Credit Risk Analyst jobs at Broadstone Net Lease - 268 jobs

The Senior Analyst, Credit Risk will conduct in-depth financial analysis for Broadstone Net Lease. This position will support the timely and accurate production of detailed financial analysis and prepare financial reports, findings, and recommendations to inform decision making. The ideal candidate will be experienced in financial statement analysis and evaluation methods; have excellent writing, presentation, and interpersonal skills; be able to communicate and work well with internal colleagues and external tenants at all levels; and desire to advance one s and others knowledge through data analysis. This position reports to the Director, Credit Risk and can be based in Rochester, NY, Phoenix, AZ, or full-time remote (if located outside of Rochester or Phoenix). Essential Job Duties & Responsibilities: Complete comprehensive analysis on prospective and existing tenants to identify trends, measure performance, assess financial strength, and identify potential risks Compare financial statements of tenants being evaluated with those of similar establishments in the same industries and markets Maintain financial reports that summarize the overall financial position of the tenant portfolio Track industry trends and tenant news Translate findings into clear, concise written and verbal presentations and make recommendations to the Director, Credit Risk and senior management regarding investment opportunities Assist the Director, Credit Risk in preparing applicable portfolio credit information to be included in various Board of Director and Investment/Portfolio Review Committee reporting Perform sensitivity analysis to assess how variations in modeling assumptions impact the tenant s financial performance Responsible for calculating and reporting quarterly credit metrics including tenant risk ratings, aggregate investment grade percentage, site-level rent coverage ratios, and watchlist statistics Build and maintain effective relationships with tenants and collaborate closely with internal finance, underwriting, acquisitions, and property management teams Assist the Director, Credit Risk in quarterly portfolio monitoring, including site-level reporting and analysis of agency investment grade credit ratings Continue to improve and develop tenant financial analysis tools, procedures, and reports Travel to corporate headquarters located in Victor, NY for employee events and training as necessary Executes duties and maintains standards in accordance with company policies and procedures Additional duties as required Overtime hours may be required as job duties demand Skills/Qualifications: Strong financial analysis skills with an in-depth ability to read, evaluate, and understand internal and audited financial statements and SEC filings Strong quantitative and qualitative analysis, data manipulation and due diligence skills, with the ability to apply data management skills to complex business situations Knowledge of financial ratio analysis and GAAP accounting Understanding of finance, real estate, and capital markets terms and concepts Effective verbal and written communication skills with ability to effectively present data and findings Strong attention to detail with a focus on quality and accuracy in a fast-paced environment Experienced information gathering and information monitoring skills Effective decision-making skills and an ability to perform under deadline pressure Demonstrated ability to take ownership of assigned tasks and processes, with an ability to prioritize multiple projects and a commitment to meet strict deadlines Proficiency in Microsoft Office applications including Word, PowerPoint, Outlook, and Excel Strong collaborator with a proven ability to work across teams, functions, and levels of the organization Education/Experience: Bachelor s degree in finance, accounting or related field from a four-year accredited college or university required 3-5+ years of finance/underwriting experience in a professional services environment Experience with Moody s and/or S&P tools preferred Formal credit training, commercial credit underwriting experience preferred Experience working with Power BI a plus Experience working with MRI commercial property management software a plus Environment and Physical Demands: Professional office environment with routine use of standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machine; noise level typical of a standard office environment Prolonged sitting, computer and telephone use, as well as standing, filing, stooping, bending, reaching and lifting, and carrying up to 15 pounds Ability to travel by plane, train, and automobile and operate a motor vehicle The above description is not intended to define, in detail, the multitude of tasks that may be assigned, but rather to provide a general sense of the responsibilities and expectations of the position. As the nature of business demands change, so too may the functions of this position.

The Senior Analyst, Credit Risk will support the timely and accurate production of detailed financial analysis and prepare financial reports, findings, and recommendations to inform real estate investment decision making. The ideal candidate will be experienced in financial statement analysis and evaluation methods; have excellent writing, presentation, and interpersonal skills; be able to communicate and work well with internal colleagues and external tenants at all levels; and desire to advance one's and others' knowledge through data analysis. Essential Job Duties & Responsibilities: Complete comprehensive analysis on prospective and existing tenants to identify trends, measure performance, assess financial strength, and identify potential risks Compare financial statements of tenants being evaluated with those of similar establishments in the same industries and markets Maintain financial reports that summarize the overall financial position of the tenant portfolio Track industry trends and tenant news Translate findings into clear, concise written and verbal presentations and make recommendations to the Director, Credit Risk and senior management regarding investment opportunities Assist the Director, Credit Risk in preparing applicable portfolio credit information to be included in various Board of Director and Investment/Portfolio Review Committee reporting Perform sensitivity analysis to assess how variations in modeling assumptions impact the tenant's financial performance Responsible for calculating and reporting quarterly credit metrics including tenant risk ratings, aggregate investment grade percentage, site-level rent coverage ratios, and watchlist statistics Build and maintain effective relationships with tenants and collaborate closely with internal finance, underwriting, acquisitions, and property management teams Assist the Director, Credit Risk in quarterly portfolio monitoring, including site-level reporting and analysis of agency investment grade credit ratings Continue to improve and develop tenant financial analysis tools, procedures, and reports Travel to corporate headquarters located in Victor, NY for employee events and training as necessary Executes duties and maintains standards in accordance with company policies and procedures Additional duties as required Overtime hours may be required as job duties demand Skills/Qualifications: Strong financial analysis skills with an in-depth ability to read, evaluate, and understand internal and audited financial statements and SEC filings Strong quantitative and qualitative analysis, data manipulation and due diligence skills, with the ability to apply data management skills to complex business situations Knowledge of financial ratio analysis and GAAP accounting Understanding of finance, real estate, and capital markets terms and concepts Effective verbal and written communication skills with ability to effectively present data and findings Strong attention to detail with a focus on quality and accuracy in a fast-paced environment Experienced information gathering and information monitoring skills Effective decision-making skills and an ability to perform under deadline pressure Demonstrated ability to take ownership of assigned tasks and processes, with an ability to prioritize multiple projects and a commitment to meet strict deadlines Proficiency in Microsoft Office applications including Word, PowerPoint, Outlook, and Excel Strong collaborator with a proven ability to work across teams, functions, and levels of the organization Education/Experience: Bachelor's degree in finance, accounting or related field from a four-year accredited college or university required 3-5+ years of finance/underwriting experience in a professional services environment Experience with Moody's and/or S&P tools preferred Formal credit training, commercial credit underwriting experience preferred Experience working with Power BI a plus Experience working with MRI commercial property management software a plus

