Senior Credit Analyst jobs at Credit Agricole CIB

The GRC Analyst will collaborate with process owners, internal auditors, external auditors, and other stakeholders to assist in reviewing, monitoring, and resolving findings. This includes helping the team manage SOX and GLBA Compliance programs. The GRC Analyst will support the implementation of internal and external assessments, assist with compliance audits, and ensure compliance with existing and emerging regulations and standards including GLBA, SOX, and other GRC activities. KEY RESPONSIBILITIES Gather relevant evidence to support annual testing for internal and external audits. Maintain and monitor a central repository for audit evidence. Ensure timely and accurate response to internal and external audit requests. Provide training and guidance to employees and other stakeholders on cybersecurity best practices and awareness including but not limited to: • New Hire Training, • Monthly cybersecurity newsletters and phishing campaigns, • Administration of the Cybersecurity Compliance training program Gather relevant evidence and documentation to support risk assessments using various frameworks to identify control ratings, strengths, potential gaps and action plans. Leverage the Bank's GRC platform to document and manage security exceptions, violations, incidents, and other risk concerns to closure. Maintain up-to-date documentation of procedures and methods that serve to broaden team knowledge and industry expertise. Assist GRC Manager with maintaining security standards, policies, and practices on an annual basis to make sure they reflect the current environment Collaborate with business lines to help satisfy new and existing regulatory obligations. MINIMUM SKILLS REQUIRED 1-3 years' experience in cybersecurity with exposure with various security frameworks. Understanding of cybersecurity governance frameworks, Sarbanes Oxley (SOX) compliance requirements and IT General Controls (ITGC) Information Security Governance experience or related training Detail oriented with good organizational skills Effective written and verbal communication skills Intermediate proficiency with Microsoft Office

Job Description 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

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

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

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

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

Job Description ABOUT THE ROLE CountryPlace Mortgage, a leading nationwide personal property, mortgage and commercial lender headquartered in Plano, TX, is seeking a Senior Credit Analyst to help grow our Originations Department. This in-person role is in our Plano, TX office. The Senior Credit Analyst is responsible for reviewing loan documentation and determining if loan applications and approvals meet program guidelines. The Senior Credit Analyst collaborates with loan officers to ensure a smooth process for borrowers whenever possible. ESSENTIAL DUTIES & RESPONSIBILITIES Reviews loan submissions from Loan Officers and Loan Processors Calculates qualification ratios for loans Ensure loans meet program requirements Answers questions for Credit Analysts, Loan Officers, Lending Associates, and Loan Processors Trains and mentors Lending Associates and Credit Analysts Conducts trainings with Regional Sales Managers as requested Reviews income, asset, property, and other documentation to ensure loan applications comply with guidelines Reviews surveys, title policies, and appraisals Strong understanding of home only lending Strong understanding of land home lending for factory-built housing Interfaces with 3rd party QC vendors to ensure loans originated met established guideline Develops and maintains positive working relationships with co-workers Reviews credit bureaus ensuring borrower credit meets program guidelines Additional tasks as requested including but not limited to training others, building process training guides, application entry, and other tasks upon request POSITION REQUIREMENTS, CAPABILITIES, & SKILLS Excellent analytical skills Excellent written, verbal and interpersonal communication skills Strong work ethic with an ability to meet deadlines while multi-tasking Superior attention to detail and accuracy Excellent ability to identify and resolve problems in a timely manner Superior organization and time management skills with the ability to multi-task Excellent decision-making, customer service and problem-solving skills Strong ability to strategize and prioritize efforts to achieve goals Strong research and critical thinking skills Strong interpersonal skills and ability to work well with a wide range of people Positive & professional demeanor Self-starter with strong organizational skills Highly organized, consistent, and solutions focused Employ a strong sense of urgency and ownership in all activities Self-motivated with the ability to work independently Must consistently demonstrate professionalism while effectively collaborating in a team environment MINIMUM QUALIFICATIONS BA/BS degree required in Marketing, Business, Accounting, Finance or Management 3+ years of experience underwriting manufactured housing home only loans 4+ years of experience in manufactured housing lending Working knowledge of Microsoft Office and financial calculator WE OFFER Competitive Salary plus bonus Medical/Dental/Vision Insurance Paid Holidays 401K Match Generous PTO FSA/HSA Plans Life /Disability/Accidental Insurance and much more! Applicants must be authorized to work for ANY employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time. Local candidates only - relocation not available. Disclaimer: The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed. Cavco Industries and CountryPlace Mortgage are committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment.

