Credit analyst jobs in Brandon, FL

As the Credit Card Specialist, you will be directly responsible for the administrative work to support central lending functions. Credit Card Specialist Job Responsibilities: Perform any and all administrative processes as assigned in relation to any operational activities pertaining to the credit card program, including review, analysis and processor Conduct Credit Card trainings Responsible for performing audits on credit card files Process new and replacement credit cards with daily workflow to included name changes, credit increases, balance transfer or any credit card related issues Generates monthly reports of credit card maintenance and production Responsible for processing payments, adjustments, and overall maintenance of Credit Card portfolio Communicates regularly with the Credit Card vendors Assists with monthly audit reports May include inbound/outbound calling in relation to anything that supports our sales and services culture, with focus on credit card functions Credit Card Specialist Experience: Six months to two years of similar or related experience, including time spent in preparatory positions Bilingual preferred Credit Card Specialist Education: High school degree or GED required Credit Card Specialist Schedule: Monday through Friday Great Benefits Package!

Job Description Smart, Innovative, and Hard-working? Perfect! We are growing and need the right people with the right mindset. Join our family and find a home where you will enjoy working with your peers, be challenged to work hard, and have some fun in the midst of it all. We are proud to have been named the National Apartment Association's 2025 Best Workplace in the Supplier Category. Benefits that drive themselves $21.00 - $23.00/hour with growth opportunities! Full Time, Monday-Friday, 9:30 a-6:30 pm. (NO WEEKENDS AND PAID HOLIDAYS OFF!). We offer medical, dental, vision, life insurance, disability, 401K, 104 hours paid time off accrual, complimentary gym access, meal prep services and more! Employee Discount Program! Long-term Career Opportunities! Many of our leaders started with Chadwell Supply looking for a job, just like you, but found long-term career opportunities at one of our 29 Branches across the Country. Named Top 100 Companies in Tampa Bay 2019, 2020, 2021, 2022, 2023, 2024, and 2025! Overview The Credit Specialist is responsible for communicating with customers regarding credit applications, billing, discrepancies, collecting past due invoices, resolving payment applications and anything else regarding customer credit accounts. How you will make an Impact Maintain company standards for accuracy and promptness in performing job duties and responsibilities. Submit as directed all daily paperwork and completed assignments. Grants extension of credit. Receives payments and posts amount to customer account as needed. Confers with customer by telephone, mail and email in attempt to determine reason for overdue payment and obtain payment. Reviews terms of sale, service, payment or credit contract with customer. Records information about financial status of customer and status of collection efforts. Maintains electronic CRM notes of customer interaction and account status on customer account. Determines when delinquent customer accounts are turned over to the legal department. What you will need Be a minimum of 18 years of age. Previous collections, accounts receivable , accounts payable or property management experience. Have good interpersonal skills and be able to effectively communicate with customers, managers, and coworkers. Be able to work flexible hours, and overtime as needed. Have reliable transportation to and from work. Have 3 years of experience in a working environment. Powered by JazzHR co SP7NbNxm

This role is for immediate hire The Credit Risk Data Analyst is responsible for being an analytical leader in organizing and leveraging data to drive fact-based decisions and actions. The Credit Risk Data Analyst is responsible for developing and executing a consistent and coherent set of data and analyses for effective credit risk measurement and reporting across the bank. In addition to developing analytical insights, the incumbent must collaborate across the company for implementation, data management, analytical execution, forecasting, and on-going monitoring. The ideal candidate will possess finance, strategic and analytical acumen, and demonstrate the ability to collaborate with and to influence multi-functional team members across the bank. ESSENTIAL DUTIES AND RESPONSIBILITIES: * Synthesize credit data to provide analysis and conclusion for management, Board and Regulatory reports, including standard and ad-hoc requests, as needed. * Provide analytical insights for executive management and the board of directors on credit trends and emerging risks in portfolios. * Work with the analytics teams and data originators and users for consistency of use of data assets, as well as to eliminate redundancies and non-sanctioned variations. * Partner with lines of business to address root causes that create data quality issues. * Use analytical and technical skills for improving data quality and business insights, as well as influencing business process design. * Cultivate cross-functional relationships between business units to ensure insights become actionable and drive desirable business outcomes. * Utilize data handling and mining tools to support proactive data quality program focusing on business intelligence and analytics applications. * Standardize credit data definitions and classifications and ensuring that a data trail is effectively documented within the processes associated with accessing, retrieving, exchanging, reporting, managing, and storing of data. * Research data integrity issues when discrepancies are found. Run various reports to self-audit data and/or work with staff in the field to correct data as appropriate to ensure accuracy. * Lead resolution to external and internal audit inquiries and supporting documentation. * Proactively identify and evaluate emerging analytics software, technologies, and tools. EDUCATION and/or EXPERIENCE: * MA/MS in Statistics or Quantitative field preferred. * 7+ years of progressive, related experience. * Strong analytic skills, knowledge of statistical software, and problem-solving ability are a must. * Knowledge in credit risk analytics, loan loss reserving process, loss forecasting, probability of default and risk rating development. * Provide attention to detail and ensure data accuracy. * Extensive programming skills with: SQL, SAS, Python, SAS/Stat, SAS Enterprise Miner, and/or R/Python. * Visualization software such as SAS Visual Analytics and Power BI. * Self-motivated to proactively learn and solve complex business problems. The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.

