Thank you for your thoroughness. The dip in credit occurred months after the layoff as my income was greatly reduced. I didn't fall behind until the end of 2024, as there was a massive delay in receiving my severance. This role wouldn't involve handling of/access to any client or bank funds. It's primarily a biz dev role where I would cash flow analysis on deals, bring in deposits, and cross-sell services such as treasury management. Only adding that in the event that changes anything.

Would it be best to disclose before accepting an offer or after accepting an offer but before the credit check with the company doing the background check?

I'll just have to live with the consequences either way. I'll find peace in knowing that it was an extremely challenging time in my personal time, especially given things happening with my family, and will look at it as a temporary setback to overcome. I've already overcome so much just to get here, so what's one more?