Credit analyst jobs in Cranston, RI

The Credit Risk Sr Professional will be a critical member of the Home Equity Credit Risk Team, generating the statistical analysis used to inform credit strategy. Will work with our data resources to formulate policy recommendations, communicate those recommendations to important stakeholders, and collaborate with diverse teams to see those recommendations implemented successfully. Will be expected to wear multiple hats, solving problems across the full credit lifecycle and will have the opportunity to take ownership of solutions and see them through to completion in a fast-paced, challenging environment. Primary responsibilities include: Utilize analytical and technical skills to uncover insights, develop policy recommendations, and solve critical business problems. Work with proprietary Citizens data in conjunction with bureau data, property data and alternative data sources to shape credit risk strategy. Analyze portfolio trends and investigate emerging risks to drive optimization of credit policy in a constantly evolving landscape. Design statistical and mathematical models for reporting and predictive analytics. Develop, automate and deliver regular reports and communications to senior management. Communicate recommendations and insights to key stakeholders to influence decision making. Collaborate with diverse teams to see strategy proposals implemented successfully. Qualifications: 3+ years of Credit Risk experience - preferably real estate lending (mortgage and/or home equity). 3+ years of relevant experience in a quantitative role utilizing statistical programing languages. 3+ years Quantitative Skills - ability to develop and implement effective portfolio management routines that monitor key metrics, benchmark performance vs. peers, and identify emerging trends. Expertise with one or more of the following technologies required: SQL, Python, R, Tableau. Ability to drive actionable outcomes from analytical insight and effectively communicate findings and recommendations to business leadership. Exceptional problem-solving acumen with ability to think strategically. Time Management - ability to prioritize competing assignments and thrive in a fast-paced results orientated environment. Education: Bachelor's degree in quantitative discipline required (Finance, Mathematics, Computer Science, Statistics, Engineering, etc.). Masters/PhD in a quantitative discipline preferred. Hours & Work Schedule Hours per Week: 40 Work Schedule: 8:30am - 5:00pm, Monday - Friday Role is hybrid, 4 days in office per week, 1 day remote Pay Transparency The salary range for this position is $143,705 - $180,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit ************************************** . #LI-Citizens1 Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Why Work for UsAt Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

Independently develops concise and accurate credit analyses of prospects and current customers in a deadline focused environment with minimal guidance. Uses expertise to evaluate both private and public entities some of which include review of complex transactions. Analyses are well written and reflect a comprehensive understanding of the credit risk and its relationship to the recommended collateral products and unsecured exposure. Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs. Facilitate the approval of exception when needed. Communicates financial results, trends and business implications to management, stakeholders and other groups at the appropriate level of detail. Proactively leads complex efforts to continuously improve processes to ensure work is performed as efficiently and effective as possible. Uses business acumen and strong analytical expertise to perform complex ad hoc analysis. Demonstrates strong verbal and written communication skills. Leads development and facilitation of training. Travels to and supports underwriting at broker and client meetings as required. Responsibilities Accurately analyzes financial statements and related filings for a diverse and complex group of different size policyholders and prospective customers. Conducts analysis that includes assigned credit rating, key strengths, weaknesses, industry outlook and recommended collateral options. Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs. Facilitate the approval of exception when needed. Understands and interprets financial statements of varying quality including internally company prepared statements up to those prepared in accordance with GAAP or IFRS. Understands various organizational structures, investment and debt has on the creditworthiness of subject companies. Regularly accesses and appropriately utilizes a variety of informational resources including First Research, Rating Agencies and other related sources to identify and understand trends and gauge subject company performance relative to peers and industry. Thorough understanding of insurance products, collateral types and associated credit risk. Drives the production of complex management reports and associated results analysis, using business acumen and analytical ability to lead the team in identifying business drivers of results and communicating them effectively. Continually assesses the business value and efficiency of the work performed, identifies problems and opportunities, drives implementation and monitors results. Initiates and leads complex department projects and continuous improvement activities that may include working cross functionally with other departments. Supports development of team members by sharing best practices, conducting peer reviews that identify strengths and opportunities, and training of less experienced analysts. If the selected candidate lives within 50 miles of a GRS hub office, then the selected candidate must come into the office two days/week. Qualifications * Bachelor`s degree (Finance or Accounting) required * CPA or advanced degree in Accounting, Finance, or Business preferred * Minimum of 5 years of finance experience. Experience with credit analysis and/or financial statement analysis is preferred. * Must demonstrate attention to detail in a fast-paced work environment and the ability to manage and prioritize multiple accounts and projects simultaneously to drive results * Communicates well with own team and across organizational boundaries to ensure the successful completion of shared goals * Comfortable leading meetings and able to communicate issues and trends to senior management and other groups at the appropriate level of detail * Solid understanding of Finance Tools and Analytical Methods About Us Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: *********************** Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law. Fair Chance Notices * California * Los Angeles Incorporated * Los Angeles Unincorporated * Philadelphia * San Francisco

