Credit analyst jobs in Arden-Arcade, CA

We are seeking a highly skilled Senior Commercial Credit Analyst to join our team. The ideal candidate will have a strong background in financial analysis, credit risk assessment, and commercial and industrial lending. As a Senior Commercial Credit Analyst, you will be responsible for analyzing financial data, assessing creditworthiness, and making recommendations on credit limits and terms. In collaboration with Relationship and Portfolio Managers, the Senior Commercial Credit Analyst analyzes borrower financial information; prepares and presents formal written loan presentations for approval by Credit Management on new and existing loan transactions for mid-size to large companies with revenues exceeding $5 million; conducts ongoing financial analysis and credit monitoring on transactions within Bank's loan portfolio. Essential Functions Analyzes and articulates transaction risk and recommends loans for approval for new and existing commercial customers. Loan types include, but are not limited to, working capital lines of credit, asset-based lines of credit, equipment loans, and owner-occupied real estate loans. Analyzes borrower financial statements and tax returns for companies and individuals regarding net worth and cash flow and strengths/risks of loan repayment sources. Identifies and summarizes risks related to third party reports and collateral valuations. Prepares timely and concise formal, written credit recommendations with limited supervision, ensuring complete and accurate information. Analyzes industry trends and ensures compliance with current legal requirements. Monitors borrower financial performance in line with commercial loan documents; spreads financial statements ensuring resulting covenant calculations are accurate, complete, and adhere to approval conditions and loan documentation. Collaborates with Relationship Manager and Portfolio Manager to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner. Maintains close, professional communication with all bank departments, including Commercial Banking and Loan Center, and clients to ensure the timeliness of the renewal and new loan funding process. Serves as the credit analyst for multiple loan transactions at a given time at varying stages of the loan origination process. Supports Community Reinvestment Act (CRA) through business development efforts. Actively participates in community organizations. Maintains a current knowledge of bank regulations. Ensures compliance with all Federal, State and Bank policies, procedures, and regulations. Other duties as assigned. Requirements Bachelor's degree from an accredited college One to five (typically five to ten for senior analyst) years of experience in credit analysis within a banking/lending environment Knowledge of accounting, financial statement, and cash flow analysis Excellent written and verbal communication, presentation, and interpersonal skills Excellent organizational skills, with an ability to independently prioritize tasks and multi-task while completing complex transactions Excellent attention to detail Strong analytical and problem-solving skills Proficient in computers with ability to use standard or specialized computer hardware and software packages, including word processing and spreadsheets in a Windows environment Ability to consistently interact with clients under varying circumstances while maintaining a professional demeanor Effectively communicate with clients over the phone and in person Additional Comments: River City Bank is an Affirmative Action and Equal Opportunity Employer with a commitment to diversity. Individuals seeking employment at River City Bank are considered without regards to ancestry, age, color, physical or mental disability, genetic information, gender, gender identity, gender expression, marital status, medical condition, national origin, race, religion, sex, sexual orientation, protected veteran/military status or any other consideration made unlawful by federal, state or local laws. Note: River City Bank does not sponsor applicants for work visas. For CA residents please read the Notice at Collection - California before applying. NOTE: We are not currently accepting inquiries from recruiters or recruiting agencies. All applications must be submitted directly by the candidates. Salary Description $85,000 - $130,000/year

STATUS: Non-exempt, full-time, 40 hours per week DEPARTMENT: Credit Administration Job Summary and Scope of Responsibility: Lead and support the Commercial Credit Hub Analyst Team. Prepare reports and summaries to assist Credit Administration and support account officers with underwriting loan requests, covenant monitoring and portfolio management. Essential Duties & Responsibilities: With or without reasonable accommodation must be able to perform all essential job functions as described below. * Lead and support Commercial Credit Hub Analyst's team to ensure action requests are completed within policy and procedure. * Review Commercial Credit Hub Analyst's financial spreads and other loan monitoring tasks, providing guidance to ensure quality and accuracy. * Provide oversight on ongoing monitoring and reporting of compliance with loan covenants, reporting requirements, and other Policy and Bank-required tickler reports. * Provide guidance, assistance, training and development to Level I and II Analysts. * Maintain, and revise the department's spreading guidelines and procedures. * Act as liaison for the department, communicating with and providing conflict resolutions and resolving discrepancies to Credit Officers, Underwriting, and Relationship Management Teams. Minimum Qualifications to Perform Essential Functions: Knowledge, Skills and Abilities: * Ability to understand and interpret financial statements, business reports and legal documents. * Strong knowledge of business management and planning tools, including financial statements and ratios, budgets, inventory and accounts receivable turnover. * Strong knowledge of the different types of financial statements and accounting principles and guidelines to ensure proper analysis. * Detailed knowledge of UCA Cash Flow and the impact that different transactions would have on financial statements and repayment ability. * Knowledge of the most pertinent financial and industry factors that should be discussed based on different loan types and/or borrowers. * Demonstration of effective team leadership skills. * Excellent interpersonal and customer service skills. * Effective math skills, including ratios, percentages, interest and amortization. * Good judgment and problem-solving skills. * Strong attention to detail and organization skills. * Effective business writing skills. * Excellent verbal and written communication skills. * Computer proficiency, including internet browsers, and word-processing and spreadsheet applications. * Strong Microsoft Excel and PowerPoint skills. * Proficiency at speaking, reading and writing English. Experience and/or Education: * Three years Commercial credit analysis experience. * Four to seven years of commercial lending experience. * Completion of college-level accounting courses or equivalent work experience, preferred. * Bachelor's degree (Accounting, Finance, Economics, or similar field), preferred. Excellent benefits package for eligible employees and their families. Competitive salary BOE in the range of $32.73 - $45.83 Hourly. Equal Employment Opportunity Employer/Veterans/Disabled.

Job DescriptionDescription: Westamerica is among the largest commercial banks headquartered in California. We are looking for outstanding people to join our winning team. We reached our current strength because our employees, customers, and shareholders believe in the same fundamental goals. Delivering a wide variety of financial services with a superior customer service guarantee. Manages branch's commercial loan portfolio/deposits/growth. Works to achieve branch's identified profitability goals by increasing the existing Book of Business: Contacts prospect/clients to establish new bank relationships through the selling of appropriate bank products. Contacts current clients to retain and expand present bank relationships by cross-selling bank products. Directs sales activities of branch sales force: Conducts daily sales meeting. Actively sells Westamerica's bank products/services. Monitors results of sales activities as outlined in current WAB Sales Culture Booklet. Represents the bank in various civic and community activities in an effort to enhance the Bank's image and attract new business. Reviews delinquent loans and implements appropriate action to help correct situation. Requirements: Commercial Lending experience Underwriting experience EOE Westamerica Bank's Privacy Policy may be found at: *********************************

Job Description If you are passionate about delivering outstanding service and thrive in a fast-paced, dynamic environment, then we invite you to join us as a Starbucks Supervisor at SAFE Credit Union Convention Center. We are currently looking for a Starbucks Supervisor @ $22.60. Our Supervisor's highest priorities will be to support overall profitability and guest satisfaction by providing exceptional customer service while maintaining Sodexo Live!'s standards for safety, cleanliness, sanitation. Essential Responsibilities: Open availibilty Training and supervising associates in the preparation and serving of coffee and other beverages Assist with putting away food and product orders Managingcustomer service operationsduring shift, including resolving customercomplaints and ensuring customer satifaction Making sure all standards of operations and uniform policy are being followed Overseeing the department in absence of department manager Qualifications & Requirements: Previous Barista experience strongly preferred. Ability to participate in a team environment. Ability to follow written and oral direction. Ability to work under pressure and independently. What We Offer: Competitive compensation Paid Weekly Team Meal Provided Flexible and dynamic work environment Countless opportunities to grow within the company Access to ongoing training and development programs Sacramento's downtown SAFE Credit Union Convention Center reopened in the spring of 2021 after a stunning renovation and expansion. The new Convention Center offers 240,000 square feet of meetings and event space, along with a new outdoor activities plaza to take full advantage of Sacramento's ideal climate. You'll find more than 2,000 hotel rooms within walking distance of the Convention Center, and 2,000 more within just 3 miles. In fact, Sacramento opened two new hotels in 2021, and there's more exciting development on the horizon. Sodexo Live! is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, genetic information, status as a protected veteran or status as a qualified individual with a disability, or any other characteristic protected by applicable Federal, State or Local law. Job Posted by ApplicantPro

