Senior Manager, Commercial Credit Review

Discover Financial
Charlotte, Richmond, Chicago, New York, Plano
Workplace: OnsiteFull timeUSD 182,500 - 208,300 annuallyFunction: Banking, Lending & CreditExperience: 8+ yearsEducation: bachelorsSkills: ["Communication","Stakeholder management","Leadership","Organizational skills","Business partnering"]

Lead and/or participate in continuous testing and targeted credit reviews across assigned commercial lending portfolios. Execute the annual Credit Review plan in a third-line-of-defense capacity by evaluating underwriting quality, borrower monitoring, risk ratings, and portfolio trends. Drive independent oversight for Capital One’s acquisition of Brex by shaping and implementing a tailored assurance framework, while partnering with Brex management and risk stakeholders.

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Discover Financial
Discover Financial
1 month ago

Senior Manager, Commercial Credit Review

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Job Summary

Lead and/or participate in continuous testing and targeted credit reviews across assigned commercial lending portfolios. Execute the annual Credit Review plan in a third-line-of-defense capacity by evaluating underwriting quality, borrower monitoring, risk ratings, and portfolio trends. Drive independent oversight for Capital One’s acquisition of Brex by shaping and implementing a tailored assurance framework, while partnering with Brex management and risk stakeholders.
Location: Charlotte, Richmond, Chicago, New York, Plano
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Manager level

Key Responsibilities

  • •Complete transactional testing to assess client selection, underwriting quality, borrower monitoring effectiveness, and risk rating accuracy.
  • •Analyze portfolio composition to identify trends and risks and provide an opinion on portfolio quality.
  • •Participate in or lead targeted reviews to assess key risks within or across portfolios.
  • •Identify gaps in credit policy, credit processes, and credit risk rating models; identify key and emerging risks.
  • •Communicate results to executive management, regulators, and other stakeholders; build relationships across the three lines of defense.

Pay and Benefits

Salary: USD 182,500 - 208,300 annually

Key Requirements

  • •Bachelor’s degree or military experience.
  • •At least 8 years of direct transactional credit experience (underwriting, workout, risk management, credit review or regulatory).
  • •At least 5 years of experience with traditional cash flow and leveraged lending.
  • •Master’s degree.
  • •Certified Financial Analyst (CFA) or Certified Public Accountant (CPA).
Experience:8+ yearsCredit reviewTransactional creditUnderwritingRisk managementLeveraged lending
Education:Bachelor's
Skills:CommunicationStakeholder managementLeadershipOrganizational skillsBusiness partnering
Certifications:CFACPA

Eligibility

Work Authorization:Authorization required. Sponsorship not provided.

Company Brief

Discover Financial
Provides consumer banking products, credit cards, personal loans, and payment services through the Discover brand. It operates a major U.S. financial network and serves individuals and merchants with lending and digital payment solutions.
Industry: Retail Banking
Company Size: Enterprise (1,001+ employees)
Revenue: USD 10M to 25M
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Riverwoods, United States
Founded: 1985
WebsiteLinkedIn