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Credit Operations Jobs in Texas (NOW HIRING)

Octane

Supervisor, Credit Operations

Irving, TX · On-site

As part of the Credit Operations team at Octane you will be in charge of managing the day-to-day operations of our associates as they process credit applications and work with dealers to foster ...

Octane

Supervisor, Credit Operations

Irving, TX · On-site

As part of the Credit Operations team at Octane you will be in charge of managing the day-to-day operations of our associates as they process credit applications and work with dealers to foster ...

CMA CGM

Credit Management Professional

Houston, TX · On-site

$63K - $70K/yr

Validate account placement requests received from the GBS Credit & Collections team. * Coordinate ... Support operational readiness and process alignment as part of the CEVA A&O integration planned for ...

Equify

Senior Credit Workout Specialist

Fort Worth, TX · On-site

The Senior Credit Workout Specialist plays a central role in Equify's collections and credit operations, sitting at the intersection of portfolio management and credit underwriting. This position ...

Cotality

Sr Associate, Client Operations

Dallas, TX · Hybrid

About the role The Sr Associate, Client Operations position within the Credit Operations team specializes in conductingdetailed analysis, research, and data analysis to support lenders and consumers ...

Cotality

Sr Associate, Client Operations

Dallas, TX · On-site

About the role The Sr Associate, Client Operations position within the Credit Operations team specializes in conducting detailed analysis, research, and data analysis to support lenders and consumers ...

Wilks Brothers

Credit Analyst I

Fort Worth, TX · On-site

This is a fast-paced position that offers direct exposure to credit, operations, sales, collections, and senior leadership. The ideal candidate is a motivated recent graduate or emerging credit ...

New

Wilks

Credit Analyst I

Fort Worth, TX · On-site

This is a fast-paced position that offers direct exposure to credit, operations, sales, collections, and senior leadership. The ideal candidate is a motivated recent graduate or emerging credit ...

Equify

Credit Analyst I

Fort Worth, TX

This is a fast-paced position that offers direct exposure to credit, operations, sales, collections, and senior leadership. The ideal candidate is a motivated recent graduate or emerging credit ...

New

Wilks

Senior Credit Workout Specialist

Fort Worth, TX · On-site

The Senior Credit Workout Specialist plays a central role in Equify's collections and credit operations, sitting at the intersection of portfolio management and credit underwriting. This position ...

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All JobsCredit Operations JobsCredit Operations Jobs in Texas

Credit Operations information

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How much do credit operations jobs pay per hour?

As of Jul 16, 2026, the average hourly pay for credit operations in Texas is $30.32, according to ZipRecruiter salary data. Most workers in this role earn between $23.51 and $35.62 per hour, depending on experience, location, and employer.

What does credit operations mean?

Credit operations refer to the processes involved in managing and overseeing credit activities within a financial institution, including credit approval, monitoring, collections, and risk assessment. Professionals in this field often use tools like credit scoring systems and require knowledge of lending policies and compliance standards.

What are some common challenges faced in a Credit Operations role, and how can they be addressed?

Professionals in Credit Operations often encounter challenges such as managing large volumes of transactions, ensuring regulatory compliance, and maintaining accuracy under tight deadlines. Addressing these challenges requires strong attention to detail, effective time management, and regular communication with internal teams such as risk, compliance, and sales. Many organizations support their Credit Operations teams with regular training, clear process documentation, and technology solutions to streamline workflows and reduce manual errors.

What are the key skills and qualifications needed to thrive in Credit Operations, and why are they important?

To thrive in Credit Operations, you need strong analytical skills, attention to detail, and a solid understanding of credit risk assessment, often supported by a degree in finance, accounting, or business. Familiarity with credit management software, financial modeling tools, and regulatory compliance systems is typically required. Excellent communication, problem-solving, and organizational skills help professionals effectively manage credit processes and collaborate with clients and internal teams. These skills and qualities are vital to ensure accurate credit evaluation, minimize risk, and maintain smooth financial operations.

What is the difference between Credit Operations vs Credit Analyst?