If you are passionate about delivering outstanding service and thrive in a fast-paced, dynamic environment, then we invite you to join us as a Starbucks Supervisor at SAFE Credit Union Convention Center. We are currently looking for a Starbucks Supervisor @ $22. 60. Our Supervisor's highest priorities will be to support overall profitability and guest satisfaction by providing exceptional customer service while maintaining Sodexo Live!'s standards for safety, cleanliness, sanitation. Essential Responsibilities:Open availibilty Training and supervising associates in the preparation and serving of coffee and other beverages Assist with putting away food and product orders Managingcustomer service operationsduring shift, including resolving customercomplaints and ensuring customer satifaction Making sure all standards of operations and uniform policy are being followed Overseeing the department in absence of department manager Qualifications & Requirements:Previous Barista experience strongly preferred. Ability to participate in a team environment. Ability to follow written and oral direction. Ability to work under pressure and independently. What We Offer:Competitive compensation Paid WeeklyTeam Meal ProvidedFlexible and dynamic work environment Countless opportunities to grow within the company Access to ongoing training and development programs Sacramento's downtown SAFE Credit Union Convention Center reopened in the spring of 2021 after a stunning renovation and expansion. The new Convention Center offers 240,000 square feet of meetings and event space, along with a new outdoor activities plaza to take full advantage of Sacramento's ideal climate. You'll find more than 2,000 hotel rooms within walking distance of the Convention Center, and 2,000 more within just 3 miles. In fact, Sacramento opened two new hotels in 2021, and there's more exciting development on the horizon. Sodexo Live! is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, genetic information, status as a protected veteran or status as a qualified individual with a disability, or any other characteristic protected by applicable Federal, State or Local law.

Description: Reporting to the Program Manager of Supportive Services and with independent professional responsibility, the Housing Specialist is responsible for the development of a housing relocation plan to assist Next Move program participants and other Sacramento community residents in securing appropriate housing, functions at a highly skilled level in such areas as assessment, individual counseling, group facilitation, community resource development and opportunities for program participants with regards to establishing permanent housing. This position is committed to improving the quality of services provided by seeking input from clients, employees and stakeholders to ensure service delivery and accessibility is equitable to all persons served. The Housing Specialist is a full time, non-exempt position eligible for Medical, Dental, Vision, Life Insurance; 403 (b) retirement plan; paid holidays, and Paid Time Off. This position is employed by Goodwill Industries of Sacramento Valley and Northern Nevada, Inc., through Next Move Homeless Services, Inc. ESSENTIAL DUTIES & RESPONSIBILITIES: The following reflects management's definition of essential functions for this job but does not restrict the tasks that may be assigned. Management may assign or reassign duties and responsibilities to this job at any time due to reasonable accommodation or other reasons. Keeps track of all intakes and exits to ensure that the programs are full to their capacity at all times and work closely with Maintenance Department to ensure proper living environment for the participants. Report delays in filling the vacancies to the Program Manager. Provides follow-up supportive services to shelter alumni for up to 1 year including referrals, regular contact/home visits, assists in maintaining short/long term goals, develops service plans to maintain permanent housing, provides ongoing intervention to reduce CPS involvement, act as liaison between landlord and participant experiencing housing difficulties in maintaining permanent housing. Maintains documentation of all program participant contacts (current and past) and community members. Provides statistical data for monthly, quarterly and yearly reports. Provides supportive services regarding housing opportunities and programs to participants for the duration of the program and to members of the community. Develops and maintains comprehensive lists of housing resources for use by Next Move program participants; refers program participants accordingly. Coordinates with case managers to increase access to and information regarding housing opportunities and programs. Works collaboratively with landlords, colleagues across the organization and within respective department. Performs a wide variety of individual and group life skills with program participants; develops and facilitates an array of housing based educational workshops and support groups designed to meet participant needs in regards to housing needs, tenant/landlord laws and maintaining permanent housing participants. Supports and educates program participants on issues surrounding living skills, employment, parenting, budgeting and money management, health and hygiene, and housing. Maintains housing list for distribution to community members needing assistance. Coordinates with case management in regards to individualized budgets with program participants where case management is assisting program participants in monitoring savings and expenditures. Develops and continues working relationships with landlords who are willing to rent to a high-risk population. Transports program participants as directed. Other Duties/Responsibilities: Ensures compliance with all Next Move Homeless Services and Goodwill Industries Sacramento Valley Northern Nevada policies, CARF standards, and safety and security regulations. Attends trainings and staff meetings, as required. Completes reports as directed by the Program Manager of Mental Health. Performs other duties as assigned. Requirements: QUALIFICATIONS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the minimum knowledge, skill and/or ability required. Basic Qualifications of the Role: Experience working with the homeless population and knowledge of foster youth's unique needs. Exhibit a high degree of professionalism. Must not present a direct threat to the safety and health of self, others or property. Must be able to perform essential functions of this with or without reasonable accommodation. A strong commitment to the program and the mission of the organization. Extensive experience with strengths-based case management. Ability to communicate effectively, both orally and in writing; define problems, collect data, establish facts, and draw conclusions; and effectively present information to management and/or public groups. Proven ability to represent the interests of the organization, interact effectively with a diverse population, and be comfortable building successful collaborative relationships with youth, staff and other stakeholders. High level of energy and good sense of humor with the capacity for extraordinary time and effort demands. Must possess and maintain a valid driver's license and insurable driving record. No record or disclosure of criminal conviction that indicates an ongoing tendency toward theft, violence, dishonesty, deceit, drug manufacture or sale, moral turpitude, or predatory behavior. Must provide proof of identification and eligibility to work in the United States of America. Must pass a drug and background screening. POSITIONS SUPERVISED: No positions supervised. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand, walk, sit, use hands and fingers, handle or feel objects, reach with hands and arms, climb or balance, stoop, kneel, crouch or crawl, talk or hear and taste or smell. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus. WORK ENVIRONMENT: The work environment characteristics described here are representative of what an employee may encounter while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The duties listed above are intended only as illustrations of the various types of work that may be performed. The omission of specific statements of duties does not exclude them from the position if the work is similar, related or a logical assignment to the position. The does not constitute an employment agreement between the employer and employee and is subject to change by the employer as the needs of the employer and requirements of the job change. This job description does not cover all the activities, duties or responsibilities required of this role. Duties, responsibilities and activities may change, or new ones may be assigned at any time with or without notice to accommodate the needs of the organization.

