H-1B Visa Credit Manager Jobs
Credit Manager roles qualify for H-1B visa sponsorship as specialty occupations requiring at least a bachelor's degree in finance, accounting, or a related field. Large banks, corporate treasury departments, and commercial lenders are among the most consistent H-1B filers for this role. Cap-subject H-1B registrations open each March for an October 1 start date.
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GENERAL FUNCTION:
Manage credit risk for Residential Lending, Direct, Indirect, Credit Card or Small Business. Play a leadership role as a business liaison and team-member with Line of Business decision makers. Provide leadership in the development of scorecards and loan loss forecasts. Provide sound risk guidance based on quantitative fact and experience. The Consumer Credit Risk Manager will play a crucial role in review and assessment of first line strategies as the second line of defense.
Responsible and accountable for risk management by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures 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:
- Ability to access and query a multitude of databases and create and maintain data sets as appropriate.
- Analyze concentrations, product mix, delinquency and loss trending, product optimization, line utilization, originations, whole loan sale performance, etc.
- Consult and challenge strategies for return on risk and improved predictability.
- Prepare and deliver presentations related to recommendations and strategy results to business partners and management.
- Design, develop and interpret complex business and statistical analyses to support management decision-making as it applies to portfolio risk management and evaluation of marketing programs. Optimize risk/reward trade-off to support new risk initiatives and portfolio risk analytics involving relationships among key business drivers.
- Assist in the development of risk-based pricing models and loan loss models involving statistical techniques utilizing SAS, Python, R.
- Demonstrate expertise in consumer credit risk and play a crucial role in review and assessment of first line strategies as the second line of defense.
- Identify and implement opportunities for greater efficiencies, risk controls, and profitability for the respective portfolios.
- Provide Risk guidance & support for Credit Policy.
- Support credit risk assessment related to any future mergers and acquisitions.
- Build strong relationships with Sales Management, Product Development, and Investor Relations with the support of quantitative facts.
- Collaborate with business line leaders to plan and develop credit initiatives.
- Coordinate with quantitative analysts to ensure the development of risk-based pricing models and loan loss models involving statistical techniques.
- Develop, validate, and implement various models used for loss forecasting, portfolio stress testing, account management analysis and other targeted analysis. Perform ad-hoc analysis of consumer portfolios as directed. Report and analyze characteristics of the Consumer Credit lines of business in relation to policies, guidelines and processes.
- Establish close working relationships with the Credit functions of the various Consumer Lending groups, while maintaining independence/objectivity. Monitor and evaluate problem loan statistics. Ensure that appropriate reporting of activity is occurring consistent with Bancorp policy as well as pertinent accounting/regulatory guidance.
- Validation, stress testing and documentation of risk models and assumptions.
- Support automation of business processes and identification of second order and layered risk within the business.
- Identify and communicate potential policy and or operational improvements that will enhance credit quality. Evaluate new consumer risk related data sources and risk analytical tools and develops innovative risk management capabilities and processes.
- Support the overall Bancorp risk management goals within the Consumer Lending Line of Business.
- Support ad-hoc Line of Business requests for quantitative modeling of potential new business.
- Extensive understanding of credit bureau reporting, issues and complaint management, audit and compliance processes.
SUPERVISORY RESPONSIBILITIES:
May supervise others. Responsible for managing a professional staff of exempt Credit Risk Analysts through employee development, challenging opportunities, employee engagement, and talent development. Perform general staff management duties relating to performance evaluations, promotions, salary recommendations, and terminations.
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
- Master’s degree in relevant field (Business, Finance, Statistics, Economics, etc.). An equivalent combination of education/experience will be considered in lieu of a master’s degree.
- Minimum 6-8 years of Consumer Lending experience.
- Excellent analytical, verbal, and written communication skills.
- Detail oriented with strong oral and written communication skills.
- Strong interpersonal skills.
- Ability to build business cases that influence stakeholders to change outcomes.
- Ability to manage backlog and prioritize backlog of tasks, delegating but driving toward successful completion.
- Strong leadership presence.
- Ability to manage strategic relationships and provide sound risk management guidance to internal and external business partners.
- Demonstrated ability to lead analytic projects and drive to completion, including gathering requirements and presenting findings to senior leadership.
- Minimum 6-8 years’ experience in reporting systems, database management and analytics.
