Sr. Credit Manager

MODE Global is the 5th largest truckload broker and largest non-asset intermodal provider in North America. With over 200 agents/offices distributed from coast to coast, MODE Global operates under a family of businesses and brands, delivering as a premier full-service solutions provider to the logistics industry.

Job Title: Credit Sr Manager
Location: Dallas, TX
Reports To: VP Shared Services 

Job Summary:

The Credit Manager will oversee the entire credit-granting process, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers. This role requires a combination of financial analysis skills, customer management, and strong organizational capabilities. The Credit Manager works closely with the sales, finance, and operations teams to ensure optimal credit terms are extended while mitigating credit risk for a $1-3B portfolio.

Key Responsibilities:
•    Credit Policy Development:
o    Develop, implement, and monitor credit policies and procedures in accordance with company goals and financial regulations.
o    Continuously review and update credit policies to align with changing market conditions and company objectives.
•    Credit Risk Assessment:
o    Evaluate the creditworthiness of customers using financial analysis, credit scores, and other risk assessment tools such as D&B, Credit Risk Monitoring, Experian
o    Analyze financial statements, credit reports, and other relevant information to make informed credit decisions.
o    Establish credit limits and payment terms for customers based on risk assessments.
•    Customer Relationship Management:
o    Liaise with sales teams and customers to manage credit limits, resolve disputes, and negotiate terms when necessary.
o    Maintain and strengthen relationships with key clients to foster long-term business partnerships.
•    Reporting and Compliance:
o    Prepare regular reports on credit status, overdue accounts, and key metrics such as DSO (Days Sales Outstanding) and bad debt levels.
o    Ensure compliance with relevant laws, credit regulations, and company policies.
o    Collaborate with internal and external auditors on credit-related matters.
•    Team Leadership:
o    Supervise and mentor a team of credit analysts or assistants, providing guidance on credit evaluation processes and customer communication.
o    Conduct performance reviews and support the team’s professional development.
 

Required Qualifications:
•    Bachelor’s degree in Finance, Accounting, Business Administration, or equivalent experience. A master’s degree or professional certification (e.g., Certified Credit Executive, CFA) is a plus.
•    Proven experience as a Credit Manager or in a similar role within a financial institution or large corporation.
•    Strong knowledge of credit risk management, financial analysis, and industry-specific regulations.
•    Proficiency in financial software, ERP systems, and Microsoft Office Suite, particularly Excel.
•    Excellent analytical, communication, and negotiation skills.
•    Ability to work under pressure, prioritize tasks, and manage multiple responsibilities effectively.

Desired Skills:
•    Familiarity with credit scoring systems and risk assessment tools.
•    Strong leadership skills and ability to work cross-functionally.
•    Problem-solving mindset and attention to detail.
•    Experience with international credit and multi-currency accounts is an asset.

Working Conditions:
•    Office environment with potential for occasional travel to meet with clients or attend industry conferences.
•    Full-time position, with occasional extended hours depending on deadlines or project needs.

At MODE, we’re dedicated to providing our employees with a working environment where they can flourish professionally and personally. You can expect an inclusive and supportive workplace where people help each other succeed. Our benefits package is exceptional, including medical, dental, and vision with flexible time off policies. We believe in the future of our employees, so we offer a generous match to your 401k plan. With locations all across the United States, you can join us in providing transportation and logistics solutions to our customers.

MODE Global is an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.