Portfolio Management Credit Manager

Ready to accelerate your career with a company that values initiative, teamwork, and professional development? Capital Automotive (CARS) is searching for a driven and well-rounded Credit Manager to join our dynamic Portfolio Management team. This role will sit at the intersection of credit underwriting, process management and portfolio reporting. You will bring organizational, communication, and problem-solving skills, along with an eye for detail, to the table to help the Portfolio Management team monitor portfolio credit risk.

If you have the desire to work with an industry leader focused on fusing automotive lending with real estate and have a knack for building standards and processes, this is the perfect opportunity to make a significant impact.

Reports to:
Director of Portfolio Management

Manage the company's credit processes and resources that support initial and ongoing credit underwriting, training, and best practices. Identify, report on, and mitigate the company's overall portfolio credit risk. Understand and communicate macro industry trends.

• Evaluate, manage, and communicate the credit risk of the portfolio
• Contribute to and maintain credit analysis standards for Credit Committee (CC) & Investment Committee (IC) memos
• Ensure effective and consistent management and execution of quarterly credit reviews (QCR) and enhanced credit reviews (ECR)
• Manage ongoing credit risk assessment including monitoring portfolio for compliance with lease covenants
• Serve as Credit Subject Matter Expert
• Facilitate communication and collaboration on credit matters between portfolio management, CC, IC, and other departments

• Support the underwriting process on a transactional basis including deal structuring, development and execution of the credit underwriting strategy, and consultation on credit specific legal documentation
• Ensure consistency and accuracy of credit underwriting analysis delivered to CC and IC
• Ad hoc support of pre-LOI credit underwriting

• Participant in and serve as the administrator of CC
• Communicate pertinent information proactively to Portfolio Management Leadership
• Prepare quarterly and ad/hoc analysis for lenders and investors
• Enhance company credit related processes, procedures, and capabilities including leveraging use of AI
• Administer and maximize company utilization of Crowe Portfolio Analyzer for Lenders and Salesforce for portfolio credit reporting and credit risk management
• Training/Recruiting support as directed by PM team

• Diverse Responsibilities:
  Quarterly administration, review and reporting plus ongoing training and transaction support.
• Team
  
  Collaboration:
  
  Work closely with a dedicated team of professionals who are experts in their field and have direct exposure to all departments at Capital Automotive
• Growth Opportunities:
  Capital Automotive supports your career development with training, shadowing, and advancement opportunities
• Innovative Environment:
  Be part of a company that continually adapts and evolves to meet the needs of the automotive retail industry and its clients, including by expanding portfolio investment classes.

We are seeking a candidate with 3–5 years of commercial credit or public accounting experience to support portfolio‑level credit risk management and transaction underwriting. The role focuses on evaluating, monitoring and reporting on tenant credit risk, preparing committee‑level credit analysis, overseeing quarterly and enhanced credit reviews, and supporting deal structuring and credit‑related documentation.

Ideal candidates will have strong financial statement analysis skills, advanced Excel capabilities, and the ability to clearly communicate…