Commercial credit analyst jobs near me

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

204 - Credit Quality Central - Credit Analyst II Regional Credit Officer (East or West) Supervises: None Basic Qualifications Education/Training: A Bachelor of Science or Bachelor of Arts degree in Accounting, Finance or related field of study is preferred. In lieu of a bachelor's degree consideration will be given to individuals with a High School Diploma and a minimum of two to three years of directly related banking experience is required along with specialized financial analysis training. Obtain and maintain appropriate Bank Product Knowledge Certification. Skill(s): Advanced reading, writing, grammar, and mathematics skills; proficient interpersonal relations and effective communicative skills; above average knowledge of current lending, appraisal, and loan review regulations and banking regulations, procedures, and operations; advanced ability to analyze and interpret financial statements; advanced risk rating skills; loan structuring, covenanting and conditioning skills; knowledge of concentration risk and pricing philosophy; strong PC skills, including spreadsheet software and loan management software; advanced time management skills; technical skills sufficient to assist in training of Credit Analyst I(s); visual and auditory skills; valid driver's license. Experience: A minimum of two (2) to three (3) years of directly related banking experience required. General Responsibilities The Credit Analyst II is responsible for ensuring an effective and efficient commercial credit underwriting function by preparing financial statement spreads; providing detailed analysis & risk rating recommendations for both proposed commercial loan requests and the Bank's top aggregate commercial relationships; analyzing collateral valuations; and assessing compliance to loan policy; and providing alternative solutions through structure, conditions and covenants to mitigate risk. Essential Duties * Spreads financial statements and tax returns for commercial clients. * Provides consistent, quality narrative financial analysis including but not limited to discussion of financial condition, cash flow & balance sheet trends, ratio analysis, loan pricing review, peer & industry comparisons, and collateral assessment. * Works in conjunction with commercial lending staff to prepare loan submission packages for new money requests, modifications, and collateral substitutions/releases to facilitate sound credit decisions. * Underwrites retail branch commercial proposals while addressing repayment capacity, secondary repayment sources, credit report factors, risk assessment, covenants, conditions and collateral analysis within loan presentation. * Provides guidance and prompt follow-up to retail branch staff to facilitate timely loan decisions. * Assesses loan proposals for Bank and Regulatory policy compliance. Assures all exceptions are appropriately identified and addressed within loan presentations. * Provides alternative recommendations to loan structure, covenants and conditions to mitigate credit risk. * Approves loans and ACHs within designated lending authority. * Recommends appropriate risk ratings for new requests, ACHs, and existing loan relationship to support the ongoing risk management of the Bank. * Completes annual relationship reviews for the Bank's top aggregate commercial loan relationships, large revolving commitments and ACHs. Analyzes financial trends, payment history, compliance to loan covenants, and market / economic conditions to assess ongoing credit risk and evaluates / provides recommendations for risk ratings and renewal of open commitments and ACHs. * Provides financial updates to Criticized Asset Reports. Reviews lending staff updates within reports to recommend any needed risk rating adjustments. * Orders appraisals, completes appraisal reviews within designated authority, and conducts collateral evaluations to assure loan to value meets both policy and regulatory requirements. * Clear real estate secured loans to close by reviewing environmental reports, property condition reports, flood certifications and appraisal values to assure compliance with loan approvals and policies. * Provides back-up for the set-up of commercial loan requests presented by retail branch staff into commercial underwriting software system. * Provides technical support and assists in training of Credit Analyst I and Administrative Analyst. * Participates in the administration of the Bank's commercial underwriting software and provides recommends for process improvements, as designated by Credit Quality management team. * Works on special projects as assigned by Credit Quality Management team. * Maintains a good working relationship with bank employees within Credit Quality and other departments. Demonstrates strong interpersonal skills with the ability to work independently, as well as motivated to work as a team player to contribute to the success of the department and in turn, the organization. * Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the work place. * Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.; ensures that the department and all personnel adhere to the same. * Performs other related duties as assigned. Ancillary Duties * Actively represents the Bank in public relations and related community activities. * Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances. Job Location Operations Center and various outside locations Equipment/Machines * Telephone * Automobile * PC/Computer keyboard * Printer * Fax machine * Copy machine * Calculator Full Time Employment Benefits: Fulltime hourly-paid employees will be provided 12-days of Paid Time Off (PTO), that is accrued 1-day for each month worked. After the completion of 90-days of employment accrued PTO can be used for any purpose including being paid for absences or vacation time. At the end of the first year of employment, any unused PTO will be converted to the employee's sick time accrual. Sick time will begin accruing effective on the employees first year anniversary up to 120 days. At that point, PTO is no longer available; and any paid absence will be eligible under the sick, vacation, personal and family sick pay policy. After one year of service the employee is eligible for their annual vacation benefit. Salaried-paid employees are not eligible for PTO and accrue paid sick days at 1-day per month; and any vacation time that has been approved for the 1st year of employment. 12 paid holidays, 2 Personal days, 2 Family Sick days, 2 Volunteer Days after completion of 90 days of employment. Eligible for Health Care, Dental and Vision (single and family) the first of the month following 30 days of full-time employment. 401(k) eligible on the first day of the month following 30 days of employment with employer match available. Company Wellness Program. Company Stock program available after 1 year of employment. Annual Performance Reviews completed, and salary increase amount given based on individual performance. This position is salary and not eligible for overtime. Salary Range Minimum: $46,000 Maximum: $101,200

