Credit analyst jobs in Columbia, SC - 409 jobs

RESPONSIBILITIES: Good computer skills related to machinery control. Working knowledge of word processor programs and spreadsheets (Microsoft Office) Working Knowledge of related test equipment (oscilloscope, multimeter, recorders, megohmeter, digital low resistance OHM meters, etc.). Program, maintain, troubleshoot, and repair Programmable Logic Controllers utilizing PC and manufacturer's programming software. Recognize and correct potential problems in programs on new equipment installs as well as streamline programs for maximum efficiency and safety. Install, calibrate, troubleshoot, and repair process instrumentation and control equipment such as PID loop controllers, I/P and E/P converters, pressure transducers, and pneumatic actuators. Maintain, calibrate, troubleshoot and repair electronic scales and other ingredient weighing devices to include documentation to ensure ISO 9000 requirements are met. Setup, program, troubleshoot, and repair variable speed AC and DC drive systems and related instrumentation and control equipment such as tach generators, pulse encoders, strain gauges, and dancer control systems. Install, maintain, troubleshoot, and repair process laser micrometer measuring equipment and associated instrumentation and control equipment. Assist Facilities Engineering in specifying, installing, and commissioning of new equipment. Assist Process Engineering and Production personnel on implementation of processes and design changes. Communicate with vendors for repair/purchase of equipment. Ability to work independently or in a team environment as needed to achieve objectives. GENERAL OBJECTIVE The Electronics Analyst is responsible for solving problems not resolved by plant electricians. This includes working closely with electricians to resolve problems and requires mechanical knowledge of the equipment.

The application window is expected to close on: Job posting may be removed earlier if the position is filled or if a sufficient number of applications are received. Meet the Team The Credit Portfolio Analytics & Operations team manages the global portfolio-level credit risk for Cisco Capital and Cisco Systems on more than $30B of short and long-term lending to customers via leases and loans, accounts receivables, contract assets, and channel guarantees. The team is part of the larger Capital Markets and Underwriting organization which supports Cisco Capital and the Sales teams within Finance. We are a small diverse collaborative team that identifies and tracks economic and financial risks, reports on key portfolio metrics, and supports the underwriting, accounting, workout, and collection functions in setting risk ratings, credit limits, CECL reserves, and non-performing loss mitigation. Team members are intellectually curious individuals with unique perspectives constantly looking to improve our world-class risk management. We maintain a high standard of risk controls, while economic and technological changes are crafting clear opportunities for innovation in our processes and approach. Your Impact You will be responsible for monitoring, validating, updating, and improving automated underwriting scorecards and related controls, including the integration of AI prompting, for use by the underwriting team to accelerate the approval of credit limits for lending. In collaboration with the portfolio analytics team and credit operations, you will help propose periodic adjustments to benchmark metrics and scorecard credit limits based on changes in the credit cycle or portfolio correlations (VaR) for approval by the Chief Credit Risk Officer. With some experience, you will modify and develop new scorecards to address opportunities resulting from new data sources, analysis, and AI improvements. Organizational skills, data management, an analytical attitude, and a collaborative disposition will be key to your ability to set up and consistently update and analyze relevant data due to multiple sources of information, consolidation processes, and credit workflows. Success can be realized by helping to improve underwriting consistency, accuracy, and efficiency with the potential to change our approach to the approval process and the company's ability to scale the business. Use financial, credit, and statistical analysis to assess credit risk across large data sets. Collaboratively build and maintain a ‘dashboard' and periodic readout of KPIs related to automated scorecard use and full underwriting approvals. Identify trends, portfolio characteristics, anomalies, and ideas to make recommendations for underwriting and operational improvements. Apply credit agency ratings, financial disclosures, credit metrics, probabilities of default (e.g. Merton Model estimates), payment delinquencies, general fixed income concepts, and third-party quantitative models as needed to analyze and improve scorecards. Optimize competing objectives and conflicting information to maximize credit model efficiency without compromising risk controls. Contribute to related ad-hoc analysis, projects, and presentations which support team processes and requests from senior leaders. Be prepared to adapt to new opportunities. Bring an awareness of economics and credit-related events for comparison with historical cycles to interpret the impact on current market dynamics and the credit portfolio. Add your voice to a geographically dispersed team with relevant insights into the challenges facing the people, businesses, and industries that make up our customers. Minimum Qualifications Credit experience, or a strong grasp of credit risk based on related commercial lending, fixed income portfolio management, capital markets, treasury, investment banking, or accounting experience. Experience performing basic to intermediate statistical analysis including regressions. Intermediate to advanced Excel experience including pivot tables, API queries, and any statistical package. Experience developing and presenting in PowerPoint to leaders. Undergraduate or graduate degree in Finance, Accounting, Economics, Statistics, Business, Math, Engineering, or a related field. Preferred Qualifications 3+ years of related business experience in credit, banking, asset management, corporate finance, or financial consulting. CFA, FRM, PRM, CFP, or similar accreditation is desirable. MBA or graduate degree in a related field or Bachelor with extensive experience Experience with S&P CapIQ (or other data providers and their platforms such as Bloomberg, Moody's, BvD, MSCI, LSEG Data & Analytics (Refinitiv Eikon), FactSet, etc.) Experience with SQL, Power BI, Business Objects, Python, or other data and finance-related tools. Experience with backtesting, VaR analysis, or other forms of stress testing. Why Cisco? At Cisco, we're revolutionizing how data and infrastructure connect and protect organizations in the AI era - and beyond. We've been innovating fearlessly for 40 years to create solutions that power how humans and technology work together across the physical and digital worlds. These solutions provide customers with unparalleled security, visibility, and insights across the entire digital footprint. Simply put - we power the future. Fueled by the depth and breadth of our technology, we experiment and create meaningful solutions. Add to that our worldwide network of doers and experts, and you'll see that the opportunities to grow and build are limitless. We work as a team, collaborating with empathy to make really big things happen on a global scale. Because our solutions are everywhere, our impact is everywhere. We are Cisco, and our power starts with you. Cisco is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation, national origin, genetic information, age, disability, veteran status, or any other legally protected basis U.S. employees have access to quality medical, dental and vision insurance, a 401(k) plan with a Cisco matching contribution, short and long-term disability coverage, basic life insurance and numerous wellbeing offerings. Competitive salary range: $99,100-128,700 Accommodations for Disabled and Neurodivergent Applicants We offer the necessary guidance and access to assistive technology and services to support your application process. If you require assistance or accommodations during the application, interview, or hiring process, please contact us. Cisco is an Affirmative Action and Equal Opportunity Employer. Why Cisco? At Cisco, we're revolutionizing how data and infrastructure connect and protect organizations in the AI era - and beyond. We've been innovating fearlessly for 40 years to create solutions that power how humans and technology work together across the physical and digital worlds. These solutions provide customers with unparalleled security, visibility, and insights across the entire digital footprint. Fueled by the depth and breadth of our technology, we experiment and create meaningful solutions. Add to that our worldwide network of doers and experts, and you'll see that the opportunities to grow and build are limitless. We work as a team, collaborating with empathy to make really big things happen on a global scale. Because our solutions are everywhere, our impact is everywhere. We are Cisco, and our power starts with you. Message to applicants applying to work in the U.S. and/or Canada:The starting salary range posted for this position is $99,100.00 to $128,700.00 and reflects the projected salary range for new hires in this position in U.S. and/or Canada locations, not including incentive compensation*, equity, or benefits. Individual pay is determined by the candidate's hiring location, market conditions, job-related skillset, experience, qualifications, education, certifications, and/or training. The full salary range for certain locations is listed below. For locations not listed below, the recruiter can share more details about compensation for the role in your location during the hiring process. U.S. employees are offered benefits, subject to Cisco's plan eligibility rules, which include medical, dental and vision insurance, a 401(k) plan with a Cisco matching contribution, paid parental leave, short and long-term disability coverage, and basic life insurance. Please see the Cisco careers site to discover more benefits and perks. Employees may be eligible to receive grants of Cisco restricted stock units, which vest following continued employment with Cisco for defined periods of time. U.S. employees are eligible for paid time away as described below, subject to Cisco's policies: 10 paid holidays per full calendar year, plus 1 floating holiday for non-exempt employees 1 paid day off for employee's birthday, paid year-end holiday shutdown, and 4 paid days off for personal wellness determined by Cisco Non-exempt employees** receive 16 days of paid vacation time per full calendar year, accrued at rate of 4.92 hours per pay period for full-time employees Exempt employees participate in Cisco's flexible vacation time off program, which has no defined limit on how much vacation time eligible employees may use (subject to availability and some business limitations) 80 hours of sick time off provided on hire date and each January 1st thereafter, and up to 80 hours of unused sick time carried forward from one calendar year to the next Additional paid time away may be requested to deal with critical or emergency issues for family members Optional 10 paid days per full calendar year to volunteer For non-sales roles, employees are also eligible to earn annual bonuses subject to Cisco's policies. Employees on sales plans earn performance-based incentive pay on top of their base salary, which is split between quota and non-quota components, subject to the applicable Cisco plan. For quota-based incentive pay, Cisco typically pays as follows: .75% of incentive target for each 1% of revenue attainment up to 50% of quota; 1.5% of incentive target for each 1% of attainment between 50% and 75%; 1% of incentive target for each 1% of attainment between 75% and 100%; and Once performance exceeds 100% attainment, incentive rates are at or above 1% for each 1% of attainment with no cap on incentive compensation. For non-quota-based sales performance elements such as strategic sales objectives, Cisco may pay 0% up to 125% of target. Cisco sales plans do not have a minimum threshold of performance for sales incentive compensation to be paid. The applicable full salary ranges for this position, by specific state, are listed below: New York City Metro Area: $119,400.00 - $178,300.00 Non-Metro New York state & Washington state: $104,100.00 - $158,100.00 * For quota-based sales roles on Cisco's sales plan, the ranges provided in this posting include base pay and sales target incentive compensation combined. ** Employees in Illinois, whether exempt or non-exempt, will participate in a unique time off program to meet local requirements.