Empowered to live. Inspired to work. Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin. We bring together team members with a variety of backgrounds and experiences to help provide financial services to support agriculture and rural communities. Join us in a culture that not only promotes meaningful work and professional development, but provides a flexible, hybrid work environment and excellent benefits, which empower you to thrive both personally and professionally. How we support you: Hybrid model - up to 50% work from home Flexible schedules including ample flexibility in the summer months Up to 9% towards 401k (3% fixed Compeer contribution plus up to 6% match) Benefits: medical, dental, vision, HSA/FSA, life & AD&D insurance, short-term and long-term disability, wellness program & EAP Vacation, sick leave, holidays/floating holidays, parental leave, and volunteer paid time off Learning and development programs Mentorship programs Cross-functional committee opportunities (i.e. Inclusion Council, emerging professional groups, etc.) Professional membership/certification reimbursement and more! Casual/seasonal & intern team members are not eligible for benefits except for state-mandated programs. To learn more about Compeer Financial visit************************ This position offers a hybrid work option up to 50% remote and is open to any Compeer office location in Illinois, Minnesota and Wisconsin. The contributions you will make: This position is responsible for the management and servicing of high risk asset portfolio's across an assigned region or territory. Evaluates, underwrites and makes credit decisions for commercial, traditional, investor, and consumer loan requests originated by Compeer team members and decides if the characteristics of the credit package present an acceptable level of credit risk for the organization. Provides relationship based financial solutions for farmers, investors, and rural consumers in area of expertise within delegated authority. May be assigned a specific industry or subject matter on which to focus A typical day: Credit Analysis and Decision Making. Analyzes financial and supporting information submitted for formal and informal lending and servicing requests. Identifies, communicates, and assists in the collection of financial information required to process lending and servicing requests. Approves, declines, or escalates credit decision to higher authority levels as required. Determines appropriate level of analysis and due diligence required based on credit risk Determines appropriate account classification and probability of default rating. Effectively communicates the credit decision, terms, conditions, and findings through a formal narrative write-up. Establishes loan conditions and closing requirements for approved actions. Answers questions and provides direction on any credit related issues that arise during the processing, closing, and servicing of lending transactions. Serves as a resource to credit team members regarding policies, procedures, and credit related matters. Credit Counseling. Partners with team members to provide credit counsel and financial solution options for clients. Determines how to structure credits to meet internal lending requirements, client expectations, and the organizations growth objectives. Meets with clients to provide quantitative assessments of financial performance in relation to internal lending standards. Monitors assigned credit leasing portfolio and assists Farm Credit Leasing Special Assets and Compeer Risk Asset units as required in servicing delinquent and stressed accounts. Establishes servicing plans and other monitoring requirements for financially stressed accounts. Collection Services. Conducts and participates in complex negotiations for collecting or correcting non-performing accounts. Approves or denies restructuring applications, standstill agreements and re-amortizations. Counsels and convinces clients to agree on a workable solution. Approves sending account to attorney to file litigation. Inspects security to determine condition and approves partial release of security. Discusses collection strategies with peers, legal counsel, and various research companies to develop the best collection strategy Manages the collections of loans for contract entity by collecting loan payoffs and negotiating settlements. Manages legal activities related to strategy, litigation, proceedings and hearings. Subject Matter Expert. Acts as Compeer's representative for activities and business transactions in assigned industry or line of business. Keeps knowledge up to date with industry trends and procedures. Attends off site training events to keep current as necessary. The skills and experience we prefer you have: Bachelor's degree in agriculture, finance, accounting, or related field; or an equivalent combination of education and experience sufficient to perform the essential functions of the job. 1-4 years of experience in agriculture and business/finance. Oral and written communication skills sufficient to discuss a variety of job-related topics, and effectively communicate complex topics to a variety of audiences. Skill in analyzing information to formulate logical and objective conclusions. Skill in utilizing Word/Excel/PowerPoint/Outlook to increase efficiency and/or effectiveness. Skill in utilizing a systematic approach to problem solving. Solid knowledge of loan analysis and sound credit administration principles. Skill in negotiating acceptable and favorable terms and conditions related to loan collections. Solid knowledge of Borrower Rights related to loan servicing. Working knowledge of real estate marketing related to acquired property management. Extensive Credit Underwriting experience. Basic accounting knowledge. Ability to establish and maintain a network of internal and external agricultural influencers and professionals. #IND200 How we will take care of you: Our job titles may span more than one career level (associate, senior, principal, etc.). The actual title and base pay offered is dependent upon many factors, such as: training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role is eligible for variable compensation and other benefits. Compeer Financial is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Must be authorized to work for any employer in the United States. Compeer is unable to sponsor or take over sponsorship of an employment visa at this time. Click here to view federal employment laws applicable for applicants.

