Credit Manager

Credit Manager

Manage and oversee the credit operations department, ensuring timely and accurate adjudication of credit decisions. Lead and manage the underwriting team, providing guidance and support to ensure high performance. Establish and follow Decision Turn Time SLAs for Dealer Service Center. Develop and implement comprehensive underwriting policies and procedures. Function as a collaborator with processors, sales, and external customers, with an obsession with delivering high-quality service. Underwrite loans by performing thorough due diligence analysis and reviewing loan documentation by adhering to company policies, procedures, lending guidelines, structuring loans based on a variety of loan programs offered. Evaluate and analyze complex credit applications to determine risk and make informed approval decisions. Regularly review and analyze funding processes to identify opportunities for efficiency improvements. Ensure underwriting operations comply with regulatory requirements and company standards. Take initiative with a clear business mind providing problem-solving solutions with a collaborative approach while collaborating with appropriate parties associated with the loan, before, during, and after closing. Utilize Microsoft Office and Loan Origination Systems (LOS) to oversee and manage loan applications. Escalate and evaluate loan exceptions to management for review and final decision. Maintain accurate and up-to-date records of all underwriting decisions and documentation. Collaborate with other departments to achieve organizational goals and improve operational efficiency. Manage, mentor, train, and assist a team of both experienced and new underwriters. Provide training and professional development opportunities to underwriting staff. Review loans for completeness, accuracy, compliance, and raise potential risks and concerns, including deficiencies in funding. Deliver excellent customer service and support to dealers and customers regarding financing options. All other job duties as assigned.

Bachelor's degree in Finance, Business, or a related field preferred. Previous experience in underwriting or related financial services is mandatory. Minimum of 5-7 years of underwriting experience, with at least 2-3 years in a managerial role. Proficiency in Microsoft Office (Word, Excel, PowerPoint). Strong familiarity with Loan Origination Systems (LOS). Effective interpersonal skills for working across teams and departments. Excellent analytical, decision-making, and leadership skills. Superior communication and interpersonal abilities. Excellent management and leadership skills. Ability to work on-site at our Dallas, TX office.

Experience in founding, co-founding, or working in a fast-paced startup environment. Experience in Powersports Finance Industry (motorcycle, ATVs UTVs, PWCs). Experience in a FinTech startup. Advanced Professional degree.

KMRF is an Equal Opportunity Employer; employment with KMRF is governed on the basis of merit, competence, and qualifications and will not be influenced in any manner by race, color, religion, gender, national origin / ethnicity, veteran status, disability status, age, sexual orientation, gender identity, marital status, mental or physical disability, or any other legally protected status.