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Description

We are looking for a skilled Credit & Collections Specialist (with Third-Party Finance Experience)

Position Summary

The Credit & Collections Specialist is responsible for managing the full credit lifecycle and collections process for a high-volume equipment distribution business. This includes direct oversight of credit evaluations, third-party finance coordination, and customer collections. The ideal candidate will have strong experience working with external finance companies (e.g., vendor financing, leasing firms) and be comfortable navigating the complexities of funded equipment sales, customer payments, and dealer financial relationships. This role ensures timely collections of accounts receivable, oversees credit approvals, and manages the coordination between internal sales, finance, and external finance companies to support customer credit solutions.

Key Responsibilities

+ Evaluate and approve customer credit applications, set credit limits, and monitor credit exposure across the portfolio.

+ Maintain and manage relationships with third-party finance companies to support customer financing, ensure timely funding, and resolve any payment discrepancies.

+ Oversee and execute collections strategy for aging receivables, including direct customer outreach and dispute resolution.

+ Coordinate with Sales and Operations to resolve customer issues that delay payment.

+ Work cross-functionally to support lease/loan settlements, dealer financing programs, and financing promotions.

+ Track and reconcile funding received from finance partners; escalate delays or errors as needed.

+ Develop and report on KPIs for DSO, aging buckets, bad debt write-offs, and effectiveness of collection.

+ Maintain documentation and SOPs for credit and collections procedures.

+ Support audits by providing credit files, finance contracts, collection notes, and reconciliations.

+ Provide leadership and guidance to AR staff (if applicable), ensuring adherence to policy and continuous process improvement.

Credit Management

+ Review and approve credit applications, analyze financial statements, and assign credit limits for dealers and customers.

+ Monitor customer credit exposure and recommend adjustments based on payment performance and financial risk.

+ Maintain internal credit scoring models and documentation.

Third-Party Finance Coordination

+ Serve as the primary liaison between the company and external finance partners.

+ Manage end-of-the-end financing process, including quote approvals, documentation review, and funding follow-up.

+ Track finance company payments and reconcile with sales and AR records; resolve short-pays, delays, or misapplications.

+ Coordinate with Sales and Order Processing teams to ensure correct finance terms and paperwork submission.

Requirements

Qualifications

+ Bachelor’s degree in accounting, Finance, or Business Administration (or equivalent experience).

+ 5+ years of credit and collections experience, with at least 2 years working directly with third-party financing companies.

+ Experience with equipment financing, dealer/distributor finance programs, or retail installment financing is highly preferred.

+ Strong understanding of credit analysis, financial risk, and receivables management.

+ Proficient in ERP systems (Acumatica, or similar) and Excel.

+ Excellent communication, negotiation, and problem-solving skills.

+ Highly organized, self-directed, and able to manage competing priorities.

Preferred Skills

+ Experience with UCC filings, financing contracts, or credit insurance, secured transactions in a commercial finance context

+ Familiarity with customer portal funding tools or dealer financing platforms.

+ Exposure to tax implications of financed sales (e.g., taxability on lease vs sale).

+ Familiarity with distributor financing programs such as floor plans, captive finance, or vendor-supported leasing.

+ Experience working with sales, order fulfillment, and customer service to manage customer accounts holistically.

Robert Half is the world’s first and largest specialized talent solutions firm that connects highly qualified job seekers to opportunities at great companies. We offer contract, temporary and permanent placement solutions for finance and accounting, technology, marketing and creative, legal, and administrative and customer support roles.

Robert Half works to put you in the best position to succeed. We provide access to top jobs, competitive compensation and benefits, and free online training. Stay on top of every opportunity - whenever you choose - even on the go. Download the Robert Half app (https://www.roberthalf.com/us/en/mobile-app) and get 1-tap apply, notifications of AI-matched jobs, and much more.

All applicants applying for U.S. job openings must be legally authorized to work in the United States. Benefits are available to contract/temporary professionals, including medical, vision, dental, and life and disability insurance. Hired contract/temporary professionals are also eligible to enroll in our company 401(k) plan. Visit roberthalf.gobenefits.net for more information.

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