Holman is currently accepting applications for the position of Credit Portfolio Manager.

Primary Tasks:

• Assess the creditworthiness of new and existing customers by analyzing financial statements, credit reports, and other relevant information. Ensure integrity and consistency of credit process by managing workflow and credit analysis in accordance with Holman's credit policy.
• Decide credit limits up to $20 million for clients requesting leasing and services, such as fuel and maintenance based on credit quality of clients. Ensure approvals, approvals with enhancements and declines are accurately documented and communicated to Sales.
• Monitor and review customer credit accounts regularly in terms of changes to exposure (i.e. loss given default potential) and clients' credit profile in order to identify risks or opportunities for credit limit adjustments.
• Support with development and oversee implementation of credit risk management strategies and policies. Identify and analyze trends and patterns related to credit risk and provide recommendations to management for an informed decision on credit risk appetite. Outline mitigating measures for potential risks.
• Communicate with customers and prospects to explain credit parameters such as payment and leasing terms, required credit enhancements and other credit related topics. Possess in-depth product knowledge and be able to handle client objections and push-backs.
• Manage/improve the credit process by applying state-of-the-art credit tools and systems. Keep informed and proactively look out for technological improvements (e.g. AI, automation etc.) in the credit industry.
• Actively manage clients on credit watch list and ensure exposure is managed in line with management's risk appetite.
• Prepare concise and accurate reports and manage client databases (i.e. Moody's CreditLens, Salesforce).
• Guide and support credit analysts, focusing on process improvement, training, and compliance, while providing oversight in a supportive capacity to departmental leadership.
• Act as SME (subject matter expert) related to credit risk management and financial analysis proactively providing strategic recommendations, guidance, and insight to credit analysts, departmental staff, Sales team, legal counsel, and senior management.
• Liaise with Senior management on regular basis to discuss critical accounts, bankruptcies, early credit warnings etc.
• Jointly work with internal and external counsel on clients that go through structured refinancing procedures (out of court), Chapter 11 or Chapter 7. Prepare account statements (e.g. pre-petition and post-petition) that can be used by counsel for legal filings. Liaise with internal Vehicle Remarketing team for potential (voluntary or involuntary) asset repossession and remarketing needs.
• Cooperate with legal and contract team to ensure contracts include relevant credit language (based on credit approval).
• Regular meet with Supply Chain and Accounts Receivables Managers to check clients with high level of undelivered assets and/or unpaid invoices.

Education and/or Training:

• Bachelor's degree in Finance, Accounting, or a related field or equivalent work experience
• Additional education, certifications, or other distinctions are a plus
• Proficient in various desktop tools including MS Office Programs (i.e. Outlook, Excel, Word, PowerPoint, Project, Visio, SharePoint etc.)

Relevant Work Experience:

• 3-5+ years' experience, including 2+ at a leadership level
• Demonstrated proficiency in assessing creditworthiness, analyzing financial statements, and conducting credit risk analysis
• Experience with credit policies, approval processes, and the ability to manage credit limits in a B2B (business-to-business) environment
• Knowledge of fleet management industry practices, including leasing, maintenance, and fuel management for fleet vehicles preferred
• Experience in collaborating with legal teams on structured refinancing, bankruptcy cases, and legal filings
• Breadth and depth of technical or functional expertise in own area of responsibility or department; may be acquiring knowledge of other related areas of departments
• Developing and implementing processes, methods, and tools to increase efficiency and accuracy

LI-MG1

INDMISC

At Holman, your total compensation goes beyond your paycheck. To position you for success and provide a rewarding career and better life for you and your family, Holman is proud to offer you the benefits you deserve; including protection against illness, disability, loss of work, or preparation for retirement. Below is a brief overview of the programs available to full-time employees (programs may vary by country or worker type):

• Health Insurance
• Vision Insurance
• Dental Insurance
• Life and Disability Insurance
• Flexible Spending and Health Savings Accounts
• Employee Assistance Program
• 401(k) plan with Company Match
• Paid Time Off (PTO)
• Paid Holidays, Bereavement, and Jury Duty
• Paid Pregnancy/Parental leave
• Paid Military Leave
• Tuition Reimbursement

Benefits:

Regular Full-Time

We offer excellent benefits including health, vision, dental, life and disability insurance, and 401(k) with company match. Our time off benefits include Paid Time Off (PTO), paid holidays, bereavement, and jury duty. In addition, we offer paid pregnancy and parental leave, and supplemental paid military leave to eligible employees.

Temporary or Part-Time

In geographic areas with statutory paid sick leave, part-time and temporary employees will receive a paid sick leave benefit that meets the mandated requirements.

Pay:

We offer competitive wages that are commensurate with job-related skills, experience, relevant education or training, and geographic location, starting in the range of $105,050.00 - $149,700.00 USD annually for full time employees. The annual compensation range is comprised of base pay and bonus earnings.

Artificial Intelligence Statement

We recognize that applicants for positions at any organization may view AI tools for tasks such as drafting a resume or cover letter, provided the information is accurate and truthful. However, applicants should not use AI tools to:

• Answer interview questions on their behalf, or use AI tools in any way during the interview or other qualification process(es).
• Misrepresent or embellish qualifications, skills, or experience
• Create false or misleading representations of identity (e.g., deepfakes or altered images/videos)

Your application, whether an AI tool is used or not, should reflect your authentic abilities and experiences. Any use of AI that compromises honesty or integrity may result in disqualification from the process.