Director of Credit

The role

The Director of Credit will underwrite large-ticket commercial credit files and manage the escalation desk. You will own credit policy, syndication relationships, and leasing transaction structures while coaching the underwriting team.

What you will do

• Underwrite large-ticket commercial credit using audited and CPA-reviewed financials
• Hold delegated signing authority in the sub-$500k band
• Act as a key escalation point for analysts, sales, and vendor partners
• Own exception discipline and documentation
• Manage syndication and capital-markets readiness including diligence packages
• Develop new syndication relationships
• Handle leasing transaction structures including residuals and UCC filings
• Co-own credit policy with the VP Risk
• Monitor portfolio trends including delinquency and loss
• Coach and calibrate first and second line underwriters

Required qualifications

• 6 to 12+ years in commercial credit: equipment leasing, vendor or captive finance, specialty finance, bank ABL, or middle-market commercial lending
• Personally underwritten and signed large-ticket commercial credit: $1M+ single obligor, and comfortable at the $2.5M level
• Genuine leasing background including lease structures, residuals, lessor economics, and documentation
• Syndication experience: buying or selling paper, participations, or forward-flow
• Held delegated credit authority and made calls under time pressure
• Credit judgment on imperfect files: bureau-only, unaudited, private company, thin trade depth, foreign accounting frameworks
• Writing skills for persuasive and decisive credit memos
• AI-first approach to gain incremental productivity

Nice to have

• Formal bank and/or leasing credit training program, CFA, CPA, or equivalent grounding
• Multi-jurisdiction and multi-currency underwriting, especially UK/EU/Canada/Australia
• Experience in a scale-up where the process didn't exist yet and you built it while running it
• SQL or BI comfort
• Exposure to automated decisioning platforms and scorecard governance
• SaaS, hardware, or mixed-ticket experience; or a captive-finance background

About the company

Capchase is a platform for financing enterprise solutions, helping B2B vendors offer deferred and installment payment terms. The company has funded over $2B and operates in 10 markets.