A great banking experience starts with a great team! Mid Penn Bank is actively seeking a Senior Credit Analyst to join our team in PA or NJ. We believe that our ongoing success depends upon a skilled, satisfied, and valued work force. As a member of our team, you can expect opportunities to develop your skills to help you excel in your role and achieve your professional career goals. We offer a comprehensive range of flexible benefits to support your personal and financial well-being. Position Overview The Senior Credit Analyst is responsible for analyzing credit data and financial statements of individuals or businesses to determine the degree of risk involved in extending credit. This individual will prepare reports with credit information for use in the credit decision. In addition, the Senior Credit Analyst will accompany Commercial Loan Officers on customer calls to collect information and ask questions that are necessary during the credit analysis process. Senior Credit Analysts will work independently with limited supervision while analyzing the most complex credits and provide leadership and guidance to less experienced Credit Analysts. Essential Duties and Responsibilities * Works independently and with minimal supervision to analyze credit data for the most complex credits. * Reviews and analyzes data and financial information to evaluate and provide judgment on the short and long-term repayment prospects of the individual or company. * Synthesizes the results of the financial review and prepares financial statement spreads and a written financial analysis summarizing the borrower's historical and projected performance, credit strengths and weaknesses, sources of repayment, potential risks to the organization, and overall evaluation of creditworthiness. * Applies credit policy to all loan requests and identifies exceptions to policy that would need additional approvals. * Researches specific industry issues and economic trends to predict the potential impact to the borrower's performance. * Provides recommendations to assist in policy & procedure development or maintenance. * Contributes to active portfolio management and makes recommendations based on the receipt and evaluation of new financial information. * Accompanies Commercial Loan Officers on customer calls to collect information and ask questions. * Continues on-going education to stay abreast of current economic conditions, techniques in credit analysis, risk management, and industry trends. * Achieves goals assigned to the Senior Credit Analyst as part of the assigned department's annual operating plan. * Helps establish department goals and implements strategies to achieve goals and helps to manage department workflow when needed. * Collects information and asks questions that are then used in the credit analysis process. * Works closely with Loan Officers and department management on more complex transactions and interacts with customers and their financial officers in gaining in-depth understanding of customer's business and financial position. * Contacts accountants, attorneys, and/or borrowers to obtain additional information. * Prepares financial documents and reports in an accurate and timely manner. * Completes a minimum average of 8 write-ups per month. * Completes extensions prior to month end. * Actively manages the term loan reviews as assigned. * Collaborates with credit team to identify and correct any issues related to the lending function including customer service, internal operations, credit control procedures, etc. * Communicates with management and staff personnel in order to integrate goals and activities. * Partners with department management to help train and develop less experienced Credit Analysts; provides leadership, acts as a mentor, reviews work for accuracy, and coaches on best practices and advanced credit underwriting skills. * Responds to inquiries relating to his/her particular area, or to requests from other company personnel, customers, etc., within given time frames and within established policy. * Ensures that all credit analysis activities are conducted in accordance with prescribed departmental procedures and applicable laws or regulations. * Estimates the degree of risk involved in extending credit or lending money to firms or individuals. * Determines risk rating based on the evaluation of financial information. * Plays an active role in protecting the organization and its customers against fraud by incorporating risk awareness and prevention into daily responsibilities. * Prepares or oversees the preparation of key department reports such as, Portfolio Management Reporting, Monthly Stock Collateral Valuation report, Borrowing Base tracking reports, Quarterly Board Reports, and others. * Maintains appropriate records and reports pertinent information to the immediate supervisor as requested, or according to an established schedule; compiles information as necessary or as directed and provides data to appropriate personnel. * Prepares minutes for company meetings. * 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. * Regular and predictable attendance is required. Education & Qualifications * A B.S. or B.A. degree, preferably in a related field of study; specialized financial analysis training also preferred. * A minimum of two (2) to (3) years' related experience normally required. Skill(s) Proficient reading, writing, and grammar skills; proficient interpersonal relations, communicative, and presentation skills; ability to work with mathematical concepts such as ratio and trend analysis and ability to interpret trends in each; ability to read, analyze, and interpret industry information, customer financial statements, and tax returns; ability to define problems, collect data, establish facts, and draw valid conclusions; proficient in use of Microsoft Excel, Microsoft Word, information systems, and Internet research; demonstrated leadership skills; ability to sit, stand, walk, bend, stoop, reach with hands or arms, use hands to manipulate objects, handle or feel, and lift items weighing 20 lbs. or less; visual, auditory and speaking skills; valid driver's license is required. Equipment/Machines * Automobile * Telephone * PC/Computer keyboard * Printer * Fax machine * Copy machine * Calculator Benefits Mid Penn Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account, dental and vision insurance; life insurance; 401(k) program with employer match and employee stock purchase plan; paid time off, paid holidays; disability insurance coverage, parental leave; employee assistance program, and tuition reimbursement. In addition, all employees are eligible to participate in mentorship programs, receive individualized development and career counseling, and participate in Mid Penn University courses and development programs. EEO Statement Qualified applicants are considered without regard to race, color, age, sex, sexual orientation, gender identity, religion, national origin, genetic information, pregnancy, disability, or protected veteran status. We also comply with all applicable laws governing employment practices and do not discriminate on the basis of any unlawful criteria. Equal Opportunity Employer-Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity Sponsorship Statement As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Mid Penn Bank currently or in the future.

