Credit Assistant jobs at Bank of America

As part of the Operations team, the Credit Analyst is responsible for evaluating the creditworthiness of loan applicants in the business purpose residential lending space. This role involves analyzing financial data, assessing risk, and making recommendations to ensure the integrity of our loan portfolio. Responsibilities: Review and analyze financial statements, credit reports, and other relevant data to assess the creditworthiness of loan applicants. Evaluate the viability of proposed real estate investments, including property value, market conditions, and borrower experience. Prepare detailed credit memos with recommendations for loan approval or decline, ensuring alignment with company policies and risk appetite. Identify potential risks associated with loan applications and recommend appropriate risk mitigation strategies. Work closely with underwriters and credit risk managers to ensure thorough and accurate risk assessments. Monitor loan portfolio performance and report on trends or emerging risks. Ensure all credit analysis and documentation comply with internal policies, industry standards, and regulatory requirements. Maintain accurate and organized records of credit decisions and supporting documentation. Stay informed of changes in regulations and best practices within the residential lending space. Collaborate with loan officers, processors, and other team members to gather necessary information and provide clear communication on credit decisions. Participate in meetings to discuss complex cases, share insights, and contribute to decision-making processes. Qualifications: Bachelor's degree in Finance, Business, Economics, or a related field. 2-4 years of experience in credit analysis, preferably within the residential lending or real estate sector. Strong analytical skills with the ability to interpret financial data and assess risk. Knowledge of residential real estate markets and investment principles. Excellent attention to detail and organizational skills. Strong written and verbal communication skills.

At IH Mississippi Valley Credit Union, we believe lending should empower people. As a Senior Credit Risk Officer, you'll play a pivotal role in shaping lending strategies. Your expertise in portfolio analytics and risk management will help drive sound decisions, ensuring sustainable growth and a member-centric approach. With a competitive pay range of $120,000 to $160,000, this is an exciting opportunity to grow your career in a collaborative and forward-thinking environment. In-office work is done at our beautiful headquarters on River Drive in Moline, Illinois. This facility offers a comfortable office setting with on-site gym facility and purposeful collaborative spaces to connect. Remote work is a breeze with easy-to-use tools to help stay connected. IH Mississippi Valley Credit Union: Our Mission We are a member-owned financial cooperative dedicated to helping our member, our team members and our communities along their financial path. At our best we are authentic, driven, and innovative. What would you do as a Senior Credit Risk Officer As a Senior Credit Risk Officer at IH Mississippi Valley Credit Union, you will be an essential collaborator who thrives in a data-driven environment. This role requires you to harness your analytical skills, transforming complex data into actionable insights that enhance our lending strategies and portfolio management. Collaborating closely with other professionals, you will identify risks and develop innovative solutions that prioritize our member-centric values. Your ability to interpret data effectively will drive strategic decisions, ensuring that our lending processes are not only effective but also aligned with the highest standards of integrity and performance. Are you a good fit for this Senior Credit Risk Officer job? To excel as a Senior Credit Risk Officer at IH Mississippi Valley Credit Union, a robust set of skills is essential. You must possess a strong proficiency in analytical tools to provide oversight of loan portfolios, ensuring all data is meticulously scrutinized. Your ability to translate data into actionable decisions will be vital not only for enhancing our lending strategy but also for fostering a proactive approach to risk management. Additionally, you will serve as a strategic advisor to senior management, requiring strong communication and interpersonal skills to effectively convey insights and recommendations. An in-depth understanding of credit risk assessment, coupled with a knack for problem-solving and member focus, will position you for success in this dynamic role. A collaborative spirit and the ability to work independently are also crucial, as you will be driving initiatives that contribute to our forward-thinking culture. EXPERIENCE REQUIRED: * Bachelors degree in Finance, Economics, Business, Data Science, Statistics or related fields. Master's preferred * 7+ years of experience in credit risk management, portfolio analysis or related financial risk functions. Advanced Risk certification preferred. * Strong knowledge of credit risk concepts, modeling, regulatory frameworks and portfolio management practices in consumer credit, mortgage and auto lending. * Direct experience with CECL, stress testing, scorecard development, or predictive analytics preferred. * Ability to communicate complex risk concepts to senior leadership and board members * Exceptional leadership, analytical and problem-solving skills SKILLS AND COMPETENCIES: * Advanced quantitative and statistical skills * Strong data visualization and reporting capabilities * Deep understanding of credit lifecycle, underwriting metrics, and risk-based pricing * Ability to communicate complex analytics clearly to executive and eventual Board audiences * Exceptional attention to detail with strategic, big-picture thinking Will you join our team? Being a team member of IHMVCU is more than just a job, we want to make differences in the communities we live in and serve. Check out our careers page for more information including benefits ********************** Final compensation will be determined by various factors such as experience, specific skills and internal pay equity. Move Up your career at IHMVCU with this great opportunity! PHYSICAL REQUIREMENTS: * Sitting: Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met. * Talking: Expressing or exchanging ideas by means of the spoken word; those activities where detailed or important spoken instructions must be conveyed to other workers accurately, loudly, or quickly. * Hearing: Perceiving the nature of sounds at normal speaking levels with or without correction, and having the ability to receive detailed information through oral communication, and making fine discriminations in sound. * Finger, handle, touch: Picking, pinching, typing or otherwise working, primarily with fingers rather than with whole hand or arm as in handling. Applying pressure to an object with the fingers and palm. Perceiving attributes of objects, such as size, shape, temperature or texture by touching with skin, particularly that of fingertips. * Lifting Demands: Up to 10 lbs. * Visual Demands: Visual acuity to do things such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading

