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:

• Associate's degree, or higher, 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.