Credit analyst jobs in Akron, OH

The Middlefield Banking Company is a full service FDIC-insured commercial bank and LPL Financial brokerage headquartered in Middlefield, Ohio. We have 21 branches serving Beachwood, Chardon, Cortland, Dublin, Garrettsville, Mantua, Middlefield, Newbury, Plain City, Powell, Orwell, Solon, Sunbury, Twinsburg, Westerville, Bellefontaine, Marysville, Ada, and Kenton. The Bank also operates a Loan Production Office in Mentor, Ohio. Dating back to 1901, The Middlefield Banking Company has been a leader in delivering quality personal financial service to its communities. We are continually recognized as one of the most profitable community banks in the U.S. If you are you seeking an opportunity to learn more or have a desire to start or advance your career in the banking industry, the Middlefield Banking Company is looking for enthusiastic team members to join our team! We are currently seeking a Credit Analyst, to join our Credit Department. In this position you will be responsible for analyzing credit data in order to estimate degree of risk involved in extending credit or lending money to firms or individuals. The incumbent in this position may work independently or within a team. Responsibilities: Preparing financial statement spreads and complete/distribute Statement Spread Review Checklist. Preparing financial statement spreads and complete written financial statement analysis including evaluation of cash flow and collateral for annual review documents for presentation to Credit Manager. Facilitate the timely work flow of the documents mailbox. Facilitate the timely work flow of the borrowing base mailbox. Facilitate timely measurement of covenant compliance on credits that do not receive annual reviews. Update tickler and covenant tracking based on above activity. Ensures compliance with all Bank policies and procedures, as well as, all applicable State and Federal banking regulations. Requirements & Qualifications: A Bachelor's Degree with a concentration in accounting or finance, preferred Three (3) years of Commercial Banking experience Requires ability to work with mathematical concepts such as ratio and trend analysis Proficient in Microsoft Excel and Word Must possess organizational and time management skills Ability to work with minimal supervision Highest level of integrity and ethics Background Check and Credit Check Notice: As part of our standard hiring process, The Middlefield Banking Company conducts background checks and credit checks on all potential employees. This is done to ensure the safety and security of our workplace, as well as to assess an individual's eligibility for certain roles that require financial responsibility. Any job offer made will be contingent upon the successful completion of these checks. The Middlefield Banking Company is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, pregnancy, veteran status or any other protected characteristic as outlined by federal, state, or local laws.

The Commercial & Savings Bank (CSB) has been an independent community bank for 145 years, with 17 locations across Holmes, Medina, Stark, Tuscarawas, and Wayne counties. CSB is recognized as a top employer in our region as a nine-year winner of the NorthCoast 99 award (********************** which recognizes the 99 best employers for top talent in Northeast Ohio.This is a full-time position is based in Millersburg, Ohio. In addition to a competitive base wage, CSB offers a wide variety of employee benefits listed below. Summary: Directs and coordinates activities of the department and personnel engaged in conducting credit analysis. Assists Loan Officers and Senior Management. Develops and analyzes credit information pertaining to all loan types. Essential Functions: Essential duties and responsibilities include the following; however, other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Assigns responsibilities for investigating and verifying financial status and reputation of prospective customers applying for credit, preparing documents to substantiate findings, and approves or rejects loan applications. Design, implement, and regularly update the credit policies and procedures to align with regulatory requirements, industry standards, and risk appetite. Develops credit information and implementation of policies, and procedures for use by lending officers or committees in making lending decisions on new, renewal and extension loans; prepares spreadsheet and financial information; prepares summary to present facts concerning credit worthiness. Assures periodic reviews of all credit, loan and collateral files to ensure that information is current; updated analysis of borrowers' financial position; loan review memos. Decisions loan requests for loan officers and banking center managers who do not have high enough loan authority. Advises loan officers of any material changes in borrowers' financial status which may increase the credit risk to the Bank. Maintain control over current accounts watching for developing problems and keeping loan officers informed. Assists loan officers and others in establishing and maintaining the proper documents relating to the perfections of the Bank's lien position on loans secured by various collateral. Serves as chairperson of the Officer Loan Committee. Maintains watch list and assigns specific reviews for doubtful accounts. Performs quarterly analysis of the allowance for credit losses. Reviews monthly reports from Collection Department for accuracy. Maintains an awareness and understanding of compliance issues and regulation. Establishes credit limitations on customer accounts and handles special credit arrangements and deviations from standard terms of payment. Audits delinquent accounts considered to be uncollectible to ensure maximum efforts have been taken before assigning bad debt status to account. Monitor the performance and quality of the loan portfolio, analyze trends, and report findings to senior management and the board of directors. Regular reporting includes but is not limited to credit risk, portfolio performance, and policy adherence. Lead, mentor, and develop Credit Administration staff, fostering a culture of accountability, continuous improvement, and professional growth. Demonstrates a commitment to CSB's vision, mission, and core values and seeks to align one's behavior in such a way that gives these foundational principles the best chance at becoming a reality. Education and/or Experience: Bachelor's degree (B. A.) from four-year college or university; minimum of 10 years of related work experience and/or training; or equivalent combination of education and experience. Summary of Employee Benefits: Competitive base wage Incentive compensation and profit sharing Comprehensive benefits including medical, dental, vision, short- and long-term disability, and group life insurance - (plan and/or benefits eligibility requirements apply) Paid time off for vacation, illness, bereavement, and jury duty 401(k) with an employer match and on-site advisers Employee Assistant Program (EAP) with free access to mental health resources Comprehensive wellness program with financial incentives to promote a healthy lifestyle Training and professional development opportunities to help you reach your long-term goals Paid holidays available immediately upon hire Volunteerism opportunities to give back to our local communities The Commercial & Savings Bank is an Equal Opportunity Employer.