Join Bill360 Inc. in Tampa, FL, as a Full-Time Credit Analyst, where your analytical prowess will directly contribute to our innovative solutions in the SAAS industry. Experience the thrill of working onsite with a dynamic team that values customer-centricity and problem-solving. You will be pivotal in assessing credit risks and influencing business decisions, all while thriving in our energetic and forward-thinking culture. Enjoy a competitive pay range of $20-22 per hour, reflecting your skills and dedication. This role not only offers professional growth but also the chance to engage with a fun, high-performance environment. Your contributions will shape the future of our customer solutions and drive impactful change within the organization. Join us and be part of a transformative journey at Bill360 Inc.! You can enjoy great benefits such as Medical, Dental, Vision, 401(k), and Paid Time Off. Take this opportunity to make a significant impact and elevate your career today. Hello, we're Bill360 Inc Bill360, Inc. is a fast-growing financial technology company, developing cloud-native software that automates critical financial processes. At Bill360, you'll be working in a collaborative environment alongside fintech experts who are passionate and innovative. We embrace challenge and foster creativity within a culture that helps you develop as a person and a professional. Our leadership team believes in an open-door policy and full transparency, hosting monthly town hall meetings. Bill360 doesn't just offer you a job - we offer you a chance to learn, grow, and create a career you can be proud of. Your day as a Credit Analyst As a new Credit Analyst at Bill360 Inc., you can expect an engaging and challenging workday from Monday to Friday. Your daily responsibilities will include analyzing credit data and financial statements to assess the creditworthiness of potential clients. You will collaborate closely with cross-functional teams to gather key information and present insights that drive informed decision-making. Additionally, you will conduct risk assessments, monitor existing clients' credit performance, and prepare detailed reports summarizing your findings. Daily interactions with customers will enhance your understanding of their needs and strengthen our customer-centric approach. Your schedule will include regular team meetings to discuss progress, share innovative ideas, and align on strategies to overcome obstacles. Embrace a fulfilling role where your contributions will be recognized and valued as you navigate your career with us. Are you the Credit Analyst we're looking for? To thrive as a Credit Analyst at Bill360 Inc., candidates should possess a blend of essential skills and qualifications that align with our high-performance culture. Strong verbal and written communication skills are crucial for delivering exceptional service quality while interacting positively with merchants, team members, and sales partners. Successful candidates must manage multiple tasks efficiently, ensuring comprehensive documentation in a fast-paced environment. Proficiency in MS Office applications, particularly Word and Excel, is required, along with familiarity with VOIP phone systems and general office equipment. A key aspect of this role is exercising discretion and independent judgment when making decisions. Candidates must also handle confidential information appropriately, reflecting our commitment to customer-centricity. The ideal applicant will have at least one year of experience in credit underwriting or analysis, or three-plus years in customer service within the credit card processing industry. A general understanding of business practices and consumer/business credit reports is also essential. Knowledge and skills required for the position: 1. Serve as a Credit Underwriter/Credit Analyst prioritizing service quality and operational efficiency. 2. Obtain and analyze credit reports business histories and payment records from various sources. 3. Collaborate with the Underwriting team to resolve any underwriting issues. 4. Review submissions and funding requests and gather additional information from Sales Representatives or business owners as needed. 5. Assist in coordinating account conversions with credit card processors. 6. Perform additional duties as assigned. **Essential Skills:** 1. Strong verbal and written communication skills. 2. Positive customer-focused interaction with merchants personnel and sales partners. 3. Ability to manage multiple tasks and ensure documentation completeness. 4. Proficiency in prioritizing tasks and meeting deadlines in a fast-paced environment. 5. Familiarity with MS Office applications VOIP phone systems and general office equipment. 6. Capacity to exercise discretion and independent judgment in decision-making. 7. Ability to handle confidential information appropriately. **Qualifications:** 1. At least 1-3 years of experience in credit underwriting or analysis or 3+ years in a customer service or agent service role within the credit card processing industry. 2. AS or AA degree or higher preferred. 3. General understanding of business practices and consumer/business credit reports. 4. Proficiency in Microsoft Office Suite especially Word and Excel. Are you ready for an exciting opportunity? We believe in taking care of our team, both on and off the job. That's why we offer a mobile-friendly application process - because we know your time is valuable. If you're ready to take your management skills to the next level and join a team that values hard work and good times, complete our application today!

