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.
Find Credit Manager JobsOverview
Showing 5 of 192+ Credit Manager jobs
See all 192+ 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 JobsOverview:
The Commercial Credit Manager is responsible for leading a team of credit professionals in evaluating, underwriting, and managing a portfolio of commercial credit relationships in the Mid-Corporate segment. This role involves ensuring adherence to credit policies, maintaining portfolio quality, timely and accurate risk ratings, and collaborating with relationship managers (RM) to support business growth. The position requires strong leadership skills, in-depth credit knowledge, and the ability to make informed decisions to manage and mitigate portfolio risk.
Primary Responsibilities:
- Lead team that partners proactively with the sales team and is intimately involved throughout the deal process, from deal screen through approval and for the life of the loan. Provide leadership to team as they make recommendations on appropriate credit structures, risk ratings, and perform continuous credit monitoring (CCM) for a portfolio of commercial clients.
- Provide an independent credit quality assessment of the Bank's largest commercial clients identifying credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues. These assessments include initial analyses of new money and material modifications. Evaluate and determine the ongoing credit risks and corresponding risk rating of commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.
- Responsible for the day-to-day activities of a Commercial Credit team to include the quality and efficiency of the underwriting of commercial loan analyses, including the accuracy of risk ratings, and quality and efficiency of the CCM activities of the team enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
- Maintain the quality of analyses produced, based on a program of mentoring the Analysts, Associates and junior team members and reviewing final work prior to submission to appropriate credit authority.
- May underwrite, monitor, or provide guidance on more complex credit structures.
- Serve as the point person for assigning new and existing customer relationships, supports team in prioritizing work, and monitors workflow to ensure adequate team coverage.
- Meet with clients when appropriate.
- Prepare thoughtful risk assessment of customers on an ongoing basis to identify emerging risks or material changes in customers financial position, including evaluation of compliance with the loan agreement.
- Provides ongoing training to the team.
- Maintain work logs and prepare monthly productivity reports for management, and other reports, as needed.
- Resolve any policy and procedure, accounting or credit issues that occur.
- Maintain an in-depth knowledge of accounting pronouncements and the effect on Bank credits.
- Recruits, develops, and retains a highly talented Commercial Credit team.
- Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations.
- Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite. Design, implement, maintain, and enhance internal controls to mitigate risk on an ongoing basis. Identify risk-related issues needing escalation to management.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
- Complete other related duties as assigned.
Scope of Responsibilities:
Commercial Credit is responsible for the credit delivery of the Bank's commercial clients. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions.
Ensure that Commercial Credit supports the Regional Credit Officers and various Loan Committees in making timely and informative decisions on credit requests for both new and existing customers, within Bank lending parameters.
Recruits, develops, and retains a balanced team of credit experience to ensure bench strength within the group.
Position interacts on an ongoing basis with senior management both in First and Second lines of defense.
Supervisory/Managerial Responsibilities:
Supervises and mentors a team (typically up to 10) of Commercial Credit professionals.
Education and Experience Required:
Bachelor’s degree in Accounting, Finance, or related discipline with 9 years’ related experience with three years’ work leadership/supervisory experience, or in lieu of degree, a combined minimum of 13 years’ higher education and work experience to include a minimum 9 years’ related experience with three years’ work leadership/supervisory experience.
- Strong analytical and decision-making abilities.
- Excellent communication and interpersonal skills.
- Proficiency in financial modeling and risk assessment tools.
- Experience with complex credit structures and syndicated loans.
- Ability to lead cross functional teams and manage multiple projects simultaneously.
- Familiarity with credit risk rating models and loan / portfolio management systems.
- Proficiency in Microsoft Office.
Education and Experience Preferred:
MBA / Advanced Degree or a CPA.
Experience with Capital IQ, FactSet, and Bloomberg.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $163,100.00 - $271,900.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.
Location:
Radnor, Pennsylvania, United States of America
Overview:
The Commercial Credit Manager is responsible for leading a team of credit professionals in evaluating, underwriting, and managing a portfolio of commercial credit relationships in the Mid-Corporate segment. This role involves ensuring adherence to credit policies, maintaining portfolio quality, timely and accurate risk ratings, and collaborating with relationship managers (RM) to support business growth. The position requires strong leadership skills, in-depth credit knowledge, and the ability to make informed decisions to manage and mitigate portfolio risk.
Primary Responsibilities:
- Lead team that partners proactively with the sales team and is intimately involved throughout the deal process, from deal screen through approval and for the life of the loan. Provide leadership to team as they make recommendations on appropriate credit structures, risk ratings, and perform continuous credit monitoring (CCM) for a portfolio of commercial clients.
- Provide an independent credit quality assessment of the Bank's largest commercial clients identifying credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues. These assessments include initial analyses of new money and material modifications. Evaluate and determine the ongoing credit risks and corresponding risk rating of commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.
- Responsible for the day-to-day activities of a Commercial Credit team to include the quality and efficiency of the underwriting of commercial loan analyses, including the accuracy of risk ratings, and quality and efficiency of the CCM activities of the team enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
- Maintain the quality of analyses produced, based on a program of mentoring the Analysts, Associates and junior team members and reviewing final work prior to submission to appropriate credit authority.
- May underwrite, monitor, or provide guidance on more complex credit structures.
- Serve as the point person for assigning new and existing customer relationships, supports team in prioritizing work, and monitors workflow to ensure adequate team coverage.
- Meet with clients when appropriate.
- Prepare thoughtful risk assessment of customers on an ongoing basis to identify emerging risks or material changes in customers financial position, including evaluation of compliance with the loan agreement.
- Provides ongoing training to the team.
- Maintain work logs and prepare monthly productivity reports for management, and other reports, as needed.
- Resolve any policy and procedure, accounting or credit issues that occur.
- Maintain an in-depth knowledge of accounting pronouncements and the effect on Bank credits.
- Recruits, develops, and retains a highly talented Commercial Credit team.
- Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations.
- Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite. Design, implement, maintain, and enhance internal controls to mitigate risk on an ongoing basis. Identify risk-related issues needing escalation to management.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
- Complete other related duties as assigned.
Scope of Responsibilities:
Commercial Credit is responsible for the credit delivery of the Bank's commercial clients. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions.
Ensure that Commercial Credit supports the Regional Credit Officers and various Loan Committees in making timely and informative decisions on credit requests for both new and existing customers, within Bank lending parameters.
Recruits, develops, and retains a balanced team of credit experience to ensure bench strength within the group.
Position interacts on an ongoing basis with senior management both in First and Second lines of defense.
Supervisory/Managerial Responsibilities:
Supervises and mentors a team (typically up to 10) of Commercial Credit professionals.
Education and Experience Required:
Bachelor’s degree in Accounting, Finance, or related discipline with 9 years’ related experience with three years’ work leadership/supervisory experience, or in lieu of degree, a combined minimum of 13 years’ higher education and work experience to include a minimum 9 years’ related experience with three years’ work leadership/supervisory experience.
- Strong analytical and decision-making abilities.
- Excellent communication and interpersonal skills.
- Proficiency in financial modeling and risk assessment tools.
- Experience with complex credit structures and syndicated loans.
- Ability to lead cross functional teams and manage multiple projects simultaneously.
- Familiarity with credit risk rating models and loan / portfolio management systems.
- Proficiency in Microsoft Office.
Education and Experience Preferred:
MBA / Advanced Degree or a CPA.
Experience with Capital IQ, FactSet, and Bloomberg.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $163,100.00 - $271,900.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.
Location:
Radnor, Pennsylvania, United States of America
See all 192+ 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.