Director of Credit

Capchase
United States
Workplace: RemoteFull timeFunction: Banking, Lending & CreditExperience: 6-12 yearsSkills: ["Decision-making","Written communication","Mentoring","Stakeholder management"]

Own end-to-end credit underwriting for Capchase’s largest equipment-financing files, combining AI-assisted spread analysis with hands-on credit memo writing and committee defense. Hold delegated authority and serve as a key escalation point while building syndication and capital-markets readiness standards. Bring real leasing experience to structure cross-border transactions, co-own credit policy and portfolio monitoring, and coach underwriters to raise large-ticket quality and speed-to-decision.

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Capchase
Capchase
2 days ago

Director of Credit

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Job Summary

Own end-to-end credit underwriting for Capchase’s largest equipment-financing files, combining AI-assisted spread analysis with hands-on credit memo writing and committee defense. Hold delegated authority and serve as a key escalation point while building syndication and capital-markets readiness standards. Bring real leasing experience to structure cross-border transactions, co-own credit policy and portfolio monitoring, and coach underwriters to raise large-ticket quality and speed-to-decision.
Location: United States
Workplace: Remote
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Sr. Director level

Key Responsibilities

  • •Underwrite and structure large-ticket credit personally, including spread analysis of CPA/audited financials using AI and writing credit memos and defending them to Credit Committee.
  • •Hold delegated credit authority in the sub-$500k band and act as the key escalation point with disciplined exception handling and documentation.
  • •Set the external credit-file standard for capital-markets partners (external memo format, diligence package, grading consistency) and manage referrals to partners.
  • •Apply leasing instincts to transaction structure, including residual assumptions, guaranties, UCC filings/collateral perfection, and cross-border structure and restricted-jurisdiction carve-outs.
  • •Co-own credit policy and portfolio monitoring (rating tiers, limit formulas, watch lists/delinquency/loss trends) and coach/calibrate underwriters for improved quality and time-to-decision.

Key Requirements

  • •6 to 12+ years in commercial credit (equipment leasing, vendor/captive finance, specialty finance, bank ABL, or middle-market commercial lending).
  • •Personally underwritten and signed large-ticket commercial credit (at least $1M+ single obligor) and comfortable at the $2.5M level.
  • •Genuine leasing background, including lease structures, residuals, lessor economics, and documentation.
  • •Syndication experience buying/selling paper, participations, or forward-flow; knows how third-party credit committees require decisions.
  • •Credit judgment on imperfect files and ability to write persuasive, sourced memos that survive external review under time pressure.
Experience:6-12 yearsEquipment leasingCommercial creditSyndicationCapital marketsCredit underwritingFinancing
Skills:Decision-makingWritten communicationMentoringStakeholder management
Certifications:CFACPA
Tech Stack:AISQLBITaktile

Company Brief

Capchase
Provides non-dilutive growth capital, embedded vendor financing and revenue-acceleration tools for B2B SaaS, cloud and hardware vendors, enabling vendors to offer installment payments while receiving upfront contract value.
Industry: Fintech Infrastructure
Company Size: Medium (51 to 250 employees)
Revenue: USD 50M to 100M
Growth: Scaleup
Funding: Series B
Headquarters: New York, United States
Founded: 2020
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