Inside the Role The Fleet Credit Specialist is responsible for DTFS commercial retail and lease acquisitions for Fleet customers above $1.25MM outstanding with DTFS. Our Analyst demonstrate account knowledge, industry and customer business understanding, financial statement analysis, negotiations techniques and strategic solutions. We also maintain positive relationships with DTFS Sales Team and Dealer network to assist with profitable growth in the portfolio. Fleet Credit Analyst will work closely with inside and Outside Legal Counsel, Fleet Workout, Sales, Remarketing, Fleet Services, Titles and Dealer Credit teams. The position involves account knowledge, industry and customer business understanding, financial statement analysis, negotiations techniques and strategic solutions. The team has members with extensive and vast experiences, enjoys great camaraderie and support, knowledge sharing and teamwork. Posting Information We provide a scheduled posting end date to assist our candidates with their application planning. While this date reflects our latest plans, it is subject to change, and postings may be extended or removed earlier than expected. We Take Care of Our Team Pay offered dependent on knowledge, skills, and experience Benefits include annual bonus program; 401k company contribution with company match up to 8% as well as non-elective company contribution of 3 - 7% depending on age; starting at 4 weeks paid vacation; 13+ calendar holidays; 8 weeks paid parental leave; employee assistance program; comprehensive healthcare plans and wellness programs; onsite fitness (at some locations); tuition assistance and volunteer paid time off; short-term and long-term disability plans. What You Drive At DTFS Analyze the financial condition for Fleet borrowers with DTFS outstanding balance that exceed $1.25MM, or requesting a line of credit. Perform timely reviews of Fleet borrowers with outstanding balances in excess of $1MM. For credit files outside of limits of authority, present sound and reasoned recommendations to the appropriate approving authorities, such as Local, Local + Senior, and Executive Credit Committee. Build positive relations and work with District Finance Managers (DFMs) on buying strategies to ensure proper credit risk and returns are achieved. Participate in joint Sales calls and Customer/Dealer visits, when necessary. Have an understanding of all Fleet-related legal documentation to remain complaint. Ensure compliance with all applicable regulations including both the Local and Global Credit Rules. Share knowledge with team members to increase overall team performance. Assist in department projects, process improvement, supporting company values and customer experience. Knowledge You Should Bring BS/BA or 6 years of relevant experience in lieu of degree Required proficiency in speaking and writing French 2 years of financial services experience 1 year of experience in underwriting or credit risk assessment Microsoft Suite and Corporate mainframe knowledge Ability to collect data and establish facts and identity trends and variances Ability to integrate information from a variety of sources with varied levels of complexity Ability to formulate and test hypotheses for the purpose of forecasting outcomes Ability to review, interpret and evaluate statistical information Assist in department projects and process improvement Support company values and create a positive customer experience Strong verbal and presentation skills. Able to communicate clearly and confidently in meetings, presentations, and team settings Strong attention to detail Exceptional Candidates Might Have Bachelor's Degree in Accounting; Business Administration; Economics; Finance; Statistics 2 years of Commercial Lending experience in the Transportation Industry 2 years Financial analysis and presentation skills 1 years Moody's software application experience Knowledge in DTF systems and applications preferred: ALFA, PEGA, ECP, Credit Lens, Legal Documentation, UCC code #DTFSUSA #LI-Hybrid Where We Work This position is open to applicants who can work in (or relocate to) the following location(s)- Charlotte, NC US, Fort Mill, SC US. Relocation assistance is not available for this position. Schedule Type: Hybrid (4 days per week in-office / 1 day remote). This schedule builds our #OneTeamBestTeam culture, provides an unparalleled customer experience, and creates innovative solutions through in-person collaboration. Daimler Truck Financial is the captive financial services provider for the Daimler Trucks North America family of commercial vehicle products, including Freightliner Trucks, Western Star, SelecTrucks, Sprinter Vans, Thomas Built Buses and Fuso. We have specialized in financing commercial vehicles for more than 40 years. This proven experience gives us critical insights into helping businesses overcome challenges unique to the trucking industry. Additionally, we offer a range of financing solutions that can be customized to meet each individual business's needs, from owner-operators to large fleet managers and nearly every venture in-between. To achieve our goal of being the first-choice provider of vehicle financial products and services that support our brands, dealers and customers, we are looking for talented, diverse and inspired people with the skills, experience and innovative spirit to provide a first-class experience at every turn. We are committed to providing a great workplace environment that fosters a culture of openness, support and camaraderie. Our employee programs and benefits are reflective of our values and are designed to promote growth, balance and wellness in many aspects of your career and life. Additional Information Applicants must be legally authorized to work permanently in the country of posting Final candidate must successfully complete a criminal background check Contractors, professional services, or other contingent workers should confirm with their local agency if they are eligible to apply for FTE positions EEO - Disabled/Veterans Daimler Truck Financial Services is committed to workforce inclusion and providing an environment where equal employment opportunities are available to all applicants and employees without regard to race, color, sex (including pregnancy), religion, national origin, age, marital status, family relationship, disability, sexual orientation, gender identity and expression (including transgender and transitioning status), genetic information, or veteran status. For an accommodation or special assistance with applying for a posted position, please contact our Human Resources department at ************ or toll free ************. For TTY/TDD enabled call ************ or toll free ************

