Credit Manager Jobs in USA with Visa Sponsorship
Credit Managers qualify for H-1B visa and other work visas through specialized financial analysis and risk management expertise. Banks, credit unions, and financial institutions regularly sponsor these roles, particularly for candidates with finance degrees and credit analysis experience. For detailed occupation requirements, see the O*NET profile.
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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 324+ 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 Visa Sponsorship as a Credit Manager
Target financial institutions with established H-1B programs
Large banks like JPMorgan Chase, Bank of America, and Wells Fargo have dedicated immigration teams and regularly sponsor Credit Manager positions for qualified international candidates.
Emphasize specialized credit risk modeling skills
Highlight experience with credit scoring models, portfolio analysis, and regulatory compliance. These specialized skills help justify the H-1B specialty occupation requirement for Credit Manager roles.
Consider regional banks and credit unions
Smaller financial institutions often have less competition for roles and may be more willing to sponsor candidates with strong credit analysis backgrounds and relevant finance degrees.
Obtain relevant financial certifications
Certifications like CFA, FRM, or PRM demonstrate specialized knowledge in credit risk management, strengthening your case for visa sponsorship in Credit Manager positions.
Apply during budget planning seasons
Financial institutions typically plan H-1B sponsorships during Q4 and Q1 budget cycles. Submit applications between October and February for better sponsorship consideration timing.
Highlight cross-border lending experience
International credit experience, multi-currency transactions, or knowledge of global financial regulations can differentiate you from domestic candidates seeking similar Credit Manager positions.
Frequently Asked Questions
Do Credit Managers qualify for H-1B visas?
Yes, Credit Managers typically qualify for H-1B visas as the role requires specialized knowledge in financial analysis, credit risk assessment, and regulatory compliance. Most positions require a bachelor's degree in finance, economics, or accounting, which meets the H-1B specialty occupation standard.
What degree do I need for Credit Manager H-1B sponsorship?
A bachelor's degree in finance, accounting, economics, or business administration is typically required. Some employers prefer candidates with advanced degrees like an MBA with a finance concentration. The degree should align with credit analysis and financial risk management responsibilities.
Which companies sponsor H-1B visas for Credit Managers?
Major banks like JPMorgan Chase, Citigroup, and Bank of America regularly sponsor H-1B visas for Credit Manager positions. Regional banks, credit unions, and financial services companies like American Express and Capital One also provide sponsorship opportunities for qualified candidates.
Can Credit Managers get green cards through employment?
Yes, Credit Managers can pursue employment-based green cards, typically through EB-2 or EB-3 categories. The role's requirement for specialized financial knowledge and degree requirements often support EB-2 classification, though processing times vary by country of birth.
Do Credit Managers need specific certifications for visa sponsorship?
While not legally required, certifications like CFA, FRM, PRM, or CRA strengthen H-1B petitions by demonstrating specialized knowledge. These credentials help justify the specialty occupation requirement and differentiate candidates in competitive sponsorship decisions.
How to find Credit Manager jobs with visa sponsorship?
To find Credit Manager positions with visa sponsorship, use Migrate Mate, which specializes in connecting international professionals with sponsoring employers. Focus your search on financial services firms, banks, credit unions, and multinational corporations that commonly sponsor H-1B, O-1 visa, or other work visas for finance professionals. These employers often need experienced credit managers to assess lending risks and manage portfolios.
What is the prevailing wage requirement for sponsored Credit Manager jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.