Role: Senior Credit Analyst Engagement: Full Time Salary: $100,000 - $180,000 Base Pay + Startup Equity + World Class Benefits References: We value strong references - 3 work references to corroborate your experience and skills. We will also backchannel references. About Us: Manufactured is a venture backed inventory platform. We are building the first inventory exchange for SMBs creating, making, and selling physical products around the world. We serve customers doing $1M - $100M in annual revenues in Fashion, Accessories, Healthcare, Construction Materials, CPG, Food, Electronics, Home Goods, Industrials, and Commodities. With over 2000+ vendors across 25 countries (and growing), we make the inventory cycle a breeze by handling everything from vendor discovery and negotiation to shipping, warehouse coordination, quality control, PO advances, through to collections. With over $150 million in volume powered by Manufactured since we launched in 2019, we deliver a compelling inventory partnership for fast growing SMBs. We are a post-Product Market Fit, Series A startup that is growing 850% Year on Year. There is tremendous opportunity in our ~27 person team to take ownership, make an impact, and build an extremely rewarding, accomplished career. We don't care about: Where you went to college What you studied If you've worked at blue chip companies We do care about: What you've done What you can do How you'll do it This looks like: Making success a priority: We value ownership, initiative, and tenacity Having a point of view: We hire smart people and want to hear opinions. We're low ego, and we welcome feedback and new ideas informed by data and intuition Being a good person and teammate: We all contribute to a positive, inclusive workplace. Direct communication, kindness, and integrity are non-negotiables You'll be trusted and challenged to do your best work in a fast moving, high performing environment. If this sounds like you, please read on! Manufactured is looking for a self-motivated Senior Credit Analyst who ideally has the following profile: Past experience in Asset based lending, preferably in a startup environment. Past experience with Inventory, Supply Chain, e-Commerce, wholesale, factoring, and retail. Expert knowledge of Financial Analysis, FP&A breakdown, and Data Organization Proven Ability to understand and break down potential Borrowing Capacity at a Financial level using available financial data Ability to apply Financial Analysis and Calculations to Digital Data tables Self-motivated, high integrity, strong collaborator Lifelong learner, Excited by Steep learning curves, new industries, new approaches Product driven mindset Strong problem-solving, mathematical and analytical skills Broad range and curiosity of various markets including manufacturing, sourcing and supply chain Excellent Research skills Excellent written and verbal communication skills - must be able to handle Customer diligence calls. Ability to maintain confidentiality Proficiency with computers and computer software, particularly Excel/Google Sheets High Level Expectations: Ability to work in early stage startup environment Strong Understanding of Credit Risk/ SMB business models and common obstacles Ability to work cross functionally with CEO, COO, Finance, Operations, Product and Engineering internally and with external embedded software vendors and clients Enter, update and retrieve information for financial records Determine the creditworthiness of business applicants & end obligors Designate the degree of risk involved in extending credit by performing a cash flow analysis of each business. Ensure that all approved applications comply with MFD lending criteria Ongoing, self-directed monitoring of industry trends and developments Relationship driven. Collaborative mindset and team spirit. Understand customer needs. Result oriented, over-communicative. Day to Day Responsibilities: Own end-to-end underwriting for SMB credit deals - from gathering docs and analyzing financials to running KYB/KYC checks (UCC, LexisNexis, Allianz) and assessing overall risk. Write clear, actionable credit memos with funding recommendations and present them to our internal credit committee and capital partners. Manage a growing portfolio of SMB loans, track performance, spot red flags early, and keep things on track post-close. Work directly with clients - sending LOIs, explaining terms, and helping them understand the value we bring. Package and share diligence materials with funding partners, walking them through the deal thesis, red/green flags, and overall fit. Partner closely with engineering to improve internal tools, automate manual workflows, and tighten up the credit process. Support capital raise and investor diligence efforts - fast turnarounds, clear data, and no bottlenecks. Maintain and regularly update internal models - requires expert-level Excel/Google Sheets and comfort working with complex, dynamic sheets. Build new models as we launch new products and revenue streams; support 13-week cash flow forecasting and scenario planning. Be a subject matter expert on every approved company - know their financial standing, deal terms, collateral position, and any emerging risks or delays. Must Have Experience / Skills: 3+ years experience at Credit / Asset based Lending to USA / Canada based businesses. Startup / Fintech Experience preferred Demonstrated experience working in a cross functional team. Past experience of operating systems, frameworks and implementing credit policy. Must demonstrate ability to work cross functionally within a specific industry of Inventory / Supply Chain financing. Demonstrated ability to rapidly learn a new skill / business / industry and execute complex projects with a sharp attention to detail. Proficient with Excel, Google Sheets, Adobe Suite, Google Drive, Gmail and Slack. Strong understanding of automation, AI tools and able to leverage software and AI to drive tasks. Detail oriented and highly organized. Nice to Have Experience / Skills: Startup Culture / Experience working in small, agile, fast moving teams. Prior Fintech experience. Past experience working in a fully remote team across time zones. Working at Manufactured: We're a remote first company, based in Los Angeles. Our team is around thirty people strong, and growing quickly. Manufactured is a small, fast growing startup. Which means we deal with ambiguity and require a sense of ownership from all our team members. This is reflected in our core values. Our core values are: Urgency: Always act like an owner, seek help in case of delays beyond 48 hours, move quickly when you have enough information (usually 70-75%), know when to dive in if there's a crisis, and hold true to the best possible timelines without compromising on quality, value or process. Authenticity: Be Authentic, be real, be respectful both, in front of and behind a person's back. If you are frustrated, you're frustrated. If you're stuck, you're stuck. If you're worried, you're worried. Let's support each other in resolving these issues. Be upfront and respectful in your conversation. We are a multi cultural, distributed, global team. Respectful authenticity in communication is critical. Contextual Ownership: Our business is as much about people and relationships as it is about technology and process. We take time to build relationships and understand the needs of our internal and external partners. Context and empathy helps us understand the “why”. We set goals and drive outcomes based on context and realities, rather than tasks and processes alone. Effectiveness: Did it work? Did it solve the problem? Was it a short term hack? or a long term process solution that benefits everyone? Was it something we can use to grow / move forward or was it a defensive solution. Did we meet our stakeholders' expectations, did we exceed them? Did our stakeholders all win? Are you using your time correctly? Are you helping your team members use their time well? Are you contributing to the growth of the company? Critical path thinking: "What is the shortest risk-mitigated route to the Best Potential Outcome?" Our CEO and Founder, Pranay Srinivasan, writes often on LinkedIn about our culture and operating principles. We recommend these articles in particular: Our Core Values Our operating framework: OBAS MFD Legal CCPA Notice to Job Applicants In compliance with the California Privacy Protection Act (“CCPA”), MFD collects the following categories of your personal information for the following uses: Categories of Personal Information collected: If you are a “Job applicant:” Name, Email, and other contact information such as phone, physical address, professional certifications, and prior employment. Purpose of Collecting the Personal Information: If you are a “Job applicant:” We collect your personal information in order to consider your application to be hired by us.

Credit Analyst I/II CRE Underwriting Team VA Office The primary role of the Credit Analyst position is to support business development officers in the underwriting process for current and prospective Commercial Real Estate, HOA, and Co-op lending transactions. 1. The candidate will be responsible for analysis and underwriting of current and prospective Commercial Real Estate, HOA, and Co-op lending transactions. This position works closely with loan origination and external deal partners for the purposes of prospecting new transactions and analyzing the credit quality of prospective and current business. Analysis includes preparing and reviewing a spreadsheet of historical financial data, evaluating impact of new debt on current cash flow, sensitizing projections for worst case scenarios, and identifying policy exceptions. In addition to financial review, a collateral and industry assessment is included in a written presentation, which also summarizes strengths and weaknesses of credit and a recommendation to decline or approve the request. 80% 2. Provide portfolio and industry analysis as necessary for portfolio and prospective new business. Stay abreast of market conditions and other changes that impact the conduit line of business using the Internet and other research tools. Perform periodical reviews of existing loan relationships of the Bank. Assist with routine maintenance of credit files and Bank systems including financial tracking system. 10% 3. Special Projects/Other: Assist in completing annual reviews of the commercial portfolio. Perform other duties as assigned 10% Minimum Qualifications Include: A. BA/BS in finance, real estate finance, or related field with 0-2 (level I) or 2-5 (level II) years of commercial credit or analysis experience. B. Desire to learn commercial real estate and finance. C. Proficiency in business writing skills and strong communication skills. D. Attention to detail and analytically minded. E. Proficient computer skills (Excel skills are a must) AA/EOE

