Credit Manager

TEL; Chattanooga (TN); On-site; USD 75,000 - 95,000; Full time

Benefits offered by this job

Paid time off (PTO)

Paid holidays including birthday & a浮o

401(k) with employer match

Education Reimbursement Program

Veterans benefits

Job summary

Transport Enterprise Leasing (TEL) in Chattanooga, TN is seeking an experienced Credit Manager to evaluate, manage, and mitigate credit risk across our lease and loan portfolio. The role blends analytical rigor with sound business judgment and strong relationship management to support profitable growth while protecting TEL's assets.

You'll work with sales, executive leadership, customers, attorneys, and financial partners to assess credit opportunities, manage portfolio performance, and craft

Qualifications

• Bachelor's degree in Accounting, Finance, Economics, Business Management, or a related field.
• 7+ years of experience in commercial credit, equipment finance, special assets management, collections, or related fields.
• Strong understanding of financial statement analysis and credit risk assessment.
• Experience managing distressed assets, collections, workouts, and creditor rights matters.
• Advanced proficiency in Microsoft Excel, including large data sets, pivot tables, VLOOKUPs, and related functions.
• Exceptional written and verbal communication skills, with the ability to simplify complex financial concepts for various audiences.

Responsibilities

• Credit Underwriting & Risk Assessment: Analyze financial statements, cash flow, and other credit information to evaluate creditworthiness and transaction risk.
• Portfolio Management & Collections: Monitor a segment of TEL's lease and loan portfolio and resolve billing disputes, maximize recoveries.
• Legal & Special Assets Administration: Support workout strategies, coordinate with attorneys, review legal documents, and assist with litigation matters.
• Cross-Functional Leadership & Continuous Improvement: Partner with Sales, Operations, Accounting, and Executive Leadership to improve processes and risk management.

Skills

Credit underwriting

Credit risk assessment

Financial analysis

Relationship management

Communication

Education

Bachelor's degree in Accounting, Finance, Economics, Business Management, or related field

Tools

Microsoft Excel

Job description

Location: Chattanooga, TN

Help Drive Smart Growth and Protect a High-Performing Portfolio

Transport Enterprise Leasing (TEL) is seeking an experienced Credit Manager to play a critical role in evaluating, managing, and mitigating credit risk across our lease and loan portfolio. This position combines analytical rigor, business judgment, and relationship management to support profitable growth while protecting the company's assets.

As a Credit Manager, you'll work closely with sales teams, executive leadership, customers, attorneys, and financial partners to assess credit opportunities, manage portfolio performance, and develop solutions for complex credit and collection matters. This is an excellent opportunity for a finance professional who thrives in a collaborative, fast-paced environment and enjoys balancing credit underwriting, portfolio management, collections strategy, and process improvement.

What You'll Do

Credit Underwriting & Risk Assessment

• Analyze financial statements, cash flow, and other credit information to evaluate creditworthiness and transaction risk.
• Review third-party credit reports, safety reports, insurance documentation, and related information to identify and mitigate risk.
• Prepare clear, concise written and verbal credit recommendations highlighting key strengths, risks, and mitigation strategies.
• Present credit analyses and recommendations to TEL's Credit Committee and executive leadership.

Portfolio Management & Collections

• Manage a segment of TEL's lease and loan portfolio.
• Monitor customer performance and proactively address emerging credit concerns.
• Maintain accurate reporting on current, delinquent, reserved, and charged-off accounts.
• Collaborate with Accounting, Operations, and Sales to resolve billing disputes and customer issues.
• Work directly with distressed customers to negotiate favorable resolutions and maximize recoveries.

Legal & Special Assets Administration

• Support workout strategies and collection efforts for troubled accounts.
• Coordinate with attorneys and external professionals regarding collections and creditor rights matters.
• Review legal invoices and collection-related expenses.
• Assist with litigation matters, including preparation of affidavits and supporting documentation.
• Represent TEL in legal proceedings when necessary and appear in court as required.

Cross-Functional Leadership & Continuous Improvement

• Partner closely with Sales, Operations, Accounting, and Executive Leadership teams.
• Maintain strong pipeline management of lease and loan opportunities through the underwriting process.
• Identify process improvements and support TEL's continuous improvement initiatives.
• Contribute ideas that improve efficiency, enhance customer service, and strengthen risk management practices.

Required

Qualifications needed for the role

• Bachelor's degree in Accounting, Finance, Economics, Business Management, or a related field.
• Seven (7)+ years of experience in commercial credit, equipment finance, special assets management, collections, or related fields.
• Strong understanding of financial statement analysis and credit risk assessment.
• Experience managing distressed assets, collections, workouts, and creditor rights matters.
• Advanced proficiency in Microsoft Excel, including working with large data sets, pivot tables, VLOOKUPs, and related functions.
• Exceptional written and verbal communication skills, with the ability to simplify complex financial concepts for various audiences.
• Highly organized, detail-oriented, and able to effectively manage multiple priorities.

Preferred

• Certified Lease & Finance Professional (CLFP) designation.
• Experience within the equipment finance, leasing, or commercial lending industry.
• Knowledge of capital markets, syndications, and equipment finance transaction structures.

Additional Information

• This position is based at TEL's corporate headquarters and works in a professional office environment. No travel is required.
• We offer a competitive salary range of $75,000 to $95,000 with compensation tailored to reflect your experience, expertise and the value you bring to the role.

Why Join TEL?

At TEL, you'll join an organization where your contributions matter. We invest in our people, encourage collaboration across departments, and continuously seek better ways to serve our customers and support our employees.

We offer

• Competitive compensation and benefits
• Opportunities for professional development and advancement
• A performance-driven culture where initiative is valued
• The chance to make a real impact in a high-growth, respected company

Join Transport Enterprise Leasing and enjoy a comprehensive benefits package tailored to your career:

• Paid time off (PTO) to help you balance work and life
• Paid holidays—including your birthday and a floating holiday
• Paid family leave for eligible employees
• Veterans receive a paid day off on Veterans Day
• 401(k) retirement savings plan with employer match
• Retirement Pay Program for long‑term financial security
• Years of Service cash incentive to recognize your dedication
• Financial wellness program for your financial growth
• Education Reimbursement Program to support your professional development

Equal Opportunity Employer Statement:

Transport Enterprise Leasing (TEL) is an Equal Opportunity Employer. We are committed to creating an inclusive environment for all employees and applicants. Employment decisions are made without regard to race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, veteran status, or any other protected characteristic as defined by applicable laws. We also proudly support and encourage applications from veterans.

About us:

TEL is a values‑driven equipment leasing and finance company built on more than two decades of experience structuring, managing, and supporting complex, mission‑critical equipment investments. Headquartered in Chattanooga, Tennessee, with operations in Greenfield, Indiana, TEL partners with businesses nationwide to deliver flexible lease and finance solutions backed by disciplined underwriting and long‑term thinking.

Our roots are in transportation, an industry where uptime, asset performance, and financial precision matter every day. That foundation shaped how we operate and set the standards we still follow today. As TEL has grown, that same financial expertise now supports customers across multiple industries, managing large‑scale equipment portfolios and long‑term capital commitments as a trusted financial