Credit Manager Jobs in South Carolina

ABOUT THE JOB

The Credit Manager plays an important leadership role at Helena, partnering with sales and business leaders to support profitable growth while protecting the company's financial integrity. This position leads a collaborative credit function, provides sound guidance on complex credit decisions, and builds trusted relationships rooted in accountability and service. It's an opportunity for a people‑focused leader to make a meaningful impact across the organization.

WHAT YOUR DAY WILL LOOK LIKE

• Manages and trains the Credit Team, which includes an Assistant Credit Manager, two Credit Analysts, and a Credit Administrator.
• Implements Helena's credit policy and conducts training to support consistent application across the division.
• Analyzes, develops, and initiates action on complex credit situations.
• Reviews and approves credit requests up to $1 million submitted by branch locations and processed by the Credit Team.
• Reviews, processes, and submits credit requests over $1 million to the Division Manager, Business Unit Vice President, and Director of Credit for approval.
• Evaluates and analyzes customer credit risk to determine appropriate credit limits.
• Communicates credit decisions and approved limits to branch and location teams.
• Monitors receivables and collection activity on a regular basis using Power BI, Orbit, and Oracle.
• Identifies problem accounts and communicates with sales teams and customers to resolve issues.
• Conducts annual reviews and adjustments of customer credit lines.
• Reviews requests for credit line increases when limits are met or exceeded.
• Suspends or revokes credit lines when financial information indicates increased credit risk.
• Communicates directly with customers to obtain additional financial or credit information to support credit decisions.
• Reviews and processes requests for extended terms and lending partner arrangements and forwards recommendations to the Division Manager for concurrence.
• Notifies sales branches of credit decisions in a timely manner.
• Maintains complete documentation of credit decisions and supporting materials in electronic credit files and the Oracle Credit Management system.
• Reviews and approves credit-related adjustments and exception documents.
• Maintains records related to bad debt write-offs and bad debt recoveries.
• Negotiates repayment arrangements with delinquent customers.
• Travels periodically with sales personnel to meet with customers regarding credit lines, credit information, and to better understand farming operations or agribusinesses, including collection of delinquent accounts.
• Identifies accounts for placement with collection agencies or legal counsel and coordinates next steps.
• Coordinates collections activity with third-party lending partners.
• Reviews prepayment lines exceeding $500,000 and submits them to the Director of Credit for approval.
• Establishes and approves prepayment lines up to $500,000.
• Provides periodic updates on receivables quality to the Business Unit Vice President and Division Managers.
• Maintains active membership in NACM and attends periodic meetings to support ongoing communication and exchange of credit information.
• May be required to drive a company vehicle.
• Provides excellent customer service to all internal and external customers.
• Other work-related duties as assigned by your leader.
• Regular and reliable attendance is required.
• Follows all company policies and procedures.

EDUCATION & EXPERIENCE

• Bachelor's degree in finance, accounting, business or related field is required.
• Five years of credit experience is required.
• Ability to manage a portfolio of accounts through monitoring credit limits and account aging information taking appropriate action when necessary is required.

SKILLS & QUALIFICATIONS

• Working knowledge of accounting and financial concepts.
• Negotiation skills.
• Computer skills including working knowledge of Microsoft Office are required. Proficient in creating pivot tables and manipulating data to achieve business objectives.
• Working knowledge of Business Intelligence software such as Orbit, Power BI, Oracle and electronic credit files is preferred.
• Previous supervisory experience is preferred.
• NACM or CCE designation is preferred.
• Ability to read, write and speak in English is required.
• Communicating in Spanish is a valuable skill at Helena.
• Travel by various means up to 10% of the time is required.
• Valid U.S. driver's license is required to drive a company vehicle. Must be able to meet all company requirements to drive a Helena vehicle.

Successful completion of a drug test and background check is required for all positions at Helena.

BEING A LEADER AT HELENA

At Helena, our leaders are expected to demonstrate the same qualities that we value in our employees - integrity, passion and accountability. In this leadership role, you will be responsible for overseeing other team members. This includes carrying out leadership responsibilities such as interviewing, hiring, training and coaching employees; planning, assigning and directing work; appraising performance; rewarding and disciplining employees and addressing complaints and resolving problems by following all of Helena's policies, procedures and applicable laws.

WORK ENVIRONMENT & PHYSICAL ASPECTS OF THE JOB

The work environment for this position is that of a typical office environment where the noise level is mostly quiet. This position requires you to use your hands for many different tasks and to talk, hear, walk, stand and sit. You may be occasionally required to lift or move up to 10 pounds.

BENEFITS AT HELENA

• Health, Dental & Vision Insurance STARTS THE SAME DAY YOU DO!
• Earn up to $3,000 in Reward Dollars from Helena for your Health Savings Account (HSA).
• Helena's robust 401(k) Savings Plan offers you a 100% company-match up to 5% starting on your first day. As your years of service with Helena increase, so does our company-match - up to 10% based on your contribution amount.
• Three-year vesting on company-match with 1,000 hours of service
• Access your earned pay between paydays through Earned Wage Access (EWA) with DailyPay.
• Up to 15 days paid time-off plus 9 paid holidays.
• Free Term Life Insurance at 1x your annual base pay - paid for by Helena at no cost to you.
• Free Short & Long-Term Disability.
• Up to four weeks of paid Parental Leave.
• Education Assistance.
• And much more!

For more detailed information about our benefits, visit helenacareers.com/benefits.

STAY CONNECTED TO THE HELENA POWERHOUSE! Follow us on social @HelenaCareers or visit us at helenacareers.com.

Helena supports individuals with disabilities, and reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions. Helena is an equal opportunity employer.