- Understanding of credit modeling.
- Expert knowledge of relevant financial institution rules and regulations.
- MS Office proficiency.
- Expertise in one or more statistical software such as SAS, R, Python.
WORKING CONDITIONS:
Potential considerations include:
- Normal office environment with little exposure to dust, noise, temperature, and the like.
- Extended time at desk and/or viewing computer screen.
Consumer Credit Risk Manager
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 or by consulting with your talent acquisition partner.
LOCATION: Cincinnati, Ohio 45242
Attention 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:
Manage credit risk for Residential Lending, Direct, Indirect, Credit Card or Small Business. Play a leadership role as a business liaison and team-member with Line of Business decision makers. Provide leadership in the development of scorecards and loan loss forecasts. Provide sound risk guidance based on quantitative fact and experience. The Consumer Credit Risk Manager will play a crucial role in review and assessment of first line strategies as the second line of defense.
Responsible and accountable for risk management by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures 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:
- Ability to access and query a multitude of databases and create and maintain data sets as appropriate.
- Analyze concentrations, product mix, delinquency and loss trending, product optimization, line utilization, originations, whole loan sale performance, etc.
- Consult and challenge strategies for return on risk and improved predictability.
- Prepare and deliver presentations related to recommendations and strategy results to business partners and management.
- Design, develop and interpret complex business and statistical analyses to support management decision-making as it applies to portfolio risk management and evaluation of marketing programs. Optimize risk/reward trade-off to support new risk initiatives and portfolio risk analytics involving relationships among key business drivers.
- Assist in the development of risk-based pricing models and loan loss models involving statistical techniques utilizing SAS, Python, R.
- Demonstrate expertise in consumer credit risk and play a crucial role in review and assessment of first line strategies as the second line of defense.
- Identify and implement opportunities for greater efficiencies, risk controls, and profitability for the respective portfolios.
- Provide Risk guidance & support for Credit Policy.
- Support credit risk assessment related to any future mergers and acquisitions.
- Build strong relationships with Sales Management, Product Development, and Investor Relations with the support of quantitative facts.
- Collaborate with business line leaders to plan and develop credit initiatives.
- Coordinate with quantitative analysts to ensure the development of risk-based pricing models and loan loss models involving statistical techniques.
- Develop, validate, and implement various models used for loss forecasting, portfolio stress testing, account management analysis and other targeted analysis. Perform ad-hoc analysis of consumer portfolios as directed. Report and analyze characteristics of the Consumer Credit lines of business in relation to policies, guidelines and processes.
- Establish close working relationships with the Credit functions of the various Consumer Lending groups, while maintaining independence/objectivity. Monitor and evaluate problem loan statistics. Ensure that appropriate reporting of activity is occurring consistent with Bancorp policy as well as pertinent accounting/regulatory guidance.
- Validation, stress testing and documentation of risk models and assumptions.
- Support automation of business processes and identification of second order and layered risk within the business.
- Identify and communicate potential policy and or operational improvements that will enhance credit quality. Evaluate new consumer risk related data sources and risk analytical tools and develops innovative risk management capabilities and processes.
- Support the overall Bancorp risk management goals within the Consumer Lending Line of Business.
- Support ad-hoc Line of Business requests for quantitative modeling of potential new business.
- Extensive understanding of credit bureau reporting, issues and complaint management, audit and compliance processes.
SUPERVISORY RESPONSIBILITIES:
May supervise others. Responsible for managing a professional staff of exempt Credit Risk Analysts through employee development, challenging opportunities, employee engagement, and talent development. Perform general staff management duties relating to performance evaluations, promotions, salary recommendations, and terminations.
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
- Master’s degree in relevant field (Business, Finance, Statistics, Economics, etc.). An equivalent combination of education/experience will be considered in lieu of a master’s degree.
- Minimum 6-8 years of Consumer Lending experience.
- Excellent analytical, verbal, and written communication skills.
- Detail oriented with strong oral and written communication skills.
- Strong interpersonal skills.
- Ability to build business cases that influence stakeholders to change outcomes.
- Ability to manage backlog and prioritize backlog of tasks, delegating but driving toward successful completion.
- Strong leadership presence.
- Ability to manage strategic relationships and provide sound risk management guidance to internal and external business partners.