AspectCredit OperationsCredit Analyst
Primary RoleManages credit processes, risk assessment, and loan approval workflowsAnalyzes credit data to assess borrower risk and make lending recommendations
Required SkillsProcess management, risk assessment, compliance knowledgeFinancial analysis, credit scoring, data interpretation
Work EnvironmentBanking, financial institutions, credit departmentsBanking, lending firms, financial services
CertificationsTypically none required, but certifications like CFA or credit-specific courses helpCertifications like CFA, Credit Risk Certification often preferred

While both roles are integral to the credit industry, Credit Operations focuses on managing credit processes and workflows, ensuring compliance and efficiency. Credit Analysts primarily evaluate individual creditworthiness through data analysis to inform lending decisions. Understanding these differences helps job seekers target the right roles based on their skills and career goals.

What is the highest paying job in credit?

The highest paying roles in credit typically include senior positions such as Credit Director, Vice President of Credit, or Chief Credit Officer, which oversee credit policies and risk management at a strategic level. These roles often require extensive experience, advanced certifications like CFA or CPA, and strong leadership skills, with compensation reflecting their seniority and responsibility.

What are Credit Operations?

Credit Operations refers to the processes and tasks involved in managing a company's credit-related activities, such as evaluating credit applications, monitoring credit limits, processing loans, and ensuring compliance with credit policies. Professionals in Credit Operations work to minimize financial risks by assessing the creditworthiness of clients and maintaining accurate records. They also collaborate with other departments to ensure smooth and efficient financial transactions while adhering to regulatory requirements.

What jobs make $1,000,000 a year?

In credit operations, high-level executive roles such as Chief Credit Officer or Chief Financial Officer can earn over $1 million annually, especially in large financial institutions. These positions typically require extensive experience, advanced degrees, and leadership skills, often supplemented by bonuses and stock options. Most roles in credit operations do not reach this income level, but executive positions in finance can surpass it.

What is the role of credit operations?

Credit operations involve managing and processing credit-related activities such as loan approvals, credit risk assessment, and account monitoring. Professionals in this field ensure compliance with credit policies, utilize tools like credit scoring systems, and often work within financial institutions to support lending functions.
What are popular job titles related to Credit Operations jobs in Texas? For Credit Operations jobs in Texas, the most frequently searched job titles are:
What job categories do people searching Credit Operations jobs in Texas look for? The top searched job categories for Credit Operations jobs in Texas are:
Credit Operations jobs near you
Infographic showing various Credit Operations job openings in Texas as of July 2026, with employment types broken down into 84% Full Time, 15% Part Time, and 1% Nights. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $63,058 per year, or $30.3 per hour.
Supervisor, Credit Operations