We are seeking a Chief Credit Officer for AgSouth Farm Credit, a $5.4 billion Association headquartered in Statesville, NC. The Chief Credit officer (CCO) is responsible for strategic oversight of credit and appraisal operations. The CCO works directly with the CEO to execute the Association's delivery of sound credit and appraisals services to customers. This position contributes to the overall leadership of the Association through participation at the executive level in the development of strategic objectives, operating objectives, and plans. Responsibilities: Credit Underwriting & Administration Oversight: This role oversees the Association's credit underwriting and administration functions to ensure strong portfolio quality and alignment with strategic goals. Responsibilities include overseeing underwriting practices, ensuring sound loan decisions and documentation, and reviewing credit compliance. The position approves higher authority loans, manages collateral valuation in partnership with the Chief Appraiser, and ensures appraisal reviews are properly reported. It also oversees loan authority delegation for Loan Officers and safeguards the Association's interests by enforcing FCA regulations and internal lending policies. Credit & Appraisal Team Leadership: This role oversees the credit and appraisal management teams, providing supervision, coaching, and development to ensure strong credit decisioning and service delivery. Responsibilities include establishing appropriate individual performance goals, monitoring engagement and results, and partnering with Learning and Development to support ongoing training and professional growth. Credit Risk Administration & Leadership: This role supports enterprise credit risk management by partnering with the Chief Risk Officer to ensure strong controls across the credit function. It provides high level loan approval authority, participates in Management and Corporate Loan Committees, and ensures loans requiring FCB approval are properly submitted. The position also maintains productive relationships with the Farm Credit Administration, System credit committees, and key industry groups to strengthen financial performance and organizational effectiveness. Requirements: • Education and/or experience equivalent to a bachelor's degree in business administration, finance, agricultural economics or related corporate field required; MBA or advanced education preferred and/or a certificate from a graduate school of banking • Minimum 10-15 years of challenging business experience with demonstrated leadership and management skills • Ability to communicate (written and verbal) effectively with all levels of the organization, including the internal staff, the Board of Directors, and external contacts • Expert knowledge and understanding of business and sales management, finance, and economics • Expert knowledge of credit and financing structure, complex financial structuring and troubled credit resolution • Broad knowledge of agriculture • Ability to build and maintain effective working relationships with all levels of management, staff and board of directors • Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Association • Ability to travel extensively across the organization to carry out essential responsibilities of the job Why AgSouth? Part of the National Farm Credit System, AgSouth supports the financial needs of rural communities in Georgia, South Carolina, and North Carolina. We recognize that happy employees create happy customers, and we work to give our employees the tools they need to succeed and enjoy working. At AgSouth, you have an opportunity to make a difference for agriculture and rural communities while elevating your career. When you work here, you are part of a cooperative that provides financing to farmers, businesses and homeowners in rural America. At AgSouth, we value your skills and unique perspective. We aim to give our employees room to grow both personally and professionally. We hope you will find more than just a job here and that it becomes a fulfilling career that allows you to use your abilities to be your best self and a part of our work family. What can we offer you? • Competitive pay, with paid vacation, holidays and sick leave, as well as paid time off for volunteering. • Corporate incentive plan with spot bonuses for top-notch work. • Medical, dental and vision insurance, as well as life and disability insurance. • Flexible spending and health savings accounts. • Generous 401(k) matching contributions, as well as additional employer contributions. • Reimbursement for approved higher education pursuits. • A wellness program for employees, which includes resources for a healthier lifestyle. • Corporate learning programs for professional development. • Other perks, such as employee discounts on select cell phone providers, computers, etc. Other Details: The preferred location for this position is Statesville, NC. AgSouth is an Equal Opportunity Employer, including veterans and individuals with disabilities.

About Us Founded in 1908, Merz is a successful, family-owned specialty healthcare company with a rich history. As a leading global aesthetics business, our award-winning portfolio of injectables, devices, and skincare products empowers healthcare professionals to enhance confidence through aesthetic medicine. Our purpose is to fuel confidence by helping people look better, feel better, and live better. We believe you do not have to choose between living life and making a living. Live your best life with Merz Aesthetics. A Brief Overview The credit analyst is responsible for analyzing credit data and analyzing the financial information of current customer accounts. They assess credit risk and the credit worthiness of new and existing customers. The credit analyst evaluates accounts for extended credit terms. They also partner with the field sales team and with the customers to resolve account delinquencies. What You Will Do Credit Review accounts that have orders flagged for credit review. If necessary, contact customer to resolve issue so order can be released for shipment Risk analysis Process creditworthiness by pulling Experian report, and analyzing customer payment history to determine payment terms and order eligibility on existing customer account Collections Contact accounts that have past due balances, providing additional payment options to customers experiencing financial difficulty, and processing payments Research Respond to customer requests for research of an issue that is creating a delay in customers' ability to pay invoices on time Cross-functional Collaboration Working with Customer Solutions and Field Sales Team to resolve issues with accounts that create delays in order processing and shipping Customer Master Data Performing Risk Analysis, determining credit worthiness, and assigning appropriate credit limits on new accounts. Reporting Pulling relevant data for assigned region to discuss with AR Manager, to include showing percentage of increased or decreased past due balances in each area of delinquency Specialty Projects Participation in projects as assigned by Senior AR Manager Minimum Requirements High School Diploma 1-2 years experience as a Credit or Financial Analyst or other relevant experience Preferred Qualifications Bachelor's Degree in Finance, Accounting or related field Technical & Functional Skills Strong mathematical and analytical skills SAP experience Strong knowledge of Microsoft Office (especially Excel) Ability to research and evaluate data Strong problem-solving skills Ability to interpret credit reports (i.e., Experian, Dun & Bradstreet) Strong interpersonal skills Strong communication skills Ability to work independently or as a group No relocation assistance Must reside in Raleigh NC

What You'll Do: - Collaborate with internal stakeholders and vendor partners to execute the credit analysis roadmap. - Align credit analysis capabilities with enterprise strategic initiatives and business objectives. - Maintain cross-functional partnerships to ensure successful product delivery. - Write product features, user stories, and acceptance criteria for credit analysis tools. - Refine and prioritize backlog items to meet business and regulatory needs. - Ensure compliance with governance standards for product documentation and releases. - Provide technical support and resolve operational issues related to credit analysis systems. - Deliver training and system documentation to staff, associations, and support teams. - Communicate system updates and validate release components for quality assurance. - Participate in special projects and continuous learning to stay current with industry practices. What You'll Need: - Bachelor's degree in business, finance, accounting, or a related technical field. - Minimum of 5 years' experience in banking operations, lending, or business analysis. - Agile or product management certifications preferred. - Strong knowledge of credit analysis tools and financial spreading. - Excellent communication, organizational, and customer service skills. - Proven analytical, problem-solving, and project management abilities. - Familiarity with software development life cycle (SDLC) and agile methodologies.