BMO is the 8th largest bank in North America and the 4th largest commercial lender with aggressive growth ambitions in the U.S. We are driven by a single purpose: to Boldly Grow the Good in business and life. Our Purpose informs our strategy, drives our ambition, and reinforces our commitments to progress: for a thriving economy, a sustainable future, and an inclusive society. The ideal candidate may bring experience as a Commercial Banking Relationship Manager combined with time spent as an Analyst or Portfolio Manager or candidates without a sales background who have served as a Portfolio Manager and has worked directly with clients and demonstrated exceptional communication skills. In the CPO role, you will have a strong partnership and collaboration with the sales team, engage in joint calling efforts, and identify, pre-screen, and develop qualified new Commercial & Industrial (C&I) opportunities in partnership with Recommenders and Credit Officers. The Credit Portfolio Officer will analyze credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment. + Negotiates loan structures and terms and conditions that align client requirements with the bank risk appetite and policies. + Assesses client repayment capacity by utilizing financial models and analytical tools to recommend appropriate loan structures and collateral requirements. + Signs off on new, renewal and extension loans within delegated authority. + Monitors portfolio to identify deteriorating credit conditions and compliance, analyses metrics, and assesses broader industry trends to spot risks and opportunities. + Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives. + Leads proposal development and delivers presentations to capture new business and expand client relationships. + Networks with industry contacts to gather competitive insights and best practices. + Develops and executes business development plans focused on enhancing client relationships and growth opportunities within the portfolio. + Builds and maintains client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners. + Structures and supports new, renewal and extension loans aligned with client needs and bank & risk policies + Conducts financial analysis and risk assessments of clients' credit information, for an assigned portfolio, to provide insights and make informed decisions + Monitors the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required. + Minimizes BMO's risk exposure by adhering to credit policies, regulatory standards, and operational guidelines. + Serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalates issues when needed. + Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships. + Identifies revenue and cross-selling opportunities to enhance portfolio growth. + Identifies share of wallet opportunities. + Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis. + Manages timely and accurate data entry into BMO's systems and leverages the data to support decision-making. + Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus. + Provides specialized consulting, analytical and technical support. + Exercises judgment to identify, diagnose, and solve problems within given rules. + Works independently and regularly handles non-routine situations. + Broader work or accountabilities may be assigned as needed. **Qualifications:** + Preferred 5 - 7 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment. + If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards. + Bachelor's degree required; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered. + Deep knowledge and technical proficiency gained through extensive education and business experience. Foundational level of proficiency: + Structuring Deals Advanced level of proficiency: + Problem Solving + Collaboration + Detail-Oriented + Customer Service + Loan Structuring + Regulatory Compliance + Portfolio Management + Credit Risk Assessment + Banking Operations + Microsoft Office Expert level of proficiency: + Financial analysis **Salary:** $88,800.00 - $165,600.00 **Pay Type:** Salaried The above represents BMO Financial Group's pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group's expected target for the first year in this position. BMO Financial Group's total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: ******************************************** **About Us** At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset. To find out more visit us at ************************** BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to ************************** and let us know the nature of your request and your contact information. Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

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 Senior 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 Senior Manager will be focused on supporting the development of our lending offerings and the delivery of transformational consulting projects. The Commercial Credit Senior M anager will be focused on supporting the development of our offerings and the delivery of consulting projects. Responsibilities may include: + Become a trusted advisor for C-suite clients looking to solve critical business problem + Define clients' business and technology strategy. + Re-imagine world-class operating models for Wholesale credit institutions. + Lead Wholesale credit systems implementation engagements (requirements, design, test, deployment, etc.). + 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. + 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 10 years relevant professional services firm experience in technology or management consulting with broad experience in engagement management and business development + Minimum of 7 years of equivalent of commercial credit industry (sales, underwriting. closing, servicing, portfolio management) industry experience + Demonstratable experience leading a complex, large-scale commercial credit transformation across operating model, technology, and data/AI workstreams + Demonstrated experience developing and managing relationships with C-suite client executives. + A Bachelor's degree Bonus Points if you have: + Launched new product offerings in the banking industry. + Implemented next generation analytic capabilities (e.g., predictive, generative, or agentic AI) for commercial lending. + E xperience with additional commercial lending industry platforms, e.g., Moody's, Blooma, Built + An advanced degree or financial industry certification 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 $132,500 to $302,400 Cleveland $122,700 to $241,900 Colorado $132,500 to $261,300 District of Columbia $141,100 to $278,200 Illinois $122,700 to $261,300 Maryland $132,500 to $261,300 Massachusetts $132,500 to $278,200 Minnesota $132,500 to $261,300 New York/New Jersey $122,700 to $302,400 Washington $141,100 to $278,200 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.

A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. In order to be the best, we hire the best! Benefits Offered by CoBank: Careers with a purpose Time-Off Packages, 15 days of vacation, 10 paid sick days and 11 paid holidays Competitive Compensation & Incentive Hybrid work model: flexible arrangements for most positions Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance Robust associate training and development with CoBank University Tuition reimbursement for higher education up to $10k per year Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution Associate Resource Groups: creating a culture of respect and inclusion Recognize a fellow associate through our GEM awards Job Description Takes leadership role in analyzing and developing credit-structuring alternatives within all Digital Infrastructure (DI) verticals including regional, large corporate/syndicated/sponsor and data center/tower/project finance including businesses owned by Financial Sponsors and other non-traditional investors. Independently leads the underwriting and portfolio management responsibilities across all DI verticals while providing credit leadership to guide the work of credit analysts and portfolio managers, while interfacing with relationship management, capital markets and division leadership staff. Reviews and approves credit actions across credit team based on delegated authorities. Key contributor to the achievement of volume, fee income, credit quality and overall profitability goals through interactions with relationship management, portfolio management, capital markets, leadership staff, direct customers and financial sponsors. Essential Functions Provides leadership on negotiation strategies, due diligence and credit evaluation while being responsible for complete credit package and managing appropriate resources to meet internal and external guidelines. Provides appropriate technical, industry and functional knowledge to credit, relationship management, portfolio management, capital markets and leadership staff, including leading communications/meetings, direct interface with clients and leading overall credit process across all DI verticals and most complex debt arrangements including project finance structures. Helps relationship management lead negotiations concerning the presentation and development of complex credit arrangements. Takes a leadership role in managing credit administration, account servicing, approval, loan closing, documentation, and monitoring. Reviews audits, interim statements, projections, and other pertinent financial information to provide expert analysis of financial trends. Acquires information from published industry reports, trade groups, customer meetings, journals, and other external sources to supplement and enhance the analysis of information provided by the borrower, agent bank and/or sponsor. Identifies strengths and weaknesses of the borrower, lending structure and evaluates specific risks to the bank. Independently analyzes and determines validity of customer/sponsor business plans based on an assessment of the industry outlook, competition, technology, management, and capital structure. Determines appropriateness and approach to sensitivity analysis, to provide alternative views on key risks associated with the proposed transaction. Provides estimates of company and/or collateral value with thorough market analysis, discounted cash flow and other methods depending on industry sector. Actively and independently monitors credit quality of high profile and complex accounts across a portfolio that spans all DI verticals. Takes pro-active approach with customer interaction, compliance reporting, research and evaluation to identify emerging trends/concerns and communicates trends and credit view with Relationship Management, Portfolio Management, Capital Markets and credit leadership. Ability to establish, lead and maintain direct communication with borrower and sponsors to execute deal process, portfolio management requirements and meet compressed internal and external deadlines. Leads interaction with Credit Approvals, Asset Review and other 3rd parties to support, defend and gain consensus on underwriting and portfolio management approaches on high-profile transactions across all DI verticals. Authors and presents research and analysis on specific industry sectors as part of DI's Center of Excellence in coordination with CoBank's Knowledge Exchange Division. Collaborates and provides guidance on enterprise valuation multiples published as part of COE and used as guidance in underwriting/portfolio management risk analysis which can ultimately lead to Probability of Default and Loss Given Default conclusions which can impact hold levels and syndication capabilities. Assists with internal research and portfolio analysis and prepares and delivers presentations on topics as assigned. Provides first level advice/assistance on procedures and work methods for others. Provides mentoring to credit and relationship management staff. Maintains expertise in leveraged lending, project finance type transactions and in all DI market sectors. Keeps abreast of industry trends and competitive environment. Identifies areas for improvement in templates, spreadsheets, programs, systems, and procedures used in credit origination process. Proposes possible solutions to problems. Approves or recommends credits for approval based on research and analysis completed by credit officers. Reviews and approves credit actions across credit team based on delegated authorities. Volunteers and serves on cross-functional teams related to improvement and efficiency initiatives and other bank wide goals and projects. Education Bachelor's Degree required Work Experience 8 years of credit experience in banking industry required 2 years experience in digital infrastructure preferred Experience in digital infrastructure may be substituted with relevant experience in leveraged finance role, sponsor finance, or project finance Physical Exertion Details Sedentary Exerting up to 10 pounds of force occasionally (Occasionally: activity or condition exists up to 1/3 of the time) and/or a negligible amount of force frequently (Frequently: activity or condition exists from 1/3 to 2/3 of the time) to lift, carry, push, pull, or otherwise move objects, including the human body. Sedentary work involves sitting most of the time, but may involve walking or standing for brief periods of time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met. Travel Requirement Details Occasional Travel occurs infrequently (typically, once a month or less). About CoBank The typical base pay range for this role is between $119,200 - $146,640. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance. The listed salary, other compensation and benefits information is accurate as of the date of this posting. This job will be posted for a minimum of five (5) business days or until the position is filled. CoBank reserves the right to adjust compensation for all positions and to modify or discontinue benefits programs at any time in its sole discretion, subject to applicable law. CoBank is a cooperative bank serving vital industries across rural America. The bank provides loans, leases, export financing and other financial services to agribusinesses and rural power, water and communications providers in all 50 states. The bank also provides wholesale loans and other financial services to affiliated Farm Credit associations serving more than 76,000 farmers, ranchers and other rural borrowers in 23 states around the country. CoBank is a member of the Farm Credit System, a nationwide network of banks and retail lending associations chartered to support the borrowing needs of U.S. agriculture, rural infrastructure and rural communities. Headquartered outside Denver, Colorado, CoBank serves customers from regional banking centers across the U.S. and also maintains an international representative office in Singapore. REASONABLE ACCOMMODATION We are committed to ensuring that our online application process provides an equal employment opportunity to all applicants, including qualified individuals with disabilities. If you are an applicant with a disability, or are assisting an applicant with a disability, and require accessibility assistance or would like to request a reasonable accommodation for any aspect of the application process, including completing an application, interviewing, or otherwise participating in the employee selection process, please submit a request by emailing *********************. Include your contact information and specific details about your requested accommodation. 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. CoBank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, or status as a protected veteran. We can recommend jobs specifically for you! Click here to get started.