Canandaigua National Bank & Trust ) What does a Credit Analyst do? A Credit Analyst is responsible for analyzing financial and credit information for potential and existing customers to assess customer creditworthiness; achieving goals as established in the assigned department's annual operating plan; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for the credit analysis function; communicating with appropriate personnel; maintaining appropriate records and providing assigned reports. What competencies are needed to be successful in this role? A BS or BA degree in Accounting, Business, or related field normally required. A minimum of five (5) years related experience. Excellent communication skills and strong attention to detail. Proficiency with a PC and associated programs (such as Microsoft Office) What does a successful first year in this position look like? Analyze financial and credit information for potential and existing customers to assess customer creditworthiness. Receive data on prospective and active borrowing accounts, i.e., financial statements, credit reports, and interview and investigation sheets. Prepare cash flow and collateral analyses for larger dollar/more complex requests; provides a written summary of borrower's financial performance. Assess the strengths and weaknesses of the credit relationship. Research potential borrower's company and industry either via Internet or publications. Provide thorough documentation of all financial analysis work, including ratios and other related information. What makes working at CNB different? At CNB, we are Investing in You . Our strong corporate culture is based upon seven Core Values: Honesty and Integrity, Responsibility, Teamwork, Respect, Innovation, Professionalism, and Commitment. Our culture nurtures passionate employees and offers great rewards including: Medical, Dental, Vision, FSA, HSA options for both part-time and full-time employees. Medical coverage is also offered for domestic partners. Paid Holidays, Vacation, and Sick time. Retirement benefits that include a 401(k), Profit Sharing, and Employee Stock Ownership Plan (ESOP). Training & Development Opportunities. Tuition Assistance. Volunteer Opportunities. Award Winning Wellness program that promotes a solid work/life balance. Banking perks and discount programs. Our goal is to ensure that our bank, employees, and our community thrive and grow, now and for the next 125 years. We're in it for the long haul. What truly sets us apart from other financial institutions is the quality and commitment of our employees. We've assembled a diverse team of people who share a primary focus: to provide exceptional service for our customers. As an organization, we are committed to hiring, training, developing, promoting, and celebrating employees from historically disadvantaged groups. At CNB, we welcome the unique contributions that you can bring in terms of ethnicity, race, sex, gender identity and expression, nation of origin, age, languages spoken, veteran's status, religion, disability, sexual orientation, education, and culture. As the only local, full-service, community-owned financial institution in the Rochester area, Canandaigua National Bank & Trust is Investing in You . If you want to be a part of something special, join us today! Compensation range- $88,000-$105,000The actual salary offered within the range is dependent on a variety of factors including, but not limited to, relevant experience, qualifications, skills, level offered, and performance expectations. Canandaigua National Corporation and its subsidiaries encourage diversity in the workplace; we are an Equal Opportunity Employer. Minority/Female/Sexual Orientation/Gender Identity/Disability/Veteran.

We are a full-service community bank with branch locations in New York and New Jersey. Each day, Northfield Bank upholds our mission to be the financial institution of choice for individuals and businesses by delivering innovative products and exceptional customer service. Founded in 1887, the Bank has always been proud of being “locally grown,” and credits our strength to our dedication to our customers and the communities that we serve. Job Title: Senior Credit Analyst Job Location: Woodbridge, NJ Job Status: Full Time General Description: Independently evaluate the creditworthiness and risk classification of commercial loan transactions presented for acquisition and renewal. Ensure that the credit decision is compliant with policy and all exceptions are identified. Make recommendations to management regarding the strengths and weaknesses of potential transactions. Document recommendations by preparing a formal underwriting consisting of a narrative report supported by quantitative analysis of financial and credit statements. Essential Functions: Preparation of a formal credit risk analysis and supporting financial spreadsheets for commercial real estate transactions, business loans, and construction projects. Independent evaluation and review of all pertinent credit and financial information, including audited, reviewed, compiled and management-prepared financial statements, tax returns, credit bureau reports, vendor and bank inquiries. Perform independent due diligence as necessary to appropriately vet all prospective individual and corporate entities. Ensure that the underwriting is policy compliant and that all policy exceptions and guidelines are identified and documented in the underwriting. Identify the strengths and weaknesses of all proposed credit transactions, and work with the loan officer to establish valid mitigants to weaknesses. Responsible to ensure that policy compliant approval levels are assigned to the underwriting and the appropriate signatures are obtained. Assign a proposed Risk Rating to the credit that is in compliance with Risk Rating Definitions. Present the credit request to management along with the loan officer. Prepare annual credit reviews and independently re-evaluate the Risk Rating of existing loans. Underwrite and present credit renewals and extensions. Participate in continued advanced specialized training to maintain the competency level required for a Subject Specialist. Interface with all levels of the organization, including Senior Management. Responsible for complying with all policies and guidelines, including BSA, anti-money laundering, government regulations and annual compliance training. Required: Regulatory Knowledge - Understands the applicable federal, state, local, and company-specific regulations, policies and guidelines affecting business practices Decision-Making - Able to make sound business decisions. Takes thoughtful approach when considering options. Seeks input from others, as appropriate. Willing to make difficult decisions. Accountability - Takes responsibility and ownership for decisions, actions and results. Follows through on commitments. Judgment - Possesses the ability to effectively perform the required functions of the job without being told every detail, to independently solve problems, and offer suggestions. Analytical Skills - Ability to take large volumes of data and then analyze trends an produce a result. Ability to breakdown complex problems into simpler, more manageable components. Ability to gather all information necessary to solve a problem, recognize underlying issues based on data and trends, and organize all relevant information to provide insight and ideas on how to draw appropriate conclusions that will help solve the problem. Technical Expertise - Demonstrates the ability to use current and new technology effectively and productively to meet job needs (e.g., computers). Continually updates skills and knowledge to meet position demands and requirements. Preferred: Dependability - Is considered reliable and consistently goes beyond the routine scope of the normal job duties. Maintains a high degree of flexibility. Continuous Learning - Pursues opportunities to develop self and improve skill level. Solicits feedback from supervisor and others and takes active measures to maximize potential. Is always working to advance their professional skill set. Recognizes additional work and/or job duties as an opportunity to grow professionally. Pay Range: $90,000-115,000 (For informational purposes only; offers will be made based on experience) Northfield Bank is an Equal Employment Opportunity EmployerMinorities/Females/Protected Veterans/Individual with Disabilities/Sexual Orientation/Gender Identity

