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Credit Risk Associate Jobs in Commerce, MI (NOW HIRING)

Carhartt

Sr. Manager, Credit

Dearborn, MI · Hybrid

... customer risk assessment, and cross-functional partnership with Sales, FP&A, Legal, IT ... Associate Responsibilities * Lead and develop the credit, collections, and deductions/chargebacks ...

Carhartt

Sr. Manager, Credit

Dearborn, MI · On-site

... customer risk assessment, and cross-functional partnership with Sales, FP&A, Legal, IT ... Associate Responsibilities * Lead and develop the credit, collections, and deductions/chargebacks ...

PNC Bank

C&IB Associate Relationship Manager

Troy, MI

As a(n) C&IB Associate Relationship Manager within PNC's Commercial Banking organization, you will ... As defined with the business, demonstrates ability to analyze, evaluate and mitigate credit risk by ...

Bank of America

Credit Officer II

Auburn Hills, MI · On-site

... junior associates, including analysis of financial performance and preparation of approval ... Drives credit and risk approval processes for new credit originations, renewals, increases, and ...

Bank of America

Credit Officer II

Rochester Hills, MI · On-site

... junior associates, including analysis of financial performance and preparation of approval ... Drives credit and risk approval processes for new credit originations, renewals, increases, and ...

Bank of America

Credit Officer II

Pontiac, MI · On-site

... junior associates, including analysis of financial performance and preparation of approval ... Drives credit and risk approval processes for new credit originations, renewals, increases, and ...

LG Electronics

Sr. Accountant

Troy, MI

$70K - $88K/yr

Analyze financial statements in conjunction with credit risk assessments. Assess and determine the ... OR associate degree in a related field, with at least seven years of relevant accounting experience ...

LSPedia Inc

Collection Specialist

Farmington, MI · On-site

$18.25 - $24.50/hr

Key Responsibilities * Review customer credit profiles and monitor account risk exposure ... Associate's or Bachelor's degree in Accounting, Finance, Business Administration, or related field ...

LG Electronics

Sr. Accountant

Troy, MI · On-site

$70K - $88K/yr

... credit risk assessments. • Assess and determine the overall creditworthiness of customers. • ... OR associate degree in a related field, with at least seven years of relevant accounting experience ...

Community Choice Credit Union

BSA Specialist

Warren, MI · On-site

$57K/yr

Preferred Qualifications * Associate's Degree. * Experience with BSA monitoring systems and ... risk mitigation, and the overall success of the Credit Union. Ready to make an impact? Apply today ...

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All JobsCredit Risk Associate JobsCredit Risk Associate Jobs in Commerce, MI

Credit Risk Associate information

See Commerce, MI salary details

$44.9K

$98.1K

$164.3K

How much do credit risk associate jobs pay per year?

As of Jun 20, 2026, the average yearly pay for credit risk associate in Commerce, MI is $98,120.00, according to ZipRecruiter salary data. Most workers in this role earn between $67,300.00 and $127,500.00 per year, depending on experience, location, and employer.

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

To thrive as a Credit Risk Associate, you need strong analytical skills, attention to detail, and a solid understanding of financial statements, typically backed by a degree in finance, economics, or a related field. Familiarity with risk assessment software, credit modeling tools, and proficiency in Excel or similar data analysis programs are essential technical requirements. Strong communication, problem-solving abilities, and sound judgment help you effectively collaborate with stakeholders and make informed recommendations. These skills and qualities are crucial for accurately assessing creditworthiness and minimizing financial risk for the organization.

What does a Credit Risk Associate do?

A Credit Risk Associate is responsible for assessing and managing the risk that a borrower may default on a loan or credit obligation. They analyze financial statements, credit reports, and market data to evaluate the creditworthiness of individuals or companies. Their work helps financial institutions make informed lending decisions, set appropriate credit limits, and comply with regulatory requirements. Credit Risk Associates also monitor existing credit exposures and may recommend strategies to mitigate potential losses.