About Us Founded in 1908, Merz is a successful, family-owned specialty healthcare company with a rich history. As a leading global aesthetics business, our award-winning portfolio of injectables, devices, and skincare products empowers healthcare professionals to enhance confidence through aesthetic medicine. Our purpose is to fuel confidence by helping people look better, feel better, and live better. We believe you do not have to choose between living life and making a living. Live your best life with Merz Aesthetics. A Brief Overview The credit analyst is responsible for analyzing credit data and analyzing the financial information of current customer accounts. They assess credit risk and the credit worthiness of new and existing customers. The credit analyst evaluates accounts for extended credit terms. They also partner with the field sales team and with the customers to resolve account delinquencies. What You Will Do * Credit Review accounts that have orders flagged for credit review. If necessary, contact customer to resolve issue so order can be released for shipment * Risk analysis Process creditworthiness by pulling Experian report, and analyzing customer payment history to determine payment terms and order eligibility on existing customer account * Collections Contact accounts that have past due balances, providing additional payment options to customers experiencing financial difficulty, and processing payments * Research Respond to customer requests for research of an issue that is creating a delay in customers' ability to pay invoices on time * Cross-functional Collaboration Working with Customer Solutions and Field Sales Team to resolve issues with accounts that create delays in order processing and shipping * Customer Master Data Performing Risk Analysis, determining credit worthiness, and assigning appropriate credit limits on new accounts. * Reporting Pulling relevant data for assigned region to discuss with AR Manager, to include showing percentage of increased or decreased past due balances in each area of delinquency * Specialty Projects Participation in projects as assigned by Senior AR Manager Minimum Requirements * High School Diploma * 1-2 years experience as a Credit or Financial Analyst or other relevant experience Preferred Qualifications * Bachelor's Degree in Finance, Accounting or related field Technical & Functional Skills * Strong mathematical and analytical skills * SAP experience * Strong knowledge of Microsoft Office (especially Excel) * Ability to research and evaluate data * Strong problem-solving skills * Ability to interpret credit reports (i.e., Experian, Dun & Bradstreet) * Strong interpersonal skills * Strong communication skills * Ability to work independently or as a group No relocation assistance Must reside in Raleigh NC

Inside the Role The Fleet Credit Specialist is responsible for DTFS commercial retail and lease acquisitions for Fleet customers above $1.25MM outstanding with DTFS. Our Analyst demonstrate account knowledge, industry and customer business understanding, financial statement analysis, negotiations techniques and strategic solutions. We also maintain positive relationships with DTFS Sales Team and Dealer network to assist with profitable growth in the portfolio. Fleet Credit Analyst will work closely with inside and Outside Legal Counsel, Fleet Workout, Sales, Remarketing, Fleet Services, Titles and Dealer Credit teams. The position involves account knowledge, industry and customer business understanding, financial statement analysis, negotiations techniques and strategic solutions. The team has members with extensive and vast experiences, enjoys great camaraderie and support, knowledge sharing and teamwork. Posting Information We provide a scheduled posting end date to assist our candidates with their application planning. While this date reflects our latest plans, it is subject to change, and postings may be extended or removed earlier than expected. We Take Care of Our Team Pay offered dependent on knowledge, skills, and experience Benefits include annual bonus program; 401k company contribution with company match up to 8% as well as non-elective company contribution of 3 - 7% depending on age; starting at 4 weeks paid vacation; 13+ calendar holidays; 8 weeks paid parental leave; employee assistance program; comprehensive healthcare plans and wellness programs; onsite fitness (at some locations); tuition assistance and volunteer paid time off; short-term and long-term disability plans. What You Drive At DTFS Analyze the financial condition for Fleet borrowers with DTFS outstanding balance that exceed $1.25MM, or requesting a line of credit. Perform timely reviews of Fleet borrowers with outstanding balances in excess of $1MM. For credit files outside of limits of authority, present sound and reasoned recommendations to the appropriate approving authorities, such as Local, Local + Senior, and Executive Credit Committee. Build positive relations and work with District Finance Managers (DFMs) on buying strategies to ensure proper credit risk and returns are achieved. Participate in joint Sales calls and Customer/Dealer visits, when necessary. Have an understanding of all Fleet-related legal documentation to remain complaint. Ensure compliance with all applicable regulations including both the Local and Global Credit Rules. Share knowledge with team members to increase overall team performance. Assist in department projects, process improvement, supporting company values and customer experience. Knowledge You Should Bring BS/BA or 6 years of relevant experience in lieu of degree Required proficiency in speaking and writing French 2 years of financial services experience 1 year of experience in underwriting or credit risk assessment Microsoft Suite and Corporate mainframe knowledge Ability to collect data and establish facts and identity trends and variances Ability to integrate information from a variety of sources with varied levels of complexity Ability to formulate and test hypotheses for the purpose of forecasting outcomes Ability to review, interpret and evaluate statistical information Assist in department projects and process improvement Support company values and create a positive customer experience Strong verbal and presentation skills. Able to communicate clearly and confidently in meetings, presentations, and team settings Strong attention to detail Exceptional Candidates Might Have Bachelor's Degree in Accounting; Business Administration; Economics; Finance; Statistics 2 years of Commercial Lending experience in the Transportation Industry 2 years Financial analysis and presentation skills 1 years Moody's software application experience Knowledge in DTF systems and applications preferred: ALFA, PEGA, ECP, Credit Lens, Legal Documentation, UCC code #DTFSUSA #LI-Hybrid Where We Work This position is open to applicants who can work in (or relocate to) the following location(s)- Charlotte, NC US, Fort Mill, SC US. Relocation assistance is not available for this position. Schedule Type: Hybrid (4 days per week in-office / 1 day remote). This schedule builds our #OneTeamBestTeam culture, provides an unparalleled customer experience, and creates innovative solutions through in-person collaboration. Daimler Truck Financial is the captive financial services provider for the Daimler Trucks North America family of commercial vehicle products, including Freightliner Trucks, Western Star, SelecTrucks, Sprinter Vans, Thomas Built Buses and Fuso. We have specialized in financing commercial vehicles for more than 40 years. This proven experience gives us critical insights into helping businesses overcome challenges unique to the trucking industry. Additionally, we offer a range of financing solutions that can be customized to meet each individual business's needs, from owner-operators to large fleet managers and nearly every venture in-between. To achieve our goal of being the first-choice provider of vehicle financial products and services that support our brands, dealers and customers, we are looking for talented, diverse and inspired people with the skills, experience and innovative spirit to provide a first-class experience at every turn. We are committed to providing a great workplace environment that fosters a culture of openness, support and camaraderie. Our employee programs and benefits are reflective of our values and are designed to promote growth, balance and wellness in many aspects of your career and life. Additional Information Applicants must be legally authorized to work permanently in the country of posting Final candidate must successfully complete a criminal background check Contractors, professional services, or other contingent workers should confirm with their local agency if they are eligible to apply for FTE positions EEO - Disabled/Veterans Daimler Truck Financial Services is committed to workforce inclusion and providing an environment where equal employment opportunities are available to all applicants and employees without regard to race, color, sex (including pregnancy), religion, national origin, age, marital status, family relationship, disability, sexual orientation, gender identity and expression (including transgender and transitioning status), genetic information, or veteran status. For an accommodation or special assistance with applying for a posted position, please contact our Human Resources department at ************ or toll free ************. For TTY/TDD enabled call ************ or toll free ************

