At Truckstop, we have transformed the entire freight-moving lifecycle with our SaaS solutions. From freight matching to payments and everything in between, we are the trusted partner for carriers, brokers, and shippers alike. We lead this industry forward with our One Team mindset committing to principles such as assume positive intent, have each other’s back, and be your authentic self. Our drive for greatness produces high expectations, yet our regard for humans is even higher. Join a team of brilliant minds and generous hearts who care deeply about other's success.
Please note: This is a full-time, in-person role based at our Boise office (1444 S. Entertainment Ave., Boise, ID 83709).
Job Summary
The Portfolio Risk Manager makes data driven decisions to monitor the overall health of the factoring portfolio, approve credit and ensures smooth and transparent onboarding, safeguarding risk while supporting sustainable growth.
Essential Job Functions
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li">Applies existing scoring models when approving new debtors, provides input to improve scoring criteria
li">Reviews and monitors portfolio risk dashboards, flags issues, interprets trends, recommends actions and supports mitigation.
li">Underwrites new deals adapting frameworks to specific scenarios and provides recommendations.
li">Identifies and communicates potential macroeconomic and industry trend impacts to the team.
li">Adopts tools/systems and follows automation workflows in place, identifies inefficiencies and recommends automation opportunities.
li">Learns Denim’s credit risk process using structured, scalable frameworks that support long-term growth.
li">Improve the speed and clarity of debtor evaluations to ensure new client onboarding is smooth, transparent, and driven by objective, data-backed insights.
li">Reviewing credit requests through standardized processes that analyze financial data, debt-to-equity ratios, cash flow, and historical payment behavior.
li">Managing credit exceptions using data-driven matrices to assess trends and guide strategic decisions aligned with Denim’s risk tolerance. Suggests adjustments to matrices and contributes to the exception strategy.
li">Overseeing outgoing and incoming buyouts to ensure smooth transitions and protect Denim’s reputation for reliability and professionalism.
li">Developing yield optimization strategies by analyzing historical yield data, market trends, and portfolio performance to identify high-yield opportunities and reduce underperformance.
li">Ensuring legal compliance by monitoring UCC liens and managing contract exceptions, safeguarding operational integrity.
The above description covers the most significant duties performed but does not include other related occasional work that may be assigned or is completed by the employee.
Position Requirements
li">2 - 4 years of factoring, B2B lending or credit risk management experience
li">Preferred: 2 - 4 years of factoring experience with direct responsibility for credit decision-making and portfolio risk monitoring.
li">2+ years of underwriting experience, preferably at another factoring company
li">Knowledge of logistics or freight brokering Ability to become familiar with company products and navigate systems in a reasonable amount of time.
li">Effective and strong communication skills both verbally and in writing
li">Ability to understand, solve problems and respond to customers’ needs in a timely manner
li">Displays meticulous attention to detail
li">Demonstrated ability…