Construction Credit & Collections Specialist

About BlackOx Capital

BlackOx Capital provides cash acceleration services to construction-related businesses dealing with slow-paying invoices and aging receivables.

We help companies improve collection activity, strengthen follow-up discipline, identify payment barriers, and recover cash without damaging customer relationships. We are not a traditional collection agency. We operate as an extension of the client's accounting and finance team.

Our target market includes construction suppliers, distributors, specialty trade companies, and related businesses. Experience with building material suppliers is highly valued, but not required.

Role Summary

The Construction Credit & Collections Specialist is responsible for working active receivables accounts, contacting customers, identifying reasons for nonpayment, documenting account activity, and helping move invoices toward resolution.

This role requires professional communication, account follow-up discipline, and knowledge of construction-related payment processes. The ideal candidate understands that construction collections require accuracy, timing, documentation, and relationship management.

This role is not about aggressive collections. It is about structured, professional, persistent follow-up that helps clients get paid while protecting commercial relationships.

Key Responsibilities

• Contact customers by phone and email regarding outstanding invoices, past-due balances, missing payments, and payment status.
• Review aging reports, invoice records, account notes, customer statements, and payment history.
• Identify reasons for delayed payment, including missing documentation, disputes, approval delays, job-related issues, billing errors, or cash flow timing.
• Document all customer communication and follow-up activity accurately.
• Secure payment commitments, estimated payment dates, remittance details, and next steps.
• Escalate high-risk accounts, disputes, or non-responsive customers to internal leadership.
• Work with client accounting teams to confirm invoice status, supporting documentation, payment application, and account history.
• Support construction-related recovery activity involving project billing, retainage, lien timing, pay applications, change orders, and job-level documentation.
• Maintain professionalism and relationship-first communication in all customer interactions.
• Prioritize accounts based on age, amount, risk, customer history, and recovery opportunity.
• Prepare account summaries and updates for internal teams and clients.
• Help reduce aged receivables and improve payment velocity across assigned portfolios.
• Coordinate with Credit Analysts, AR Operations Coordinators, and Client
• Success Managers.
• Identify recurring payment issues and recommend workflow improvements.
• Protect client confidentiality and handle sensitive financial information appropriately.

Required Qualifications

• Minimum 2 years of experience in collections, accounts receivable, credit, billing, customer account management, construction administration, or related work.
• Experience working with construction-related companies, contractors, suppliers, distributors, or project-based billing.
• Strong understanding of invoice follow-up, payment commitments, account documentation, and customer communication.
• Professional phone and email communication skills.
• Ability to manage difficult conversations respectfully and effectively.
• Strong organizational skills and attention to detail.
• Comfortable using spreadsheets, CRMs, accounting systems, and email tools.
• Ability to review account history, invoice status, and payment notes.
• Strong follow-up discipline.
• Ability to work independently and as part of a team.

Preferred Qualifications

• Experience with building material suppliers is preferred but not required.
• Experience in construction credit, supplier collections, contractor payment follow-up, or commercial AR recovery.
• Familiarity with lien rights, lien waivers, retainage, pay applications, purchase orders, job numbers, and contractor payment cycles.
• Experience working with CFOs, controllers, credit managers, or accounting departments.
• Knowledge of ERP or construction accounting systems.
• Experience handling business-to-business collections in a professional setting.

Core Competencies

• Professional persistence.
• Construction receivables knowledge.
• Customer communication.
• Account documentation.
• Problem-solving.
• Relationship management.
• Prioritization.
• Detail orientation.
• Confidentiality.
• Escalation judgment.

Work Environment

This is a hybrid role requiring 2–3 days per week in office. The role involves phone work, email follow-up, account documentation, invoice review, client coordination, and regular reporting.

The Construction Credit & Collections Specialist must be comfortable balancing urgency with professionalism.

Benefits

• BlackOx Capital offers market-common benefits consistent with professional roles in the Seattle area, including:
• Medical, dental, and vision insurance.
• Flexible PTO.
• Paid holidays.
• Hybrid work schedule. 401(k) plan or retirement benefit access.
• Laptop and work tools.
• Professional development support.
• Twice-yearly performance bonus eligibility.
• Phone or technology stipend where applicable.

Equal Opportunity Statement

BlackOx Capital is an equal opportunity employer. We encourage candidates with construction, credit, collections, supplier, accounting, and commercial AR experience to apply.