Sr. Credit Risk Review Analyst - Commercial LendingCleveland, OH Join our highly skilled Credit Risk Review (CRR) team as a Senior Credit Risk Review Analyst specializing in Commercial Lending. CRR's primary objective is to provide timely and independent assessments of credit exposures and credit risk, with results reported directly to senior management and the Risk Committee of the Board of Directors. In this hybrid role (3 days in-office, 2 days remote), you'll provide independent, expert assessments of Commercial credit exposures. You may also take on the responsibility of Reviewer in Charge, leading review engagements, managing reviewers, conducting portfolio analysis, and summarizing findings from credit file samples. Your deep understanding of commercial lending and credit risk practices will be crucial in providing valuable insights and recommendations to enhance our credit risk management. Responsibilities Execute Complex Reviews: Independently assess complex credit and credit-related transactions, including facility structures and underwriting processes, leveraging your expert knowledge of credit policies and procedures. Understand inherent risk and the materiality of risk for credit transactions. Validate and Ensure Accuracy: Validate scorecard risk ratings and borrower credit administration. Ensure a thorough understanding of portfolio issues, trends, and root causes to effectively manage credit portfolios. Independent Reporting & Communication: Independently complete work papers, track issues, compile supporting documentation, and follow up on exam findings with business leaders. Act as a Second Level Reviewer and effectively communicate credit risk review objectives, outcomes, and recommendations for issue remediation. Risk Analysis & Monitoring: Analyze risk in assigned credit portfolios by reviewing relevant reports and assessing trends. Provide expert analytical insights, identify risk concentrations, systemic trends, or issues, and participate in continuous monitoring for assigned portfolios. Leadership & Expertise: Oversee file review activities of other reviewers as the Reviewer in Charge for assigned business segment(s). Perform assessments of file review results and findings to determine final ratings and draft review reports. Serve as an expert resource to the team. Market Acumen: Demonstrate an expert understanding of the credit cycle and the impact of economic indicators on key driving metrics. Possess expert knowledge of how and where to leverage industry and economic research tools into the review process. Requirements Qualifications Extensive Credit Expertise: Robust credit knowledge and strong experience in Commercial credit extension and management. Experience with Complex Transactions: 10+ years of Credit Risk or Credit Underwriting experience, specifically with larger, more complex transactions in Commercial, CRE, Corporate Banking, Leveraged Lending, Middle Market, etc. Communication Skills: Strong verbal and written communication skills, with the ability to navigate and handle difficult conversations effectively with stakeholders. Banking Experience: Experience at larger banks (asset size $80B+). Deal Size Exposure: Experience with average deal sizes of $50MM. Underwriting Background: Experience in underwriting for ABL, Business Banking, Corporate Banking/Mid-Market, or Lower Mid-Market commercial segments. Benefits $125,000 to $175,000+ Full benefits package Bonus + Paid Relocation Assistance

Job Description Sr. Credit Risk Review Analyst - Commercial Lending Pittsburgh, PA $125,000 to $175,000+ Full benefits package Bonus + Paid Relocation Assistance Join our highly skilled Credit Risk Review (CRR) team as a Senior Credit Risk Review Analyst specializing in Commercial Lending. CRR's primary objective is to provide timely and independent assessments of credit exposures and credit risk, with results reported directly to senior management and the Risk Committee of the Board of Directors. In this hybrid role (3 days in-office, 2 days remote), you'll provide independent, expert assessments of Commercial credit exposures. You may also take on the responsibility of Reviewer in Charge, leading review engagements, managing reviewers, conducting portfolio analysis, and summarizing findings from credit file samples. Your deep understanding of commercial lending and credit risk practices will be crucial in providing valuable insights and recommendations to enhance our credit risk management. Responsibilities Execute Complex Reviews: Independently assess complex credit and credit-related transactions, including facility structures and underwriting processes, leveraging your expert knowledge of credit policies and procedures. Understand inherent risk and the materiality of risk for credit transactions. Validate and Ensure Accuracy: Validate scorecard risk ratings and borrower credit administration. Ensure a thorough understanding of portfolio issues, trends, and root causes to effectively manage credit portfolios. Independent Reporting & Communication: Independently complete work papers, track issues, compile supporting documentation, and follow up on exam findings with business leaders. Act as a Second Level Reviewer and effectively communicate credit risk review objectives, outcomes, and recommendations for issue remediation. Risk Analysis & Monitoring: Analyze risk in assigned credit portfolios by reviewing relevant reports and assessing trends. Provide expert analytical insights, identify risk concentrations, systemic trends, or issues, and participate in continuous monitoring for assigned portfolios. Leadership & Expertise: Oversee file review activities of other reviewers as the Reviewer in Charge for assigned business segment(s). Perform assessments of file review results and findings to determine final ratings and draft review reports. Serve as an expert resource to the team. Market Acumen: Demonstrate an expert understanding of the credit cycle and the impact of economic indicators on key driving metrics. Possess expert knowledge of how and where to leverage industry and economic research tools into the review process. Preferred Qualifications Extensive Credit Expertise: Robust credit knowledge and strong experience in Commercial credit extension and management. Experience with Complex Transactions: 10+ years of Credit Risk or Credit Underwriting experience, specifically with larger, more complex transactions in Commercial, CRE, Corporate Banking, Leveraged Lending, Middle Market, etc. Communication Skills: Strong verbal and written communication skills, with the ability to navigate and handle difficult conversations effectively with stakeholders. Banking Experience: Experience at larger banks (asset size $80B+). Deal Size Exposure: Experience with average deal sizes of $50MM. Underwriting Background: Experience in underwriting for ABL, Business Banking, Corporate Banking/Mid-Market, or Lower Mid-Market commercial segments.

The Tranzonic Companies/Hospeco Brands Group is the hub for a strategic collection of manufacturing and sales companies that lead the way in multiple categories - from personal care and protection to textiles, from cleaning products to contamination control - to empower its distributor partners into the future. Their cohesive approach promotes operational efficiency and fuels innovation, while equipping its varied businesses to tackle the toughest challenges across industrial and manufacturing, healthcare and life sciences, food service, hospitality, transportation, and many other dynamic market segments. Tranzonic's rapid growth, both organic and via acquisition, is powered by its team of driven, innovative problem-solvers and a culture of integrity and respect. Position Summary: The Senior Manager, Credit will provide strategic leadership and financial oversight for the company's credit, accounts receivable, and rebate management functions within a complex, distribution-driven business. Reporting to the Controller, this role will set the strategic vision for credit operations, ensuring disciplined risk management while enabling growth and optimizing working capital. The Senior Credit Manager will lead and mentor the Credit Manager and broader AR team, driving process improvement, data transparency, and cross-functional alignment with Sales, Pricing, and Finance. Essential Functions and Responsibilities: * Define and execute the overall credit strategy to balance business growth with prudent risk management and cash flow optimization. * Provide leadership, guidance, and development to the Credit Manager, ensuring effective execution of day-to-day operations and alignment with strategic goals. * Partner closely with the Controller to shape long-term financial objectives related to credit, collections, and rebate management. * Establish and refine enterprise credit policies, governance standards, and risk frameworks that support scalable growth. * Oversee high-level credit decisions, escalations, and key customer risk assessments in partnership with Sales leadership. * Monitor portfolio exposure and proactively identify emerging credit risks or structural inefficiencies. * Develop and deliver actionable reporting and analytics on AR aging, DSO, credit exposure, and cash flow trends for Finance and Executive Leadership. * Translate data insights into strategic recommendations that improve liquidity, strengthen controls, and inform business decisions. * Drive adoption of digital tools, automation, and dashboards to enhance transparency and performance tracking. * Provide oversight of rebate program design, ensuring alignment with pricing strategies, margin improvement goals, and financial accuracy. * Partner cross-functionally with Pricing, Sales, and Finance to evaluate rebate performance, streamline processes, and enhance profitability. * Ensure accurate calculation, accrual, and reporting of rebate liabilities and payments. * Serve as a key liaison between Finance, Sales, and Pricing to ensure cohesive customer account management, credit alignment, and dispute resolution. * Participate in strategic customer discussions to influence terms, structure deals, and resolve escalated credit or AR issues. * Champion continuous improvement initiatives to enhance efficiency, accuracy, and customer experience across credit and rebate processes. Requirements: * Bachelor's degree in Finance, Accounting, or Business required; advanced degree or certification (CBA, CCE) preferred. * 8+ years of progressive credit and AR experience, including leadership of teams and oversight of complex portfolios. * Strong analytical and financial acumen, with demonstrated success developing credit strategies and implementing process improvements. * Excellent communication and cross-functional collaboration skills, with the ability to influence at all organizational levels. * Advanced analytical, financial modeling, and reporting skills, with proficiency in ERP and BI/reporting systems (e.g., SAP, Oracle, Power BI, Tableau). * Experience managing credit policies and processes in a distribution, manufacturing, or multi-entity environment preferred. * Strong understanding of customer terms, trade credit, and rebate structures within a complex B2B setting. * Demonstrated success leading process improvement or automation initiatives that enhanced accuracy, efficiency, or visibility. * Excellent communication and collaboration skills, with the ability to build strong cross-functional relationships and influence decision-making. * High level of business acumen and strategic thinking; able to connect financial data to business outcomes.