The Credit Analyst is responsible for evaluating and monitoring the creditworthiness of customers, ensuring sound credit decisions, timely collections, and compliance with all applicable laws. This role involves analyzing credit applications, reviewing personal and business credit, processing payments, and managing delinquent accounts. The ideal candidate will possess strong analytical skills, a solid understanding of credit risk, and knowledge of construction and lien laws as they relate to the building materials industry. Key Responsibilities Credit Evaluation & Account Management Evaluate new and existing customer credit applications in accordance with company policy. Obtain and interpret credit reports through Equifax, NACM (National Association of Credit Management), and other internal resources. Review personal guarantees and assess personal credit when guarantees are provided. Verify and document references. Review customer account activity including invoices, payments, credit memos, and account aging. Apply cash processing and reconciliation procedures to ensure payment accuracy. Recommend credit limits and terms based on risk assessment and payment history. Delinquency & Recovery Actions Monitor delinquent accounts and take proactive measures to collect outstanding balances. Develop and implement collection strategies that balance relationship management and financial responsibility. Coordinate recovery actions including payment plans, credit holds, or legal referrals as appropriate. Assess when legal action is necessary for debt recovery. Document all collection activity in compliance with internal procedures. Compliance & Regulations Ensure all credit and collection practices comply with state and federal collection laws (e.g., Fair Debt Collection Practices Act). Apply knowledge of construction lien and bond laws to protect company interests and secure payment rights. Maintain accurate and confidential customer credit records and files. Industry & Relationship Management Collaborate with sales, branch management, and accounting teams to align credit decisions with business goals. Communicate effectively with subcontractors, general contractors, and owners/builders to resolve payment or credit issues. Stay informed on construction market trends and regulatory changes impacting credit and collections. Preferred Qualifications Education: Associate or Bachelor's degree in Finance, Accounting, Business Administration, or related field preferred. Experience: 2+ years in credit analysis, accounts receivable, or collections-preferably in the construction supply or distribution industry. Skills & Knowledge: Proficiency with Equifax, NACM, and ERP/accounting systems. Strong knowledge of credit risk analysis, debt recovery, and lien/bond rights. Familiarity with state and federal collection regulations. Excellent negotiation, communication, and analytical skills. Proficient in Microsoft Excel and reporting tools. Core Competencies Analytical Thinking & Problem Solving Professional Communication Integrity & Confidentiality Customer Service Orientation Attention to Detail Initiative & Follow-Through Benefits Health, dental, and vision insurance. 401(k) with company match. Paid holidays and vacation. Employee referral program. Bonus Opportunity Salary: $50,000-$65,000/year

Why GLS? Purpose: Access to affordable, reliable transportation is essential to leading productive work and personal lives, caring well for oneself, one's family, and the needs of others. Through advanced analytics and technology, we can more accurately predict credit risk and provide more people with an affordable auto financing option for their next vehicle. That's what GLS has done for over 10 years, helping more than half a million families meet and improve their transportation needs. People: Join a culture of over 1,000 employees who Care Deeply and Think Boldly , driving innovation in an adaptive and positive culture that celebrates successes. We empower and reward individuals and teams who make direct, positive impacts to the business and each other, who take pride in their work and are ever-raising the bar. Growth: Recognized by Inc 5000 as one of the fastest-growing private companies in America. Join GLS to grow with us! Benefits: GLS offers the below great benefits for your amazing work!o Competitive base pay and performance bonuses, dependent on roleo Medical, dental, vision, telemedicine, supplemental insurance benefits, long-term and short-term disabilityo 401K with employer match and 100% immediate vestingo Paid Time Off (PTO) and paid company holidays to help you balance work and personal lifeo Paid Volunteer Time Off (VTO) Annuallyo Tuition Reimbursement o Parental Leave o Business casual work environment What does it mean to be a Credit Specialist II at GLS?The Credit Specialist II is responsible for reviewing all requests for exceptions to established credit policy to ensure such exceptions meet company tolerance. This position will also serve as a primary resource for departmental training initiatives. How will you drive value within the organization a Credit Specialist II ? Work in conjunction with senior leadership to establish, document, continuously evaluate, and modify as necessary the criteria for loans that may qualify for an exception Review all requests for exceptions to established credit policy to ensure such exceptions meet company tolerance Provide meaningful and timely coaching and feedback related to exception requests that are not within company tolerance Track, document, and report to senior leadership trends related to policy exceptions Act as the primary resource in the development and delivery of departmental training Foster a collaborative culture that facilitates the achievement of business plan objectives by working closely with other associates and members of management What should you already know to be successful as a Credit Specialist II? Minimum of bachelor's degree required A minimum of five (5) years of underwriting experience required Thorough knowledge of credit-related laws, consumer lending/underwriting concepts, practices, and procedures required Ability to multi-task, prioritize, and effectively manage and work within a team Ability to solve problems under pressure and provide creative solutions when necessary Proficient computer skills with working knowledge of internet and standard business applications such as Microsoft Office; ability to quickly learn new computer applications as required Commitment to exemplifying the organizational core values and key competencies Employment Requirements: Talk and hear to exchange accurate information Have close visual acuity to perform activities such as: preparing and analyzing data and figures; viewing a computer terminal; extensive reading This is an exempt-level position whereby business needs will dictate the exact work schedule which should be expected to vary, at times coverage until 8:00p may be necessary The position does not require travel 2023 California Applicant Privacy NoticeGLS participates in the E-Verify program to confirm the employment eligibility of all newly hired employees Please visit *************** for information about our great company and other amazing opportunities Applicants have rights under Federal Employment LawsFamily and Medical Leave Act (FMLA) Equal Employment Opportunity (EEO) Employee Polygraph Protection Act (EPPA)