We have a great client that is hiring a Senior Credit Administrator for their established and growing distribution company, based in Sacramento. The role involves leading credit and collections processes and managing relationships with customers and vendors. This position requires a minimum of 5 years' experience in credit and accounts receivable. For immediate consideration, please contact Shantel Poole directly via LinkedIn or call 916-649-0832. Responsibilities: - Evaluate the financial status of potential clients to determine the risk level involved in extending credit. - Analyze credit data and financial statements to assess risk and propose changes in credit policies or procedures to mitigate potential losses. - Monitor and interpret accounts receivable, vendor management, and aging reports. - Manage the Accounts Receivable portfolio, ensuring proper credit balances are maintained. - Lead periodic credit reviews and establish credit limits for customers. - Handle B2B collections and oversee billing functions. - Ensure accurate accounting functions are performed and maintained. - Monitor cash activity and handle cash applications efficiently. - Resolve customer inquiries and process customer credit applications efficiently. Requirements - Demonstrated experience in B2B collections - Proficiency in accounting functions - Extensive knowledge of Accounts Receivable (AR) - Experience in billing functions - Familiarity with cash activity procedures - Proficiency in cash applications - Strong leadership skills to supervise and manage a team - Excellent communication and interpersonal skills - Ability to multitask and prioritize work effectively - Detail-oriented with strong analytical skills - Proficiency in using accounting software Robert Half is the world's first and largest specialized talent solutions firm that connects highly qualified job seekers to opportunities at great companies. We offer contract, temporary and permanent placement solutions for finance and accounting, technology, marketing and creative, legal, and administrative and customer support roles. Robert Half works to put you in the best position to succeed. We provide access to top jobs, competitive compensation and benefits, and free online training. Stay on top of every opportunity - whenever you choose - even on the go. Download the Robert Half app (https://www.roberthalf.com/us/en/mobile-app) and get 1-tap apply, notifications of AI-matched jobs, and much more. All applicants applying for U.S. job openings must be legally authorized to work in the United States. Benefits are available to contract/temporary professionals, including medical, vision, dental, and life and disability insurance. Hired contract/temporary professionals are also eligible to enroll in our company 401(k) plan. Visit roberthalf.gobenefits.net for more information. © 2025 Robert Half. An Equal Opportunity Employer. M/F/Disability/Veterans. By clicking "Apply Now," you're agreeing to Robert Half's Terms of Use (https://www.roberthalf.com/us/en/terms) .

Become part of the excitement. As a Credit Manager, you will support profit center sales and profitability initiatives through the extension of customer credit and management of accounts receivable portfolios. In this role you will: Establish creditworthiness of new and existing customers, authorize and monitor credit limits Manage accounts receivable portfolio of assigned profit centers Protect and enhance profit center profitability Establish and maintain customer relationships in support of both sales and credit management initiatives What you bring to the table: Corporate finance, accounting, and/or financial reporting knowledge Analytical and decision making skills Communication, collaboration, and negotiation skills 3+ years experience required 4 year degree; major in Finance preferred Ability to travel Shift and Hours: Monday - Friday, standard business hours, in office Compensation Details: The expected starting rate of pay for this position is starting at $85,000 annually, depending on experience. This position is also incentive eligible, based on specific and relevant business metrics. Graybar considers qualified applicants regardless of criminal histories, consistent with applicable laws, including the Los Angeles Fair Chance Ordinance for Employers and the California Fair Chance Act. The Value of Graybar: At Graybar, we are known for our comprehensive benefits and our employee stock ownership plan! Most regular, full-time employees at Graybar may be eligible for a variety of benefits like: Multiple plan options for Medical, Dental, Vision, and Prescription Drug benefits. Life Insurance coverage for you and options for your family. Save on expenses with Flexible Spending Accounts. Enjoy our Disability Benefits at no cost to you. Share in our success with Profit Sharing Plans. 401(k) Savings Plan with company match to help secure your future. Paid Vacation & Sick Days to spend time away from work or in case of an illness. Rest and recharge during our Paid Holidays throughout the year. Take advantage of our Paid Wellness Day to focus on preventive care and prioritize your health. Volunteer with Community Time Off to give back to the community. Predictable Work Schedules to plan your life: no weekends or nights for most roles. Celebrate your and others' achievements with our Employee Recognition Program. Reach your career goals with our Educational Reimbursement and Career Development Programs. And More Perks that support your well-being and career growth. Benefit eligibility may vary across locations and roles, so be sure to check in with your recruiter for more information. Why should you join Graybar? At Graybar, our employees are the heart and soul of our company. We believe that employees with diverse perspectives bring the ideas and innovative thinking we need to solve our biggest challenges and compete in an ever-changing world. Consistent with our values, we welcome people from all backgrounds, cultures and experiences into our company because we believe it's the right thing to do and the right way to run our business. We want each of our employees to know that they matter and to feel a sense of belonging, ownership and inclusion at Graybar. We believe that everyone should be treated with dignity and respect, and we work to build a collaborative environment where our employees have the opportunity to grow, learn and make a difference, both as individuals and as part of the team. That's what our employee ownership culture is all about: working as one team and moving forward together, while honoring the unique value each person brings to our company. Apply now and find out what's next for you. Equal Opportunity Employer/Vet/Disabled Not the right fit? Let us know you're interested in a future opportunity by clicking Introduce Yourself in the top-right corner of the page or create an account to set up email alerts as new job postings become available that meet your interest!