Empowered to live. Inspired to work. Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin. We bring together team members with a variety of backgrounds and experiences to help provide financial services to support agriculture and rural communities. Join us in a culture that not only promotes meaningful work and professional development, but provides a flexible, hybrid work environment and excellent benefits, which empower you to thrive both personally and professionally. How we support you: Hybrid model - up to 50% work from home Flexible schedules including ample flexibility in the summer months Up to 9% towards 401k (3% fixed Compeer contribution plus up to 6% match) Benefits: medical, dental, vision, HSA/FSA, life & AD&D insurance, short-term and long-term disability, wellness program & EAP Vacation, sick leave, holidays/floating holidays, parental leave, and volunteer paid time off Learning and development programs Mentorship programs Cross-functional committee opportunities (i.e. Inclusion Council, emerging professional groups, etc.) Professional membership/certification reimbursement and more! Casual/seasonal & intern team members are not eligible for benefits except for state-mandated programs. To learn more about Compeer Financial visit************************ Where you will work: This position offers a hybrid work option up to 50% remote and is based out of the MN-Lakeville, MN-Rochester, IL-Bloomington, or WI-Sun Prairie office locations. The contributions you will make: This positionreviewscomplexloan requeststhat are submitted to the Credit Compeer Hometeamand documentsthe appropriate level of analysis required to make a credit decision.Issuestheproperloan conditions tied to various consumer loan products within Compeer Home. Communicateswith lending officers within CompeerHometeam to discuss lending alternatives,additionalinformationrequiredto make a lendingdecisionand issuesrelated to the loan request. Communicateswith Credit Officers and Financial Officers assigned to Ag Lendingrelationships toensure the Compeer Homesubject loan request is in the best interest of all areas of Compeer Financial and the consumer.Reviews and provides decision on servicing actions. A typical day: Home Mortgage Underwriting and Credit Analysis Analyzes and provides quality,accuratecredit decisions for complex loan packages across all three Compeer home mortgage products (RuraLiving,Portfolio and Freddie Mac). Reviewsanddocumentsloan conditions andtransactions to ensurecompliance and credit guidelines are met. Collaborates with Ag Lendingto analyze complex farming operations with consumer loan requests. Leadslargermore complexloan requests, may berequiredto interact directly with the borrower,partneror other outside parties. Reviewsall documents needed for final approval. Utilizes Freddie Mac automated underwriting and analysis tools such as runningloansthrough Loan Product Advisor andtheappraisal throughthe Uniform Collateral Data Portal if applicable. Updatesthe Loan Origination Systemwith all underwriting information. Maintains the underwriting spreadsheet. Serves asaresource for team members toassistwith fielding questions. Appraisal Review Verifies the subject property is acceptable collateral for the loan program. Reviews the accuracy and opinion of the market value on appraisals. Reviewscompstodetermineif theyarecomparable and adequate with the necessary marketability comments provided. Verifiesthe property meets all necessary program guidelines(property is adequatelyreviewedand sales are comparable). Product Guidance Providesproductsupport(Freddie Mac,RuraLivingor Portfolio)forthe Credit Compeer HomeTeam and all of CompeerHome. Reviews guidelines on a regular basis and providesrecommendationsto leadershipand/orproductexperts. Answersloan questionssubmittedto the Credit Compeer HomeTeam from Compeer Home,banksand Farm Credit partners. Servicing Actions Reviews submissions anddetermineif all required documentation is in the file. Determinesif collateral can be released and if any proceeds need to be applied to the loan. Determinesif co-signer can be released of liability by reviewing all documentation against loan guidelines. Documents servicing request and underwriting criteria used to approve or deny the request. Communicatesthe decision which include conditions required to be met, in order for the action to be approved. The skills and experience we prefer you have: Bachelor'sdegree inaccounting,finance, economics, agribusinessor related field OR an equivalent combination of education and experience sufficient to perform the essential functions of the job. Advanced-level of experience inconsumer mortgage finance including areas such as underwriting, processing, operations,servicingand/or lending. Advanced knowledge of consumer lending, underwriting practices,compliance, regulations,and loan programs. In-depth understanding of credit processing and servicing. Strongaccounting principles and credit administration. Advancedunderstanding of loan processing and servicing. Knowledge of agricultural businesses and operations, production practices, and understanding of credit standards used by Compeer to analyze operations. Ability to make sound credit decisions independently and efficiently. Developed negotiating skills and the ability to organically create and propose creative financing solutions that drive portfolio growth while mitigating credit risk. Strong listening, written and verbal communication skills, withabilityto communicate at all levels of the organization. Skill in developing andmaintaininginterpersonal relationships. Strong computer skills, including Microsoft Office applicationsand customer relationship management (CRM) programs. Valid driver's license. May berequiredto travel and present,trainand interact with team members, bank partners,Farm Credit Associationsor at trade shows/conferences. How we will take care of you: Our job titles may span more than one career level (associate, senior, principal, etc.). The actual title and base pay offered is dependent upon many factors, such as: training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role is eligible for variable compensation and other benefits. Base Pay$82,400-$124,500 USD Compeer Financial is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Must be authorized to work for any employer in the United States. Compeer is unable to sponsor or take over sponsorship of an employment visa at this time. Click here to view federal employment laws applicable for applicants.

Empowered to live. Inspired to work. Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin. We bring together team members with a variety of backgrounds and experiences to help provide financial services to support agriculture and rural communities. Join us in a culture that not only promotes meaningful work and professional development, but provides a flexible, hybrid work environment and excellent benefits, which empower you to thrive both personally and professionally. How we support you: Hybrid model - up to 50% work from home Flexible schedules including ample flexibility in the summer months Up to 9% towards 401k (3% fixed Compeer contribution plus up to 6% match) Benefits: medical, dental, vision, HSA/FSA, life & AD&D insurance, short-term and long-term disability, wellness program & EAP Vacation, sick leave, holidays/floating holidays, parental leave, and volunteer paid time off Learning and development programs Mentorship programs Cross-functional committee opportunities (i.e. Inclusion Council, emerging professional groups, etc.) Professional membership/certification reimbursement and more! Casual/seasonal & intern team members are not eligible for benefits except for state-mandated programs. To learn more about Compeer Financial visit************************ Where you will work:This position offers a hybrid work option (up to 50% remote) and is open to any Compeer office location in Illinois, Minnesota and Wisconsin. The contributions you will make: This position collaborates with internal sales and credit teams across business units to originate and service financing packages, including those that involve the use of government-sponsored programs or external funding partners. Applies knowledge of governmentally sponsored financing programs from agencies such as USDA Rural Development and the Small Business Administration in order to contribute the preparation, review and submission of program financing applications. Provides support for financial analysis and underwriting on a variety of Compeer and Agri-Access counterparties, including local banks, Farm Credit System entities and other funding partners. Contributes to the closing and servicing processes to ensure compliance with government regulations and reporting requirements as well as requirements specific to the financing agreements. A typical day: Industry Knowledge and Application Develops and maintains working knowledge of government guarantee financing programs (e.g., those delivered by USDA Rural Development, the Small Business Administration and federal and state agencies) and applies it to the origination and servicing of financing packages, clearly communicating program requirements and expectations to all participants. Contributes to the education of internal team members, clients/prospects and financing partners about government sponsored financing programs. Prepares and updates reference resources to help stakeholders understand program guidelines, eligibility criteria and requirements. Researches program updates, working with senior team members to summarize and communicate key changes and identify opportunities. Financing Origination Process Contributes to the preparation and submission of government guarantee program financing applications, serving as a contact with government program delivery staff and communicating directly with clients/prospects. Evaluates initial eligibility, flagging issues and ensuring that applications are accurate, complete and align with program guidelines. Resolves routine program-related matters and explains general guidelines, regulations and requirements to team members and outside partners. Escalates or provides support to senior team members in the resolution of complex issues. Reviews financing approval documentation from government agencies to ensure compliance with Compeer conditions and client expectations. Reviews legal documentation prior to closing to ensure compliance with government program approval requirements and identifies discrepancies or issues. Participates in the preparation of investment eligibility and approval requests from regulating bodies and funding bank, when applicable. May market to and participate in the performance of government guarantee packaging services for outside lenders similar to those services provided to internal team members. Financing Servicing Process Works with sales and credit teams in servicing of existing financing to monitor credit quality and compliance with financing covenants and government financing program requirements. When applicable, assists with construction monitoring duties such as draw request review and approvals, construction budget tracking and other general construction monitoring services in compliance with government financing program requirements and in collaboration with other team members. Shares ongoing reporting information with financing partners, bond trustees and other third parties involved to ensure compliance with legal documents and partner requirements. Completes reporting obligations for USDA, SBA and other governmental agencies whose financing programs are utilized. Counterparty Analysis Works jointly with lending officers to determine and request information needed to analyze current and prospective financing partners. Contributes to preparation of credit narratives for Credit Committee approval after communicating with internal and external team members. Assists with the analysis of financial statements and supporting documentation of current and prospective financing partners where recommendations are made to Credit Committee related to approval and limits of approval for counterparty financing institutions. The skills and experience we prefer you have: Bachelor's degree in business administration, finance, economics, or related field or an equivalent combination of education and experience sufficient to perform the essential functions of the job. Proficient experience in commercial lending, credit analysis, government guarantee financing program delivery or similar roles. Basic understanding of government guarantee financing programs, including those under USDA Rural Development, the Small Business Administration and other federal and state government programs, needed to educate team members and outside parties about specific government financing programs. General understanding of credit processing and financing servicing activities, accounting principles and practices, credit analysis, credit administration, construction financing monitoring and portfolio management. Collaborative team-player who can succeed in an environment where success is determined as a team. Skill in developing and maintaining interpersonal relationships inside and outside of the organization. Analytical and time management skills with attention to detail. How we will take care of you: Our job titles may span more than one career level (associate, senior, principal, etc.). The actual title and base pay offered is dependent upon many factors, such as: training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role is eligible for variable compensation and other benefits. Base Pay$66,000-$111,400 USD Compeer Financial is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Must be authorized to work for any employer in the United States. Compeer is unable to sponsor or take over sponsorship of an employment visa at this time. Click here to view federal employment laws applicable for applicants.