We are a full-service community bank with branch locations in New York and New Jersey. Each day, Northfield Bank upholds our mission to be the financial institution of choice for individuals and businesses by delivering innovative products and exceptional customer service. Founded in 1887, the Bank has always been proud of being "locally grown," and credits our strength to our dedication to our customers and the communities that we serve. Job Title: Senior Credit Analyst Job Location: Woodbridge, NJ Job Status: Full Time General Description: Independently evaluate the creditworthiness and risk classification of commercial loan transactions presented for acquisition and renewal. Ensure that the credit decision is compliant with policy and all exceptions are identified. Make recommendations to management regarding the strengths and weaknesses of potential transactions. Document recommendations by preparing a formal underwriting consisting of a narrative report supported by quantitative analysis of financial and credit statements. Essential Functions: * Preparation of a formal credit risk analysis and supporting financial spreadsheets for commercial real estate transactions, business loans, and construction projects. * Independent evaluation and review of all pertinent credit and financial information, including audited, reviewed, compiled and management-prepared financial statements, tax returns, credit bureau reports, vendor and bank inquiries. * Perform independent due diligence as necessary to appropriately vet all prospective individual and corporate entities. * Ensure that the underwriting is policy compliant and that all policy exceptions and guidelines are identified and documented in the underwriting. * Identify the strengths and weaknesses of all proposed credit transactions, and work with the loan officer to establish valid mitigants to weaknesses. * Responsible to ensure that policy compliant approval levels are assigned to the underwriting and the appropriate signatures are obtained. * Assign a proposed Risk Rating to the credit that is in compliance with Risk Rating Definitions. * Present the credit request to management along with the loan officer. * Prepare annual credit reviews and independently re-evaluate the Risk Rating of existing loans. * Underwrite and present credit renewals and extensions. * Participate in continued advanced specialized training to maintain the competency level required for a Subject Specialist. * Interface with all levels of the organization, including Senior Management. * Responsible for complying with all policies and guidelines, including BSA, anti-money laundering, government regulations and annual compliance training. Required: * Regulatory Knowledge - Understands the applicable federal, state, local, and company-specific regulations, policies and guidelines affecting business practices * Decision-Making - Able to make sound business decisions. Takes thoughtful approach when considering options. Seeks input from others, as appropriate. Willing to make difficult decisions. * Accountability - Takes responsibility and ownership for decisions, actions and results. Follows through on commitments. * Judgment - Possesses the ability to effectively perform the required functions of the job without being told every detail, to independently solve problems, and offer suggestions. * Analytical Skills - Ability to take large volumes of data and then analyze trends an produce a result. Ability to breakdown complex problems into simpler, more manageable components. Ability to gather all information necessary to solve a problem, recognize underlying issues based on data and trends, and organize all relevant information to provide insight and ideas on how to draw appropriate conclusions that will help solve the problem. * Technical Expertise - Demonstrates the ability to use current and new technology effectively and productively to meet job needs (e.g., computers). Continually updates skills and knowledge to meet position demands and requirements. Preferred: * Dependability - Is considered reliable and consistently goes beyond the routine scope of the normal job duties. Maintains a high degree of flexibility. * Continuous Learning - Pursues opportunities to develop self and improve skill level. Solicits feedback from supervisor and others and takes active measures to maximize potential. Is always working to advance their professional skill set. Recognizes additional work and/or job duties as an opportunity to grow professionally. Pay Range: $90,000-115,000 (For informational purposes only; offers will be made based on experience) Northfield Bank is an Equal Employment Opportunity Employer Minorities/Females/Protected Veterans/Individual with Disabilities/Sexual Orientation/Gender Identity

