Credit and Risk Senior Manager

The Senior Credit Manager is responsible for overseeing and managing credit and risk for Textainer, working closely with the CFO. This role requires the evaluation and monitoring of credit risk for leasing and resale customers, as well as managing credit and equipment exposure. The Senior Credit Manager identifies potential credit risks within the portfolio and develops strategies to mitigate them. Additionally, the Senior Credit Manager will assist the CFO in identifying, monitoring, and managing overall enterprise risk across the organization.DUTIES & RESPONSIBILITIESPerform and review ratio analysis of customer financial statements and disclosures.Analyze customer credit information obtained from industry sources, credit and rating agencies, trade and bank references - and monitor customer creditworthiness.Liaise with Marketing Team and obtain timely updates on customers.Identify and monitor customer and industry risk factors.Maintain and manage Customer Credit Profiles for primary customers.Manage Credit Committee meetings to report Textainer credit performance and to inform and collaborate with Management Team, as needed.Perform holistic industry, regional and portfolio analysis to identify potential disruptive or material risks and provide recommendations for risk mitigation.Review, update and manage Textainer's credit policies and procedures.Review and manage compliance with agreed credit limits for the entire portfolio; address non-compliance, collections and asset recovery requirements (with Marketing and Legal Teams).Review, manage and monitor Textainer's insurance coverages; liaise with insurers and brokers.Establish and maintain relationships with industry contacts to monitor trends and obtain real-time data.Have a working knowledge of OFAC (and other recognized) sanctions requirements and monitor and manage screening tools.Work with CFO on identification and management of enterprise risks to Textainer and related mitigation strategies.Other periodic questions or requests from Billing and Operations Teams.Other special projects as required.REQUIRED QUALIFICATIONS:Knowledge and Skills:Must possess a demonstrated ability to assess and mitigate credit and enterprise risk.General understanding of enterprise risk concepts and mitigation valued.Working knowledge of transportation, asset management and finance, or leasing industry with a focus on the shipping industry helpful.Must have superior critical thinking ability, excellent written and verbal communications skills and the ability to work well within a team.Must be detail oriented and possess superior organizational skills.Ability to produce high quality work, with limited supervision, under pressure and within tight deadlines.Strong working knowledge of Excel required.Education and Experience:Bachelor's degree in finance, Accounting or Economics and formal credit or risk management experience in an asset management, finance or leasing company are required.5-7 years of increasing responsibility in credit analysis and assessment of counterparty risk.MBA, CPA or CFA preferred.Physical Requirements:Prolonged periods of sitting at a desk and working on a computer.Must be able to lift 5 pounds at times.Textainer is an equal opportunity employer. Please see the Textainer Careers page for our notice to applicants and employees.

Created: 2025-02-21