The Credit & Collections Specialist is responsible for managing an assigned portfolio of commercial customer accounts from initial credit review and account setup through ongoing credit management, collections, and account maintenance. This position plays a key role in protecting company assets while supporting profitable sales growth through sound credit decisions and exceptional customer service.

The ideal candidate is analytical, customer-focused, and confident making credit decisions while balancing risk management with excellent customer service. Experience in the construction or building materials industry is highly preferred.

Essential Responsibilities

• Review      commercial credit applications and financial information to determine      creditworthiness.
• Establish      appropriate credit limits, payment terms, and account restrictions based      on company policy and risk analysis.
• Set up      new customer accounts and maintain accurate customer records.
• Manage      an assigned portfolio of accounts from onboarding through ongoing credit      management.
• Monitor      account aging, payment trends, credit exposure, and credit limits.
• Place      and release credit holds as necessary while communicating effectively with      customers, sales, and branch personnel.
• Establish      and manage construction project accounts, ensuring all required job      information is obtained.
• Secure      and maintain supplier lien and bond rights by managing preliminary      notices, notices of intent, bond claims, and other required documentation      within statutory deadlines.
• Perform      commercial collections through professional phone calls, emails, and      written correspondence.
• Build      strong working relationships with customers, contractors, and outside      sales representatives to facilitate timely payment and resolve account      issues.
• Investigate      and resolve billing disputes and payment discrepancies by working closely      with Accounts Receivable, branch personnel, and customers.
• Provide      credit references and respond to customer credit inquiries.
• Maintain      thorough documentation of account activity and collection efforts.
• Recommend      adjustments to credit limits and account terms based on changing customer      performance and financial risk.
• Support      month-end collection initiatives and departmental goals.
• Perform      other related duties as assigned.

Qualifications

• Minimum 3 years of commercial credit and collections experience.
• Experience in construction materials, building supply, or commercial construction is      strongly preferred.
• Knowledge of commercial credit principles and financial statement analysis.
• Experience managing business-to-business (B2B) accounts.
• Working knowledge of supplier lien rights, bond claims, and construction payment      practices is preferred.
• Strong negotiation, communication, and customer service skills.
• Excellent organizational skills with the ability to prioritize multiple accounts and      deadlines.
• High attention to detail and strong analytical abilities.
• Proficient with Microsoft Office, particularly Excel and Outlook.
• Experience with ERP/accounting systems is preferred.

Preferred Qualifications

• Experience with construction accounting or building materials ERP systems.
• Familiarity with mechanics lien laws, public works projects, and bond claim      requirements.
• Experience evaluating business credit reports and financial information.

What We're Looking For

The successful candidate will be:

• A      self-starter who takes ownership of their portfolio.
• Comfortable making sound credit decisions.
• Professional and confident communicating with customers at all levels.
• Organized and deadline-driven.
• Able to balance customer relationships with effective risk management.
• A collaborative team player who works well with Sales, Branch Operations,      and Accounts Receivable.

Schedule

• Full-time
• Monday through Friday
• In-office position located in Houston, Texas

We offer a stable, team-oriented environment where you'll have the opportunity to make a direct impact on the company's financial health while building strong relationships with customers and internal teams.