Director of Credit

Job Description

Responsibilities

What you’ll own

1. Large-ticket underwriting, hands-on and AI-driven

You are the underwriter on large tickets. Spread audited and CPA-reviewed financials on your own heavily using AI; work agency and shadow ratings; assess leverage, coverage, liquidity, and quality of earnings; run the subsidiary-bankruptcy and going-concern checks; and where the standalone credit doesn’t clear, structure your way to a yes: upfront first payment, annual or semi-annual amortization, a compressed exposure window, guaranties, vendor recourse. You write the credit memo. You carry it to Credit Committee and defend it.

2. Credit authority and the escalation desk

Hold delegated signing authority in the sub-$500k band and act as a key escalation point for analysts, sales, and vendor partners. Escalations get an answer in hours, with the reasoning written down. You own exception discipline: what qualifies, who approves, how it’s documented, and how often we’re granting them.

3. Syndication and capital-markets readiness

A growing share of our paper is sold, participated, or forward-flowed. You own the standard that makes a file clear someone else’s credit team on the first pass: the external memo format, the diligence package, the consistency of grading. You’ll work with Capital Markets on eligibility criteria, concentration limits, reps and warranties, and repurchase triggers, and you’ll manage referrals of above-ceiling and restricted-profile requests out to partners. You will work on developing new syndication relationships too.

4. Leasing and transaction structure

Bring real lessor instincts: FMV vs. $1-out, capital vs. operating treatment, residual assumptions, soft-cost caps, deferral structures, personal and corporate guaranties, UCC filings and collateral perfection, and how each of those changes the credit question. You’ll also handle cross-border structure across our licensed markets outside of the US as well as restricted-jurisdiction carve-outs.

5. Credit policy and portfolio

Co-own the credit policy with the VP Risk: rating tiers, limit formulas, feature eligibility, approval authority. On the portfolio side: watch list, delinquency and loss trends, concentration by vendor, industry, and buyer, and the loss vs. auto-approval-rate trade-off we’re willing to run.

6. Automation partnership

Work with critical systems on the decisioning stack: Taktile rules, bureau inputs (PayNet, D&B/SBFE, Creditsafe, Experian), scorecard calibration, and the manual-review queue. You should have opinions about where a human adds credit judgment and where a rule is simply better, and be able to pull your own data to back them up.

7. Support the team

Coach and calibrate our first and second line underwriters. Run credit calibration sessions. Get to the point where the team handles the standard book with real quality and you spend your time on the large tickets, the exceptions, and the policy.

What good looks like

• First 90 days: You own the escalation queue end to end. You’ve reviewed our last 50 large-ticket decisions and told us where you’d have landed differently and why.
• Six months: A standardized large-ticket memo and Committee cadence in place. Measurable improvement in time-to-decision on escalated files. Delegated authority expanded because it’s earned.
• Twelve months: Policy and engine at parity. A file standard our capital-markets partners accept without rework. A credit team that doesn’t need you in the room for standard deals

Are you interested in this position?
Apply by clicking on the “Apply Now” button below!
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