This role is located in New York City and will require a hybrid work schedule of at least 2 days in office per week. About the Bank: Sumitomo Mitsui Trust Bank, Limited was established through the merger of The Sumitomo Trust and Banking Co., Ltd with Chuo Mitsui Trust and Banking, Ltd. on April 1, 2012. We are one of the largest asset managers in Asia and number one among Japanese financial institutions by AUM, with approximately $850 Billion USD in AUM. The Bank provides an assortment of financial solutions and manages a broad spectrum of financial products across its global branches. This role is open to candidates with AVP level experience. Department Overview: The Americas Division (“AD”) was established in the Sumitomo Mitsui Trust Bank, Limited, New York Branch) (“SMTBNY”) to perform corporate functions and supervise U.S. entities. Established under the AD are the “Global Banking Unit (“GBU”), Americas Division” and “Global Markets Unit (“GMU”), Americas Division” which performs business functions. FRM, as the second line of defense in the Branch, provides independent measurement, monitoring and evaluation services related to Financial Risks (Credit, Market and Liquidity), in addition to the efforts by process/business owners (Global Banking Unit and Global Market Unit) as the first line of defense. Financial Risk Management (“FRM”) establishes appropriate policies, procedures, and the risk management framework to evaluate the financial risks inherent in the Branch operations. FRM also conducts special scenarios analysis to quantitatively and qualitatively assess financial risk faced by the Branch and provides objective assessment of the Financial Risk to the Branch Management and the Head Office. FRM is directly involved in all financial risk related projects, matters and issues. Position Overview Fully knowledgeable on the day-to-day activities, resolves complex issues where expertise is required to interpret policies, guidelines, and practice. May be considered a subject matter expert for one or more functions or processes. Focus on operational execution and occasional broader planning within areas of expertise. May have direct report subordinate staff Your Duties and Responsibilities: Assist in the enhancement and effective oversight of the Branch's Risk Management Framework and related risk-control policies and procedures. Perform independent loan reviews to evaluate the creditworthiness of the obligor and/ or credit facility and to assign a risk rating to provide an independent periodic and objective assessment of the underlying credit by analyzing financial statements and other external data obtained from external sources. Assist in the coordination, preparation, and presentation of the monthly and quarterly credit risk monitoring results at the Credit Portfolio Risk Management Meeting. Assist in the preparation of periodic risk monitoring materials for the Head Office Risk Management Department. Maintain an advanced level of understanding of credit risk policies/requirements, regulatory expectations and contribute to improving effectiveness and efficiency of the credit risk analysis processes/methodologies. Attend GBU's Focus List Meetings Perform other duties and responsibilities as assigned by management. Perform ad hoc risk analyses as needed by managemen Your Knowledge, Skills, and Abilities: Masters degree or its equivalent in statistics or economics or in quantitative discipline. CFA/FRM candidate or charter holder desired. Proficient in Excel, Word, PowerPoint, Access. Modeling understanding and capabilities. Strong oral and written communication skills. Strong quantitative and computer skills. Your Qualifications MBA degree in relevant field or its equivalent with at least 5 years of related experience. Advanced in Microsoft 365 (Excel, PowerPoint, Word, Outlook, and Access). Excellent written and oral communication skills. Demonstrates the ability to effectively collaborate, multitask, problem solve, recommend actions, manage time, and manage employees. Accountable for multiple large, complex processes and programs that impact the department and the Americas Division. Develops staff for current and long-term department needs by providing feedback, guidance, and mentorship. Strong understanding of the Americas Division business lines, products, and services and a strong understanding of the department discipline, policies, and procedures. Applies advanced knowledge to produce “value-added” results. Achieves cost savings through the prudent use of resources. Prevents potential liabilities by ensuring compliance in area of responsibility by training staff to adhere to procedures and regulations. Why you should join SuMi Trust:SuMi Trust embraces flexible ways of working when the business and role permits. We provide employees with a hybrid working model, allowing for in-office work and work from home. Our diverse and inclusive environment along with our global presence enables us to collaborate and communicate to meet our business needs. We believe that efficient teams need truth, loyalty, and a strong sense of purpose to balance risk and their targets. We make sustainable business decisions to improve our society and the world. We believe that each person brings a unique value that drives the business though their creativity and passion. The Employee Benefits package includes: Paid Time Off, medical, HSA, vision, dental, FSA, 401(k), profit sharing, legal plan, cancer indemnity plan, disability insurance, life insurance, employee assistance program, commuter benefits, business travel accident, paid volunteer day, paid memberships, paid seminars, and tuition assistance. We offer many socialization opportunities for wellness, financial wellbeing, runs/walks, team building, happy hours, and activities to support the Sustainable Developmental Goals. Check out our LinkedIn for our employee experience: *************************************** We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. SuMi Trust provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law. If you need a reasonable accommodation during the application.

TrustBank is seeking a highly motivated Credit Analyst to join our growing team. The ideal candidate will possess a strong understanding of credit analysis principles, a high level of attention to detail, and a solid track record of providing sound recommendations. Job Title: Credit Analyst Department: Risk Management Reports To: AVP, Senior Credit Risk Manager FLSA Status: Exempt Type of Position: Full-Time Job Summary The Credit Analyst is responsible for assessing the creditworthiness of applicants across a variety of loan types, including commercial, real estate, agricultural (ideally, an emphasis on ag loan underwriting), and consumer. This role involves analyzing financial statements, tax returns, and cash flow to identify repayment capacity, financial trends, and peer performance year over year. The analyst will prepare detailed credit presentations that highlight the strengths, weaknesses, and risks of each loan relationship, provide collateral evaluations and loan-to-value calculations, and recommend appropriate risk ratings. While collaborating with loan officers throughout the underwriting process, the Credit Analyst must maintain independence in analysis, identify potential credit issues, and ensure compliance with internal policies and regulatory requirements. Primary Duties and Responsibilities Analyze the overall credit quality and risk of applicants by reviewing financial statements, tax returns, credit reports, collateral values, and other relevant information including independent online research. Prepare accurate financial spreads, ratio analyses, and cash flow models using spreadsheet and word processing tools. Develop comprehensive credit presentations that include repayment capacity of the borrowers and guarantors, collateral descriptions, loan-to value calculations, and a clear summary of strengths, weaknesses, and risks. Collaborate and communicate clearly with loan officers to assess client needs, loan structure, and pricing. Communicate directly with clients, as needed. Ensure credit analysis and presentations reflect adherence to internal credit policies, loan administration procedures, and regulatory requirements. Document policy or documentation exceptions, as well as prior-to-close conditions. Assign and recommend credit risk ratings in accordance with Loan Policy guidelines. Participate as a non-voting member of the Loan Committee meetings, exercising sound judgement and maintaining constructive communication. Determine whether requests for information should be furnished or refused based on confidentiality, requiring strong judgment and quick decision-making. Recognize irregular or suspicious transactions and take appropriate steps to prevent loss. Help ensure compliance with BSA/AML/OFAC regulations. Assist with annual loan reviews and portfolio monitoring as requested, including providing support to the Auditor during internal and external audits. Additional responsibilities as needed to support departmental and organizational goals. Traits/Characteristics of a Successful Credit Analyst Strong attention to detail and accuracy Analytical proficiency in quantitative and qualitative analysis Ability to think critically, exercise sound judgment, and provide independent recommendations Highly adaptable to portfolio volume demands Thorough risk assessment expertise Highly self-motivated Inquisitive and curious with a desire to understand why High level of integrity and professionalism with a strong ability to successfully navigate difficult or contentious conversations Working Conditions and Essential Functions The position is Monday through Friday, typically from 8 AM 5 PM and is a minimum of forty hours a week, but longer hours may be needed to meet the demands of the job. The Bank may consider a remote or hybrid work schedule based on the qualifications of the candidate and the needs of the Bank and the Risk Management team. There is a well-lit office environment, and the noise level is usually moderate. The duties of the job may require the employee to stand, walk, use hands, and feel objects, tools, or controls, reach with hands, arms, and talk, or hear. Ability to lift 25 pounds. Vision abilities include close vision, distance vision, peripheral vision, depth perception and the ability to focus. Ability to travel via air, rail, automobile and or/bus (if position requires travel). Compensation and Benefits Total compensation for this position is $65,000 - $90,000. TrustBank provides a generous benefits offering, with details on our banks website: ************************************************** TrustBank Core Values Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. Strictly manage and protect sensitive information to which you are entrusted. Disclosures TrustBank recognizes that people are our banks strength, and we place a high value on diversity and inclusion. We do not discriminate based on any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs. The best talent will acquire the position. Equal Opportunity Employer/Disability/Veterans. This job description may be subject to change and is not intended to be all-inclusive. The employee may perform other related duties to meet the ongoing needs of the organization. Updated: September 16, 2025 Requirements: Education and/or Experience Bachelor's degree (B. S.) from a four-year college or university with a focus on finance, accounting, or economics and a minimum of 2-4 years of related experience preferably in a commercial banking environment. Required Skills and Abilities Advanced analytical and risk assessment skills, including a clear understanding of fractions and percentages. Ability to self-review and identify errors in written presentations, analysis, and reporting. Strong knowledge of financial accounting principles, economics, and credit analyst techniques with excellent problem-solving skills. Excellent report writing, grammar, and verbal communication skills. Ability to produce clear, professional credit presentations. Organizational and time management skills, including the ability to manage multiple priorities and deadlines. Broad understanding of loan policy, loan operations and overall bank procedures. Proficient in Microsoft Word and Excel with the ability to adapt Excel formats, data validations, formulas, conditional formatting, pivot tables, and financial modeling and analysis. Understanding of the banks core processing system to meaningfully assemble data and generate reports. Compensation details: 65000-90000 Yearly Salary PIdcf6a7e919f2-31181-38556303

