Senior Level Credit Representative Jobs
Senior level credit representative jobs place experienced professionals in charge of portfolio oversight, risk decision-making, and the teams or workflows that execute credit strategy. Openings are concentrated across Banking & Financial Services, Investment & Asset Management, and Technology & Software, with a mix of on-site, remote, and hybrid settings, and employers like JPMorganChase, Regions Bank, and Fitch Ratings hiring at this level now.
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Showing 5 of 44+ Senior Level Credit Representative jobs
Make banking a Fifth Third better®
We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.
GENERAL FUNCTION:
The Senior Credit Lead is accountable for active portfolio management leadership, team development, and cre dit risk oversight across a Regional or Industry aligned portfolio within Credit Solutions, combining deep credit expertise with strong leadership capabilities to set strategic portfolio direction, effec tively manage escalations, partner strategically with Banking and Credit Risk stakeholders, and execute portfolio strategy with discipline. The role requires maintaining a forward-looking view of risk, proactively identifying emerging credit issues and industry trends, and acting decisively to protect asset quality, while serving as a trusted advisor to Banking partners, Credit Risk, and Senior Management and fostering a strong risk culture anchored in consistently high standards of credit judgment and execution.
Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for doing the right thing for customers and colleagues and ensuring that actions and behaviors drive a positive customer experience. While operating within the Bank’s risk appetite, achieves results by consistently identifying , assessing, managing, monitoring, and reporting risks of all types.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Maintai n an enterprise level view of portfolio risk with ownership of portfolio themes and risk outcomes across a Regional or Industry portfolio, ensuring proactive, disciplined portfolio management.
Act as the primary point of escalation for complex, higher risk , or sensitive credit situations a nd lead resolution and risk decisioning in partnership with senior stakeholders.
Partner with Ba nking leadership (Regional Presidents, Group Heads, or Coverage Leaders) to understand business strategy, growth objectives , and pipeline dynamics.
Review deal structures, assess borrower viability, and advise on term sheets
Maintain a forward-looking , independent assessment of borrower and portfolio creditworthiness, including early identification of emerging risks.
Drive credit excellence metrics , including asset quality, policy adherence, underwriting quality, risk rating accuracy, problem loan identification, and timely remediation of issues.
Ensure consistent application of credit policy, underwriting standards, and portfolio management practices across team s.
Lead portfolio reviews, risk discussions, and escalation s with Credit Risk, Credit Risk Review, and Senior Management.
Oversee portfolio reporting and ensure delivery of clear, actionable insights and recommendations to senior stakeholders.
Engage with clients and prospects as needed, particularly in comple x or escalated credit situations.
Establish workflow priorities and resource alignment to support effective execution across deal and portfolio activities.
Champion continuous improvement initiatives, special projects, and strategic enhancements to credit and portfolio management processes and systems.
Ensure system integrity, documentation accuracy, and regulatory compliance across the portfolio.
SUPERVISORY RESPONSIBILITY:
Includes the direct and indirect supervision and direction of the day-to-day activities of Credit Solutions professionals . Responsible for providing employees with timely , candid, and c onstru ctive performance feedback. Develop employees to their fullest potential and provide challenging opportunities that enhance employee career growth. Develop the appropriate talent po ol to ensure adequ ate bench strength and succession planning. Recognize and reward employees for accomplishments.
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
Bachelor’s degree in Business , Finance, Accounting, or related field required ; advanced degree preferred.
Minimum of 10 years of experience in commercial credit, portfolio management, underwriting, or credit risk leadership.
Advanced expertise in commercial credit underwriting, structuring, portfolio management, and legal documentation.
Demonstrated experience leading and developing high performing credit teams.
Proven ability to maintain a forward-looking view of portfolio risk and proactively identify emerging credit issues.
Deep knowledge of commercial lending policies, regulatory requirements, and risk governance frameworks.
Strong communication and influence skills across senior internal stakeholders.
Excellent analytical, organizational, and decision making capabilities, including comfort operating in complex or ambiguous environments.
Proficiency with internal banking systems and Microsoft Office tools.
At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.
The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.
Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.
LOCATION - Chicago, Illinois 60606Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.
Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
Make banking a Fifth Third better®
We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.
GENERAL FUNCTION:
The Senior Credit Lead is accountable for active portfolio management leadership, team development, and cre dit risk oversight across a Regional or Industry aligned portfolio within Credit Solutions, combining deep credit expertise with strong leadership capabilities to set strategic portfolio direction, effec tively manage escalations, partner strategically with Banking and Credit Risk stakeholders, and execute portfolio strategy with discipline. The role requires maintaining a forward-looking view of risk, proactively identifying emerging credit issues and industry trends, and acting decisively to protect asset quality, while serving as a trusted advisor to Banking partners, Credit Risk, and Senior Management and fostering a strong risk culture anchored in consistently high standards of credit judgment and execution.
Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for doing the right thing for customers and colleagues and ensuring that actions and behaviors drive a positive customer experience. While operating within the Bank’s risk appetite, achieves results by consistently identifying , assessing, managing, monitoring, and reporting risks of all types.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Maintai n an enterprise level view of portfolio risk with ownership of portfolio themes and risk outcomes across a Regional or Industry portfolio, ensuring proactive, disciplined portfolio management.
Act as the primary point of escalation for complex, higher risk , or sensitive credit situations a nd lead resolution and risk decisioning in partnership with senior stakeholders.
Partner with Ba nking leadership (Regional Presidents, Group Heads, or Coverage Leaders) to understand business strategy, growth objectives , and pipeline dynamics.
Review deal structures, assess borrower viability, and advise on term sheets
Maintain a forward-looking , independent assessment of borrower and portfolio creditworthiness, including early identification of emerging risks.
Drive credit excellence metrics , including asset quality, policy adherence, underwriting quality, risk rating accuracy, problem loan identification, and timely remediation of issues.
Ensure consistent application of credit policy, underwriting standards, and portfolio management practices across team s.
Lead portfolio reviews, risk discussions, and escalation s with Credit Risk, Credit Risk Review, and Senior Management.
Oversee portfolio reporting and ensure delivery of clear, actionable insights and recommendations to senior stakeholders.
Engage with clients and prospects as needed, particularly in comple x or escalated credit situations.
Establish workflow priorities and resource alignment to support effective execution across deal and portfolio activities.
Champion continuous improvement initiatives, special projects, and strategic enhancements to credit and portfolio management processes and systems.
Ensure system integrity, documentation accuracy, and regulatory compliance across the portfolio.
SUPERVISORY RESPONSIBILITY:
Includes the direct and indirect supervision and direction of the day-to-day activities of Credit Solutions professionals . Responsible for providing employees with timely , candid, and c onstru ctive performance feedback. Develop employees to their fullest potential and provide challenging opportunities that enhance employee career growth. Develop the appropriate talent po ol to ensure adequ ate bench strength and succession planning. Recognize and reward employees for accomplishments.
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
Bachelor’s degree in Business , Finance, Accounting, or related field required ; advanced degree preferred.
Minimum of 10 years of experience in commercial credit, portfolio management, underwriting, or credit risk leadership.
Advanced expertise in commercial credit underwriting, structuring, portfolio management, and legal documentation.
Demonstrated experience leading and developing high performing credit teams.
Proven ability to maintain a forward-looking view of portfolio risk and proactively identify emerging credit issues.
Deep knowledge of commercial lending policies, regulatory requirements, and risk governance frameworks.
Strong communication and influence skills across senior internal stakeholders.
Excellent analytical, organizational, and decision making capabilities, including comfort operating in complex or ambiguous environments.
Proficiency with internal banking systems and Microsoft Office tools.
At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.
The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.
Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.
LOCATION - Chicago, Illinois 60606Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.
Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
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Senior Level Credit Representative Jobs: Frequently Asked Questions
How do I get a senior level credit representative job?
Employers at this level want candidates who can own credit decisions independently, manage complex accounts, and guide junior staff through escalations. Demonstrating a history of reducing delinquency rates, improving collections outcomes, or building credit review processes gives you an edge. Tailor your resume to show scope of portfolio managed and any cross-functional leadership, not just task execution.
Which companies hire senior level credit representatives?
Companies hiring senior level credit representatives right now include JPMorganChase, Regions Bank, and Fitch Ratings, based on current listings on Migrate Mate as of November 2026. At this level, hiring tends to come from financial services firms, regional banks, manufacturers with large B2B customer bases, and specialty lenders managing high-volume commercial credit portfolios.
Are there remote senior level credit representative jobs?
Yes, though availability varies by employer and industry. About 35% of senior level credit representative openings are remote or hybrid as of November 2026, reflecting broader adoption of flexible work in credit and financial operations. Fully remote roles are most common at national lenders and fintech companies, while regional banks and manufacturers more often require on-site presence.
What makes a credit representative role senior level?
Senior level credit representative roles involve owning credit risk decisions for complex or high-value accounts rather than processing standard applications. Expectations include developing or refining credit policies, mentoring junior representatives, and collaborating directly with sales, finance, or legal teams. The scope extends beyond transaction handling to shaping how the credit function operates and performs against business goals.
Which industries hire the most senior level credit representatives?
Senior Level credit representative roles concentrate in Banking & Financial Services, Investment & Asset Management, and Technology & Software, based on current listings on Migrate Mate as of November 2026. These sectors drive demand because they manage large volumes of commercial credit, extended payment terms, or complex risk profiles that require experienced professionals to evaluate and oversee rather than entry-level staff processing routine accounts.