Job Description Join Bill360 Inc. in Tampa, FL, as a Full-Time Credit Analyst, where your analytical prowess will directly contribute to our innovative solutions in the SAAS industry. Experience the thrill of working onsite with a dynamic team that values customer-centricity and problem-solving. You will be pivotal in assessing credit risks and influencing business decisions, all while thriving in our energetic and forward-thinking culture. Enjoy a competitive pay range of $20-22 per hour, reflecting your skills and dedication. This role not only offers professional growth but also the chance to engage with a fun, high-performance environment. Your contributions will shape the future of our customer solutions and drive impactful change within the organization. Join us and be part of a transformative journey at Bill360 Inc.! You can enjoy great benefits such as Medical, Dental, Vision, 401(k), and Paid Time Off. Take this opportunity to make a significant impact and elevate your career today. Hello, we're Bill360 Inc Bill360, Inc. is a fast-growing financial technology company, developing cloud-native software that automates critical financial processes. At Bill360, you'll be working in a collaborative environment alongside fintech experts who are passionate and innovative. We embrace challenge and foster creativity within a culture that helps you develop as a person and a professional. Our leadership team believes in an open-door policy and full transparency, hosting monthly town hall meetings. Bill360 doesn't just offer you a job - we offer you a chance to learn, grow, and create a career you can be proud of. Your day as a Credit Analyst As a new Credit Analyst at Bill360 Inc., you can expect an engaging and challenging workday from Monday to Friday. Your daily responsibilities will include analyzing credit data and financial statements to assess the creditworthiness of potential clients. You will collaborate closely with cross-functional teams to gather key information and present insights that drive informed decision-making. Additionally, you will conduct risk assessments, monitor existing clients' credit performance, and prepare detailed reports summarizing your findings. Daily interactions with customers will enhance your understanding of their needs and strengthen our customer-centric approach. Your schedule will include regular team meetings to discuss progress, share innovative ideas, and align on strategies to overcome obstacles. Embrace a fulfilling role where your contributions will be recognized and valued as you navigate your career with us. Are you the Credit Analyst we're looking for? To thrive as a Credit Analyst at Bill360 Inc., candidates should possess a blend of essential skills and qualifications that align with our high-performance culture. Strong verbal and written communication skills are crucial for delivering exceptional service quality while interacting positively with merchants, team members, and sales partners. Successful candidates must manage multiple tasks efficiently, ensuring comprehensive documentation in a fast-paced environment. Proficiency in MS Office applications, particularly Word and Excel, is required, along with familiarity with VOIP phone systems and general office equipment. A key aspect of this role is exercising discretion and independent judgment when making decisions. Candidates must also handle confidential information appropriately, reflecting our commitment to customer-centricity. The ideal applicant will have at least one year of experience in credit underwriting or analysis, or three-plus years in customer service within the credit card processing industry. A general understanding of business practices and consumer/business credit reports is also essential. Knowledge and skills required for the position: 1. Serve as a Credit Underwriter/Credit Analyst prioritizing service quality and operational efficiency. 2. Obtain and analyze credit reports business histories and payment records from various sources. 3. Collaborate with the Underwriting team to resolve any underwriting issues. 4. Review submissions and funding requests and gather additional information from Sales Representatives or business owners as needed. 5. Assist in coordinating account conversions with credit card processors. 6. Perform additional duties as assigned. **Essential Skills:** 1. Strong verbal and written communication skills. 2. Positive customer-focused interaction with merchants personnel and sales partners. 3. Ability to manage multiple tasks and ensure documentation completeness. 4. Proficiency in prioritizing tasks and meeting deadlines in a fast-paced environment. 5. Familiarity with MS Office applications VOIP phone systems and general office equipment. 6. Capacity to exercise discretion and independent judgment in decision-making. 7. Ability to handle confidential information appropriately. **Qualifications:** 1. At least 1-3 years of experience in credit underwriting or analysis or 3+ years in a customer service or agent service role within the credit card processing industry. 2. AS or AA degree or higher preferred. 3. General understanding of business practices and consumer/business credit reports. 4. Proficiency in Microsoft Office Suite especially Word and Excel. Are you ready for an exciting opportunity? We believe in taking care of our team, both on and off the job. That's why we offer a mobile-friendly application process - because we know your time is valuable. If you're ready to take your management skills to the next level and join a team that values hard work and good times, complete our application today!

Boston, Massachusetts;Atlanta, Georgia; Tampa, Florida; Providence, Rhode Island; Jacksonville, Florida; Hartford, Connecticut **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (**************************************************************************************************************** **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Job Description:** This job is responsible for managing, monitoring, and documenting credit risk for a portfolio of clients. Key responsibilities include monitoring changes in credit profiles, compliance with credit agreements as well as structuring and underwriting new financing solutions across the Global Banking and Markets product spectrum. Job expectations may include assessing risk solutions which adhere to the bank's risk appetite and risk strategies and coaching and leading team members. In Dealer Financial Svs, assigned as a market or industry level resource, the Credit Officer II is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions. The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing. Involvement with monitoring activities/approvals is also part of the responsibilities. The Credit Officer II maintains knowledge of other BofAML products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. The role is balanced between analysis of clients and prospects and their industries, design and execution of credit solutions, and the active management of asset quality. Client facing, the Credit Officer II collaborates with the Relationship Manager(RM),Treasury Solutions Officer (TSO), and other product partners, when needed, to assess client needs, design integrated solutions and deliver the bank to clients and prospects. **Responsibilities:** + Oversees and assesses the credit worthiness of borrowers based on due diligence findings, financial statement analysis, forecasting, analysis of company and industry risks, terms and conditions, and relationship profitability to provide high quality credit approval to Corporate Banking, Investment Banking, Global Markets, and Treasury + Exercises Delegated Approval Authority using sound judgment and expertise to make approval decisions for the business including new lending limits, structuring and negotiating deal terms, credit worthiness, annual reviews and renewals, risk ratings, and breach actions + Acts as a senior coverage team resource supporting ongoing credit matters and asset quality, maintaining adherence to the bank's risk appetite and risk strategies to mitigate losses while identifying opportunities to responsibly growing the loan portfolio + Leads new credit originations in coordination and collaboration with the coverage teams including Relationship Managers, Risk, Syndications, Treasury, and all other product partners + Negotiates and structures legal documentation related to loans and derivatives + Establishes appropriate internal risk ratings for clients and implements accurate adjustments throughout the client's credit life cycle + Trains, coaches, and mentors Credit Analysts and Associates + Serves as a key member of the Commercial Client Team in handling the clients financial needs, ensuring that the overall client experience is favorable, and that the bank is in a position to expand the relationship. Interacts with clients and prospects to understand their financial goals and objectives, current and future financial performance, and their needs and desires for their banking relationship + Working closely with the client team, the role of the Credit Officer in the credit process is the guidance and oversight of underwriting, structuring, and documentation of credit requests on an assigned portfolio + Includes an evaluation of the financial standing of the client or prospect and the appropriateness of the existing or proposed credit structure, and suggestion of any changes to help optimize the relationship + Underwrite and structure complex credit transactions with minimal oversight + Some travel time with face-to-face interaction with our dealer clients + Involved in the negotiation and closing process for transactions in portfolio + Oversees the monitoring of their assigned portfolio to maintain credit quality, and to ensure timely recognition and management of any changes via the use of the bank's proprietary risk rating tool, and the review of various compliance, exception and past due reports **Required Qualifications:** + Minimum of 7 years commercial credit underwriting an analysis with a commercial bank or OEM captive finance organization. + Strong knowledge and comprehension of loan and collateral documentation + Ability to accurately analyze borrower's financial picture and deliver a comprehensive risk analysis to manager and risk officers + Confidence and ability to develop an independent viewpoint and present a business case to support conclusions + Excellent relationship management skills, experience working in a team environment, ability to help influence constituencies with diverse views towards consensus + Coaching and mentoring skills + Strong Microsoft Office Skills **Desired Qualifications:** + Minimum of 10 years commercial credit underwriting and analysis with a commercial bank or OEM captive finance organization in the auto retail space. Direct customer-facing experience in a goal-oriented environment. + Bachelor's degree in Finance or Accounting **Skills:** + Analytical Thinking + Credit and Risk Assessment + Financial Analysis + Loan Structuring + Underwriting + Attention to Detail + Business Acumen + Financial Forecasting and Modeling + Research Analysis + Written Communications + Business Development + Collaboration + Critical Thinking + Portfolio Analysis + Stakeholder Management **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. To view the "Know your Rights" poster, CLICK HERE (************************************************************************************** . View the LA County Fair Chance Ordinance (************************************************************************************************** . Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

