Director of Credit

📋 Description

• Personally underwrite and structure large-ticket commercial credit transactions, including
• Analyze audited and CPA-reviewed financial statements, leverage, liquidity, coverage, quality of
• Evaluate complex or imperfect credit files, including private companies, unaudited financials
• Structure transactions to manage risk through payment structures, amortization, exposure periods
• Prepare clear, well-supported credit memos and present recommendations to Credit Committee
• Hold delegated credit authority for qualifying transactions and serve as a senior escalation point

🎯 Requirements

• 6–12+ years of commercial credit experience in equipment leasing, vendor or captive finance
• Demonstrated experience personally underwriting and signing large-ticket commercial credit
• Strong, practical leasing experience covering lease structures, residual values, lessor economics
• Experience buying or selling paper, managing participations, forward-flow arrangements, or
• Previous delegated credit authority and ability to make timely, independent decisions under
• Strong credit judgment with incomplete or imperfect information, including private companies

🎁 Benefits

• Competitive compensation package aligned with seniority and scope.
• High-autonomy environment with direct voice in important credit decisions.
• Opportunity to shape credit policy, underwriting standards, automation, and portfolio strategy as
• Meaningful exposure to large-ticket financing, leasing, syndication, and capital-markets activity.
• Opportunity to build and mentor a growing credit organization.
• Fast-moving environment with quick decision-making.