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Mooresville NC USA
Hybrid
Senior level
Consumer Web • eCommerce • Information Technology • Retail • Software • Analytics • App development
Curiosity wanted. Innovation required.
The Role
Evaluate and underwrite large Pro customer credit requests prepare and escalate credit packages partner with sales and vendor underwriting recommend credit lines support program enhancements ensure regulatory compliance and fraud protection and communicate findings to stakeholders.
Summary Generated by Built In
Do your Best Work in Mooresville
This position is based at our headquarters in Mooresville North Carolina. Our corporate office is a space where you can collaborate and do your best work. Take a walk grab a bite (or a cup of coffee) work out or get a check-up - we invest in you so you can find your inspiration.
Your Impact
The primary responsibility of the role is to evaluate and underwrite larger Pro customer's credit requests using a wide range of credit information and tools. Additionally the role will partner with Lowe's third-party financing vendors to ensure decision accuracy and consistency. The goal of the role is to maximize sales while maintaining a heathy credit portfolio while managing credit risk. The position will work with internal and external partners to implement risk and underwriting program enhancements. The position is critical to Lowe's as it supports the broader enterprise initiative to grow Pro market share.
What You Will Do
Minimum Qualifications
Preferred Skills/Education
About Lowe's
Lowe's Companies Inc. (NYSE: LOW) is a FORTUNE® 100 home improvement company with total fiscal 2025 sales of more than $86 billion. Lowe's employs approximately 300000 associates and operates over 1750 home improvement stores 540 branches and 120 distribution centers. Based in Mooresville N.C. Lowe's supports the communities it serves through programs focused on creating safe affordable housing improving community spaces helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information visit Lowes.com .
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.
This position is based at our headquarters in Mooresville North Carolina. Our corporate office is a space where you can collaborate and do your best work. Take a walk grab a bite (or a cup of coffee) work out or get a check-up - we invest in you so you can find your inspiration.
Your Impact
The primary responsibility of the role is to evaluate and underwrite larger Pro customer's credit requests using a wide range of credit information and tools. Additionally the role will partner with Lowe's third-party financing vendors to ensure decision accuracy and consistency. The goal of the role is to maximize sales while maintaining a heathy credit portfolio while managing credit risk. The position will work with internal and external partners to implement risk and underwriting program enhancements. The position is critical to Lowe's as it supports the broader enterprise initiative to grow Pro market share.
What You Will Do
- Evaluates and underwrites large Pro customer credit requests. Prepares credit packages and approve qualifying customers for appropriate lines within assigned credit authority.
- Prepares credit packages and escalate decisions outside of assigned credit policy authority to leadership.
- Partners with the sales team and customers to obtain necessary credit information to make an informed decision.
- Works with the vendor underwriting team to ensure policies and processes support the high credit line needs of Lowe's various Pro customers.
- Educates internal and external stakeholders on business to business credit as it relates to Pro customers.
- Assists field teams and leadership in escalated credit decisions and make credit recommendations and/or improvements to the process.
- Recommends qualifying customers for appropriates lines of credit via the company's recourse facility.
- Presents findings in writing in a clear and concise manner.
- Supports program enhancements and new programs by providing solutions that support the credit needs of the business as well as ensuring compliance with all regulatory rules and regulations.
- Partners with Asset Protection to implement policies and process to protect Lowe's customers and the company from fraud loss.
- Acts as an internal credit evangelist to build awareness and execution of programs.
Minimum Qualifications
- Bachelor's degree Business Finance or related field or equivalent years of experience in lieu of education requirement if applicable
- 3 Years Business to business finance/credit experience and/or familiarity with business credit and practices
- 5 Years Retail experience
- Business to business/small business lending/credit risk/underwriting experience including financial statement analysis.
- NACM Certification
Preferred Skills/Education
- Lien based lending experience
- CBA/BCF/CCE
About Lowe's
Lowe's Companies Inc. (NYSE: LOW) is a FORTUNE® 100 home improvement company with total fiscal 2025 sales of more than $86 billion. Lowe's employs approximately 300000 associates and operates over 1750 home improvement stores 540 branches and 120 distribution centers. Based in Mooresville N.C. Lowe's supports the communities it serves through programs focused on creating safe affordable housing improving community spaces helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information visit Lowes.com .
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.
Skills Required
- Bachelor's degree in Business Finance or related field or equivalent experience
- 3 years business-to-business finance/credit experience and/or familiarity with business credit practices
- 5 years retail experience
- Business-to-business/small business lending credit risk or underwriting experience including financial statement analysis
- NACM Certification
- Lien-based lending experience
- CBA/BCF/CCE (certifications)
What the Team is Saying
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The Company
HQ: Mooresville NC
300000 Employees
Year Founded: 1921
What We Do
It’s curious to think of innovation and stability co-existing. But we pair a 100-year track record of success with a hunger to do things differently. Everyone is in the work — tackling complex problems where your impact can build back or build up the communities we serve. We fill our halls with curious minds from all walks of life. Our differences make us stronger which is why our leaders build cultures of recognition and inclusion. You are heard and your curiosities are celebrated and championed here.
Why Work With Us
We have built a space where the curious can move freely. Up in title up in skills to the side with teams or back to try something completely new. We help you find your path — because when you win we all win.
Gallery
Lowe’s Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
Typical time on-site: 2 days a week
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