OPT Credit Manager Jobs
Credit Manager jobs are well-suited for OPT authorization because financial analysis and risk assessment roles consistently qualify as specialty occupations under H-1B visa standards, making employer sponsorship a realistic next step. Most positions require a degree in finance, accounting, or economics, which aligns directly with OPT eligibility requirements.
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Get Access To All JobsLocation: Lone Tree, CO ; East Naples, FL ; Chicago, IL ; San Francisco, CA
Requisition ID 2026-129573
Category Investment Management
Position type Regular
Pay range USD $130,000.00 - $190,000.00 / Year
Application deadline 2026-11-20
Your opportunity
At Schwab, you’re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us challenge the status quo and transform the finance industry together.
We believe in the importance of in-office collaboration and fully intend for the selected candidate for this role to work on site in the specified location(s).
As a Senior Analyst within Credit Research, you will provide independent research and recommendations on asset-backed commercial paper programs and asset-backed securities held across fixed income and money market portfolios. Your analysis will help portfolio managers and credit committees make informed investment decisions and identify emerging collateral, structural, liquidity, and counterparty risks.
You will evaluate transaction structures, collateral performance, credit enhancement, cash flow waterfalls, and liquidity support; perform modeling, stress testing, and ongoing surveillance; and translate complex findings into clear, actionable recommendations. You will own assigned coverage, prioritize time-sensitive reviews, and collaborate with portfolio management, trading, risk management, issuers, servicers, rating agencies, and other research partners.
Success requires structured finance expertise, analytical thinking, sound decision-making, clear communication, and adaptability as market conditions, portfolio needs, and research tools evolve. You will also help strengthen research methodologies, data analytics, automation, and AI-enabled surveillance capabilities.
What you have
Required Qualifications
- Bachelor’s degree in finance, economics, accounting, business, or a related field
- 3+ years of experience in credit research, structured finance, fixed income analysis, banking, a rating agency, or a related investment discipline
- Working knowledge of asset-backed commercial paper (ABCP) programs, including program structure, program-wide and seller-specific credit enhancement, liquidity facilities, asset eligibility and concentration criteria and seller/servicer quality
- Working knowledge of asset-backed securities (ABS) across collateral types, including cash flow waterfalls, credit enhancement, collateral performance, servicer and originator quality, and review of transaction documents and trustee reports
- Ability to develop well-supported credit recommendations and communicate complex findings clearly to portfolio managers, credit committees, and cross-functional partners
- Strong analytical thinking, decision-making, collaboration, and adaptability when evaluating changing market conditions and emerging risks
Preferred Qualifications
- Experience performing cash flow modeling, scenario analysis, or stress testing for structured finance transactions
- Experience with structured finance analytics platforms or credit surveillance systems
- Advanced Microsoft Excel and financial modeling capabilities
- Familiarity with data analytics, automation, or AI-enabled research workflows
- Strong written, verbal, and presentation communication skills
In addition to the salary range, this role is eligible for bonus or incentive opportunities.
What’s in it for you
At Schwab, you’re empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration—so you can build the skills to make a lasting impact. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.
We offer a competitive benefits package that takes care of the whole you – both today and in the future:
- 401(k) with company match and Employee stock purchase plan
- Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions
- Paid parental leave and family building benefits
- Tuition reimbursement
- Health, dental, and vision insurance
Eligible Schwabbies receive
Medical, dental and vision benefits
401(k) and employee stock purchase plans
Tuition reimbursement to keep developing your career
Paid parental leave and adoption/family building benefits
Sabbatical leave available after five years of employment
Location: Lone Tree, CO ; East Naples, FL ; Chicago, IL ; San Francisco, CA
Requisition ID 2026-129573
Category Investment Management
Position type Regular
Pay range USD $130,000.00 - $190,000.00 / Year
Application deadline 2026-11-20
Your opportunity
At Schwab, you’re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us challenge the status quo and transform the finance industry together.
We believe in the importance of in-office collaboration and fully intend for the selected candidate for this role to work on site in the specified location(s).
As a Senior Analyst within Credit Research, you will provide independent research and recommendations on asset-backed commercial paper programs and asset-backed securities held across fixed income and money market portfolios. Your analysis will help portfolio managers and credit committees make informed investment decisions and identify emerging collateral, structural, liquidity, and counterparty risks.
You will evaluate transaction structures, collateral performance, credit enhancement, cash flow waterfalls, and liquidity support; perform modeling, stress testing, and ongoing surveillance; and translate complex findings into clear, actionable recommendations. You will own assigned coverage, prioritize time-sensitive reviews, and collaborate with portfolio management, trading, risk management, issuers, servicers, rating agencies, and other research partners.
Success requires structured finance expertise, analytical thinking, sound decision-making, clear communication, and adaptability as market conditions, portfolio needs, and research tools evolve. You will also help strengthen research methodologies, data analytics, automation, and AI-enabled surveillance capabilities.
