Credit Risk Manager

Job Title: Credit & Risk Manager

Location: Mclean VA

Schedule: On-sote

Salary: $130-150K (depending on experience)

Type: Direct Hire

Benefits: This position is eligible for dental, medical, vision & 401K match.

Key Responsibilities:

• Evaluate the creditworthiness and financial strength of new and existing commercial customers


• Analyze financial statements, cash flow, credit reports, payment history, project backlog, and contractual obligations


• Establish and monitor credit limits, payment terms, collateral requirements, and risk ratings


• Manage the commercial credit portfolio and identify emerging risks and areas of exposure


• Monitor accounts receivable aging, payment trends, and customer concentration risk


• Review construction-related considerations, including project financing, bonding, retainage, liens, and contractor risk


• Develop and maintain credit policies, approval thresholds, internal controls, and risk-management procedures


• Partner with Finance, Accounting, Legal, Contracts, Sales, and Operations


• Prepare credit-risk reporting and portfolio analysis for senior leadership


• Support collection strategies and escalated high-risk accounts

Qualifications:

• 7+ years of experience in commercial credit, construction finance, risk management, or a related discipline


• Bachelor’s degree in Finance, Accounting, Business, Economics, or a related field


• Strong financial statement, cash-flow, and credit-risk analysis experience


• Knowledge of accounts receivable, collections, and portfolio-risk management


• Advanced Microsoft Excel skills


• Strong analytical, decision-making, and communication abilities

Preferred Experience:

• Construction industry experience is strongly preferred


• Familiarity with construction contracts, bonding, retainage, liens, and project financing


• Government contracting experience is a plus, particularly supporting U.S. federal government or defense-related work


• CFA, FRM, CRC, CBA, or a related professional certification is a plus