Credit Portfolio Manager | Risk & Growth

Vaco by Highspring; Troy (OH); On-site; USD 70,000 - 90,000; Full time

Job summary

Vaco by Highspring in Ohio is seeking a Credit Manager to oversee the credit granting process, evaluate creditworthiness, manage accounts, and ensure policy compliance. This role collaborates with Sales, Finance, and Operations to mitigate risk while supporting business goals.

The ideal candidate has strong analytical skills, experience in credit management, and the ability to lead a team in a fast-paced environment. Direct Hire with a salary range of $70,000–$90,000 annually.

Qualifications

• Bachelor's degree in Finance, Accounting, Business, or a related field.
• MBA or professional certification such as CFA or CPA preferred.
• Experience managing credit portfolios and/or leading a credit team preferred.
• Previous experience in commercial lending, credit analysis, financial analysis, credit management, or a related field.

Responsibilities

• Evaluate the creditworthiness of potential customers by analyzing financial statements, credit reports, payment history, and other relevant information.
• Assess credit risk and establish appropriate credit limits based on company policies, customer profiles, and industry standards.
• Monitor customer accounts and identify potential credit risks or emerging issues.
• Develop and implement credit risk policies, procedures, and guidelines to ensure prudent and effective credit decisions.
• Continuously review and update credit policies to reflect changing business needs, market conditions, and risk considerations.
• Provide guidance and training to staff on credit policies, procedures, and best practices.
• Monitor the credit portfolio to identify and address potential risks while maintaining appropriate diversification and exposure levels.
• Review and approve credit decisions made by the lending or credit team to ensure alignment with established risk parameters and credit standards.
• Identify trends and opportunities to improve portfolio performance and reduce credit risk.
• Prepare regular reports on portfolio growth, performance, credit exposure, and risk.
• Analyze credit data to identify trends, opportunities, and areas for improvement.
• Provide recommendations and credit insights to senior management.
• Monitor economic indicators, customer trends, and industry conditions to anticipate changes in credit risk.
• Lead and manage the credit department, providing direction, coaching, and support to team members.
• Foster a strong credit culture focused on sound decision-making, risk management, accountability, and customer service.
• Establish performance expectations and support the professional development of the credit team.

Skills

Credit analysis

Financial analysis

Strong communication

Decision-making

Independent work

Education

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

MBA or CFA/CPA preferred

Tools

Microsoft Office

Credit databases

Financial analysis software

Job description

Vaco by Highspring in Ohio is seeking a Credit Manager to oversee the credit granting process, evaluate creditworthiness, manage accounts, and ensure policy compliance. This role collaborates with Sales, Finance, and Operations to mitigate risk while supporting business goals.

The ideal candidate has strong analytical skills, experience in credit management, and the ability to lead a team in a fast-paced environment. Direct Hire with a salary range of $70,000–$90,000 annually.