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Commercial Credit Manager Jobs (NOW HIRING)

Conveyance

Commercial Credit Manager

Troy, MI

Commercial Credit Manager A growing Michigan-based community bank is seeking a Commercial Credit Manager to join its Commercial Credit team in Southeast Michigan. This organization was built around ...

Conveyance

Commercial Credit Manager

Troy, MI · On-site

$130K/yr

Senior Credit / Portfolio Manager Position Overview: A well-established, relationship-driven community bank is seeking a Senior Credit / Portfolio Management professional to join its commercial ...

AppleOne

Commercial Credit Manager

Memphis, TN

$90K/yr

Job Summary We are seeking a hands-on Commercial Credit Manager to lead credit risk management and oversee a small AR/Credit team. This role is critical in protecting company assets while supporting ...

E-Solutions

Commercial Credit/nCino Manager

Commercial Credit/nCino Manager Location: Remote The candidate will be a Manager within the Commercial Banking Consulting practice with a focus on Business and Technology Transformation within the ...

E-Solutions

Commercial Credit/nCino Manager

Commercial Credit/nCino Manager Location: Remote The candidate will be a Manager within the Commercial Banking Consulting practice with a focus on Business and Technology Transformation within the ...

E-Solutions

Commercial Credit/nCino Senior Manager

Commercial Credit/nCino Manager Location: Remote The candidate will be a Manager within the Commercial Banking Consulting practice with a focus on Business and Technology Transformation within the ...

Precor

Sr. Credit Manager

Senior Credit Manager The Precor and Peloton Commercial brands are seeking a strategic and highly analytical Senior Credit Manager to lead and scale our global commercial credit and financing ...

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Commercial Credit Manager information

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$25.5K

$67.7K

$129K

How much do commercial credit manager jobs pay per year?

As of Jul 5, 2026, the average yearly pay for commercial credit manager in the United States is $67,658.00, according to ZipRecruiter salary data. Most workers in this role earn between $36,000.00 and $92,500.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Commercial Credit Manager, and why are they important?

To thrive as a Commercial Credit Manager, you need expertise in credit analysis, financial statement interpretation, and risk assessment, often supported by a degree in finance, accounting, or business. Familiarity with credit management software, loan origination systems, and relevant certifications like the Certified Credit Executive (CCE) are common requirements. Strong negotiation, decision-making, and communication skills help build effective client relationships and guide teams. These competencies are essential for minimizing risk, ensuring regulatory compliance, and supporting sound lending decisions within financial institutions.

What are the 5 C's of commercial credit?

The 5 C's of commercial credit are Character, Capacity, Capital, Collateral, and Conditions. These criteria help a Commercial Credit Manager assess a borrower's creditworthiness and risk before approving a loan or credit extension. Understanding and evaluating these factors are essential skills for effective credit management and decision-making.

What does a commercial Credit Manager do?

A Commercial Credit Manager oversees the assessment and approval of credit applications for business clients, analyzing financial statements and credit reports to determine risk. They establish credit policies, monitor credit limits, and work to minimize financial losses while supporting sales growth, often using credit management software and requiring strong analytical skills. The role typically involves collaboration with sales and finance teams and may require relevant certifications such as a credit risk management designation.

How much do commercial credit managers make?

Commercial credit managers typically earn a median annual salary of around $80,000 to $120,000, depending on experience, location, and industry. They often hold certifications such as the Certified Credit Executive (CCE) and use financial analysis tools to assess creditworthiness in their roles.

What job makes $1,000,000 a year?

In the role of a Commercial Credit Manager, earning $1,000,000 annually is uncommon and typically requires executive-level responsibilities, extensive experience, and bonuses or profit-sharing arrangements. Most high-income roles in finance or executive management can reach this level, but it is rare for standard credit management positions to do so without additional compensation components.

What are some common challenges a Commercial Credit Manager faces when assessing loan applications?

A Commercial Credit Manager often encounters challenges such as evaluating incomplete or inconsistent financial documentation from clients, assessing the risk of lending to businesses in volatile industries, and balancing the need for thorough due diligence with tight decision-making deadlines. Additionally, managing relationships with both clients and internal stakeholders, such as underwriters or sales teams, requires strong communication and negotiation skills. Staying updated on market trends and regulatory requirements is also crucial to ensure sound credit decisions and compliance.

What is the difference between Commercial Credit Manager vs Credit Analyst?

AspectCommercial Credit ManagerCredit Analyst
CredentialsBachelor's degree in finance, accounting, or related field; certifications like CAMS or CPA are commonBachelor's degree in finance, economics, or related field; certifications like CFA or credit-specific courses
Work EnvironmentManages credit risk for commercial loans, oversees credit teams, interacts with sales and risk departmentsAnalyzes credit data, assesses risk, prepares reports, often works in credit departments or financial institutions
Employer & Industry UsageUsed in banking, finance, and lending institutions to evaluate large commercial clientsCommon in banks, credit agencies, and financial firms for assessing individual and business creditworthiness

The Commercial Credit Manager focuses on managing credit risk for commercial loans and overseeing credit teams, while the Credit Analyst primarily analyzes credit data and assesses risk. Both roles require similar educational backgrounds and certifications, but their responsibilities and work environments differ slightly, with the manager taking on leadership and strategic oversight.

More about Commercial Credit Manager jobs
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Commercial Credit Manager jobs near you

Commercial Credit Manager

Conveyance

Troy, MI

Full-time

Posted 17 days ago

Job description

Commercial Credit Manager

A growing Michigan-based community bank is seeking a Commercial Credit Manager to join its Commercial Credit team in Southeast Michigan. This organization was built around strong commercial lending fundamentals, relationship-driven banking, and long-term talent development.

This role offers the opportunity to lead and develop a high-performing commercial credit team while helping shape the future direction of the bank's credit culture and talent pipeline. The position is ideal for someone who enjoys mentoring others, balancing strong credit discipline with relationship-focused banking, and supporting strategic growth initiatives.

Core Responsibilities

  • Lead, develop, and manage a team of Portfolio Managers, Credit Analysts, and interns
  • Oversee commercial underwriting and credit analysis processes
  • Ensure adherence to credit policy, risk management standards, and regulatory expectations
  • Support recruiting, onboarding, and training efforts for analysts and interns
  • Partner with leadership to identify and develop future talent across the organization
  • Review complex commercial credit relationships and underwriting presentations
  • Help maintain strong loan quality and compliance standards
  • Collaborate across lending, treasury, and credit functions to support long-term growth

A Look Into the Role

  • Active leadership role with direct involvement in coaching and talent development
  • Opportunity to influence the future structure and development of the commercial credit function
  • Exposure to complex commercial and industrial (C&I) lending relationships
  • Relationship-driven and collaborative culture with strong emphasis on internal growth and development
  • Visible role with interaction across multiple commercial banking teams and leadership groups

What We're Looking For

  • 7–10+ years of progressive commercial banking experience with formal credit training
  • Prior experience in Senior Credit Analyst, Portfolio Management, or Credit leadership roles
  • Strong commercial underwriting and financial analysis background, particularly within C&I lending
  • Demonstrated ability to mentor, coach, and develop junior credit professionals
  • Strong communication, organizational, and leadership skills
  • Ability to thrive in a collaborative, relationship-oriented banking environment
  • Bachelor's degree in Finance, Accounting, or related field