Manager, Underwriting

The Home Depot

Atlanta (GA)

On-site

USD 110,000 - 160,000

Full time

14 days+

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Job summary

The Home Depot in Atlanta, GA, is seeking a Manager for Pro Trade Credit – Trade Credit Services to lead the credit and collections management for the Pro Trade Credit program. The role focuses on developing processes, underwriting, collections, and customer servicing while ensuring compliance and reporting requirements are met.

Strong leadership, deep expertise in commercial underwriting and collections, and the ability to influence cross-functional partners are essential for success in this

Qualifications

Bachelor's degree or equivalent in a related field.
6+ years of experience in commercial trade credit management or supervisory roles.
Strong leadership and team management of credit servicing and underwriting.
Ability to analyze financial documentation and create business cases.
Excellent written and verbal communication.
Ability to negotiate and resolve disputes with customers.
Knowledge of lien-based lending and receivables management.
Ability to coordinate with cross-functional teams.
Travel 5–20% anticipated.

Responsibilities

Collaborate with Pro Operations, Accounting, and Controls to ensure program adherence to service and compliance objectives.
Drive results by establishing and assessing collections and receivables performance against goals and shaping credit and collections strategies.
Plan and align credit and collections processes, strategy, and support for the Pro Trade Credit program.
Strategically develop underwriting and collections processes and oversee program administration and support levels.

Skills

Team leadership

Cross-functional collaboration

Data analysis

Project management

Customer service management

Communication skills

Financial document analysis

Decision making

Education

Bachelor's degree

Tools

Microsoft Office

Job description

Position Purpose:

The Manager, Pro Trade Credit – Trade Credit Services, leads the credit & collections management for the Pro Trade Credit program. Focus is on developing and managing processes for the trade credit services team and customer support functions related to existing customer credit and collections management. This is including but not limited to, direct management of a credit operations team, development of credit underwriting and collection policies and processes, customer servicing functions, receivables management, development and adherence to compliance and reporting requirements, program operations and improvements, and loss mitigation and collections strategies. This role works cross functionally with internal and external partners (including Information Technology, Product Managers, Operations, Accounting, Compliance, third-party vendors, and others) to develop and implement a trade credit management functions and strategies that supports strategic initiatives.

This role requires strong team management, deep understanding of commercial credit underwriting and collections processes, call center and customer service functions, and the ability to effectively communicate and influence partners to support and execute solutions.

Key Responsibilities:

20% - Collaboration - Work with Pro Operations, Accounting, and Controls to ensure program adherence to service and compliance/control related objectives.
25% - Drives Results - Establish and assess financial and operational/quality results of collections and receivables management against predetermined goals. Determine appropriate team structures along with credit and collections strategies to achieve operationally established goals and objectives.
30% - Plans & Aligns - Manage the credit and collections processes, strategy, and support functions related to the commercial Pro Trade Credit program.
25% - Strategic Mindset - Oversee the development and execution of underwriting and collections processes and performance. Utilize credit knowledge and people management skills to ensure proper program administration and support levels are met.

Direct Manager/Direct Reports:

This Position typically reports tothe Sr. Manager or Director, Pro Trade Credit
This Position has 6 Direct Reports

Travel Requirements:

Typically requires overnight travel 5% to 20% of the time.

Physical Requirements:

Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions, there may be a need to move or lift light articles.

Working Conditions:

Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable.

Minimum Qualifications:

Must be at least 18 years old
Must be legally permitted to work in the United States

Preferred Qualifications:

Working knowledge of Microsoft Office Suite
Demonstrated ability to collaborate and work effectively with cross-functional teams
Ability to draw accurate conclusions from financial documentation
Demonstrated project management skills
Ability to negotiate, handle complaints, settle disputes, and resolve grievances with both internal and external customers
Excellent written and verbal communication skills
3+ years’ experience in commercial trade credit management and/or supervisory capacity in credit servicing center and underwriting teams.
Knowledge, Skills, Abilities and Competencies:
An understanding and knowledge of the principles/disciplines of commercial underwriting and credit program administration.
People and team management skills
A strong grasp of credit and customer service/call center management skills. Able to manage/coordinate customer servicing levels. Understands how to structure and manage staffing, manage collections and effective receivables management relative to operational structure and servicing needs.
Sound understanding of lien based lending and effective receivables management strategies.
Ability to leverage data and analysis to craft a well-thought story and business case. Very strong communication skills to deliver business cases and gain support for process development and business strategies. Demonstrated decisiveness and sound decision-making skills.
Able to think strategically about business problems and opportunities and to focus efforts on strategies that most closely support key company initiatives.

Minimum Education:

The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.

Preferred Education:

The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.

Minimum Years of Work Experience:

Preferred Years of Work Experience:

Minimum Leadership Experience:

Preferred Leadership Experience:

Certifications: