E-3 Visa Credit Manager Jobs
Credit Manager roles qualify for E-3 visa sponsorship as specialty occupations requiring a bachelor's degree in finance, accounting, or a related field. The E-3 has no lottery and no annual cap, making it a reliable path for Australian professionals with credit risk, portfolio management, or lending experience.
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Get Access To All JobsABOUT NORTHERN TRUST:
Northern Trust, a Fortune 500 company, is a globally recognized, award-winning financial institution that has been in continuous operation since 1889.
Northern Trust is proud to provide innovative financial services and guidance to the world’s most successful individuals, families, and institutions by remaining true to our enduring principles of service, expertise, and integrity. With more than 130 years of financial experience and over 22,000 partners, we serve the world’s most sophisticated clients using leading technology and exceptional service.
ROLE AND RESPONSIBILITIES:
The Credit Manager will support the Head of Credit Risk and Policy to incorporate environmental, commercial and residential real estate standards into credit risk programs and work closely with the Climate Risk Lead. This role will have responsibility for credit programs that involve leading a loss mitigation team, problem loan procedures, intraday credit guidelines, real estate lending procedures, underwriting guidelines and related credit policies and standards.
The key responsibilities of the role include:
- Develops Credit Risk standards to integrate environmental Risk Management and Reporting into Commercial and Residential Real Estate Lending Programs, owns Problem loan administration standards and standards related to Intraday credit risk
- Manages a team of individual contributors handling problem loans through loss mitigation. Determines staffing needs, makes hiring and firing decisions, handles salary administration, and ensures resources are available to accomplish priorities.
- Conducts the performance management process, identifies training and development needs, and establishes performance standards for the unit.
- Ensure compliance with internal credit policies/procedures, and federal/state banking laws, rules, regulations. Supports interactions with internal partners and regulatory bodies on all elements related to Climate Risk and Real Estate lending programs.
- Ensures that material risk exposures and related issues are reported to the responsible risk governance committees in a timely manner.
- Responsible for dispensing a detailed knowledge of regulations and an awareness of broader banking regulations, market trends, competitor activity and products/services.
- Counsels lenders on specific loan situations and calls problem loans to their attention via stress testing and loan committee governance. Advises senior credit and loan personnel on the company's overall lending policy; noting significant trends and recommending policy changes if necessary.
- Serves as a Risk Representative by participating with approval and other committees as appropriate and independently exercising approval authority, depending on experience
- Oversees the collection, restructuring, and monitoring of troubled loan portfolios
- Provides required documentation and responses to questions on loan portfolios. Keeps abreast of economic, political, and legislative factors that could affect the quality of loan portfolios.
BASIC QUALIFICATIONS:
The successful candidate will benefit from having:
- 10+ years of commercial or real estate lending, or loan underwriting and structuring experience.
- Experience in risk appetite setting, credit metrics development, and establishing limits and thresholds.
- Knowledge of credit analysis, commercial real estate lending policies and procedures, loan documentation requirements, and applicable laws and regulations usually acquired through formal education and previous experience.
- Analytical skills to analyze risk of loan portfolios, and communication skills needed to report to senior management.
- Leadership and organizational skills to determine the unit goals, resources needed, and to assess and develop the skills of the staff.
COMPENSATION:
- Salary Range: $137,400 - 240,400 USD
Salary range is a good faith estimate of base pay. Northern Trust provides a comprehensive benefits package including retirement benefits (401k and pension), health and welfare benefits (medical, dental, vision, spending accounts and disability), paid time off, parental and caregiver leave, life & accident insurance, and other voluntary and well-being benefits. Northern Trust also provides a discretionary bonus program that may include an equity component.
WORKING WITH US:
As a Northern Trust partner, greater achievements await. You will be part of a flexible and collaborative work culture in an organization where financial strength and stability is an asset that emboldens us to explore new ideas.
Movement within the organization is encouraged, senior leaders are accessible, and you can take pride in working for a company committed to assisting the communities we serve! Join a workplace with a greater purpose.
