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Credit Manager Jobs in Columbus, MS (NOW HIRING)

First South Farm Credit

Loan Officer

Starkville, MS · On-site

PREFERRED EXPERIENCE Prefer experience in management of an agricultural production loan portfolio or related practical experience, including Farm Credit experience. DETAILS Salary will be ...

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Credit Manager information

See Columbus, MS salary details

$24.9K

$66.1K

$126.1K

How much do credit manager jobs pay per year?

As of Sep 8, 2026, the average yearly pay for credit manager in Columbus, MS is $66,116.00, according to ZipRecruiter salary data. Most workers in this role earn between $35,200.00 and $90,400.00 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 Columbus, MS?

The most popular types of Credit jobs in Columbus, MS are:

What cities near Columbus, MS are hiring for Credit Manager jobs?

Cities near Columbus, MS with the most Credit Manager job openings:

Credit Manager jobs near you
Infographic showing various Credit Manager job openings in Columbus, MS as of August 2026, with employment types broken down into 1% As Needed, 82% Full Time, 14% Part Time, 2% Contract, and 1% Nights. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $66,116 per year, or $31.8 per hour.

Senior Credit Officer

Columbus, MS • On-site

BankFirst Financial Services
Commercial Banking • 201 - 500 employees
Learn more about BankFirst Financial Servicesexternal

Full-time

This job post has expired today. Applications are no longer accepted.

Job description

BASIC PURPOSE OF POSITION

Serves as a key leader within the bank’s Second Line of Defense, directing the evaluation, structuring, and approval of complex commercial lending relationships. Maintains credit discipline and portfolio quality by serving on executive loan committees, enforcing risk policy, and actively mentoring production lending staff to elevate credit analysis, risk identification, and underwriting standards across the organization.

DUTIES OF POSITION

  • Credit Approval & Portfolio Oversight: Exercise delegated lending authority to evaluate, structure, and approve complex loan requests; serve as a voting member on the Executive Loan Committee for relationships exceeding individual authority limits.

  • Risk Rating & CECL Integration: Ensure portfolio risk rating accuracy aligned with Current Expected Credit Losses (CECL) methodology; partner with lenders and Special Assets to execute proactive workout and exit strategies for deteriorating credits.

  • Policy Exception Management: Review and approve commercial loan policy exceptions, verifying that key mitigating factors are fully documented, tracked, and aligned with overall risk appetite parameters.

  • Lender Mentorship & Capacity Building: Collaborate directly with commercial lenders during pre-flight and deal-structuring stages to refine credit package quality, cash flow analysis, and deal mechanics prior to formal credit submission.

  • Credit Culture & Training: Develop and lead internal training programs on credit fundamentals, collateral valuation, and loan structuring, shifting credit administration from a traditional "policing" function to a strategic partnership without compromising risk standards.

  • Regulatory Compliance & Policy Refinement: Ensure strict adherence to internal Loan Policy, Federal Reserve guidelines, and MS/AL DBCF regulations; assist the Chief Credit Officer (CCO) in refining policies to address emerging concentration risks and evolving market conditions.

EDUCATION, EXPERIENCE & TECHNICAL SKILLS

Education

  • Bachelor’s degree in Finance, Accounting, Economics, or a related business discipline required.
  • Graduation from a recognized Graduate School of Banking (e.g., LSU, Barret, Stonier) preferred.

Experience

  • 12+ years of progressive commercial credit and lending experience, including 5+ years in a senior credit approval role with substantial delegated authority at a peer or larger financial institution.
  • Deep, proven expertise in underwriting complex Commercial Real Estate (CRE) and Commercial & Industrial (C&I) transactions.
  • Experience with Agricultural Lending and SBA (7a/504) or FSA programs preferred.

Technical & Professional Skills

  • Comprehensive knowledge of Federal Reserve and MS/AL DBCF commercial banking regulations.
  • Direct expertise in CRE concentration risk management, stress testing, and CECL frameworks.
  • Advanced credit analysis, deal negotiation, and talent development capabilities.
  • Exceptional communication and interpersonal skills, with a proven ability to deliver firm credit decisions with tact and diplomacy while maintaining a supportive, developmental approach with production 

BankFirst is an EO employer - M/F/Veteran/Disability