At First Mid, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of discretionary short-term incentives (i.e. bonus, incentives, and/or commission). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, tuition reimbursement, an Employee Stock Purchase Plan, and a 401K plan with company match. Incentives and benefits are subject to eligibility requirements. Responsible for the completion of loan credit analyses for new and existing commercial and ag loan relationships. Conduct financial statement review for loan officers, as well as comprehensive statement spreading. Responsibilities include, but are not limited to: * Perform credit analyses and financial statement reviews on commercial and ag loan relationships. * Create professional credit presentations that summarize borrower's financial condition and evaluate repayment capacity and collateral coverage. Make recommendations, tied to analysis, to loan officers and/or loan committee. * Monitor loan requests and assign risk ratings that are based on established written lending policies and regulatory guidelines. * Research industry specific information from outside sources and provide analysis. * Investigate all available sources of credit and financial information, including credit bureaus, Experian Business Credit, the Risk Management Association, industry trends and other companies. * Review work of analysts and provide feedback. * Meet with commercial customers of the Bank on a scheduled basis in conjunction with the loan officers to foster relationships and enhance the Bank's understanding of credits. * Complete credit administration tasks as assigned, including, but not limited to, annual reviews, financial covenant tracking, and borrowing base tracking. * Complete required training associated with job function. * Other duties and special projects as assigned. Qualifications Education/Experience: * Bachelor's degree in Accounting, Finance, or Business Administration and/or commensurate banking experience in a lending or credit function. * Knowledge of spreadsheet and word processing software, specifically Excel, Word, and Microsoft Office. * Formal training in Microsoft Excel preferred. Skills: * Detail-oriented * Strong communication skills * Analytical in nature * Possess stronger than average time management, organization, and multi-tasking skills * Business writing skills * Comfortable in a team environment working with deadlines Total Rewards: * Competitive health, dental & vision coverage with HSA match * 401(k) with employer match + Employee Stock Purchase Plan * Generous PTO, paid holidays & parental leave * Tuition reimbursement & performance-based bonuses * Visit our Total Rewards page to see our full list of benefits First Mid Bancshares, Inc., is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state-protected classification. #LI-POST

At First Mid, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of discretionary short-term incentives (i.e. bonus, incentives, and/or commission). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, tuition reimbursement, an Employee Stock Purchase Plan, and a 401K plan with company match. Incentives and benefits are subject to eligibility requirements. Responsible for the completion of loan credit analyses for new and existing commercial and ag loan relationships. Conduct financial statement review for loan officers, as well as comprehensive statement spreading. Responsibilities include, but are not limited to: Perform credit analyses and financial statement reviews on commercial and ag loan relationships. Create professional credit presentations that summarize borrower's financial condition and evaluate repayment capacity and collateral coverage. Make recommendations, tied to analysis, to loan officers and/or loan committee. Monitor loan requests and assign risk ratings that are based on established written lending policies and regulatory guidelines. Research industry specific information from outside sources and provide analysis. Investigate all available sources of credit and financial information, including credit bureaus, Experian Business Credit, the Risk Management Association, industry trends and other companies. Review work of analysts and provide feedback. Meet with commercial customers of the Bank on a scheduled basis in conjunction with the loan officers to foster relationships and enhance the Bank's understanding of credits. Complete credit administration tasks as assigned, including, but not limited to, annual reviews, financial covenant tracking, and borrowing base tracking. Complete required training associated with job function. Other duties and special projects as assigned. Qualifications Education/Experience: Bachelor's degree in Accounting, Finance, or Business Administration and/or commensurate banking experience in a lending or credit function. Knowledge of spreadsheet and word processing software, specifically Excel, Word, and Microsoft Office. Formal training in Microsoft Excel preferred. Skills: Detail-oriented Strong communication skills Analytical in nature Possess stronger than average time management, organization, and multi-tasking skills Business writing skills Comfortable in a team environment working with deadlines Total Rewards: Competitive health, dental & vision coverage with HSA match 401(k) with employer match + Employee Stock Purchase Plan Generous PTO, paid holidays & parental leave Tuition reimbursement & performance-based bonuses Visit our Total Rewards page to see our full list of benefits First Mid Bancshares, Inc., is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state-protected classification.

At First Mid, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of discretionary short-term incentives (i.e. bonus, incentives, and/or commission). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, tuition reimbursement, an Employee Stock Purchase Plan, and a 401K plan with company match. Incentives and benefits are subject to eligibility requirements. Responsible for the completion of loan credit analyses for new and existing commercial and ag loan relationships. Conduct financial statement review for loan officers, as well as comprehensive statement spreading. Responsibilities include, but are not limited to: Perform credit analyses and financial statement reviews on commercial and ag loan relationships. Create professional credit presentations that summarize borrower's financial condition and evaluate repayment capacity and collateral coverage. Make recommendations, tied to analysis, to loan officers and/or loan committee. Monitor loan requests and assign risk ratings that are based on established written lending policies and regulatory guidelines. Research industry specific information from outside sources and provide analysis. Investigate all available sources of credit and financial information, including credit bureaus, Experian Business Credit, the Risk Management Association, industry trends and other companies. Review work of analysts and provide feedback. Meet with commercial customers of the Bank on a scheduled basis in conjunction with the loan officers to foster relationships and enhance the Bank's understanding of credits. Complete credit administration tasks as assigned, including, but not limited to, annual reviews, financial covenant tracking, and borrowing base tracking. Complete required training associated with job function. Other duties and special projects as assigned. Qualifications Education/Experience: Bachelor's degree in Accounting, Finance, or Business Administration and/or commensurate banking experience in a lending or credit function. Knowledge of spreadsheet and word processing software, specifically Excel, Word, and Microsoft Office. Formal training in Microsoft Excel preferred. Skills: Detail-oriented Strong communication skills Analytical in nature Possess stronger than average time management, organization, and multi-tasking skills Business writing skills Comfortable in a team environment working with deadlines Total Rewards: Competitive health, dental & vision coverage with HSA match 401(k) with employer match + Employee Stock Purchase Plan Generous PTO, paid holidays & parental leave Tuition reimbursement & performance-based bonuses Visit our Total Rewards page to see our full list of benefits First Mid Bancshares, Inc., is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state-protected classification.