Northeast Wisconsin Technical College is a nationally recognized and locally trusted college dedicated to advancing the success of all students and economic vitality of the communities we serve through access, high-quality education, and strategic partnerships. The community that we serve is home to people with a rich range of backgrounds and experiences. We are committed to supporting an environment where all students and employees thrive and succeed. We believe every team member enriches our organization with unique skills, perspectives, and solutions. We seek applicants who are motivated and equipped to support all students, to work effectively with colleagues from a range of backgrounds, and to build the vibrancy of our community. You belong here. See why you will love working at NWTC. Department: K12 Pathways and Rural Community Impact Reports To: Manager, K12 Pathways Travel: As needed LOCATION: Green Bay STANDARD HOURS: 37.5 hours per week. Typical hours Monday - Friday between the hours of 7:00 am - 5:00 pm; Flexibility required to include other hours, as necessary. STARTING PAY RANGE: $22.90 - $24.69 per hour * Salaries/Wages for all finalists (internal and external) will be placed within the range based upon education, experiences, current wages, and internal equity. POSITION SUMMARY Responsible for analyzing and processing district-wide dual credit applications and providing support to internal and external stakeholders for the entire dual credit process, with emphasis on programming related to Start College Now, Transcripted Credit, and Academies. ESSENTIAL FUNCTIONS * Process dual credit applications, including application tracking, course approval, prerequisite qualifications, and course enrollment on pre-established cadence, ensuring adherence to college- and Wisconsin Technical College System policies and procedures. * Maintain accurate and up-to-date records. * Use Coaching as the guiding framework for internal and external communications. * Collaborate with NWTC school district team leads on communications to K12 students and counselors related to dual credit programming. * Support the development of marketing materials for dual credit programming. * Support K12 Pathways in-person and virtual events. * Participate on project teams. * Other duties as assigned. MINIMUM QUALIFICATIONS AND WORK EXPERIENCE * Bachelor's degree in education or related field. * Minimum two years of related experience within K12 and/or higher education. * Microsoft Office Suite, learning management systems (e.g., Canvas, Google Classroom), and student information systems (e.g., Infinite Campus, Workday). An equivalent combination of education and work experience may be considered. Skills and Abilities: * Student Success: Demonstrate behaviors and actions that support student recruitment, retention, and student success initiatives. * Values: Demonstrate behaviors and action that support the College's values * Collaboration: Demonstrate behaviors and actions that create respectful environments and services for all, and the ability to work effectively across differences in background and experience. PHYSICAL DEMANDS * Extended Sitting: Ability to sit for extended periods while working on a computer or attending meetings * Mobility: Ability to move around the campus to attend meetings and events * Manual Dexterity: Proficiency in using hands and fingers to handle or operate office equipment, tools, or controls. * Visual and Auditory: Ability to read documents and communicate effectively with students and staff. * Light Lifting: Capability to lift and carry materials weighing up to 25 pounds. Reasonable Accommodations Statement To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable Accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. We strive to accommodate any individual who requires adjustments to ensure a fair and equal employment process. If you require specific accommodations during the application and/or screening process due to a disability or other reasons, please contact Talent and Culture at ************************* or ************. Northeast Wisconsin Technical College does not offer H-1B or other work authorization visa sponsorship for this position. Candidates must be legally authorized to work in the United States at the time of hire and maintain work authorization throughout the employment term. If you have questions regarding this, please contact Talent and Culture. NWTC does not discriminate on the basis of political affiliation, age, race, creed, marital status, color, religion, national origin, disability, veteran status, sex, sexual orientation, gender, genetic testing or other applicable legislated categories. Inquiries regarding the College's nondiscrimination policies may be directed to the Associate Vice President of Student Affairs at ************ or **************************.

Under the supervision of the Formula Based Lending Team Leader this position is responsible for the oversight of the Formula Based Monitoring Function. Position will track, analyze, and interpret documentation provided by borrowers as required by a Loan Agreement in support of funds advanced under a revolving line of credit. Position may also perform other related duties as determined by the Team Leader or Department Manager. Essential Duties and Responsibilities Tracks for the timely receipt of borrowing base certificates and other supporting documentation (such as Accounts Receivable and Payable Statements, Balance Sheets, Inventory Schedules), as may be required by a Loan Agreement as a condition of lending for a revolving line of credit. Reviews and analyzes borrower-provided information received to determine compliance with formula based requirements. Identifies and follows-up with the appropriate production staff those companies who have not filed required information in a timely manner to determine status. Reviews and analyzes recent and historical borrowing trends for any inconsistencies. Reviews and analyzes recent and historical collateral levels for any inconsistencies. Follows specific notification procedures for companies outside of its permissible borrowing requirements. Prepares and distributes reports of non-compliance with reporting requirements. Assures maintenance of appropriate records of work performed by Formula Based Lending staff. Offers guidance as to bank policy and industry standards to Lenders and Credit Risk Management during the underwriting process. Provides Credit Risk Management with borrower compliance information during the annual renewal process. May be assigned other duties and/or responsibilities within Secured Credit Administration, as needed. Computer Skills MS Office, including Word, Excel, Outlook, Power Point, and SharePoint. Familiarity with IBS and Capital Stream Finance Center preferred. Other Qualifications: High level of analytical ability to determine the risk involved in each transaction. Professional demeanor in appearance, interpersonal relations, work ethic and attitude. Possess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to management, bank employees and bank customers in a collaborative and solutions oriented manner. Ability to maintain confidentiality. Ability to effectively present information and respond to questions from executive management and/or groups of managers, lenders and customers. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages. Ability to apply concepts of basic algebra and geometry. Bachelor Degree in business or minimum of four years related experience and/or training in commercial lending/loan documentation; or equivalent combination of education and experience. Commercial Credit experience required. Familiarity with commercial loan legal documents. Familiarity with Balance Sheets, Accounts Receivable/Payable schedules, Inventory and Equipment schedules. General understanding of systems and procedures used in making and servicing all types of loans. Ability to read, analyze, and interpret Credit Policy and Commercial Loan Agreements.

