Chief Credit Officer (Toms River)

Position Overview

A growing financial services organization is seeking a Chief Credit Officer to lead underwriting, credit risk, and portfolio management functions. This executive-level role will be responsible for credit strategy, risk oversight, underwriting performance, and portfolio quality while supporting the company's continued growth. The ideal candidate brings strong leadership experience within commercial lending, alternative finance, fintech, or revenue-based financing environments and can balance disciplined risk management with sustainable business expansion.

Responsibilities

• Lead underwriting, credit, and risk management functions
• Develop and enhance credit policies, risk frameworks, and approval processes
• Oversee portfolio performance, pricing discipline, and risk exposure
• Manage and mentor underwriting and credit teams
• Review and approve high-value or complex transactions
• Partner with executive leadership on growth strategy and risk management
• Monitor portfolio trends, credit quality, and loss mitigation efforts
• Drive process improvements, automation, and underwriting efficiency

Qualifications

• 3+ years of experience in underwriting, credit risk, commercial lending, alternative finance, or fintech lending
• 3+ years of leadership experience managing underwriting or credit teams
• Experience with MCA, revenue-based financing, commercial lending, or similar products
• Strong expertise in cash-flow underwriting, risk assessment, and portfolio management
• Tech-savvy with a high level of comfort using modern financial technology, underwriting platforms, data analytics tools, CRM systems, and workflow automation solutions
• Experience improving underwriting systems, workflows, or credit models preferred
• Excellent analytical, leadership, and decision-making skills

Compensation & Benefits

• $150,000–$200,000 base + bonusdepending on experience
• Performance-based bonus opportunity
• Paid time off
• Executive-level growth and leadership opportunity

About the Employer

A rapidly growing financial services company that provides flexible working capital solutions to small and mid-sized businesses nationwide. The organization combines disciplined risk management, operational excellence, and technology-driven decision-making to deliver efficient funding solutions while maintaining a strong commitment to client service and portfolio performance.

EEO Statement

Topaz HR is an Equal Opportunity Employer, and we do not discriminate on the basis of race, color, religion, gender, national origin, age, disability, or any other status protected by applicable law. We value and are committed to creating an inclusive environment for all employees.