April 22 , 2026

Director of Credit and Finance

Kirby-Smith Machinery, Inc. - Oklahoma City, OK

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Kirby-Smith Machinery, Inc. is a leading distributor of heavy equipment and cranes across the central United States. Since 1983, the company has built a strong reputation serving the construction, mining, and industrial markets.

Headquartered in Oklahoma City, Kirby-Smith operates a robust network of full-service branches in Tulsa, McAlester, Kansas City, St. Louis, Dallas, Fort Worth, Abilene, Amarillo, Odessa, Lubbock, and Waco. The company provides a comprehensive, full-service offering across its Crane, Heavy Equipment, and Industrial Equipment divisions, including equipment sales, rentals, parts, service, financing, product support, and training. As the authorized Komatsu dealer for Oklahoma, North Texas, and West Texas, Kirby-Smith sells, leases, and rents the full Komatsu product line. Kirby-Smith maintains relationships with more than 30 leading manufacturers, allowing them to deliver tailored equipment solutions to a diverse customer base.

POSITION
Provides strategic leadership and unified oversight of Kirby-Smith Machinery’s Trade Credit and Retail Finance functions. Aligns credit risk management and customer financing strategies with company growth objectives while safeguarding company assets, minimizing financial exposure, and establishing enterprise-wide credit governance and portfolio oversight. 

Essential Functions: 
⋅ Communicates and supports the Kirby Smith vision and core values of One Mission, One Team, One Plan, One Goal
⋅ Aligns credit and financing strategies with company sales growth objectives while maintaining disciplined risk 
management
⋅ Advises executive leadership on portfolio exposure, financing strategy, and risk mitigation
⋅ Develops and enforces company-wide credit and financing policies
⋅ Oversee trade credit approvals, underwriting standards, collections strategy, and Accounts Receivable performance
⋅ Approves high-level credit limits and complex exposure decisions
⋅ Monitors portfolio concentration risk, rental exposure, and aging trends
⋅ Oversees third-party collections, write-offs, and legal recovery actions
⋅ Leads Retail Finance operations to ensure competitive, compliant, and timely financing solutions
⋅ Serves as an escalation point for complex finance structures and financially stressed customers
⋅ Develops and maintains strategic lender relationships and negotiates program terms
⋅ Monitors funding pipelines and total customer exposure risk
⋅ Implements performance dashboards and KPIs for credit and finance operations
⋅ Establishes enterprise credit risk framework and ensures compliance with regulations and internal controls
⋅ Develops executive reporting on portfolio health, funding activity, and financial stress indicators
⋅ Drives modernization and automation of credit and finance workflows
⋅ Standardizes policies and strengthens leadership bench within the department 
⋅ Consistent and reliable on-site attendance
⋅ Performs other job-related duties as assigned

Minimum Qualifications: 
⋅ Bachelor’s degree in Finance, Accounting, Business Administration, or related field required
⋅ 8 years of progressive experience in commercial credit, equipment finance, banking, or financial services
⋅ Minimum 5 years of management experience, including managing managers
⋅ Strong knowledge of credit underwriting, collections strategy, equipment financing structures, and portfolio risk management
⋅ Experience partnering with Sales leadership to support revenue growth while managing risk
⋅ Proficiency in Microsoft Office, ERP systems, CRM platforms, and financial reporting tools
⋅ Strong analytical, negotiation, and executive communication skill

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For more information, or to submit your resume, please reach out to: 

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Todd Elder, todd@t-elder.com

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