Bring your expertise to JP Morgan 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 a Lead Credit Officer - Vice President in Middle Market Banking and Specialized Industry Credit Risk team, you will partner with a cross functional team delivering credit solutions that support a range of needs from working capital and general corporate purposes to acquisition finance and dividend recapitalizations. Additionally, you will work with family-owned businesses, financial sponsors and some publicly traded companies. You will be responsible for analyzing and structuring new financing solutions as well as ongoing portfolio management in support of a range of needs from working capital and general corporate purposes to acquisition finance and dividend recapitalizations with execution on both a bilateral basis and in the syndicated finance market with a heavy emphasis on the latter. Additionally this Vice President position involves extensive interaction with clients, internal partners, legal counsel, and other lenders, etc. Additionally this role supports Middle Market Banking and Specialized Industries for the Mid-Atlantic region which covers companies generally between $20 million and $2 billion in revenues across a wide variety of industries including federal government contractors. Job Responsibilities Utilize excellent credit analysis and financial modeling skills to analyze and structure new transactions and work independently on the assigned credit portfolio. Appropriately assess risks / mitigants, balance risk / reward, diligently manage renewals, amendments and new transactions as well as maintain acceptable credit reporting metrics. Form well thought out, independent views and be able to voice your opinion in a clear, concise manner and to defend that position with partners and senior leadership. Lead complex transactions including negotiations and legal documentation for bilateral and syndicated finance structures. Work proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving. Act with a sense of urgency and drive execution to meet both internal and client deadlines. Partner effectively to develop fulsome client relationships, including being looked to as an expert on Structuring and Credit Policy and will be viewed as the “go-to” person for credit by both internal partners and clients. Provide leadership in the market by being a positive contributor to the team, including being a mentor to less experienced team members, embracing change and participating in various projects or improvement exercises for the benefit of the organization. Demonstrate excellent communication skills both internally and externally and use those communication skills to effectively solve problems. Required qualifications, capabilities and skills BA/BS/BBA degree is required. Completion of a major corporate or commercial bank credit training program (or the equivalent corporate banking/corporate finance experience) and a thorough understanding of bank credit policies and procedures. At least 10 years' experience in commercial banking/lending including extensive credit analysis, structuring and loan documentation experience Significant accounting and finance knowledge and superior financial modeling skills. Strong working knowledge of credit agreements and other loan documentation along with solid negotiation skills. Demonstrated excellent verbal and written skills, interpersonal skills, and analytical and problem-solving skills. Excellent organizational and project management skills; able to manage competing priorities under tight deadlines. Proven ability to collaborate and build strong partnerships. Intellectual curiosity with a proven ability to learn quickly. High degree of initiative, self-direction, and ability to work well under pressure. Preferred qualifications, capabilities and skills Experience with aerospace, defense and government services (ADG) companies. Experience with lending to sponsor-backed companies.

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You'll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program. About Valere Commercial: Part of the CrossCountry family of companies, Valere Commercial is a private real estate lender built for the modern investor. We offer flexible, fast, and scalable lending solutions backed by strong capital and a commitment to long-term client success. Our platform is designed to support real estate entrepreneurs - not just for one deal, but across their entire investment journey. You'll be part of a company that's agile, well-capitalized, and built to scale. We move fast, think big, and empower our team to do the same. Valere Commercial's core focus is on business purpose loans, including but not limited to the following products: investor bridge, fix-and-flip, ground-up construction (1-4 family and multi-family), multi-family term, cross-collateralized, and builder finance. Position Overview: The BPL Underwriter is an experienced mortgage professional specializing in complex transactions including fix and flip, multifamily, senior bridge, and construction loans. This role demonstrates skill in structuring deals, analyzing financial and property valuations, and ensuring compliance with company policies and regulatory standards. The BPL Underwriter collaborates cross-functionally with production, closing, and legal teams to deliver tailored lending solutions and drive successful loan execution. Job Responsibilities: Lead the underwriting process while managing deal timelines, developing credit recommendations, and ensuring compliance with company policies. Work directly with production teams to develop loan structures that will meet clients' financial objectives; develop and maintain strong relationships with production and closing departments. Prepare underwriting narratives and independent cash flow estimates, focusing on large, complex transactions, including multifamily, senior bridge and construction loan deals. Evaluate the market competitiveness of the proposed collateral and determine the economic feasibility of transactions; conduct detailed economic and market research. Model and review cash flows, financial statements, and analyze property valuations. Review third party reports from vendors such as appraisers, surveyors, and engineers to ensure compliance with all requirements. Collaborate with loan officers, loan closers, and legal counsel to move loan requests through the approval and closing process. Conduct and participate in customer meetings and conference calls. Present recommendations to the appropriate levels, including all key documentation. (term sheets, applications, commitments, credit memos, etc.) Crosstrain across Valere's various products and exit strategies to cultivate ability to underwrite a variety of deal types. Qualifications and Skills: Bachelor's Degree in Statistics, Business, Finance, Accounting or Economics, preferred. 5+ years of experience underwriting Single, Multifamily and Commercial Real Estate Loans; experience with building or utilizing cash flow model technologies, preferred. Completion of a formal commercial loan underwriting training program (Ex. Omega), preferred. Experienced in high-volume environments, efficiently managing assignments to consistently meet deadlines. Skilled in prioritizing tasks and avoiding distractions to meet deadlines without direct supervision in a remote work environment. Experience with Moody's Credit Lens, preferred. Advanced knowledge of commercial real estate underwriting, including the development of cash flow forecasts and pricing metrics. Excellent oral and written communication skills. Proficient in Microsoft Office Suite. Ability to travel as needed to execute the expectations of the role. This is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position. Pay Range: Hourly Rate: $48.08-$57.69 Bonus: Eligible for discretionary bonus incentive. The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: ********************************** California residents: Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants. CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual's association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit ***************************