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

**Specialty/Competency:** General Tax Consulting **Industry/Sector:** Not Applicable **Time Type:** Full time **Travel Requirements:** Up to 20% At PwC, our people in tax services focus on providing advice and guidance to clients on tax planning, compliance, and strategy. These individuals help businesses navigate complex tax regulations and optimise their tax positions. In specialised tax services at PwC, you will focus on providing tax advice and solutions to clients in complex and niche areas of taxation. This includes areas such as accounting methods, fixed-assets and research and development tax credits. Enhancing your leadership style, you motivate, develop and inspire others to deliver quality. You are responsible for coaching, leveraging team member's unique strengths, and managing performance to deliver on client expectations. With your growing knowledge of how business works, you play an important role in identifying opportunities that contribute to the success of our Firm. You are expected to lead with integrity and authenticity, articulating our purpose and values in a meaningful way. You embrace technology and innovation to enhance your delivery and encourage others to do the same. Examples of the skills, knowledge, and experiences you need to lead and deliver value at this level include but are not limited to: + Analyse and identify the linkages and interactions between the component parts of an entire system. + Take ownership of projects, ensuring their successful planning, budgeting, execution, and completion. + Partner with team leadership to ensure collective ownership of quality, timelines, and deliverables. + Develop skills outside your comfort zone, and encourage others to do the same. + Effectively mentor others. + Use the review of work as an opportunity to deepen the expertise of team members. + Address conflicts or issues, engaging in difficult conversations with clients, team members and other stakeholders, escalating where appropriate. + Uphold and reinforce professional and technical standards (e.g. refer to specific PwC tax and audit guidance), the Firm's code of conduct, and independence requirements. The Opportunity As part of the Corporate Tax - Specialised Tax Services team you provide exceptional technical knowledge and specialization and industry insights. As a Manager you lead teams and manage client accounts, focusing on strategic planning and mentoring junior staff. You are accountable for project success and maintaining elevated standards. Enhancing your leadership style, you motivate, develop and inspire others to deliver quality. You are responsible for coaching, leveraging team member's unique strengths, and managing performance to deliver on client expectations. With your growing knowledge of how business works, you play an important role in identifying opportunities that contribute to the success of our Firm. You are expected to lead with integrity and authenticity, articulating our purpose and principles in a meaningful way. You embrace technology and innovation to enhance your delivery and encourage others to do the same. This role involves working closely on clients with the latest technologies and platforms in lending, digital banking, payments, crypto and blockchain, insurance and real estate. Responsibilities - Manage client accounts with a strategic planning approach - Coach and mentor junior team members for skill development - Uphold rigorous standards to confirm successful project outcomes - Motivate and inspire the team to deliver exceptional work - Enhance team strengths to meet client requirements - Identify and act on opportunities to advance the firm's goals - Integrate technology and innovation into service delivery - Collaborate with clients on advanced technologies and platforms What You Must Have - Bachelor's Degree in Taxation,Accounting,Engineering,Sustainable Resource Management,Environmental Health/Engineering,Computer and Information Science - 4 years of experience What Sets You Apart - Basic accounting knowledge - Understanding of Inflation Reduction Act and CHIPs Act of 2022 - Knowledge of fixed asset tax depreciation methods - Experience with cost segregation studies - Project management skills - Experience identifying and addressing client needs - Knowledge of automation & digitization in professional services - Supervising teams to create an atmosphere of trust - One of the following: CPA, Member of State Bar, Enrolled Agent, Master's - Engineering, Professional Engineer Learn more about how we work: ************************** PwC does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: *********************************** As PwC is an equal opportunity employer, all qualified applicants will receive consideration for employment at PwC without regard to race; color; religion; national origin; sex (including pregnancy, sexual orientation, and gender identity); age; disability; genetic information (including family medical history); veteran, marital, or citizenship status; or, any other status protected by law. For only those qualified applicants that are impacted by the Los Angeles County Fair Chance Ordinance for Employers, the Los Angeles' Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, San Diego County Fair Chance Ordinance, and the California Fair Chance Act, where applicable, arrest or conviction records will be considered for Employment in accordance with these laws. At PwC, we recognize that conviction records may have a direct, adverse, and negative relationship to responsibilities such as accessing sensitive company or customer information, handling proprietary assets, or collaborating closely with team members. We evaluate these factors thoughtfully to establish a secure and trusted workplace for all. Applications will be accepted until the position is filled or the posting is removed, unless otherwise set forth on the following webpage. Please visit this link for information about anticipated application deadlines: *************************************** The salary range for this position is: $99,000 - $266,000, plus individuals may be eligible for an annual discretionary bonus. For roles that are based in Maryland, this is the listed salary range for this position. Actual compensation within the range will be dependent upon the individual's skills, experience, qualifications and location, and applicable employment laws. PwC offers a wide range of benefits, including medical, dental, vision, 401k, holiday pay, vacation, personal and family sick leave, and more. To view our benefits at a glance, please visit the following link: *********************************** \#LI-Hybrid

