Senior Credit Underwriter

Pro Credit Underwriter

Your Impact : This primary responsibility for this role is to evaluate and underwrite larger Pro customer's credit requests. The secondary responsibility is to partner with our third-party financing vendors to ensure decision accuracy and consistency that support our objectives to maximize sales while maintaining portfolio health. The position will also work with internal and external partners to implement risk and underwriting program enhancements. The role has no direct reports and is critical to Lowe's because it will support the broader enterprise initiative to become the #1 omnichannel home improvement retailer.

What You Will Do :

• Evaluates and underwrites larger Pro customer's credit requests including those with complex financial and / or company structures.
• Investigate credit and financial worthiness, prepares credit packages, and approves qualifying customers for appropriate lines within assigned credit authority up to $1 million.
• Prepares credit packages and escalates decisions outside of assigned credit policy to leadership.
• Engages with sales and customer's financial and leadership teams to obtain information to support credit decisions.
• Has direct contact with and effectively communicates with customer's management teams, including C-suite level leadership.
• Works with vendor underwriting team, ensures policies and processes support the high credit line needs of our various Pro Customers.
• Educates internal and external stakeholders on business-to-business credit as it relates to the Pro customer.
• Assists field teams and leadership in escalated credit decisions and make credit recommendations and / or process improvements.
• Recommends qualifying customers for appropriate lines via the company's recourse facility.
• Presents findings, in writing, in a clear and concise manner.
• Supports program enhancements and new programs by providing solutions that support the credit needs of the business as well as comply with all regulatory rules.
• Partners with Asset Protection to implement policies and processes to protect our customers and company for fraud loss.
• Acts as internal credit evangelist to build awareness and execution of programs.

Minimum Qualifications :

Preferred Qualifications :

About Lowe's :

Lowe's Companies, Inc. (NYSE : LOW) is a FORTUNE 50 home improvement company serving approximately 16 million customer transactions a week in the United States. With total fiscal year 2024 sales of more than $83 billion, Lowe's operates over 1,700 home improvement stores and employs approximately 300,000 associates. Based in Mooresville, N.C., Lowe's supports the communities it serves through programs focused on creating safe, affordable housing, improving community spaces, helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information, visit Lowes.com.

Lowe's is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, ancestry, national origin, mental or physical disability or medical condition, sexual orientation, gender identity or expression, marital status, military or veteran status, genetic information, or any other category protected under federal, state, or local law.