Schedule: Monday through Friday, 8:00AM to 5:00PM The Credit Analyst, Sr position provides high level analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships. A Senior CA will be expected to provide credit analysis support for assigned lending relationships. The position also provides mentoring and guidance to other Credit Analysts as it relates to lending guidelines, and underwriting standards. The ideal candidate works well in a team-focused setting and is comfortable balancing competing priorities in a deadline driven environment. Key Responsibilities Include Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I loans. Work proactively to ensure production is prioritized appropriately and completed in a timely manner. Specific tasks include: financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank's commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank's commercial loan policy. Participate in transaction structuring and relationship strategy meetings with management and credit partners to justify and explain information in the analysis when warranted. Analyze and prepare complex credit approval documentation in FHB's commercial loan system. The senior analyst is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system. Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines. Participate in internal credit conversations with PM's, RM's Credit Risk Managers and senior management and in external meetings with clients and prospects. Participate in or lead special projects and assignments and performs other duties assigned. The successful candidate will demonstrate consistently high level of ownership of personal performance metrics and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, extreme level of detail and follow-through, and independence within the framework of the role in assisting in achieving business goals. Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations Qualifications Include Bachelor's degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience 5 or more years of related experience in Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred Familiarity with corporate credit products and the processes used to analyze financial data Good fundamental understanding of general bank operations and the commercial lending process Strong computer skills required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel Experience with Salesforce or nCino applications is a plus Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials and significant business partners Ability to read, analyze and interpret financial reports and legal documents; performs simple to complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals About Us First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ********************* Benefit Highlights • Medical with wellness incentives, dental, and vision • HSA with company match • Maternity and parental leave • Tuition reimbursement • Mentor program • 401(k) with 6% match • More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits Follow Us Facebook X formerly Twitter LinkedIn Instagram YouTube

**Schedule:** Monday through Friday, 8:00AM to 5:00PM The Credit Analyst, Sr position provides high level analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships. A Senior CA will be expected to provide credit analysis support for assigned lending relationships. The position also provides mentoring and guidance to other Credit Analysts as it relates to lending guidelines, and underwriting standards. The ideal candidate works well in a team-focused setting and is comfortable balancing competing priorities in a deadline driven environment. **Key Responsibilities Include** + Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I loans. + Work proactively to ensure production is prioritized appropriately and completed in a timely manner. Specific tasks include: financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank's commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank's commercial loan policy. + Participate in transaction structuring and relationship strategy meetings with management and credit partners to justify and explain information in the analysis when warranted. + Analyze and prepare complex credit approval documentation in FHB's commercial loan system. The senior analyst is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system. + Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines. + Participate in internal credit conversations with PM's, RM's Credit Risk Managers and senior management and in external meetings with clients and prospects. + Participate in or lead special projects and assignments and performs other duties assigned. + The successful candidate will demonstrate consistently high level of ownership of personal performance metrics and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, extreme level of detail and follow-through, and independence within the framework of the role in assisting in achieving business goals. + Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations **Qualifications Include** + Bachelor's degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience + 5 or more years of related experience in Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred + Familiarity with corporate credit products and the processes used to analyze financial data + Good fundamental understanding of general bank operations and the commercial lending process + Strong computer skills required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel + Experience with Salesforce or nCino applications is a plus + Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials and significant business partners + Ability to read, analyze and interpret financial reports and legal documents; performs simple to complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals **About Us** First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ******************** (https://urldefense.com/v3/\_\_https:/********************/\_\_;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6\_kmPxl66\_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$) . **Benefit Highlights** - Medical with wellness incentives, dental, and vision - HSA with company match - Maternity and parental leave - Tuition reimbursement - Mentor program - 401(k) with 6% match - More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits **Follow Us** Facebook (****************************************** X formerly Twitter LinkedIn (*************************************************** Instagram YouTube (********************************************************** Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (**************************** notice from the Department of Labor.