Our client is a growing super regional full-service bank encompassing Private Banking, Lending, Branch, Brokerage, Trust, Credit, and Insurance. Due to its active growth in key markets across the U.S. we have been asked to exclusively identify candidates in the Sarasota/Fort Myers metro market. Our client is seeking a Senior Advisor/ Banker who leads with investments. Manage, develop and retain full-service relationships with both UHNW & HNW clients. Must have strong COI's and or an established book of clients within the Sarasota/Fort Myers metro market and be able to self source. Work within a business model that strengthens collaborations between internal departments, teams and specialists to maximize cross-selling opportunities. Provide integrated financial services advice to these clients including banking, credit, asset management, and trust and estate planning. Work collaboratively and proactively with branches and regional teams to identify and generate referrals. Proactively develop internal and external networks for referral sources that generate prospects and create visibility in the marketplace. Provide financial advice and counsel to clients and prospective clients regarding trends and conditions of the business environment and general banking trends. Actively participate in community and business functions/groups. Possess a self-motivated, highly driven, and entrepreneurial personality. Required Experience: Bachelor's degree with 7+ years' experience in the wealth management industry as either a Financial Advisor, Private Banker, or Relationship Manager with proven track record of generating an AUM exceeding 100M USD or T-12 of at least 350K USD. Must have Series 7 and 66 or equivalent as well as insurance licenses for Life, Health, and Variable products Compensation will be tailored to the individual

· French verbal and written required · Contact customers/bottlers/Credit Union member for collection of delinquent invoices, invalid deductions, or negative accounts to ensure the maximum turnover of receivables. · Review and analyse customers'/bottlers' open receivables for control of outstanding receivables within the line of credit and terms of payment. · Review and approve release of credit hold product orders for shipment to customers/bottlers. · Influence external client to take desired actions by using techniques appropriate to the situation · Add or update customer/bottler information into master file (e.g., ACN files, Customer Master) so that orders may be shipped/billed or payments can be made. · Associates Degree or equivalent work experience · At least 1-5 years of related work experience · Data Extraction. Knowledge of and ability to extract and query data from systems (e.g., PAPA$, SAP, Focus, Billing and Promotions, Nielsen, INFORM, PLUS, OPS, Messenger). · Collections. Knowledge of policies, procedures, and applicable laws, statutes and regulations (e.g., Robinson Patman, Uniform Commercial Code) for collecting delinquent accounts, loans, and/or receivables. This includes knowledge of system reports, documenting collection efforts, determining collectability, recommending charge-offs, coordinating legal actions, etc. · Financial Policies and Procedures. Knowledge of the Company's financial policies and procedures including Standard Practices and Procedures, Standard Accounting Codes, Reporting And Budgeting, Code of Business Conduct, ISSCOM, as well as internal policies and procedures specific to area of responsibility · Record Retention. Knowledge of the policies and procedures for storing and retaining financial, non-financial, and company documents. · Credit Bureaus. Knowledge of proper procedures for obtaining credit decisions including ensuring accurate and complete information is posted to make appropriate credit decisions. Additional Information Ishan Sharma Tech Providers, Inc. (404) 594-6193

US Tech Solutions is a global staff augmentation firm providing a wide-range of talent on-demand and total workforce solutions. To know more about US Tech Solutions, please visit our website ************************ We are constantly on the lookout for professionals to fulfill the staffing needs of our clients, sets the correct expectation and thus becomes an accelerator in the mutual growth of the individual and the organization as well. Keeping the same intent in mind, we would like you to consider the job opening with US Tech Solutions that fits your expertise and skillset. Job Description • French verbal and written communication is required • Contact customers/bottlers/Credit Union member for collection of delinquent invoices, invalid deductions, or negative accounts to ensure the maximum turnover of receivables. • Review and analyze customers'/bottlers' open receivables for control of outstanding receivables within the line of credit and terms of payment. • Review and approve release of credit hold product orders for shipment to customers/bottlers. • Influence external client to take desired actions by using techniques appropriate to the situation • Add or update customer/bottler information into master file (e.g., ACN files, Customer Master) so that orders may be shipped/billed or payments can be made. • Associates Degree or equivalent work experience* At least 1-3 years of related work experience • Data Extraction. Knowledge of and ability to extract and query data from systems (e.g., PAPA$, SAP, Focus, Billing and Promotions, Nielsen, INFORM, PLUS, OPS, Messenger). Collection. • Knowledge of policies, procedures, and applicable laws, statutes and regulations (e.g., Robinson Patman, Uniform Commercial Code) for collecting delinquent accounts, loans, and/or receivables. • This includes knowledge of system reports, documenting collection efforts, determining collectability, recommending charge-offs, coordinating legal actions, etc. • Financial Policies and Procedures. Knowledge of the Company's financial policies and procedures including Standard Practices and Procedures, Standard Accounting Codes, Reporting And Budgeting, Code of Business Conduct, ISSCOM, as well as internal policies and procedures specific to area of responsibility Record Retention. • Knowledge of the policies and procedures for storing and retaining financial, non-financial, and company documents. • Credit Bureaus. Knowledge of proper procedures for obtaining credit decisions including ensuring accurate and complete information is posted to make appropriate credit decisions. Additional Information Nisha Jha ************