We are the leading provider of worldwide smart end-to-end supply chain & logistics, enabling the flow of trade across the globe. Our comprehensive range of products and services covers every link of the integrated supply chain - from maritime and inland terminals to marine services and industrial parks as well as technology-driven customer solutions. The Senior Credit Analyst plays a pivotal role in safeguarding DP World's financial integrity and enabling sustainable growth across Freight Forwarding and Contract Logistics. This position is responsible for designing and enforcing robust credit policies, managing the end-to-end customer credit application process, and ensuring risk-adjusted credit limits and payment terms are aligned with business objectives. By combining analytical rigor with sound judgment, the Senior Credit Analyst supports operational excellence, strengthens customer relationships, and contributes directly to the profitability and resilience of the business. KEY ACCOUNTABILITIES * Develop, implement, and continuously refine credit policies and procedures to ensure consistency, compliance, and alignment with global standards * Oversee the full credit application lifecycle, including reviewing financials, assessing creditworthiness, and approving credit limits and payment terms * Identify, evaluate, and monitor credit risks across customer portfolios; recommend proactive measures to minimize exposure * Partner with contract logistics and freight forwarding teams to embed credit controls into daily operations, ensuring seamless execution * Work closely with finance, sales, and operations teams in the US, Mexico, and ARO regions to balance commercial opportunities with financial prudence * Drive process enhancements, leverage technology, and adopt best practices to improve efficiency, accuracy, and transparency in credit management * Represent DP World's values and principles in all interactions, promoting integrity, accountability, and safety * Perform additional responsibilities as assigned to support evolving business needs QUALIFICATIONS, EXPERIENCE AND SKILLS * Undergraduate degree in Finance or a related discipline * 5-7 years of progressive credit analysis experience, with a proven ability to design and implement credit policies * Background in logistics or freight forwarding is a strong asset, providing insight into sector-specific risks and opportunities * Strong ability to interpret financial data, assess creditworthiness, and identify risk exposure with precision * Exceptional written and verbal communication skills; able to influence stakeholders and present complex information clearly to diverse audiences * Skilled at diagnosing root causes, developing innovative solutions, and navigating ambiguity with confidence * Meticulous in reviewing data and documentation, ensuring accuracy and compliance in all credit decisions * Adept at spotting gaps in logic, evaluating alternatives, and making sound, evidence-based recommendations * Comfortable working independently while thriving in cross-functional, multicultural teams; builds trust and alignment across finance, operations, and sales * Proactive in managing competing priorities, consistently meeting deadlines, and driving outcomes that support business growth * Maintains the highest standards of discretion and ethical conduct in handling sensitive financial information * Advanced skills in Microsoft Office Suite (Excel, Word, PowerPoint, Visio); ability to leverage tools for reporting and analysis * Willingness to travel internationally (30-50%) to support audits and on-site reviews * Fluency in English; additional languages (Arabic, Spanish, French, Mandarin, Hindi) are considered a valuable asset Please note: This position does not offer sponsorship for employment visas. Applicants must be legally authorized to work in The United States without sponsorship now or in the future. ABOUT DP WORLD Trade is the lifeblood of the global economy, creating opportunities and improving the quality of life for people around the world. DP World exists to make the world's trade flow better, changing what's possible for the customers and communities we serve globally. With a dedicated, diverse and professional team of more than 115,000 employees from 160 nationalities, spanning 78 countries on six continents, DP World is pushing trade further and faster towards a seamless supply chain that's fit for the future. We're rapidly transforming and integrating our businesses -- Ports and Terminals, Marine Services, Logistics and Technology - and uniting our global infrastructure with local expertise to create stronger, more efficient end-to-end supply chain solutions that can change the way the world trades. What's more, we're reshaping the future by investing in innovation. From intelligent delivery systems to automated warehouse stacking, we're at the cutting edge of disruptive technology, pushing the sector towards better ways to trade, minimizing disruptions from the factory floor to the customer's door. DP World is on a mission to transcend boundaries and bridge the gap between all nations and cultures - not just in what we do but also in how we behave. We are dedicated to creating a culture where everyone feels respected, supported, and empowered to reach their full potential. We believe that embracing inclusion and diversity, drives innovation and growth and helps us connect people, businesses, and societies. Free minds and different perspectives are changing our world, and together we can change what's possible. WE MAKE TRADE FLOW TO CHANGE WHAT'S POSSIBLE FOR EVERYONE. DP World is committed to the principles of Equal Employment Opportunity (EEO). We strongly believe that employing a diverse workforce is central to our success and we make recruiting decisions based on your experience and skills. We welcome applications from all members of society irrespective of age, gender, disability, race, religion or belief. By submitting your resume and application information, you authorize DP World to transmit and store your information in the world-wide recruitment database, and to circulate that information as necessary for the purpose of evaluating your qualifications for this or other job vacancies. #LI-HE2 #LI-Hybrid

Job Title: Credit Analyst Status: Full Time, Non-exempt Reports: Manager of Credit & Collections Work Schedule: Monday - Friday 8:00am - 5:00pm Work Location: Corporate Office - Greensboro, NC The Credit Analyst is responsible for the prompt and efficient collection of all accounts and credit sales under their scope of responsibility. The primary focus of the Credit Analyst is on maximizing cash flow, reducing DSO and minimizing exposure to bad debt. This position is in the construction field and requires a detailed understanding and monitoring of Mechanic's Lien and Payment Bond deadlines. This individual must provide a professional demeanor and excellent customer service to customers and sales staff so that they may be able to develop and maintain strong relationships. Employment at Will: Nothing herein is intended to create a contract of employment or to guarantee employment for a definite duration. Hoffman & Hoffman, Inc. is a 100% employee-owned company focused on being #1 in the HVAC industry in providing the most innovative HVAC solutions through superior design and customer service. Duties and Responsibilities : Monitor customer accounts daily. Communicate with customers that have balances in excess of 45 days. Monitor closely all lien and bond deadlines and ensure actions are taken in a timely manner to preserve those rights. Record all collections activity in ERP system. Process credit applications and establish credit limits. Adjust credit limits as needed to account for customer payment trends and contract commitments. Address customer requests for information in a timely manner. Partner and interact with other departments as needed to resolve customer disputes. Communicate with sales staff weekly on problem accounts that are not responding to payment requests. Monitors the cash application process to ensure accurate and timely postings. Perform account reconciliations to clear up billing discrepancies. Recommends accounts to be placed on hold or turned over to collection to Credit Manager. Coordinates efforts of attorneys where needed. Compile and distribute collection reports to sales staff on a weekly basis. Review and approve tax exemption status of accounts and maintain documentation to support. Track and resolve customer service issues relating to collection with sales personnel. File required notices on construction projects as recommended by legal counsel to reduce exposure to uncollectable accounts. Coordinate the processing of customer statements on a monthly basis. Special projects as assigned. Position Requirements: Bachelor's or Associate's Degree preferred or a minimum of 2 years credit/collections experience. Experience in a construction environment preferred. Must be detail oriented, results driven and able to embrace and adapt to change, along with the ability to effectively multi-task in a deadline driven atmosphere. Strong customer service skills with the ability to effectively communicate with both internal and external customers. Strong mathematical and analytical skills. Strong critical thinking and problem-solving skills. Ability to utilize the available time to organize and complete work within given deadlines and to take constructive advantage of idle periods. Ability to effectively build relationships with customers and co-workers. Excellent written and verbal communication skills and the ability to work in a professional environment are necessary. Knowledge of MS office a must, specifically Excel. Physical Demands: Standing: Frequently Walking: Frequently Sitting: Frequently Handling/Fingering: Frequently Bending: Frequently Pushing/Pulling 12 lbs. or less: Frequently Lifting/Carrying 10 lbs. or less: Frequently Lifting/Carrying 11-20 lbs.: Occasionally Reaching Outward: Occasionally Reaching Above Shoulder: Occasionally Squatting/Kneeling: Occasionally The work environment at Hoffman & Hoffman, Inc. is an open office environment in a controlled atmosphere building. This job description is intended to provide information regarding the essential functions and basic duties of this position. It is not intended to be construed as an exhaustive list of all functions, responsibilities, skills and duties that could be assigned. Additional functions and requirements may be assigned by management as it deems appropriate. This document does not constitute a contract and is subject to change at the discretion of Hoffman & Hoffman, Inc. EOE/ Disabled/Vets

