Director, Credit Risk/Underwriting

2 months ago

Atlanta, United States Home Depot Management Company, LLC Full time
Overview:
  • Broad financial services experience including credit card product management and/or issuance, credit analytics (marketing/direct marketing, lifecycle management) P&L oversight, new program development, enterprise level negotiations with vendors, payments (cost out, network relationships, negotiations with payment processors and networks - processing and routing).
Primary Responsibilities:
  • Oversight of the development and management of THD's Trade Credit Program which includes:
    • Outlining strategic staffing plan for the Trade Credit Team
    • Implementation of Trade Credit policy
    • Optimization and efficiency of the team
  • Oversight of credit risk policies for THDs proprietary credit programs (Consumer and Commercial Credit, Project Financing, and alternative loan programs)
    • Thorough understanding of a risk appetite framework and how policy modification impacts outcomes
    • Balances and appropriately assesses risk/losses with sales generation activities
  • Oversight of decision making on THDs line accommodation program which is THD underwriting of unsecured line requests that Citi is unable to accommodate
    • Optimize portfolio performance minimizing chargeoffs and maximizing sales
    • Detailed tracking and analysis of customer accounts through the lifecycle
    • Evaluation of accounts for other THD credit programs including Trade Credit
  • Strategic leadership contribution to the direction and optimization of THDs credit programs
    • Providing input into new initiatives and capabilities and helping shape the direction of credit programs
    • Understanding how policy changes can impact the customer experience and providing input to ensure changes are aligned to the strategic direction of the team and company
  • Team Leadership
    • Providing guidance, direction, and support to a large team of individuals focused on balancing decisions that allow customers to purchase with risks (the potential for bad debt)
    • Development, collaboration, and partnership with many internal groups at THD to help advance individual growth and capabilities
  • Partnership
    • Establish strong relationships with business partners who rely on the team for decisions with
    • Clearly outline and articulation decision criteria
    • Continually challenging third parties to optimize performance with decisions, response time, and costs
Skills and Competencies:
  • Financial Acumen
    • Principles of underwriting: ability to understand and leverage financial statements, corporate structures, and risk instruments in order to make decisions (helping team with decisions) on extensions of credit for large and medium sized businesses
    • Ability to understand risk policies and risk appetite frameworks to determine the appropriate policies to implement, balancing potential for losses with impacts to top line sales
  • Managing Complexity and Business Insight
    • Helping the team solve complicated challenges with new capabilities like Trade Credit - eventually integrating this into other selling channels and experiences like THDs loyalty platform and other capabilities we are building to win planned purchases from the Pro
  • Influence
    • Ability to partner with third parties on changes to programs that benefit THD customers, sales
    • Ability to influence internal groups on new programs and changes that need to be made that support delivering stated outcomes (sales, reduction in cost, efficient processes, etc.)
  • Strategic Negotiations
    • Ability to negotiate agreements with enterprise providers that provide services to THD, seeking the most favorable outcome for THD and THD customers. Agreements include service providers of Trade Credit, payment providers, Private Label credit providers.
  • Experience with underwriting and credit portfolios is a plus

  • Director, Credit Risk/Underwriting

    4 weeks ago

    Atlanta, United States The Home Depot Full time

    Overview: Broad financial services experience including credit card product management and/or issuance, credit analytics (marketing/direct marketing, lifecycle management) P&L oversight, new program development, enterprise level negotiations with vendors, payments (cost out, network relationships, negotiations with payment processors and networks –...

  • Credit Underwriter

    1 month ago

    Atlanta, Georgia, United States Cadence Bank Full time

    Primary Purpose:Primary duty is to analyze, underwrite and decision credit decisions submitted by various lines of business within the Bank. Credit Underwriter has a working knowledge of small business underwriting, cash flow analysis, financial spreading, loan structure, loan decisioning, along with an understanding of various types of collateral and...

  • Commercial Credit Underwriter

    3 days ago

    Atlanta, Georgia, United States Truist Full time

    Job SummaryWe are seeking a highly skilled Commercial Credit Underwriter to join our team at Truist. As a key member of our underwriting team, you will be responsible for leading the commercial underwriting process, analyzing financial statements, and providing risk recommendations to our clients.Key ResponsibilitiesLead the commercial underwriting process,...

  • Senior Credit Underwriter

    2 weeks ago

    Atlanta, Georgia, United States Renasant Full time

    Job Title: Senior Credit UnderwriterOverview: The Senior Credit Underwriter will deliver comprehensive commercial credit and financial analysis support to Renasant Bank's Commercial Lending Unit (CLU).Responsibilities:Evaluate the bank's more complex CLU credits associated with significant relationship exposures.Specialize in Commercial Real Estate (CRE),...

  • Credit Risk Management Associate

    6 days ago

    Atlanta, Georgia, United States Truist Financial Corporation Full time

    Primary Location: Atlanta, GA USJob Overview: The role outlined below is essential for our operations. If you wish to proceed with your application, please click the Apply button at the top or bottom of this page. You will need to create an account or log in to an existing one.Regular or Temporary: RegularLanguage Fluency: English (Required)Work Shift: 1st...

  • Senior Credit Underwriter

    2 weeks ago

    Atlanta, Georgia, United States Renasant Full time

    Job Title: Senior Credit UnderwriterOverview:The Senior Credit Underwriter will deliver comprehensive commercial credit and financial analysis support to Renasant Bank's Commercial Lending Unit (CLU). This role is essential in assessing and underwriting complex credit requests.Key Responsibilities:1. Underwrite the bank's more intricate CLU credits, focusing...