JOB REQUIREMENTS * Knowledge of commercial and industrial lending practices and related areas * Knowledge of financial institution regulatory environment and policy * Ability to work independently with some guidance from team members * Prioritize work product in order to meet varying deadlines * Excellent knowledge of corporate and personal financial statements * Excellent financial analytical skills with sound judgment and decision making abilities * Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable and highly self-motivated * Aptitude in Microsoft Office Suite, especially Excel and Word * Experience with spreading software * Excellent written and verbal English communication skills * Ability to adhere to Needham Bank's Core Values (Quick-Decision-Making, Reliability, Relationship-Based Focus and Quality Service) * Represent the Bank at various community functions * Participate on Bank task forces and committees as assigned * Engage in continuing education opportunities as they become available EDUCATION & EXPERIENCE * Bachelor's degree in Accounting/Finance or related area * At least 2 years of Commercial and Industrial Lending credit experience with loan exposures ranging from $500,000 to $35 million. * SBA underwriting experience preferred. WORKING CONDITIONS/PHYSICAL DEMANDS * Normal business office environment Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short and long term disability insurance, tuition reimbursement, and an Employee Assistance Program. We offer a great benefit package to our eligible part-time employees as well. Pay Range: $69,794.45 - $90,732.79 The pay range provided is based on what we believe is a reasonable estimate for the pay range for this job at the time of posting. Actual pay may vary based on experience, skills, and market factors; additional compensation may apply. At NB, we are dedicated to building a diverse, inclusive and authentic workplace - if you are excited about this role, but your past experience doesn't align perfectly with every qualification in the job description, we still encourage you to apply. You may be just the right candidate for this or other roles. Needham Bank is an Equal Opportunity/Affirmative Action Employer. Needham Bank will provide all applicants for employment and all employees with equal opportunity for employment and promotion regardless of race, color, religion, gender, national origin or ancestry, age, disability, veteran status, military service, sexual orientation, genetic information, or gender identity. Responsible for analyzing and monitoring the credit worthiness of the Bank's commercial customers. Recommend credit facilities within the established bank guidelines. ESSENTIAL DUTIES & RESPONSIBILITIES * Collect and track receipt of financial statements, borrowing base certificates, and covenant compliance certificates from existing customers * Perform annual reviews of existing relationships including spreading financial statements, analyzing corporate borrower's financial performance and condition, evaluating cash flow, collateral, guarantor support and other pertinent factors * Produce modification requests for existing relationships * Prepare preliminary analysis, typically financial statement spreads and cash flow calculation, of prospective borrowers * Underwrite new loan requests including above referenced analysis as well as evaluation of proposed transaction * Assign risk ratings as appropriate and monitor covenant compliance * Provide analytical support to Senior Credit Analyst and Account Officers as needed * Attend and participate in meetings with customer and Account Officer as needed * Be prepared to discuss proposals with approval authorities on a one-on-one basis as well as in a committee setting * Perform additional duties as requested, needed or assigned

Performs commercial credit analysis and recommends appropriate credit structure on the most complex credit relationships in conformance with established policies, procedures, and objectives. Performs any functions, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers and co-workers. Responsibilities Spread a variety of financial statements and prepare cash flow analyses. Analyze financial statements and provide interpretative analysis for use in loan decision making. Underwrite new money requests, renewals, and modifications. Underwrite existing credits as part of the Bank's routine portfolio monitoring. This includes mortgage and investment reviews as well as authoring annual portfolio monitoring reports presented to Senior Management, the Board, and other Bank Committees. Work with credit colleagues, lenders, lending assistants, and other departments on a routine basis, demonstrating strong communication and teamwork skills throughout. Support and lead special projects within the Credit Analysis Department as required. Train and mentor assigned Credit Assistant and Credit Analysis Intern(s) in underwriting. Perform all duties in compliance with regulatory guidelines. Performs any functions, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers and co-workers. Requirements Education Bachelor's Degree plus specialized course work and training is required An advanced business degree Work Experience 7+ years of credit-related experience is required Additional Requirements Must demonstrate a strong knowledge of commercial credit analysis including the ability to analyze repayment sources, evaluate risk, identify risk mitigation, and provide deep insight into the creditworthiness of a commercial borrower. Working knowledge of accounting and a solid understanding of commercial loan documentation. High attention to detail with strong analytical, communication, and interpersonal skills required. Strong working knowledge of Microsoft Office Suite and ability to learn new software, including the Bank's Commercial Loan Origination System. Expected Pay Range The expected annual pay range for this role is $76,463 to $135,731. This pay range is the annual salary we in good faith expect to pay for this role at the time of posting. Actual compensation paid may fluctuate higher or lower than the posted range and the range may be modified in the future due to several factors including, but not limited to, relevant experience, certifications, and qualifications, internal equity, adjustments to the requirements and responsibilities of the job, business needs, and economic and market data. EEO Statement Middlesex Savings Bank is an Equal Opportunity Employer/protected Veterans/Individuals with Disabilities

