Credit Manager: Build Risk Models & Grow Loan Revenue

QA Test Company 2; Fairview Park (OH); On-site; USD 60,000 - 90,000; Full time

Job summary

QA Test Company 2 seeks a Credit Manager to oversee the lending process from evaluating creditworthiness to approving or rejecting loan requests. You will also set interest rates and negotiate terms with clients to optimize revenue and minimize losses.

The role requires a degree in Accounting or Finance and hands-on experience with loan processing. Prior banking exposure is a plus, with a focus on maintaining compliance and reducing bad debts.

Qualifications

• Degree in Accounting, Finance, or a related field.
• Experience processing loan applications or credit decisions.
• Strong analytical and Excel spreadsheet skills.

Responsibilities

• Research and evaluate clients’ creditworthiness.
• Create credit scoring models to predict risks.
• Approve or reject loan requests based on credibility and potential revenue.
• Calculate and set interest rates.
• Negotiate loan terms with clients.
• Monitor payments and maintain loan records.
• Follow up with clients to manage debt settlements and renewals.
• Ensure lending procedures comply with regulations.
• Develop and update the company's credit policies.

Skills

Proven credit management experience

Accounting software

Analytical skills

Excel

Regulatory knowledge

Education

BSc in Accounting, Economics, Banking and Finance or relevant field

Tools

Accounting software

Job description

QA Test Company 2 seeks a Credit Manager to oversee the lending process from evaluating creditworthiness to approving or rejecting loan requests. You will also set interest rates and negotiate terms with clients to optimize revenue and minimize losses.

The role requires a degree in Accounting or Finance and hands-on experience with loan processing. Prior banking exposure is a plus, with a focus on maintaining compliance and reducing bad debts.