Credit Risk & Lending Manager

QA Test Company 2; Cleveland (OH); On-site; USD 70,000 - 100,000; Full time

Job summary

QA Test Company 2 is seeking a Credit Manager to oversee our lending process, from evaluating clients' creditworthiness to approving or rejecting loan requests.

You will develop credit scoring models, set loan terms, and help minimize bad debts while maximizing loan revenues. A degree in Accounting or Finance and banking experience are preferred.

This role requires strong analytical skills, proficiency with spreadsheets, and solid knowledge of lending procedures to ensure regulatory compliance.

Qualifications

• Proven work experience as a Credit Manager, Credit Analyst or similar role.
• Hands-on experience with accounting software.
• Solid understanding of lending procedures.
• Excellent analytical skills, with the ability to create and process financial spreadsheets (e.g. in Excel).
• BSc in Accounting, Economics, Banking and Finance or relevant field.

Responsibilities

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

Skills

Credit management

Credit analysis

Accounting software

Lending procedures

Analytical skills

Education

BSc in Accounting/Economics/Finance

Tools

Excel

Job description

QA Test Company 2 is seeking a Credit Manager to oversee our lending process, from evaluating clients' creditworthiness to approving or rejecting loan requests.

You will develop credit scoring models, set loan terms, and help minimize bad debts while maximizing loan revenues. A degree in Accounting or Finance and banking experience are preferred.

This role requires strong analytical skills, proficiency with spreadsheets, and solid knowledge of lending procedures to ensure regulatory compliance.