Commercial Credit Manager

Get started on an exciting career at Element_

Element employees make a difference in the lives of others every day. We are re-defining the fleet management industry to be people first, then business - delivering on our promise of a superior client experience. This takes hard work and innovation, and we need more like-minded people on our team.

What We Need

We are looking for a Commercial Credit Manager who will play a critical part in supporting Element’s profitable growth through the timely completion of high-quality credit underwriting and portfolio management duties.

The Commercial Credit Manager leverages sound credit judgement to contribute to the maintenance, growth and safety of a lease and trade credit portfolio within our US and Canada markets. Our customers are large corporates or Fortune 500.

Are You:
- An experienced Commercial Lender?- Able to balance risk reward through business acumen?- A strong communicator (verbal and written) able to articulate and sell our credit posture internally and externally?

As the Commercial Credit Manager, you are entrusted with the oversight of a portfolio of US and Canadian accounts to ensure they are managed within Element’s risk tolerance. You are expected to champion a customer focused culture to deepen customer relationships, anticipate risks that could lead to deterioration of the portfolio and our position with a customer, recommend appropriate courses of action, while being a key partner to our Commercial teams in supporting profitable growth.

A Day in the Life- Develop a high degree of regional / industry knowledge / expertise and ensure the ongoing quality of the portfolio through review of relevant publications and the assessment of financial reporting packages.- Prepare detailed written analysis of current and prospective commercial customer credit requests in a timely manner, concisely identifying relevant credit risks and mitigating factors; Deals may be more complex, and/or larger clients in nature, including liaising with Fortune 500 clients.-
- Execute ongoing monitoring of assigned portfolio of accounts, completing annual renewals ahead of expirations and identifying potential problem accounts for enhanced monitoring.- Consult regularly with internal clients (i.e., Commercial and Collections teams) and external customers (i.e., building relationships with Fortune 500 executives) as necessary in completing credit-related requests, including underwriting, contract documentation and obtaining necessary deal structure requirements when applicable.- Obtain, investigate, and analyze credit data- Assist other team members on an as-needed basis in support of a “one team” approach to portfolio management.- Adhere to credit and operational policies and procedures, including completion of routine know-your-customer due diligence.

**Requirements**:
- Bachelor’s Degree in Economics, Finance or Accounting. With preferred post graduate qualifications (CFA, CMA, MBA etc.)- Must have experience in US/CAN based commercial lending markets- 7+ years of Commercial underwriting or lending experience in commercial banking, commercial lending/leasing or financial services industries- Strong analytical and problem-solving skills with an ability to analyze, interpret, draw conclusions, and clearly communicate solutions on a variety of issues with consideration given to the strengths and weaknesses of alternative solutions- Capacity to liaise with the C Suite of a Fortune 500 customer- Proficient in business writing- Strong verbal and written interpersonal communication skills with ability to work effectively as a self-starter in a remote team environment#LI-KT1

LI-Hybrid

What’s in it for You
- A culture of innovation, empowerment, decision-making, and accountability
- Comprehensive health and welfare benefits that serve the needs of you and your family and foster a culture of wellness
- Additional benefits and amenities, including paid time-off programs (vacation, sick leave, and holidays)
- Hybrid work environment for most positions

Applicants will be required to undergo a background check only if and after a conditional offer of employment has been extended.
- or call (800) 665-9744._