WHO WE ARE City First Bank N.A. is a mission-driven Community Development Financial Institution (CDFI) principally focused on a transformative impact in underserved, urban markets with the highest needs to drive equitable economic development. Our credit activities are purely commercial and focused on the following segments: Multifamily Affordable Housing, Not-for-Profit Finance, and Small Business Finance. As a depository and commercial lending provider with over $1.3 billion in bank assets as of December 31, 2024, our unified organization has over 100 employees in Washington DC and Los Angeles/Inglewood, CA. ROLE SUMMARY The role will directly report to and support the Chief Credit Officer (CCO) in management of the Bank's loan portfolio. This role will also assume responsibility for the more complex lending relationships in the portfolio, including underwriting, and serves as a senior subject matter expert internally and externally. The Senior Credit Officer would handle all aspects of the relationships in the portfolio including pre-vetting, maintaining the credit pipeline, loan approvals, month-end reporting, annual reviews, monitoring and watch reporting. The position will not have business development responsibilities; however, the individual must be able to recognize such opportunities and refer these to the appropriate area of the bank. In addition to driving production and portfolio monitoring, the position will lead the measurement and tracking of portfolio metrics for the CCO. The individual will need to have a broad working knowledge of a credit portfolio including loan loss reserves, risk rating assignments, general loan accounting, and risk management. Attention to detail and ability to research and resolve issues as they arise is critical to the position as the individual will also work closely with the CCO and play a primary role in the bank's Credit Risk Management process. The position requires a demonstrated ability to work across multiple areas of the financial institution while providing competent, courteous, and professional customer service to external and internal customers. The successful individual in this position is one that thrives on high quality service, strong initiative using their accumulated knowledge and experience, problem solving, and an eagerness to adapt and develop new banking skills. ESSENTIAL FUNCTIONS AND RESPONSIBILITIES Leadership and Supervision - 30% * Creates an atmosphere within the organization that attains and maintains a high level of morale and embraces our Vision, Values, Mission, and Team Expectations while providing "best in class" customer service to internal and external clients. * Contributes to the development and implementation of annual department goals and individual goals. Credit Oversight - 30% * Partner with relationship managers/lenders to establish and maintain prudent risk appetite and facilitate growth within these parameters through deal vetting and prescreening. * Review, approve, decline, or recommend to appropriate higher authority, credit opportunities for new originations, renewals or modifications of existing loans. * Drive the pipeline with a focus on loan approvals, underwriting completion and moving deals through the closing process. * Ensure all credit delivery activities have been completed in a timely, efficient and prudent manner while facilitating an environment for the efficient delivery to customers of products and services that require credit exposure. * Provide leadership role modeling and disseminate the bank's credit culture and risk appetite. Credit Risk/Portfolio Management - 20% * Provide experienced oversight of portfolio to ensure that satisfactory loan quality is maintained as well as early identification of potential problem credits, communicating with CCO, working with Special Assets Officer as necessary to restructure the credit to minimize losses. * Portfolio Management duties will include monitoring a specialized portfolio of commercial loans risk rated of all ratings, perform analysis to determine the financial viability of the customer, develop and implement a strategy and plan for the collection of the loans. * Assists with the identification of potential problem loans, recommends risk rating changes, and assumes responsibility for loans newly identified as criticized and classified problems loans with the goal to upgrade the risk rating of the loan to performing. * SCO must possess the ability to recognize revenue opportunities in the portfolio and to follow through on routine requests for credit or other bank services. There are no incremental sales targets; however, must ensure retention of existing clients and that credit needs are met to the extent the bank is comfortable. Credit Support and Underwriting - 20% * Credit Support and Underwriting duties will include analyzing and spreading the customer's financial information, assessing the collateral, performing a delinquency review, performing industry comparisons, assessing the risk rating, and preparing the business, personal and global debt service coverage ability. In addition, written presentations will be prepared that detail the findings of the analysis. * Assists the CCO with monthly management and Board reporting activities including research of items that present anomalies to the portfolio. Ability to manage time accordingly to produce necessary and accurate reporting is a priority. * Work with the CCO on the ongoing CECL implementation process and to assist in the management of the ALLL during the transition and required parallel tracking period. Individual will be responsible for the data integrity management portion of the CECL adoption and implementation. Requirements EDUCATION & EXPERIENCE Required Education/Experience: * Bachelor's Degree in Business Administration, Finance, Accounting, or related field required; 10 additional years of commercial credit underwriting and analysis experience may be substituted for bachelor's degree. * 10+ years of commercial credit, financial statement analysis, portfolio management and customer service experience required * Responsibility in a leadership role in a prior financial institution * Significant experience in a Commercial Lending position operating in a $1B+ complex bank environment. * Experience lending in syndicated structures, managing credits with complex capital structures, and partnering with multiple commercial banking product areas to responsibly allocate capital across a credit relationship. * Strong administrative, communication/interpersonal and negotiation skills. * Demonstrated ability to exercise sound judgment and act independently in a dynamic environment. * Demonstrated ability to balance risk and return, promoting responsible expansion of credit relationships while leading stewardship of the Bank's balance sheet. * Experience structuring and pricing loan transactions to achieve organizational goals preferred. * Leading a team of Commercial Underwriters or Analysts in the banking industry CERTIFICATIONS * Completion of formal or in-house credit training required KNOWLEDGE, SKILLS, AND ABILITIES Required Knowledge & Skills: * Knowledge of Microsoft Office suite and other (credit analysis) systems and a hands-on working knowledge of a bank core system, e.g. FIS, FiServ, etc. Strong ability to manage multiple projects simultaneously. * Strong supervisory experience. * Uncompromised attention to detail and demonstrated eagerness to problem solve through research and application of experience/knowledge. * Experience with commercial, construction, and real estate loan underwriting, and broad understanding of the bank's balance sheet, e.g. ALLL. * Solid knowledge of and skills in personal computer operation, word processing and spreadsheet software. * Knowledge of related state and federal lending and compliance regulations and other bank lending policies. * Organized, detail oriented, ability to articulate matters over the phone or in person, capable of working independently, can plan, set priorities, meet deadlines and work with little supervision while performing most duties * Strong ability to interact pro-actively with all levels of the organization.

Benefits/Perks Competitive Compensation Great Work Environment Career Advancement Opportunities Job SummaryWe are seeking a Credit Analyst to join our team! As a Credit Analyst on our team, your responsibilities will include overseeing a client's portfolio to determine creditworthiness, reviewing client financial statements, investigating into public and private holdings of clients, and completing risk models to determine the best course of action. You may also review accounts with other analysts, work with financial services and institutions to maintain best practices, and continually maintain the highest level of confidentiality and authority. The ideal candidate is well-organized, experienced in the financial sector, and has excellent interpersonal and customer service skills. Responsibilities Oversee multiple client portfolios to determine creditworthiness and risks associated with them Meet with clients to build and strengthen relationships Work closely with other financial institutions to maintain best business practices Assist other analysts as needed to determine the best course of action in any given situation Qualifications Previous experience in a financial institution desired Strong organizational skills and excellent attention to detail Experience with Microsoft Office and other computer programs Understanding of financial statements and analytics ** This is not an offer of employment. It is a potential business-to-business relationship with a Financial Services Company.** This is a remote position. Company Slogan "Where Precision Meets Excellence" TDBI Corporation is a leading provider of barber education and services, with a focus on innovative concepts such as XTDB73 Barbershop , Trust Da Barbershops , and The Bearded Lady Grooming Products . With over 10+ locations nationwide, the company offers a wide range of haircare services and products to meet the diverse needs of its customers.

Job Description Post all payments to the practice management system. Process End of Day. Perform duties, processes and functions assigned by management. . Work is conducted remotely, outside of a traditional office environment. Must be able to perform work at a dedicated work space with limited interruption or distraction, and high speed internet capability with 25 Mbps download speed/10 Mbps upload speed. ESSENTIAL FUNCTIONS · Review credit balance reports for potential refunds to insurance companies and/or patients. · Transfer patient overpayment to existing patient balance if appropriate. · Research insurance company requests for refunds and either dispute or submit as appropriate. Process refund requests for charges with missing documentation. · Monitor and work unresolved accounts and submit all refund requests for approval. · Work patient credit balances and manage insurance refund report and overpaid claims work list in Athena in a timely manner. · Report to the office location, as needed. · Perform other responsibilities associated with this position as deemed appropriate to ensure the success of the Business Office. GENERAL COMPENTENCIES DESIRED · Self-motivated, with the ability to work independently, with minimal supervision. · Knowledge of insurance terminology, CCI/bundling issues, CPT, ICD-10, HCPC and contractual agreements. · Familiarity with Medicare, Medicaid, HMO and commercial guidelines. · Ability to maintain confidentiality of patient and personnel information. · Detail-oriented paying close attention to accuracy. · Strong interpersonal skills. · Ability to be comfortable in learning and using digital tools. · Strong PC skills required to include all Microsoft applications, practice management systems and electronic health records. · Good problem solving skills required in order to maximize effectiveness and efficiency of job duties. PHYSICAL DEMANDS Requires sitting for long periods of time. Requires eye-hand coordination and manual dexterity sufficient to operate a keyboard, photocopier, scanner, telephone, calculator and other office equipment. Requires normal range of hearing and eye sight to record, prepare and communicate appropriate reports. Requires the ability to work under stressful conditions and/or irregular hours to meet deadlines. CREDENTIALS DESIRED Must have a high school diploma or equivalent education and at least one year of prior work experience in a medical business office. HOURS: Monday-Friday Orthopaedic Solutions Management is a Drug Free Workplace We are committed to maintaining a safe, healthy, and productive work environment. As part of this commitment, we operate as a drug-free workplace. All candidates will be required to undergo pre-employment drug screening and/or be subject to random drug testing in accordance with applicable laws and company policy.