TrustBank is seeking a highly motivated individual to join our growing team. This is an entry level position. The Associate Credit Analyst will be mentored by the AVP, Senior Credit Risk Manager and/or other experienced Credit Analysts on how to properly evaluate the financial strength and creditworthiness of an applicant across various industries. Job Title: Associate Credit Analyst Department: Risk Management Reports To: AVP, Senior Credit Risk Manager FLSA Status: Non-Exempt Type of Position: Full-Time Job Summary The Associate Credit Analyst is responsible for assessing the creditworthiness of applicants across a variety of loan types, including commercial, real estate, agricultural, and consumer. This role involves analyzing financial statements, tax returns, and cash flow to identify repayment capacity, financial trends, and peer performance year over year. The analyst will prepare detailed credit presentations that highlight the strengths, weaknesses, and risks of each loan relationship, provide collateral evaluations and loan-to-value calculations, and recommend appropriate risk ratings. While collaborating with loan officers throughout the underwriting process, the Associate Credit Analyst must maintain independence in analysis, identify potential credit issues, and ensure compliance with internal policies and regulatory requirements. Primary Duties and Responsibilities 1. Analyze the overall credit quality and risk of applicants by reviewing financial statements, tax returns, credit reports, collateral values, and other relevant information including independent online research. 2. Prepare accurate financial spreads, ratio analyses, and cash flow models using spreadsheet and word processing tools. 3. Develop comprehensive credit presentations that include repayment capacity of the borrowers and guarantors, collateral descriptions, loan-to value calculations, and a clear summary of strengths, weaknesses, and risks. 4. Collaborate and communicate clearly with loan officers to assess client needs, loan structure, and pricing. Communicate directly with clients, as needed. 5. Ensure credit analysis and presentations reflect adherence to internal credit policies, loan administration procedures, and regulatory requirements. 6. Document policy or documentation exceptions, as well as prior-to-close conditions. 7. Assign and recommend credit risk ratings in accordance with Loan Policy guidelines. 8. Participate as a non-voting member of the Loan Committee meetings, exercising sound judgement and maintaining constructive communication. 9. Determine whether requests for information should be furnished or refused based on confidentiality, requiring strong judgment and quick decision-making. 10. Recognize irregular or suspicious transactions and take appropriate steps to prevent loss. Help ensure compliance with BSA/AML/OFAC regulations. 11. Assist with annual loan reviews and portfolio monitoring as requested, including providing support to the Auditor during internal and external audits. 12. Additional responsibilities as needed to support departmental and organizational goals. Traits/Characteristics of a Successful Associate Credit Analyst Strong attention to detail and accuracy. Basic understanding of financial statements - balance sheets, income statements, and cash flow statements, with a willingness to deepen knowledge through training and experience. Critical thinking, exercise sound judgment, and learn to form independent perspectives with guidance. Adaptability to changing workloads Comfortable managing multiple tasks and shifting priorities in a dynamic environment. Eagerness to learn risk assessment principles Shows interest in understanding credit risk and how it impacts decision-making. Self-motivated and proactive and takes initiative in learning and contributing to team goals. Inquisitive and curious with a desire to understand why. Professionalism and integrity and can demonstrate respect in all interactions, including challenging conversations. Working Conditions and Essential Functions The position is Monday through Friday, typically from 8 AM 5 PM and is a minimum of forty hours a week, but longer hours may be needed to meet the demands of the job. There is a well-lit office environment, and the noise level is usually moderate. The duties of the job may require the employee to stand, walk, use hands, and feel objects, tools, or controls, reach with hands, arms, and talk, or hear. Ability to lift 25 pounds. Vision abilities include close vision, distance vision, peripheral vision, depth perception and the ability to focus. Ability to travel via air, rail, automobile and or/bus (if position requires travel). Compensation and Benefits Total compensation for this position is $21.50 per hour to $31.25 per hour. TrustBank provides a generous benefits offering, with details on our banks website: ************************************************** TrustBank Core Values Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. Strictly manage and protect sensitive information to which you are entrusted. Disclosures TrustBank recognizes that people are our banks strength, and we place a high value on diversity and inclusion. We do not discriminate based on any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs. The best talent will acquire the position. Equal Opportunity Employer/Disability/Veterans. This job description may be subject to change and is not intended to be all-inclusive. The employee may perform other related duties to meet the ongoing needs of the organization. Updated: November 3, 2025 Requirements: Education and/or Experience Bachelor's degree (B. S.) from a four-year college or university with a focus on finance, accounting, or economics. Related experience in a banking environment and/or the agriculture industry is preferred. Required Skills and Abilities 1. Ability to self-review and identify errors in written presentations, analysis, and reporting. 2. Proficient in Microsoft Word and Excel with the ability to adapt Excel formats, data validations, formulas, conditional formatting, pivot tables, and financial modeling and analysis. 3. Excellent report writing, grammar, and verbal communication skills. 4. Ability to produce clear, professional credit presentations. 5. Organizational and time management skills, including the ability to manage multiple priorities and deadlines. 6. Willingness to learn loan policy, lending regulations, and overall bank procedures. 7. Capacity to develop a solid understanding of the banks core processing system to assemble data and generate reports. Compensation details: 21.5-31.25 Hourly Wage PIe2f6da4ab2fd-31181-38990007

This role is located in New York City and will require a hybrid work schedule of at least 2 days in office per week. This role is for Assistant Vice President level candidates. About the Bank Sumitomo Mitsui Trust Bank, Limited was established through the merger of The Sumitomo Trust and Banking Co., Ltd with Chuo Mitsui Trust and Banking, Ltd. on April 1, 2012. We are one of the largest asset managers in Asia and number one among Japanese financial institutions by AUM, with approximately $850 Billion USD in AUM. The Bank provides an assortment of financial solutions and manages a broad spectrum of financial products across its global branches.Department Overview The Americas Division (“AD”) was established in the Sumitomo Mitsui Trust Bank, Limited, New York Branch) (“SMTBNY”) to perform corporate functions and supervise U.S. entities. Established under the AD are the “Global Banking Unit (“GBU”), Americas Division” and “Global Markets Unit (“GMU”), Americas Division” which performs business functions. The Specialty Finance Department (“SFD”) is responsible for originating, booking and monitoring credit facilities for both bilateral and syndicated loan transactions. SFD focuses on building and monitoring portfolio assets in 3 main product areas: Project Finance, Trade and Commodity Finance, Aviation, and Real Estate. Your Role Overview: The Associate will join the Aviation Finance Team which arranges financing transactions for airlines and lessors based in the Americas. The Associate will assist with all aspects of building and managing the aviation investment portfolio, with a particular focus on underwriting new investments and performing due diligence. In addition, the Associate will be responsible for monitoring, analyzing, and reporting on existing investments. Prior aviation experience is preferred, ideally covering airlines or lessors from a credit perspective. Your Duties and Responsibilities Reviews potential assets in aviation and prepares credit applications and makes investment recommendations. Ensures compliance with applicable investment guidelines and directives from Head Office and Branch Management. Monitors assigned assets/products/industries to maintain credit quality through asset/product/industry appropriate measures, i.e., financial analysis and trends, cross-sectional analysis, cashflow analysis and market value/liquidity. Prepares all applications and reports and makes recommendations on all amendments, refinancings and other ongoing activities. Responsible for all Head Office and Branch monitoring and reporting requirements, including rating review, business review of documentation, regulatory review, booking and financial and portfolio review requirements, with support from Operations Analyst as designated. May conduct business development activities. May conduct or support deal structuring activities. Performs other duties and responsibilities as assigned by management. Your Qualifications: Bachelor's degree in Finance or Economics or equivalent with 2+ years related experience. Good knowledge of finance and basic accounting. Good knowledge of commonly used research resources, including Bloomberg, EDGAR, and rating agencies. Basic knowledge of corporate finance transaction. Basic knowledge of loan markets. Proficient in Microsoft 365 (Excel, PowerPoint, Word, Outlook, and Access) and some modeling capabilities. Excellent oral and written communication skills. Why you should join SuMi Trust:SuMi Trust embraces flexible ways of working when the business and role permits. We provide employees with a hybrid working model, allowing for in-office work and work from home. Our diverse and inclusive environment along with our global presence enables us to collaborate and communicate to meet our business needs. We believe that efficient teams need truth, loyalty, and a strong sense of purpose to balance risk and their targets. We make sustainable business decisions to improve our society and the world. We believe that each person brings a unique value that drives the business though their creativity and passion. The Employee Benefits package includes: Paid Time Off, medical, HSA, vision, dental, FSA, 401(k), profit sharing, legal plan, cancer indemnity plan, disability insurance, life insurance, employee assistance program, commuter benefits, business travel accident, paid volunteer day, paid memberships, paid seminars, and tuition assistance. We offer many socialization opportunities for wellness, financial wellbeing, runs/walks, team building, happy hours, and activities to support the Sustainable Developmental Goals. Check out our LinkedIn for our employee experience: *************************************** We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. SuMi Trust provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law. If you need a reasonable accommodation during the application

