Credit Leader

The U.S. Credit Leader will establish and govern the credit framework for Northpoint Commercial Finance’s U.S. Equipment Finance business, ensuring credit policies, underwriting standards, delegated authorities, exception governance, portfolio oversight and decision frameworks support disciplined growth, market responsiveness and strong portfolio performance.

This role will report to the Commercial CRO and serve as the senior U.S. credit escalation point for complex transactions, policy exceptions and decisions outside established authority. He or she will work closely with Northpoint’s Canadian credit organization to leverage shared systems, workflows, data and infrastructure where practical, while identifying and governing U.S.-specific policy, process, control and system requirements driven by U.S. market expectations, legal requirements, product structures and risk practices.

Responsibilities:

• Serve as the primary U.S. credit liaison with the Bank’s credit organization and promote a consistent North American credit operating model by leveraging shared systems, workflows, data and governance wherever practical;
• Identify, document and guide U.S.-specific deviations required by applicable law, market practice, product structure, portfolio strategy or competitive expectations;
• Translate U.S. business requirements into credit policies, operating procedures, workflow configurations, data standards and system enhancements;
• Develop and maintain U.S. credit policies, underwriting standards, risk appetite parameters, approval requirements, delegated authority levels, escalation thresholds and exception governance;
• Establish underwriting methodologies across equipment loans, finance leases, FMV leases, TRAC leases, municipal lending, vendor programs and other commercial equipment finance structures;
• Design flow, application-only, scorecard and rules-based decision frameworks that deliver market-responsive turnaround while protecting expected loss performance;
• Define enterprise underwriting standards for financial analysis, industry assessment, guarantor support, collateral evaluation, structure, covenants, exposure limits, documentation, verification and escalation;
• Define portfolio risk measures, key performance indicators, dashboards and management reporting requirements for concentrations, exceptions, delinquencies, losses, recoveries, risk migration and emerging trends;
• Partner with Technology, Operations, Finance and Canadian stakeholders to configure shared tools for U.S. credit requirements, identify automation opportunities, support implementation and monitor automated decisioning controls;
• Provide expert guidance to Sales, Operations, Asset Management, Legal, Finance and executive leadership on transaction structuring, new product development, vendor programs, strategic initiatives, complex transactions and recurring exception themes.

Qualifications:

• Hold a bachelor’s degree in Finance, Business, Accounting, Economics or a related field;
• Possess 10 years of commercial credit and equipment finance experience, including senior underwriting or credit authority responsibilities;
• Demonstrate expertise in credit policy, delegated authority, enterprise underwriting, portfolio risk management and exception governance;
• Have experience with flow, application-only, scorecard or automated decision programs;
• Maintain a strong understanding of U.S. equipment finance products, market practices and commercial obligors ranging from owner-operators to large corporations and municipalities;
• Provide high-quality risk assessment, practical credit structuring and sound judgment to support effective credit decisions;
• Employ a clear, concise and readable writing style that distills complex transaction risks, mitigants and recommendations into decision-ready credit narratives;
• Demonstrate the ability to develop practical standards, reporting and scalable processes, and to influence stakeholders without relying on direct authority;
• Bring preferred experience supporting vendor finance programs, manufacturer relationships, small-ticket equipment finance, inventory finance or a cross-border/shared-services operating model; and
• Demonstrate excellent written, verbal, analytical and decision-making capabilities, with the ability to work constructively across Sales, Operations, Asset Management, Legal, Finance, Technology and executive leadership.
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