Capital Credit Manager, Underwriting and Portfolio Management

The Opportunity

As a Credit Portfolio Manager, you will be a core member of Flexport Capital’s credit team, managing a large book of 40–60+ accounts spanning SMB, mid-market and enterprise borrowers. You will independently underwrite IF, LF, Term Loan and ABL deals. You will help drive the management of distressed credits and workouts, design policies and SOPs for new products, as well as architect the analytical frameworks that drive portfolio monitoring. This is a hands-on role where you own the full credit lifecycle, from underwriting through ongoing portfolio monitoring and client communication. You’ll help drive process improvements, and contribute to our risk scoring model development, all while building deeper expertise in Flexport’s freight, fulfillment and customs operations.

You Will

• Own a Large, Complex Portfolio: Manage 40–60+ accounts with topline revenues up to ~$75M and credit limits up to $5M. You will handle accounts across the CRR spectrum, including credits showing early signs of distress that require proactive intervention and creative deal restructuring.
• Underwrite Deals Independently: Handle IF/LF, Term Loan and ABL underwriting end- to-end. Design covenants, milestone-based step-ups, and restructure proposed deals to match credit’s risk appetite.
• Resolve Complex Credit Problems: Interpret ambiguous financials, seasonal revenue swings, multi-entity structures, improving-but-weak trajectories, and exercise judgment in recommending policy exceptions with clear risk/reward framing. Identify when a deal structure won’t work and reconstruct it proactively before it reaches the Investment Committee.
• Lead Client Diligence & Communication: Run diligence calls with CFOs and controllers of SMB and smaller mid-market companies. Push back on BD submissions with data and facts. Present credit recommendations to the Investment Committee with guidance from the Head of Credit. Own the end-to-end credit relationship with your clients.
• Drive Process Improvements: Develop systematic improvements to credit operations —redesigning BD and UW workflows to reduce friction, establishing lien filing optimization, and creating monitoring spot-check systems. Lead projects beyond individual account management that make the entire team more effective.
• Contribute to Credit Analytics & CRR Development: Contribute to CRR model development including financial ratio calibration and risk weight tuning. Design and maintain portfolio monitoring dashboards, and help build automations for repetitive credit operations.
• Manage Compliance & Lien Operations: Independently manage UCC filings, amendments, and lien perfection across US and international jurisdictions. Lead quarterly lien audit and security review processes. Ensure portfolio-wide compliance with BlackRock facility covenants and eligibility criteria, and drive expansion of secured coverage.

You Should Have

• 5–7 years of experience in commercial lending, credit risk, or portfolio management. Trade finance, working capital, or inventory financing experience is highly preferred.
• Independent Underwriting Capability: You can independently underwrite IF/LF and Term Loan facilities end-to-end. You understand advance rates, covenant design, borrowing base fundamentals, lien priority, and UCC filing procedures. Proficiency in ABL fundamentals is a strong plus.
• Credit Judgment & Problem Solving: Demonstrated ability to interpret ambiguous financials, recommend policy exceptions with clear risk/reward framing, and proactively restructure deals that don’t make credit sense. You don’t just flag problems—you come with solutions.
• CRR & Risk Model Awareness: You understand why automated credit risk rating outputs sometimes diverge from qualitative reality and can propose specific recalibration adjustments such as financial ratio breakdowns and chart tuning.
• Client-Facing Confidence: Comfortable leading diligence calls with CFOs and controllers, pushing back on BD submissions with data, and presenting credit recommendations to the Investment Committee.
• Technical & Analytical Skills: SQL proficiency (complex queries, analytical views). Python for analysis scripts, financial modeling, and portfolio reporting is a strong plus. Experience with Looker, GSheets dashboards, or automation tools (Parabola, Airtable, n8n) preferred.
• Mentorship & Collaboration: Proven ability to guide junior analysts on credit approach and technical questions. You are a team player who makes colleagues better and can coordinate effectively with Legal, BD, and Operations.
• Education: Bachelor’s degree in Finance, Business, Economics, or a related field. MBA, CFA, or FRM is a plus.