McKesson is an impact-driven, Fortune 10 company that touches virtually every aspect of healthcare. We are known for delivering insights, products, and services that make quality care more accessible and affordable. Here, we focus on the health, happiness, and well-being of you and those we serve - we care. What you do at McKesson matters. We foster a culture where you can grow, make an impact, and are empowered to bring new ideas. Together, we thrive as we shape the future of health for patients, our communities, and our people. If you want to be part of tomorrow's health today, we want to hear from you. McKesson is an impact-driven, Fortune 10 company that touches virtually every aspect of healthcare. We are known for delivering insights, products, and services that make quality care more accessible and affordable. Here, we focus on the health, happiness, and well-being of you and those we serve - we care. What you do at McKesson matters. We foster a culture where you can grow, make an impact, and are empowered to bring new ideas. Together, we thrive as we shape the future of health for patients, our communities, and our people. If you want to be part of tomorrow's health today, we want to hear from you. The Senior Credit & Collections Specialist plays a critical role in managing and resolving complex and delinquent customer accounts. This position requires strong analytical skills, sound judgment, and the ability to navigate challenging situations with professionalism and initiative. The specialist will serve as a key liaison between customers, internal departments, and leadership to ensure timely resolution of payment issues and to implement strategies that maintain account health. Key Responsibilities: Account Management & Resolution Analyze and manage complex and high-value delinquent accounts. Communicate directly with customers to resolve payment discrepancies and negotiate payment plans. Make daily decisions regarding order holds or releases based on credit limits and payment status. Identify and escalate potential write-offs to management Internal Collaboration Partner with Sales and other internal stakeholders to resolve account issues and align on customer strategies. Communicate negotiated resolutions and obtain necessary approvals from internal teams. Provide regular updates and progress reports to leadership. Customer Engagement Engage with customers to present tailored solutions addressing cash flow challenges. Propose and escalate alternative payment options when necessary. Maintain a professional and diplomatic approach in all customer interactions. Strategic Support Support strategic customers and expand market segments. Provide insights and trends to Sales and other stakeholders to inform business decisions. Develop and implement strategies to ensure accounts remain current post-resolution. Mentorship & Best Practices Train and mentor new team members. Share expertise and promote best practices across the team Minimum Requirements: Typically requires 5+ years of related experience Exceptional communication and negotiation skills Proficiency with MS Office products including Word, Excel, PowerPoint, Outlook, Teams, etc. Preferred Skills & Qualifications: Experience in corporate credit and collections Strong understanding of finance principles and practices Strong customer service skills Ability to multitask across various systems while meeting deadlines Prior negotiation experience We are proud to offer a competitive compensation package at McKesson as part of our Total Rewards. This is determined by several factors, including performance, experience and skills, equity, regular job market evaluations, and geographical markets. The pay range shown below is aligned with McKesson's pay philosophy, and pay will always be compliant with any applicable regulations. In addition to base pay, other compensation, such as an annual bonus or long-term incentive opportunities may be offered. For more information regarding benefits at McKesson, please click here. Our Base Pay Range for this position $23.00 - $38.34 McKesson is an Equal Opportunity Employer McKesson provides equal employment opportunities to applicants and employees and is committed to a diverse and inclusive environment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability, age or genetic information. For additional information on McKesson's full Equal Employment Opportunity policies, visit our Equal Employment Opportunity page. Join us at McKesson!