At Chase, you will focus on business results by offering options and finding solutions to help our customers. The Call Center Collection Specialist's work is creative, exciting, and different every day. As a Specialist II in Collections, you will take a mix of inbound and outbound calls while collecting on overdrawn or past due accounts. By building a strong rapport with your customer, you will be able to make an impact on the business. Your passion for customer service, inner competitiveness will allow you to excel in our fast paced Job responsibilities Works in a call center environment that requires 100% phone-based customer interaction Demonstrates excellent communication, negotiation, and decision-making skills, while staying engaged with our customers Communicates with customers in a metrics-driven environment Navigates multiple technologies while demonstrating resiliency and extreme adaptability in a fast-paced environment Takes ownership of each customer interaction while treating them with respect and responding with empathy Works both independently and in a team environment Abides by all applicable regulatory and departmental practices and procedures Required qualifications, capabilities, and skills Reading and speaking in both Spanish and English fluently is required for this role Minimum of 2 years of customer interaction or customer support experience required, either by phone or face-to-face Minimum of 1 year computer experience required, utilizing multiple computer applications in a Windows-based environment High school diploma or GED required Preferred qualifications, capabilities, and skills Ability to multitask using a computer and simultaneously provide customer support Comfortable in a fast-paced, consistently changing environment Previous experience working in a Collections, Sales, Retail or Customer Service industry Have a passion for helping people by solving problems, presenting, and explaining solutions Work Schedule: Candidates must be willing and able to work schedules during our operating hours, which may include evenings and weekends. Specific schedule information will be provided by the Recruiter. This position requires that you attend trainings as scheduled. Training hours may not coincide with your regularly scheduled hours.

What You Need To Know Shape a remarkable future with us. Build a career working for an industry leader that truly invests in their people - and equips them with leading technology, continuous learning, and the ability to bring their best selves to work. As the premier wine and spirits distributor, Southern Glazer's isn't just one of Forbes' Top Private Companies; it's a family-owned business with deep roots dating back to 1933. The reputation of Southern Glazer's is well-established, and it's no surprise that we are regularly recognized for our culture. Southern Glazer's has been recognized by Newsweek as one of America's Greatest Workplaces for Inclusion and Diversity, as well as for Women and Parents and Families. These accolades speak volumes about our commitment to creating a supportive and inclusive culture of belonging for all employees. As a full-time employee, you can choose from a wide-ranging menu of our Top Shelf Benefits, including comprehensive medical and prescription drug coverage, dental and vision plans, tax-saving Flexible Spending Accounts, disability coverage, life insurance plans, and a 401(k) plan. We also offer tuition assistance, a wellness program, parental leave, vacation accrual, paid sick leave, and more. By joining Southern Glazer's, you would be part of a team that values excellence, innovation, and community. This is more than just a job - it's an opportunity to build the future of beverage distribution and grow with a company that truly cares about its people. Overview The AR Operations Analyst will play a key role in driving operational excellence through data analysis, root cause investigation, and support of Accounts Receivable initiatives including account reconciliation, system deployments, and audit readiness. This role champions best practices and ensures compliance with company policies and regulatory requirements. Primary Responsibilities Perform advanced Excel-based data analysis to support A/R operations Conduct root cause analysis on past due balances, recurring disputes, and unapplied cash Analyze and clean up suspense accounts to ensure accurate financial reporting Support audit readiness by maintaining organized and compliant documentation Assist with the NorthStar system deployment, ensuring smooth transition and data integrity Serve as primary contact for urgent projects and customer issues, demonstrating flexibility and responsiveness Monitor national chain and general market accounts receivable and advise on necessary actions Minimum Qualifications Bachelor's degree in accounting, Finance, or related field, plus 3 years of relevant experience; or equivalent combination of education and experience Strong understanding of Generally Accepted Accounting Principles (GAAP) and federal regulatory guidelines Advanced proficiency in Microsoft Excel including pivot tables, charts, and complex formulas Excellent analytical, organizational, and problem-solving skills Strong communication and interpersonal skills Ability to work independently and manage multiple priorities effectively Physical Demands Physical demands include a considerable amount of time sitting and typing/keyboarding, using a computer (e.g., keyboard, mouse, and monitor) or adding machine Physical demands with activity or condition may occasionally include walking, bending, reaching, standing, and stooping May require occasional lifting/lowering, pushing, carrying, or pulling up to 56lbs EEO Statement Southern Glazer's Wine and Spirits, an Affirmative Action/EEO employer, prohibits discrimination and harassment of any type and provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training. SGWS complies with all federal, state and local laws concerning consideration of a qualified applicant's arrest and/or criminal conviction records. Southern Glazer's Wine and Spirits provides competitive compensation based on estimated performance level consistent with the past relevant experience, knowledge, skills, abilities and education of employees. Unless otherwise expressly stated, any pay ranges posted here are estimates from outside of Southern Glazer's Wine and Spirits and do not reflect Southern Glazer's pay bands or ranges.