What is the difference between Credit Risk Associate vs Credit Analyst?

AspectCredit Risk AssociateCredit Analyst
Required CredentialsBachelor's degree, relevant certifications often preferredBachelor's degree, certifications like CFA or credit-specific courses beneficial
Work EnvironmentFinancial institutions, banks, credit agenciesBanks, investment firms, credit rating agencies
Employer & Industry UsageCommonly used in risk management teamsUsed in credit assessment and lending decisions
Comparison Search IntentUnderstanding risk roles in creditAnalyzing creditworthiness of clients

Both roles involve assessing credit-related information, but Credit Risk Associates focus on managing overall risk exposure, while Credit Analysts evaluate individual creditworthiness. The roles often overlap in skills and industry settings, making them closely related but distinct in scope.

How does a Credit Risk Associate typically collaborate with other teams within a financial institution?

Credit Risk Associates work closely with various departments, including front-office lending teams, compliance, and portfolio management. They regularly communicate with relationship managers to gather client information, and partner with data analysts to assess credit models and risk metrics. This collaborative environment ensures that credit decisions are well-informed and compliant with internal policies. Being proactive and communicative is key, as the role often requires balancing risk assessment with business growth objectives.
What are the most commonly searched types of Credit Risk jobs in Commerce, MI? The most popular types of Credit Risk jobs in Commerce, MI are:
What are popular job titles related to Credit Risk Associate jobs in Commerce, MI? For Credit Risk Associate jobs in Commerce, MI, the most frequently searched job titles are:
What job categories do people searching Credit Risk Associate jobs in Commerce, MI look for? The top searched job categories for Credit Risk Associate jobs in Commerce, MI are:
What cities near Commerce, MI are hiring for Credit Risk Associate jobs? Cities near Commerce, MI with the most Credit Risk Associate job openings:
Credit Risk Associate jobs near you
Infographic showing various Credit Risk Associate job openings in Commerce, MI as of June 2026, with employment types broken down into 2% As Needed, 79% Full Time, 17% Part Time, and 2% Temporary. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $98,120 per year, or $47.2 per hour.
Sr. Manager, Credit

