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Commercial Credit Manager Jobs (NOW HIRING)

Hayward Lumber

Credit Manager

Monterey, CA · On-site

$70K - $90K/yr

Direct the Company's commercial credit program, including customer credit evaluations, credit limit recommendations, and ongoing account risk management. * Oversee the Company's mechanics' lien ...

Hayward Lumber

Credit Manager

Monterey, CA

$70K - $90K/yr

Direct the Company's commercial credit program, including customer credit evaluations, credit limit recommendations, and ongoing account risk management. * Oversee the Company's mechanics' lien ...

Hayward Lumber

Credit Manager

Monterey, CA · On-site

$70K - $90K/yr

Direct the Company's commercial credit program, including customer credit evaluations, credit limit recommendations, and ongoing account risk management. * Oversee the Company's mechanics' lien ...

MVSB

Credit Manager

Meredith, NH · On-site

$125K/yr

The ideal candidate has strong commercial credit experience, sound judgment, and the ability to ... Manage, coach, and develop credit staff while supporting strong collaboration with lending partners ...

Hayward Lumber

Credit Manager

Monterey, CA · On-site

$70K - $90K/yr

Direct the Company's commercial credit program, including customer credit evaluations, credit limit recommendations, and ongoing account risk management. * Oversee the Company's mechanics' lien ...

MVSB

Credit Manager

Laconia, NH · On-site

$125K/yr

The ideal candidate has strong commercial credit experience, sound judgment, and the ability to ... Manage, coach, and develop credit staff while supporting strong collaboration with lending partners ...

New Hampshire Mutual Bancorp

Credit Manager

Laconia, NH · On-site

The ideal candidate has strong commercial credit experience, sound judgment, and the ability to ... Manage, coach, and develop credit staff while supporting strong collaboration with lending partners ...

Robert Half

Credit Manager

Pasadena, TX · On-site

$35 - $40/hr

We are looking for a Credit Manager to support commercial credit and collections activities for a long-term contract opportunity based in Pasadena, Texas. This role focuses on evaluating customer ...

JM Eagle

Asst Credit Manager

Los Angeles, CA · On-site

$68K - $113K/yr

Strong knowledge of financial statement analysis, commercial credit evaluation, and credit risk management. * Thorough understanding of accounts receivable and commercial collections processes.

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Commercial Credit Manager information

See salary details

$25.5K

$67.7K

$129K

How much do commercial credit manager jobs pay per year?

As of Aug 22, 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?

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 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.

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.
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Cities with the most Commercial Credit Manager job openings:

What are the most commonly searched types of Commercial Credit jobs?

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Commercial Credit Manager jobs near you
Infographic showing various Commercial Credit Manager job openings in the United States as of August 2026, with employment types broken down into 88% Full Time, 11% Part Time, and 1% Contract. Highlights an 81% Physical, 2% Hybrid, and 17% Remote job distribution, with an average salary of $67,658 per year, or $32.5 per hour.

Commercial Credit Manager, Engineering & Construction

M&T Bank

Radnor, PA • On-site

Full-time

Re-posted 6 days ago

M&T Bank rating

7.9

Company rating: 7.9 out of 10

Based on 186 frontline employees who took The Breakroom Quiz

79th of 171 rated banks

Job description

Overview:
The Commercial Credit Manager is responsible for leading a team of credit professionals in evaluating, underwriting, and managing a portfolio of commercial credit relationships. This role involves ensuring adherence to credit policies, maintaining portfolio quality, timely and accurate risk ratings, and collaborating with relationship managers (RM) to support business growth. The position requires strong leadership skills, in-depth credit knowledge, and the ability to make informed decisions to manage and mitigate portfolio risk.
Primary Responsibilities:
  • Lead team that partners proactively with the sales team and is intimately involved throughout the deal process, from deal screen through approval and for the life of the loan. Provide leadership to team as they make recommendations on appropriate credit structures, risk ratings, and perform continuous credit monitoring (CCM) for a portfolio of commercial clients.
  • Provide an independent credit quality assessment of the Bank's largest commercial clients identifying credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues. These assessments include initial analyses of new money and material modifications. Evaluate and determine the ongoing credit risks and corresponding risk rating of commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.
  • Responsible for the day-to-day activities of a Commercial Credit team to include the quality and efficiency of the underwriting of commercial loan analyses, including the accuracy of risk ratings, and quality and efficiency of the CCM activities of the team enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
  • Maintain the quality of analyses produced, based on a program of mentoring the Analysts, Associates and junior team members and reviewing final work prior to submission to appropriate credit authority.
  • May underwrite, monitor, or provide guidance on more complex credit structures.
  • Serve as the point person for assigning new and existing customer relationships, supports team in prioritizing work, and monitors workflow to ensure adequate team coverage.
  • Meet with clients when appropriate.
  • Prepare thoughtful risk assessment of customers on an ongoing basis to identify emerging risks or material changes in customers financial position, including evaluation of compliance with the loan agreement.
  • Provides ongoing training to the team.
  • Maintain work logs and prepare monthly productivity reports for management, and other reports, as needed.
  • Resolve any policy and procedure, accounting or credit issues that occur.
  • Maintain an in-depth knowledge of accounting pronouncements and the effect on Bank credits.
  • Recruits, develops, and retains a highly talented Commercial Credit team.
  • Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations.
  • Understand and adhere to the Company's risk and regulatory standards, policies, and controls in accordance with the Company's Risk Appetite. Design, implement, maintain, and enhance internal controls to mitigate risk on an ongoing basis. Identify risk-related issues needing escalation to management.
  • Promote an environment that supports belonging and reflects the M&T Bank brand.
  • Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
  • Complete other related duties as assigned.

Scope of Responsibilities:
Commercial Credit is responsible for the credit delivery of the Bank's commercial clients. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions.
Ensure that Commercial Credit supports the Regional Credit Officers and various Loan Committees in making timely and informative decisions on credit requests for both new and existing customers, within Bank lending parameters.
Recruits, develops, and retains a balanced team of credit experience to ensure bench strength within the group.
Position interacts on an ongoing basis with senior management both in First and Second lines of defense.
Supervisory/Managerial Responsibilities:
Supervises and mentors a team (typically up to 10) of Commercial Credit professionals.
Education and Experience Required:
Bachelor's degree in Accounting, Finance, or related discipline with 9 years' related experience with three years' work leadership/supervisory experience, or in lieu of degree, a combined minimum of 13 years' higher education and work experience to include a minimum 9 years' related experience with three years' work leadership/supervisory experience.
Strong analytical and decision-making abilities.
Excellent communication and interpersonal skills.
Proficiency in financial modeling and risk assessment tools.
Experience with complex credit structures and syndicated loans.
Ability to lead cross functional teams and manage multiple projects simultaneously.
Familiarity with credit risk rating models and loan / portfolio management systems.
Proficiency in Microsoft Office.
Education and Experience Preferred:
MBA / Advanced Degree or a CPA.
Experience with Capital IQ, FactSet, and Bloomberg.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $163,100.00 - $271,900.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
Location
Radnor, Pennsylvania, United States of America

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