Job Details Experienced BNC 0029 - Seffner, FL Full Time Not Specified Customer ServiceDescription The Credit Manager along with the Sales Manager are the second in charge at the individual branch location. The Credit Manager performs a wide variety of job functions at the direction of the General Manager, assisting and coordinating store activities to ensure safe, professional and profitable operations. The Credit Manager is accountable for meeting company objectives; maintain company quality standards and adhering to company policies. Principal Accountabilities Acquire and Maintain Customers Act as a customer liaison who resells the benefits of timely rental/lease agreement renewal payments Assist in managing store personnel; may direct activities of one or more employees Compliance with all applicable federal, state and local statutes Decipher, prepare and review store reports Document all customer commitments Ensure company standards for renewals, delinquencies and store collections are satisfied Fill out paperwork for submission to corporate support Follow monthly marketing plans and maintain internal quality control standards Manage customer accounts Managing inventory and cash assets Prepare daily work schedules, delivery schedules, assign tasks, enforce company policy All other duties deemed necessary for effective store management Qualifications Requirements for Credit Manager Effective organizational skills Established collection skills Good communication skills Handle multiple priorities simultaneously Learn and become proficient in POS system Maintain professional appearance Must be able to read, write and communicate effectively in person and over the phone with employees and customers Negotiate and resolve conflict Plan, organize, delegate, coordinate and follow up various tasks and assignments Recognize and solve problems Must have proficient navigational skills with a satisfactory driving record and meet insurability requirements Regular and consistent attendance, including nights and weekends as business dictates Education and Experience Two years' experience with Rent-to-Own, retail or other business emphasizing customer service, account management, sales and merchandising. General Physical Requirements Position routinely requires lifting, loading, moving, and using a dolly for merchandise 50-300 pounds Stooping, bending, pulling, climbing, reaching and grabbing as required Must be able to traverse multiple flights of stairs while carrying furniture, appliance, and electronics Prolonged driving and standing Must be able to work in and outdoors in a variety of climates and weather conditions.

Job DescriptionOTC Interest Rate and Credit Derivatives Analyst Tampa FL or Tempe, AZ (4 days onsite, 1 day remote) 95-125K + Bonus + Paid Relocation OTC Interest Rate and Credit Derivatives Analyst ensures all relevant processing and maintenance functions are completed accurately within prescribed timeframes and in accordance with established departmental procedures. Responsibilities: Draft and review ISDA paper confirmations for Interest Rate products. Process/review Markitwire (electronic) confirmations for Interest Rate products. Process/review TradeServ (electronic) confirmations for Credit Derivatives. Ensure all documentation complies with ISDA and market practice. Interact with Counterparty, Front Office and Legal as needed to resolve confirmation issues. Ensure the tracking of outstanding confirmations is recorded and reported to management. Respond to internal and external inquiries timely and with professionalism. Understand the roles and responsibilities of other units we deal with and effectively interface with those units when required. Work with the team and assist with ad-hoc requests and project related tasks. Participate in user acceptance testing for systems upgrades, database conversions and introduction of new systems. Provide training to other team members as needed. Requirements Qualifications: Proficiency of ISDA Interest Rate Derivatives Definitions. 5-7 years of Interest Rate Documentation experience within a banking/investment banking environment. High degree of accuracy and attention to detail; must be able to effectively manage time and prioritize multiple responsibilities; strong organizational and communication skills (both verbal and written); proficient at Microsoft Excel and Word; strong analytical and problem-solving skills; ability to quickly adapt to change and work in a deadline-oriented environment; ability to work independently and as part of a team. Bachelor's Degree required. Benefits Health and wellness benefits Retirement plans Educational assistance and training programs Income replacement for qualified employees with disabilities Paid maternity and parental bonding leave Paid vacation, sick days, and holidays

Smart, Innovative, and Hard-working? Perfect! We are growing and need the right people with the right mindset. Join our family and find a home where you will enjoy working with your peers, be challenged to work hard, and have some fun in the midst of it all. We are proud to have been named the National Apartment Association's 2025 Best Workplace in the Supplier Category. Benefits that drive themselves $19.00 - $21.00/hour with growth opportunities! Full Time, Monday-Friday, 9:30 a-6:30 pm. (NO WEEKENDS AND PAID HOLIDAYS OFF!). We offer medical, dental, vision, life insurance, disability, 401K, 104 hours paid time off accrual, complimentary gym access, meal prep services and more! Employee Discount Program! Long-term Career Opportunities! Many of our leaders started with Chadwell Supply looking for a job, just like you, but found long-term career opportunities at one of our 29 Branches across the Country. Named Top 100 Companies in Tampa Bay 2019, 2020, 2021, 2022, 2023, 2024, and 2025! Overview The Credit Specialist is responsible for communicating with customers regarding credit applications, billing, discrepancies, collecting past due invoices, resolving payment applications and anything else regarding customer credit accounts. How you will make an Impact Maintain company standards for accuracy and promptness in performing job duties and responsibilities. Submit as directed all daily paperwork and completed assignments. Grants extension of credit. Receives payments and posts amount to customer account as needed. Confers with customer by telephone, mail and email in attempt to determine reason for overdue payment and obtain payment. Reviews terms of sale, service, payment or credit contract with customer. Records information about financial status of customer and status of collection efforts. Maintains electronic CRM notes of customer interaction and account status on customer account. Determines when delinquent customer accounts are turned over to the legal department. What you will need Be a minimum of 18 years of age. Previous collections, accounts receivable , accounts payable or property management experience. Have good interpersonal skills and be able to effectively communicate with customers, managers, and coworkers. Be able to work flexible hours, and overtime as needed. Have reliable transportation to and from work. Have 3 years of experience in a working environment.

