Credit Manager Jobs

About The Position

Requirements

• Bachelor’s degree.
• 10 years of relevant experience in commercial credit, commercial underwriting, merchant acquiring, commercial payments, portfolio risk management, or a related financial services discipline.

Nice To Haves

• Experience underwriting complex commercial credit or payment exposures using financial statements, bank statements, tax returns, bureau information, ownership structures, and other financial or operational data.
• Experience making or overseeing approval, conditional approval, and decline decisions for higher-risk or larger-exposure commercial relationships.
• Knowledge of commercial payment products such as corporate credit cards, ACH processing, virtual cards, real-time payments, or merchant payment acceptance.
• Experience establishing exposure limits, reserves, collateral requirements, guarantees, transaction controls, or other risk-mitigation structures.
• Demonstrated ability to develop departmental priorities, allocate resources, resolve complex risk issues, and influence senior business and risk stakeholders.
• Experience underwriting merchant-acquiring, payment-processing, corporate card, treasury management, or integrated-payables relationships.
• Experience assessing chargeback, settlement, payment-reversal, fraud, and fulfillment risk for card-present and digital payment activity.
• Knowledge of card-network requirements, commercial payment regulations, underwriting controls, and portfolio-monitoring practices.
• Experience developing underwriting policies, approval authorities, decision frameworks, quality-assurance practices, or risk-rating methodologies.
• Advanced degree or relevant professional certification in finance, accounting, credit, payments, or risk management.

Responsibilities

• Lead multiple related underwriting teams, setting priorities, allocating resources, establishing performance expectations, and maintaining consistent decision quality across commercial payment products.
• Oversee complex financial and credit analysis involving commercial applications, financial statements, bank statements, tax returns, commercial bureau information, and corporate ownership structures to assess solvency and repayment capacity.
• Establish decision practices and delegated authority for approving, conditioning, or declining higher-risk or larger-exposure commercial payment products, including corporate credit cards, ACH processing, B2B virtual cards, and real-time payments.
• Direct the structuring of settlement limits, transaction thresholds, reserve requirements, rolling reserves, collateral, guarantees, and other risk-mitigation terms based on customer risk profiles and the bank’s risk appetite.
• Oversee evaluations of business models, sales practices, fulfillment timelines, payment activity, and other risk indicators to assess potential chargebacks, payment reversals, fraud exposure, and financial loss.
• Maintain underwriting standards for website and digital-footprint reviews, including merchant transparency, security practices, refund and pricing disclosures, and adherence to applicable card-network requirements.
• Direct periodic account reviews, portfolio renewals, and requests for processing or exposure-limit increases, ensuring emerging risks and material changes in financial condition are appropriately evaluated.
• Identify and resolve complex underwriting, operational, and organizational issues; lead improvements to underwriting practices and controls; and persuade business and risk leaders to act when product growth or customer requests create unacceptable exposure.
• Perform other duties as assigned.

Benefits

• Health insurance coverage
• Wellness program
• Life and disability insurance
• Retirement savings plan
• Paid leave programs
• Paid holidays
• Paid time off (PTO)
• Applicable incentive compensation plan