National Credit Manager - Commercial Vehicle (Confidential)

National Credit Manager - Commercial Vehicle

Job Summary:

The National Credit Manager for Commercial Vehicles will oversee the credit operations within our organization, ensuring the efficient management of credit risk while supporting sales growth. This role plays a crucial part in maintaining healthy financial practices to optimize our commercial vehicle financing offerings and enhance customer satisfaction.

Key Responsibilities:

• Develop and implement credit risk policies and procedures to manage commercial vehicle financing effectively.
• Analyze credit data and financial statements to assess the creditworthiness of commercial vehicle customers.
• Lead and mentor a team of credit analysts, fostering a high-performance culture focused on collaboration and excellence.
• Collaborate with sales and operations teams to structure deals that balance risk management with business growth.
• Monitor ongoing credit exposures and portfolio performance, providing reports and insights to senior management.
• Negotiate terms and conditions of financing agreements with customers and lending partners.
• Conduct training sessions for sales staff on credit policies and risk assessment tools.

Requirements:

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• Minimum of 5 years of experience in credit management, preferably in the commercial vehicle or automotive industry.
• Strong knowledge of credit risk assessment, financial analysis, and lending practices.
• Proficiency in credit scoring models and financial software tools.
• Excellent communication, negotiation, and interpersonal skills to collaborate effectively with diverse teams.
• Ability to analyze complex financial data and make informed decisions under pressure.
• Detail-oriented with exceptional organizational and time management skills.

Preferred Qualifications:

• Master's degree in Finance, Business or related discipline.
• Certification in credit management or risk management (e.g., CCRM, CRM).
• Experience working with commercial vehicle financing products and market trends.
• Proven track record of leading successful credit initiatives that drive profitability.
• Strong network within the automotive financial services industry.

Benefits:

• Competitive salary with performance-based bonus potential.
• Comprehensive health, dental, and vision insurance plans.
• 401(k) retirement plan with company matching contributions.
• Flexible working hours and remote work options.
• Professional development opportunities and tuition reimbursement.
• Employee discounts on commercial vehicles and accessories.
• Dynamic and inclusive work environment fostering innovation and teamwork.