What you have
Required Qualifications
- Bachelor’s degree in finance, economics, accounting, business, or a related field
- 3+ years of experience in credit research, structured finance, fixed income analysis, banking, a rating agency, or a related investment discipline
- Working knowledge of asset-backed commercial paper (ABCP) programs, including program structure, program-wide and seller-specific credit enhancement, liquidity facilities, asset eligibility and concentration criteria and seller/servicer quality
- Working knowledge of asset-backed securities (ABS) across collateral types, including cash flow waterfalls, credit enhancement, collateral performance, servicer and originator quality, and review of transaction documents and trustee reports
- Ability to develop well-supported credit recommendations and communicate complex findings clearly to portfolio managers, credit committees, and cross-functional partners
- Strong analytical thinking, decision-making, collaboration, and adaptability when evaluating changing market conditions and emerging risks
Preferred Qualifications
- Experience performing cash flow modeling, scenario analysis, or stress testing for structured finance transactions
- Experience with structured finance analytics platforms or credit surveillance systems
- Advanced Microsoft Excel and financial modeling capabilities
- Familiarity with data analytics, automation, or AI-enabled research workflows
- Strong written, verbal, and presentation communication skills
In addition to the salary range, this role is eligible for bonus or incentive opportunities.
What’s in it for you
At Schwab, you’re empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration—so you can build the skills to make a lasting impact. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.
We offer a competitive benefits package that takes care of the whole you – both today and in the future:
- 401(k) with company match and Employee stock purchase plan
- Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions
- Paid parental leave and family building benefits
- Tuition reimbursement
- Health, dental, and vision insurance
Eligible Schwabbies receive
Medical, dental and vision benefits
401(k) and employee stock purchase plans
Tuition reimbursement to keep developing your career
Paid parental leave and adoption/family building benefits
Sabbatical leave available after five years of employment
See all 876+ OPT Credit Manager Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new OPT Credit Manager Jobs.
Get Access To All JobsTips for Finding OPT Sponsorship as a Credit Manager
Target banks and financial institutions first
Large banks, credit unions, and commercial lenders file H-1B visa petitions regularly and have established immigration processes. These employers are far more likely to sponsor OPT extensions and future visas than smaller regional lenders or startups.
Emphasize your degree-to-role alignment
Credit Manager roles qualify as specialty occupations when tied to a finance, accounting, or economics degree. Explicitly connect your academic background to the role in your resume and cover letter to reassure employers your authorization is straightforward.
Apply before your OPT clock runs low
Employers hesitate when OPT has less than six months remaining. Apply with at least eight to ten months left so hiring managers have time to evaluate you and begin STEM OPT or H-1B processes without pressure.
Highlight credit risk and portfolio management skills
Employers sponsoring OPT students want specialized skills they cannot easily hire domestically. Quantifiable experience in credit risk modeling, loss forecasting, or commercial underwriting strengthens your case for sponsorship as a high-value candidate.
Ask about sponsorship policy before the final interview
Raise the sponsorship question after an initial phone screen, not at the offer stage. Framing it as a practical logistics question rather than a demand gives you useful information early and avoids wasted time on both sides.
Use your STEM OPT extension if your degree qualifies
Finance and economics degrees from STEM-designated programs qualify for a 24-month STEM OPT extension. This gives employers three full years of work authorization before an H-1B is needed, which significantly reduces their sponsorship hesitation.
Credit Manager OPT: Frequently Asked Questions
Can I work as a Credit Manager on OPT?
Yes. Credit Manager roles qualify for OPT work authorization because the position directly relates to finance, accounting, and economics degrees. Your employment must fall within your degree field, and the job must be a paid position. USCIS considers financial analysis and credit risk roles to meet the specialty occupation standard relevant to future H-1B sponsorship as well.
Do Credit Manager roles commonly lead to H-1B sponsorship?
Yes, more often than many roles. Credit Manager positions at banks, insurance companies, and corporate treasury departments involve specialized financial analysis that satisfies H-1B specialty occupation criteria. Employers in regulated financial services industries are accustomed to sponsoring visa petitions and typically have HR processes in place. Searching Migrate Mate filters for employers with active sponsorship history, which saves significant time.
Does a finance or accounting degree satisfy OPT requirements for this role?
Yes. A bachelor's degree or higher in finance, accounting, economics, or a related quantitative field satisfies OPT requirements for Credit Manager positions. Your employment authorization is tied to working in a role that directly relates to your degree field, and credit management clearly falls within that scope. Business administration degrees with a finance concentration generally qualify as well.
Can I qualify for the STEM OPT extension as a Credit Manager?
It depends on your degree, not your job title. If your degree is in a STEM-designated field such as financial mathematics, quantitative economics, or computational finance, your program may qualify for the 24-month STEM OPT extension. A standard finance or accounting degree from a non-STEM designated program does not qualify. Check your degree's CIP code with your DSO to confirm eligibility before assuming you have the extension available.
What happens to my OPT authorization if I switch employers as a Credit Manager?
OPT is tied to your degree field, not to a specific employer, so you can change Credit Manager jobs without losing authorization. You must report the job change to your DSO within ten days and update your SEVIS record. There is no grace period for unemployment beyond 90 cumulative days during standard OPT, so minimizing gaps between positions matters. Your new role still must directly relate to your degree field.