We’d love to learn more about how your interests and experience could be a fit with one of the world’s most admired and sustainable companies! Build your career with us and apply today. #MadeForGreater
REASONABLE ACCOMMODATION
Northern Trust is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please email our HR Service Center at MyHRHelp@ntrs.com.
We hope you’re excited about the role and the opportunity to work with us. We value an inclusive workplace and understand flexibility means different things to different people.
Apply today and talk to us about your flexible working requirements and together we can achieve greater.
ABOUT NORTHERN TRUST:
Northern Trust, a Fortune 500 company, is a globally recognized, award-winning financial institution that has been in continuous operation since 1889.
Northern Trust is proud to provide innovative financial services and guidance to the world’s most successful individuals, families, and institutions by remaining true to our enduring principles of service, expertise, and integrity. With more than 130 years of financial experience and over 22,000 partners, we serve the world’s most sophisticated clients using leading technology and exceptional service.
ROLE AND RESPONSIBILITIES:
The Credit Manager will support the Head of Credit Risk and Policy to incorporate environmental, commercial and residential real estate standards into credit risk programs and work closely with the Climate Risk Lead. This role will have responsibility for credit programs that involve leading a loss mitigation team, problem loan procedures, intraday credit guidelines, real estate lending procedures, underwriting guidelines and related credit policies and standards.
The key responsibilities of the role include:
- Develops Credit Risk standards to integrate environmental Risk Management and Reporting into Commercial and Residential Real Estate Lending Programs, owns Problem loan administration standards and standards related to Intraday credit risk
- Manages a team of individual contributors handling problem loans through loss mitigation. Determines staffing needs, makes hiring and firing decisions, handles salary administration, and ensures resources are available to accomplish priorities.
- Conducts the performance management process, identifies training and development needs, and establishes performance standards for the unit.
- Ensure compliance with internal credit policies/procedures, and federal/state banking laws, rules, regulations. Supports interactions with internal partners and regulatory bodies on all elements related to Climate Risk and Real Estate lending programs.
- Ensures that material risk exposures and related issues are reported to the responsible risk governance committees in a timely manner.
- Responsible for dispensing a detailed knowledge of regulations and an awareness of broader banking regulations, market trends, competitor activity and products/services.
- Counsels lenders on specific loan situations and calls problem loans to their attention via stress testing and loan committee governance. Advises senior credit and loan personnel on the company's overall lending policy; noting significant trends and recommending policy changes if necessary.
- Serves as a Risk Representative by participating with approval and other committees as appropriate and independently exercising approval authority, depending on experience
- Oversees the collection, restructuring, and monitoring of troubled loan portfolios
- Provides required documentation and responses to questions on loan portfolios. Keeps abreast of economic, political, and legislative factors that could affect the quality of loan portfolios.
BASIC QUALIFICATIONS:
The successful candidate will benefit from having:
- 10+ years of commercial or real estate lending, or loan underwriting and structuring experience.
- Experience in risk appetite setting, credit metrics development, and establishing limits and thresholds.
- Knowledge of credit analysis, commercial real estate lending policies and procedures, loan documentation requirements, and applicable laws and regulations usually acquired through formal education and previous experience.
- Analytical skills to analyze risk of loan portfolios, and communication skills needed to report to senior management.
- Leadership and organizational skills to determine the unit goals, resources needed, and to assess and develop the skills of the staff.
COMPENSATION:
- Salary Range: $137,400 - 240,400 USD
Salary range is a good faith estimate of base pay. Northern Trust provides a comprehensive benefits package including retirement benefits (401k and pension), health and welfare benefits (medical, dental, vision, spending accounts and disability), paid time off, parental and caregiver leave, life & accident insurance, and other voluntary and well-being benefits. Northern Trust also provides a discretionary bonus program that may include an equity component.
WORKING WITH US:
As a Northern Trust partner, greater achievements await. You will be part of a flexible and collaborative work culture in an organization where financial strength and stability is an asset that emboldens us to explore new ideas.
Movement within the organization is encouraged, senior leaders are accessible, and you can take pride in working for a company committed to assisting the communities we serve! Join a workplace with a greater purpose.
