continuous improvement.
• Support financial audits with accurate documentation and reporting.
• Educate and train internal teams on credit standards, processes, and customer solutions.
• Uphold all safety protocols and contribute to a positive, compliant work environment.
• Perform other duties as assigned.

Required:

• Bachelor's degree in Finance, Accounting, Business Administration, or related field
• 3+ years of experience in credit management or related financial role, preferably in the equipment, construction, or industrial sector
• Strong knowledge of credit principles, financial analysis, and collection procedures
• Proven track record of minimizing bad debt and improving collections metrics
• Proficient in Microsoft Excel
• Ability to handle and resolve frequent interpersonal conflict
• Excellent organizational and problem-solving skills with a keen attention to detail
• Ability to perform in a fast-paced, stressful work environment
• Ability to travel up to 15% of the time and work flexible hours
• Exceptional communication and negotiation skills to liaise with internal teams and external partners
• Ability to respond quickly, accurately, and professionally to demands and requests from customers and employees
• Exemplifies Titan Machinery's Core Values
• Keen attention to detail, high level of initiative, and the ability to work independently

Preferred:

• Experience working in an equipment dealership, leasing, or heavy machinery industry
• Familiarity with lien filings, UCC documentation, and equipment financing terms

Titan Machinery provides a generous total compensation package including the following:

• Comprehensive Health and Dental Coverage

• HSA (Health Savings Account) - up to $1500 tax-free each year, contributed to your account by Titan Machinery
• Additional Voluntary Benefits such as: Vision Insurance, Life Insurance, Short-term disability and more!
• 401(k) with company matching on your FIRST DAY of employment
• Competitive PTO, Bereavement, Paid Volunteer EMT, Paid Firefighter leave plans
• Paid Parental Bonding/Pregnancy-Related Leave
• Performance-based incentives
• View more about our benefits on our Careers website here: https://www.titanmachinery.com/titancareers/careers/benefits
• #TMManagement

Titan reserves the right to adjust compensation based on factors including but not limited to: scope and geography of the position, qualifications and experience of candidates, and other business and operational conditions. Titan Machinery is an Equal Opportunity / Affirmative Action employer: Women, Minorities, the Disabled and Veterans are encouraged to apply.