We are currently seeking an Associate Director, Credit Underwriting Analytics, to help lead our joint borrower installment loan business. In this critical role, the select individual will help grow the newly formed joint loan strategy team. This leader will be responsible for complex end-to-end strategy development focused on how we better serve customers through joint loan offers. The role will provide the opportunity to develop new ways we partner with key business partners to improve the lending process while growing the joint loan business. Working with various partners, this individual will deliver new policies to market, monitoring, and reporting on existing strategies, and partner with technology and marketing to create new functionalities and customer experiences. They will directly impact business processes, policy/product development, revenue growth, and risk management of OneMain's largest business. A successful candidate will expand their competencies and grow their business and industry acumen, as well as demonstrate the ability to work on complex processes or projects across the end-to-end project lifecycle. They will gain knowledge to suggest new answers to old questions and continue experimenting with new technology to find better ways to provide information delivery throughout the company. In this role: Develop strong understanding of OMF customer, benefits of lending to two applicants compared to one, underwriting policies, and credit risk Develop and execute on business requirements to implement credit/business strategies to improve our lending portfolio Create end-to-end project plans, including design, execution, and testing to ensure projects function as intended with intended business outcomes Utilize data query tools (i.e., R, SAS, SQL, MATLAB, Python) and/or other analytical techniques and software to develop, test and execute analyses and reporting Effectively prioritize competing initiatives and share with senior leadership tradeoffs and constraints across various projects Partner with business leaders and different teams to define priorities, align resources, and communicate progress to executive leadership Requirements Bachelor's degree (Graduate Preferred) in a quantitative discipline, such as Engineering, Statistics, Economics, Business Management, or Computer Science is preferred. 8+ years of experience in a data driven analytics environment; consumer lending, credit cards, or Fintech preferred; PHD degrees may offset experience Advanced analytical skillset using tools such as SQL, Excel skills required; experience with multiple types of relational databases and/or querying languages is a plus Innovative and capable of developing a highly analytical approach to solving problems preferably inside consumer lending Strong communication, interpersonal and negotiation skills to achieve business objectives Ability to work in fast-paced ever-changing environment and the ability to juggle an array of tasks and individuals on tight timelines Preferred Qualifications: people management experience Location: Baltimore, MD or New York, NY Who we Are OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we've looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future. Driven collaborators and innovators, our team thrives on transformative digital thinking, customer-first energy and flexible work arrangements that grow lives, careers and our company. At every level, we're committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There's never been a better time to shine with OneMain. Because team members at their best means OneMain at our best, we provide opportunities and benefits that make their health and careers a priority. That's why we've packed our comprehensive benefits package for full- and some part-timers with: Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurance Up to 4% matching 401(k) Employee Stock Purchase Plan (10% share discount) Tuition reimbursement Paid time off (15 days' vacation per year, plus 2 personal days, prorated based on start date) Paid sick leave as determined by state or local ordinance, prorated based on start date Paid holidays (7 days per year, based on start date) Paid volunteer time (3 days per year, prorated based on start date) Target base salary range is $160k - $180k, which is based on various factors including skills and work experience. In addition to base salary, this role is eligible for a competitive additional compensation program that is based on individual and company performance. Save Job

Heritage Bank has an exciting opportunity to join our organization! We are seeking a Credit Review Officer/Senior to join our Credit Review team. The credit review officer is responsible for the independent review and objective appraisals of the Bank's loan portfolio and related risk management activities to ensure that acceptable credit standards are maintained, and loans and related documentation adhere to the Bank's policies, procedures, guidelines, and regulatory requirements. Geographical location for this position is Tacoma, Washington at the Southern Operations Center. Depending on experience and qualifications, other locations within Heritage Bank's footprint (WA, OR, ID) may be considered. This position is fully on-site in either Washington, Idaho, or Oregon. Depending on qualifications and experience, Credit Review Officer or Credit Review Officer Senior may be considered. Base Salary Range: Credit Review Officer - $83,370.00 - $104,213.00 - $125,055.00 annual Credit Review Officer Senior - $100,884.00 - $126,105.00 - $151,326.00 annual The Role at a Glance: Participates in the evaluation of the bank's asset quality, assessing adherence with lending and portfolio policy, loan approvals, and evaluating and reporting on risk rating integrity. Performs regular credit reviews, ensuring loans adhere to general loan policy and regulatory guidelines. Assesses the accuracy of risk grades, timeliness of grade changes, justification of rationale, and adherence to bank policy for risk grading methodology. Prepares independent analysis and supporting documentation for loan reviews. Prepares reports summarizing portfolio quality and risk issues with recommended corrective action. Participates in the loan review process; makes recommendations to management to optimize the loan review program, as needed. Assists in the development and scope of the internal loan review process, including risk-based sampling of the loan portfolios, and coordinates with outsourced loan reviews. Prepares reports and work papers recapping discussions with loan officers and business unit management, and/or other functional areas under review to present risk issue findings and secure commitments for resolution of areas in question. Performs continuous monitoring of key business unit credit related activities and effectively documents and communicates findings to management. Maintains strong relevant knowledge of key legal, compliance, and market-risk issues involved in credit related activities. Promotes and maintains positive relationships with unit managers and staff; provides information and assistance when appropriate. Assists with site coordination and logistics for outside vendors, contractors, and staff performing third party commercial loan reviews. Performs continuous monitoring of key business unit credit related activities and effectively documents and communicates findings to management. Monitors assigned portfolios to evaluate proper coverage and assessment of risk on an ongoing basis. Maintains an independent viewpoint derived from fact-based analysis and patterns of performance. Core Skills and Qualifications: H.S. Diploma or equivalent required. Bachelor's Degree in Business, Economics, Accounting, Finance or relevant course of study preferred. Credit Review Officer - 3+ years recent experience in commercial lending, credit/loan review and/or similar position requiring strong business knowledge and credit judgment required. Credit Review Officer Senior - 7+ years recent experience in commercial loan review, underwriting, credit risk, or portfolio management in a mid to large size commercial bank, demonstrating advanced business knowledge and credit judgment required. Professional credentials as a (CRC) Credit Risk Certification, (CIA) Certified Internal Auditor, (FRM) Financial Risk Manager or other risk credentials preferred. Pacific Coast Banking School Graduate or equivalent preferred. Equivalent combination of education, training and experience in portfolio management, loan audit and/or credit risk may be considered. Demonstrated ability to deliver exceptional customer service and maintain client relationships, both internally and externally. Business and financial analysis and modeling skills, with understanding of financial accounting, income statements, balance sheets, etc., requiring the ability to gather, analyze and prepare reports. Working knowledge of lending practices, policies, procedures, disclosures, and terminology related to banking laws, regulatory requirements. and legal documents. Understanding of the Bank's credit underwriting policies and approval process. Technical and analytical reasoning skills to synthesize information accurately and effectively to understand and interpret regulatory requirements and appropriately apply principles, procedures, requirements, regulations, and policies to the position. Well-developed interpersonal and written/verbal communication skills demonstrating the ability to communicate effectively, clearly and persuasively in a variety of settings, formats, and audiences; with the ability to read, write, speak, and understand English well. Strong planning, organizational, time management and follow up skills, demonstrating a strong sense of urgency and ability to execute quickly, timely and efficiently. Ability to multi-task and decide key priorities with confidence, motivation, decisiveness, flexibility, and sound business judgment. Unquestionable integrity in handling sensitive and confidential information required. Proficient use and understanding of MS Office products (Word, Excel, Outlook), with the ability to learn and adapt to new technologies quickly. Working knowledge of automated underwriting and financial systems - required. Work Environment/Conditions: Climate controlled office environment. Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions, and frequent employee and customer contacts and interruptions during the day. Work requires regular attendance, punctuality and adherence to agreed-upon schedule with willingness to work a flexible and/or rotating schedule and or extended hours, and assist at other locations or remotely, as needed. Physical Demands/Effort: Work may involve the constant use of computer screens, reading of reports, and sitting throughout the day. Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner and facsimile which often requires dexterity of hands and fingers with repetitive wrist and hand motion. Typically sitting at a desk or table; intermittently standing, stooping, bending at the waist, walking, climbing, kneeling or crouching to file materials Occasional lifting up to 10 lbs. (files, boxes, etc.). At Heritage Bank, we work hard, but we also know how important it is to take time off to stay healthy, relax, and spend time doing what makes your heart happy! As part of our team, you'll enjoy a total rewards package, which includes base salary based on the role, experience, and skill set, along with an exceptional benefits package (medical, dental, vision, life insurance, 401(k), community volunteer time), and generous time off policy. Full-time team members receive a minimum of 10 paid vacation days annually* and eight hours of paid sick leave per month*, while also enjoying 11 paid holidays each calendar year, and an annual float day. *pro-rated from start date and/or hours worked. To view Benefits Summary: Apply > Current Openings > position > attachment. The above statements are intended to describe the general nature and level of work being performed and are not an exclusive list of all qualifications for this position. Heritage Bank is an Equal Opportunity Employer All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran status, disability, or any other basis protected by applicable law. Job applicants have certain legal rights. Please click here for information regarding these rights. If you need assistance completing the online application, please email: ******************************* Salary Range Disclaimer The base salary range represents Heritage Bank's current salary range for the position. Actual salaries will vary depending on factors including, but not limited to, qualifications, experience, and job performance. The range listed is just one component of Heritage Bank's total compensation package for full time and part time employees. Depending on position, other total compensation rewards may include, monthly, quarterly or annual incentive, and/or bonuses. ##JobCategory:Compliance / Audit## ##Street:3615 Pacific Avenue## ##City:Tacoma## ##State:WA## ##ZipCode:98418## ##Internal:false## *mon