Independently develops concise and accurate credit analyses of prospects and current customers in a deadline focused environment with minimal guidance. Uses expertise to evaluate both private and public entities some of which include review of complex transactions. Analyses are well written and reflect a comprehensive understanding of the credit risk and its relationship to the recommended collateral products and unsecured exposure. Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs. Facilitate the approval of exception when needed. Communicates financial results, trends and business implications to management, stakeholders and other groups at the appropriate level of detail. Proactively leads complex efforts to continuously improve processes to ensure work is performed as efficiently and effective as possible. Uses business acumen and strong analytical expertise to perform complex ad hoc analysis. Demonstrates strong verbal and written communication skills. Leads development and facilitation of training. Travels to and supports underwriting at broker and client meetings as required. Responsibilities Accurately analyzes financial statements and related filings for a diverse and complex group of different size policyholders and prospective customers. Conducts analysis that includes assigned credit rating, key strengths, weaknesses, industry outlook and recommended collateral options. Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs. Facilitate the approval of exception when needed. Understands and interprets financial statements of varying quality including internally company prepared statements up to those prepared in accordance with GAAP or IFRS. Understands various organizational structures, investment and debt has on the creditworthiness of subject companies. Regularly accesses and appropriately utilizes a variety of informational resources including First Research, Rating Agencies and other related sources to identify and understand trends and gauge subject company performance relative to peers and industry. Thorough understanding of insurance products, collateral types and associated credit risk. Drives the production of complex management reports and associated results analysis, using business acumen and analytical ability to lead the team in identifying business drivers of results and communicating them effectively. Continually assesses the business value and efficiency of the work performed, identifies problems and opportunities, drives implementation and monitors results. Initiates and leads complex department projects and continuous improvement activities that may include working cross functionally with other departments. Supports development of team members by sharing best practices, conducting peer reviews that identify strengths and opportunities, and training of less experienced analysts. If the selected candidate lives within 50 miles of a GRS hub office, then the selected candidate must come into the office two days/week. Qualifications Bachelor`s degree (Finance or Accounting) required CPA or advanced degree in Accounting, Finance, or Business preferred Minimum of 5 years of finance experience. Experience with credit analysis and/or financial statement analysis is preferred. Must demonstrate attention to detail in a fast-paced work environment and the ability to manage and prioritize multiple accounts and projects simultaneously to drive results Communicates well with own team and across organizational boundaries to ensure the successful completion of shared goals Comfortable leading meetings and able to communicate issues and trends to senior management and other groups at the appropriate level of detail Solid understanding of Finance Tools and Analytical Methods About Us Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: *********************** Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law. Fair Chance Notices California Los Angeles Incorporated Los Angeles Unincorporated Philadelphia San Francisco We can recommend jobs specifically for you! Click here to get started.

Are you looking for a new opportunity with the ability to work in a collaborative team environment, that provides a great work/life balance, and the chance to make a difference? Overview: Horizon Farm Credit is recruiting for a Credit Resolution Officer to join our team. We have one position available, and the qualified candidate will work in either the Mechanicsburg, PA, Westminster, MD, Denton, MD, or Winchester, VA branch location. The hours of operations are typically, Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for a hybrid work schedule after 6 months of successful employment. This is a great opportunity to make a difference in agriculture and rural communities. Position Description: In this position, you will work directly with Ag Relationship Managers, Customers, Credit Analysts, Regional Credit Officers, Special Assets, and Regional Management to return a loan to a viable financial position through restructuring, borrower counseling, creative credit packages and/or resolution of distressed accounts if needed. You will assist with the prevention of loans entering special classification and the reduction of non-earning assets through restructuring, borrower counseling, and resolution of distressed and delinquent accounts. Areas of Responsibility: * Will act as a key influencer with Customers and Ag Relationship Managers and work with Credit Analysts and Management in assigned regions to address customer situations in or approaching the need to refer to the Special Assets team. * Establishing and maintaining sound credit and loan administration/pricing, along with credit quality goals. * Establishing appropriate loan terms and conditions to manage the loan risks for a variety of loans. * Serve as a specialized resource focused on the retention and improvement of distressed and/or assigned accounts not assigned to the Special Assets team. * Monitors assigned accounts. * Partners with the Special Assets Team Lead and aligns with key credit strategies with Regional Sales Team. * Analyzes credit/operation of assigned customers. * Provide Ag Relationship Managers support through coaching, coordinating, and delivering both individual and group training as needed and as directed by Leadership. * Provide key insights, counsel, and direction on assigned to relevant accounts, and supporting communications as needed, to best position the Ag Relationship Managers as the primary contact with the customer. REQUIREMENTS * Bachelor's degree in Business Administration, Agriculture Economics, Finance, or related field. * Generally, at least 8 years of lending/credit analysis experience. * Ability to perform a greater level of activities, and independently handle complex credits. * Proficient in accessing loan applications and making informed credit decisions. * Highly skilled in selling, negotiating, and identifying customer needs. * Excellent negotiation skills and the ability to probe for customer needs. * Ability to analyze and develop solutions to complex problems. * Excellent interpersonal, communication, and organizational skills. * Excellent skills in judgment, decisiveness, and analysis and ability to appropriately respond and react quickly as situations dictate. * Adaptable and flexible to a changing work environment. * Prolonged periods sitting at a desk and working on a computer. * Regular, predictable, and reliable attendance is required. * Complies with the Association's Standards of Conduct Policy. Who are we? Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team. As part of the Horizon Farm Credit team, you have the opportunity to make a difference in agriculture and rural communities. What can we offer you? We offer competitive compensation and benefits packages for full-time employees including: * Medical insurance with dental and vision care options * 401 (k) with significant employer matching * Paid time off, holidays, and volunteer time to support work/life balance * Tuition reimbursement and training opportunities * Student loan reimbursement * Leadership and career development opportunities * Paid maternity and bonding leave * Paid short-term disability * Fun and inclusive work environment Salary Range: $75,400 - $90,000, depending on experience. Equal Opportunity Employer including veterans and individuals with disabilities.

Bring your expertise to JP Morgan 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 a Lead Credit Officer - Vice President in Middle Market Banking and Specialized Industry Credit Risk team, you will partner with a cross functional team delivering credit solutions that support a range of needs from working capital and general corporate purposes to acquisition finance and dividend recapitalizations. Additionally, you will work with family-owned businesses, financial sponsors and some publicly traded companies. You will be responsible for analyzing and structuring new financing solutions as well as ongoing portfolio management in support of a range of needs from working capital and general corporate purposes to acquisition finance and dividend recapitalizations with execution on both a bilateral basis and in the syndicated finance market with a heavy emphasis on the latter. Additionally this Vice President position involves extensive interaction with clients, internal partners, legal counsel, and other lenders, etc. Additionally this role supports Middle Market Banking and Specialized Industries for the Mid-Atlantic region which covers companies generally between $20 million and $2 billion in revenues across a wide variety of industries including federal government contractors. **Job Responsibilities** + Utilize excellent credit analysis and financial modeling skills to analyze and structure new transactions and work independently on the assigned credit portfolio. + Appropriately assess risks / mitigants, balance risk / reward, diligently manage renewals, amendments and new transactions as well as maintain acceptable credit reporting metrics. + Form well thought out, independent views and be able to voice your opinion in a clear, concise manner and to defend that position with partners and senior leadership. + Lead complex transactions including negotiations and legal documentation for bilateral and syndicated finance structures. + Work proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving. + Act with a sense of urgency and drive execution to meet both internal and client deadlines. + Partner effectively to develop fulsome client relationships, including being looked to as an expert on Structuring and Credit Policy and will be viewed as the "go-to" person for credit by both internal partners and clients. + Provide leadership in the market by being a positive contributor to the team, including being a mentor to less experienced team members, embracing change and participating in various projects or improvement exercises for the benefit of the organization. + Demonstrate excellent communication skills both internally and externally and use those communication skills to effectively solve problems. **Required qualifications, capabilities and skills** + BA/BS/BBA degree is required. + Completion of a major corporate or commercial bank credit training program (or the equivalent corporate banking/corporate finance experience) and a thorough understanding of bank credit policies and procedures. + At least five years' experience in commercial banking/lending including extensive credit analysis, structuring and loan documentation experience + Significant accounting and finance knowledge and superior financial modeling skills. + Strong working knowledge of credit agreements and other loan documentation along with solid negotiation skills. + Demonstrated excellent verbal and written skills, interpersonal skills, and analytical and problem-solving skills. + Excellent organizational and project management skills; able to manage competing priorities under tight deadlines. + Proven ability to collaborate and build strong partnerships. + Intellectual curiosity with a proven ability to learn quickly. + High degree of initiative, self-direction, and ability to work well under pressure. **Preferred qualifications, capabilities and skills** + Experience with lending to sponsor-backed companies and/or experience lending to federal government services companies JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

