Credit Risk Jobs in Baltimore, MD (NOW HIRING)

Senior Credit Manager

Job Description:

The Senior Credit Manager plays a key role within a large corporate finance organization, overseeing a defined portion of the customer credit portfolio across industrial, foodservice, specialty, export, and grocery channels. This role balances rigorous credit risk analysis with end-to-end order-to-cash oversight and extensive cross-functional collaboration with sales, customer service, supply chain, and corporate collections. Reporting directly to the Director of Finance, the Senior Credit Manager serves as a primary finance contact for customer-related transactions and presents credit recommendations to Senior finance leadership.

Responsibilities:

• Perform detailed credit and financial statement analysis on new and existing customers, including review and interpretation of balance sheets, income statements, and cash flow statements.
• Utilize credit scoring tools in combination with internal profitability data to recommend optimal credit terms that balance risk and commercial opportunity.
• Prepare scheduled credit line reviews and present well-supported recommendations, including written narratives, to executive-level stakeholders.
• Serve as the primary finance oversight for customer-related transactions, including invoicing, payments, collections, deductions, and credit/debit memos.
• Co-supervise one Collection Analyst and provide day-to-day support for collection activities within the assigned customer portfolio.
• Manage blocked orders on a daily basis, evaluating risk and determining whether to release or hold orders to protect cash flow and minimize exposure.
• Identify and drive process improvement opportunities across the order-to-cash cycle to increase efficiency and enhance cash flow performance.
• Maintain accurate and up-to-date customer data within ERP systems, leveraging system functionality to support touchless transactional processing.
• Actively investigate, evaluate, and adopt AI-driven process enhancements within the credit function to modernize workflows and decision-making.
• Partner closely with customers, sales managers, and internal business partners in supply chain and customer service to resolve payment and transactional issues diplomatically and efficiently.
• Collaborate with corporate collections and other finance team members to ensure consistent application of credit policies and risk management practices.
• Contribute to continuous improvement initiatives within the broader finance team by sharing insights from credit analysis and portfolio performance.

Essential Skills:

• Bachelor's degree in Accounting, Business Administration, or Finance.
• Minimum of 3 years of experience in domestic corporate credit analysis.
• Strong financial statement analysis skills, including the ability to interpret balance sheets, income statements, and cash flow statements.
• Demonstrated expertise in credit risk assessment and recommending appropriate credit terms.
• Experience managing customer credit portfolios, including setting and reviewing credit limits.
• Working knowledge of order-to-cash processes, including invoicing, collections oversight, and accounts receivable management.
• Proficiency in credit analysis and credit risk disciplines, including credit and collections activities.
• Solid understanding of accounting and finance principles relevant to corporate credit management.
• Excellent written and verbal communication skills, with the ability to present credit recommendations and analyses to executive leadership.
• Proficiency with MS Office applications for analysis, reporting, and presentation purposes.
• Ability to work cross-functionally with sales, customer service, supply chain, and corporate collections teams.

Additional Skills & Qualifications:

• Experience in a manufacturing, food and beverage, or consumer packaged goods (CPG) credit environment.
• International corporate credit analysis experience, including evaluating global customers and markets.
• Hands-on experience with SAP or other large ERP systems for credit, billing, and accounts receivable processes.
• Hands-on experience with dedicated credit risk systems and tools.
• Familiarity with credit risk monitoring services such as D&B, S&P, Moody's, and Credit Risk Monitor.
• Experience co-supervising, mentoring, or developing collection analysts.
• Exposure to AI-driven process improvement tools within finance or credit functions.
• Experience negotiating alternative credit security options such as guarantees, standby letters of credit (LCs), and UCC filings.
• Background in financial analysis, financial audit, and accounts receivable management.
• Interest in professional development, continuing education, and certifications in credit, finance, or related disciplines.

Work Environment:

The role is based in a modern shared services campus in Baltimore, within a cubicle office setting alongside Finance, Supply Chain, and Customer Service teams, fostering daily cross-functional interaction and collaboration. The position offers a hybrid work arrangement with three days onsite and two days remote each week, providing flexibility while maintaining strong team engagement.

This is a Permanent position based out of Baltimore, MD.

The pay range for this position is $90000.00 - $110000.00/yr.

Core offerings include comprehensive medical, dental, and vision insurance, a 401(k) retirement plan with employer matching, paid time off (PTO), and disability protection

This is a hybrid position in Baltimore,MD.

This position is anticipated to close on Jul 15, 2026.

Aston Carter provides world-class corporate talent solutions to thousands of clients across the globe. Specialized in accounting, finance, human resources, talent acquisition, procurement, supply chain and select administrative professions, we extend the capabilities of industry-leading companies. We draw on our deep recruiting expertise and expansive network to meet the evolving needs of our clients and talent community with agility and excellence. With offices across the U.S., Canada, Asia Pacific and Europe, Aston Carter serves many of the Fortune 500. We are proud to be a ClearlyRated Best of Staffing® Platinum Award winner for both client and talent service.

The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

If you would like to request a reasonable accommodation, such as the modification or adjustment of the job application process or interviewing process due to a disability, please email astoncarteraccommodation@astoncarter.com for other accommodation options.

San Francisco Fair Chance Ordinance: Pursuant to the San Francisco Fair Chance Ordinance, for all positions located in the city and county of San Francisco, we will consider for employment qualified applicants with arrest and conviction records.

Massachusetts Lie Detector: It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Use of Artificial Intelligence (AI): We may use Artificial Intelligence (AI) to support parts of our hiring process, including sourcing, screening, and evaluating candidates. AI helps assess applications and qualifications, but final decisions are made by our hiring team. By applying, you acknowledge and agree that your application may be reviewed using AI tools.