Director of Credit

🕒 vor 2 Monaten

🇺🇸 Vereinigte Staaten – Remote

⏰ Vollzeit

🔴 Experte

👔 Direktor

🦅 H1B-Visum-Sponsor

Dieses Unternehmen hat in der Vergangenheit H1B-Visa gesponsert.

👻 Geisterscore 33%

Was es bedeutet: die Wahrscheinlichkeit, dass für diese Stelle niemand wirklich einstellt.So liest du es: 60 % oder höher heißt, wir halten das für einen Geisterjob. Niedrigere Werte sind weniger bedenklich.Warum dieser Wert:

• Seit 78 Tagen offen.
• Kein Gehalt angegeben.

Jetzt Bewerben

Ähnliche Remote-Jobs finden

Capchase

WebsiteLinkedInAlle Stellen

51 - 200 Mitarbeiter

Gegründet 2020

💸 Finanzen

☁️ SaaS

💳 Fintech

💰 €400.000.000 Debt Financing im 2022-07

Finance • SaaS • Fintech

Capchase ist ein Finanztechnologieunternehmen, das B2B SaaS-Unternehmen dabei unterstützt, ihr Wachstum zu beschleunigen, indem es nicht verwässernde Finanzierungen und flexible Zahlungsoptionen bietet. Damit können diese Unternehmen im Voraus bezahlt werden und ihren Kunden die Möglichkeit bieten, in Raten zu zahlen, was den Cashflow verbessert und Verkaufshemmnisse reduziert. Mit einer Reihe von Tools für Zahlungen, Finanzierung und Inkasso ermöglicht Capchase SaaS-Unternehmen eine effiziente Skalierung und eine bessere Kapitalverwaltung, ohne Eigenkapital abzugeben.

Beschreibung

• Underwrite large-ticket commercial credit requests personally, including spreading audited and CPA-reviewed financials with AI • Work with agency and shadow ratings and assess leverage, coverage, liquidity, and quality of earnings • Perform subsidiary-bankruptcy and going-concern checks • Structure transactions using upfront first payments, amortization, compressed exposure windows, guaranties, and vendor recourse • Write credit memos, present them to Credit Committee, and defend recommendations • Hold delegated signing authority for sub-$500k requests • Serve as an escalation point for analysts, sales, and vendor partners and provide timely, documented decisions • Own exception discipline, including qualification, approval, documentation, and monitoring • Establish external memo standards and diligence packages for syndicated and capital-markets transactions • Work with Capital Markets on eligibility criteria, concentration limits, representations and warranties, and repurchase triggers • Manage referrals of above-ceiling and restricted-profile requests to partners and develop syndication relationships • Structure leasing transactions, including FMV versus $1-out, capital versus operating treatment, residual assumptions, soft-cost caps, deferrals, guaranties, UCC filings, and collateral perfection • Handle cross-border structures across licensed non-US markets and restricted-jurisdiction carve-outs • Co-own credit policy with the VP Risk, covering rating tiers, limit formulas, feature eligibility, and approval authority • Monitor watch lists, delinquency and loss trends, and concentration by vendor, industry, and buyer • Partner with systems teams on Taktile rules, bureau inputs, scorecard calibration, and manual-review queues • Use data to determine where human credit judgment adds value versus automated rules • Coach and calibrate first- and second-line underwriters and run credit calibration sessions

🎯 Anforderungen

• 6 to 12+ years in commercial credit, including equipment leasing, vendor or captive finance, specialty finance, bank ABL, or middle-market commercial lending • Personally underwritten and signed large-ticket commercial credit of $1M+ single obligor; comfortable at the $2.5M level • Genuine leasing background, including lease structures, residuals, lessor economics, and documentation • Syndication experience with buying or selling paper, participations, or forward-flow • Delegated credit authority and experience making decisions under time pressure • Credit judgment on imperfect files, including bureau-only, unaudited, private-company, thin-trade-depth, and foreign-accounting cases • Strong credit memo writing able to persuade a committee and satisfy external readers • Daily use of AI for productivity and higher-value tasks • Formal bank and/or leasing credit training, CFA, CPA, or equivalent grounding preferred • Multi-jurisdiction and multi-currency underwriting, especially UK/EU/Canada/Australia preferred • Scale-up experience preferred • SQL or BI proficiency preferred • Exposure to automated decisioning platforms and scorecard governance preferred • SaaS, hardware, mixed-ticket, or captive-finance experience preferred

🏖️ Vorteile

• Diverse team representing over 15 nationalities • Equal opportunity employer • Flexible payment terms and innovation-focused work environment • High autonomy and short distance to decision-making • Opportunity to help accelerate and transform the equipment financing industry

📊 Überprüfen Sie Ihre Lebenslauf-Bewertung für diese Stelle

Verbessern Sie Ihre Chancen auf ein Vorstellungsgespräch, indem Sie Ihre Lebenslauf-Bewertung vor der Bewerbung überprüfen.

Lebenslauf hochladen