Credit Underwriting Analyst

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

• 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 300,000 associates and operates over 1,750 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.