  • Credit Risk Management Associate

    6 days ago

    Atlanta, Georgia, United States Truist Financial Corporation Full time

    Position Overview:The Credit Delivery Associate plays a crucial role in managing credit products for both new and existing clients. This position is essential in ensuring that client needs are met while maintaining effective risk management strategies.Key Responsibilities:Oversee and execute credit event processes, including underwriting, refinancings, and...

  • Credit Risk Management Associate

    6 days ago

    Atlanta, Georgia, United States Truist Financial Corporation Full time

    Position Overview:The Credit Delivery team plays a crucial role in assessing and managing credit products for both new and existing clients. This position is essential in ensuring that client needs are met while adhering to effective risk management strategies.Key Responsibilities:Oversee and execute credit event processes, including underwriting,...

  • Underwriting Director

    10 hours ago

    Atlanta, Georgia, United States CNA Full time

    Job Summary:CNA is seeking a dynamic and experienced Underwriting Director to lead our Allied Healthcare Facilities (AHF) Wholesale team. As a key member of our leadership team, you will be responsible for driving business results, managing profitability, and developing business strategies to achieve our goals.Key Responsibilities:Lead a team of underwriters...

  • Commercial Credit Underwriter

    6 days ago

    Atlanta, Georgia, United States Truist Full time

    Commercial Credit UnderwriterTruist Financial Corporation is on the lookout for a skilled Commercial Credit Underwriter to oversee the underwriting activities for business clients. The role encompasses evaluating, structuring, and documenting client transactions, as well as scrutinizing financial statements and managing designated portfolios. The ideal...

  • Commercial Credit Underwriter

    2 weeks ago

    Atlanta, Georgia, United States Truist Full time

    Commercial Credit UnderwriterTruist Financial Corporation is in search of a Commercial Credit Underwriter to oversee the underwriting activities for business clients. Key responsibilities encompass evaluating, structuring, and documenting client transactions, scrutinizing financial statements, and managing designated portfolios. The ideal candidate should...

  • Commercial Credit Underwriter

    2 weeks ago

    Atlanta, Georgia, United States Truist Full time

    Commercial Credit UnderwriterTruist Financial Corporation is on the lookout for a Commercial Credit Underwriter to oversee the underwriting activities for commercial clientele. The role encompasses evaluating, structuring, and documenting client transactions, as well as analyzing financial documents and managing designated portfolios. The ideal candidate...

  • Credit Risk Analytics Manager

    2 weeks ago

    Atlanta, Georgia, United States National Funding Full time

    Position Overview:As a pivotal member of our team, the Credit Risk Analytics Manager will play a crucial role in overseeing and enhancing the risk management framework for our small business lending initiatives. This position is hybrid, allowing for a blend of onsite and remote work, fostering a flexible work environment.Compensation:Exempt Salary Range:...

  • Fine Art Underwriter

    7 days ago

    Atlanta, United States Novatae Risk Group Full time

    Job DescriptionJob DescriptionThe Fine Art Underwriter position is a mix of underwriting and underwriting assistant duties. You will be responsible for technical underwriting and assistant functions associated with underwriting Fine Art risks. We are open to training in the fine art space and will consider candidates with high net worth underwriting...

  • Junior Risk Underwriter

    2 weeks ago

    Atlanta, Georgia, United States H. W. Kaufman Full time

    Position Overview:As a pivotal member of our underwriting team, the Junior Risk Underwriter plays a crucial role in evaluating and managing unique insurance risks. Our professionals are responsible for underwriting and overseeing a segment of an Underwriter's portfolio, facilitating both renewal and new business initiatives while working towards achieving...

  • Commercial Credit Underwriter

    2 weeks ago

    Atlanta, Georgia, United States Truist Full time

    Commercial Credit UnderwriterTruist Financial Corporation is in search of a skilled Commercial Credit Underwriter to oversee the evaluation and approval process for commercial clients. The role involves assessing creditworthiness, structuring financing solutions, and documenting client agreements, as well as analyzing financial documents and managing...

  • Credit Risk Officer II

    2 days ago

    Atlanta, Georgia, United States Truist Full time

    Job SummaryWe are seeking a highly skilled Credit Risk Officer II to join our team at Truist. This role will be responsible for supporting wholesale credit risk through individual assignments in Portfolio Risk Monitoring, Issues Management, training and communications, as well as providing effective leadership within the team and/or to a team of direct...

  • Fine Art Underwriting Specialist

    21 hours ago

    Atlanta, Georgia, United States Novatae Risk Group Full time

    Job DescriptionThe Fine Art Underwriter position is a unique blend of underwriting and underwriting assistant duties. As a key member of our team at Novatae Risk Group, you will be responsible for technical underwriting and assistant functions associated with underwriting Fine Art risks. We are open to training in the fine art space and will consider...

  • Commercial Credit Underwriter

    6 days ago

    Atlanta, Georgia, United States Truist Full time

    Commercial Credit UnderwriterTruist Financial Corporation is in search of a skilled Commercial Credit Underwriter to oversee the evaluation and approval process for commercial clientele. Key responsibilities encompass assessing, structuring, and documenting client transactions, scrutinizing financial statements, and managing designated portfolios. The...

  • Underwriting Market Director

    2 months ago

    Atlanta, United States Elevance Health Full time

    Elevance Health - Underwriting Market Director - ATLANTA, Georgia Location: Elevance Health operates in a Hybrid Workforce Strategy, providing various levels of flexibility while also ensuring that associates have opportunities to connect in-person. Unless in a designated virtual-eligible role and specified as primarily virtual by the hiring manager,...