Heritage Bank has an exciting opportunity to join our organization! We are seeking a Credit Review Officer/Senior to join our Credit Review team. The credit review officer is responsible for the independent review and objective appraisals of the Bank's loan portfolio and related risk management activities to ensure that acceptable credit standards are maintained, and loans and related documentation adhere to the Bank's policies, procedures, guidelines, and regulatory requirements. Geographical location for this position is Tacoma, Washington at the Southern Operations Center. Depending on experience and qualifications, other locations within Heritage Bank's footprint (WA, OR, ID) may be considered. This position is fully on-site in either Washington, Idaho, or Oregon. Depending on qualifications and experience, Credit Review Officer or Credit Review Officer Senior may be considered. Base Salary Range: Credit Review Officer - $83,370.00 - $104,213.00 - $125,055.00 annual Credit Review Officer Senior - $100,884.00 - $126,105.00 - $151,326.00 annual The Role at a Glance: Participates in the evaluation of the bank's asset quality, assessing adherence with lending and portfolio policy, loan approvals, and evaluating and reporting on risk rating integrity. Performs regular credit reviews, ensuring loans adhere to general loan policy and regulatory guidelines. Assesses the accuracy of risk grades, timeliness of grade changes, justification of rationale, and adherence to bank policy for risk grading methodology. Prepares independent analysis and supporting documentation for loan reviews. Prepares reports summarizing portfolio quality and risk issues with recommended corrective action. Participates in the loan review process; makes recommendations to management to optimize the loan review program, as needed. Assists in the development and scope of the internal loan review process, including risk-based sampling of the loan portfolios, and coordinates with outsourced loan reviews. Prepares reports and work papers recapping discussions with loan officers and business unit management, and/or other functional areas under review to present risk issue findings and secure commitments for resolution of areas in question. Performs continuous monitoring of key business unit credit related activities and effectively documents and communicates findings to management. Maintains strong relevant knowledge of key legal, compliance, and market-risk issues involved in credit related activities. Promotes and maintains positive relationships with unit managers and staff; provides information and assistance when appropriate. Assists with site coordination and logistics for outside vendors, contractors, and staff performing third party commercial loan reviews. Performs continuous monitoring of key business unit credit related activities and effectively documents and communicates findings to management. Monitors assigned portfolios to evaluate proper coverage and assessment of risk on an ongoing basis. Maintains an independent viewpoint derived from fact-based analysis and patterns of performance. Core Skills and Qualifications: H.S. Diploma or equivalent required. Bachelor's Degree in Business, Economics, Accounting, Finance or relevant course of study preferred. Credit Review Officer - 3+ years recent experience in commercial lending, credit/loan review and/or similar position requiring strong business knowledge and credit judgment required. Credit Review Officer Senior - 7+ years recent experience in commercial loan review, underwriting, credit risk, or portfolio management in a mid to large size commercial bank, demonstrating advanced business knowledge and credit judgment required. Professional credentials as a (CRC) Credit Risk Certification, (CIA) Certified Internal Auditor, (FRM) Financial Risk Manager or other risk credentials preferred. Pacific Coast Banking School Graduate or equivalent preferred. Equivalent combination of education, training and experience in portfolio management, loan audit and/or credit risk may be considered. Demonstrated ability to deliver exceptional customer service and maintain client relationships, both internally and externally. Business and financial analysis and modeling skills, with understanding of financial accounting, income statements, balance sheets, etc., requiring the ability to gather, analyze and prepare reports. Working knowledge of lending practices, policies, procedures, disclosures, and terminology related to banking laws, regulatory requirements. and legal documents. Understanding of the Bank's credit underwriting policies and approval process. Technical and analytical reasoning skills to synthesize information accurately and effectively to understand and interpret regulatory requirements and appropriately apply principles, procedures, requirements, regulations, and policies to the position. Well-developed interpersonal and written/verbal communication skills demonstrating the ability to communicate effectively, clearly and persuasively in a variety of settings, formats, and audiences; with the ability to read, write, speak, and understand English well. Strong planning, organizational, time management and follow up skills, demonstrating a strong sense of urgency and ability to execute quickly, timely and efficiently. Ability to multi-task and decide key priorities with confidence, motivation, decisiveness, flexibility, and sound business judgment. Unquestionable integrity in handling sensitive and confidential information required. Proficient use and understanding of MS Office products (Word, Excel, Outlook), with the ability to learn and adapt to new technologies quickly. Working knowledge of automated underwriting and financial systems - required. Work Environment/Conditions: Climate controlled office environment. Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions, and frequent employee and customer contacts and interruptions during the day. Work requires regular attendance, punctuality and adherence to agreed-upon schedule with willingness to work a flexible and/or rotating schedule and or extended hours, and assist at other locations or remotely, as needed. Physical Demands/Effort: Work may involve the constant use of computer screens, reading of reports, and sitting throughout the day. Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner and facsimile which often requires dexterity of hands and fingers with repetitive wrist and hand motion. Typically sitting at a desk or table; intermittently standing, stooping, bending at the waist, walking, climbing, kneeling or crouching to file materials Occasional lifting up to 10 lbs. (files, boxes, etc.). At Heritage Bank, we work hard, but we also know how important it is to take time off to stay healthy, relax, and spend time doing what makes your heart happy! As part of our team, you'll enjoy a total rewards package, which includes base salary based on the role, experience, and skill set, along with an exceptional benefits package (medical, dental, vision, life insurance, 401(k), community volunteer time), and generous time off policy. Full-time team members receive a minimum of 10 paid vacation days annually* and eight hours of paid sick leave per month*, while also enjoying 11 paid holidays each calendar year, and an annual float day. *pro-rated from start date and/or hours worked. To view Benefits Summary: Apply > Current Openings > position > attachment. The above statements are intended to describe the general nature and level of work being performed and are not an exclusive list of all qualifications for this position. Heritage Bank is an Equal Opportunity Employer All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran status, disability, or any other basis protected by applicable law. Job applicants have certain legal rights. Please click here for information regarding these rights. If you need assistance completing the online application, please email: ******************************* Salary Range Disclaimer The base salary range represents Heritage Bank's current salary range for the position. Actual salaries will vary depending on factors including, but not limited to, qualifications, experience, and job performance. The range listed is just one component of Heritage Bank's total compensation package for full time and part time employees. Depending on position, other total compensation rewards may include, monthly, quarterly or annual incentive, and/or bonuses. ##JobCategory:Compliance / Audit## ##Street:3615 Pacific Avenue## ##City:Tacoma## ##State:WA## ##ZipCode:98418## ##Internal:false## *mon