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Lead Credit Officer - Vice President in Commercial and Specialized Industries Risk, you will collaborate with a cross-functional team to deliver credit solutions that support companies' financing needs, including working capital, general corporate purposes, acquisition finance, and dividend recapitalizations. You will work with privately-held and publicly-traded companies, family-owned businesses, and financial sponsors. This risk management position supports the Northeast segment and covers companies across diversified industries with revenues ranging from $20 million to $2 billion. Credit executions include bilateral structures, syndicated deals, institutional loans, and direct lending. A critical aspect of this role is the ability to develop and communicate a comprehensive understanding of the business, financial, and industry risks faced by clients and prospects in the assigned portfolio. You will utilize this insight to accurately risk grade borrowers, analyze credit requests, structure credit facilities, and negotiate credit agreements and other loan documentation. Job Responsibilities Utilize excellent credit analysis and financial modeling skills to perform due diligence in order to structure and recommend new transactions while maintaining an appropriate balance between risk and reward Lead complex and time-sensitive leveraged finance transactions and LBOs, including the negotiation of legal documentation for bilateral, pro-rata, broadly syndicated, and direct lending structures Independently manage the assigned credit portfolio on an ongoing basis while ensuring data integrity Assess and process risk rating changes in a timely manner Use critical reasoning to develop well-considered credit views, taking into account company-specific and industry risks Clearly and concisely communicate and defend credit views to internal stakeholders and senior leadership Serve as an effective challenge to the banking team in your role as second line of defense Utilize strong time management skills and act with a sense of urgency to meet expectations and deadlines, driving deals to closure Work with internal and external stakeholders in a proactive, constructive, and responsive manner to effectively manage and execute transactions Convey a thorough understanding of credit policy and procedures Contribute to the broader objectives of the Risk organization, including developing junior talent and participating in various projects and efficiency exercises Demonstrate excellent communication skills Required Qualifications, Capabilities, and Skills BA/BS/BBA degree is required Completion of a major corporate or commercial bank credit training program (or equivalent corporate banking/corporate finance experience) with a thorough understanding of bank credit policies and procedures Minimum 7 years' experience in middle market and mid-corporate lending, including extensive credit analysis, structuring of leveraged finance transactions, and negotiation of loan documentation Experience working with portfolio companies of private equity firms Significant accounting and finance knowledge with superior financial modeling skills Strong working knowledge of credit agreements and other loan documentation, along with solid negotiation skills Demonstrated ability to problem-solve and think both critically and analytically Proven ability to collaborate and build strong partnerships Excellent organizational and project management skills with the ability to manage competing priorities under tight deadlines Intellectual curiosity with a proven ability to learn quickly Demonstrated ability to take initiative, self-direct, and work well under pressure Excellent verbal, interpersonal, and written communication skills Proficient with Microsoft Office, including Excel and PowerPoint

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Lead Credit Officer - Vice President in Commercial and Specialized Industries Risk, you will collaborate with a cross-functional team to deliver credit solutions that support companies' financing needs, including working capital, general corporate purposes, acquisition finance, and dividend recapitalizations. You will work with privately-held and publicly-traded companies, family-owned businesses, and financial sponsors. This risk management position supports the Northeast segment and covers companies across diversified industries with revenues ranging from $20 million to $2 billion. Credit executions include bilateral structures, syndicated deals, institutional loans, and direct lending. A critical aspect of this role is the ability to develop and communicate a comprehensive understanding of the business, financial, and industry risks faced by clients and prospects in the assigned portfolio. You will utilize this insight to accurately risk grade borrowers, analyze credit requests, structure credit facilities, and negotiate credit agreements and other loan documentation. Job Responsibilities Utilize excellent credit analysis and financial modeling skills to perform due diligence in order to structure and recommend new transactions while maintaining an appropriate balance between risk and reward Lead complex and time-sensitive leveraged finance transactions and LBOs, including the negotiation of legal documentation for bilateral, pro-rata, broadly syndicated, and direct lending structures Independently manage the assigned credit portfolio on an ongoing basis while ensuring data integrity Assess and process risk rating changes in a timely manner Use critical reasoning to develop well-considered credit views, taking into account company-specific and industry risks Clearly and concisely communicate and defend credit views to internal stakeholders and senior leadership Serve as an effective challenge to the banking team in your role as second line of defense Utilize strong time management skills and act with a sense of urgency to meet expectations and deadlines, driving deals to closure Work with internal and external stakeholders in a proactive, constructive, and responsive manner to effectively manage and execute transactions Convey a thorough understanding of credit policy and procedures Contribute to the broader objectives of the Risk organization, including developing junior talent and participating in various projects and efficiency exercises Demonstrate excellent communication skills Required Qualifications, Capabilities, and Skills BA/BS/BBA degree is required Completion of a major corporate or commercial bank credit training program (or equivalent corporate banking/corporate finance experience) with a thorough understanding of bank credit policies and procedures Minimum 7 years' experience in middle market and mid-corporate lending, including extensive credit analysis, structuring of leveraged finance transactions, and negotiation of loan documentation Experience working with portfolio companies of private equity firms Significant accounting and finance knowledge with superior financial modeling skills Strong working knowledge of credit agreements and other loan documentation, along with solid negotiation skills Demonstrated ability to problem-solve and think both critically and analytically Proven ability to collaborate and build strong partnerships Excellent organizational and project management skills with the ability to manage competing priorities under tight deadlines Intellectual curiosity with a proven ability to learn quickly Demonstrated ability to take initiative, self-direct, and work well under pressure Excellent verbal, interpersonal, and written communication skills Proficient with Microsoft Office, including Excel and PowerPoint JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans Base Pay/Salary Boston,MA $133,000.00 - $240,000.00 / year