The Commercial & Savings Bank (CSB) has been an independent community bank for 145 years, with 17 locations across Holmes, Medina, Stark, Tuscarawas, and Wayne counties. CSB is recognized as a top employer in our region as a nine-year winner of the NorthCoast 99 award (********************** which recognizes the 99 best employers for top talent in Northeast Ohio.This is a full-time position is based in Millersburg, Ohio. In addition to a competitive base wage, CSB offers a wide variety of employee benefits listed below. Summary: Directs and coordinates activities of the department and personnel engaged in conducting credit analysis. Assists Loan Officers and Senior Management. Develops and analyzes credit information pertaining to all loan types. Essential Functions: Essential duties and responsibilities include the following; however, other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Assigns responsibilities for investigating and verifying financial status and reputation of prospective customers applying for credit, preparing documents to substantiate findings, and approves or rejects loan applications. Design, implement, and regularly update the credit policies and procedures to align with regulatory requirements, industry standards, and risk appetite. Develops credit information and implementation of policies, and procedures for use by lending officers or committees in making lending decisions on new, renewal and extension loans; prepares spreadsheet and financial information; prepares summary to present facts concerning credit worthiness. Assures periodic reviews of all credit, loan and collateral files to ensure that information is current; updated analysis of borrowers' financial position; loan review memos. Decisions loan requests for loan officers and banking center managers who do not have high enough loan authority. Advises loan officers of any material changes in borrowers' financial status which may increase the credit risk to the Bank. Maintain control over current accounts watching for developing problems and keeping loan officers informed. Assists loan officers and others in establishing and maintaining the proper documents relating to the perfections of the Bank's lien position on loans secured by various collateral. Serves as chairperson of the Officer Loan Committee. Maintains watch list and assigns specific reviews for doubtful accounts. Performs quarterly analysis of the allowance for credit losses. Reviews monthly reports from Collection Department for accuracy. Maintains an awareness and understanding of compliance issues and regulation. Establishes credit limitations on customer accounts and handles special credit arrangements and deviations from standard terms of payment. Audits delinquent accounts considered to be uncollectible to ensure maximum efforts have been taken before assigning bad debt status to account. Monitor the performance and quality of the loan portfolio, analyze trends, and report findings to senior management and the board of directors. Regular reporting includes but is not limited to credit risk, portfolio performance, and policy adherence. Lead, mentor, and develop Credit Administration staff, fostering a culture of accountability, continuous improvement, and professional growth. Demonstrates a commitment to CSB's vision, mission, and core values and seeks to align one's behavior in such a way that gives these foundational principles the best chance at becoming a reality. Education and/or Experience: Bachelor's degree (B. A.) from four-year college or university; minimum of 10 years of related work experience and/or training; or equivalent combination of education and experience. Summary of Employee Benefits: Competitive base wage Incentive compensation and profit sharing Comprehensive benefits including medical, dental, vision, short- and long-term disability, and group life insurance - (plan and/or benefits eligibility requirements apply) Paid time off for vacation, illness, bereavement, and jury duty 401(k) with an employer match and on-site advisers Employee Assistant Program (EAP) with free access to mental health resources Comprehensive wellness program with financial incentives to promote a healthy lifestyle Training and professional development opportunities to help you reach your long-term goals Paid holidays available immediately upon hire Volunteerism opportunities to give back to our local communities The Commercial & Savings Bank is an Equal Opportunity Employer.

Accenture is a leading global professional services company that helps the world's leading businesses, governments and other organizations build their digital core, optimize their operations, accelerate revenue growth and enhance citizen services-creating tangible value at speed and scale. We are a talent and innovation led company with 750,000 people serving clients in more than 120 countries. We combine our strength in technology with unmatched industry experience, functional expertise and global delivery capability. We are uniquely able to deliver tangible outcomes because of our broad range of services, solutions and assets across Strategy & Consulting, Technology, Operations, Industry X and Accenture Song. These capabilities, together with our culture of shared success and commitment to creating 360° value, enable us to help our clients succeed and build trusted, lasting relationships. As of 2023, we have been recognized among Fortune's World's Most Admired Companies for 20 consecutive years. And that's just the beginning. Your career is about what you want to be and who you want to be. It's about bringing your skills, your curiosity, and your best true self to your work. Visit us at ****************** We Are: In today's world, business leaders want to rapidly and confidently reinvent to increase resilience, mitigate risk, and grow with sustainable value. That's where Accenture Strategy & Consulting comes in. We bring together strategic visionaries, industry experts, practitioners from across every enterprise function, business intelligence professionals, change specialists, data and AI authorities, and many other specialized skills to co-create each client's unique path to reinvention. You will be a trusted partner to business leaders, working with a diverse team of experts to deliver successful tech-enabled transformation and new kinds of value for your clients. Join our global network of people using the latest assets, platforms and partnerships to help bring ideas to life. Strategy & Consulting is one of five services that make up one Accenture - the others are Operations, Technology, Song and Industry X. Management Consulting professionals design and implement transformation programs that integrate strategy, technology, and operations to create enterprise value for clients. Accenture is growing our practice to help our clients navigate their transformational journeys. You Are The candidate will be a Manager within the Commercial Banking Consulting practice with a focus on Business and Technology Transformation within the wholesale lending industry. The Commercial Credit Consultant designs and implements business changes that drive industry-specific, function and digital operating model transformation, focusing on task relating to people and process. Large wholesale lenders are investing heavily in modernizing their business, technology, and data to optimize straight-through processing, enhance client and employee experience, and reduce cost of ownership. Accenture is growing our practice to help our client navigate their transformational journeys. The Commercial Credit Manager will be focused on supporting the development of our lending offerings and the delivery of transformational consulting projects. The Commercial Credit Manager will be focused on supporting the development of our offerings and the delivery of consulting projects. Responsibilities may include: + Support Commercial Credit Transformation programs - including operating model and technology implementations . + Design next generation experiences and platforms for commercial lending clients. + Manage all parts of projects, from client buy-in to planning, budgeting, and execution. + Source and coordinate work from other internal workforces. + Develop of our next generation Wholesale credit technology offerings. + Become a trusted advisor for C-suite clients looking to solve critical business problem. + Drive business development to originate new client opportunities. + Build your reputation as an industry thought leader. + + Travel, as required, up to 80%, in the United States and Canada. Here's What You Need: + Minimum of 5 years relevant professional services firm experience in technology or management consulting with broad experience in engagement management and business development + Minimum of 5 years of equivalent of commercial credit industry (sales, underwriting. closing, servicing, portfolio management) industry experience + Demonstratable experience being part of an nCino or Salesforce project delivery project or consulting engagement for commercial lending + A Bachelor's degree Bonus Points if you have: + Extensive transformation strategy or operating model design experience in commercial banking. + Launched new product offerings in the banking industry. + Demonstrated experience developing and managing relationships with senior client executives. + Successful track record of leading complex management and/or technology consulting engagements across the delivery lifecycle. + nCino or Salesforce certification(s) + Hands on experience with additional commercial lending industry platforms, e.g., Moody's, Blooma, Built + French language skills + An advanced degree or financial industry certification + Built next generation analytic capabilities (e.g., predictive, generative, or agentic AI) for commercial lending. Professional Skills + Proven ability to operate within a collaborative environment. + Demonstrated commitment, teamwork, and collaboration in a professional setting; either military or civilian. + High energy level, focus and ability to work well in demanding client environments. + Excellent communication (written and oral) and interpersonal skills. + Strong leadership, problem solving, and decision-making abilities. + Unquestionable professional integrity, credibility, and character. Compensation at Accenture varies depending on a wide array of factors, which may include but are not limited to the specific office location, role, skill set, and level of experience. As required by local law, Accenture provides a reasonable range of compensation for roles that may be hired as set forth below.We accept applications on an on-going basis and there is no fixed deadline to apply. Information on benefits is here. (************************************************************ Role Location Annual Salary Range California $94,400 to $293,800 Cleveland $87,400 to $235,000 Colorado $94,400 to $253,800 District of Columbia $100,500 to $270,300 Illinois $87,400 to $253,800 Maryland $94,400 to $253,800 Massachusetts $94,400 to $270,300 Minnesota $94,400 to $253,800 New York/New Jersey $87,400 to $293,800 Washington $100,500 to $270,300 Requesting an Accommodation Accenture is committed to providing equal employment opportunities for persons with disabilities or religious observances, including reasonable accommodation when needed. If you are hired by Accenture and require accommodation to perform the essential functions of your role, you will be asked to participate in our reasonable accommodation process. Accommodations made to facilitate the recruiting process are not a guarantee of future or continued accommodations once hired. If you would like to be considered for employment opportunities with Accenture and have accommodation needs such as for a disability or religious observance, please call us toll free at **************** or send us an email or speak with your recruiter. Equal Employment Opportunity Statement We believe that no one should be discriminated against because of their differences. All employment decisions shall be made without regard to age, race, creed, color, religion, sex, national origin, ancestry, disability status, veteran status, sexual orientation, gender identity or expression, genetic information, marital status, citizenship status or any other basis as protected by federal, state, or local law. Our rich diversity makes us more innovative, more competitive, and more creative, which helps us better serve our clients and our communities. For details, view a copy of the Accenture Equal Opportunity Statement (******************************************************************************************************************************************** Accenture is an EEO and Affirmative Action Employer of Veterans/Individuals with Disabilities. Accenture is committed to providing veteran employment opportunities to our service men and women. Other Employment Statements Applicants for employment in the US must have work authorization that does not now or in the future require sponsorship of a visa for employment authorization in the United States. Candidates who are currently employed by a client of Accenture or an affiliated Accenture business may not be eligible for consideration. Job candidates will not be obligated to disclose sealed or expunged records of conviction or arrest as part of the hiring process. Further, at Accenture a criminal conviction history is not an absolute bar to employment. The Company will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. Additionally, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the Company's legal duty to furnish information. California requires additional notifications for applicants and employees. If you are a California resident, live in or plan to work from Los Angeles County upon being hired for this position, please click here for additional important information. Please read Accenture's Recruiting and Hiring Statement for more information on how we process your data during the Recruiting and Hiring process.

