Credit Manager

Ready to accelerate your career with a company that values initiative, teamwork, and professional development? Capital Automotive (CARS) is searching for a driven and well-rounded Credit Manager to join our dynamic Portfolio Management team. This role will sit at the intersection of credit underwriting, process management and portfolio reporting. You will bring organizational, communication, and problem-solving skills, along with an eye for detail, to the table to help the Portfolio Management team monitor portfolio credit risk. If you have the desire to work with an industry leader focused on fusing automotive lending with real estate and have a knack for building standards and processes, this is the perfect opportunity to make a significant impact.

Reports to: Director of Portfolio Management

Mission Statement

Manage the company's credit processes and resources that support initial and ongoing credit underwriting, training, and best practices. Identify, report on, and mitigate the company's overall portfolio credit risk. Understand and communicate macro industry trends.

Portfolio Credit

• Evaluate, manage, and communicate the credit risk of the portfolio

• Contribute toandmaintaincredit analysis standards forCredit Committee(CC)&Investment Committee(IC)memos

• Ensureeffectiveand consistentmanagementand executionofquarterly credit reviews (QCR)and enhanced credit reviews (ECR)

• Manageongoingcreditrisk assessmentincluding monitoringportfolio for compliancewithleasecovenants

• Serve as Credit Subject Matter Expert

• Facilitate communication and collaborationon credit mattersbetweenportfolio management,CC,IC, andotherdepartments

Transaction Support

• Support the underwriting process on a transactional basis includingdeal structuring, development and execution of the credit underwriting strategy,andconsultation oncredit specific legaldocumentation

• Ensure consistency and accuracy of credit underwriting analysis delivered to CC and IC

• Adhocsupport ofpre-LOIcreditunderwriting

General Duties

• Participant in andserve as theadministrator ofCC

• Communicate pertinent information proactively toPortfolio Management Leadership

• Prepare quarterly and ad/hoc analysis for lenders and investors

• Enhance companycredit relatedprocesses, procedures, and capabilitiesincludingleveraging use ofAI

• Administer and maximize company utilization of Crowe Portfolio Analyzer for Lenders and Salesforce for portfolio credit reporting and credit risk management

• Training/Recruitingsupport as directed by PM team

Why You Are Going to Love This Job:

Diverse Responsibilities: Quarterly administration, review and reporting plus ongoing training and transaction support.

Team Collaboration: Work closely with a dedicated team of professionals who are experts in their field and have direct exposure to all departments at Capital Automotive

Growth Opportunities: Capital Automotive supports your career development with training, shadowing, and advancement opportunities

Innovative Environment: Be part of a company that continually adapts and evolves to meet the needs of the automotive retail industry and its clients, including by expanding portfolio investment classes.

Qualifications/Requirements:

We are seeking a candidate with3–5 years of commercial credit or public accounting experienceto support portfolio‑level credit risk management and transaction underwriting. The role focuses on evaluating, monitoring and reporting on tenant credit risk, preparing committee‑level credit analysis, overseeing quarterly and enhanced credit reviews, and supporting deal structuring and credit‑related documentation.

Ideal candidates will have strong financial statement analysis skills,advanced Excel capabilities, and the ability to clearly communicate credit risks and recommendations to senior stakeholders. Experience with portfolio level analysis, covenant compliance, and credit reporting systems is preferred.Automotive dealership industry experience is a plus but not required.

Education: Bachelor’s degree in Finance, Accounting, or relevant business field

Work experience: A minimum of three years of commercial credit or public accounting experience.

Technical competencies: Experience with Microsoft Office Suite, including intermediate to advanced level in Microsoft Excel

Strong organizational, time management, and written and oral communication skills required.

About Us

Capital Automotive is a truly unique company that is invested in the development and personal growth of every employee. We have a collegial, open-door environment with significant learning opportunities for many aspects of commercial real estate. We offer competitive pay and benefits; a work from home policy that permits regular remote Fridays; additionally, the company currently provides paid parking and lunch at several delis/cafes in the immediate vicinity of the office in addition to other unique perks.

As the first company solely focused on providing highly tailored sale-leaseback capital to the automotive retail industry, Capital Automotive has exclusively supported automobile dealers since 1997. The company’s stock was publicly traded on NASDAQ through December of 2005 when we completed a privatization with DRA Advisors LLC. In February 2022, Capital Automotive was acquired by Ares Management.

Through custom tailored real estate finance, we have assisted dealer groups in growing their organizations, acquiring new locations, upgrading existing facilities, constructing new stores, and facilitating estate planning and partner buyouts. In many situations, we have aided dealers by maximizing liquidity and flexibility.

Our creation was a collaboration between automobile dealers and experts in real estate and finance. Since inception, our team of professionals has developed and maintained relationships throughout the industry that have provided us with an in-house level of expertise unparalleled in the marketplace. By listening to our clients and prospects, we continue to add new products and tailor existing products to better serve the auto retail industry.

Capital Automotive Real Estate Services