Being a Country Bank team member has a lot of perks! Our competitive total compensation package and comprehensive benefit package include: Medical, dental and vision insurance, a 401(k) Plan with a generous employer contribution plus match; Income protection benefits; Educational assistance and tuition reimbursement benefits; Remote work and flexible scheduling options; Generous total paid time off, and more! Country Bank is a growing mutual community bank with locations in Hampden, Hampshire and Worcester counties. We are Made to Make a Difference in the lives of our customers, our communities, and for our team members every day since 1850. It is our people that drive our success and create our inclusive and engaging culture. We're excited to meet you to discuss our career opportunities and how you can make a difference as a part of our growing Credit team! About the Job: We're excited to announce an opportunity for the position of Junior Credit Analyst ! Under the supervision of the First Vice President, Commercial Credit, this position supports, procures, spreads, and analyzes financial statements and prepares written credit analyses for commercial customers/ prospects with a focus on supporting Business Banking, and prepares annual reviews for existing chosen commercial borrowers. Prepares Credit Approval Memos (“CAM”) including Abbreviated CAMs for new prospects and existing clients' financing requests for commercial lending related transactions involving real estate, C&I, SBA, and equipment financing. Provides support to the Appraisal Reviewer as requests for appraisals are received from Lenders by obtaining multiple appraisal bids, engaging appraisers, providing an independent review of the final appraisal, and maintains posting of completed reviews and workflow documents to OnBase. The hiring range for this position is $55,000 to $65,000. This position is Full Time, 40 hours weekly. Essential Duties and Responsibilities (Other Duties May be Assigned): Supports the Business Banking unit of Commercial Lending by spreading financial statements upon request, discussing appropriate deal structure with the Lenders, and completing Abbreviated or full CAM as required. Performs annual commercial credit reviews. Gathers relevant information to support analysis and recommendations including personal credit reports, loan officer memos, and appropriate industry analysis and statistics. Appropriately assesses and spreads pertinent financial information in accordance with policy and identifies technical and documentation related issues. Assigns an appropriate risk rating to properly notate applicable delinquencies and covenant compliance. In concert with the Appraisal Reviewer, ensures that commercial appraisal ordering process is appropriately administered, and operating efficiently. Responsible for periodic appraisal review. Corresponds in a professional, collaborative manner with appraisers, commercial loan officers, and commercial loan relationship officers regarding the Bank's appraisal ordering and review policies. Analyzes credit and financial data used in evaluating the creditworthiness of commercial borrowers and preparing a comprehensive, objective credit analysis that includes an appropriate collateral analysis to assist in the loan decision making process. Accompanies Loan Officers on business calls to existing and prospective customers, as needed, and assists the Loan Officer in developing and preparing the loan proposal including preparation of a global cash flow analysis. Remains abreast of industry trends impacting commercial loan portfolio and credit analysis. Fulfills special projects upon request. Responsible for building long-lasting relationships with customers, community and colleagues through the embodiment of our Core Values: Integrity, Service, Teamwork, Excellence and Prosperity. Other job duties, as assigned. Knowledge and Skills Candidates for this role should have demonstrated the ability to work independently, taking ownership of assigned tasks and follow ups with minimal oversight. Additionally, it is strongly preferred that candidates for this position have a basic understanding of financial statements and corporate/personal tax returns, experience working with financial data (ex. cash flow, reconciliations, corporate accounting, etc.), and reviewing financial documentation for accuracy, completeness, or eligibility. Demonstrated strong numerical aptitude and analytical skills is also preferred for this role, as well as experience communicating analysis verbally and in writing. Candidates with experience in analytical writing, which could include summaries of research, financial analysis or structured reports, are strongly preferred. This position requires intermediate knowledge of the Microsoft Office Suite, including Excel, Outlook, and Word. Strong knowledge of Global Wave Group's Credit Track LOS application, the Finastra core platform, and OnBase is preferred. Education and Work Experience An Associate's degree, or equivalent experience, in Business, Finance / Accounting, or related field is required. A Bachelor's degree is preferred. One year of banking, finance and/or credit experience is required, including involvement in loan workflows such as preparing loan files with soft underwriting, processing loan documentation, or portfolio monitoring. Working Conditions/Physical Requirements This position is in an office environment, which means the physical surroundings are generally pleasant and comfortable with minimal exposure to injury or other hazards, with a moderate level of noise. Prolonged periods of sitting and looking at a computer screen with freedom of movement on a regular basis is expected. Minimal physical effort is required but could include: repetitive motion of wrists and fingers; talking and hearing; and handling of light materials and supplies. This position will require some travel between offices. Country Bank is an Equal Opportunity Employer. Diverse applicants encouraged to apply.