We are a fast-growing, high-achieving organization that thrives on winning. We are proud to be ranked nationally in the top 10 Banks within our asset size peer group based on financial performance. If you are seeking a place where you can have enhanced visibility, add more value, and you thrive in a dynamic and growth-focused environment, you belong at CFBank. We are agile, we work with integrity, and we hustle. For over 130 years we've been serving our communities and over the past decade have become a top performer, successfully growing our business and attracting some of the best talent out there. We are a commercial bank that offers a boutique banking experience for personal banking clients. Our unique business model offers direct access to decision-makers, great technology, great products, and competitive pricing that position our teams to go into the market and win business. About the role: This opportunity is best for candidates who have an interest in building a career in commercial lending and are seeking increased exposure, visibility, and potential impact. In this role, you will be part of a high-powered Credit team, who partners closely with our commercial sales teams across all our growing markets. Our commercial banking team is encouraged to generate a wide range of relationships spanning business banking and the middle market so expect variety in your daily work! A great opportunity to maintain an expansive skillset with direct access to executive management, all while serving a wide range of needs in local business communities. What you'll do: * Responsible for underwriting and credit analysis in the areas of commercial lending, commercial real estate lending, and credit administration. * Analyze financial records including earnings, savings, payments, and purchase of the company or individual and recommend other useful financial activity for further plans. * Compare liquidity, profitability, and credit histories of individuals or companies being evaluated with similar establishments to determine risk. * Complete loan applications, including credit analyses and summaries of loan requests, and submit for approval. * Minimize bad debt risk and maximize accounts receivable collections. * Generate financial ratios, using computer programs, to evaluate customers' financial status. * Comply with internal security policies and procedures and maintain customer confidentiality at all times. * Adhere to all regulations, policies, and record-keeping requirements. Complete all required training related to bank regulations and policies. * Accept other responsibilities and projects as requested to add value for CFBank. * Spreads financial statements for Borrower and Guarantor using the credit presentation software program. * Processes covenant testing according to procedures established by the Credit area of the Bank. Report deficiencies in covenant to management and loan officer. * Assists Credit Administration in the review of real estate appraisals and evaluations as necessary prior to loan closings. * Demonstrates proficiency in independently dealing with deadlines, managing workflow, and understanding processes in a timely manner. * Participates in weekly credit committee meetings, presents loan packages to the executive board as necessary to outline strengths/weaknesses in the deal accordingly, responding to inquiries from officers and committee members' questions. * Participates in weekly sales meetings to discuss current workflow and status of credit packages. Develops an understanding of past-due loans, discussion of pending items to note for the upcoming week. What We Offer: * Excellent Benefits Package: Top benefits include dependent coverage, generous PTO, Federal Holidays, and Paid Parental Leave for those who qualify for eligibility. * Professional development opportunities including educational/training opportunities * "Accelerated" 401k Plan and Employee Match of 50% of the first 8% deferred, available your first full month of employment with a 3-year vesting * Employee Banking Promos and Direct Deposit of payroll to CFBank Account (over 90% of our employees bank with us!) * Employee Assistance Program with a wide range of free resources such as estate planning and mental wellness resources * One of the most collaborative environments you'll find, with a team of hard-working mutually invested professionals who are excited about shared success