Supervisor, Credit Operations

Octane

Irving, TX • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 19 days ago

Job description

Octane is unlocking the power of financial products for merchants and consumers. Our cutting-edge technology and innovative financial products empower businesses with more control and flexibility, enabling them to deliver seamless digital experiences, drive customer loyalty, and build long-term value.
Octane supports merchants throughout the sales cycle: connecting dealerships with high-intent buyers, driving transparent, fast, and easy closings with award-winning technology, and providing on-going customer care with superior loan servicing.
Founded in 2014, Octane supports over 60 OEM partner brands and over 4,000 dealer partners, and has a team of over 600. Visit www.octane.co for more information.
As part of the Credit Operations team at Octane you will be in charge of managing the day-to-day operations of our associates as they process credit applications and work with dealers to foster strong dealer relations and increase funding volume.
Responsibilities:
  • Serve as direct manager for your own team within Operations.
    • Handle timecards, scheduling, as well as PTO and territory coverage.
    • Analyze statistical performance information to identify weaknesses and areas for improvement.
    • Conduct mid year and annual performance reviews.
    • Provide regular and consistent feedback to direct reports.
    • Review, track and record team metrics.
    • Report team performance weekly to Operations Managers.
    • Conduct weekly 1:1 employee evaluations.
    • Schedule weekly team huddles.
  • Drive the team's overall success with a focus on dealer satisfaction while ensuring accuracy, efficiency, an effective work flow, and a positive team environment.
    • Collaborate with management and other Supervisors to determine areas for improvement while maintaining overall consistency in ongoing training and performance expectations.
    • Monitor Quality Assurance audits throughout the month and hold coaching sessions with direct reports as needed.
    • Success will be defined based on department KPIs.
    • Be an agent of change.
  • Inspire and motivate the entire department (not just direct reports), with a focus on core values, individual growth and development and promoting the Company / Team values.
  • Successfully source, hire, and onboard new talent.
    • Coordinate with other stakeholders to ensure company culture and vision understanding, in addition to team member responsibilities.
    • Ensure the team has the necessary resources, training, guidance, and coaching to effectively complete their daily responsibilities to the best of their abilities while ensuring an optimal dealer experience.
  • Identify opportunities to improve alignment of credit policy with business strategy and make recommendations to credit policy and operating procedure improvements as appropriate.
    • Review and monitor SOPs frequently to ensure information is kept up to date.
    • Lead ongoing training sessions with the team to ensure clear understanding.
    • Track and identify individual and team successes.
  • Assist the team with decisioning and underwriting insights along with solutions to loan application hurdles and escalations.
    • Maintain a solid understanding of credit policy, decisioning, and program guidelines.
    • Be able to strongly and effectively communicate with dealerships.
  • Maintain a complete understanding of all escalation processes pertaining to credit applications to assist analysts as needed.
    • Have a thorough understanding of fraud indicators.
    • Be able to manually calculate loan application approvals in certain situations.
    • Work cross functionally with other departments to maintain a complete and accurate vehicle inventory.
  • Be the main point of contact across teams and departments or any new verticals entered.
    • Be able to understand and quickly implement policy and procedure improvements.
    • Work closely with stakeholders from other departments.
    • Identify bugs or breaks in processes/policy and escalate appropriately.
  • Assist and lead the team in establishing, building, and maintaining strong dealer relationships.
    • Gather feedback from dealerships through ongoing conversations and survey results.
    • Identify ways to work more effectively, both internally and with the Sales department, to improve top of funnel and conversion.
    • Work one on one with direct reports to improve their conversational skills to ensure overall dealer satisfaction.
  • Ensure existing operational processes are performing as intended and report/escalate any breaks impacting workflow.
  • Support Operations as needed.
    • Examples include vacation, illness or higher than average volume.
  • Support company objectives and management by performing other duties as assigned.

Requirements:
  • Minimum high school diploma/GED required
  • 5+ years of experience in Loan Underwriting or Loan Processing, preferably in the auto or powersports industry. Must have a thorough understanding of debt-to-income, payment-to-income, and loan-to-value ratios.
  • Must have prior supervisory or managerial experience.
  • Must have experience of building and growing a team (could be in a different industry).
  • Must be able to analyze data and extract valuable insights.
  • Must be hands-on, willing to embrace a "roll up your sleeves" approach to problem solving, must be detail oriented, customer focused and capable of managing multiple tasks.
  • Must exhibit effective written and verbal communication skills.
  • Must be a collaborative, inspirational leader with the ability to motivate team members.
  • Need to be flexible / available for the team as needed. Maybe outside scheduled hours.
  • Must be able to maintain a flexible schedule Monday through Sunday.
  • Must be available to work until 9pm cst on all scheduled days.
  • Must be able to travel for overnight trips.

Preferred Skills:
  • Bachelor's Degree preferred.
  • Powersports or automotive dealership experience preferred.

Benefits:
  • Robust Health Care Plans (Medical, Dental & Vision)
  • Generous Parental Leave
  • Flexible Time Off (FTO) Policy - Time Off When You Need It
  • Retirement Plan (401k) with company match!
  • Educational Assistance/Tuition Reimbursement up to $3K/year
  • Life Insurance (Basic, Voluntary & AD&D)
  • Short Term / Long Term Disability
  • Robust Ancillary benefits including accident insurance, hospital insurance, etc
  • Wellhub (Gympass) Wellness Benefit
  • Recreational Safety Benefit

Disclaimer: The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.
Octane Lending is an equal opportunity employer committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment.

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