Credit Manager

Credit Manager Seelah Kennels - 1.0 West Des Moines, IA Job Details Full-time $65,000 - $75,000 a year 1 day ago Benefits Health savings account Health insurance Dental insurance Flexible spending account Tuition reimbursement Paid time off Vision insurance 401(k) matching Qualifications Financial forecasting Portfolio monitoring Term negotiation Cash flow analysis Financial model construction Compliance with loan regulations Underwriting Financial model development Credit risk assessment Commercial lending analysis in risk and credit Regulatory compliance Financial statement analysis Financial software Mid-level Risk mitigation strategy implementation Financial performance report preparation Financial fraud detection Mortgage industry Analysis skills Bachelor's degree Accounting and finance experience (4-5 years) Bank experience Financial concepts Accounting and finance experience Financial analyst experience Loan application review Data collection Quantitative analysis Cross-functional collaboration Quantitative research Tax experience Financial analyst experience (4-5 years) Regulatory compliance management Cross-functional communication Technical accounting Credit analysis Full Job Description Overview We are seeking a dynamic and detail-oriented Credit Manager to lead our credit risk assessment and management efforts. In this pivotal role, you will oversee the evaluation of credit applications, develop strategies to minimize financial risk, and ensure the integrity of our credit portfolio. Your expertise will help us maintain healthy cash flows, optimize lending processes, and uphold our commitment to responsible financial practices. This position offers an exciting opportunity to influence our financial stability and growth through strategic credit oversight. Duties Conduct comprehensive credit analysis by evaluating financial statements, cash flow reports, and credit histories to determine borrower risk levels. Develop and implement robust underwriting policies and procedures that align with industry standards and regulatory requirements. Negotiate credit terms with clients, balancing risk mitigation with business growth objectives. Perform detailed risk analysis using quantitative research, financial modeling, and data collection techniques to forecast potential defaults or delinquencies. Oversee loan origination processes, ensuring accurate loan processing and adherence to compliance standards. Monitor existing credit portfolios through portfolio management strategies, identifying early warning signs of potential issues such as fraud or deteriorating financial health. Prepare detailed financial reports that include insights on credit performance, risk assessments, and forecasting trends for senior management review. Collaborate with cross-functional teams including accounting, banking partners, and legal advisors to optimize credit operations and ensure regulatory compliance. Experience Proven experience in credit analysis, underwriting, or related financial services roles with a strong understanding of financial concepts such as cash flow analysis, risk assessment, and financial modeling. Demonstrated expertise in negotiation, loan processing, and portfolio management within banking or lending environments. Familiarity with financial software tools used for data collection, quantitative analysis, and reporting is essential. Strong knowledge of technical accounting principles, mortgage servicing practices, and fraud prevention techniques. Experience in tax analysis or quantitative research is a plus to enhance decision-making accuracy. Excellent mathematical skills combined with a solid foundation in financial analysis, forecasting, and technical accounting practices. Ability to interpret complex financial data quickly and accurately while maintaining high attention to detail in all reports and documentation. Join us as a Credit Manager if you're passionate about leveraging your financial acumen to make impactful decisions that drive business success! We value proactive problem solvers who thrive in fast-paced environments and are eager to contribute their expertise toward responsible lending practices.

Pay:

$65,000.00 - $75,000.00 per year

Benefits:

401(k) matching Dental insurance Flexible spending account Health insurance Health savings account Paid time off Tuition reimbursement Vision insurance

Work Location:

In person