Credit Portfolio Manager

Responsibilities

• Assess the creditworthiness of new and existing customers by analyzing financial statements, credit reports, and other relevant information.
• Ensure integrity and consistency of the credit process by managing workflow and credit analysis in accordance with Holman’s credit policy.
• Decide credit limits up to $20 million for client leasing and services based on credit quality.
• Document and communicate approvals, enhancements, and declines accurately to Sales.
• Monitor and review customer credit accounts regularly, evaluating changes in exposure and credit profile to identify risks or opportunities for credit limit adjustments.
• Support development and oversee implementation of credit risk management strategies and policies.
• Identify and analyze trends and patterns related to credit risk, and provide recommendations to management for an informed decision on credit risk appetite.
• Outline mitigating measures for potential risks.
• Communicate with customers and prospects to explain credit parameters such as payment and leasing terms, required credit enhancements, and other credit‑related topics.
• Possess in‑depth product knowledge and handle client objections and push‑backs.
• Manage and improve the credit process by applying state‑of‑the‑art credit tools and systems.
• Keep informed of technological improvements (e.g., AI, automation) in the credit industry.
• Actively manage clients on the credit watch list and ensure exposure is managed in line with management’s risk appetite.
• Prepare concise and accurate reports and manage client databases (e.g., Moody’s Credit Lens, Salesforce).
• Guide and support credit analysts, focusing on process improvement, training, and compliance, while providing oversight in a supportive capacity to departmental leadership.
• Act as subject‑matter expert related to credit risk management and financial analysis, providing strategic recommendations, guidance, and insight to credit analysts, departmental staff, Sales team, legal counsel, and senior management.
• Liaise with senior management on a regular basis to discuss critical accounts, bankruptcies, early credit warnings, etc.
• Jointly work with internal and external counsel on clients undergoing structured refinancing procedures (out‑of‑court), Chapter 11 or Chapter 7 proceedings.
• Prepare account statements (e.g., pre‑petition and post‑petition) that can be used by counsel for legal filings.
• Liaise with the internal Vehicle Remarketing team for potential (voluntary or involuntary) asset repossession and remarketing needs.
• Cooperate with legal and contract teams to ensure contracts include relevant credit language based on credit approval.
• Meet regularly with Supply Chain and Accounts Receivables Managers to check clients with high levels of undelivered assets and/or unpaid invoices.

• Bachelor’s degree in Finance, Accounting, or a related field, or equivalent work experience.
• Proficient in various desktop tools, including MS Office programs (Outlook, Excel, Word, PowerPoint, Project, Visio, SharePoint, etc.).

• 3–5+ years’ experience, including 2+ years at a leadership level.
• Demonstrated proficiency in assessing creditworthiness, analyzing financial statements, and conducting credit risk analysis.
• Experience with credit policies, approval processes, and managing credit limits in a B2B environment.
• Knowledge of fleet management industry practices, including leasing, maintenance, and fuel management for fleet vehicles (preferred).
• Experience collaborating with legal teams on structured refinancing, bankruptcy cases, and legal filings.
• Broad and deep technical or functional expertise in one’s area of responsibility or department, with a willingness to acquire knowledge in related areas.
• Developed and implemented processes, methods, and tools to increase efficiency and accuracy.

• Health Insurance
• Vision Insurance
• Dental Insurance
• Life and Disability Insurance
• Flexible Spending and Health Savings Accounts
• Employee Assistance Program
• 401(k) Plan with Company Match
• Paid Time Off (PTO)
• Paid Holidays, Bereavement, and Jury Duty
• Paid Pregnancy/Parental Leave
• Paid Military Leave
• Tuition Reimbursement

Holman provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. If you are a person with a disability needing assistance with the application process, please contact