Credit Manager

Summary

Join our team as an experienced Credit Manager to lead the credit team in overseeing credit analysis, risk mitigation, and portfolio management within the mining industry's capital finance sector. This pivotal role protects company assets by evaluating lessees' creditworthiness and driving operational excellence. You will develop and implement credit policies, manage credit risk, and ensure regulatory compliance. The position offers a hybrid or remote work arrangement in Atlanta, Georgia, with a competitive salary of $150K or above and full benefits support. The ideal candidate possesses extensive experience in credit analysis and management within industrial machinery or related industries, coupled with strong leadership and communication skills.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or a related field
• 6-8 years of experience in credit analysis or credit management, ideally within the industrial machinery or related industries
• Demonstrated experience managing high-value credit portfolios and leading credit teams
• Strong understanding of financial statement analysis, accounting principles, and credit policies
• Proficiency in financial modeling tools, credit scoring software (e.g., Equifax, PayNet), and Microsoft Office Suite
• Exceptional analytical and problem-solving skills, with sound judgment in balancing risks and opportunities
• Strong interpersonal and communication skills, capable of engaging effectively with diverse internal and external stakeholders
• Proven ability to lead teams, build relationships, and drive cross-functional collaboration
• Flexibility to adapt to evolving business needs and changing market conditions
• Fluency in English, with excellent verbal and written communication skills

Responsibilities

• Lead the credit team in reviewing and analyzing financial statements, market trends, and risk factors to assess creditworthiness for lease and loan financing for retail and floorplan customers
• Ensure comprehensive financial packet reviews, identify missing information, and coordinate with relevant departments to gather necessary documents
• Conduct detailed evaluations of customer and dealer inventory practices, turnover ratios, liquidity, collateral, and repayment terms in alignment with credit policies
• Render credit decisions within established authority limits and recommend approvals, denials, or modifications for higher-level review
• Ensure accurate and timely data entry and maintenance of credit and loan information in company databases
• Present comprehensive credit reports, findings, and recommendations to senior management
• Monitor the performance of existing floorplan and lease portfolios, identifying potential delinquencies or risks, and recommend appropriate actions
• Oversee yearly portfolio reviews and ensure alignment with the organization’s risk tolerance and strategic goals
• Collaborate with sales, retail finance, and floor finance teams to streamline application processing and strengthen risk management practices
• Supervise and mentor the credit analysis team, fostering a culture of continuous learning and professional growth
• Serve as the primary point of contact for internal and external stakeholders regarding credit decisions and escalations
• Maintain open lines of communication across departments, providing updates on credit policies, progress, and emerging challenges
• Stay informed of industry trends, market conditions, and regulatory changes, evaluating their impact on credit policies and procedures
• Recommend and implement process improvements to enhance efficiency and reduce risks
• Maintain professional conduct and adhere to company policies and high ethical standards
• Perform additional duties and responsibilities as assigned by senior management

Preferred Qualifications

An MBA or equivalent is preferred

Benefits

Full support