Join the AgCredit Team: Commercial Credit Analyst About AgCredit Our mission at AgCredit is to create lifelong opportunities for our customers and employees by striving to be the premier cooperative lender and employer in our rural communities. Our core values focus on relationships, respect, integrity, service, accountability, teamwork and courage for our customers' and employees' success. As a cooperative agricultural lending institution, our commitment is to our customer-owners. Headquartered in Fostoria, OH, AgCredit serves over 7,000 member-owners in 15 lending offices throughout 18 counties across northwest and central Ohio. As part of the nationwide Farm Credit System, we are proud to return our profits back to our members through our patronage program. We hope you'll consider joining our experienced lending team as we continue to serve our customers, employees and communities. Commercial Credit Analyst - Within AgCredit Territory The Commercial Credit Analyst will analyze all forms of credit information and independently prepare a complete documented credit package for all sizes and types of credit facilities, with primary concentration on large and complex Agribusiness and Capital Markets credit facilities. Provide credit analysis and loan structure expertise support primarily to the Agribusiness lending team, develop relationships with a number of complex accounts, provide occasional functional guidance to less experienced analysts, deliver prompt and courteous customer service to internal and external customers; and various other functions relating to the daily operations of the Agribusiness and Credit Analysis Branches. Additionally, the role supports marketing efforts, promotes AgCredit's core values, and collaborates across teams to maintain secure and efficient loan servicing processes. What You'll Do: Based on the size, scope, and risk in the overall credit facility, complete the following for the Agribusiness Branch's originated and purchased loans and bonds: Analyze financial information and accurately completes historical trends, pro forma projections, debt repayment schedules, consolidations, stress testing, Probability of Default and Loss Given Default models, identification of sources and uses, loan profitability models, and any other necessary schedules, worksheets, and/or tools available to adequately support the overall credit recommendation. Prepare a loan narrative or servicing request that provides an adequate summary, as applicable, of the (i) loan request, (ii) borrower and guarantors, (iii) eligibility, (iv) financial analysis, addressing the applicable five C's of credit and highlighting credit strengths and weaknesses, (v) loan profitability analysis, and (vi) industry analysis, to support the overall credit recommendation. Present loan action requests and credit recommendations to Loan Committee on an as-needed basis in conjunction with the Agribusiness Account Officer or independently. Obtain proper delegated authority approval of credit recommendations. Ensure all documentation supporting the credit recommendation is provided to the Agribusiness Loan Coordinator in a timely manner to support execution of the loan action including, but not limited to, communication with potential loan investors, application for guarantee, and loan closing. Self-review of work to ensure Probability of Default and Loss Given Default ratings are accurate and loan structure and covenants are appropriate given the Size, Scope and Risk. Advise Agribusiness Account Officers on appropriate loan structures and recommend appropriate controls. Provide expertise to Agribusiness Account Officers to support preparation of preliminary and final term sheets. Team with Agribusiness Account Officers to meet with Agribusiness customers on an as-needed basis and provide credit analysis and loan structuring expertise. Develop relationships with customers as a point of contact and resource secondary to the servicing Agribusiness Account Officer. Study and maintain ongoing knowledge of internal and external credit practices, underwriting guidelines, loan products, and compliance standards to ensure sound and eligible credit recommendations are being completed. Utilize customer-provided financial information and reporting to develop and analyze financial trends as part of the monthly, quarterly or annual ongoing servicing of Agribusiness accounts. Collaborate with Agribusiness support staff to update loan system data related to customer financial information. Monitor Agribusiness accounts for compliance with loan covenants and other conditions of loan approval. Verify assets and debts as needed by using technology and resources available. Collaborate with the Agribusiness Loan Servicing Specialist to ensure that adequate and appropriate Loan Servicing Plans are in place and are properly updated for originated and purchased accounts. Update CRM records and completes Loan Servicing Plan tasks as appropriate. Assist Agribusiness team members in preparation of loan and bond guarantee applications. Prepare risk reports for management and the Board of Directors as needed. Study and maintain a high level of knowledge of one or more specialized industries. Complete other projects and/or research as assigned. Proactively seeks opportunities to mentor and educate Ag Credit staff. May provide training and guidance to less experienced retail analysts. Support and participate in process improvement efforts to provide exceptional customer service and loan servicing. Complete Least Cost Analyses as needed. What You'll Need: Bachelor's degree in Finance, Accounting, Economics or Business or equivalent experience. Six or more years of agricultural or commercial underwriting or related experience. Must possess sound credit judgement and differential credit skills to complete accurate and timely credit packages. Overall knowledge and desire to continually study and be fluent in AgCredit, AgFirst, and FCA credit practices, policies, and procedures, GAAP, and other general financial terms and trends in the lending industry and particular to agribusiness and commercial lending. Overall knowledge and desire to continually improve computer skills with experience with Microsoft Excel, Microsoft Word, CRM, Adobe, SharePoint and financial trending software preferred. Knowledge of appraisals, on-line verification systems, business and individual tax return analysis, standard loan facility structuring, and agricultural commodity projections. Self-starter, organized, detail-oriented, dynamic, innovative, flexible to a changing work environment, demonstrate willingness to be collaborative, possess strong written and verbal communication skills, quality and solution-focused, assertive, and decisive to arrive at sound business decisions. Knowledge of grammar, spelling, punctuation, and formats to recognize and correct correspondence and reports. Farm Credit experience preferred. May require work beyond normally scheduled hours with little or no advance notice to meet Ag Credit's overall mission, goals and objectives. Travel as deemed necessary. Benefits Offered Competitive compensation Top-rated benefits program 401k Plan with company match Tuition reimbursement, sponsored training and career development opportunities Generous paid time off with 11 holidays observed Employee Assistance Program Community Service PTO “Dress for your day” dress code Schedule Monday to Friday, 8:00am-4:30pm Why Work at AgCredit? We're not just growing-we're growing with purpose and stability. We encourage a balanced approach to work and life responsibilities. We invest in our people through continuous learning and career growth. We live and work in the communities we serve. Diversity Statement / EEO Statement We are an Equal Opportunity Employer. AgCredit strives to recruit, hire, train, and promote individuals without regard to race, color, religion, sex, national origin, age, disability, parental status, marital status, political affiliation, military service, or any other non-merit based factor. EOE including disability/veterans.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. Responsibilities: * Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities * Assists, educates, and trains clients on conducting simple transactions through self-service technologies * Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy * Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping * Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements Required Qualifications: * Minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment * In lieu of one year of sales experience, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I) or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months * Enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client * Collaborates effectively to get things done, building and nurturing strong relationships * Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives * Confident in identifying solutions for helping new and existing clients based on their needs * Strong written and verbal communications skills * Can communicate effectively and confidently and is comfortable engaging all clients (in-person and by phone) * Ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances * Applies strong critical thinking and problem-solving skills to meet clients' needs * Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously * Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws) * Must be able to work weekends and/or extended hours and travel to any financial center location within a reasonable distance Desired Qualifications: * Associate's Degree or Bachelor's Degree in business, finance or a related field * Experience working in a financial center where goals were met or exceeded * Retail and/or sales experience in a salary plus incentive environment * Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded * Experience with financial information, spreadsheets and financial skills * Knowledge of banking products and services * Strong computer skills including Microsoft applications and previous experience utilizing laptop technology Skills: * Active Listening * Business Acumen * Customer and Client Focus * Oral Communications * Problem Solving * Account Management * Client Experience Branding * Client Management * Client Solutions Advisory * Relationship Building * Business Development * Pipeline Management * Prospecting * Referral Identification * Referral Management Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40

