Credit Analysis Manager jobs in Houston, TX

XCMG America Financial is seeking a Credit Manager to oversee our commercial credit function and lead our dedicated credit staff. As a Credit Manager, you will play a crucial role in managing the underwriting of new and existing commercial credit, ensuring accuracy, efficiency, and compliance with regulatory standards.

Why Join XCMG America Financial:

At XCMG AF, we are committed to fostering a supportive and inclusive work environment where employees can thrive both personally and professionally. Joining our team means being part of the world’s third-largest construction manufacturing organization that values integrity, teamwork, and continuous learning.

If you are a dynamic leader with a strong background in commercial credit and a passion for driving strategic initiatives, we invite you to apply for the Credit Manager position. Take the next step in your career and join us in shaping the future of equipment finance.

Key Responsibilities:

1. Underwriting: 60% - Establish and Manage the underwriting process for commercial credit, making recommendations and providing guidance to ensure sound credit decisions. Overseeing the Company’s lending process which includes creating credit parameters, setting pricing, underwriting, and maintaining records of credit application and loan document with the support from operations. Responsible for recommending approval, declination, or alternate options for credit before presenting it to the final approvers.

2. Risk Management: 30% - Identify and mitigate risks, proactively guiding the development of credit structures and decisions to maintain portfolio quality and protect capital. Communicate effectively with various XCMG departments and third-party finance companies. Work closely with cross-functional teams within the organization. Assist in negotiating credit agreements and terms, including deal structures such as rates and fees.

3. Leadership: 10% - Assist our VP of Risk and Program Management and Sr. Credit Manager to lead and mentor future credit staff, providing ongoing coaching, training, and development opportunities. Drive strategy and implement new products, services, and technologies to enhance efficiency and improve customer experience.

Additional Responsibilities:

· Act as a liaison for other internal departments.

· Lead commercial projects and manage various contracts and vendor relationships.

· Effectively multitask with competing deadlines and responsibilities.

· Contribute to business development efforts.

· Perform additional duties as assigned per the needs of the company.

Requirements:

· Bachelor’s degree in business, finance, accounting, or economics.

· Minimum of 4-7 years’ experience in commercial credit underwriting, due diligence processes from origination to closing as well as well as well-versed in customer negotiations.

· Strong written, verbal, analytical skills and technological savvy (including advanced Excel and report writing capabilities)

· Experience with training, mentoring, and leading a team

· Thorough knowledge of credit-related laws and experience with leading regulatory examinations as well as audits.

· Must be skilled at resolving problems and reaching independent decisions, including personnel matters.

· Must have the ability to focus on tasks for extended periods.

· Must be flexible and have the ability to work with a variety of tasks and employees.

· Ability to plan, organize, be detailed and deadline oriented, and maintain a high accuracy rate.

Job Type/Location: Full-time in Houston, TX (no remote possibilities). Consideration may be given to well-qualified candidates in the Atlanta, GA area.

Job Type: Full-time

Pay: From $70,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• AD&D insurance
• Dental insurance
• Disability insurance
• Health insurance
• Health savings account
• Life insurance
• Opportunities for advancement
• Paid sick time
• Paid time off
• Vision insurance

Experience level:

• 4 years

Schedule:

• Monday to Friday

Supplemental pay types:

• Yearly bonus

Education:

• Bachelor's (Preferred)

Experience:

• commercial credit underwriting: 4 years (Preferred)

Ability to Relocate:

• Houston, TX 77060: Relocate before starting work (Required)

Work Location: In person