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Credit Manager - GROWMARK FS Mid-Atlantic - Milford, DE


GROWMARK FS is headquartered in Milford, Delaware with branches in New York, New Jersey, Maryland, Delaware, Pennsylvania, and Virginia. GROWMARK FS has about 450 employees (including seasonal workers) and approximately 13,000 customers. The cooperative does business in seed, agronomy, crop protection, precision agriculture, and custom application. GROWMARK FS is part of the GROWMARK System, an agricultural cooperative serving more than 100,000 customers across North America and Ontario, Canada.




Responsible for providing Agri-Finance leadership, credit administration, and marketing of credit programs as a sales tool.





Supervises, leads, and develops assigned staff through effective planning, coaching, and communicating performance expectations & standards, to achieve maximum growth, profitability and customer satisfaction.





Investigates and verifies financial status and reputation of prospective customers applying for credit, preparing documents to substantiate findings, and recommending rejection or approval of applications


Establishes Credit limitations on consumer accounts and handles special credit arrangements and deviations from standard terms of payment


Investigates fraud cases and facilitates possible legal action and collection for bad checks and delinquent bills.


May submit delinquent accounts to attorney or outside agency for collection


Reviews collection reports to ascertain status of collections and balances outstanding and to evaluate effectiveness of current collection policies and procedures


Audits delinquent accounts considered to be uncollectible to ensure maximum efforts have been taken before assigning bad debt status to account


Coordinates with others, including personnel in company branches to exchange information and update controls


Analyzes applicant’s financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation


Corresponds with or interviews applicant or creditors to resolve questions regarding application information


Approves loan within specified limits or refers loan to a loan committee for approval


Assures timely loan completion and funding activities


Advises management of external factors that may affect lending policies, such as new or revised legislation and regulations.  Recommends and implements appropriate changes to established policies and procedures


Promotes and cross-sells other company products and services as appropriate to customer requirements


Provides loan data to support marketing and sales promotion programs





Follows GROWMARK’s Code of Conduct and Corporate Compliance Program, Environmental Health and Safety, OSHA and DOT policies and procedures, as they apply


Performs all other duties as assigned





Normally requires a Bachelors degree in accounting or finance; or the equivalent thereof, and at least 3 years of accounting or finance related area to demonstrate financial leadership, organization, planning and problem solving skills. 


Prefer an understanding of GROWMARK System credit administration.


Demonstrated essential abilities including business knowledge, collaboration, communication, customer focus, decision making and skill development.


Must have and maintain a valid driver’s license and satisfactory driving record.


Must be able to travel independently and overnight.


Must be able to work extended hours beyond those considered “normal.”


Ability and willingness to participate in required training that may include education on GROWMARK’s policies and procedures and additional training as it relates to the requirements of the position. 



We are an equal opportunity employer, including protected veterans and qualified individuals with disabilities. Employment may be contingent upon receipt of an acceptable and job-related background check, drug test, motor vehicle report, and/or reference check, as applicable and permissible by law.



Nearest Major Market: Delaware

Job Segment: Outside Sales, Marketing Manager, Scientific, Sales, Marketing, Engineering