BSA/AML Analyst I Corporate Title: BSA/AML I Analyst (Exempt) EEOC Class: Professional Carver Bancorp, Inc. (NASDAQ: CARV) the holding company for Carver Federal Savings Bank, is a federally chartered institution with approximately $610 million in assets and 125 employees. The Bank was chartered in 1948 to address the banking needs of middle income and underserved communities in New York City. Carver operates 8 full service branches in the New York City boroughs of Brooklyn, Queens and Manhattan. The Bank provides commercial real estate and small business loans and a range of complementary bank products and services. Position Summary Assist the Bank Secrecy Act (“BSA”) Officer in maintaining Carver's BSA, Anti-Money Laundering (“AML”) and Office of Foreign Assets Control (“OFAC”) compliance program. Duties and Responsibilities Review alerts generated by the monitoring system concerning customer transactions for unusual or suspicious activity and, when needed, prepare SAR drafts for approval and filing. Perform OFAC alerts review that are generated by the internal system; conduct 314(a) searches in compliance with the Information Sharing requirements of the USA PATRIOT Act. Periodically scan Carver's customer database against the OFAC list by using Fiserv - Navigator. Review and investigate referrals received by the Bank departments. Support Carver branch network by guiding potential OFAC “hits.” Support branch function with regards to the review of the monetary instrument log. Review and prepare Currency Transaction Reports (“CTRs”). Conduct periodic reviews of high‑risk accounts and customers (EDD reviews). Assist the BSA/AML Officer for daily operations. Present or assist in presenting BSA and OFAC training materials to other Bank employees, such as New Hire Orientation. Prepare specialized reports using Microsoft Excel and the BSA Department Software, known as Fiserv‑Navigator. To successfully perform this function, the BSA Analyst must Be familiar with “Red Flags” for identifying unusual or suspicious activity. Ongoing training is provided to ensure updated knowledge of money laundering and terrorist financing typologies. Utilize internal and external resources to research the customer and account action under review to arrive at a preliminary determination on the nature of the activity. Internal resources include Carver's databases, such as our check imaging system, and external resources including internet searches such as Google. Be able to interact with management with ease. Be comfortable at giving presentations. Have knowledge of banking such as KYC for consumer and business banking customers. Maintain knowledge of new laws and regulations related to BSA/AML, and OFAC promulgated by the Federal Authorities. Requirements Excellent writing and verbal communication skills. Good organizational and time‑management skills. Interest, motivation, and commitment to the subject matter. Computer Skills Use BSA Department system (Fiserv - AML Manager). Use Microsoft Word and Excel. Research checks and deposited items using Fiserv - Navigator. Research wires. Conduct internet research. Take and save screenshots. Navigate a hard drive. Working knowledge of the principles and procedures related to AML, BSA, OFAC regulations and the USA Patriot Act requirements. ACAMS certification a plus. Ability to read, analyze and interpret regulatory requirements. Must be self‑motivated and able to function with minimal supervision, and flexible enough to work within a team environment or independently as required. Ability to define problems, collect data, establish facts, and individually draw valid conclusions. Detail‑oriented with strong technical and analytical skills, and an ability to multi‑task and handle deadlines. Minimum of three years of experience working in Compliance, Banking or Financial Services. #J-18808-Ljbffr

At Nicolet National Bank, our culture is based on the principles of community banking, putting the needs of our customers at the forefront of our decision-making. Our Core Values drive everything we do, and we are committed to serving our customers with excellence. We believe that every job in our organization is critical to our success, and we are dedicated to creating a work environment where our employees feel valued, respected, and supported. With locations in Wisconsin, Michigan, Minnesota, and Florida we are proud to service our local communities and make a positive impact on the lives of our customers. At Nicolet National Bank, we believe that our people are our most valuable asset, and we are committed to investing in their growth and development. The Credit Analyst is responsible for analyzing credit information pertaining to commercial loans. The Credit Analyst prepares or assists in the preparation of credit reports for presentation to loan committee, furnishes information in relation to credit inquiries, conducts credit investigations, and provides assistance to the Commercial Lenders as requested. As a Credit Analyst, you will: Spread and make interpretive analysis of financial statements, to include historical analysis and financial forecasting using the Baker Hill Statement Analyzer software; Analyze sources of cash flow used for repayment and identify and evaluate cash flow and ratio trends; Identify and evaluate business and industry risks, management and collateral support. Prepare credit write-ups for presentation at credit committee meetings. Work closely with lending officers to ensure thorough underwriting and evaluation of business credit requests and ensure compliance with the bank's credit policy and lending regulations. Complete real estate evaluations for loans secured by real estate. Review commercial loans granted to ensure proper documentation is obtained, executed, and on file. Assist with the Loan Review function to ensure appropriate credit grading, including but not limited to credit analysis and documentation review. Assist in the preparation of monthly and quarterly loan reports for use by management and the Board of Directors. Monitor accounts receivable and inventory loans for adequate collateral coverage; monitor borrower compliance with loan covenants and financial reporting requirements; track and report results using the bank's exception tracking systems. Assist in monitoring loans for compliance with federal banking laws and regulations, regulatory guidelines, and the bank's lending policy; Identify non-compliance and monitor for correction of exceptions. Conduct and develop research projects useful to the lending function. Assist in the ongoing maintenance of all credit files, including filing of credit information and the purging of outdated information that is no longer needed in the credit files. Uphold Nicolet's philosophy and policies by maintaining appropriate controls to ensure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of services provided by Nicolet. Understand and communicate the value of diversity within the workplace and to work successfully with others without regard to age, gender, race, sexual orientation, ethnicity, culture, religion, disability status, socioeconomic status, or other non-job-related classification, including a commitment to Nicolet's policies on equal employment opportunities and non-discrimination with a willingness to pursue efforts of inclusion and respect toward different perspectives. Performs all other duties as assigned. Qualifications: Bachelor's degree in Finance, Business Administration, Accounting or Economics or equivalent work experience Benefits: Medical, Dental, Vision, & Life Insurance 401(k) with a company match PT0 & 11 1/2 Paid Holidays The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities and skills required for the position. Equal Opportunity Employer/Veterans/Disabled