Farmer Mac is looking to hire a driven, analytical, industry focused and personable individual for the position of Credit Analyst - Power & Utilities. This Credit Analyst will support credit and analysis functions in Farmer Mac's Power & Utilities group to gain a foundation for underwriting and develop on-the-job credit experience in power & Utilities (and other Infrastructure Finance groups as needed). Position Summary The Credit Analyst plays a key role in analyzing, underwriting, and providing recommendations for new credit transactions, closing loan acquisitions as well as administering various ongoing portfolio monitoring functions. This role supports a seasoned relationship management team responsible for growing Farmer Mac's Power & Utilities portfolio. The suitable candidate will learn to analyze the current, historical, and projected financial condition and repayment capacity of borrowers. Additionally, he/she will evaluate subjective borrower characteristics including customer profiles, revenue concentrations, competitiveness and composition of supply resources, state and local regulatory environments, and the health of relevant power markets. The Credit Analyst will need to be adept at research and assessing data from seller documents, borrower Web sites, and public and subscription databases. This role is expected to quickly contribute towards supporting growth within Farmer Mac's Broadband Infrastructure segment and significantly contribute to Farmer Mac's strategic objectives and initiatives. Suitable candidate must be curious, a self-starter, able to work and complete various and recurring tasks timely and thoughtfully. Candidate must also be able to work independently and should be a proactive and effective communicator. Who You Will Work With The Credit Analyst will be an integral part of the Power & Utilities team, reporting directly to the Senior Managing Director of Infrastructure Finance and will have daily interactions with the Relationship Managers of Power & Utilities, Transaction Management, and internal and external partners. Where You Will Work Farmer Mac embraces a Presence with Purpose work environment, which allows for flexibility of work location while providing the opportunity for teams to come together in the office with purpose. Work outside of core hours may be required for planned and unplanned activities to complete time sensitive projects or to attend off-site meetings or events. The position is remote with preference for candidates in Washington, D.C. or Denver, CO areas. Primary Responsibilities and Duties Support Power & Utilities loan portfolio and collaborate with key internal stakeholders including Relationship Managers, Credit, and Transaction Management. Assess and analyze new loan transactions to electric distribution and generation and transmission borrowers within prescribed standards and underwriting guidelines. Analyze the current, historical, and projected financial condition and repayment capacity of borrowers. Identification of key risks and issues pertinent to each credit request, including mitigants for identified risks. Spread financial statements in Moody's CreditLens and Farmer Mac's internal excel templates. Assist with portfolio administration, including helping update bi-weekly loan pricing worksheets, loan pricing research, and facilitating periodic rate reset actions for existing loans. Assist with a wholesale lending program including quarterly compliance tracking, annual reviews, and ad-hoc competitive bid proposals. Develop and maintain knowledge of the electric cooperative industry through research and periodic attendance of conferences. Provide analyst support across other Infrastructure Finance segments, as needed. Support organization wide initiatives and processes to improve efficiency, productivity, sourcing and credit quality. Professional Experience/Qualifications Bachelor's degree in accounting, finance, business administration, economics, engineering or related field. Fundamental understanding of accounting and financial statements. At least two years of professional experience, which would have included managing multiple priorities and working both independently and as part of a team. Knowledge of Microsoft Office applications (Outlook, Word, and Excel) and other business software Ideal candidate will be thoughtful, inquisitive and curious in nature with heightened attention to detail appropriate for transactions of significant size and risk. Our compensation philosophy is targeted pay positioning relative to peers, our industry, and external markets. Farmer Mac is committed to a compensation program that will enable the organization to attract, motivate, reward, and retain highly skilled and creative talent to maintain sustained long-term performance and achieve the organization's strategic business objectives. Salary is competitive. The typical starting salary range for this position is between $55,000-$80,000, although wages can vary based on experience and geography, plus performance-based bonus and equity-based awards. Individual compensation will be commensurate with the candidate's experience.

About NCRC

Job DescriptionDescription: Do you want to work for a company that cares about you as a person, not just a number? For a company that provides outstanding leadership? For a company that offers exceptional benefits? RER Solutions, Inc., could be your new home. RER Solutions, Inc. is accepting resumes for a Credit Analyst - Energy Project Finance to join our exceptional workforce in Washington, DC. The Credit Analyst - Energy Project Finance will conduct comprehensive credit analyses for new loans and loan guarantee applications, and participate in ongoing portfolio management activities onsite within the Department of Energy's Loan Programs Office (LPO). LPO has $200+ billion to make loans to innovative energy projects that will revolutionize the US energy industry. LPO's available capital makes it the largest energy lending organization in the world. RESPONSIBILITIES Conduct thorough due diligence and detailed credit analysis of potential large, complex, innovative projects Conduct thorough due diligence, detailed credit analysis, and financial modeling, as well as executing credit risk rating assessments, and supporting loan restructuring and monitoring efforts Perform independent credit analysis for new loans and loan guarantee applications Develop or review complex financial models to assess project viability and risk Execute comprehensive credit risk rating assessments Assist in the negotiation of term sheets for new applications Review marketing reports and presentation slides related to loan applications Coordinate tasks and information flow among various team members involved in the application process and portfolio management Support the team leader in adhering to all underwriting guidelines and procedures Collaborate closely with the risk group to address all identified issues and outstanding concerns from due diligence Conduct a thorough and complete analysis before presenting findings to approval authorities within the LPO and the Department of Energy (DOE) Prepare all necessary documentation for ultimate approval by internal approval committees and boards Participate in the monitoring of existing loan guarantees, including assessing ongoing financial performance and compliance Contribute to loan restructuring efforts, including analysis of proposed modifications and their impact on credit risk Support the team leader in following all procedures and assessments related to underwriting guidelines following Title XVII, ATVM, TELGP, and CIFIA Requirements: Experience working as a financial analyst in private equity or investment banking Experience working in investment banking or participating in a large bank credit training program Knowledge of the private sector credit market or federal credit, investment analysis, and loan administration practices and agreements with lending institutions Knowledge of financing concepts, principles, techniques, and practices, and investment and commercial banking, especially as they relate to project financing Knowledge in credit analysis, financial modeling, credit risk rating assessments, term sheet negotiation, reviewing marketing reports, and creation of presentation slides Ability to lead financial projects, coordinate the work of other professional employees, and team coordination Minimum of US Citizenship required to obtain client-issued Public Trust Excellent written and oral communication skills Excellent attention to detail and an understanding of fundamental business writing Expertise in Microsoft Office Products (i.e., Word, Excel, PowerPoint, and Outlook) EDUCATION: Bachelor's Degree COMPENSATION: Includes paid holidays, vacation, sick leave, 401k matching, life insurance, health, vision, and dental benefits. This position is not available for Corp-to-Corp or 3rd party sourcing. We are 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.

As the Returned Goods Credit Specialist, you will work directly with Accounts Receivable and support functions including Credit Issuance, Managing Reports, and Vendor Maintenance. This is a remote position requiring you to work in the Eastern Time Zone hours. Duties and Responsibilities: Review, investigate, and process credits related to Returned Goods, Trade Ins, Recalls, Quality, and other various circumstances requiring credit issuance. Apply Vendor Maintenance additions/adjustments form to the respective ERP systems. Support and create efficiencies in a remote working environment. Accounts Receivable related projects. Minimum Requirements: High school degree or GED 1+ years of experience in an accounting environment Preferred Qualifications: · Associate's degree in Accounting or Business · Strong computer skills, including proficiency in Excel · Understanding of accounts receivable and associated transactions · Highly organized with acute attention to detail and accuracy · Analytical and problem-solving skills · Excellent verbal and written communications skills This role is not eligible for employer-based sponsorship. Disclosure as required by applicable law, the hourly range for this position is $18- $27 an hour. The actual compensation may vary based on geographic location, work experience, education, and skill level. The salary range is CONMED's good faith belief at the time of this posting. This job posting is anticipated to close on January 9, 2025. We may, however, extend this time period, in which case the posting will remain available on careers.conmed.com. Please submit your application as soon as possible as we will be reviewing applications on a rolling basis as we receive them. Benefits: CONMED offers a wide array of benefits to fit your unique needs. Visit our Benefits Page for more information. Competitive compensation Excellent healthcare including medical, dental, vision and prescription coverage Short & long term disability plus life insurance -- cost paid fully by CONMED Retirement Savings Plan (401K) -- CONMED matches your contributions dollar for dollar, with the potential for up to 7% per pay period Employee Stock Purchase Plan -- allows stock purchases at discounted price Tuition assistance for undergraduate and graduate level courses Know someone at CONMED? Have them submit you as a referral before applying for this position to be eligible for our Employee Referral Program incentives! CONMED is an equal opportunity employer and does not discriminate on the basis of any legally protected status or characteristic. Protected veterans and individuals with disabilities are encouraged to apply. The Know Your Rights: Workplace Discrimination is Illegal Poster reaffirms this commitment. Colorado Residents: In any materials you submit, you may redact or remove age-identifying information such as age, date of birth, or dates of school attendance or graduation. You will not be penalized for redacting or removing this information. If you feel you need a reasonable accommodation pursuant to the ADA, you are encouraged to contact us at ************ option #5.

