Credit Manager - Remote

Job ID: 100766968672Posted: 2026-09-19Location: Draper, Utah, United StatesSalary: $91,700 - $163,700/yearJob Area: Banking & Financial ServicesCompany: UnitedHealth GroupOptum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together.The Credit Manager - Equipment Finance will be responsible for the review and underwriting of equipment finance requests to help the bank build, maintain, and accurately risk grade its solid credit portfolio. This will involve working closely with the leasing relationship manager, credit administration, credit operations, and other credit personnel. Credit Managers lead the recommendation phase of new loan requests and annual reviews.You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges.For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.Primary Responsibilities:Analyze new equipment lease requests and perform periodic reviews on existing equipment leasesConduct analysis of financial statements and assess overall credit risk of new and existing loans and leasesTake lead role in presenting analysis, findings, and recommendations to Credit Administration, Relationship Manager, and other members of the Credit teamLead the creation of credit underwriting memos which analyze the credit request, the borrower, financial and credit information, repayment sources, risks and mitigation, collateral, and compliance with applicable regulations and policies Be knowledgeable of policies, guidelines, procedures, regulations and systems applicable to the credit function Assess and recommend risk ratings for underwritten leasesAssist with portfolio management and monitoringDevelop and maintain positive relationships with internal and external clientsAssist with training and mentoring of other analysts and underwritersAssist with special projects and complete other duties as assignedYou'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in. Required Qualifications:Bachelor's degree in Finance, Accounting, Economics, or Business from an accredited institution 5+ years of experience analyzing business tax returns and financial audits using generally accepted accounting principles (GAAP)5+ years of experience analyzing business and personal financial statements associated with lease requests3+ years of experience working in a credit or lending role with a commercial bank 2+ years of experience making or recommending credit decisions on transactions > $5 million 2+ years of experience underwriting equipment leases and reviewing loan/lease documentsPreferred Qualifications:Advanced degree in a business-related field from an accredited institution (MBA, MRED, MSF, MACC, etc.)Completion of a formal commercial credit training program Experience working out problem equipment leases*All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter PolicyPay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $91,700 - $163,700 annually based on full-time employment. We comply with all minimum wage laws as applicable.Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.