Coastal1 Credit Union is a leading provider of financial services, committed to delivering exceptional member experiences seeking a Senior Commercial Credit Analyst to join our team. The Senior Commercial Credit Analyst, under the direction of the VP - Commercial Banking Operating Officer (“CBOO”), or designee, analyzes the financial condition of enterprises and evaluates the quality and sufficiency of the sources of repayment, collateral and the appropriateness of business plans and credit structures for various extensions of credit, including new to Coastal1, renewals or modifications. Prepares loan presentations in Credit Quest's Credit Manager and Financial Analyzer, for approval by the Loan Officer, Commercial Banking Operating Officer, Commercial Banking Manager, Chief Lending Officer, Loan Committee or the Board of Directors, as necessary, providing adequate details of the credit structure, management, collateral evaluation, background of the business and industry, assessment and adequacy of proposed transaction structure, risk ratings and creditworthiness. This role requires ON SITE availability in Pawtucket, Rhode Island. Qualifications: Bachelor's degree from a four-year college or university in a business-related field, or equivalent work experience is required. Additional education, certifications, or other distinctions are a plus Formal commercial credit training is preferred. Five (5) or more years of commercial credit analysis experience. Working knowledge of Credit Quest's Credit Manager and Financial Analyzer is desirable Strong analytical and quantitative skills. Proven ability to gather and analyze data and information, draw logical conclusions, and make appropriate recommendations. Proven problem-solving ability Strong organizational, time management and prioritization skills with attention to detail Excellent verbal, written, and interpersonal communication skills with strong presentation skills Team player able to work effectively in a team fostered, multi-tasking environment Working knowledge of MS Office (e.g. Excel, PowerPoint, Word, Outlook.) Familiarity with Fiserv DNA is a plus Ability to maintain a positive and upbeat Credit Union image. Demonstrated ability to handle confidential information securely. Bi-lingual communication skills are advantageous, but not required. Founded in 1928 and based in Pawtucket, Coastal1 Credit Union is a growing, member-focused organization serving over 130,000 members. Today, Coastal1 has 19 branches throughout RI and MA, including Bristol, Cranston (2), Cumberland, East Greenwich, East Providence (2), Johnston, North Kingstown, North Providence, Pawtucket (3), Providence, Smithfield, Wakefield, Warwick (2), and North Attleboro, MA. We are committed to helping members achieve their financial goals. Coastal1 Credit Union is committed to providing the best in products, services, rates and changes in technology for our members convenience and security providing "The smarter way to bank." We are focused on simply being the best overall community financial institution in the markets we serve. Coastal1 offers competitive pay and great benefits including medical, dental and vision for you and your dependents. In addition, we offer paid time off to promote work/life balance, on-site fitness center, 401(k) with a company match, employee homebuyer assistance, plus much more! Job Duties: Provides an independent credit quality assessment of the larger, more complex existing and prospective Commercial Banking Members' credit structures by conducting comprehensive financial analyses, including scrutinizing financial statements (audited, reviewed, or self-prepared) or income tax returns, performing detailed financial statement analysis, trend analysis, industry assessments, collateral valuations, cash flow analysis and evaluation of the ability to repay required debt service. Examines, analyzes, and evaluates a variety of documents and business structures, and then utilizes independent judgment to determine the degree of proposed transaction risk when compared to Coastal1's Credit policy. Extrapolates data from financial statements, tax returns, credit agencies, online searches, and all other available resources, to analyze cash flows and project economics, and prepare detailed property descriptions and market analysis, tenancy analysis, property valuations, construction budget analysis with sources and uses, guarantor/sponsor personal financial statements and cash flows, and real estate holdings analysis. Spreads financial statements and tax returns and performs industry peer analysis in Credit Quest's Financial Analyzer and then uses Credit Quest's Credit Manager to perform detailed credit analysis and risk assessments. Engages with Member Borrowers, their advisors, and the relevant Coastal1 officers or stakeholders as needed during the credit process. Assists Commercial Loan Officers with construction project site visits, inspections, Member visits and meetings, as well as with structuring commercial loans. Prepares annual relationship reviews on required (or, assigned) Commercial Banking largest loan relationships including a complete analysis of annual financial statements and tax returns, collateral evaluation, payment history, risk rating adequacy review and reaffirmation, and adverse industry or economic changes. Reviews compliance with loan agreements of existing Members and reports exceptions to the CBOO or Commercial Banking Manager. Works closely with Loan Officers in transaction structuring, or project analysis and feasibility. Provides ongoing monitoring support for existing extensions of credit through annual relationship reviews, renewals of existing credit facilities, and the testing of covenant compliance. Responds to a variety of inquiries and confirmations about Commercial Banking Members. Ensures compliance with Coastal1's Bank Secrecy Act/Anti-Money Laundering Policy and related procedures, Member Identification Program and Office of Foreign Assets Control screening and record keeping requirements. Performs other duties assigned, and all duties in accordance with Coastal1 policies, procedures and the applicable regulatory compliance guidelines. Equal Opportunity Employer