Located in the Eastern Time Zone - Required Join our team as a Call Back Analyst and play a key role in turning approvals into contracts. You'll call dealerships on applications that have been approved or conditionally approved through our automated decisioning process and will provide solutions with the goal of capturing the contract while assessing the overall risk of the application. Using UACC's common-sense lending approach, you will build strong dealer relationships over the phone, deliver outstanding service, and help drive business growth while representing a trusted brand in the auto finance industry. Essential Duties and Responsibilities As a Call Back Analyst, you'll be the bridge between approvals and signed contracts, turning opportunities into results while building lasting dealer relationships. You will: Close the loop - Call our dealership partners to rehash approvals with the goal of capturing the contract while providing solutions and assessing the overall risk of the application. Match the right fit - Ensure sales contracts meet program and guideline specifications or counteroffer to a different program to evaluate risk and price the application accordingly Be a trusted partner - Work hand-in-hand with dealerships, Area Managers, and our Sales/Marketing team to strengthen relationships and drive success. Add value to every deal - Review deals with dealers and help structure or restructure them for the best possible outcome. Bring solutions to the table - Gather key information to recommend alternative products or programs when appropriate. Educate and empower - Clearly explain the “why” behind credit decisions, helping dealers understand our approach and build confidence in our partnership. Aim high - Consistently hit or exceed monthly goals for production, quality, and customer satisfaction. Collaborate for success - Work closely with internal teams like Funding and Sales to keep deals moving smoothly. Stay adaptable - Jump in where needed to support the team and company goals. Qualifications We're looking for a motivated professional who thrives in a fast-paced, relationship-driven environment. Skills & Abilities Excellent communication and interpersonal skills Strong organizational and time management abilities Proven ability to build relationships with dealers, sales/marketing teams, and peers Skilled negotiator with a drive to win in a competitive market and ability to think outside the box Compensation Range: $17.00 - $20.00 an hour, based on experience Uncapped Bonuses, Averaging $1,100 monthly Expected Total Compensation including Average Bonus = $49K - $55k plus!! Education/Experience Bachelor's degree preferred (or equivalent combination of education and experience) Auto finance or financial services experience preferred but not required No certifications or licenses required Technical Skills Proficient in Microsoft Office, Google G Suite, and Teams Commitment to Diversity and Equal Employment Opportunity United Auto Credit Corporation, a wholly owned indirect subsidiary of Vroom, is an equal opportunity employer committed to creating and supporting a work environment where all employees can find their drive. To do that, we champion a workplace where each and every person is treated with dignity and respect and is valued for their unique perspectives and contributions. We believe our values of SPEED (Service, Progress, Employees, Engagement, and Development) are best realized in an environment, whether physical or virtual, where every individual has the ability to bring their whole selves to work and contribute fully. UACC maintains a working environment that encourages mutual respect and promotes harmonious and friendly relationships among employees. The company prohibits any form of employment discrimination or harassment against employees, applicants, or other protected persons in the workplace based on a protected characteristic(s), regardless of who the source is of such conduct. Protected characteristics include race, color, religion, creed, sex (including gender, sexual orientation, gender identity or expression, or pregnancy, childbirth, or a related medical condition), national origin, ancestry, ethnicity, age, physical or mental disability, genetic information, service in the uniformed services, citizenship, or any other characteristic protected by federal, state, and/or local law. This commitment to antidiscrimination and antiharassment applies to all terms, conditions, and privileges of employment including, but not limited to, recruitment and hiring. UACC likewise provides reasonable accommodations to qualified applicants, employees, or other legally protected individuals in the workplace with a disability to enable them to participate in the job application process, to perform the essential functions of a job, or to enjoy the benefits and privileges of employment equal to those of other employees, except if the accommodation would pose an undue hardship. The company also makes reasonable accommodations for religious beliefs and practices. UACC complies with all applicable federal, state, and/or local laws relating to equal employment. Other Things to Note This posting is not intended to provide a comprehensive account of the duties and responsibilities that may be required of this position. Duties and responsibilities may change or be added at any time, with or without notice. Please review our privacy and CCPA policies.

The Senior Commercial Underwriter shall perform financial analysis and risk assessment on Commercial & Industrial and Commercial Real Estate transactions. This independent analysis function is designed to provide an in-depth evaluation of the strengths and weaknesses in commercial loan requests that will assist management in determining if the overall risk in a credit request is acceptable to the Bank. In addition, this position may be asked to apply their financial analysis skills to assist other areas of credit risk management. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Prepare timely, high quality credit analysis and recommendations that accurately describe the transaction along with risk and mitigating factors associated with the loan request. Prepare detailed analysis of historical property operations to make informed decisions about future performance. Utilize financial spreading software as well as other financial analysis tools to evaluate borrower's cash flow and determine adequacy of the borrower's primary and secondary repayment sources. For real estate transactions, in-depth understanding of property operating statements, leases, rent rolls, real estate schedules and the ability to perform detailed cash flow analysis using CRE templates. Ability to perform stress testing scenarios on construction projects and stabilized income producing real estate properties. For C&I transactions, ability to understand cash flow cycles, conduct sensitivity analysis, evaluate Borrower's cash flow and its ability to provide adequate debt coverage for the proposed transactions as well as determine cushions of protections. Research and investigate applicable market data using industry related tools such as Co Star and Vertical IQ. Analyze third-party reports and appraisals. Determine and obtain missing files and/or missing documentation as needed to complete the assignment. Experience in analyzing and interpreting all levels of financial statement quality. Ability to analyze complex personal financial statements and personal tax returns of sponsors/guarantors as well as contingent debt. Assign risk rating based on risk rating metrics and Bank loan policy. Monitor and measure financial covenants as well as Borrower operating performance. Assist with preparation of loan presentations for Executive and Board Loan Committees. Perform routine annual reviews of relationships within loan portfolio. Assist with training & mentoring of commercial underwriting team members. Attend client meetings, as appropriate, to support underwriting request. Other Duties Complies with all policies and procedures as applied to the Bank's BSA/AML policy. Perform other duties as assigned. Skills/Abilities High level of commercial loan underwriting expertise. Extensive knowledge of spreading and analyzing financial statements. Thorough understanding of financial accounting. Knowledge of applicable local market. Ability to work well under pressure and meet designated deadlines. Full understanding of loan documentation and applicable regulatory requirements. Excellent verbal and written communication skills. Computer literate with proficiency in Microsoft Office applications. Excellent organizational skills. Strong analytical skills and attention to detail. Ability to work independently while meeting processing standards for quality and quantity. Experience with Financial Spreading software. Experience with industry related tools (Vertical IQ & Co-Star preferred). Supervisory Responsibility This position has no supervisory responsibilities. Work Environment This job operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer. Physical Demands This position requires manual dexterity, the ability to lift files and opening cabinets. This position requires bending, stooping or standing as necessary. Travel Travel may be required for this position. Education and Experience Bachelor's degree (preferred Finance, Accounting, or equivalent industry experience). Formal Credit training or equivalent industry experience preferred. Minimum five years of experience in commercial underwriting/analysis role required. This position is classified as exempt, and as such it is paid on a salary basis. The pay range for this position is $80,000 to $130,000. This position is classified as full-time and the benefits package includes health insurance, dental insurance, vision insurance. Employees may select from coverage options which range from employee only to family coverage. Full-time employees receive either Paid Time Off (PTO) or separate paid vacation and paid illness leave accrual. This is in addition to a paid holiday schedule, paid bereavement, and paid parental leave. Benefits also include company paid life insurance and paid long-term disability coverage. Our bank also offers a 401(k) with a company match. Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. Equal Employment Opportunity Employer/M/F/disability/protected veteran status. Equal Employment Opportunity Employer/M/F/disability/protected veteran status