Job Description Job Title: Accounts Receivable Analyst Department: Finance Reports to: Controller Worker category: Full-time We are seeking an experienced and proactive Accounts Receivable Analyst to oversee and improve our AR collections process across a dynamic client base of law firms and corporate legal departments. This individual will manage the full accounts receivable lifecycle-including invoicing, collections, and reconciliation-while building strong relationships with clients and internal stakeholders. The ideal candidate is analytical, solutions-oriented, and comfortable communicating directly with clients to resolve payment delays and disputes. Key Responsibilities: Client Invoicing & Payment Application Prepare and send accurate client invoices and statements (paper and electronic) in a timely manner Set up new clients and maintain billing records in NetSuite Apply and post payments (check, ACH, EFT, credit card) in NetSuite Reconcile customer transactions, daily EFTs, and credit card deposits Collections & Client Relationship Management Monitor aging reports and proactively follow up on outstanding balances Make direct collection calls and email follow-ups to reduce DSO and bad debt Resolve client disputes related to sales tax, invoice errors, and service documentation Escalate high-risk accounts to Sales or executive leadership with recommended actions Maintain clear and professional communication with attorneys, finance teams, and client procurement departments Internal Collaboration & Reporting Partner with Sales, Legal Operations, and Client Services teams to understand client nuances and invoicing requirements Track and report on COD job payments and other non-standard payment terms Prepare monthly AR and DSO reports with insights on trends, risks, and opportunities Support month-end close activities, general ledger reconciliations, and prepaid allocations Review American Express and Verisma postage accounts for reconciliation Review and process employee expense reports as needed Qualifications Skills and Competencies: Confident and professional communicator, comfortable interacting with attorneys and law firm finance teams Results-driven and persistent in follow-up, with a focus on reducing aging receivables Ability to navigate complex client billing structures (split invoices, retainer balances, third-party billing) Strong Excel skills, including pivot tables, v-lookups, and reconciliation techniques Detail-oriented with the ability to manage multiple priorities and deadlines Education and Experience: Bachelor's degree in Accounting, Finance, or Business required 3+ years of accounts receivable, collections, or client billing experience in a B2B services environment Experience with legal services, eDiscovery, or professional services clients preferred Experience with NetSuite or other ERP systems strongly preferred Work Environment and Physical Requirements: This is a remote-eligible role with the expectation of core working hours aligned to Eastern Time There may be occasional requirements to work onsite at Avalon's offices in Rochester, NY; Cleveland, OH; or New York City, depending on business needs. Prolonged periods sitting at a desk and working on a computer Frequent communication via phone, email, and virtual meetings

Established in 1991, Collabera has been a leader in IT staffing for over 22 years and is one of the largest diversity IT staffing firms in the industry. As a half a billion dollar IT company, with more than 9,000 professionals across 30+ offices, Collabera offers comprehensive, cost-effective IT staffing & IT Services. We provide services to Fortune 500 and mid-size companies to meet their talent needs with high quality IT resources through Staff Augmentation, Global Talent Management, Value Added Services through CLASS (Competency Leveraged Advanced Staffing & Solutions) Permanent Placement Services and Vendor Management Programs. Collabera recognizes true potential of human capital and provides people the right opportunities for growth and professional excellence. Collabera offers a full range of benefits to its employees including paid vacations, holidays, personal days, Medical, Dental and Vision insurance, 401K retirement savings plan, Life Insurance, Disability Insurance. Job Description Duration 7 months with possibility of contract extension Pay Rate $12.50 Responsibility: Assist Service Team with Input Accel Qualifications Minimum requirements: Outstanding Data Entry and Alphanumeric skills Proficiency in MS Office suite Additional Information To know more about the position, please contact: Laidiza Gumera ************

As an Image Review Analyst, you will be responsible for performing a detailed evaluation of Transmission, Distribution, Solar, and Substation assets based on field inspection pictures. Will also be cross-functional to assist in field inspections, laboratory testing, and engineering support as needed. Duties & Responsibilities: Reviews inspection images and performs a detailed evaluation Identifies anomalies and classifies assets Uses ArcGIS web maps Analyzes and thermally tunes infrared images. Produces metrics and statistics based on inspection results. Has a working knowledge of PLP products and transmission/distribution systems. Works closely with GIS Data Analyst and Engineers - Provides organized data and findings for engineering review. Maintains catalogs, specifications books, and engineering standards; understands the lab and product engineering filing systems to effectively retrieve technical data; reads reports, periodicals, and textbooks as required to stay current with work responsibilities. Makes prototype products using wood, metal, or plastic in combination with simple model shop equipment. Assists in the production of prototype products. Qualifications & Requirements: High school diploma with some additional technical course work or working knowledge in a technical capacity. Engineering tech degree preferred Minimum one-year experience in a technical environment preferred. Accurate data entry and organization skills. Schedule: Fulltime Standard office hours with flextime Benefits: 401(k) with a company match equal to 25% of the first 8% of pre-tax dollars contributed by the employee for the first two years Enrollment in company profit sharing after two years Medical, dental & vision insurance, including free preventative care Wellness & Employee Assistance Program (EAP) Health care flexible spending accounts, health savings accounts, & life insurance Paid time off, paid company holidays, and vacation purchase program Short & long-term disability Parental & family leave; military leave Inclusive & welcoming company culture Career development & tuition assistance Student loan debt repayment program Click here for additional information

The Commercial & Savings Bank (CSB) has been an independent community bank for 145 years, with 17 locations across Holmes, Medina, Stark, Tuscarawas, and Wayne counties. CSB is recognized as a top employer in our region as a nine-year winner of the NorthCoast 99 award (********************** which recognizes the 99 best employers for top talent in Northeast Ohio. This is a full-time position is based in Millersburg, Ohio. In addition to a competitive base wage, CSB offers a wide variety of employee benefits listed below. Summary: Directs and coordinates activities of the department and personnel engaged in conducting credit analysis. Assists Loan Officers and Senior Management. Develops and analyzes credit information pertaining to all loan types. Essential Functions: Essential duties and responsibilities include the following; however, other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. * Assigns responsibilities for investigating and verifying financial status and reputation of prospective customers applying for credit, preparing documents to substantiate findings, and approves or rejects loan applications. * Design, implement, and regularly update the credit policies and procedures to align with regulatory requirements, industry standards, and risk appetite. * Develops credit information and implementation of policies, and procedures for use by lending officers or committees in making lending decisions on new, renewal and extension loans; prepares spreadsheet and financial information; prepares summary to present facts concerning credit worthiness. * Assures periodic reviews of all credit, loan and collateral files to ensure that information is current; updated analysis of borrowers' financial position; loan review memos. * Decisions loan requests for loan officers and banking center managers who do not have high enough loan authority. * Advises loan officers of any material changes in borrowers' financial status which may increase the credit risk to the Bank. * Maintain control over current accounts watching for developing problems and keeping loan officers informed. * Assists loan officers and others in establishing and maintaining the proper documents relating to the perfections of the Bank's lien position on loans secured by various collateral. * Serves as chairperson of the Officer Loan Committee. * Maintains watch list and assigns specific reviews for doubtful accounts. * Performs quarterly analysis of the allowance for credit losses. * Reviews monthly reports from Collection Department for accuracy. * Maintains an awareness and understanding of compliance issues and regulation. * Establishes credit limitations on customer accounts and handles special credit arrangements and deviations from standard terms of payment. * Audits delinquent accounts considered to be uncollectible to ensure maximum efforts have been taken before assigning bad debt status to account. * Monitor the performance and quality of the loan portfolio, analyze trends, and report findings to senior management and the board of directors. Regular reporting includes but is not limited to credit risk, portfolio performance, and policy adherence. * Lead, mentor, and develop Credit Administration staff, fostering a culture of accountability, continuous improvement, and professional growth. * Demonstrates a commitment to CSB's vision, mission, and core values and seeks to align one's behavior in such a way that gives these foundational principles the best chance at becoming a reality. Education and/or Experience: Bachelor's degree (B. A.) from four-year college or university; minimum of 10 years of related work experience and/or training; or equivalent combination of education and experience. Summary of Employee Benefits: * Competitive base wage * Incentive compensation and profit sharing * Comprehensive benefits including medical, dental, vision, short- and long-term disability, and group life insurance - (plan and/or benefits eligibility requirements apply) * Paid time off for vacation, illness, bereavement, and jury duty * 401(k) with an employer match and on-site advisers * Employee Assistant Program (EAP) with free access to mental health resources * Comprehensive wellness program with financial incentives to promote a healthy lifestyle * Training and professional development opportunities to help you reach your long-term goals * Paid holidays available immediately upon hire * Volunteerism opportunities to give back to our local communities The Commercial & Savings Bank is an Equal Opportunity Employer.