The Senior Credit Analyst's primary responsibility is to analyze and interpret financial statements and related information of commercial loan customers and prospects for the purpose of preparing credit approval memorandums. During the underwriting process, the Senior Analyst will determine creditworthiness by evaluating risks and report salient facts in collaboration with the Loan Officer to establish credit granting criteria. This will culminate in the preparation of a credit approval memorandum that outlines the request for the extension of credit which is then forwarded to the necessary approval authorities. The position will be remote, with in-person attendance, as required. Responsibilities RESPONSIBILITIES: Performs any functions necessary, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers. * A solid understanding of commercial lending and credit underwriting principles to help ensure the highest loan quality to the Bank. * A thorough, in-depth analysis of all aspects of commercial credit loan requests, including new loans, material loan modifications, credit change requests, renewals and annual relationship reviews. * Spread, analyze and interpret financial statement information belonging to existing and prospective clients. * Prepare financial analysis on businesses and guarantors to include cash flow; balance sheet, sensitivity, property and market analyses and ratio analysis, such as working capital adequacy, leverage positions, collateral coverage using WORD, Excel and nCino. * Complete due diligence to include review of credit bureau reports; industry data; appraisal reports and environmental research reports. * Form conclusions and communicate to management. * Accurately identify loan policy exceptions as well as red flags during the underwriting process. * Assign risk ratings as appropriate. * Prepare credit approval memorandum in nCino for approval by appropriate authorities. * Take responsibility for ensuring collaborative and effective team work to deliver results. * Provide guidance and direction to junior underwriters and analysts. * Communicates with others in a consistent and effective manner in order to build business and customer relations that support the organization's mission and vision. * Performs other duties, as assigned. Qualifications REQUIRED QUALIFICATIONS: * Either bachelor/master's degree, formal credit training or a minimum of five years of bank commercial loan analysis experience with both CRE and C & I loan. * Strong analytical and interpretive skills. * Good communication, organizational and interpersonal skills. * Strong written communication skills to properly complete credit approval memorandums. * Detailed knowledge of banking laws, rules and regulations required. * Must be a detailed oriented person, able to multitask with an emphasis on deadlines. Physical Requirements Any physical demands or work conditions described below are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable Accommodation may be made to enable individuals with disabilities to perform the essential functions. Employees need to have the ability to: * Travel independently to the position's primary work location, other bank properties and work-related activities or events at locations outside the Bank. * Effectively communicate and exchange accurate information and ideas so others will understand. * Independently 0perate a computer and other office machinery, such as a calculator, copy machine, printer and software programs related to the position needed to complete the primary functions. * Sit or stand at a workspace and use a computer or other equipment for prolonged periods of time. * Meet the hybrid work schedule requirements for physically working in the office during normal business hours on Mondays and Wednesdays and another day of choice to effectively meet business needs. * Move office items weighing up to 35 pounds. * Work in an environment with low to moderate noise levels. SUPERVISORY SCOPE: No supervisory responsibility BANKNEWPORT CORE VALUES * We celebrate individuality * We empower employees to be creative problem solvers * We invest and take the time to really get to know our customers * We commit to serving the financial needs of Rhode Islander's BankNewport is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of race, color, religion, creed, national origin or ancestry, sex, age, physical or mental disability, veteran or military status, genetic information, sexual orientation, gender identity or expression, pregnancy, childbirth or related medical conditions, military service, marital status, or any other legally recognized protected basis under federal, state or local laws, regulations or ordinances.

Established in 1991, Collabera is one of the fastest growing end-to-end information technology services and solutions companies globally. As a half a billion dollar IT company, Collabera's client-centric business model, commitment to service excellence and Global Delivery Model enables its global 2000 and leading mid-market clients to deliver successfully in an increasingly competitive marketplace. With over 8200 IT professionals globally, Collabera provides value-added onsite, offsite and offshore technology services and solutions to premier corporations. Over the past few years, Collabera has been awarded numerous accolades and Industry recognitions including. • Collabera awarded Best Staffing Company to work for in 2012 by SIA. (hyperlink here) • Collabera listed in GS 100 - recognized for excellence and maturity • Collabera named among the Top 500 Diversity Owned Businesses • Collabera listed in GS 100 & ranked among top 10 service providers • Collabera was ranked: • 32 in the Top 100 Large Businesses in the U.S • 18 in Top 500 Diversity Owned Businesses in the U.S • 3 in the Top 100 Diversity Owned Businesses in New Jersey • 3 in the Top 100 Privately-held Businesses in New Jersey • 66th on FinTech 100 • 35th among top private companies in New Jersey *********************************************** Collabera recognizes true potential of human capital and provides people the right opportunities for growth and professional excellence. Collabera offers a full range of benefits to its employees including paid vacations, holidays, personal days, Medical, Dental and Vision insurance, 401K retirement savings plan, Life Insurance, Disability Insurance. Job Description In need of a Credit Analysts having wholesale/commercial collections is key, but willing to consider candidates with Consumer Collections experience. We are NOT in need of Accounts Payable Specialist, nor Accountants, but someone who has worked with Collections dealing with products. This is not someone who has worked in banking, insurance, or the medical industry but someone who can work with customers/clients dealing with collections on products. RESPONSIBILITIES • Will be completing collections calls • Deduction resolution • Interfacing with customers • Interfacing with Sales and Customer Service • Portfolio Management • Interfacing with Cash Application Team in Mexico • Completing Reconciliations • Will utilize Excel to create statements and files from SAP • Excel is a MUST and SAP is highly preferred • Looking for someone having 3-5 years experience. • Needed ASAP Qualifications “HIGH SCHOOL DIPLOMA/GED REQUIRED. MUST BE VERIFIED THROUGH THE INSTITUTION OR A COPY OF THE CERTIFICATE MUST BE ON FILE” Additional Information All your information will be kept confidential according to EEO guidelines.

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. View your **"Know your Rights (************************************************************************************** "** poster. **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.

