The Home Depot

Manager, Underwriting

The Home Depot • $95K — $115K *
Atlanta, GA 30349In-Person
Finance & Insurance
5 - 7 years of experience
Today
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Job Overview by Ladders

Qualifications

  • 6+ years of experience in commercial trade credit management or supervisory role in credit servicing/underwriting
  • Bachelor's degree in a relevant field or equivalent
  • Strong knowledge of commercial underwriting principles and credit program administration
  • Demonstrated leadership and team management skills
  • Ability to analyze financial documentation and derive conclusions
  • Excellent communication and negotiation skills

Responsibilities

  • Collaborate with cross-functional teams to ensure adherence to compliance and service objectives
  • Establish and assess financial targets for collections and receivables management
  • Manage credit and collections processes for the commercial Pro Trade Credit program
  • Oversee development and execution of underwriting and collections strategies
  • Lead a team to achieve operational and performance goals

Benefits

  • Opportunities for overnight travel (5-20%)
  • Comfortable indoor working environment
  • Potential for career growth within the organization
  • Supports development of compliance and reporting requirements
  • Chance to drive process improvements and strategic initiatives
Full Job Description
Position Purpose:

The Manager, Pro Trade Credit - Trade Credit Services, leads the credit & collections management for the Pro Trade Credit program. Focus is on developing and managing processes for the trade credit services team and customer support functions related to existing customer credit and collections management. This is including but not limited to, direct management of a credit operations team, development of credit underwriting and collection policies and processes, customer servicing functions, receivables management, development and adherence to compliance and reporting requirements, program operations and improvements, and loss mitigation and collections strategies. This role works cross functionally with internal and external partners (including Information Technology, Product Managers, Operations, Accounting, Compliance, third-party vendors, and others) to develop and implement a trade credit management functions and strategies that supports strategic initiatives.

This role requires strong team management, deep understanding of commercial credit underwriting and collections processes, call center and customer service functions, and the ability to effectively communicate and influence partners to support and execute solutions.

Key Responsibilities:
  • 20% - Collaboration - Work with Pro Operations, Accounting, and Controls to ensure program adherence to service and compliance/control related objectives.
  • 25% - Drives Results - Establish and assess financial and operational/quality results of collections and receivables management against predetermined goals. Determine appropriate team structures along with credit and collections strategies to achieve operationally established goals and objectives.
  • 30% - Plans & Aligns - Manage the credit and collections processes, strategy, and support functions related to the commercial Pro Trade Credit program.
  • 25% - Strategic Mindset - Oversee the development and execution of underwriting and collections processes and performance. Utilize credit knowledge and people management skills to ensure proper program administration and support levels are met.

Direct Manager/Direct Reports:
  • This Position typically reports to the Sr. Manager or Director, Pro Trade Credit
  • This Position has 6 Direct Reports


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 at least 18 years old
  • Must be legally permitted to work in the United States

Preferred Qualifications:
  • Working knowledge of Microsoft Office Suite
  • Demonstrated ability to collaborate and work effectively with cross-functional teams
  • Ability to draw accurate conclusions from financial documentation
  • Demonstrated project management skills
  • Ability to negotiate, handle complaints, settle disputes, and resolve grievances with both internal and external customers
  • Excellent written and verbal communication skills
  • 3+ years' experience in commercial trade credit management and/or supervisory capacity in credit servicing center and underwriting teams.
  • Knowledge, Skills, Abilities and Competencies:
  • An understanding and knowledge of the principles/disciplines of commercial underwriting and credit program administration.
  • People and team management skills
  • A strong grasp of credit and customer service/call center management skills. Able to manage/coordinate customer servicing levels. Understands how to structure and manage staffing, manage collections and effective receivables management relative to operational structure and servicing needs.
  • Sound understanding of lien based lending and effective receivables management strategies.
  • Ability to leverage data and analysis to craft a well-thought story and business case. Very strong communication skills to deliver business cases and gain support for process development and business strategies. Demonstrated decisiveness and sound decision-making skills.
  • Able to think strategically about business problems and opportunities and to focus efforts on strategies that most closely support key company initiatives.

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:
  • 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.

Minimum Years of Work Experience:
  • 6

Preferred Years of Work Experience:
  • 6


Minimum Leadership Experience:
  • 3

Preferred Leadership Experience:
  • 3


Certifications:
  • None

Competencies:
  • Decision Quality
  • Collaborates
  • Drives Engagement
  • Ensures Accountability
  • Plans and Aligns
  • Communicates Effectively
  • Customer Focus
  • Develops Talent
  • Drives Results
  • Manages Conflict

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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