Job DescriptionSr. Credit Risk Review Analyst - Commercial LendingCleveland, OH Join our highly skilled Credit Risk Review (CRR) team as a Senior Credit Risk Review Analyst specializing in Commercial Lending. CRR's primary objective is to provide timely and independent assessments of credit exposures and credit risk, with results reported directly to senior management and the Risk Committee of the Board of Directors. In this hybrid role (3 days in-office, 2 days remote), you'll provide independent, expert assessments of Commercial credit exposures. You may also take on the responsibility of Reviewer in Charge, leading review engagements, managing reviewers, conducting portfolio analysis, and summarizing findings from credit file samples. Your deep understanding of commercial lending and credit risk practices will be crucial in providing valuable insights and recommendations to enhance our credit risk management. Responsibilities Execute Complex Reviews: Independently assess complex credit and credit-related transactions, including facility structures and underwriting processes, leveraging your expert knowledge of credit policies and procedures. Understand inherent risk and the materiality of risk for credit transactions. Validate and Ensure Accuracy: Validate scorecard risk ratings and borrower credit administration. Ensure a thorough understanding of portfolio issues, trends, and root causes to effectively manage credit portfolios. Independent Reporting & Communication: Independently complete work papers, track issues, compile supporting documentation, and follow up on exam findings with business leaders. Act as a Second Level Reviewer and effectively communicate credit risk review objectives, outcomes, and recommendations for issue remediation. Risk Analysis & Monitoring: Analyze risk in assigned credit portfolios by reviewing relevant reports and assessing trends. Provide expert analytical insights, identify risk concentrations, systemic trends, or issues, and participate in continuous monitoring for assigned portfolios. Leadership & Expertise: Oversee file review activities of other reviewers as the Reviewer in Charge for assigned business segment(s). Perform assessments of file review results and findings to determine final ratings and draft review reports. Serve as an expert resource to the team. Market Acumen: Demonstrate an expert understanding of the credit cycle and the impact of economic indicators on key driving metrics. Possess expert knowledge of how and where to leverage industry and economic research tools into the review process. Requirements Qualifications Extensive Credit Expertise: Robust credit knowledge and strong experience in Commercial credit extension and management. Experience with Complex Transactions: 10+ years of Credit Risk or Credit Underwriting experience, specifically with larger, more complex transactions in Commercial, CRE, Corporate Banking, Leveraged Lending, Middle Market, etc. Communication Skills: Strong verbal and written communication skills, with the ability to navigate and handle difficult conversations effectively with stakeholders. Banking Experience: Experience at larger banks (asset size $80B+). Deal Size Exposure: Experience with average deal sizes of $50MM. Underwriting Background: Experience in underwriting for ABL, Business Banking, Corporate Banking/Mid-Market, or Lower Mid-Market commercial segments. Benefits $125,000 to $175,000+ Full benefits package Bonus + Paid Relocation Assistance

The Sr. Middle Market Banker is responsible for serving as a trusted business advisor to clients and providing a full breadth of banking solutions to meeting their financial objectives and needs while establishing a network of referral sources and Centers of Influence with regular calling efforts to generate new business opportunities. The Sr. Middle Market Banker is also responsible for managing a portfolio of relationships, ensuring an exceptional client experience, while appropriately managing risk, credit quality, servicing, etc. in accordance with Northwest standards and in partnership with a portfolio management team. Essential Functions Develop and expand existing commercial banking relationships Prospect actively and successfully bring in new relationships to Northwest Engage with the various product partners on a regular basis to discuss cross-selling opportunities and referrals to expand and deepen client relationships Meet or exceed budgeted goals Actively participate in community and professional networking events Develop meaningful “Centers of Influence” relationships Establish and maintain an ongoing prospect list, and a set calling and meeting schedule for prospects, existing clients, and COIs Encourage existing clients to provide ongoing referrals for all types of products and services, and clients and their employees to maintain their personal banking at Northwest Manage a commercial loan portfolio of both credit and non-credit clients Make loan presentations and recommendations to Credit, team leaders, and senior line of business managers as required Partner with credit and portfolio management to ensure annual reviews and line of credit renewals are completed on a timely basis Ensure non-credit clients have appropriate treasury management and other related commercial services, and risk ratings are appropriate As required, collect on delinquent accounts Analyze financial statements and related credit material to stay apprised of client performance and assess risk on a continuous basis in conjunction with Portfolio Management Complete loan closings in partnership with Portfolio Management & the Loan Closers Ensure all credit files include current financial statements, agency reports, etc. in partnership with Portfolio Management Participate in continued sales, product and credit training Ensure compliance with Northwest's policies and procedures, and Federal/State regulations Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency Work as part of a team Work with on-site equipment Education and Experience preferred Bachelor's Degree Business, Accounting, Finance, Economics, or Marketing 6 - 8 years of account relationship management experience 6 - 8 years of experience consistently delivering strong sales performance Comprehensive knowledge and understanding of C & I lending, loan servicing, and credit and non-credit products Strong negotiating skills in terms, loan structure, and pricing Knowledge and understanding of risk management Excellent verbal, written, and interpersonal communication skills Ability to multitask and effectively prioritize responsibilities #LI-EK1 Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.

Established in 1991, Collabera has been a leader in IT staffing for over 22 years and is one of the largest diversity IT staffing firms in the industry. As a half a billion dollar IT company, with more than 9,000 professionals across 30+ offices, Collabera offers comprehensive, cost-effective IT staffing & IT Services. We provide services to Fortune 500 and mid-size companies to meet their talent needs with high quality IT resources through Staff Augmentation, Global Talent Management, Value Added Services through CLASS (Competency Leveraged Advanced Staffing & Solutions) Permanent Placement Services and Vendor Management Programs. Collabera recognizes true potential of human capital and provides people the right opportunities for growth and professional excellence. Collabera offers a full range of benefits to its employees including paid vacations, holidays, personal days, Medical, Dental and Vision insurance, 401K retirement savings plan, Life Insurance, Disability Insurance. Job Description Duration 7 months with possibility of contract extension Pay Rate $12.50 Responsibility: Assist Service Team with Input Accel Qualifications Minimum requirements: Outstanding Data Entry and Alphanumeric skills Proficiency in MS Office suite Additional Information To know more about the position, please contact: Laidiza Gumera ************