- Demonstrated ability to lead analytic projects and drive to completion, including gathering requirements and presenting findings to senior leadership.
- Minimum 6-8 years’ experience in reporting systems, database management and analytics.
- Understanding of credit modeling.
- Expert knowledge of relevant financial institution rules and regulations.
- MS Office proficiency.
- Expertise in one or more statistical software such as SAS, R, Python.
WORKING CONDITIONS:
Potential considerations include:
- Normal office environment with little exposure to dust, noise, temperature, and the like.
- Extended time at desk and/or viewing computer screen.
Consumer Credit Risk Manager
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 or by consulting with your talent acquisition partner.
LOCATION: Cincinnati, Ohio 45242
Attention 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.
See all 57+ H-1B Visa Credit Manager Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new H-1B Visa Credit Manager Jobs.
Get Access To All JobsTips for Finding H-1B Visa Sponsorship as a Credit Manager
Pull your O*NET profile before applying
The O*NET classification for Credit Manager sits under SOC code 11-3031. Print it and confirm your resume reflects the listed knowledge areas, credit analysis, risk assessment, financial reporting, before submitting to any H-1B-sponsoring employer.
Verify the prevailing wage for your metro
Use the OFLC Wage Search to look up Credit Manager wages by city before negotiating. Your offer must meet or exceed the Level I–IV prevailing wage DOL certifies on the LCA, and underpaid offers get flagged during filing.
Target employers with cap-exempt filing history
Nonprofit financial institutions and certain government-affiliated lenders can file H-1B petitions outside the annual cap. Identifying these employers cuts out lottery risk entirely and lets you start before October 1.
Search Credit Manager roles on Migrate Mate
Migrate Mate filters Credit Manager listings by verified LCA filing history, so you're applying to employers who have already sponsored H-1B workers in this role, not just ones that say they're open to sponsorship.
Get your credential evaluation completed early
If your accounting or finance degree is from outside the U.S., get a NACES-member evaluation before you reach the offer stage. USCIS requires evidence that your degree is equivalent to a U.S. bachelor's, and late evaluations delay I-129 filing.
Clarify who pays H-1B filing fees upfront
The employer is legally required to pay most H-1B filing fees, the I-129 petition fee, the ACWIA training fee, and any fraud prevention fee. Confirm this in writing before signing an offer so there's no dispute at the filing stage.
H-1B Visa Credit Manager: Frequently Asked Questions
Does a Credit Manager role qualify as a specialty occupation for H-1B purposes?
Yes. USCIS recognizes Credit Manager as a specialty occupation because the role normally requires at least a bachelor's degree in finance, accounting, economics, or a directly related field. Your employer will document this in the I-129 petition by linking your degree field to the specific duties of the role. Positions that accept any degree regardless of field are more vulnerable to RFEs, so job descriptions matter.
Which industries hire Credit Managers on H-1B sponsorship most frequently?
Commercial banking, corporate treasury functions at large manufacturers, insurance companies, and financial services firms file the highest volumes of LCAs for Credit Manager roles. Retailers and healthcare systems with large accounts-receivable operations also sponsor regularly. You can browse verified H-1B-sponsoring Credit Manager employers directly on Migrate Mate, filtered by LCA filing history.
Can I transfer my H-1B to a new Credit Manager job if I change employers?
Yes, H-1B portability under AC21 lets you start working for a new employer as soon as your transfer petition is filed, not when it's approved, provided your current H-1B has been approved for at least 180 days. The new employer files a new I-129. Your duties and degree requirements must still satisfy the specialty occupation standard at the new company.
What happens to my H-1B status if my Credit Manager role is reclassified or my job duties change significantly?
A material change in job duties, location, or salary can require an amended I-129 petition before the change takes effect. If your employer promotes you, moves you to a different office, or shifts your responsibilities substantially, they need to file an amendment with USCIS. Failing to amend can create status gaps that affect future green card petitions or renewal applications.
Does a Credit Manager role have a clear path from H-1B to a green card?
Most Credit Manager positions sponsor through the EB-2 or EB-3 employment-based categories, which require PERM labor certification through DOL before the employer files an I-140. Wait times depend on your country of birth, not citizenship. Nationals from India and China face the longest backlogs due to per-country annual limits. Your employer's immigration counsel initiates PERM, typically after one to two years of H-1B employment.