Why Wells Fargo: Are you looking for more? Find it here. At Wells Fargo, we're more than a financial services leader - we're a global trailblazer committed to driving innovation, empowering communities, and helping our customers succeed. We believe that a meaningful career is much more than just a job - it's about finding all of the elements to help you thrive, in one place. Living the Well Life means you're supported in life, not just work. It means having robust benefits, competitive compensation, and programs designed to help you find work-life balance and well-being. You'll be rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. And we're recognized for it - Wells Fargo once again ranked in the top three - making us the #1 financial services employer - on the 2025 LinkedIn Top Companies list of best workplaces “to grow your career” in the U.S. Join us! About this role: Wells Fargo is seeking a Senior Branch Premier Banker (SAFE) in Consumer and Small Business Banking, as part of Branch Banking. Learn more about the career areas and business divisions at wellsfargojobs.com. Upon required licensing and SAFE registration, the Senior Branch Premier Banker LP (SAFE) employee will transition to the Senior Branch Premier Banker (SAFE) role. The following job profile is intended to provide a general sense of what Senior Branch Premier Bankers do; however, the day-to-day duties and responsibilities will differ from branch to branch and even banker to banker depending on several variables, including (but not limited to) years of experience, complement of clients serviced, banking services and options of various clients, and client needs. In this role you will: Employees who are not fully licensed at the time of hire will participate in the Branch Banking Licensed Banker licensing program as a Senior Branch Premier Banker LP (SAFE). This is a temporary position until employee has successfully completed licensing requirements. Upon successful completion, employees will transition to the Senior Branch Premier Banker (SAFE) role and perform the following duties: Proactively acquire new affluent consumer and small business customers, and deepen existing relationships, through outreach and pre-planned appointments Review and analyze moderately complex customer concerns for possible resolution though discretionary application of applicable resolution protocols Escalate banking related issues or business risks that require an in-depth evaluation Advise customers on various aspects of recommended and available financial options and services Maintain deep knowledge and understanding of Wells Fargo's banking, credit and investment financial solutions and services Identify client needs and goals for business, mortgage, retirement, and investment services, then partner closely with peers in Business Banking Advisory Services, Mortgage and Wealth and Investment Management to best meet the previously identified needs and goals, consistent with clients' overall financial circumstances and goals Understand and manage risks in the business by adhering to policies, procedures and controls and ensuring compliance with applicable laws, rules, and regulations Collect information directly from customers regarding income, assets, investments, and credit; analyze information to develop customized plans identifying Wells Fargo's banking options and services that will best meet customers' financial needs and goals Build relationships with branch colleagues, affluent customers, and partners to acquire, deepen, and retain relationships, and to also help customers succeed financially Exercise independent judgement and discretion in managing client relationships through regular meetings to review financial condition and goals, provide advice regarding banking services and options to meet changing circumstances Be an active member of the branch team, including providing guidance to other branch employees on developing relationships and managing moderately complex to complex client needs This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the SAFE. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below Required Qualifications: 4+ years of customer service experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education 3+ years of experience building and maintaining effective relationships with customers and partners 3+ years of experience recommending products and services Desired Qualifications: Financial services industry experience in one or a combination of the following: corporate, consumer, mortgage, investments, brokerage, or private banking Experience recommending financial services products and services Successfully completed FINRA Series 6 and 63 exams (or recognized FINRA equivalents) to qualify for immediate registration State Insurance license(s) 3+ years of experience in a licensed financial services position Customer service focus with experience handling complex transactions across multiple systems Proficient with proactively sourcing, acquiring, building, and maintaining relationships with customers and colleagues Excellent verbal, written, and interpersonal communication skills Knowledge and understanding of book of business processes to actively manage a group of Wells Fargo customers to meet their needs and grow the business Knowledge and understanding of Branch Banking compliance controls, risk management, and loss prevention Ability to follow policies, procedures, and regulations Ability to educate and connect customers to technology and share the value of self-service digital banking options Experience using strong business acumen to provide financial services consultation to small business customers Knowledge and understanding of financial services consumer lending products Ability to interact with integrity and professionalism with customers and employees High motivation with ability to successfully meet team objectives while maintaining individual performance Experience mentoring and peer-coaching others Job Expectations: Ability to work a schedule that may include most Saturdays Adherence to Wells Fargo sales practices risk management culture Current registration for FINRA Series 6 and Series 63 (or FINRA recognized equivalents) is required for this role or must be completed within a specified period. For specific FINRA qualification exams obtained after 9/30/2018, the Securities Industry Essentials (SIE) exam co-requisite will be required For the following states where hired, FINRA Series 65 (or equivalent) will also be required to be completed within a specified period: AK, AL, CT, DE, HI, IA, ID, IN, KS, MD, MI, MN, MS, MT, NC, ND, NE, NM, OR, SC, SD, TN, TX, UT, VA, WA, WI, and WY. The State of WY permits referral-only licensed bankers to receive the IAR registration without completing the Series 65/66 exam requirement. This list of states is subject to change and Series 65 (or equivalent) licensing requirement would be based on current state requirements during employment State Insurance license(s) are required for this role and must be completed within a specified period Licensing requirements and expected completion timeline determined by the number of licenses needed) will be communicated to the candidate upon offer acceptance Obtaining and/or maintaining appropriate Financial Industry Regulatory Authority (FINRA) license(s) is required for ongoing employment in this position. Additional requirements include meeting enhanced financial fitness and criminal background standards. Wells Fargo will initiate the FINRA review process at the time of offer acceptance. This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) website (************************************************* provides the MU4R questions and registration required for employment in this position Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness, and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness; however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary This position is not eligible for Visa sponsorship Pay Range Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates. $37.00 - $65.50 Benefits Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees. Health benefits 401(k) Plan Paid time off Disability benefits Life insurance, critical illness insurance, and accident insurance Parental leave Critical caregiving leave Discounts and savings Commuter benefits Tuition reimbursement Scholarships for dependent children Adoption reimbursement Posting End Date: 17 Dec 2025 * Job posting may come down early due to volume of applicants. We Value Equal Opportunity Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements. Applicants with Disabilities To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo. Drug and Alcohol Policy Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more. Wells Fargo Recruitment and Hiring Requirements: a. Third-Party recordings are prohibited unless authorized by Wells Fargo. b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Why Wells Fargo:** Are you looking for more? Find it here. At Wells Fargo, we're more than a financial services leader - we're a global trailblazer committed to driving innovation, empowering communities, and helping our customers succeed. We believe that a meaningful career is much more than just a job - it's about finding all of the elements to help you thrive, in one place. Living the Well Life (********************************************* means you're supported in life, not just work. It means having robust benefits, competitive compensation, and programs designed to help you find work-life balance and well-being. You'll be rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. And we're recognized for it - Wells Fargo once again ranked in the top three - making us the #1 financial services employer - on the 2025 LinkedIn Top Companies list of best workplaces "to grow your career" in the U.S. Join us! **About this role:** Wells Fargo is seeking a Senior Branch Premier Banker (SAFE) in Consumer and Small Business Banking, as part of Branch Banking. Learn more about the career areas and business divisions at wellsfargojobs.com (********************************************* . Upon required licensing and SAFE registration, the Senior Branch Premier Banker LP (SAFE) employee will transition to the Senior Branch Premier Banker (SAFE) role. The following job profile is intended to provide a general sense of what Senior Branch Premier Bankers do; however, the day-to-day duties and responsibilities will differ from branch to branch and even banker to banker depending on several variables, including (but not limited to) years of experience, complement of clients serviced, banking services and options of various clients, and client needs. **In this role you will:** + Employees who are not fully licensed at the time of hire will participate in the Branch Banking Licensed Banker licensing program as a Senior Branch Premier Banker LP (SAFE). This is a temporary position until employee has successfully completed licensing requirements. Upon successful completion, employees will transition to the Senior Branch Premier Banker (SAFE) role and perform the following duties: + Proactively acquire new affluent consumer and small business customers, and deepen existing relationships, through outreach and pre-planned appointments + Review and analyze moderately complex customer concerns for possible resolution though discretionary application of applicable resolution protocols + Escalate banking related issues or business risks that require an in-depth evaluation + Advise customers on various aspects of recommended and available financial options and services + Maintain deep knowledge and understanding of Wells Fargo's banking, credit and investment financial solutions and services + Identify client needs and goals for business, mortgage, retirement, and investment services, then partner closely with peers in Business Banking Advisory Services, Mortgage and Wealth and Investment Management to best meet the previously identified needs and goals, consistent with clients' overall financial circumstances and goals + Understand and manage risks in the business by adhering to policies, procedures and controls and ensuring compliance with applicable laws, rules, and regulations + Collect information directly from customers regarding income, assets, investments, and credit; analyze information to develop customized plans identifying Wells Fargo's banking options and services that will best meet customers' financial needs and goals + Build relationships with branch colleagues, affluent customers, and partners to acquire, deepen, and retain relationships, and to also help customers succeed financially + Exercise independent judgement and discretion in managing client relationships through regular meetings to review financial condition and goals, provide advice regarding banking services and options to meet changing circumstances + Be an active member of the branch team, including providing guidance to other branch employees on developing relationships and managing moderately complex to complex client needs + This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the SAFE. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below **Required Qualifications:** + 4+ years of customer service experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education + 3+ years of experience building and maintaining effective relationships with customers and partners + 3+ years of experience recommending products and services **Desired Qualifications:** + Financial services industry experience in one or a combination of the following: corporate, consumer, mortgage, investments, brokerage, or private banking + Experience recommending financial services products and services + Successfully completed FINRA Series 6 and 63 exams (or recognized FINRA equivalents) to qualify for immediate registration + State Insurance license(s) + 3+ years of experience in a licensed financial services position + Customer service focus with experience handling complex transactions across multiple systems + Proficient with proactively sourcing, acquiring, building, and maintaining relationships with customers and colleagues + Excellent verbal, written, and interpersonal communication skills + Knowledge and understanding of book of business processes to actively manage a group of Wells Fargo customers to meet their needs and grow the business + Knowledge and understanding of Branch Banking compliance controls, risk management, and loss prevention + Ability to follow policies, procedures, and regulations + Ability to educate and connect customers to technology and share the value of self-service digital banking options + Experience using strong business acumen to provide financial services consultation to small business customers + Knowledge and understanding of financial services consumer lending products + Ability to interact with integrity and professionalism with customers and employees + High motivation with ability to successfully meet team objectives while maintaining individual performance + Experience mentoring and peer-coaching others **Job Expectations:** + Ability to work a schedule that may include most Saturdays + Adherence to Wells Fargo sales practices risk management culture + Current registration for FINRA Series 6 and Series 63 (or FINRA recognized equivalents) is required for this role or must be completed within a specified period. For specific FINRA qualification exams obtained after 9/30/2018, the Securities Industry Essentials (SIE) exam co-requisite will be required + For the following states where hired, FINRA Series 65 (or equivalent) will also be required to be completed within a specified period: AK, AL, CT, DE, HI, IA, ID, IN, KS, MD, MI, MN, MS, MT, NC, ND, NE, NM, OR, SC, SD, TN, TX, UT, VA, WA, WI, and WY. The State of WY permits referral-only licensed bankers to receive the IAR registration without completing the Series 65/66 exam requirement. This list of states is subject to change and Series 65 (or equivalent) licensing requirement would be based on current state requirements during employment + State Insurance license(s) are required for this role and must be completed within a specified period + Licensing requirements and expected completion timeline determined by the number of licenses needed) will be communicated to the candidate upon offer acceptance + Obtaining and/or maintaining appropriate Financial Industry Regulatory Authority (FINRA) license(s) is required for ongoing employment in this position. Additional requirements include meeting enhanced financial fitness and criminal background standards. Wells Fargo will initiate the FINRA review process at the time of offer acceptance. This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) website (************************************************* provides the MU4R questions and registration required for employment in this position + Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness, and criminal background standards. + A current credit report will be used to assess your financial responsibility and credit fitness; however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary + This position is not eligible for Visa sponsorship **Pay Range** Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates. $37.00 - $65.50 **Benefits** Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs (*************************************************************** for an overview of the following benefit plans and programs offered to employees. + Health benefits + 401(k) Plan + Paid time off + Disability benefits + Life insurance, critical illness insurance, and accident insurance + Parental leave + Critical caregiving leave + Discounts and savings + Commuter benefits + Tuition reimbursement + Scholarships for dependent children + Adoption reimbursement **Posting End Date:** 17 Dec 2025 ***** **_Job posting may come down early due to volume of applicants._** **We Value Equal Opportunity** Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements. **Applicants with Disabilities** To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (****************************************************************** . **Drug and Alcohol Policy** Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (********************************************************************** to learn more. **Wells Fargo Recruitment and Hiring Requirements:** a. Third-Party recordings are prohibited unless authorized by Wells Fargo. b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process. **Req Number:** R-508983

