Senior Credit Manager, Mid-Ticket Credit Underwriting

Altius Search Group

Senior Credit Manager underwriting commercial equipment finance transactions and leading Mid-Ticket Credit Analysts. Balancing portfolio risk, customer needs, and growth while advising Credit Committee and Sales.

Posted 8/11/2026full-timeRemote • Illinois, Iowa, Pennsylvania, Texas • 🇺🇸 United StatesSenior💰 $120,000 - $175,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates extensive expertise in commercial credit underwriting and financial analysis, with a strong focus on equipment finance. Proven leadership in managing and developing underwriting teams while ensuring compliance with credit policies and effective risk assessment.

Highest-signal resume keywords

Commercial Credit UnderwritingFinancial AnalysisEquipment Finance ExperienceLeadership and Team DevelopmentRisk Assessment

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Statement AnalysisCredit Risk AssessmentCash Flow AnalysisTransaction StructuringCredit Policy ApplicationUnderwriting ExperiencePortfolio Trend AnalysisDecision-Making SkillsCredit Memoranda PreparationDue Diligence

Soft Skills

Coaching and MentoringOrganizational SkillsTime ManagementInterpersonal SkillsCommunication Skills

Industry Keywords

Equipment FinanceCommercial LendingFinancial RatiosRisk ManagementCredit CommitteeTransportation EquipmentIndustrial EquipmentManufacturing FinanceFranchise FinanceSpecialty Vehicles

About the role

Key responsibilities & impact

Lead and manage approximately three to six Mid-Ticket Credit Analysts
Establish performance expectations and monitor quality, productivity, consistency, and service levels
Coach, mentor, and develop analysts through feedback, performance reviews, and development meetings
Ensure consistent application and understanding of credit policies
Participate in interviewing, hiring, and onboarding new Credit Analysts
Monitor workflow, turnaround times, attendance, and team activity
Keep senior management informed of team performance and day-to-day activity
Recommend credit policy changes based on underwriting experience and portfolio trends
Ensure credit files and post-funding requests are complete, accurate, and processed promptly
Underwrite commercial equipment finance transactions across industries, markets, and equipment types
Conduct customer due diligence and prepare credit memoranda, financial analyses, approval notes, and presentation materials
Analyze financial statements, tax returns, interim statements, and supporting schedules
Evaluate cash flow adequacy, leverage, liquidity, profitability, working capital, debt-service capacity, and credit risk
Assess qualitative factors including competitive position, operating model, management strength, ownership structure, industry trends, and business risks
Evaluate equipment value, market pricing, depreciation, useful life, remarketing considerations, and residual risk
Develop transaction structures, terms, conditions, and risk ratings
Present credit recommendations to the Credit Committee and senior management
Review credit appeals, post-approval modifications, and post-funding requests
Decision flow transactions accurately and within service expectations
Work with Originators to obtain customer information and provide underwriting-status updates
Partner with Sales to structure transactions balancing credit quality, customer needs, and business objectives
Support Documentation and Funding with nonstandard transaction requirements
Assist Collections with late-payment issues, restructures, or modifications
Provide credit training to Sales and other internal teams
Promote collaboration among Credit, Sales, Operations, Documentation, Funding, and Collections

Requirements

What you’ll need

Minimum 10 years of commercial credit underwriting or risk-management experience
Significant hands-on underwriting experience within the equipment finance industry
Minimum five years of direct leadership or management experience overseeing commercial credit professionals
Minimum five years of equipment finance experience involving both new and used equipment
Expert knowledge of commercial credit underwriting, financial analysis, risk assessment, and equipment finance
Advanced ability to spread and analyze financial statements, tax returns, interim statements, and cash flow
Strong understanding of leverage, liquidity, debt-service coverage, profitability, working capital, and financial ratio analysis
Demonstrated ability to coach, mentor, and develop underwriting teams
Sound judgment and decision-making skills involving complex commercial credit situations
Experience underwriting transactions across transportation, industrial equipment, specialty vehicles, tow and recovery, manufacturing, construction, and franchise finance
Excellent written and verbal communication skills, including presenting recommendations to the Credit Committee and senior management
Strong organizational, planning, and time-management skills
Ability to manage multiple priorities in a fast-paced, high-volume environment
Strong interpersonal skills and ability to collaborate across departments
Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field preferred
Equivalent commercial lending or equipment finance experience may be considered