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 performing more complex analysis aimed at improving portfolio risk, profitability, performance forecasting, and operational performance for consumer products and related divisions, such as credit cards. Key responsibilities include applying knowledge of multiple business and technical-related topics and independently driving strategic improvements, large-scale projects, and initiatives. Job expectations include working with business counterparts within the Line of Business and partner organizations including Risk and Product teams. The Student and Credit Builder Account Management team is seeking an Analyst responsible for managing proactive batch strategies and reactive client requests for Consumer Card credit line increases and graduation. The primary focus is to create, augment, and monitor account management strategies within emerging Card products (Student and Credit Builder). Key responsibilities include determining strategic priorities for the team, identifying trends, and leading efforts to maximize risk versus return for the business unit. Job expectations include using data and analytics to solve complex problems, coaching and developing associates, and partnering across technology, product, finance, legal, compliance, and risk leadership to drive responsible growth. Responsibilities: Performs complex analysis of financial models, market data, financial data, and portfolio trends to understand product performance and improve portfolio risk, profitability, performance forecasting, and operational performance Coaches and mentors peers to improve proficiency in a variety of systems and serves as a subject matter expert on multiple business and technical-related topics Identifies business trends based on economic and portfolio conditions and communicates findings to senior management Supports execution of large scale projects, such as platform conversions or new project integrations by conducting advanced reporting and drawing analytics based insights Required Qualifications: Proven analytical ability as demonstrated through 5+ years related work experience with 2+ years in a finance, credit, or risk analysis role. Expertise manipulating data (Teradata, SAS datasets) and using analytical tools such as Python, SAS, and/or SQL Excellent verbal and written communication skills, particularly technical writing and organizational skills A passion for learning and using data to derive trends, detect risks, and execute strategy projects Demonstrates a strong understanding of credit risk strategies, financial drivers, and credit operations with proven problem-solving skills Proficient in Microsoft Excel (pivot tables, functions, formatting, charts) Effective project management, ability to collaborate, manage, and expand relationships across the organization and with all levels of management Desired Qualifications: 4+ years experience using database software and analytical/reporting tools, such as SAS, SQL and/or Python, to access large relational data Bachelor's degree in mathematics, statistics, computer science, engineering, economics, finance, or a related quantitative discipline Expertise in identifying, assessing and mitigating risk with models. Familiarity with best demonstrated model risk management practices and proficiency in regulatory frameworks Prior experience with credit or fraud strategies and knowledge of policies for consumer and/or small business lending Previous experience in developing credit risk strategies or models preferred Analytic work experience in support of consumer or small business lending Strong working knowledge of the process and tools used for development, validation, implementation and documentation of scoring toolkits Passionate self-starter who is highly motivated to help the organization achieve its goals and thrives in fast-paced and highly dynamic environment Must be decisive, a team-player, client focused, creative, strategic, and be a thoughtful risk-taker Skills: Analytical Thinking Business Analytics Data and Trend Analysis Fraud Management Problem Solving Collaboration Innovative Thinking Monitoring, Surveillance, and Testing Presentation Skills Risk Management Data Visualization Interpret Relevant Laws, Rules, and Regulations Issue Management Oral Communications Written Communications Shift: 1st shift (United States of America) Hours Per Week: 40

Uwharrie Bank is a $1B community bank, headquartered in Albemarle NC. We are seeking a Commercial Credit Underwriter/Analyst to join our Credit Administration team. This position is responsible for the underwriting, review and evaluation of consumer and commercial loans and works closely with other credit analysts and reviews and completes financial spreads to evaluate the credit worthiness and quality of a loan request, and to ensure analyses are performed in a timely and accurate manner. Other responsibiliteis include the review and evaluation of large credit relationships by preparing extensive and comprehensive loan reviews, participating in Credit Committee by gathering, reviewing and preparing required reporting and presentation of loan reviews, and participating with lenders in making joint customer calls to ensure a thorough understanding and knowledge of the business, and providingconsultative support to lending staff to aide in making sound credit decisions, underwriting decisions, aide in structuring loans, assisting with credit issues, etc. General Qualifications Knowledge: A four-year degree in business, finance or accounting, or equivalent experience, is required. Formal commercial credit and/or underwriting training, from a financial institution is highly preferred. Experience: A minimum of five years experience in a banking or financial institution, with emphasis on commercial lending and/or credit administration. Additional experience in commercial credit underwriting, analysis or commercial lending experience, is required. Training and experience in reviewing residential and commercial appraisals is a plus. Skills: Position requires general accounting knowledge, solid analytical and underwriting skills, ability to manage time, prioritize and organize tasks, and work within defined timeframes. Requires excellent interpersonal skills, work with various internal and external contacts, and written and oral communication skills. Must be proficient with personal computer and knowledgeable of various software applications. Scope of Decisions: Position requires solid independent judgment, discretion and reasoning on a daily basis to perform sound underwriting, structuring and assessment of credit requests. Assists in the development and mentoring of credit analysts to ensure improved performance and profitability, and employee retention. May also act in a consultative capacity with lending staff, as required. ADA Requirements: Requires, vision, hearing, speech, concentration, learning, thinking, interaction with others, the ability to exercise self-control and the ability to multi-task under specific timelines. This position is located in Albemarle NC and is not a remote position.

**Location:** On site in Memphis, TN, Atlanta, GA, Nashville, TN, Charlotte, NC, New Orleans, LA, or Dallas, TX The Credit Analyst will work directly with the deal team in analyzing, underwriting and monitoring all credit facilities within their portfolio. As a Credit Analyst, the individual will learn the basics of deal making and loan structures while being exposed to other departments within the Bank. The Credit Analyst is an excellent first position in banking that paves the way to numerous other opportunities within First Horizon including sales, credit, relationship management, loan review or other similar positions. Work with the Portfolio Manager (PM) and Relationship Manager (RM) in completing at least 80% of the credit analysis. The credit analysis is Commercial Banking's primary document for analyzing and underwriting all new and outstanding loans. The credit analyst performs an in depth analysis on the borrower's ability to repay focusing on the company and owner's background, recent and historical financial performance, guarantor's (if applicable) financial condition, collateral performance, risk rating, risk-adjusted return on capital, and several other factors related to First Horizon's underwriting policies and guidelines. **Duties and Responsibilities:** + Work directly with PM, RM and clients to address needs efficiently and accurately + Spread financial statements + Provide advanced analysis in assessing and evaluating current and new business opportunities + Interact with clients and LOB leaders through email, phone conversations, field exams, bank group meetings, etc. + Project manage complex credit requests and analyses and see them through to completion + Identify emerging industry trends and proactively monitor the risk in the current book of business + Attend credit meetings and learn to properly present modifications and new to bank opportunities to internal credit partners for final approval **Knowledge and Skills:** + Critical thinker possessing superior analytical abilities with the ability to reach logical conclusions based on the available information + Microsoft Office: Strong excel and presentation building skills + Ability to manage multiple projects, while maintaining high attention to detail + Self-starter attitude + Flexibility and proven ability to diagnose and resolve issues + Intellectually curious, ability to think outside the box, assertive + Hard working, smart, creative, analytical, driven, exceptionally organized + Strong communication skills and results driven + Ability to work and excel in a team environment **Education:** + Bachelor's degree (BBA or BS) in Accounting, Finance, or a closely related field. + Exceptional educational background required + CFA or CPA candidates preferred **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.