AP/AR Analyst About the Role The AP/AR Analyst is responsible for managing the company's daily accounts payable and accounts receivable activities. This role ensures accurate, timely processing of invoices, payments, customer billing, and collections. It supports healthy cash flow, strong vendor and customer relationships, and reliable financial reporting. This position works closely with Finance, Sales, Operations, and external partners to maintain clean, organized financial records and resolve issues quickly. Key Responsibilities Accounts Payable (AP) Process vendor invoices, ensuring three-way match accuracy (PO, receipt, invoice). Prepare and schedule vendor payments (ACH, checks, wires). Reconcile vendor statements and resolve discrepancies. Maintain vendor records and monitor credit terms. Support month-end accruals and expense coding. Accounts Receivable (AR) Generate and send customer invoices accurately and on schedule. Apply customer payments and reconcile payment activity. Monitor AR aging and follow up on past-due accounts. Investigate and resolve billing issues with Sales and Customer Service. Maintain clean customer credit files and assist in credit reviews. General & Cross-Functional Assist with month-end close, reconciliations, and reporting. Support audits by preparing documentation and schedules. Recommend process improvements to streamline AP/AR workflows. Maintain organized digital and physical financial records. Qualifications 2-4 years of AP/AR or general accounting experience. Understanding of GAAP and basic accounting principles. Experience with ERP/accounting systems. Strong Excel skills. Excellent attention to detail and accuracy. Clear, professional communication. Ability to prioritize and manage deadlines. Preferred Manufacturing or industrial environment experience. Experience with inventory-related transactions. Familiarity with collections best practices. Success Looks Like Invoices processed accurately and on time. Clean, current AP/AR aging reports. Issues resolved quickly. Strong communication. Reliable support for monthly close and audits.

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 Senior 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 Senior Manager will be focused on supporting the development of our lending offerings and the delivery of transformational consulting projects. The Commercial Credit Senior Manager will be focused on supporting the development of our offerings and the delivery of consulting projects. Responsibilities may include: * Become a trusted advisor for C-suite clients looking to solve critical business problem * Define clients' business and technology strategy. * Re-imagine world-class operating models for Wholesale credit institutions. * Lead Wholesale credit systems implementation engagements (requirements, design, test, deployment, etc.). * 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. * 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. Qualification Here's What You Need: * Minimum of 10 years relevant professional services firm experience in technology or management consulting with broad experience in engagement management and business development * Minimum of 7 years of equivalent of commercial credit industry (sales, underwriting. closing, servicing, portfolio management) industry experience * Demonstratable experience leading a complex, large-scale commercial credit transformation across operating model, technology, and data/AI workstreams * Demonstrated experience developing and managing relationships with C-suite client executives. * A Bachelor's degree Bonus Points if you have: * Launched new product offerings in the banking industry. * Implemented next generation analytic capabilities (e.g., predictive, generative, or agentic AI) for commercial lending. * Experience with additional commercial lending industry platforms, e.g., Moody's, Blooma, Built * An advanced degree or financial industry certification 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 $132,500 to $302,400 Cleveland $122,700 to $241,900 Colorado $132,500 to $261,300 District of Columbia $141,100 to $278,200 Illinois $122,700 to $261,300 Maryland $132,500 to $261,300 Massachusetts $132,500 to $278,200 Minnesota $132,500 to $261,300 New York/New Jersey $122,700 to $302,400 Washington $141,100 to $278,200 Locations

Reporting to the Program Manager of Supportive Services and with independent professional responsibility, the Housing Specialist is responsible for the development of a housing relocation plan to assist Next Move program participants and other Sacramento community residents in securing appropriate housing, functions at a highly skilled level in such areas as assessment, individual counseling, group facilitation, community resource development and opportunities for program participants with regards to establishing permanent housing. This position is committed to improving the quality of services provided by seeking input from clients, employees and stakeholders to ensure service delivery and accessibility is equitable to all persons served. The Housing Specialist is a full time, non-exempt position eligible for Medical, Dental, Vision, Life Insurance; 403 (b) retirement plan; paid holidays, and Paid Time Off. This position is employed by Goodwill Industries of Sacramento Valley and Northern Nevada, Inc., through Next Move Homeless Services, Inc. ESSENTIAL DUTIES & RESPONSIBILITIES: The following reflects management's definition of essential functions for this job but does not restrict the tasks that may be assigned. Management may assign or reassign duties and responsibilities to this job at any time due to reasonable accommodation or other reasons. Keeps track of all intakes and exits to ensure that the programs are full to their capacity at all times and work closely with Maintenance Department to ensure proper living environment for the participants. Report delays in filling the vacancies to the Program Manager. Provides follow-up supportive services to shelter alumni for up to 1 year including referrals, regular contact/home visits, assists in maintaining short/long term goals, develops service plans to maintain permanent housing, provides ongoing intervention to reduce CPS involvement, act as liaison between landlord and participant experiencing housing difficulties in maintaining permanent housing. Maintains documentation of all program participant contacts (current and past) and community members. Provides statistical data for monthly, quarterly and yearly reports. Provides supportive services regarding housing opportunities and programs to participants for the duration of the program and to members of the community. Develops and maintains comprehensive lists of housing resources for use by Next Move program participants; refers program participants accordingly. Coordinates with case managers to increase access to and information regarding housing opportunities and programs. Works collaboratively with landlords, colleagues across the organization and within respective department. Performs a wide variety of individual and group life skills with program participants; develops and facilitates an array of housing based educational workshops and support groups designed to meet participant needs in regards to housing needs, tenant/landlord laws and maintaining permanent housing participants. Supports and educates program participants on issues surrounding living skills, employment, parenting, budgeting and money management, health and hygiene, and housing. Maintains housing list for distribution to community members needing assistance. Coordinates with case management in regards to individualized budgets with program participants where case management is assisting program participants in monitoring savings and expenditures. Develops and continues working relationships with landlords who are willing to rent to a high-risk population. Transports program participants as directed. Other Duties/Responsibilities: Ensures compliance with all Next Move Homeless Services and Goodwill Industries Sacramento Valley Northern Nevada policies, CARF standards, and safety and security regulations. Attends trainings and staff meetings, as required. Completes reports as directed by the Program Manager of Mental Health. Performs other duties as assigned. Requirements QUALIFICATIONS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the minimum knowledge, skill and/or ability required. Basic Qualifications of the Role: Experience working with the homeless population and knowledge of foster youth's unique needs. Exhibit a high degree of professionalism. Must not present a direct threat to the safety and health of self, others or property. Must be able to perform essential functions of this with or without reasonable accommodation. A strong commitment to the program and the mission of the organization. Extensive experience with strengths-based case management. Ability to communicate effectively, both orally and in writing; define problems, collect data, establish facts, and draw conclusions; and effectively present information to management and/or public groups. Proven ability to represent the interests of the organization, interact effectively with a diverse population, and be comfortable building successful collaborative relationships with youth, staff and other stakeholders. High level of energy and good sense of humor with the capacity for extraordinary time and effort demands. Must possess and maintain a valid driver's license and insurable driving record. No record or disclosure of criminal conviction that indicates an ongoing tendency toward theft, violence, dishonesty, deceit, drug manufacture or sale, moral turpitude, or predatory behavior. Must provide proof of identification and eligibility to work in the United States of America. Must pass a drug and background screening. POSITIONS SUPERVISED: No positions supervised. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand, walk, sit, use hands and fingers, handle or feel objects, reach with hands and arms, climb or balance, stoop, kneel, crouch or crawl, talk or hear and taste or smell. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus. WORK ENVIRONMENT: The work environment characteristics described here are representative of what an employee may encounter while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The duties listed above are intended only as illustrations of the various types of work that may be performed. The omission of specific statements of duties does not exclude them from the position if the work is similar, related or a logical assignment to the position. The does not constitute an employment agreement between the employer and employee and is subject to change by the employer as the needs of the employer and requirements of the job change. This job description does not cover all the activities, duties or responsibilities required of this role. Duties, responsibilities and activities may change, or new ones may be assigned at any time with or without notice to accommodate the needs of the organization. Salary Description $22 - $25 / hour