At Nicolet National Bank, our culture is based on the principles of community banking, putting the needs of our customers at the forefront of our decision-making. Our Core Values drive everything we do, and we are committed to serving our customers with excellence. We believe that every job in our organization is critical to our success, and we are dedicated to creating a work environment where our employees feel valued, respected, and supported. With locations in Wisconsin, Michigan, Minnesota, and Florida we are proud to service our local communities and make a positive impact on the lives of our customers. At Nicolet National Bank, we believe that our people are our most valuable asset, and we are committed to investing in their growth and development. The Credit Analyst is responsible for analyzing credit information pertaining to commercial loans. The Credit Analyst prepares or assists in the preparation of credit reports for presentation to loan committee, furnishes information in relation to credit inquiries, conducts credit investigations, and provides assistance to the Commercial Lenders as requested. As a Credit Analyst, you will: Spread and make interpretive analysis of financial statements, to include historical analysis and financial forecasting using the Baker Hill Statement Analyzer software; Analyze sources of cash flow used for repayment and identify and evaluate cash flow and ratio trends; Identify and evaluate business and industry risks, management and collateral support. Prepare credit write-ups for presentation at credit committee meetings. Work closely with lending officers to ensure thorough underwriting and evaluation of business credit requests and ensure compliance with the bank's credit policy and lending regulations. Complete real estate evaluations for loans secured by real estate. Review commercial loans granted to ensure proper documentation is obtained, executed, and on file. Assist with the Loan Review function to ensure appropriate credit grading, including but not limited to credit analysis and documentation review. Assist in the preparation of monthly and quarterly loan reports for use by management and the Board of Directors. Monitor accounts receivable and inventory loans for adequate collateral coverage; monitor borrower compliance with loan covenants and financial reporting requirements; track and report results using the bank's exception tracking systems. Assist in monitoring loans for compliance with federal banking laws and regulations, regulatory guidelines, and the bank's lending policy; Identify non-compliance and monitor for correction of exceptions. Conduct and develop research projects useful to the lending function. Assist in the ongoing maintenance of all credit files, including filing of credit information and the purging of outdated information that is no longer needed in the credit files. Uphold Nicolet's philosophy and policies by maintaining appropriate controls to ensure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of services provided by Nicolet. Understand and communicate the value of diversity within the workplace and to work successfully with others without regard to age, gender, race, sexual orientation, ethnicity, culture, religion, disability status, socioeconomic status, or other non-job-related classification, including a commitment to Nicolet's policies on equal employment opportunities and non-discrimination with a willingness to pursue efforts of inclusion and respect toward different perspectives. Performs all other duties as assigned. Qualifications: Bachelor's degree in Finance, Business Administration, Accounting or Economics or equivalent work experience Benefits: Medical, Dental, Vision, & Life Insurance 401(k) with a company match PT0 & 11 1/2 Paid Holidays The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities and skills required for the position. Equal Opportunity Employer/Veterans/Disabled

