Credit Manager

Top Stack; Maryland; On-site; USD 90,000 - 140,000; Full time

Job summary

Top Stack is seeking an experienced CreditRisk Manager to oversee a portfolio of commercial accounts, evaluate credit risk, and support strategic credit decisions.

You will analyze financial statements, manage credit holds, and present analyses to senior leadership. This role requires collaboration with sales and customer leadership to resolve credit issues and drive risk management improvements.

Qualifications

• Bachelor's degree in Accounting, Finance, Business, or a related field preferred.
• 3+ years of experience in commercial credit analysis or credit risk management.
• Strong experience analyzing financial statements and assessing commercial credit risk.
• Experience working with commercial or manufacturing-based organizations is preferred.
• Prior leadership or supervisory experience is a plus.
• SAP experience preferred; HighRadius experience is a plus.
• Strong analytical, communication, and decision-making skills.

Responsibilities

• Analyze financial statements, cash flow, and credit risk for commercial customers.
• Manage a portfolio of accounts and make credit recommendations based on financial data and third-party reporting.
• Present credit analyses and recommendations to senior leadership and credit committees.
• Partner with sales teams and customer leadership to resolve credit-related matters.
• Oversee accounts receivable collections through a direct report.
• Manage order credit holds and support timely credit decisions.
• Contribute to process improvements and risk management initiatives.

Skills

Credit risk analysis

Financial statement analysis

Leadership

Communication

Decision making

Education

Bachelor's degree in Accounting, Finance, or related field

Tools

SAP

HighRadius

Job description

Job Description

We are seeking an experiencedCreditRisk Managerto oversee a portfolio of commercial accounts, evaluate credit risk, and support strategic credit decisions.
What You'll Do

• Analyze financial statements, cash flow, and credit risk for commercial customers.
• Manage a portfolio of accounts and make credit recommendations based on financial data and third-party reporting.
• Present credit analyses and recommendations to senior leadership and credit committees.
• Partner with sales teams and customer leadership to resolve credit-related matters.
• Oversee accounts receivable collections through a direct report.
• Manage order credit holds and support timely credit decisions.
• Contribute to process improvements and risk management initiatives.

Qualifications

• Bachelor's degree in Accounting, Finance, Business, or a related field preferred.
• 3+ years of experience in commercial credit analysis or credit risk management.
• Strong experience analyzing financial statements and assessing commercial credit risk.
• Experience working with commercial or manufacturing-based organizations is preferred.
• Prior leadership or supervisory experience is a plus.
• SAP experience preferred; HighRadius experience is a plus.
• Strong analytical, communication, and decision-making skills.

Company Description

We launched Top Stack to solve a problem in the human capital industry: Technology has replaced humanity. The business has become cold and impersonal. That’s why we’ve made it our top priority to be people-focused, with consistent, transparent, timely communication. It sounds simple because it is. We think it’s the only way to work.