Accounting Specialist maintains responsibility for various accounting related processes and transactions. Our Accounting Specialist will foster our "United For You" service promise which requires taking personal responsibility for providing outstanding member service that builds loyalty and supports a service selling environment. Our Accounting Specialist will also work collaboratively to foster a culture that encourages diversity and independent thinking and a member-centric, digital organization to meet or exceed UnitedOne's mission, strategic objectives, and promote the overall success of the credit union. Specific responsibilities: Performs daily processing of files including morning processing, ACH, Sharedraft, Mobile Deposit, Positive Balance Files, etc. Handles all accounts payable functions, including dealing with vendors, writing checks and resolving disputes. Maintains and posts fixed assets and prepaid reports. Performs daily bill payment program processing, including exceptions and returns. Assists department manager with preparation of assigned quarterly reports and end-of month activities. Maintains knowledge of plastic card program and can assist with member questions. Balances daily cash, cash letter, outstanding checks, teller transactions, suspense accounts, loans, shares, daily card transactions, ATMs and branch vaults as needed. Provides support to other departments as needed. Processes incoming and outgoing wires, tax levies, paper payrolls, qualified return checks, share and loan charge-offs. Posts GL entries and performs account reconciliations. Welcomes the opportunity to learn new technology and innovation and works to stay updated on the latest technology advancements. Possesses an ability to work in a member-centric, digital organization including supporting advancements as they occur. Performs all other duties as assigned and/or necessary. Complies with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Serves as an active member of the community by volunteering and participating in community events on behalf of UnitedOne Credit union and to promote the benefits of membership. EXPERIENCE: Previous accounting experience preferred. EDUCATION: A two-year college degree or completion of a specialized course of study at a business or trade school preferred. INTERPERSONAL SKILLS: Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization, generally regarding routine matters for purposes of giving and obtaining information, as well as advising or referring, which commonly require shorter discussions. OTHER SKILLS: Ability to prioritize multiple, and sometimes, conflicting tasks. ADA Requirements. PHYSICAL REQUIREMENTS: Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. PIbf902b04ac3d-31181-39177609

Description Summary: FirstBank is seeking qualified applicants for a Credit Assistant, which represents the bank in our Specialty Lending Division. This position works directly with our credit managers on our fast-paced lending team. Essential Duties and Responsibilities: Review loan applications and documents for accuracy Enter customer information into system Gather documentation for the loan Coordinating with customers and retailers regarding the loan Manage a lending pipeline Assist with special projects as needed Education and/or Experience Highschool diploma or GED equivalent College degree in Accounting or Finance preferred, but not required Previous sales experience preferred, but not required Experience in lending and understanding of regulations preferred, but not required Skills and Abilities Strong organizational skills Multi-tasking and problem-solving skills Proficient in Microsoft office suite Excellent written, oral, and reading communication skills Ability to establish and maintain a good rapport and cooperative relationships with clients and coworkers High level of attention to detail Ability to demonstrate the highest level of ethical behavior and confidentiality and maintain confidentiality with sensitive information. Respectful demeanor toward other associates and managers that promotes a positive and professional work environment. Understand and comply with bank policy, laws, regulations as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity. FirstBank does not accept unsolicited resumes from agencies and staffing firms. Recruitment agencies and consultants may not submit resumes directly to managers. FirstBank will not pay fees to any third-party agency or company that does not have a signed agreement as an approved vendor. FirstBank in an Equal Opportunity Employer, including disability.

JOB PURPOSE AND SCOPE: Assists loan officers in the analysis, servicing, and reporting of the association's mortgage and commercial loans. Fully competent professional, assignments are varied and moderately complex in nature, some latitude for decision making, works under moderate supervision. EDUCATION AND EXPERIENCE REQUIREMENTS: Bachelor's degree in business administration, Finance, or a related field, and two (2) to four (4) years of experience in the administration and analysis of credit on commercial and mortgage loans including risk assessments and recommendations on approval of loan applications. POSITION SUMMARY: Assists loan officers in the analysis, servicing, and reporting of the association's mortgage and commercial loans. Works directly with lending staff in the development of appropriate credit decisions and prepares other reports as requested by management. Analyzes financial information including balance sheets, income statements, cash flow and tax returns to form an opinion of the strengths, weaknesses and risks associated with loan packages. Determines probability of Default (PD) ratings as appropriate and makes recommendations for approval or denial of loans. Interprets, communicates, and provides guidance to loan officers regarding association lending policies and procedures. Reviews and approves loans submitted by other lending staff that exceed their delegated authority. Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper. Complies with proper credit administration practices as outlined in the association's policies and procedures. Assists senior-level credit analysts with complex loan applications as necessary. SKILL REQUIREMENTS: General knowledge of accounting/financial systems. Specialized knowledge of accounting/finance principles. Skill in oral and written communication. Intermediate skill level in Microsoft Office applications. Ability to perform intermediate-level accounting and financial analyses under moderate supervision.