Corporate Title: Vice President Department: Risk Management The pay range for this position at commencement of employment is expected to be between $145,000 and $175,00/year* Company Overview Nomura is a global financial services group with an integrated network spanning over 30 countries and regions. By connecting markets East & West, Nomura services the needs of individuals, institutions, corporates and governments through its three business divisions: Wealth Management, Wholesale (Global Markets and Investment Banking), and Investment Management. Founded in 1925, the firm isbuilt on a tradition of disciplined entrepreneurship, serving clients with creative solutions and considered thought leadership. For further information about Nomura, visit *************** Aon's Benefit Index , Nomura's benefits rank #1 amongst our competitors Department Overview Credit Risk Management (CRM), as the second line of defense, is a key function in protecting and making sure that we take prudent risk for Nomura. The group evaluates transactions and approves, rejects, or modifies them depending on the credit quality of each counterparty and structure. The department also assigns internal credit ratings, and establishes and manages credit risk limits in accordance with the risk tolerance. The Corporate Credit Risk Team is looking for a dynamic individual at the Vice President level to support coverage a range of Nomura's structured credit businesses. Role Description Analyze credit risk of structured credit transactions within the Asset-Backed Lending, Lender Finance, Trade Finance, and certain other Private Credit products, primarily consisting of receivables / payables / inventory financing. Scope of work includes, but is not limited to, fundamental financial analysis, evaluation of deal structures, review of legal terms & conditions, and coordinating credit approval processes including senior-level briefings. The position will involve ownership of analyzing & assigning internal credit ratings, evaluating major risks & risk mitigants of new transactions and preparation of internal memorandums to document decision rationale. Propose structural changes for new & existing transactions as required to manage higher risk situations or those that are experiencing negative credit trends. Participate in and lead counterparty due diligence discussions via calls and on-site visits with clients' or borrowers' management teams. Provide feedback on structuring of key commercial / legal terms in conjunction with other control areas including Legal / Finance. Own & manage a portfolio of Investment Grade & Sub-Investment Grade credit exposures, including ensuring timely credit reviews, participation in periodic lender calls, and holistic portfolio reviews. Track developments in regulatory & industry-specific operating environments, and monitor counterparty credit profile or changes in external ratings. Ensure pro-active socialization and / or escalation of such developments as needed. Participate in various firm-wide projects within Risk and Business colleagues across regions, including regular and ad-hoc portfolio / limit reviews. Ability to mentor and support development of junior members of the team. Skills, Experience, Qualifications and Knowledge Required Minimum 7 years of Credit Risk experience within credit risk covering structured credit products. Strong understanding of asset-based and other bespoke lending structures. Strong written & verbal communication skills, including experience in discussions with Senior Risk Management personnel and responses to regulatory requests. Ability to effectively manage due diligence processes and strong analytical skills with respect to borrower financial data and loan portfolio performance metrics Strong familiarity with corporate financial statement analysis and credit risk metrics. Understanding credit and trading documentation (e.g. Credit Agreements, ISDAs) and experience negotiating credit terms for legal documentation a plus. Comfort interacting with the relevant business areas and coordinating between Risk Management areas and Front Office desks. Advising and / or assisting deal teams in a fast-paced, high-pressure environment with the ability to prioritize and complete tasks according to project needs. Leveraging effective business writing and verbal skills to drive consensus-building to achieve strong results. Bachelor's degree in Accounting or Finance preferred. Nomura Competencies Explore Insights & Vision Identify the underlying causes of problems faced by you or your team and define a clear vision and direction for the future. Making Strategic Decisions Evaluate all the options for resolving the problems and effectively prioritize actions or recommendations. Inspire Entrepreneurship in People Inspire team members through effective communication of ideas and motivate them to actively enhance productivity. Elevate Organizational Capability Engage proactively in professional development and enhance team productivity through the promotion of knowledge sharing. Inclusion Foster a culture of inclusion and psychological safety in the workplace and cultivate a "Risk Culture" (Challenge, Escalate and Respect). *base pay offered may vary depending on multiple individualized factors, including market location, corporate and functional title and duties, job-related knowledge and advanced degrees, skills, and experience. The total compensation package for this position may also include other elements, including a sign-on bonus, restricted stock units, discretionary awards and eligibility for commissions for applicable sales roles in addition to a full range of medical, financial, and/or other benefits (including 401(k) eligibility and various paid time off benefits, such as vacation, sick time, and parental leave), dependent on the position offered. Details of participation in these benefit plans will be provided if an employee receives an offer of employment. If hired in the U.S., employee will be in an “at-will position” and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors”. Nomura is an Equal Opportunity Employer

Corporate Title: Vice President Department: Risk Management The pay range for this position at commencement of employment is expected to be between $145,000 and $175,00/year* Nomura is a global financial services group with an integrated network spanning over 30 countries and regions. By connecting markets East & West, Nomura services the needs of individuals, institutions, corporates and governments through its three business divisions: Wealth Management, Wholesale (Global Markets and Investment Banking), and Investment Management. Founded in 1925, the firm isbuilt on a tradition of disciplined entrepreneurship, serving clients with creative solutions and considered thought leadership. For further information about Nomura, visit *************** Aon's Benefit Index, Nomura's benefits rank #1 amongst our competitors Department Overview Credit Risk Management (CRM), as the second line of defense, is a key function in protecting and making sure that we take prudent risk for Nomura. The group evaluates transactions and approves, rejects, or modifies them depending on the credit quality of each counterparty and structure. The department also assigns internal credit ratings, and establishes and manages credit risk limits in accordance with the risk tolerance. The Corporate Credit Risk Team is looking for a dynamic individual at the Vice President level to support coverage a range of Nomura's structured credit businesses. Role Description * Analyze credit risk of structured credit transactions within the Asset-Backed Lending, Lender Finance, Trade Finance, and certain other Private Credit products, primarily consisting of receivables / payables / inventory financing. * Scope of work includes, but is not limited to, fundamental financial analysis, evaluation of deal structures, review of legal terms & conditions, and coordinating credit approval processes including senior-level briefings. * The position will involve ownership of analyzing & assigning internal credit ratings, evaluating major risks & risk mitigants of new transactions and preparation of internal memorandums to document decision rationale. * Propose structural changes for new & existing transactions as required to manage higher risk situations or those that are experiencing negative credit trends. * Participate in and lead counterparty due diligence discussions via calls and on-site visits with clients' or borrowers' management teams. * Provide feedback on structuring of key commercial / legal terms in conjunction with other control areas including Legal / Finance. * Own & manage a portfolio of Investment Grade & Sub-Investment Grade credit exposures, including ensuring timely credit reviews, participation in periodic lender calls, and holistic portfolio reviews. * Track developments in regulatory & industry-specific operating environments, and monitor counterparty credit profile or changes in external ratings. Ensure pro-active socialization and / or escalation of such developments as needed. * Participate in various firm-wide projects within Risk and Business colleagues across regions, including regular and ad-hoc portfolio / limit reviews. * Ability to mentor and support development of junior members of the team. Skills, Experience, Qualifications and Knowledge Required * Minimum 7 years of Credit Risk experience within credit risk covering structured credit products. * Strong understanding of asset-based and other bespoke lending structures. * Strong written & verbal communication skills, including experience in discussions with Senior Risk Management personnel and responses to regulatory requests. * Ability to effectively manage due diligence processes and strong analytical skills with respect to borrower financial data and loan portfolio performance metrics * Strong familiarity with corporate financial statement analysis and credit risk metrics. * Understanding credit and trading documentation (e.g. Credit Agreements, ISDAs) and experience negotiating credit terms for legal documentation a plus. * Comfort interacting with the relevant business areas and coordinating between Risk Management areas and Front Office desks. * Advising and / or assisting deal teams in a fast-paced, high-pressure environment with the ability to prioritize and complete tasks according to project needs. * Leveraging effective business writing and verbal skills to drive consensus-building to achieve strong results. * Bachelor's degree in Accounting or Finance preferred. Nomura Competencies Explore Insights & Vision * Identify the underlying causes of problems faced by you or your team and define a clear vision and direction for the future. Making Strategic Decisions * Evaluate all the options for resolving the problems and effectively prioritize actions or recommendations. Inspire Entrepreneurship in People * Inspire team members through effective communication of ideas and motivate them to actively enhance productivity. Elevate Organizational Capability * Engage proactively in professional development and enhance team productivity through the promotion of knowledge sharing. Inclusion * Foster a culture of inclusion and psychological safety in the workplace and cultivate a "Risk Culture" (Challenge, Escalate and Respect). * base pay offered may vary depending on multiple individualized factors, including market location, corporate and functional title and duties, job-related knowledge and advanced degrees, skills, and experience. The total compensation package for this position may also include other elements, including a sign-on bonus, restricted stock units, discretionary awards and eligibility for commissions for applicable sales roles in addition to a full range of medical, financial, and/or other benefits (including 401(k) eligibility and various paid time off benefits, such as vacation, sick time, and parental leave), dependent on the position offered. Details of participation in these benefit plans will be provided if an employee receives an offer of employment. If hired in the U.S., employee will be in an "at-will position" and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors". Nomura is an Equal Opportunity Employer Nearest Major Market: Manhattan Nearest Secondary Market: New York City

