Credit Products Manager

This is a fully remote position, open to applicants in Texas.

📋 Description

• Supervise initial credit underwriting and portfolio management within designated business lines

• Oversee underwriters and credit professionals, including Credit Products Specialists and Credit Products Analysts

• Ensure precise risk ratings, loan assessments, underwriting, and continual portfolio management

• Recognize emerging credit risks and opportunities through data-driven insights and portfolio analytics

• Offer recommendations to leadership that support sound credit decisions

• Collaborate with sales, risk, technology, legal, and compliance teams

• Uphold credit quality across assigned portfolios and lending sectors

• Establish uniform credit decision-making and risk management practices across regions and sectors

• Recruit, nurture, coach, and retain talent in credit underwriting and portfolio management

• Act as a point of contact for deal-flow assignment, credit-risk evaluations, and escalations

• Ensure adherence to regulatory standards, internal policies, and risk frameworks

• Provide credit-risk reporting and portfolio analysis to senior leadership

• Support ongoing improvement, transformation initiatives, and strategic decision-making

• Engage with legal counsel and negotiate credit-agreement terms directly with clients

⛳️ Requirements

• Bachelor's Degree (4 years or equivalent) in Business, Economics, or a related field, along with a Master's Degree (or Postgraduate equivalent)

• Over 12 years of first-line credit underwriting, portfolio management, and risk management experience in the financial sector

• Experience in credit strategy and credit analytics

• More than 5 years managing teams of credit analysts and underwriters in a specialized vertical

• At least 5 years in a specialized line of business, such as special commercial industries, capital markets, or corporate commercial banking

• Proficient in credit bureaus, credit decision engines, credit and cash-flow modeling, income/identity verification, and loss forecasting

• Strong understanding of federal and state laws and regulations governing credit decisions

• Familiarity with the syndicated loan market and associated processes for specific lines of business

• Competency in underwriting models, portfolio management strategies, and risk assessment

• Excellent communication and presentation abilities

• Capacity to convert credit analysis into actionable strategies and policies

• Ability to integrate industry knowledge and market trends into credit-risk evaluations

• Skill in managing multiple priorities, adhering to deadlines, and executing tasks efficiently

• Strong leadership, coaching, collaboration, and team development capabilities

• Knowledge of legal documentation, including credit agreements

• Ability to engage with legal counsel and negotiate terms directly with clients

• Compliance with applicable federal, state, and local laws and regulations

🏝️ Benefits

• Medical insurance

• Dental insurance

• Vision insurance

• Life insurance

• Disability insurance

• Comprehensive leave program

• Opportunities for professional development

• Coaching and training opportunities

• Variable incentives, bonuses, commissions, or other awards may be included in total compensation