Capchase
Director of Credit
United States · Remote · Director · Full-time · Posted Aug 25, 2026
- Experience
- 6 to 12+ years in commercial credit; large-ticket signing experience of $1M+ single obligor and comfort at $2.5M.
About the job
Leads large-ticket commercial credit underwriting and credit policy, while supporting leasing structures, syndication readiness, automated decisioning, and the development of the underwriting team.
What you'll do
- Personally underwrite large commercial credit requests, prepare and defend credit memos, and make delegated-authority decisions and timely escalations.
- Develop syndication standards and relationships; co-own credit policy and monitor portfolio performance and risk.
- Partner on decisioning automation and coach underwriters through calibration and training.
What they ask for
- 6 to 12+ years in commercial credit in equipment leasing, vendor or captive finance, specialty finance, bank ABL, or middle-market commercial lending.
- Personally underwritten and signed $1M+ single-obligor commercial credits, with comfort at the $2.5M level.
- Genuine leasing experience and syndication experience involving purchases or sales of paper, participations, or forward-flow.
- Held delegated credit authority; demonstrates sound judgment on imperfect files, strong credit writing, and daily AI use for productivity.
Nice to have
- Formal bank or leasing credit training, CFA, CPA, or equivalent grounding; multi-jurisdiction or multi-currency underwriting.
- SQL or BI comfort, exposure to automated decisioning and scorecard governance, or experience in a scale-up building processes.
Tools
Taktile, PayNet, D&B/SBFE, Creditsafe, Experian, SQL
AI focus
Use AI daily to improve productivity in large-ticket financial spreading and analysis, freeing time for higher-value credit decisions.
Model-written summary · the original posting is authoritative