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Credit Manager Jobs in Utah (NOW HIRING)

FINWISE BANK

Credit Analyst

Murray, UT · On-site

The Credit Analyst will work in the Bank's Credit Department reporting to the Director of Portfolio Management and will help support the Credit Department by requesting updated financials from ...

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Credit Manager information

See Utah salary details

$23.2K

$61.6K

$117.4K

How much do credit manager jobs pay per year?

As of Aug 23, 2026, the average yearly pay for credit manager in Utah is $61,594.00, according to ZipRecruiter salary data. Most workers in this role earn between $32,800.00 and $84,200.00 per year, depending on experience, location, and employer.

What does a credit manager do?

A credit manager works in the banking industry or for a lending organization. Their job responsibilities include underwriting or evaluating requests for credit using credit scores, projected profits and losses, and risk factors. People in credit management are responsible for accepting or rejecting loan applications based on these criteria and have the authority to oversee the company’s lending process. The job duties of a credit manager also include creating models to assess creditworthiness, as their ultimate goal is to reduce loss and increase profits from lending. Alternatively, a credit manager can work for a seller, typically a business-to-business or B2B organization, granting trade credit to buyers. Credit managers are responsible for creating models or criteria to assess the creditworthiness of buyers, creating discount or incentive programs for early payment, and managing the credit department of the company. They may also be responsible for credit accounting and collections. Career qualifications include a bachelor’s degree in accounting, business, or a related field.

What does a credit manager do?

A Credit Manager is responsible for overseeing a company's credit policies, assessing the creditworthiness of potential customers, and managing the process of granting credit and collecting payments. They analyze financial data, set credit limits, and help minimize financial risk to the organization. Credit Managers also work closely with sales and accounting teams to ensure that credit terms are followed and that outstanding debts are collected efficiently.

What are some typical challenges credit managers face when assessing credit risk, and how can these be addressed?

Credit Managers often face the challenge of gathering sufficient and reliable financial data to accurately assess the creditworthiness of clients, especially with new or small businesses. Balancing the need for thorough risk analysis with maintaining positive customer relationships is also crucial. To address these challenges, Credit Managers use robust credit scoring systems, maintain clear communication with clients, and stay updated on industry trends to refine their risk assessment strategies. Collaboration with sales and finance teams is essential to align credit policies with organizational goals while minimizing exposure to bad debt.

What is the difference between Credit Manager vs Credit Analyst?

AspectCredit ManagerCredit Analyst
CredentialsBachelor's degree; often certifications like CAM, CCRABachelor's degree; often certifications like CAM, CCRA
Work EnvironmentOversees credit policies, manages teams, interacts with senior managementAnalyzes credit data, assesses risk, prepares reports
Employer & IndustryFinancial institutions, corporations, credit agenciesFinancial institutions, credit bureaus, lending companies

The Credit Manager focuses on overseeing credit policies, managing credit teams, and making high-level credit decisions. In contrast, the Credit Analyst primarily analyzes credit data, assesses risk, and prepares reports to support credit decisions. Both roles require similar credentials and often work within the same industries, but their responsibilities differ in scope and focus.

Is credit management a good career?

Credit management is a stable career that involves assessing creditworthiness, managing credit risk, and ensuring timely collections. It often requires strong analytical skills, knowledge of financial regulations, and proficiency with credit management software. The role can offer advancement opportunities and a steady income in various industries such as banking, finance, and retail.

What is the work of a credit manager?

A credit manager oversees a company's credit policies, evaluates the creditworthiness of clients, and approves or denies credit applications. They analyze financial data, manage credit risk, and ensure timely collection of payments, often using credit management software. Strong analytical skills and knowledge of financial regulations are essential for this role.
More about Credit Manager jobs

What are the most commonly searched types of Credit jobs in Utah?

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What cities in Utah are hiring for Credit Manager jobs?

Cities in Utah with the most Credit Manager job openings:

Credit Manager jobs near you
Infographic showing various Credit Manager job openings in Utah as of August 2026, with employment types broken down into 80% Full Time, 19% Part Time, and 1% Contract. Highlights an 81% Physical, 2% Hybrid, and 17% Remote job distribution, with an average salary of $61,594 per year, or $29.6 per hour.

Credit Strategy Manager - Small Business Line of Credit and Card

UnitedHealth Group

Draper, UT

Full-time

Retirement

Re-posted 8 days ago

UnitedHealth Group rating

7.6

Company rating: 7.6 out of 10

Based on 146 frontline employees who took The Breakroom Quiz

190th of 893 rated healthcare providers

Job description

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together.


The Manager, Credit Strategy & Analytics will play a key role in the development, implementation, and ongoing management of Optum Bank's Small Business Line of Credit and card products. This role partners closely with Product, Risk, Finance, Operations, and Technology teams to develop and optimize credit strategies that drive responsible growth, profitability, and portfolio performance.


The successful candidate will support the full credit lifecycle, including underwriting strategy, credit policy, portfolio management, analytics, and risk governance. Depending on business needs and candidate experience, responsibilities may focus on originations, portfolio management, or a combination of both.


This role requires solid credit risk expertise, strategic thinking, and the ability to translate data-driven insights into business actions. The role will be instrumental in supporting new product launches, portfolio growth initiatives, and the evolution of Optum Bank's small business lending platform.


Primary Responsibilities:

  • Develop, implement, and optimize credit strategies for Small Business Line of Credit and card products, balancing growth, risk, and profitability
  • Support the full credit lifecycle, including underwriting strategy, credit line assignment, account management, portfolio monitoring, and risk optimization
  • Analyze portfolio performance and key risk metrics, including utilization, delinquency, losses, profitability, and emerging risk trends
  • Design, test, and optimize origination and portfolio management strategies to balance growth, customer experience, and risk outcomes
  • Develop reporting, dashboards, and analytical frameworks to support credit, business, and operational decision making
  • Partner closely with Product, Finance, Risk, Compliance, Operations, and Technology teams to support product development, portfolio performance, and strategic initiatives
  • Contribute to credit policy development, governance activities, Credit Committee materials, and regulatory support
  • Perform hands-on analytics using SQL and analytical tools such as Python, SAS, R, or similar technologies to generate actionable business insights
  • Translate complex data into clear recommendations and effectively communicate findings, opportunities, and risks to senior leadership and business partners
  • Support new product development and strategic growth initiatives across Small Business lending products


You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Required Qualifications:

  • Bachelor's degree in Finance, Economics, Statistics, Business, Engineering, or related field
  • 5 years of experience in credit risk, credit strategy, underwriting, portfolio management, or related disciplines
  • Experience in Small Business, Consumer, or Commercial lending
  • Experience developing and interpreting credit policy, credit performance analytics, and risk strategies
  • Working knowledge of automated underwriting or risk decisioning frameworks
  • Demonstrated solid analytical skills; SQL (Python/SAS/R preferred)
  • Demonstrated solid communication skills and ability to work crossfunctionally with Risk, Finance, Product, Operations, and Technology teams


Preferred Qualifications:

  • Experience with Small Business Lines of Credit, Business Cards, SBA Lending or other revolving and Small Business Lending products
  • Experience in both originations and portfolio management 
  • Experience working with fintech lenders, and third-party originators
  • Experience supporting new product launches and growth-stage lending programs
  • Peoplemanagement experience in an analytics or credit function
  • Exposure to credit governance, audits, regulatory examinations, or issue remediation activities
  • Familiarity with SBA lending concepts and underwriting
  • Background in consumer and/or healthcarerelated lending


Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $91,700 - $163,700 annually based on full-time employment. We comply with all minimum wage laws as applicable.


At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.


UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.


UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment.

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