Credit Manager

Position Summary
The Credit Manager is responsible for evaluating credit risk, developing credit policies, and ensuring the financial stability of the company’s lending and receivables portfolio. This position plays a critical role in safeguarding company assets by assessing client creditworthiness, establishing credit terms, and monitoring loan and payment performance. The ideal candidate will demonstrate strong financial acumen, sound judgment, and a disciplined approach to credit management.

Key Responsibilities

• Conduct thorough research and evaluation of clients’ financial background and creditworthiness
• Develop and maintain comprehensive credit scoring models to assess potential risks and returns
• Review, approve, or decline loan requests based on credibility, projected revenue, and potential exposure
• Calculate and establish appropriate interest rates and repayment terms
• Negotiate credit and loan terms in alignment with company objectives and risk policies
• Monitor loan performance and payment activity to identify potential delinquencies or defaults
• Maintain detailed and organized records of credit applications, loan approvals, and account activity
• Review and update company credit policies and procedures to ensure ongoing compliance and effectiveness

Qualifications and Requirements

• Proven experience as a Credit Manager, Credit Analyst, or in a similar finance-related role
• Proficiency in accounting software and financial management systems
• Strong understanding of lending principles, credit analysis, and risk assessment methodologies
• Advanced analytical and quantitative skills, including proficiency in Microsoft Excel
• Excellent negotiation, communication, and decision-making abilities
• Bachelor’s degree in Accounting, Finance, Economics, Banking, or a related discipline
• Previous experience in banking or corporate finance strongly preferred

Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.