Credit Manager

Vaco is hiring for a Credit Manager role in Greenville, Troy or Tipp City OH.

Direct Hire

Salary: 70-90,000/yr

Job Summary

The Credit Manager is responsible for overseeing the credit granting process, including evaluating the creditworthiness of potential customers, managing existing accounts, and ensuring compliance with established credit policies and procedures. This role will collaborate closely with Sales, Finance, and Operations to mitigate credit risk while supporting overall business objectives.

Key Responsibilities

Credit Analysis

• Evaluate the creditworthiness of potential customers by analyzing financial statements, credit reports, payment history, and other relevant information.
• Assess credit risk and establish appropriate credit limits based on company policies, customer profiles, and industry standards.
• Monitor customer accounts and identify potential credit risks or emerging issues.

Credit Policy & Risk Management

• Develop and implement credit risk policies, procedures, and guidelines to ensure prudent and effective credit decisions.
• Continuously review and update credit policies to reflect changing business needs, market conditions, and risk considerations.
• Provide guidance and training to staff on credit policies, procedures, and best practices.

Portfolio Management

• Monitor the credit portfolio to identify and address potential risks while maintaining appropriate diversification and exposure levels.
• Review and approve credit decisions made by the lending or credit team to ensure alignment with established risk parameters and credit standards.
• Identify trends and opportunities to improve portfolio performance and reduce credit risk.

Reporting & Analysis

• Prepare regular reports on portfolio growth, performance, credit exposure, and risk.
• Analyze credit data to identify trends, opportunities, and areas for improvement.
• Provide recommendations and credit insights to senior management.
• Monitor economic indicators, customer trends, and industry conditions to anticipate changes in credit risk.

Team Management

• Lead and manage the credit department, providing direction, coaching, and support to team members.
• Foster a strong credit culture focused on sound decision-making, risk management, accountability, and customer service.
• Establish performance expectations and support the professional development of the credit team.

Education & Experience

• Bachelor's degree in Finance, Accounting, Business, or a related field .
• MBA or professional certification such as CFA or CPA preferred.
• Previous experience in commercial lending, credit analysis, financial analysis, credit management, or a related field .
• Experience managing credit portfolios and/or leading a credit team preferred.

Knowledge & Skills

• Strong analytical and financial analysis skills, with the ability to interpret financial statements and assess credit risk.
• Strong understanding of credit principles, risk management, and financial markets.
• Proficiency with financial analysis software, credit databases, and Microsoft Office.
• Knowledge of applicable regulatory requirements and credit management best practices.
• Strong communication, decision-making, and problem-solving skills.
• Ability to work independently and collaboratively in a fast-paced environment.

By submitting to this position, you are agreeing to be included in our talent pool for future hiring for similarly qualified positions.


EEO Notice


Vaco by Highspring is an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race (including but not limited to traits historically associated with race such as hair texture and hair style), color, sex (includes pregnancy or related conditions), religion or creed, national origin, citizenship, age, disability, status as a veteran, union membership, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, political affiliation, or any other protected characteristics as required by federal, state or local law.


Vaco by Highspring and its parents, affiliates, and subsidiaries are committed to the full inclusion of all qualified individuals. As part of this commitment, Vaco by Highspring and its parents, affiliates, and subsidiaries will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact View email address on click.appcast.io .


Vaco by Highspring also wants all applicants to know their rights that workplace discrimination is illegal .

Representation Notice


By submitting to this position, you agree that you will be giving Vaco by Highspring the exclusive right to present your as a candidate for the foregoing employment opportunity. You further agree that you have represented information about yourself accurately and have not affirmatively misrepresented your qualifications. You also agree to maintain as confidential, to the fullest extent permitted by law, any information you learn from Vaco by Highspring about the position and you will limit disclosure of information about the position only to the extent necessary to perform any obligations in furtherance of your application. In exchange, Vaco by Highspring agrees to exercise reasonable efforts to represent you through all solicitation, job screening and resume dispersal.

For residents of Ontario, Canada: Based on Highspring's discussions with its Client, Highspring's understanding is that this position for employment is a current vacancy (either through Highspring as a contractor or with the client directly).

Privacy Notice


Vaco by Highspring and its parents, affiliates, and subsidiaries ("we," "our," or "Vaco by Highspring") respects your privacy and are committed to providing transparent notice of our policies.

• California residents may access Vaco by Highspring HR Notice at Collection for California Applicants and Employees here .
• Virginia residents may access our state specific policies here .
• Residents of all other states may access our policies here .
• Canadian residents may access our policies in English here and in French here .
• Residents of countries governed by GDPR may access our policies here .

Additionally, submissions to this position are subject to the use of AI to perform preliminary candidate screenings, focused on ensuring minimum job requirements noted in the position are satisfied. More details about Vaco by Highspring's use of AI can be found here ( ). Further assessment of candidates beyond this initial phase will be conducted by recruiters and hiring managers. Vaco by Highspring does not know and cannot opine on if its client's use of AI products in hiring.

Pay Transparency Notice


Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to:

• the individual's skill sets, experience and training;
• licensure and certification requirements;
• office location and other geographic considerations;
• other business and organizational needs.

With that said, as required by local law, Vaco by Highspring believes that the following salary range referenced above reasonably estimates the base compensation for an individual hired into this position in geographies that require salary range disclosure. The individual may also be eligible for discretionary bonuses.