The Home Depot

Manager - Credit Services - Account Origination

The Home Depot • $90K — $120K *
Atlanta, GA 30349In-Person
Finance & Insurance
5 - 7 years of experience
1 week ago
Job Overview by Ladders

Qualifications

  • Bachelor's degree in a related field; equivalent work experience accepted.
  • 6 years of relevant work experience required.
  • Preferred experience in credit or financial services product development or project management.
  • Thorough knowledge of credit marketing principles and practices.
  • Strong project management skills and ability to handle multiple projects simultaneously.

Responsibilities

  • Oversee and manage the entire commercial credit application intake process.
  • Coordinate with external customers and sales teams to gather necessary documentation.
  • Ensure compliance and accuracy in customer master data and KYC documentation before underwriting.
  • Utilize technology to optimize and automate application data gathering.
  • Work with Sales leadership to address documentation needs and improve onboarding efficiency.
  • Monitor and report on application turnaround times against established SLAs.

Benefits

  • Travel requirement of 5% to 20% overnight.
  • Comfortable indoor working conditions with infrequent unpleasant situations.
  • Opportunity for potential growth and professional development through direct supervision and performance assessment.
Full Job Description
Position Purpose:

Role Summary

The Account Origination Manager directs the front-end credit application pipeline, focusing entirely on intake, customer onboarding execution, and pipeline velocity. This manager ensures that all incoming applications and credit modification requests are thoroughly vetted for completeness, data integrity, and compliance, and are efficiently package-routed to the Underwriting team. This role serves as the critical operational bridge between Sales, customers, and Underwriting to maximize onboarding efficiency.

Key Responsibilities
  • Pipeline & Workflow Management: Oversee the end-to-end commercial credit application intake process, managing the workflow queues to ensure seamless and efficient routing from customer submission to the Underwriting team.
  • Documentation & Coordination: Actively coordinate with external customers and sales teams to request, follow up on, and obtain proper documentation (e.g., financial statements, corporate guarantees, banking details) required to build a complete credit file.
  • Data Validation & KYC Compliance: Direct the pre-underwriting verification process, ensuring that customer master data, corporate hierarchies, tax exemption certificates, and initial Know Your Customer (KYC) documentation are accurate and complete before underwriting review.
  • Process Optimization: Leverage technology to automate low-touch data gathering, minimize application friction, and accelerate the pre-underwriting pipeline.
  • Sales & Cross-Functional Partnership: Partner closely with Sales leadership to set clear expectations regarding application requirements, resolve missing documentation bottlenecks, and provide real-time visibility into the onboarding pipeline.
  • SLA Management: Define, track, and report on strict Service Level Agreements (SLAs) for application turnaround times, specifically measuring velocity from "Application Received" to "Package Submitted to Underwriting."


Direct Manager/Direct Reports:
  • Typically reports to Senior Manager Credit Services
  • Accountable for direct supervision of the work activities of others. Planning, monitoring and reviewing work of subordinates is required. This may include direct supervision of a shift or the coordination of multiple work groups. Makes recommendations concerning selection, termination, performance appraisal and professional development.


Travel Requirements:
  • Typically requires overnight travel 5% to 20% of the time.


Physical Requirements:
  • Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions there may be a need to move or lift light articles.


Working Conditions:
  • Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable.


Minimum Qualifications:
  • Must be eighteen years of age or older.
  • Must be legally permitted to work in the United States.


Preferred Qualifications:
  • Experience in product development and/or project management in credit or financial services preferred


Minimum Education:
  • The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.


Preferred Education:
  • No additional education


Minimum Years of Work Experience:
  • 6


Preferred Years of Work Experience:
  • No additional years of experience


Minimum Leadership Experience:
  • None


Preferred Leadership Experience:
  • None


Certifications:
  • None


Competencies:
  • A thorough working knowledge of the principles/disciplines of credit marketing, including Account Acquisition & Activation, Loyalty Marketing, Sales Promotion, etc.
  • A thorough understanding and knowledge of the principles/disciplines of the retail industry.
  • A strong grasp of Project Management skills and requirements. A proven record of developing new financial products and/or services. Able to manage/coordinate multiple, simultaneous projects. Understands Time Management skills and uses those skills to deal with unplanned projects and interruptions. Both demonstrates and teaches those skills to direct reports. Demonstrated strong results in managed projects
  • Ability to leverage data and analysis to craft a well-thought story utilizing Power Point.
  • Able to think strategically about business problems and opportunities and to focus efforts on projects that most closely support key company initiatives.
  • Very strong communication skills, both verbal and written. Demonstrated decisiveness and sound decision making skills.

About The Home Depot

The Home Depot is a home improvement retailing company that combines its physical stores with an online presence to provide customers with innovative products at great value. The company specializes in the fields of retail, home improvement, and customer service. The Home Depot was founded in 1978 and is headquartered in Atlanta, Georgia.

The Home Depot Careers

Join the vibrant team at The Home Depot, the largest home improvement retailer in the U.S., where your career can flourish in an environment ripe with opportunities for growth and innovation. As a market leader, The Home Depot offers a variety of job opportunities that allow professionals to thrive in a culture that values leadership, diversity, and professional development. Work You’ll Do At The Home Depot, you’ll be part of a team that’s committed to helping homeowners, builders, and do-it-yourselfers bring their visions to life. Our extensive range of job opportunities spans from store operations to supply chain management, from IT to marketing. No matter where you start, you’ll be doing work that matters, impacting our customers' lives and experiences. Transform Your Career Step into a role within The Home Depot and join a network of over 400,000 associates who are as passionate about building their careers as they are about helping our customers. Leadership at The Home Depot means continuous improvement, embracing diversity, and fostering a culture of inclusion and respect that makes us stronger. Innovate with Us Innovation isn’t just a buzzword at The Home Depot; it’s the backbone of how we do business. We are constantly seeking out new technologies and tools to improve every aspect of our operations, from logistics to customer service. Join us, and bring your unique perspective and skills to a team that’s setting the standard for excellence in the retail industry. Grow and Develop The Home Depot is committed to the growth and development of its associates through robust training programs, leadership workshops, and opportunities for advancement. Whether you’re looking for a part-time position or a full-time career, The Home Depot nurtures your professional growth every step of the way. Internship Programs Dive into the professional world through The Home Depot’s internship programs, which offer a dynamic environment to gain hands-on experience and develop critical skills in various business areas. Our internships provide a platform to connect with leaders and peers, enhancing your resume and preparing you for future employment. Benefits and Culture Choosing to start your career at The Home Depot means more than just securing a job. It means you gain access to unparalleled benefits that support your life and well-being, from health insurance to educational assistance. Our commitment to employees is reflected in our open, supportive culture where everyone’s voice is heard, and every team member’s contribution is valued. Join Our Team Ready to take the next step in your career? Explore the wide range of positions available at The Home Depot, where we’re hiring passionate, curious, and innovative team players. Search open positions that match your skills and interests on our Jobs page. Stay Connected Keep up to date with the latest career tips, company news, and industry insights—all from the people who work here. Subscribe to our Careers Blog and personalize your subscription to receive updates that align with your career interests and goals. At The Home Depot, we don’t just offer jobs—we offer careers that make a difference. Join us, and be a part of something bigger as we continue to invest in your future and our shared success.
Learn more about The Home Depot
Size
490,600 employees
Market Cap
$323 billion
Industry
Retail & Consumer Goods
Net Income
$12.8 billion
Founded
1978
5 Year Trend
+9.8%
Revenue
$132.1 billion
NASDAQ
HD
* Ladders Estimates

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