Benefits

Comp & perks

🌐 Worldwide ❌ Jobs You've Hidden ⭐️ Saved Jobs ✅ Applied Jobs ✉️ Email Alerts 👤 Account Altius Search Group Website LinkedIn All Job Openings 1 - 10 employees 🏥 Healthcare 💼 Consulting 📦 Logistics Healthcare
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Logistics Altius Search Group is a permanent placement executive search firm dedicated to providing personalized and world-class recruiting services for companies and candidates in various industries, particularly in Financial Services and Healthcare. The firm emphasizes the importance of accurate, timely, and reliable communication throughout each stage of the recruiting process, ensuring superior long-term matches. By focusing on understanding the needs of both candidates and clients, Altius Search Group aims to facilitate smooth and successful transitions for new employees. Niche by design, the company prides itself on its deep understanding of its core industry focuses and the local market. Senior Credit Manager, Mid-Ticket Credit Underwriting Job not on LinkedIn 🔥 0 minutes ago 🌽 Illinois, Iowa, +2 more states – Remote 💵 $120k - $175k / year ⏰ Full Time 🟠 Senior 📋 Underwriter Apply Now Customize resume + cover letter Report problem ☆ Save ☑️ Mark as applied ❌ Hide 📋 Description
Lead and manage approximately three to six Mid-Ticket Credit Analysts
Establish performance expectations and monitor quality, productivity, consistency, and service levels
Coach, mentor, and develop analysts through feedback, performance reviews, and development meetings
Ensure consistent application and understanding of credit policies
Participate in interviewing, hiring, and onboarding new Credit Analysts
Monitor workflow, turnaround times, attendance, and team activity
Keep senior management informed of team performance and day-to-day activity
Recommend credit policy changes based on underwriting experience and portfolio trends
Ensure credit files and post-funding requests are complete, accurate, and processed promptly
Underwrite commercial equipment finance transactions across industries, markets, and equipment types
Conduct customer due diligence and prepare credit memoranda, financial analyses, approval notes, and presentation materials
Analyze financial statements, tax returns, interim statements, and supporting schedules
Evaluate cash flow adequacy, leverage, liquidity, profitability, working capital, debt-service capacity, and credit risk
Assess qualitative factors including competitive position, operating model, management strength, ownership structure, industry trends, and business risks
Evaluate equipment value, market pricing, depreciation, useful life, remarketing considerations, and residual risk
Develop transaction structures, terms, conditions, and risk ratings
Present credit recommendations to the Credit Committee and senior management
Review credit appeals, post-approval modifications, and post-funding requests
Decision flow transactions accurately and within service expectations
Work with Originators to obtain customer information and provide underwriting-status updates
Partner with Sales to structure transactions balancing credit quality, customer needs, and business objectives
Support Documentation and Funding with nonstandard transaction requirements
Assist Collections with late-payment issues, restructures, or modifications
Provide credit training to Sales and other internal teams
Promote collaboration among Credit, Sales, Operations, Documentation, Funding, and Collections 🎯 Requirements
Minimum 10 years of commercial credit underwriting or risk-management experience
Significant hands-on underwriting experience within the equipment finance industry
Minimum five years of direct leadership or management experience overseeing commercial credit professionals
Minimum five years of equipment finance experience involving both new and used equipment
Expert knowledge of commercial credit underwriting, financial analysis, risk assessment, and equipment finance
Advanced ability to spread and analyze financial statements, tax returns, interim statements, and cash flow
Strong understanding of leverage, liquidity, debt-service coverage, profitability, working capital, and financial ratio analysis
Demonstrated ability to coach, mentor, and develop underwriting teams
Sound judgment and decision-making skills involving complex commercial credit situations
Experience underwriting transactions across transportation, industrial equipment, specialty vehicles, tow and recovery, manufacturing, construction, and franchise finance
Excellent written and verbal communication skills, including presenting recommendations to the Credit Committee and senior management
Strong organizational, planning, and time-management skills
Ability to manage multiple priorities in a fast-paced, high-volume environment
Strong interpersonal skills and ability to collaborate across departments
Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field preferred
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