Senior Credit Analyst (E5) Chelsea Groton is looking to hire motivated and dynamic individuals for our Credit Department. The Senior Credit Analyst is responsible for conducting in-depth credit analysis on commercial lending relationships, assessing risk, and making recommendations that align with our bank's credit policies and risk appetite. The ideal candidate will bring strong financial acumen, sound judgment, and a collaborative mindset to support prudent lending decisions and portfolio management. Become a member of a positive, versatile and inclusive team that promotes self-development and empowerment for the benefit of our customers and our community. Responsibilities and Requirements vary based on job level. Expectations include: Perform comprehensive credit analysis on new and existing loan relationships, including financial statement review, cash flow analysis, and risk rating assignments. Prepare and present credit memos with well-supported recommendations to senior management and loan committees. Monitor portfolio performance and identify early warning signs of credit deterioration, recommending appropriate action when necessary. Ensure compliance with internal credit policies, regulatory requirements, and industry best practices. Collaborate with loan officers to structure credit solutions that meet client needs while maintaining sound risk management. Why Choose Chelsea? The Bank has been named a Top Workplace in Connecticut since 2016. And with good reason! Our team members are encouraged and empowered to be better, go further, and help others. And there are lots of other perks too - competitive salary, 401(k) plan, paid time off, health benefits, wellness and engagement programs, leadership training, professional development, and learning opportunities for all team members, and more! Several members of the Bank's team have been recognized in our industry and throughout the community by earning awards such as the Connecticut Bankers Association New Leaders in Banking, ICBA Forty Under 40, The Day Forty Under 40, Banking New England Women of FIRE, and more. At Chelsea Groton, we don't just meet the expectations of our community; we exceed them in the ways we, as a mutual bank, do business, and how we support local organizations financially and through volunteerism. We are focused on bringing together the best in digital, remote, and in-person capabilities. Our approach is designed around the lives of our customers so they can manage finances when, where and how they want, and team members can provide support to our customers in more ways too. Apply today to join a company named Best Bank by The Day (2015 - present), Top Workplace by the Hartford Courant (2016 - present), and one of Forbes Best-In-State Banks (2021, 2022)! Responsible for adhering to Bank policies and procedures relating to regulatory compliance requirements applicable to the job function including but not limited to the Bank Secrecy Act, Anti-Money Laundering, and Fair Lending. EOE/AA/M/F/D/V. Member FDIC.

Ready to Put Your Financial Skills to Work? Join MountainOne Bank as a Commercial Credit Analyst! At MountainOne Bank, we believe in smart lending, strong relationships, and local impact. We're looking for a Commercial Credit Analyst who's ready to support our lending team with sharp insights, sound judgement, and a passion for helping businesses grow. If you're detail-oriented, driven, and excited to dive into financials, this is your opportunity to build a meaningful career with a bank that values your contribution. What You'll Do: Analyze financial statements and credit reports to assess borrower risk Support the commercial lenders with underwriting, portfolio monitoring, and deal structuring Prepare clear, concise credit memos and risk assessments Help maintain a high-quality loan portfolio through ongoing review and analysis Gain hands-on experience while working closely with seasoned professionals Why MountainOne? A trusted, community-focused bank with deep local roots Career growth and development opportunities A collaborative team culture where your work makes a real impact Ongoing training and mentorship from experienced credit professionals Your future in commercial banking starts here! Join MountainOne Bank and help power local success - one loan at a time! Salary Range: $55,000 - $74,000 per year, based on experience

The Credit Administration department is responsible for assessing the creditworthiness of individuals and businesses who apply for commercial loans, and monitoring the financial condition of existing borrowers. This full-time, paid internship will allow you to gain hands-on experience with credit administration by exposing you to a wide variety of activities in support of the commercial credit department. PRIMARY DUTIES: Perform any functions necessary, within scope of authority and expertise, to provide the highest level of customer service and to support, create and develop a harmonious work environment. Assist with the solicitation of required financial information and other reporting requirements. Prepare and organize financial credit files to include all current reports, entity documents, financial statements, tax returns, new loan closing documents and other required information. Assist with gathering materials requested by loan review company, audit firms, federal regulators, loan officers, branch managers, underwriters, and loan originators. Update business and commercial loan files with financial information and analyses, both in the physical file and in various software programs. POSITION REQUIREMENTS: Currently pursuing a bachelor's degree in a finance-related field with an anticipated graduation date between December 2026 and June 2027. Must have good analytical skills, be detail oriented, and demonstrate organizational and computer skills. Able to use various types of office equipment. SCHEDULE: Monday through Friday; 8am - 4pm daily (37.5 hours/week) Daily on-site attendance required. No remote or hybrid work is permitted. All qualified applicants will receive consideration without regard to disability status, protected veteran status, or any other characteristic protected by law.

