Senior Credit Underwriter - Remote Opportunity with Lowe's: Driving Business Growth through Expert Credit Risk Management

Join the Team that's Revolutionizing Home Improvement

Lowe's Companies, Inc., a FORTUNE® 50 home improvement company, is on a mission to become the #1 omnichannel home improvement retailer. With a rich history and a strong presence in the United States, we're committed to serving approximately 16 million customer transactions a week. As a leader in the industry, we're seeking a highly skilled and experienced Senior Credit Underwriter to join our remote team and play a critical role in driving business growth through expert credit risk management.

About the Role: Senior Credit Underwriter - Remote Position

As a Senior Credit Underwriter, you will be responsible for evaluating and underwriting larger Pro customer's credit requests, partnering with third-party financing vendors, and implementing risk and underwriting program enhancements. This role is critical to Lowe's success, as it supports our broader enterprise initiative to maximize sales while maintaining portfolio health.

Key Responsibilities:

• Evaluate and underwrite larger Pro customer's credit requests, preparing credit packages and approving qualifying customers for appropriate lines within assigned credit authority.
• Partner with vendor underwriting teams to ensure policies and processes support the high credit line needs of our various Pro Customers.
• Educate internal and external stakeholders on business-to-business credit as it relates to the Pro customer.
• Assist field teams and leadership in escalated credit decisions, making credit recommendations and/or process improvements.
• Present findings in a clear and concise manner, both verbally and in writing.
• Support program enhancements and new programs by providing solutions that support the credit needs of the business while complying with all regulatory rules.
• Collaborate with Asset Protection to implement policies and processes to protect our customers and company from fraud loss.
• Act as an internal credit evangelist to build awareness and execution of programs.

Essential Qualifications:

To be successful in this role, you will need:

• A Bachelor's Degree in Business, Finance, or a related field.
• At least 5 years of retail experience and/or familiarity with business credit and practices.
• Business-to-Business/Small Business Lending/Credit risk/underwriting experience.
• The ability to read and interpret credit reports and financial statements.
• Proficiency in Microsoft Office suite of programs.

Preferred Qualifications:

While not required, the following qualifications will give you a competitive edge:

• Experience working in the home improvement industry.
• Knowledge of industry-specific credit practices and regulations.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal skills.

Skills and Competencies:

To excel in this role, you will need to possess:

• Strong credit analysis and risk assessment skills.
• Excellent decision-making and problem-solving abilities.
• Effective communication and interpersonal skills.
• The ability to work independently and collaboratively as part of a remote team.
• Strong organizational and time management skills.

Career Growth Opportunities and Learning Benefits:

At Lowe's, we're committed to helping our associates grow and develop their skills. As a Senior Credit Underwriter, you will have the opportunity to:

• Develop your expertise in credit risk management and underwriting.
• Collaborate with cross-functional teams to drive business growth and innovation.
• Participate in training and development programs to enhance your skills and knowledge.
• Take on additional responsibilities and contribute to special projects.

Work Environment and Company Culture:

As a remote associate, you will enjoy the flexibility and autonomy to work from anywhere. Our company culture is built on a foundation of:

• Innovation and continuous improvement.
• Collaboration and teamwork.
• Diversity, equity, and inclusion.
• Customer-centricity and a passion for delivering exceptional service.

Compensation, Perks, and Benefits:

We offer a competitive salary range of $81,200.00 - $135,400.00 annually, depending on factors such as education, training, and experience. Our comprehensive benefits package includes:

• Medical, dental, and vision coverage.
• Retirement savings plans.
• Paid time off and holidays.
• Opportunities for career advancement and professional growth.

Equal Employment Opportunity:

Lowe's is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, ancestry, national origin, mental or physical disability or medical condition, sexual orientation, gender identity or expression, marital status, military or veteran status, genetic information, or any other category protected under federal, state, or local law.

Don't Hesitate, Apply!

We value a great attitude and a willingness to learn above all. If you're a motivated and experienced credit professional looking to drive business growth through expert credit risk management, we encourage you to submit your application today!