Credit Products Manager (Credit Risk)

Location: Remote from Texas, United States

Salary: $168,368.25–$273,681.00 per year

Company

hirify.global is a banking organization providing corporate and regional commercial banking services.

What you will do

• Oversee first-line credit underwriting, portfolio management, risk monitoring, and credit decisioning across assigned commercial banking businesses.
• Lead and develop underwriters, portfolio managers, credit specialists, and credit analysts.
• Maintain portfolio quality, accurate risk ratings, and alignment with the bank’s risk appetite and business objectives.
• Use portfolio analytics and data-driven insights to identify emerging risks and opportunities and recommend strategy adjustments.
• Collaborate with sales, risk, technology, legal, and compliance teams to support responsible growth and improve credit processes.
• Provide credit risk reporting and portfolio analysis to senior leadership while ensuring regulatory compliance.

Requirements

• 12+ years of first-line credit underwriting, portfolio management, and risk management experience in the financial industry.
• At least 5 years managing teams of credit analysts and underwriters.
• At least 5 years of experience in a specialized commercial, capital markets, or corporate banking line of business.
• Experience with credit bureaus, credit decision engines, underwriting and cash-flow models, income and identity verification, and loss forecasting.
• Strong knowledge of federal and state laws and regulations governing credit decisions and portfolio management.
• Undergraduate education in business, economics, or a related field is preferred; a master’s degree or postgraduate equivalent is also preferred.

Culture & Benefits

• Remote work arrangement from Texas.
• Medical, dental, vision, life, and disability insurance.
• Comprehensive leave program.
• Potential variable incentives, bonuses, commissions, or other awards in addition to base pay.
• Equal opportunity employment and required compliance training.