A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. In order to be the best, we hire the best! Benefits Offered by CoBank: * Careers with a purpose * Time-Off Packages, 15 days of vacation, 10 paid sick days and 11 paid holidays * Competitive Compensation & Incentive * Hybrid work model: flexible arrangements for most positions * Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance * Robust associate training and development with CoBank University * Tuition reimbursement for higher education up to $10k per year * Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match * Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution * Associate Resource Groups: creating a culture of respect and inclusion * Recognize a fellow associate through our GEM awards Job Description Prepares analysis and conducts credit investigations of routine and more complex credits in accordance with prescribed methods and procedures. Prepares and presents credit reports to appropriate senior staff or committees. Cosponsors or approves credits within prescribed credit limits. Assists with account servicing, credit administration, and documentation. Provides support to credit manager and appropriate staff with research and statistical analysis. Essential Functions * Develops credit information and structures financial proposals for use by appropriate senior staff and committees in making decisions about credit arrangements for new, renewal, or extension loans. Cosponsors or approves credit requests within prescribed limits. * Reviews all pertinent credit and financial information and determines the need for more thorough investigation or additional information. Analyzes information statements and related material and prepares summaries, presents facts, and offers opinions concerning credit‑worthiness. Understands and follows bank guidelines, policies, and procedures for the preparation and presentation of credit information. * Assists with credit administration, account servicing, development, packaging, closing, documentation, and monitoring. * Maintains control over current accounts, monitoring for payment progress, developing problems, trends, and compliance with covenants. Provides relevant and timely information to internal stakeholders including account officers, relationship managers, and credit staff. * Assists credit manager in the preparation of internal research and analysis, provides statistical reports, and verifies information. Prepares and delivers presentations on topics as assigned. * Develops and utilizes computerized spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations. * May authorize loan advances and loan re-pricing with money desk staff. * Maintains expertise in assigned industries or market sectors. Keeps abreast of industry trends and competitive environment. Education * Bachelor's Degree required Work Experience * 3 years of credit experience in banking industry required Physical Exertion Details Sedentary Exerting up to 10 pounds of force occasionally (Occasionally: activity or condition exists up to 1/3 of the time) and/or a negligible amount of force frequently (Frequently: activity or condition exists from 1/3 to 2/3 of the time) to lift, carry, push, pull, or otherwise move objects, including the human body. Sedentary work involves sitting most of the time, but may involve walking or standing for brief periods of time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met. Travel Requirement Details Occasional Travel occurs infrequently (typically, once a month or less). About CoBank The typical base pay range for this role is between $80,300 - $91,840. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance. The listed salary, other compensation and benefits information is accurate as of the date of this posting. This job will be posted for a minimum of five (5) business days or until the position is filled. CoBank reserves the right to adjust compensation for all positions and to modify or discontinue benefits programs at any time in its sole discretion, subject to applicable law. CoBank is a cooperative bank serving vital industries across rural America. The bank provides loans, leases, export financing and other financial services to agribusinesses and rural power, water and communications providers in all 50 states. The bank also provides wholesale loans and other financial services to affiliated Farm Credit associations serving more than 76,000 farmers, ranchers and other rural borrowers in 23 states around the country. CoBank is a member of the Farm Credit System, a nationwide network of banks and retail lending associations chartered to support the borrowing needs of U.S. agriculture, rural infrastructure and rural communities. Headquartered outside Denver, Colorado, CoBank serves customers from regional banking centers across the U.S. and also maintains an international representative office in Singapore. REASONABLE ACCOMMODATION We are committed to ensuring that our online application process provides an equal employment opportunity to all applicants, including qualified individuals with disabilities. If you are an applicant with a disability, or are assisting an applicant with a disability, and require accessibility assistance or would like to request a reasonable accommodation for any aspect of the application process, including completing an application, interviewing, or otherwise participating in the employee selection process, please submit a request by emailing *********************. Include your contact information and specific details about your requested accommodation. 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. CoBank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, or status as a protected veteran. Responsibilities Prepares analysis and conducts credit investigations of routine and more complex credits in accordance with prescribed methods and procedures. Prepares and presents credit reports to appropriate senior staff or committees. Cosponsors or approves credits within prescribed credit limits. Assists with account servicing, credit administration, and documentation. Provides support to credit manager and appropriate staff with research and statistical analysis.

Job DescriptionDescription: Manages the Division's commercial loan portfolio that includes review, analysis, approval, management and collection activities. Assists in underwriting and monitoring business loans secured either asset based and/or by real estate and larger consumer loans secured by real estate. Responsible for the credit quality, yield and portfolio mix. Position requires the supervision, creation implementation and management of the Bank's commercial credit policies and procedures. Serves as the department's Business Unit Compliance Officer. ESSENTIAL FUNCTIONS: Manages the Bank's commercial and industrial loan portfolio that includes commercial & 40% industrial (C&l), commercial term real estate (CRE), construction, agricultural, municipal lease and consumer loan types. Responsibilities include credit review, approval, portfolio management (hub oversight and supervision) structuring larger complex credits and collection activities. Approves loans within assigned lending limits. Recommends loans over assigned credit limits. Assists in underwriting and monitoring all commercial business loans secured wholly or in part 10% by business assets and/or real estate. Assists in underwriting collateral-dependent real estate secured consumer loans in excess of $150,000. Originates, underwrites and approves, within lending limits, municipal lease facilities and 5% supervises portfolio in compliance with governmental accounting and tax code. Serves as the department's Business Unit Compliance Officer. Maintains a strong working 20% knowledge of all laws and regulations affecting designated areas of responsibility. Keeps abreast of new and changing laws and regulations. As needed, formulates and updates policies and procedures/job aids which incorporate regulatory requirements and disseminates information to employees. Assists division management with the development and implementation of a comprehensive compliance risk assessment. Ensures internal controls that mitigate compliance risk are established, maintained, and applied in practice. Completes assigned compliance training courses, BCG, and Bank regulating agencies' training affecting designated areas of responsibility and disseminates the information, as appropriate, with colleagues and employees. Participates in the Regulatory Compliance Committee meetings. Member of the Consumer Complaint Committee. Supervises account officers' reviews and reporting of loans to ensure early identification of potential problem assets. Provides technical support to branches, credit hub lending personnel and Senior Management in structuring commercial business credit facilities. Provides direct technical support in the drafting and implementation of regulatory policy and procedures for the Credit Division inclusive of all product types. Manages special projects as assigned by senior management including merger and acquisition due diligence, loan participations and syndications, and tax credit investment underwriting for either loans and/or investments. Participates in other special projects and performs other job related duties as assigned. Requirements: MINIMUM KNOWLEDGE. PRIOR WORK EXPERIENCE, AND SKILLS NEEDED TO PERFORM JOB FUNCTIONS: Requires senior level work experience in direct/indirect consumer and mortgage lending, and asset-based lending where the incumbent has gained an in-depth knowledge of current mortgage and consumer product markets, government regulations, compliance and fair lending standards associated with lending and servicing activities. Thorough knowledge of commercial lending, documentation and foreclosure procedures; extensive title knowledge, including escrows, liens and endorsements. In-depth work experience of consumer lending including business laws and banking regulations. Bachelor's degree in finance, or business-related field required. Incumbents must have excellent communication, interpersonal, business development and organizational skills. PHYSICAL DEMANDS: Sitting and/or working with computers for extensive periods of time. Works extended hours attending various business meetings. Drives to various locations to visit branches and meet with customers. MENTAL DEMANDS: Maintain constant awareness of internal and external market conditions, industry, trends and products in order to profitably direct the activities of the company. Read and interpret regulatory and investor guidelines, identify credit policies which will reduce risk while maximizing profits. Interpret financial measures to determine economic soundness of current policies and objectives. Translate strategic goals into specific divisional objectives. Develop policies and procedures, which promote business opportunities and meet regulatory requirements. EQUIPMENT USED TO PERFORM FUNCTIONS: Computer, telephone, fax, automobile, copier, printer, calculator. DECISION MAKING: Identify and direct the pursuit of profitable business opportunities. Determine how changes in regulatory requirements will impact current operations and develop procedures which comply with these rulings. Identify potential investment opportunities. Approve or decline major programs commercial risks. EOE Westamerica Bank's Privacy Policy may be found at: *********************************