Job Description Are you looking for an exciting career opportunity? Excited to work with a dynamic team of professionals in the finance industry? Join us at The Citizens Bank as a Full Time Credit Analyst! This position is onsite and can be housed at any of our NW Arkansas Citizens Bank branches. This role is crucial in helping make informed financial decisions for our customers and lending teams while protecting from risk. This position is open to experience levels from entry level to experienced analysts and offers competitive pay and seniority level based on the candidate's experience. Citizens Bank offers benefits such as Medical, Dental, Vision, 401(k), Life Insurance, Health Savings Account, Flexible Spending Account, and Paid Time Off. The Citizens Bank: Who We Are Citizens Bank was founded in 1953 by a group of business and civic leaders. Citizens Bank is a financial services organization that is committed to serving the needs of the communities it serves. Its progressive community banking model focuses on the delivery of exceptional customer service while employing advanced technology and products which allow its customers to have one bank to serve all their needs. The Bank takes pride in a heritage of independence that honors the vision of its founders and remains dedicated to the financial progress of the people it serves. With a mission statement of People First, we always strive to deliver an amazing customer experience and provide the best products and services possible by every member of the Citizens Bank team. Make a difference as a Credit Analyst As a Full Time Credit Analyst at The Citizens Bank, you will play a vital role in assessing creditworthiness for a variety of loan types and customers. Your responsibilities will include collecting and examining credit data and ensuring compliance with all relevant banking regulations. You will collaborate with our lending teams and customers to help facilitate the loan process and make well informed recommendations and decisions. Your dedication to maintaining and upholding our customer-focused mission statement of People First is essential to the success of the Team. Are you the Credit Analyst we're looking for? To excel as a Credit Analyst at The Citizens Bank, you will need expertise in financial statement and tax return analysis, along with a solid understanding of the lending process. Strong communication skills, both written and verbal, are essential for collaborating with team members and customers. Proficiency in various computer applications is key, as is exceptional organizational and time management abilities to handle multiple tasks efficiently. Your problem-solving skills will be crucial in making sound credit decisions and maintaining compliance with banking regulations. Knowledge and skills required for the position are: Experience and knowledge in financial statement and tax return analysis Basic knowledge of the lending process Strong written and verbal communication skills Computer savvy with experience in various software platforms Excellent organizational and time management skills Problem solving Ready to join our team?

Are you looking for an exciting career opportunity? Excited to work with a dynamic team of professionals in the finance industry? Join us at The Citizens Bank as a Full Time Credit Analyst! This position is onsite and can be housed at any of our NW Arkansas Citizens Bank branches. This role is crucial in helping make informed financial decisions for our customers and lending teams while protecting from risk. This position is open to experience levels from entry level to experienced analysts and offers competitive pay and seniority level based on the candidate's experience. Citizens Bank offers benefits such as Medical, Dental, Vision, 401(k), Life Insurance, Health Savings Account, Flexible Spending Account, and Paid Time Off. The Citizens Bank: Who We Are Citizens Bank was founded in 1953 by a group of business and civic leaders. Citizens Bank is a financial services organization that is committed to serving the needs of the communities it serves. Its progressive community banking model focuses on the delivery of exceptional customer service while employing advanced technology and products which allow its customers to have one bank to serve all their needs. The Bank takes pride in a heritage of independence that honors the vision of its founders and remains dedicated to the financial progress of the people it serves. With a mission statement of People First, we always strive to deliver an amazing customer experience and provide the best products and services possible by every member of the Citizens Bank team. Make a difference as a Credit Analyst As a Full Time Credit Analyst at The Citizens Bank, you will play a vital role in assessing creditworthiness for a variety of loan types and customers. Your responsibilities will include collecting and examining credit data and ensuring compliance with all relevant banking regulations. You will collaborate with our lending teams and customers to help facilitate the loan process and make well informed recommendations and decisions. Your dedication to maintaining and upholding our customer-focused mission statement of People First is essential to the success of the Team. Are you the Credit Analyst we're looking for? To excel as a Credit Analyst at The Citizens Bank, you will need expertise in financial statement and tax return analysis, along with a solid understanding of the lending process. Strong communication skills, both written and verbal, are essential for collaborating with team members and customers. Proficiency in various computer applications is key, as is exceptional organizational and time management abilities to handle multiple tasks efficiently. Your problem-solving skills will be crucial in making sound credit decisions and maintaining compliance with banking regulations. Knowledge and skills required for the position are: Experience and knowledge in financial statement and tax return analysis Basic knowledge of the lending process Strong written and verbal communication skills Computer savvy with experience in various software platforms Excellent organizational and time management skills Problem solving Ready to join our team?

The position of Credit Analyst II is responsible for reviewing financial information taken from the lending officers and making sure that the cash flows and credit package are developed correctly; assists loan officers in determining if additional information is needed; and organizes the information in a specific format to be given to the Credit Officer for review for approval consideration. In addition, the Analyst is responsible for providing package preparation guidance to junior analysts and lending officers and supporting the training efforts of the bank in this area. Able to analyze complex borrower and loan structures, consolidate financial information across a number of related borrowing entities and present a summary of financial analysis in an organized and comprehensive package. ESSENTIAL FUNCTIONS: Assists loan officers in performing pre-qualifications assessment and analysis of financial condition and risk of requests within the framework of Bank credit culture and current economic and industries trends. Assists in preparing spreadsheets and analysis of financial information including financial statements and tax returns. Provides the spreading of financial information to the Regional Credit Officer for review. Conducts industry peer comparisons, performs cash flow analyses and other such tasks and comparisons. Develops knowledge of financial industry, economy, market conditions, rates and competition. Prepares a written underwriting package for new loans where the obligor or relationship is considered complex or as required by the Regional Credit Officer. Uses Moody's Financial Analyst as analytical tool. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with employees. Operates computer terminal or personal computer to obtain and process data, do credit research or portfolio analysis. Answers telephones, answers questions from lending officers. Performs duties specific to the position and other functions as assigned. Assists with on-going computerization of the loan review function. Assists in training sessions for the lending officers when needed. Assists in maintaining the portfolio of loans where an individual borrower's total loan exposure is $1,000,000 or greater in the aggregate. This consists of working with the lending officers to make sure that all documentation is in file, that financial information is current, and any other items that may be required by the Regional Credit Officer. Completes annual compliance courses. Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. Adheres to all levels of our Service Excellence standards. Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. College degree in Business Administration, Accounting or Economics or related area with 3-5 years professional experience in the areas of financial analysis, loan origination and underwriting. Work related experience should include direct experience in financial analysis, financial ratio and industry analysis and a comprehensive level of branch operations, loan structuring and underwriting to include credit package preparation and memo writing for complex borrowing structures. Requires a working knowledge of loan structures for Commercial Real Estate, Commercial and Industrial and Asset Based Lending transactions and the lending concepts and structures customary and unique to each of these lending products. Working knowledge of complex borrower organizational structures and consolidated or consolidating financial statement presentations and financial ratio analysis to assist in developing global cash flow presentations and analysis of repayment capacity. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Strong organizational skills required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Job Description We're looking for a Credit Analyst to join our team. In this role, you'll play an important part in evaluating credit risk and supporting sound lending decisions. You'll analyze financial information, prepare credit presentations, and assist with annual reviews to ensure compliance and accuracy across our loan portfolio. What You'll Do Every Day Perform credit analysis and review financial statements for mortgage and commercial relationships to support loan decisions and minimize risk. Summarize findings for lenders. Prepare credit presentations for new and existing relationships requiring Loan Committee approval. Complete financial analysis, gather borrower info, and present when lenders are absent. Identify cross-selling opportunities. Complete annual reviews, including financial analysis, collateral evaluation, payment history, risk rating, and industry/economic changes. Support loan compliance by monitoring documentation standards, notifying lenders of exceptions, and maintaining accurate files. Stay informed on Bank policies and regulations. Communicate standards clearly to lenders. Contribute to annual updates of loan policy for commercial and mortgage areas based on trends and needed clarifications. Other duties as assigned. What We're Looking For A bachelor's degree (or equivalent experience). At least 2 years of credit analysis or related experience is preferred. Strong problem-solving skills and a knack for clear communication. A commitment to confidentiality and accuracy. Why You'll Love It Here Competitive wage with discretionary year-end bonuses 3% safe harbor contribution to 401k Discretionary profit share CD contribution towards retirement Fully comprehensive benefits package Free Neighborhood Family Clinic access for you and your family Family-oriented culture and teams Community involvement and Volunteer PTO Bank-sponsored get-togethers outside of work All-staff training and celebration days Free coffee And so much more! Sound like you? Apply today and help us make lending decisions that drive success!