* Process and post customer payments, including checks, ACH, wire transfers, and credit card transactions accurately and timely. * Investigate and resolve complex billing, payment discrepancies, and claims such as unauthorized deductions, shortages, pricing errors, and customer disputes * Pull supporting documentations for deductions and coordinate with internal teams for timely resolution and approval. * Process deduction clearances and proactively escalate inconsistencies or missing information to management. * Coordinate with the sales team to validate deductions and ensure alignment with contract terms and promotional agreements. * Attend weekly AR meetings; provide detailed status updates on aged receivables and prioritize collection efforts based on risk exposure. * Prepare weekly and monthly analytical reports related to, chargebacks, deductions, aging, and collection activities to provide visibility to management. * Maintain accurate records of AR activities dispute resolution progress, and communications for audit and compliance purposes. * Monitor customer account balances and identify elevated risk accounts requiring immediate attention or escalation. * Partner with the customer service team to support invoice reissuance, proof delivery requests, and order hold releases. * Support monthly, quarterly, and year-end closing activities by reconciling AR sub-ledger to the general ledger. * Assist in developing SOPs and continuous improvement initiatives for AR and claims workflows. * Participate in system enhancement projects, including ERP upgrades and automation tools aimed at improving AR efficiency. * Provide ad hoc financial analyses, dashboards, or metrics as required by the Accounting Manager or Finance leadership Required Experience * A minimum of 1 - 5 years of experience in Account Receivables, claims, collections, or a related accounting role. * Experience in working with high-volume transactions and customer account reconciliation. * Experience with SAP Required Technical Competencies * Strong verbal and written communication skills, with the ability to communicate effectively across departments and with customers. * Advanced Proficient with MS Office Suite - specifically Excel * Strong analytical skills with high attention to detail and accuracy * Ability to manage multiple priorities and meet deadlines in a fast-[aced environment. * Demonstrated problem-solving skills with a proactive and solution-oriented mindset * Basic knowledge of ERP such as SAP, or similar platform is a plus * Experience with EDI Required Behavioral Competencies * Builds Customer Loyalty- Effectively meets internal/external customer needs; building productive customer relationships; taking responsibility for customer satisfaction and loyalty. * Manages Work- Effectively managing one's time and resources to ensure that work is completed efficiently. * Stress Tolerance- Maintains focus and productivity under pressure; adapts to dynamic priorities and fast-paced environments. * Work Standards- Sets high performance standards and demonstrates accountability for accuracy and results. * Contributes to Team Success - Collaborates effectively across functions; supports team goals and foster a cooperative work environment. * Initiates Action - Proactively identifies opportunities for improvement, takes initiative to resolve issues before escalation * Detail-Oriented - Ensure completeness and accuracy in payment application, reporting, and deduction documentation. * Problem Solving - Applies analytical thinking to resolve complex claim issues and customer disputes. * Communication - Clearly conveys information across teams, capable of writing professional emails and reports.

The Credit Risk Sr Professional will be a critical member of the Home Equity Credit Risk Team, generating the statistical analysis used to inform credit strategy. Will work with our data resources to formulate policy recommendations, communicate those recommendations to important stakeholders, and collaborate with diverse teams to see those recommendations implemented successfully. Will be expected to wear multiple hats, solving problems across the full credit lifecycle and will have the opportunity to take ownership of solutions and see them through to completion in a fast-paced, challenging environment. Primary responsibilities include: Utilize analytical and technical skills to uncover insights, develop policy recommendations, and solve critical business problems. Work with proprietary Citizens data in conjunction with bureau data, property data and alternative data sources to shape credit risk strategy. Analyze portfolio trends and investigate emerging risks to drive optimization of credit policy in a constantly evolving landscape. Design statistical and mathematical models for reporting and predictive analytics. Develop, automate and deliver regular reports and communications to senior management. Communicate recommendations and insights to key stakeholders to influence decision making. Collaborate with diverse teams to see strategy proposals implemented successfully. Qualifications: 3+ years of Credit Risk experience - preferably real estate lending (mortgage and/or home equity). 3+ years of relevant experience in a quantitative role utilizing statistical programing languages. 3+ years Quantitative Skills - ability to develop and implement effective portfolio management routines that monitor key metrics, benchmark performance vs. peers, and identify emerging trends. Expertise with one or more of the following technologies required: SQL, Python, R, Tableau. Ability to drive actionable outcomes from analytical insight and effectively communicate findings and recommendations to business leadership. Exceptional problem-solving acumen with ability to think strategically. Time Management - ability to prioritize competing assignments and thrive in a fast-paced results orientated environment. Education: Bachelor's degree in quantitative discipline required (Finance, Mathematics, Computer Science, Statistics, Engineering, etc.). Masters/PhD in a quantitative discipline preferred. Hours & Work Schedule Hours per Week: 40 Work Schedule: 8:30am - 5:00pm, Monday - Friday Role is hybrid, 4 days in office per week, 1 day remote Pay Transparency The salary range for this position is $143,705 - $180,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit ************************************** . #LI-Citizens1 Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Why Work for UsAt Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

Independently develops concise and accurate credit analyses of prospects and current customers in a deadline focused environment with minimal guidance. Uses expertise to evaluate both private and public entities some of which include review of complex transactions. Analyses are well written and reflect a comprehensive understanding of the credit risk and its relationship to the recommended collateral products and unsecured exposure. Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs. Facilitate the approval of exception when needed. Communicates financial results, trends and business implications to management, stakeholders and other groups at the appropriate level of detail. Proactively leads complex efforts to continuously improve processes to ensure work is performed as efficiently and effective as possible. Uses business acumen and strong analytical expertise to perform complex ad hoc analysis. Demonstrates strong verbal and written communication skills. Leads development and facilitation of training. Travels to and supports underwriting at broker and client meetings as required. Responsibilities Accurately analyzes financial statements and related filings for a diverse and complex group of different size policyholders and prospective customers. Conducts analysis that includes assigned credit rating, key strengths, weaknesses, industry outlook and recommended collateral options. Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs. Facilitate the approval of exception when needed. Understands and interprets financial statements of varying quality including internally company prepared statements up to those prepared in accordance with GAAP or IFRS. Understands various organizational structures, investment and debt has on the creditworthiness of subject companies. Regularly accesses and appropriately utilizes a variety of informational resources including First Research, Rating Agencies and other related sources to identify and understand trends and gauge subject company performance relative to peers and industry. Thorough understanding of insurance products, collateral types and associated credit risk. Drives the production of complex management reports and associated results analysis, using business acumen and analytical ability to lead the team in identifying business drivers of results and communicating them effectively. Continually assesses the business value and efficiency of the work performed, identifies problems and opportunities, drives implementation and monitors results. Initiates and leads complex department projects and continuous improvement activities that may include working cross functionally with other departments. Supports development of team members by sharing best practices, conducting peer reviews that identify strengths and opportunities, and training of less experienced analysts. If the selected candidate lives within 50 miles of a GRS hub office, then the selected candidate must come into the office two days/week. Qualifications Bachelor`s degree (Finance or Accounting) required CPA or advanced degree in Accounting, Finance, or Business preferred Minimum of 5 years of finance experience. Experience with credit analysis and/or financial statement analysis is preferred. Must demonstrate attention to detail in a fast-paced work environment and the ability to manage and prioritize multiple accounts and projects simultaneously to drive results Communicates well with own team and across organizational boundaries to ensure the successful completion of shared goals Comfortable leading meetings and able to communicate issues and trends to senior management and other groups at the appropriate level of detail Solid understanding of Finance Tools and Analytical Methods About Us Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: *********************** Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law. Fair Chance Notices California Los Angeles Incorporated Los Angeles Unincorporated Philadelphia San Francisco We can recommend jobs specifically for you! Click here to get started.