Sr. Manager, Credit

Carhartt

Dearborn, MI • Hybrid

Other

Posted 9 days ago

Carhartt rating

8.0

Company rating: 8.0 out of 10

Based on 28 frontline employees who took The Breakroom Quiz

Job description

Position Details:
Title: Sr. Manager, Credit
Department: Accounting
Reports to: Director, Finance - CCG/NAWS
Location: Dearborn
Job Classification: Hybrid
FLSA Status: Exempt
Job Band: Manager
Job Summary
The Sr. Manager, Credit plays a critical role in the Company's financial success by establishing credit policies, optimizing risk adjusted credit portfolio performance, ensuring timely collections, overseeing resolution of customer chargebacks and enabling profitable revenue growth across the business. This role blends strategic oversight with hands-on management of credit operations, analytics, customer risk assessment, and cross-functional partnership with Sales, FP&A, Legal, IT, Distribution and Customer Care. Success in this position requires robust business acumen and a deep understanding of corporate strategies, enabling alignment of departmental objectives with broader organizational goals. The leader is accountable for leveraging artificial intelligence (AI) technologies to optimize decision-making, automate processes, and enhance team performance, while also fostering effective partnerships with Sales leadership to drive revenue growth and customer satisfaction.
Inspired by Hard Work
At Carhartt, the values of hard work-dependability, honesty, and trust-are rooted in the legacy of our founder, Hamilton Carhartt. His commitment to serving hardworking people continues to inspire everything we do. Guided by his legacy and our mission-We serve and protect all hardworking people by building durable products-we remain dedicated to upholding these principles in every decision we make and every product we create.
Associate Responsibilities
  • Lead and develop the credit, collections, and deductions/chargebacks teams, establishing clear goals, KPIs, and performance expectations aligned with the company's broader financial and strategic objectives.
  • Create and maintain credit risk models that reflect strategic growth plans, tailored for unique business unit needs, industry benchmarks, trade reporting insights, and customer relationship history-maximizing credit availability while mitigating unacceptable risk exposure.
  • Assess customer creditworthiness using advanced analytics and AI-driven scoring models. Develop credit policies that balance risk and growth opportunities, and establish clear protocols for holds, escalations, and cross-functional alignment in resolving issues.
  • Collaborate proactively with Sales leadership to align credit strategies with revenue objectives, resolve customer challenges, provide guidance on credit decisions, and benchmark customer and portfolio risk relative to industry peers. Promote open communication and joint problem-solving to enhance customer experience.
  • Drive holistic account management and portfolio health, ensuring customer balances remain within established metrics. Build and maintain policies and processes that incorporate corporate risk tolerance, industry best practices, and operational benchmarks.
  • Oversee and optimize the collections process, leveraging automation and predictive tools to prioritize accounts, anticipate payment behaviors, and improve communication efficiency. Lead cross-functional efforts with Sales, Customer Care, DC Operations, and AR to accelerate dispute resolution and improve cash conversion.
  • Ensure credit and collections operations support corporate financial strategy, integrating an understanding of company priorities and long-term goals into decision-making, policy design, and process enhancements.
  • Develop and refine cash flow forecasts to support Treasury planning. Collaborate with FP&A and Accounting on the analysis of deductions, disputes, and bad debt performance.
  • Champion the adoption of AI and automation technologies, including machine learning models, predictive analytics, AI chatbots, and RPA. Continuously evaluate and evolve department workflows to improve efficiency, accuracy, and service levels.
  • Manage the company's trade credit insurance policy, including policy administration, compliance, reporting, and claims processing with the insurer. Act as primary liaison with our third-party broker.
  • Manage relationships and negotiate contracts with third-party credit reporting services, including Dun & Bradstreet, Creditntell, and similar partners.
Required Education
  • Bachelor's degree in accounting, finance, or related field.
  • Master's degree preferred
Required Skills & Experience
  • 10+ years of experience leading credit, collections, or accounts receivable functions, including establishing customer credit lines, conducting market and industry risk assessments, and participating in credit industry associations (e.g., NACM/CRF).
  • 2-4 years of leadership experience with a track record of developing and attracting talent.
  • Strong analytical, problem-solving, and business acumen, with proficiency in AI-enabled analytics platforms and experience integrating artificial intelligence or automation technologies into credit or operational workflows.
  • Exceptional communication and presentation skills, with the ability to influence decision-making, collaborate across all levels of the organization, and independently create and deliver executive-level presentations.
  • Proven ability to operate in a fast-paced, dynamic environment, managing multiple priorities with strong attention to detail, organizational discipline, and a high degree of accountability.
  • Strong interpersonal and leadership skills, including the ability to motivate teams, influence cross-functional partners, and drive results through collaboration.
  • Experience with ERP systems, including at least two years supporting system reviews or enhancements; SAP experience preferred.
  • Industry experience in consumer goods credit management, apparel or footwear, preferred.
Physical Requirements and Working Conditions
  • Office environment, cubicle setting.
  • Extended periods of time sitting, standing, typing on a computer is required.
  • Able to work some evenings or weekends if necessary.
  • Travel required, less than 25%.
  • This position has a Hybrid location: Associate will work on-site regularly as needed for work activities.
  • Carhartt is a tobacco free workplace.

#LI-HYBRID
We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, ethnicity, disability, religion, national origin, gender, gender identity, gender expression, marital status, sexual orientation, age, protected veteran status, or any other characteristic protected by law.
All associates are required to understand and act in accordance with the Carhartt Core Values. Carhartt reserves the right to change, modify, suspend, interpret or cancel in whole or in any part, the job duties outlined above at any time and without advance notice to the employee.

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