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Credit Sales Jobs (NOW HIRING)

Millennium-

Credit Analyst

Delavan, WI · On-site

Provide regular updates to Credit, Sales, Operations, and other internal stakeholders regarding outstanding balances, account status, and issues affecting the order-to-cash process. * Monitor credit ...

Millennium-

Credit Analyst

Delavan, WI · On-site

Provide regular updates to Credit, Sales, Operations, and other internal stakeholders regarding outstanding balances, account status, and issues affecting the order-to-cash process. * Monitor credit ...

Millennium-

Credit Analyst

Delavan, WI · On-site

Provide regular updates to Credit, Sales, Operations, and other internal stakeholders regarding outstanding balances, account status, and issues affecting the order-to-cash process. * Monitor credit ...

Lowe's

District Credit Manager

NY · Remote

$86K - $143K/yr

The primary purpose of this role is to grow retail sales through Lowe's Credit products while achieving performance targets for credit applications, credit sales, and credit penetration. In this role ...

Beacon Funding

BFC Senior Credit Analyst

Chicago, IL · On-site +1

The Senior Credit Analyst plays a critical role across the full credit lifecycle - from ... Effectively communicate with sales staff to facilitate deal flow, and assist in establishing ...

New

Beacon Funding

BFC Senior Credit Analyst

Chicago, IL · On-site +1

The Senior Credit Analyst plays a critical role across the full credit lifecycle - from ... Effectively communicate with sales staff to facilitate deal flow, and assist in establishing ...

New

First Citizens Bank

Credit Analyst I - Wine

Santa Rosa, CA · On-site

$86K - $105K/yr

This position provides support to the credit sales organization, vendor partners and senior management through the underwriting and adjudication of commercial credit applications within the Wine ...

Constrafor

Head of Credit Underwriting

New York, NY · On-site +1

$190K - $210K/yr

Partner closely with Credit, Sales, Legal, Product, and Engineering to ensure risk is embedded into product design, customer onboarding, transaction structuring, and portfolio servicing. * Build and ...

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Credit Sales information

What is credit sales?

Credit sales refer to transactions where goods or services are sold to a customer with the agreement that payment will be made at a later date. Instead of paying cash upfront, the buyer is extended credit by the seller, often with specified payment terms such as 'net 30 days.' This practice helps businesses increase sales and build customer loyalty, but it also involves risks such as delayed payments or defaults. Companies typically manage credit sales through credit policies and regular account monitoring to minimize these risks.

What are the key skills and qualifications needed to thrive as a credit sales professional?

To excel in Credit Sales, you need strong financial analysis skills, a solid understanding of credit risk, and typically a background in finance or business. Familiarity with CRM systems, credit scoring software, and financial modeling tools is often required. Exceptional negotiation abilities, relationship-building, and effective communication are crucial soft skills for success in this role. These competencies allow you to accurately assess clients, manage risk, and drive revenue growth while maintaining strong client relationships.

What are some typical challenges faced by credit sales professionals when managing client relationships?

Credit sales professionals often encounter challenges such as assessing client creditworthiness, negotiating payment terms, and managing overdue accounts. They must balance building strong customer relationships with enforcing company credit policies, which can sometimes lead to difficult conversations about payment delays or credit limits. Effective communication and problem-solving skills are crucial for resolving disputes and maintaining positive, long-term partnerships with clients.

What is the difference between Credit Sales vs Credit Analyst?

AspectCredit SalesCredit Analyst
Primary RoleSell products/services on credit terms to customersAssess creditworthiness and analyze credit data
Required SkillsSales, negotiation, customer relationship managementFinancial analysis, risk assessment, data interpretation
Work EnvironmentSales offices, retail, or corporate settingsFinance departments, banks, or credit agencies
CertificationsSales certifications optionalFinancial certifications like CFA or credit-specific training

While Credit Sales focus on selling products on credit terms, Credit Analysts evaluate the risk of extending credit. Both roles require understanding credit processes, but Credit Sales emphasizes sales skills, whereas Credit Analysts focus on financial analysis and risk assessment.

More about Credit Sales jobs

What are the most commonly searched types of Credit Sales jobs?

The most popular types of Credit Sales jobs are:

What states have the most Credit Sales jobs?

States with the most job openings for Credit Sales jobs include:

What job categories do people searching Credit Sales jobs look for?

The top searched job categories for Credit Sales jobs are:

Credit Sales jobs near you
Infographic showing various Credit Sales job openings in the United States as of August 2026, with employment types broken down into 80% Full Time, 19% Part Time, and 1% Contract. Highlights an 78% Physical, 1% Hybrid, and 21% Remote job distribution.