Corporate Title: Associate Department: Risk The pay range for this position at commencement of employment is expected to be between $100,000 and $145,000/year* Nomura is a global financial services group with an integrated network spanning approximately 30 countries and regions. By connecting markets East & West, Nomura services the needs of individuals, institutions, corporates and governments through its three business divisions: Wealth Management, Investment Management, and Wholesale (Global Markets and Investment Banking). Founded in 1925, the firm is built on a tradition of disciplined entrepreneurship, serving clients with creative solutions and considered thought leadership. For further information about Nomura, visit *************** Aon's Benefit Index, Nomura's benefits rank #1 amongst our competitors Department Overview Credit Risk Management (CRM), as the second line of defense, is a key function in protecting and making sure that we take prudent risk for Nomura. The group evaluates transactions and approves, rejects, or modifies them depending on the credit quality of each counterparty and structure. The department also assigns internal credit ratings, and establishes and manages credit risk limits in accordance with the risk tolerance. Job Description/Responsibilities * This role will sit in the Americas Financial Institutions and Regulated Funds Credit Team. It will report to the Head of Americas Financial Institutions and Regulated Funds Credit Team. * The Credit Officer would be responsible for the coverage of a portfolio of Financial Institutions and regulated funds counterparties * Primary responsibilities for this role include: * Credit Risk Analysis, both quantitative and qualitative, across Brokers, Regulated Funds, Asset Managers and other Financial Institutions * New client approvals, including setting credit appetite, limits and rating, performing due diligence calls/ visits, drafting/ negotiating credit terms for legal documentation * Implementing and managing credit limits in accordance with risk appetite, including adherence to the Global Credit Limit Management Policy * Analyzing economic, market, regulatory, industry events/developments and assessing their impact on the portfolio. Reporting any relevant events to the Americas Head of Financial Institutions and Reg. Funds and other relevant senior risk management * Managing counterparty risk exposure, including transaction assessment and trade approval with a focus on Cash and Derivative products. This includes liaising with front office personnel, reviewing and approving new transactions and agreeing on trading terms * Ensuring adherence to Credit Risk limits, including Single Name limits, Country limits and counterparty specific limits, escalating breaches to relevant senior risk management when necessary * Proactively identifying and monitoring exposure concentrations, identifying risk mitigating actions and escalating/updating to Risk senior management as appropriate * Identifying, monitoring and escalating trade settlement fails and recommending appropriate risk management actions * Analyzing and interpreting the stress testing results and take actions as appropriate at counterparty, country and/or industry level Other Responsibilities: * Supporting the integration of Nomura's credit risk management framework across all its legal entities * Leading and contributing to global risk change initiatives which includes global coordination across Risk and Business colleagues geared toward internal or external / regulatory driven enhancements * Implementing team level initiatives Skills, Experience, Qualifications and Knowledge Required * 3 to 5 years of Credit Risk experience covering Brokers, Regulated Funds, Asset Managers and other Financial Institutions * Strong understanding of Cash Equity Products * Strong familiarity with financial statement analysis and credit risk metrics * Background in trading products in the Equities and Fixed-Income spaces * Prior experience in dealing with Front Office stakeholders * Comfortable interacting with senior management, communicating within Risk Management as well as the relevant business areas * Ability to be a self-starter, working without supervision and managing multiple stakeholder expectations Nomura Competencies Explore Insights & Vision * Identify the underlying causes of problems faced by you or your team and define a clear vision and direction for the future. Making Strategic Decisions * Evaluate all the options for resolving the problems and effectively prioritize actions or recommendations. Inspire Entrepreneurship in People * Inspire team members through effective communication of ideas and motivate them to actively enhance productivity. Elevate Organizational Capability * Engage proactively in professional development and enhance team productivity through the promotion of knowledge sharing. Inclusion * Foster a culture of inclusion and psychological safety in the workplace and cultivate a "Risk Culture" (Challenge, Escalate and Respect). * base pay offered may vary depending on multiple individualized factors, including market location, corporate and functional title and duties, job-related knowledge and advanced degrees, skills, and experience. The total compensation package for this position may also include other elements, including a sign-on bonus, restricted stock units, discretionary awards and eligibility for commissions for applicable sales roles in addition to a full range of medical, financial, and/or other benefits (including 401(k) eligibility and various paid time off benefits, such as vacation, sick time, and parental leave), dependent on the position offered. Details of participation in these benefit plans will be provided if an employee receives an offer of employment. If hired in the U.S., employee will be in an "at-will position" and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors". Nomura is an Equal Opportunity Employer Nearest Major Market: Manhattan Nearest Secondary Market: New York City