** This role is for immediate hire ** The Credit Risk Data Analyst is responsible for being an analytical leader in organizing and leveraging data to drive fact-based decisions and actions. The Credit Risk Data Analyst is responsible for developing and executing a consistent and coherent set of data and analyses for effective credit risk measurement and reporting across the bank. In addition to developing analytical insights, the incumbent must collaborate across the company for implementation, data management, analytical execution, forecasting, and on-going monitoring. The ideal candidate will possess finance, strategic and analytical acumen, and demonstrate the ability to collaborate with and to influence multi-functional team members across the bank. ESSENTIAL DUTIES AND RESPONSIBILITIES: Synthesize credit data to provide analysis and conclusion for management, Board and Regulatory reports, including standard and ad-hoc requests, as needed. Provide analytical insights for executive management and the board of directors on credit trends and emerging risks in portfolios. Work with the analytics teams and data originators and users for consistency of use of data assets, as well as to eliminate redundancies and non-sanctioned variations. Partner with lines of business to address root causes that create data quality issues. Use analytical and technical skills for improving data quality and business insights, as well as influencing business process design. Cultivate cross-functional relationships between business units to ensure insights become actionable and drive desirable business outcomes. Utilize data handling and mining tools to support proactive data quality program focusing on business intelligence and analytics applications. Standardize credit data definitions and classifications and ensuring that a data trail is effectively documented within the processes associated with accessing, retrieving, exchanging, reporting, managing, and storing of data. Research data integrity issues when discrepancies are found. Run various reports to self-audit data and/or work with staff in the field to correct data as appropriate to ensure accuracy. Lead resolution to external and internal audit inquiries and supporting documentation. Proactively identify and evaluate emerging analytics software, technologies, and tools. EDUCATION and/or EXPERIENCE: MA/MS in Statistics or Quantitative field preferred. 7+ years of progressive, related experience. Strong analytic skills, knowledge of statistical software, and problem-solving ability are a must. Knowledge in credit risk analytics, loan loss reserving process, loss forecasting, probability of default and risk rating development. Provide attention to detail and ensure data accuracy. Extensive programming skills with: SQL, SAS, Python, SAS/Stat, SAS Enterprise Miner, and/or R/Python. Visualization software such as SAS Visual Analytics and Power BI. Self-motivated to proactively learn and solve complex business problems. The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: This job is responsible for managing, monitoring, and documenting credit risk for a portfolio of clients. Key responsibilities include monitoring changes in credit profiles, compliance with credit agreements as well as structuring and underwriting new financing solutions across the Global Banking and Markets product spectrum. Job expectations may include assessing risk solutions which adhere to the bank's risk appetite and risk strategies and coaching and leading team members. In Dealer Financial Svs, assigned as a market or industry level resource, the Credit Officer II is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions. The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing. Involvement with monitoring activities/approvals is also part of the responsibilities. The Credit Officer II maintains knowledge of other BofAML products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. The role is balanced between analysis of clients and prospects and their industries, design and execution of credit solutions, and the active management of asset quality. Client facing, the Credit Officer II collaborates with the Relationship Manager (RM), Treasury Solutions Officer (TSO), and other product partners, when needed, to assess client needs, design integrated solutions and deliver the bank to clients and prospects. Responsibilities: * Oversees and assesses the credit worthiness of borrowers based on due diligence findings, financial statement analysis, forecasting, analysis of company and industry risks, terms and conditions, and relationship profitability to provide high quality credit approval to Corporate Banking, Investment Banking, Global Markets, and Treasury * Exercises Delegated Approval Authority using sound judgment and expertise to make approval decisions for the business including new lending limits, structuring and negotiating deal terms, credit worthiness, annual reviews and renewals, risk ratings, and breach actions * Acts as a senior coverage team resource supporting ongoing credit matters and asset quality, maintaining adherence to the bank's risk appetite and risk strategies to mitigate losses while identifying opportunities to responsibly growing the loan portfolio * Leads new credit originations in coordination and collaboration with the coverage teams including Relationship Managers, Risk, Syndications, Treasury, and all other product partners * Negotiates and structures legal documentation related to loans and derivatives * Establishes appropriate internal risk ratings for clients and implements accurate adjustments throughout the client's credit life cycle * Trains, coaches, and mentors Credit Analysts and Associates * Serves as a key member of the Commercial Client Team in handling the clients financial needs, ensuring that the overall client experience is favorable, and that the bank is in a position to expand the relationship. Interacts with clients and prospects to understand their financial goals and objectives, current and future financial performance, and their needs and desires for their banking relationship * Working closely with the client team, the role of the Credit Officer in the credit process is the guidance and oversight of underwriting, structuring, and documentation of credit requests on an assigned portfolio * Includes an evaluation of the financial standing of the client or prospect and the appropriateness of the existing or proposed credit structure, and suggestion of any changes to help optimize the relationship * Underwrite and structure complex credit transactions with minimal oversight * Some travel time with face-to-face interaction with our dealer clients * Involved in the negotiation and closing process for transactions in portfolio * Oversees the monitoring of their assigned portfolio to maintain credit quality, and to ensure timely recognition and management of any changes via the use of the bank's proprietary risk rating tool, and the review of various compliance, exception and past due reports Required Qualifications: * Minimum of 7 years commercial credit underwriting an analysis with a commercial bank or OEM captive finance organization. * Strong knowledge and comprehension of loan and collateral documentation * Ability to accurately analyze borrower's financial picture and deliver a comprehensive risk analysis to manager and risk officers * Confidence and ability to develop an independent viewpoint and present a business case to support conclusions * Excellent relationship management skills, experience working in a team environment, ability to help influence constituencies with diverse views towards consensus * Coaching and mentoring skills * Strong Microsoft Office Skills Desired Qualifications: * Minimum of 10 years commercial credit underwriting and analysis with a commercial bank or OEM captive finance organization in the auto retail space. Direct customer-facing experience in a goal-oriented environment. * Bachelor's degree in Finance or Accounting Skills: * Analytical Thinking * Credit and Risk Assessment * Financial Analysis * Loan Structuring * Underwriting * Attention to Detail * Business Acumen * Financial Forecasting and Modeling * Research Analysis * Written Communications * Business Development * Collaboration * Critical Thinking * Portfolio Analysis * Stakeholder Management Shift: 1st shift (United States of America) Hours Per Week: 40

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