Senior Credit Manager, Mid-Ticket Credit Underwriting

Altius Search Group

Des Plaines, IL • On-site, Remote

$120K - $175K/yr

Full-time

Posted 8 days ago

Job description

Senior Credit Manager, Mid-Ticket Credit Underwriting
Location: Fully Remote
Position Overview
Our client is seeking an experienced Manager of Mid-Ticket Credit Underwriting to lead a team of commercial credit analysts while maintaining responsibility for complex equipment finance underwriting and credit decisions.
This position combines hands-on underwriting with team leadership, coaching, performance management, workflow oversight, quality assurance, and credit policy development. The Manager will serve as a senior credit resource, advise on complex transactions, review appeals and post-approval modifications, present recommendations to the Credit Committee, and partner with Sales to structure transactions that balance growth, customer needs, and risk.
Key Responsibilities
Team Leadership and Development
  • Lead and manage a team of approximately three to six Mid-Ticket Credit Analysts.
  • Establish performance expectations and monitor quality, productivity, consistency and service levels.
  • Coach, mentor and develop analysts through regular feedback, performance reviews and development meetings.
  • Ensure consistent application and understanding of credit policies across the team.
  • Identify training, performance and leadership-development needs.
  • Participate in interviewing, hiring and onboarding new Credit Analysts.
  • Monitor workflow, turnaround times, attendance and overall team activity.
  • Keep senior management informed of team performance and day-to-day activity.
  • Recommend credit policy changes based on underwriting experience and portfolio trends.
  • Ensure credit files and post-funding requests are complete, accurate and processed promptly.

Credit Underwriting and Decisioning
  • Underwrite commercial equipment finance transactions across a wide variety of industries, markets and equipment types.
  • Conduct customer due diligence and prepare credit memoranda, financial analyses, approval notes and presentation materials.
  • Analyze balance sheets, income statements, cash flow statements, business and personal tax returns, interim financial statements and supporting schedules.
  • Evaluate cash flow adequacy, leverage, liquidity, profitability, working capital, debt-service capacity and overall credit risk.
  • Assess key qualitative factors, including the customer's competitive position, operating model, management strength, ownership structure, industry trends and business risks.
  • Evaluate equipment value, market pricing, depreciation, useful life, remarketing considerations and residual risk.
  • Develop appropriate transaction structures, terms, conditions and risk ratings.
  • Present clear and well-supported credit recommendations to the Credit Committee and senior management.
  • Review credit appeals, post-approval modifications and post-funding requests.
  • Decision flow transactions accurately, consistently and within established service expectations.

Cross-Functional Partnership
  • Work closely with Originators to obtain required customer information efficiently.
  • Provide timely updates regarding the underwriting status of each transaction.
  • Partner with Sales to structure transactions that balance credit quality, customer needs, and business objectives.
  • Support Documentation and Funding with nonstandard transaction requirements.
  • Assist Collections with late-payment issues, restructures or modifications involving mid-ticket accounts.
  • Provide formal and informal credit training to Sales and other internal teams.
  • Promote constructive collaboration among Credit, Sales, Operations, Documentation, Funding and Collections.

Qualifications
  • Minimum of 10 years of commercial credit underwriting or risk-management experience.
  • Significant hands-on underwriting experience within the equipment finance industry.
  • Minimum of five years of direct leadership or management experience overseeing commercial credit professionals.
  • Minimum of five years of equipment finance experience involving both new and used equipment.
  • Expert knowledge of commercial credit underwriting, financial analysis, risk assessment and equipment finance.
  • Advanced ability to spread and analyze financial statements, tax returns, interim statements and cash flow.
  • Strong understanding of leverage, liquidity, debt-service coverage, profitability, working capital and financial ratio analysis.
  • Demonstrated ability to coach, mentor and develop high-performing underwriting teams.
  • Sound judgment and decision-making skills involving complex commercial credit situations.
  • Experience underwriting transactions across multiple industries, including transportation, industrial equipment, specialty vehicles, tow and recovery, manufacturing, construction and franchise finance.
  • Excellent written and verbal communication skills, including experience presenting recommendations to the Credit Committee and senior management.
  • Strong organizational, planning and time-management skills.
  • Ability to manage multiple priorities in a fast-paced, high-volume environment.
  • Strong interpersonal skills and the ability to collaborate effectively across departments.
  • Bachelor's degree in Finance, Accounting, Economics, Business or a related field preferred. Equivalent commercial lending or equipment finance experience may be considered.

Core Competencies
  • Ethical conduct and sound judgment
  • Leadership and team development
  • Credit analysis and risk assessment
  • Attention to detail
  • Communication and collaboration
  • Organization and prioritization
  • Initiative and accountability
  • Research and analytical ability

This is an excellent opportunity for an experienced equipment finance credit professional who enjoys remaining actively involved in underwriting while leading and developing a strong team.

Apply