Schedule: Monday through Friday, 8:00AM to 5:00PM The Credit Analyst, Sr position provides high level analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships. A Senior CA will be expected to provide credit analysis support for assigned lending relationships. The position also provides mentoring and guidance to other Credit Analysts as it relates to lending guidelines, and underwriting standards. The ideal candidate works well in a team-focused setting and is comfortable balancing competing priorities in a deadline driven environment. Key Responsibilities Include * Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I loans. * Work proactively to ensure production is prioritized appropriately and completed in a timely manner. Specific tasks include: financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank's commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank's commercial loan policy. * Participate in transaction structuring and relationship strategy meetings with management and credit partners to justify and explain information in the analysis when warranted. * Analyze and prepare complex credit approval documentation in FHB's commercial loan system. The senior analyst is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system. * Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines. * Participate in internal credit conversations with PM's, RM's Credit Risk Managers and senior management and in external meetings with clients and prospects. * Participate in or lead special projects and assignments and performs other duties assigned. * The successful candidate will demonstrate consistently high level of ownership of personal performance metrics and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, extreme level of detail and follow-through, and independence within the framework of the role in assisting in achieving business goals. * Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations Qualifications Include * Bachelor's degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience * 5 or more years of related experience in Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred * Familiarity with corporate credit products and the processes used to analyze financial data * Good fundamental understanding of general bank operations and the commercial lending process * Strong computer skills required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel * Experience with Salesforce or nCino applications is a plus * Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials and significant business partners * Ability to read, analyze and interpret financial reports and legal documents; performs simple to complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals About Us First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ********************* Benefit Highlights * Medical with wellness incentives, dental, and vision * HSA with company match * Maternity and parental leave * Tuition reimbursement * Mentor program * 401(k) with 6% match * More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits Follow Us Facebook X formerly Twitter LinkedIn Instagram YouTube

Who we are: Farm Credit Bank of Texas is a $40.9 billion wholesale bank that has been financing agriculture and rural America for over 100 years. Headquartered in Austin, Texas, we provide funding and services to rural lending associations in five states, and we are active in the nation's capital markets. While you may not be familiar with our name, Farm Credit Bank of Texas plays a critical role in supporting the businesses that make it possible for America to maintain access to an affordable and safe food supply, an industry which is one of the most innovative and evolving of our time. And while you help us deliver on our mission, we deliver on our commitment to you as a valued employee by providing competitive compensation, generous health and wellness benefits packages and an attractive workplace located along the bluffs of the Colorado River just minutes west of downtown Austin. We seek out top talent in their fields, whether it be technology, finance, accounting, credit, human resources, or other administrative functions, and welcome you to join us in our mission to feed the world. Position Description: We are seeking a highly skilled Analyst - Credit Operations & Services to join our team. This role monitors and coordinates the flow of information and documentation related to participation loans, ensuring accuracy, completeness, and compliance across all required processes. The analyst interprets and applies monitoring requirements for individual loans and supports compliance and documentation standards for syndicated credit facilities. Working under limited supervision, the analyst exercises sound independent judgment and know when escalation is appropriate, offering well-reasoned recommendations when issues arise. This role functions as a key contributor within a collaborative team environment, supporting colleagues and maintaining strong communication channels across the organization. The analyst follows established processes and procedures to maintain compliance with internal controls while ensuring timely, efficient handling of credit operations activities. The ideal candidate will be detail-oriented, proactive, and comfortable navigating complex credit documentation and workflow requirements. Day-to Day-Duties and Responsibilities: Collect and organize post-close loan documents for review, analysis and interpretation to input pertinent compliance, covenants or financial ration data into the data tracking system and make determinations on sufficiency when received to confirm regulatory compliance. Reviews loan agreements, credit documents, and amendments to identify and extract covenant and compliance requirements, ensuring accurate updates to covenant tracking systems to reflect current obligations and risk indicators and store in Client files for regulatory and audit requirements. Uses sound judgment to assess covenants and risk indicators and determine when further review or escalation is warranted. Monitors Shared Sites and the Compliance Inbox to review incoming legal and compliance-related documents, ensuring timely tracking and verification of adherence to covenants, legal agreements, and annual review requirements. Use independent judgment to ascertain if documents meet Credit and Compliance requirements. Responsible for identifying and communicating deficiencies, due and overdue items-including failed financial ratios-to Credit and Lending Officers, and exercising discretion to escalate issues when appropriate, along with recommended actions. Reviews loan records for compliance to ensure that all information and documents are received. Identifies overdue items and exercises judgment in determining appropriate follow-up actions or escalation. Creates, reviews and distributes compliance reports weekly, monthly and as requested. Research and requests items from, Credit Office or Lending Officer to clear overdue items. Distribute legal documents to sub-participants in a timely fashion. Create and manage portals for Associates where FCBT is lead and update relevant legal and credit documents on to site for proper dissemination. Support team members to collect and organize loan closing information for review and analysis to input pertinent loan data into a Loan Deal Sheet. Examine the loan deal sheet for accuracy and completeness. Assists in the electronic documentation delivery process for internal and external audits. Prepare documents and correspondence for reports as required. Reviews credit desk analysis forms for upcoming legal amendments, and waiver notifications. Completes special projects as assigned. Including testing new Systems of work or requesting enhancements or propose changes to procedures to better align with Business needs and compliance monitoring requirements. Skills & Requirements: Knowledge of various types of credit offerings and the procedures required for administration of related loans. Knowledge of loan administration practices, including legal document review, credit monitoring and related documentation. General knowledge of accounting/financial systems. Professional and courteous oral and written communication are required. Problem solving skills and proficiency in organizing and prioritizing work are also required. Intermediate skill level in Microsoft Office applications. Ability to communicate effectively, handle multiple concurrent tasks and learn new applications quickly. The incumbent should have a sound understanding of credit and legal terminology and work well under pressure. What You Bring to the Team: Our ideal candidate lives within a commutable distance from our office and appreciates the value of hybrid work design. It's an important role that covers many skills. This position requires: Bachelor's degree in business, Finance or a related field and two (2) years to (3) years of relevant work experience, preferably in credit administration and loan transaction processing. Experience in credit monitoring, Proven ability to critically analyze documents, problem solving skills, and follow internal controls. Why Farm Credit Bank of Texas: In addition to a competitive salary, we offer comprehensive, affordable, and competitive benefit options that are focused on health and wellness, financial security, and achieving a work-life balance: Flexible health-and-wellness benefits, including medical insurance, prescription drug coverage, dental insurance, vision care, flexible spending accounts, and more. 401(k) plan that includes immediate vesting of a generous employer match and additional employer contribution Long-term disability and life insurance Vacation leave, sick leave, and paid holidays Fertility benefit and parental leave plan Up to two days per year to volunteer in local community organizations, services, or events Ongoing professional-development opportunities Generous tuition-reimbursement program Physical fitness incentive plan Employer matching gifts program Important note: We care about your hiring process and take it seriously. A real person will review your applications, meaning response timelines may vary. The interviewing process at Farm Credit Bank of Texas may include phone calls and emails, on-site interviews, and requests for portfolios or demonstrations of work. We can't personally follow-up with each applicant, and we will do our best to create a professional, respectful, and thorough process for candidates with whom we identify as a potential fit. A/EOE/M/F/D/V #LI-Hybrid

