Credit & Collections Specialist-1 in Huntersville, NC at American Tire Distributors

Date Posted: 4/8/2021

Job Snapshot

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Job Description

We look forward to your application! When applying, please be sure to put your Full Legal First Name and Last Name for legal and processing purposes.

Are you looking for an opportunity to turn your ambition and your people skills into a rewarding career with an industry leader? Join our team at American Tire Distributors! As the nation's premier tire distributor, ATD’s coast-to-coast distribution network provides approximately 80,000 customers across the U.S. and Canada with rapid and frequent delivery of high quality tires, custom wheels and shop supplies. 

Position Description: 

Reporting to the Regional Credit & Collections Manager, the Credit & Collections Specialist will support all aspects of the Credit operations and coordinate the credit and collections of an assigned portfolio of accounts. The Credit & Collections Specialist will be responsible for all credit issues within their assigned Distribution Centers, for reviewing orders on credit hold from assigned Distribution Centers, and for releasing orders within the parameters of the Credit Policies and Procedures. This role must maintain contact with Distribution Centers and customers in the establishment of new accounts, conduct credit analyses, and make credit limit decisions. The Credit & Collections Specialist is also responsible for minimizing customer past due accounts receivables, collecting past due amounts, resolving disputed balances to identify and resolve repetitive payment problems, and mitigating losses due to unreconciled discrepancies and unapproved deductions.

Essential Duties & Responsibilities

Credit Management

  • Manage for all credit and collection issues within assigned Distribution Centers.
  • Review orders on credit hold from assigned Distribution Centers and make credit decisions pertaining to orders on credit hold within the parameters of the Credit Policies and Procedures.
  • Maintain contact with Distribution Centers and customers in the establishment of new accounts and credit limit reviews for existing accounts.
  • Assist the Regional Credit & Collection Manager in monitoring accounts for potential problems and in collections activity for assigned Distribution Centers.
  • Follow up on all information requested or required that would impact the credit decision-making process.
  • Proactively review credit files on accounts that are at/or near their credit limits and forward recommendations to the Regional Credit & Collection Manager.
  • Assist the Regional Credit & Collection Manager in maintaining up-to-date account information (financial statements/security/trade information).
  • Manage assigned portfolio to drive reduction in past due percentages, Days Sales Outstanding (DSO), and Average Days Delinquent (ADD).
  • Make timely and efficient credit decisions when reviewing customers on credit hold.
  • Perform credit analyses, including financial analyses, on new and existing customers.
  • Establish and approval credit limits of up to $25K for new and existing accounts.
  • Interact with customers through direct collection call contact and emails.
  • Coordinate the collection strategy and customer communication with field personnel. 
  • Analyze and manipulate data and spreadsheets to reconcile issues.
  • Identify trends, perform root cause analysis, and implement process improvements to eliminate ongoing customer and internal issues that interfere with prompt payment.
  • Coordinate issue resolution with customers to mitigate losses due to delinquency, irreconcilable discrepancies, and payment application.
  • Document all customer contact and collection efforts within Oracle as well as processes and practices.
  • Leverage Oracle Advanced Collections Module effectively for collection strategies and timely resolution via workflow.

Process Improvement Management

  • Continuously seek to improve payment processing solutions for varying customer payment types, including ACH and accompanying remittance formats.

Direct Report Position Title(s)

  • None



  • Experience: 3 years of experience in high volume commercial credit and/or collections


  • Education: Associates Degree (Business or relevant degree)
  • Certifications: Lean Six Sigma Green Belt
  • Experience: Experience with large ERP systems (e.g., Oracle and/or SAP with workflow tools); Experience with a distribution company

Candidate Skills and Competencies


  • Organizational Finance Policies Compliance and Maintenance
    • Demonstrate awareness and knowledge of the organization's policies.
    • Comply with organizational regulations, policies, and procedures.
    • Keep up to date with most current organizational finance policies.
  • Financial Accounting
    • Complete basic month-end closing activities in a timely, complete, and accurate manner.
    • Exhibit awareness and knowledge of the organization's chart of accounts.
    • Assist with the reconciliation of operational processes underlying financial transactions.
    • Execute basic activities that support general accounting, such as: sales/receivables/collection and purchase/payables/payments.
    • Understand and evaluate basic financial statements to make Credit decisions.
  • Finance
    • Execute basic activities with working capital management, including receivables and payables.
    • Support cash management activities.
  • Data Analysis
    • Demonstrate a basic understanding of metrics and how to find related data.
    • Identify appropriate metrics to assess initiatives and processes.
    • Communicate the rationale behind the collection and use of metrics.
    • Leverage basic tools to generate quality data.
    • Draw insight from basic metrics and share with clients.
    • Understand key metrics used in risk evaluation and Credit decisioning as well as risk mitigation tools.


Additional Details (work environment, specializations, etc.)

  • Physical Demands: While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle or feel objects, tools or controls; reach with hands and arms; climb stairs; balance, stoop, kneel, crouch or crawl; talk, hear, taste and/or smell. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus.
  • Work Environment: Field Support Center

This job description in no way states or implies that these are the only duties to be performed by the employee occupying the position.  Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by their supervisor, subject to reasonable accommodations.  Nothing in this job description creates a contract of employment in any way for any person.   All employees hired by American Tire Distributors, Inc. are employees at will and the company reserves the right to terminate employees at any time for any reason or no reason at all.

Build a challenging and rewarding career with us!

American Tire Distributors is an Equal Opportunity Employer and Drug Free Workplace

Shift Type:
Job ID: R14197