Job Details Basehor Office - Basehor, KS Full TimeDescription Organization: Community National Bank was founded in 1984 by a group of individuals in Nemaha County, Kansas with diverse local ownership with decisions made on a local level. This position is responsible for analyzing credit data and financial statements to determine the degree of risk involved in extending credit or lending money and preparing credit memos for use in decision-making. Major Duties: Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. Prepare, analyze and complete Agriculture, CRE, C&I credit memos for submission for approval. Generate spreads on new loans and renewals as requested in Suntell. Generate financial ratios, using Suntell, to evaluate customers' financial status. Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans. Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. Understand loan policy and compliance and maintain current knowledge of any changes or updates. Consult with customers to resolve complaints and verify financial and credit transactions. Review weekly past due and coming due commercial loans. Maintain a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations. Maintain credit analysis pipeline daily for review by loan officers and senior management. Maintain checklist for every commercial loan file. Work closely with loan officers and processors. General Responsibilities: Support CNB's strong relationship culture through quality customer service and superior product knowledge. Provide superior customer service by resolving problems efficiently and responding timely. Identify and implement solutions to problems in general and urgent matters. Actively seek to add and enhance knowledge regarding developments and current trends in the industry. Seek counsel of supervisor on issues as appropriate. Work collaboratively with staff to maintain a team environment. Flexible to accept additional assignments as requested by leadership. Cross train for other positions to cover when necessary. Professionalism while representing CNB (onsite, professional and community events and via communications). Participate and attend meetings as requested. Recommend policies and procedures as it relates to area of responsibility. Timely responses to inquiries for information from loan officers and processors. Answer telephone calls and provide a prompt response. Follow CNB's policies and procedures. Other duties as assigned. Qualifications: Bachelor's degree in finance, accounting or related field required. MBA preferred. 3-5 years of experience in credit risk management, loan review, and/or previous commercial credit analysis experience preferred. 1-3 years of banking experience required. Experience with quantitative analysis methods along with knowledge of loan documentation and appraisal analysis. Excellent organizational and analytical skills partnered with sound judgement. Excellent interpersonal, verbal, and written communication skills. Strong computer skills including Microsoft office and financial software. Requires being reliable, responsible, and dependable to fulfill the obligations of this role. Physical Demands: The physical demands described are representative to those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee must be able to stand and sit for extended lengths of time, read computer screens, talk on the phone, unpack and move supplies up to fifty (50) pounds, reach, kneel, bend, climb and balance. Vision abilities required for this job include close vision. Work Environment: While performing the duties of this job, the work environment is primarily a professional, deadline driven environment with interaction of internal team members and external customers. Noise level in the work environment can be loud. Additional Duties: This is only a summary of the typical functions of this position, not an exhaustive nor all-inclusive list of all possible job responsibilities, tasks, duties, knowledge, skill and ability required to perform this job. Additional duties and responsibilities may be added to this at any time. The does not state or imply that these are the only activities to be performed by the employee(s) holding this position. Employees are required to follow any other job-related instructions and to perform any other job-related responsibilities as required. Job descriptions are not intended to and do not create employment contracts. Community National Bank maintains its status as an at-will employer. Team members can be terminated at any time, for any reason not prohibited by law. Community National Bank is an equal opportunity employer.

The Credit Analyst's primary function will be to provide credit analysis assistance to the lenders. This position will monitor incoming financial statements for covenant requirements. The Credit Analyst will perform collateral audits, accounts receivable analysis, and borrowing base certificate reviews. This position is responsible for developing and maintaining knowledge of all loan-related regulations and internal compliance procedures. The Credit Analyst must perform all job responsibilities according to compliance requirements. The level of this position is based on years of service, education and/or equivalent experience, knowledge level and skill set. Essential Functions: To perform this job successfully, an individual must be able to perform each Essential Function and Skill satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Spread financial statements as requested; while maintaining a working knowledge of lending software, to provide overall support and assistance to Lending staff in the financial analysis process. Conduct industry research and locate resource material for peer comparison. Review incoming financial statements. Update and/or complete financial spreads and covenant monitoring spreadsheets to be forwarded to the appropriate Lending staff. Review and assist in negotiating loan agreements and ancillary documents related to transaction closing. Complete an analysis of accounts receivable aging and borrowing base certificates received from borrowers. Update the customer information system with current availability information. Understand the clients' needs and identify potential cross-selling opportunities for other Bank products and services. Perform collateral audits, as requested. Provide written financial statement analysis for credit presentations, file comments and annual reviews. Maintain the report of review due and work with lenders to keep comments current. Monitor and report on specialized portfolios. Perform an annual review of loan portfolios and report findings to appropriate lenders. Provide management report of outstanding issues. Complete periodic reviews of file quality for participation portfolio. Communicate security valuations deficiencies with lenders and perform any follow up action requested. Provide a summary of actions to supervisor. Perform duties in accordance with company policies and procedures, as well as Federal and State Regulations and Laws. Excellent written and verbal communication skills. Ability to multitask. Ability to prioritize workload. Assist co-workers as needed. All employees are expected to exemplify and follow our core values. Regular attendance and punctuality when reporting to work. Travel for trade and industry schools and seminars as needed. This position may require installation of a Multi-Factor Authentication (MFA) app on an employee's personal mobile device. THE MFA apps are used to authenticate a user's identity to the system for security purposes. Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank's policies and procedures. Perform other duties as assigned and requested. Core Values Humility - We are “blue-collar bankers”. We are relatable, down-to-earth people who greet our smallest customer the same way we greet our largest. Respectful, Genuine Care for Others - We care about each other, we care about our customers, and we care about our communities. Finds A Way - This simply put, is nothing more than attitude. It's a can-do spirit, a desire to help, to contribute, to go above and beyond, and to make a difference. Effort - We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled, and we need to earn it from our customers and each other every day. Owning-It - Owning-It or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank, it's about ownership. When an employee says they will do something, they follow through and get it done. Education and Experience: Required - High School diploma or GED, etc. Required - Continuing Education to maintain job knowledge. Preferred - One to three years of banking experience. Preferred - One to three years of Financial or Credit Analyst experience. Preferred - Proficiency in Microsoft Suites. Citizens Alliance Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual preference or orientation, gender identity, gender expression, national origin, disability, veteran status and all other protected classes.

Parma, Ohio **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (******************************************************************************************* **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Job Description:** This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. **Responsibilities:** + Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities + Assists, educates, and trains clients on conducting simple transactions through self-service technologies + Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy + Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping + Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements **Required Qualifications:** + Minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment + In lieu of one year of sales experience, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I) or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months + Enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client + Collaborates effectively to get things done, building and nurturing strong relationships + Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives + Confident in identifying solutions for helping new and existing clients based on their needs + Strong written and verbal communications skills + Can communicate effectively and confidently and is comfortable engaging all clients (in-person and by phone) + Ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances + Applies strong critical thinking and problem-solving skills to meet clients' needs + Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously + Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws) + Must be able to work weekends and/or extended hours and travel to any financial center location within a reasonable distance **Desired Qualifications:** + Associate's Degree or Bachelor's Degree in business, finance or a related field + Experience working in a financial center where goals were met or exceeded + Retail and/or sales experience in a salary plus incentive environment + Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded + Experience with financial information, spreadsheets and financial skills + Knowledge of banking products and services + Strong computer skills including Microsoft applications and previous experience utilizing laptop technology **Skills:** + Active Listening + Business Acumen + Customer and Client Focus + Oral Communications + Problem Solving + Account Management + Client Experience Branding + Client Management + Client Solutions Advisory + Relationship Building + Business Development + Pipeline Management + Prospecting + Referral Identification + Referral Management **Minimum Education Requirement:** High School Diploma / GED / Secondary School or equivalent **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.