About this role
Senior Credit Manager, Mid-Ticket Credit Underwriting Location: Fully Remote Position Overview Our client is seeking an experienced Manager of Mid-Ticket Credit Underwriting to lead a team of commercial credit analysts while maintaining responsibility for complex equipment finance underwriting and credit decisions. This position combines hands-on underwriting with team leadership, coaching, performance management, workflow oversight, quality assurance, and credit policy development. The Manager will serve as a senior credit resource, advise on complex transactions, review appeals and post-approval modifications, present recommendations to the Credit Committee, and partner with Sales to structure transactions that balance growth, customer needs, and risk. Key Responsibilities Team Leadership and Development Lead and manage a team of approximately three to six Mid-Ticket Credit Analysts. Establish performance expectations and monitor quality, productivity, consistency and service levels. Coach, mentor and develop analysts through regular feedback, performance reviews and development meetings. Ensure consistent application and understanding of credit policies across the team. Identify training, performance and leadership-development needs. Participate in interviewing, hiring and onboarding new Credit Analysts. Monitor workflow, turnaround times, attendance and overall team activity. Keep senior management informed of team performance and day-to-day activity. Recommend credit policy changes based on underwriting experience and portfolio trends. Ensure credit files and post-funding requests are complete, accurate and processed promptly. Credit Underwriting and Decisioning Underwrite commercial equipment finance transactions across a wide variety of industries, markets and equipment types. Conduct customer due diligence and prepare credit memoranda, financial analyses, approval notes and presentation materials. Analyze balance sheets, income statements, cash flow statements, business and personal tax returns, interim financial statements and supporting schedules. Evaluate cash flow adequacy, leverage, liquidity, profitability, working capital, debt-service capacity and overall credit risk. Assess key qualitative factors, including the customer’s competitive position, operating model, management strength, ownership structure, industry trends and business risks. Evaluate equipment value, market pricing, depreciation, useful life, remarketing considerations and residual risk. Develop appropriate transaction structures, terms, conditions and risk ratings. Present clear and well-supported credit recommendations to the Credit Committee and senior management. Review credit appeals, post-approval modifications and post-funding requests. Decision flow transactions accurately, consistently and within established service expectations. Cross-Functional Partnership Work closely with Originators to obtain required customer information efficiently. Provide timely updates regarding the underwriting status of each transaction. Partner with Sales to structure transactions that balance credit quality, customer needs, and business objectives. Support Documentation and Funding with nonstandard transaction requirements. Assist Collections with late-payment issues, restructures or modifications involving mid-ticket accounts. Provide formal and informal credit training to Sales and other internal teams. Promote constructive collaboration among Credit, Sales, Operations, Documentation, Funding and Collections.