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Director, Credit & Risk
TreviPayOverland Park, United Statesfull_timeVerifiedPosted 15 Jan 2025
About the role
At TreviPay, we believe loyalty begins at the payment. Thousands of sellers use our global B2B payments and invoicing network to provide choice and convenience to buyers, open new markets and automate accounts receivables. With integrations to top eCommerce and ERP solutions and flexible trade credit options, TreviPay brings 40 years of experience serving leaders in manufacturing, retail and transportation. Every day, TreviPay employees are challenged and empowered in a supportive, collaborative, entrepreneurial environment.
At TreviPay, we help our clients grow by streamlining B2B payments with innovative technology, expert services, and working capital solutions designed to improve their customers’ buying experience and also free up funds for expansion. Each year, we facilitate billions in B2B trade credit transactions globally. By taking care of our clients, we ensure their customers are well-served. Our team thrives in a supportive, collaborative, and entrepreneurial environment where daily challenges drive empowerment and success.The Director, Credit & Risk is a senior leadership role helping drive sustainable client-centric growth while managing risk to prescribed levels. This role is responsible for leading teams within the credit & risk department focusing on credit risks associated with originating and maintaining client programs and customer purchasing accounts across several global B2B trade credit programs. This role directly leads a team of commercial underwriters focused on making and managing large dollar judgmental credit decisions informed by robust and ongoing financial analysis. The Director will provide leadership and direction in developing and implementing company credit policies and procedures, fostering collaboration with sales, account management, operations, marketing, and other stakeholders. Responsibilities:As a commercial credit team leader, your role encompasses a variety of responsibilities to ensure the smooth operation and success of your team and the wider organization. Here are the key responsibilities:· Credit Risk Assessment, Team Leadership and Quality Assurance:o Oversee the daily activities of commercial credit underwriters, and others as assigned, who assess and decision commercial credit applications using thorough analysis of financial statements, credit reports, and other relevant information.o Provide training, guidance, and support to team members, fostering professional growth and ensuring high performance.o Ensure all credit decisions align with the company’s risk management policies and procedures.o Ensure that all credit assessments and approvals are conducted in accordance with established guidelines and quality standards.· Strategic Planning and Decision Making:o Contribute to the development and implementation of strategies to manage and mitigate credit risk. o Identify and implement process improvements to enhance efficiency and effectiveness in credit analysis and decision-making.· Stakeholder Communication:o Work closely with other departments such as account management and operations to align credit strategies with business objectives.o Promote maintenance of a strong relationships with clients, providing excellent service and support throughout the credit application process. Requirements:· Advanced educational degree in Accounting, Finance or equivalent; or formal financial analysis training and credit assessment courses· Proficient in commercial business credit philosophy and policies, loan documentation, bankruptcy, and regulatory environment.· Strong team leadership and development skills.· Strong verbal, written, and interpersonal skills.· Strong analytical and problem-solving skills. Preferred Qualifications:· 10y+ commercial lending origination and oversight 7y+ team leadership Experience using credit approval authority of at least $1,000,000· Experience with Moody’s CreditLens· Experience in fraud detection best practices associated with on-line lending.· Experience with international lending.Why you will love working at TreviPay· Competitive salary· Paid parental leave· Generous paid time off· Medical, dental, vision, FSA, Life/AD&D, long and short term disability· 401K matching· Employee referral program
At TreviPay, we help our clients grow by streamlining B2B payments with innovative technology, expert services, and working capital solutions designed to improve their customers’ buying experience and also free up funds for expansion. Each year, we facilitate billions in B2B trade credit transactions globally. By taking care of our clients, we ensure their customers are well-served. Our team thrives in a supportive, collaborative, and entrepreneurial environment where daily challenges drive empowerment and success.The Director, Credit & Risk is a senior leadership role helping drive sustainable client-centric growth while managing risk to prescribed levels. This role is responsible for leading teams within the credit & risk department focusing on credit risks associated with originating and maintaining client programs and customer purchasing accounts across several global B2B trade credit programs. This role directly leads a team of commercial underwriters focused on making and managing large dollar judgmental credit decisions informed by robust and ongoing financial analysis. The Director will provide leadership and direction in developing and implementing company credit policies and procedures, fostering collaboration with sales, account management, operations, marketing, and other stakeholders. Responsibilities:As a commercial credit team leader, your role encompasses a variety of responsibilities to ensure the smooth operation and success of your team and the wider organization. Here are the key responsibilities:· Credit Risk Assessment, Team Leadership and Quality Assurance:o Oversee the daily activities of commercial credit underwriters, and others as assigned, who assess and decision commercial credit applications using thorough analysis of financial statements, credit reports, and other relevant information.o Provide training, guidance, and support to team members, fostering professional growth and ensuring high performance.o Ensure all credit decisions align with the company’s risk management policies and procedures.o Ensure that all credit assessments and approvals are conducted in accordance with established guidelines and quality standards.· Strategic Planning and Decision Making:o Contribute to the development and implementation of strategies to manage and mitigate credit risk. o Identify and implement process improvements to enhance efficiency and effectiveness in credit analysis and decision-making.· Stakeholder Communication:o Work closely with other departments such as account management and operations to align credit strategies with business objectives.o Promote maintenance of a strong relationships with clients, providing excellent service and support throughout the credit application process. Requirements:· Advanced educational degree in Accounting, Finance or equivalent; or formal financial analysis training and credit assessment courses· Proficient in commercial business credit philosophy and policies, loan documentation, bankruptcy, and regulatory environment.· Strong team leadership and development skills.· Strong verbal, written, and interpersonal skills.· Strong analytical and problem-solving skills. Preferred Qualifications:· 10y+ commercial lending origination and oversight 7y+ team leadership Experience using credit approval authority of at least $1,000,000· Experience with Moody’s CreditLens· Experience in fraud detection best practices associated with on-line lending.· Experience with international lending.Why you will love working at TreviPay· Competitive salary· Paid parental leave· Generous paid time off· Medical, dental, vision, FSA, Life/AD&D, long and short term disability· 401K matching· Employee referral program
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