Role Overview

Credit Manager on the Risk / Credit team. Evaluate credit applications and merchant portfolios to make approval, decline, or conditional decisions, structure and negotiate deal terms, conduct portfolio reviews, due diligence, and risk assessments, prepare credit analyses and executive memos, and partner with sales, legal, compliance and stakeholders.

Responsibilities

• Evaluate credit applications and merchant portfolios by analyzing financial data, credit reports, and risk indicators.
• Structure and negotiate deal terms (e.g., reserves, collateral, guarantees) to mitigate risk exposure.
• Conduct portfolio reviews, due diligence, and risk assessments to ensure adherence to credit policies, regulatory requirements, and quality standards.
• Prepare detailed credit analyses and executive credit memos, presenting recommendations and insights to senior management.
• Partner with sales, legal, compliance, and exter...