We’d love to learn more about how your interests and experience could be a fit with one of the world’s most admired and sustainable companies! Build your career with us and apply today. #MadeForGreater
REASONABLE ACCOMMODATION
Northern Trust is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please email our HR Service Center at MyHRHelp@ntrs.com.
We hope you’re excited about the role and the opportunity to work with us. We value an inclusive workplace and understand flexibility means different things to different people.
Apply today and talk to us about your flexible working requirements and together we can achieve greater.
See all 58+ Credit Manager jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Credit Manager roles.
Get Access To All JobsTips for Finding E-3 Visa Sponsorship as a Credit Manager
Frame your credentials for U.S. lenders
Australian three-year finance degrees are accepted as equivalent to U.S. four-year degrees for E-3 purposes, but your resume should map your APRA-regulated lending experience to U.S. credit frameworks like FDIC or OCC standards so hiring managers immediately see the fit.
Target banks with active LCA filing history
Search DOL's Labor Condition Application disclosure data for employers who have filed LCAs under credit analysis or financial management job titles. These employers already understand the E-3 process and won't be learning sponsorship requirements alongside you.
Use Migrate Mate to find sponsoring employers
Migrate Mate filters Credit Manager roles by E-3 sponsorship history, so you're applying to employers who have sponsored Australians before rather than cold-pitching companies unfamiliar with the visa. Use Migrate Mate's E-3 filing service to handle your LCA and visa paperwork once you have an offer.
Get your LCA certified before your start date
Your employer files the LCA with DOL before you can proceed to consular appointment. LCA certification typically takes seven business days, so push your employer to file as soon as your offer letter is signed to avoid delays that push back your start date.
Address specialty occupation clearly in your offer letter
Consular officers assess whether Credit Manager duties require a specific bachelor's degree. Your offer letter should specify that the role requires a degree in finance, accounting, or economics, not just a general business qualification, to satisfy the specialty occupation standard without an RFE.
Prepare for nonimmigrant intent questions at interview
Credit Manager candidates with long U.S. employment histories or prior immigrant visa inquiries sometimes face harder questioning about ties to Australia. Have documentation of Australian assets, family connections, or professional registrations ready to demonstrate your intent to return.
Credit Manager jobs are hiring across the US. Find yours.
Find Credit Manager JobsCredit Manager E-3 Visa: Frequently Asked Questions
How do I find Credit Manager jobs with E-3 visa sponsorship?
Migrate Mate is the most direct way to search Credit Manager roles filtered by E-3 sponsorship history. Most general job boards don't let you filter by visa type, so you end up applying to roles where the employer has never sponsored an Australian and may decline once the E-3 process is explained. Migrate Mate surfaces employers who have done it before.
How much does it cost to get an E-3 visa?
Migrate Mate's E-3 filing service covers the entire process for $499, including the Labor Condition Application, visa document preparation, and consulate appointment guidance. Traditional immigration lawyers charge $2,000–$5,000+ for the same work. The E-3 has less paperwork than most work visas, so paying thousands for legal help is usually unnecessary.
Does a Credit Manager role qualify as a specialty occupation for the E-3?
Yes. Credit Manager positions qualify when the role requires a bachelor's degree or higher in finance, accounting, economics, or a closely related field. The key is that the degree requirement must be specific to the discipline, not a general business degree. Your offer letter and job description need to reflect that specificity clearly for the consular officer.
How does the E-3 compare to the H-1B for Credit Manager roles?
The E-3 has no lottery and no annual cap, so you can apply any time of year and don't risk being unselected. The H-1B requires entering a lottery where selection is not guaranteed. For Credit Managers with an Australian passport, the E-3 is the faster and more predictable path since there's no waiting for a fiscal year filing window or lottery outcome.
Can I change employers on an E-3 while working as a Credit Manager?
Yes, but you need a new LCA and a new E-3 visa for the new employer. There's no portability provision like the H-1B's AC21, so you can't simply transfer your status. Your new employer files a fresh LCA with DOL, and you'll need a new consular appointment in Australia unless you change status inside the U.S. before your current E-3 expires.
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