Summary: Analyzes credit data to estimate degree of risk involved in extending credit or lending money to Mortgage Warehouse clients and supporting the Credit Analysis Department and Mortgage Warehouse Division in any and all daily activities by performing the following duties. Duties and Responsibilities include the following. Spread financial statements and perform credit analysis for potential and existing Mortgage Warehouse customers and guarantors on credit relationships of $2,500,000 and greater. Analyzes financial and collateral data to determine the general creditworthiness of the client / prospect, as well as the merits of the specific loan request. Reviews loan applications, production reports, investor reports, and related data. Prepares written analysis of the client including company background, management, financial analysis and collateral performance for the loan submission package. Identifies policy, collateral, missing document exceptions and strengths and weaknesses of the relationship. Attends customer calls and site visits of potential / existing customers, as necessary, with the Mortgage Warehouse Relationship Managers. Performs ongoing file maintenance to ensure credit information is uploaded to credit file in a timely manner. Performs covenant compliance by reviewing and interpreting financial statements, tax returns, and supporting schedules for covenant testing for Mortgage Warehouse borrowers and/or guarantors based on the loan agreement. Researches and summarizes industry information for potential and existing customers. Runs credit bureaus and background checks for potential and existing customers and guarantors to evaluate for potential credit worthiness and/or fraud. Other duties and responsibilities as assigned. Supervisory Responsibilities This job has no supervisory responsibilities. Competencies - To perform the job successfully, an individual should demonstrate the following competencies: Analytical and Problem Solving - Synthesizes complex or diverse information; Collects and researches data; Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully. Interpersonal Skills/Customer Service - Maintains confidentiality; Responds promptly to requests for service and assistance; Meets commitments. Oral and Written Communication - Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Presents numerical data effectively. Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Supports everyone's efforts to succeed. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values. Judgment - Exhibits sound and accurate judgment; Includes appropriate people in decision-making process. Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently. Professionalism - Reacts well under pressure; Treats others with respect and consideration regardless of their status or position. Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner. Adaptability - Adapts to changes in the work environment. Attendance/Punctuality and Dependability - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience Bachelor's degree (B. A.) from four-year College or university, Accounting or Finance degree preferred; minimum of three or more years of credit analysis experience; or equivalent combination of education and experience. Computer Skills To perform this job successfully, an individual should have basic knowledge of computer applications such as the Internet, Outlook, Microsoft Word and Excel. Ability to use bank-specific software. Ability to use basic office machines. Bank Culture/Customer Service Skills Promotes the Bank's culture, including the support of our Brand promise and Core Values. Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank. Physical Demands While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee is frequently required to walk and use hands to finger, handle, or feel. The employee is occasionally required to stand; reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus. Work Environment The noise level in the work environment is usually moderate. This reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank's changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion. the Bank's sole discretion. Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires further regulatory review and approval by management.