New York (Hybrid) The Credit Risk Management team is responsible for recommending and implementing strategies for: identifying, assessing, measuring, monitoring, reporting, avoiding, transferring, mitigating and monitoring credit risk. Team also maintains the Bank's credit risk management policy and procedure documentation. The Credit Risk Business Analyst is responsible for analytical and support work within the Credit Risk Management and is responsible for maintaining internal database of confidential Safety and Soundness examinations. The Business Analyst will work closely with Primary Regulator offices to request and process most recent examinations as well as assist the team in special projects, data requests and additional management reporting relating to credit exposures and compliance with risk limits. The Credit Risk Management team is responsible for recommending and implementing strategies for: identifying, assessing, measuring, monitoring, reporting, avoiding, transferring, mitigating and monitoring credit risk. Team also maintains the Bank's credit risk management policy and procedure documentation. The Credit Risk Business Analyst is responsible for analytical and support work within the Credit Risk Management and is responsible for maintaining internal database of confidential Safety and Soundness examinations. The Business Analyst will work closely with Primary Regulator offices to request and process most recent examinations as well as assist the team in special projects, data requests and additional management reporting relating to credit exposures and compliance with risk limits. Responsibilities * Ordering and processing reports of examination (ROEs) from various member institutions and their regulatory agencies; including tracking the ROE order status, receipt, and payment. * Reviewing and summarizing various member and counterparty reports that are provided internally and to regulatory agencies. * Performing research including locating, summarizing and internally disseminating member news articles and enforcement actions. * Assisting Credit Risk Management staff with compiling various reports. * Assists the Credit Analysts with various projects that occur on a scheduled basis or as ad hoc requests. * Processing departmental vendor invoices, check requests and member billing. * Administers the Credit Risk Management Department compliance with the Bank's records retention requirements. * Complies with Bank policies and procedures, and applicable laws and regulations. Reports known or suspected violations of law, regulation, policy or procedure to appropriate levels of management. * Participate in maintaining a professional risk control environment that is conducted within risk limits, processes, and standards that are set for regulatory and operational risks of the Bank and as reviewed by the Auditors/Examiners. * Monitors and reports exposures relative to established limits to ensure compliance, notifying senior management of any breaches. * Prepare department materials for Credit and Collateral Risk Committee meetings, Board mailings and Special Data Requests due to the FHFA. Skills & Experience * Relevant work experience of 2 - 5 years. * Exposure to the design, development, and implementation of information technology systems. * Knowledge of the banking and insurance industry, NRSRO rating systems, and financial models. Understanding of domestic accounting rules, banking regulation, and financial markets. * Experience in Credit strongly preferred. * Analytical: Math/statistics strengths are required along with the ability to provide clear explanations to users, management, and other staff. * Financial knowledge: knowledge of financial instruments and financial institutions. * Software: MUST HAVE Very strong Excel skills including knowledge of lookups, pivot tables, data queries, and linked tables. Ability to construct flowcharts, pseudo-code, and/or actual macros of moderate complexity. Ability to build and update complex spreadsheets with a high degree of accuracy Ability to conceptualize processes and relate to others who may write the actual code. * Familiar working with Databases and Database Management Tools, including proficiency running SQL queries. * The candidate will also need to track various issues during the period they are investigating as well as resolve and provide management with regular reports on the status. * Strong interpersonal skills * Bachelor's Degree required. MBA or MS degree in Finance or Economics preferred. Education: MBA/MS/BA/BS in Finance, Economics, Accounting or similar field. Salary range: $100,000 - $115,000 The Federal Home Loan Bank of New York is committed to recruit, hire, develop, motivate, promote, retain, and compensate all applicants and employees in a nondiscriminatory manner without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, status as a parent, disability, genetic information, military or veteran status, or any other characteristic protected by applicable law (including title VII of the Civil Rights Act of 1964).

JobID: 210680097 JobSchedule: Full time JobShift: Base Pay/Salary: New York,NY $100,000.00-$120,000.00 Bring your Expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As an Asset Managers Credit Risk Analyst in the Asset Managers Credit Risk Team, you will monitor a portfolio of North America-based asset management clients and support Credit Officers with lending transactions, client meetings, and portfolio reviews. You will develop expertise in assessing credit risk, reviewing transactions, and maintaining active client relationships. Your work will help us manage risk and support business growth across a diverse range of investment strategies. Job Responsibilities * Monitor all aspects of the credit relationship for assigned clients, including exposure, compliance, key risks, and opportunities * Provide credit expertise in reviewing derivative and loan transactions * Lead or assist in negotiating and finalizing documentation for derivatives and loans * Prepare credit analysis and seek approval for transactions, including loans, derivatives, and operating exposures * Review ratings, tiering, and risk appetite for clients in the asset management sector * Contribute to the analysis of traditional credit products, including customer due diligence, financial analysis, and credit approval memos * Collaborate with partners on loan transactions and portfolio reviews * Assist in evaluating and managing counterparty credit risks in trading with asset managers * Assess fund clients' risk management processes, trading strategies, and infrastructure * Monitor exposure using proprietary systems and escalate key risk issues as needed * Engage with business partners to determine trading requirements and exposure limits Required qualifications, capabilities, and skills * Bachelor's degree in Business, Finance, Economics, or Accounting * General understanding of accounting and corporate finance * Strong problem-solving and critical thinking skills * Interest in client interaction and strong verbal and written communication skills * Ability to work well under pressure and in team environments * Proficiency in Microsoft Excel, Word, and PowerPoint Preferred qualifications, capabilities, and skills * Knowledge of the asset manager and hedge fund industry * Financial modeling experience

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.

Job DescriptionThis 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.

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.

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

Introduction Established in 1912, Bank of China is one of the largest banks in the world, with over $3 trillion in assets and a footprint that spans more than 60 countries and regions. Our long-term outlook, institutional weight and global breadth provide our clients with a stable and reliable financial partner, whether in Corporate or Personal Banking or our Trade Services, Commodities, Financial Institutions and Global Markets lines of business. Overview The intern will support on data review and analysis, and post-lending management of the CRM commercial real estate (CRE) portfolio. Responsibilities Provide support on reviewing, and analyzing data on the CRE portfolio. The data will be used for preparing portfolio slides, ad-hoc portfolio analysis for management, and analyzing appraisal activity. Work on annual/quarterly reviews of loan transaction, Chinese credit packages, and select live credit transactions. Qualifications Bachelor's degree. Ability to analyze data in English and Chinese. (It is noted that the priority will be to analyze and segment loan exposure as well as review appraisal transaction history.) Ability to conduct financial analysis in English and Chinese. Proficiency in Excel, PowerPoint to assist with loan portfolio slides. Analyze loan transaction information in excel format. Fast and willing learner. Pay Range Actual salary is commensurate with candidate's relevant years of experience, skillset, education and other qualifications. USD $18.00 - USD $18.00 /Hr.

High performers deserve a high-performance culture and a state-of-the-art headquarters. First American is proud to offer its colleagues outstanding compensation & benefits, including 401(k) match, a free on-site gym, paid parental leave, and subsidized childcare, and a flexible hybrid schedule, among many others. Looking for a fast-paced, energetic and professional atmosphere that revolves around a team approach? First American is looking for exceptional, career-oriented students who have an interest in gaining analytical experience in the field of commercial finance. The right candidate for the Credit Internship will have a strong work ethic, be exceptionally detailed, and will demonstrate a commitment to learning. Specific areas of responsibility will include credit support, including preparing client files for analysis and project support as needed. First American will provide training. Requirements Current pursuit of a degree; Completion of college level Accounting and Finance coursework Up to 40 hours per week in office Summer 2026 Strong organizational and time-management skills High level of attention to detail Excellent verbal and written communication skills Ambition and strong work ethic Interest in financial analysis and underwriting Proficiency in MS Office applications (Excel, and Word) Compensation $18/hour We are hiring a limited number of professionals with a can-do attitude, who enjoy camaraderie, believe in excellence, and have an action orientation. If you value being part of a highly empowered team and enjoy an environment that rewards innovation, hard work, and excellence-we would love to talk to you.