WHO WE ARE Helena Agri-Enterprises, LLC is a leading full-service agronomic solutions provider that's been in business since 1957. Our first location was in West Helena, Arkansas hence the name "Helena". We now have close to 450+ locations nationwide and over 6,000 employees. Our corporate office is located in Collierville, Tennessee, a suburb outside of Memphis. Year after year we rank at the top nationally for volume and sales in our industry. There are many facets to our company including product development, sales, operations, precision technology and manufacturing just to name a few. ABOUT THE JOB The Credit Administrator assists the Credit Manager in handling credit requests, collecting on delinquent accounts and the overall management of the credit team. WHAT YOUR DAY WILL LOOK LIKE Initiates the credit investigation process and periodically reviews customer accounts by running reports with credit bureaus, business reports and verifying trade and bank references. Reviews and tracks credit and Helena finance loan applications submitted by different locations and follows up with locations or customers on incomplete information. Processes various updates, transactions and adjustments within Oracle including customer account updates and customer account adjustments. Supports the credit team through customer account and credit file maintenance. Processes and distributes various internal reports such as account aging reports and communicates this information throughout the company as needed. Maintains credit files for all customers using company credit file documentation guidelines. Assists the Credit Manager and Assistant Credit Manager in periodic review and updating of credit files. Provides customer credit information or ratings upon request to various creditors, credit agencies or banks. Provides customer account support such as account reconciliation and balance and payoff information to location teams and customers as needed. Provides excellent customer service to all internal and external customers. Other work-related duties as assigned by your leader. Regular and reliable attendance is required. Follows all company policies and procedures. EDUCATION & EXPERIENCE Bachelor's degree in accounting, finance or related field is preferred. High school diploma, or equivalent, and two years of work related experience is required. SKILLS & QUALIFICATIONS Previous credit, lending or underwriting experience is preferred. Decision making skills. Analytical skills. Ability to read, write and speak in English is required. Communicating in Spanish is a valuable skill at Helena. Computer skills including working knowledge of Microsoft Office are required. Successful completion of a drug test and background check is required for all positions at Helena. WORK ENVIRONMENT & PHYSICAL ASPECTS OF THE JOB The work environment for this position is that of a typical office environment where the noise level is mostly quiet. This position requires you to use your hands for many different tasks and to talk, hear, walk, stand and sit. You may be occasionally required to lift or move up to 10 pounds. BENEFITS AT HELENA Health, Dental & Vision Insurance STARTS THE SAME DAY YOU DO! Earn up to $3,000 in Reward Dollars from Helena for your Health Savings Account (HSA). Helena's robust 401(k) Savings Plan offers you a 100% company-match up to 5% starting on your first day. As your years of service with Helena increase, so does our company-match - up to 10% based on your contribution amount. Three year vesting on company match with 1,000 hours of service. Access your earned pay between paydays through Earned Wage Access (EWA) with DailyPay. Up to 15 days paid time-off plus 9 paid holidays. Free Term Life Insurance at 1x your annual base pay - paid for by Helena at no cost to you. Free Short & Long-Term Disability. Up to 80 hours of paid Parental Leave. Education Assistance. And much more! For more detailed information about our benefits, visit helenacareers.com/benefits. STAY CONNECTED TO THE HELENA POWERHOUSE! Follow us on social @HelenaCareers or visit us at helenacareers.com. Helena supports individuals with disabilities, and reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions. Helena is an equal opportunity employer.

The SBA Credit Analyst will support the SBA associates in completing credit memorandums for new and existing bank relationships. Key responsibilities include inputting and analyzing financial statement data and interpreting the repayment capacity of borrowers. The position will report to the Manager of SBA Credit Administration of the bank and work closely with Senior Credit Officers to minimize risk and help grow revenue for the bank. The SBA Credit Analyst will be crucial in completing timely annual reviews of the bank's largest loan customers. PRINCIPAL ACCOUNTABILITIES: Time: Description: 10% Insure loan packages are complete according to bank policy. 25% Input and analyze financial statements and credit bureaus using proprietary bank software (primary tax returns). 20% Determine business and global cash flow of commercial borrowers. 15% Perform analysis on diverse types of collateral. 5% Assist lenders in determining the most appropriate loan structure. 5% Partner with SBA bankers in completing credit memorandums for various sized businesses and requests. 10% Collaborate with SBA bankers and Senior Credit officers to complete annual reviews on large borrowers. 5% Assist Chief Credit Officer with regulatory compliance. 5% Other duties as assigned. BASIC QUALIFICATIONS: Bachelor's degree and 2 years of experience in Small Business Administration lending or an equivalent combination of education and experience. ADDITIONAL QUALIFICATIONS: * Experienced in reading balance sheets, income statements, credit reports, personal financial statements. * Strong understanding of business entity legal structures, risk rating, and financial statement ratio analysis. * Ability to locate and use relevant industry analysis. PREFERRED QUALIFICATIONS: Excellent computer skills including experience with proprietary bank software and Microsoft Office. The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Affirmative Action/Equal Employer

Company Mission Our mission is to give the world access to the best products by empowering great brands to reach their growth potential. Today's consumer brands need a capital provider that keeps pace with their growth ambitions. Traditional financing options are slow, cumbersome and often out of reach. That's why we built Wayflyer. Our unique technology allows us to assess businesses in minutes, generate financing offers that reflect their growth potential and send funds in as little as 24 hours. Since launching in April 2020, we've deployed over $4.5bn to thousands of brands worldwide, backed by Tier 1 banks like J.P. Morgan. We've become a trusted financing partner for some amazing brands, like True Classic, Little Words Project and Kekoa Foods. Teams at Wayflyer are truly cross-functional. You'll be collaborating with ambitious colleagues from around the world - all striving to deliver on a huge opportunity. Check out this video to hear directly from them. Culture & Values at Wayflyer At Wayflyer, we value being sound people, excellent operators, and ambitious overachievers, working together with integrity, creativity, and bold optimism to deliver exceptional results. To learn more, please visit our website. Your Role at a Glance: The key ways you'll bring value to the team * Gain an understanding of the risks involved in running an eCommerce business and in Wayflyer providing funding to such a business * Support/ help co-ordinate regular calls with our customers to enhance our understanding of their business and funding requirements * Support a team of Analysts who focus on underwriting customers * Support our sales and operations teams by understanding how they win and manage relationships with customers * Learn about our existing loan portfolio, our portfolio management tools, knowing when to exit risky relationships etc * Work with various departments and colleagues across the business What Makes You a Great Fit * You're an undergraduate student in a relevant discipline eg Finance, Accounting, Economics etc * You can demonstrate a consistent and strong academic record * You have an interest in learning the basics of underwriting, credit risk analysis and portfolio management * You're passionate about FinTech/eCommerce * You're articulate, a self-starter, and a detail oriented, go-getter What to Expect After You Apply You can expect to hear from a member of our Talent Acquisition team soon. If we believe you're a good fit, the first step will be a conversation with a recruiter who will guide you through the next stages of the process. The full interview process, which includes meeting the Hiring Manager, typically takes approximately two weeks. Global Offices and Working Policy Dublin, Our Buzzing HQ Our headquarters operates a hybrid model. The number of in-office days depends on your team, but the majority of teams and our SLT are typically in 3-4 days per week, giving you valuable exposure to senior leadership. London, One Big Family Home to around 30 employees, our brand-new London office also runs on a hybrid model. You'll often find our CEO working alongside the team with regular visits. Sydney, Small but Mighty Our close-knit Sydney office has around 20 employees and follows a flexible hybrid model, fostering strong collaboration. Atlanta, New York & Charlotte, Stateside Collaboration Each of our US offices has 8-10 employees and operates with a flexible hybrid approach, blending in-person connection with remote freedom. Remote, Across the US & Europe The majority of our Tech org works remotely across the UK and Europe, coming together throughout the year for off-sites, company kick off and technical kick off. We also have a growing number of remote team members across the US. How We Handle Your Personal Data By submitting your application, you acknowledge that Wayflyer Limited will process your personal data for the purpose of evaluating your suitability for the role. Such processing is based on the need to take steps prior to entering into a potential employment agreement. To learn more about how we handle your personal data, you can contact our privacy team at privacy@wayflyer.com or review our privacy notice at ************************************

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 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. $16.00 - $17.00 Hourly