Responsible for analyzing and monitoring the credit worthiness of the Bank's commercial customers. Recommend credit facilities within the established bank guidelines. ESSENTIAL DUTIES & RESPONSIBILITIES Collect and track receipt of financial statements, borrowing base certificates, and covenant compliance certificates from existing customers Perform annual reviews of existing relationships including spreading financial statements, analyzing corporate borrower's financial performance and condition, evaluating cash flow, collateral, guarantor support and other pertinent factors Produce modification requests for existing relationships Prepare preliminary analysis, typically financial statement spreads and cash flow calculation, of prospective borrowers Underwrite new loan requests including above referenced analysis as well as evaluation of proposed transaction Assign risk ratings as appropriate and monitor covenant compliance Provide analytical support to Senior Credit Analyst and Account Officers as needed Attend and participate in meetings with customer and Account Officer as needed Be prepared to discuss proposals with approval authorities on a one-on-one basis as well as in a committee setting Perform additional duties as requested, needed or assigned JOB REQUIREMENTS Knowledge of commercial and industrial lending practices and related areas Knowledge of financial institution regulatory environment and policy Ability to work independently with some guidance from team members Prioritize work product in order to meet varying deadlines Excellent knowledge of corporate and personal financial statements Excellent financial analytical skills with sound judgment and decision making abilities Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable and highly self-motivated Aptitude in Microsoft Office Suite, especially Excel and Word Experience with spreading software Excellent written and verbal English communication skills Ability to adhere to Needham Bank's Core Values ( Quick-Decision-Making, Reliability, Relationship-Based Focus and Quality Service ) Represent the Bank at various community functions Participate on Bank task forces and committees as assigned Engage in continuing education opportunities as they become available EDUCATION & EXPERIENCE Bachelor's degree in Accounting/Finance or related area At least 2 years of Commercial and Industrial Lending credit experience with loan exposures ranging from $500,000 to $35 million. SBA underwriting experience preferred. WORKING CONDITIONS/PHYSICAL DEMANDS Normal business office environment Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short and long term disability insurance, tuition reimbursement, and an Employee Assistance Program. We offer a great benefit package to our eligible part-time employees as well. Pay Range: $69,794.45 - $90,732.79 The pay range provided is based on what we believe is a reasonable estimate for the pay range for this job at the time of posting. Actual pay may vary based on experience, skills, and market factors; additional compensation may apply. At NB, we are dedicated to building a diverse, inclusive and authentic workplace - if you are excited about this role, but your past experience doesn't align perfectly with every qualification in the job description, we still encourage you to apply. You may be just the right candidate for this or other roles. Needham Bank is an Equal Opportunity/Affirmative Action Employer. Needham Bank will provide all applicants for employment and all employees with equal opportunity for employment and promotion regardless of race, color, religion, gender, national origin or ancestry, age, disability, veteran status, military service, sexual orientation, genetic information, or gender identity.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Lead Credit Officer - Vice President in Commercial and Specialized Industries Risk, you will collaborate with a cross-functional team to deliver credit solutions that support companies' financing needs, including working capital, general corporate purposes, acquisition finance, and dividend recapitalizations. You will work with privately-held and publicly-traded companies, family-owned businesses, and financial sponsors. This risk management position supports the Northeast segment and covers companies across diversified industries with revenues ranging from $20 million to $2 billion. Credit executions include bilateral structures, syndicated deals, institutional loans, and direct lending. A critical aspect of this role is the ability to develop and communicate a comprehensive understanding of the business, financial, and industry risks faced by clients and prospects in the assigned portfolio. You will utilize this insight to accurately risk grade borrowers, analyze credit requests, structure credit facilities, and negotiate credit agreements and other loan documentation. Job Responsibilities Utilize excellent credit analysis and financial modeling skills to perform due diligence in order to structure and recommend new transactions while maintaining an appropriate balance between risk and reward Lead complex and time-sensitive leveraged finance transactions and LBOs, including the negotiation of legal documentation for bilateral, pro-rata, broadly syndicated, and direct lending structures Independently manage the assigned credit portfolio on an ongoing basis while ensuring data integrity Assess and process risk rating changes in a timely manner Use critical reasoning to develop well-considered credit views, taking into account company-specific and industry risks Clearly and concisely communicate and defend credit views to internal stakeholders and senior leadership Serve as an effective challenge to the banking team in your role as second line of defense Utilize strong time management skills and act with a sense of urgency to meet expectations and deadlines, driving deals to closure Work with internal and external stakeholders in a proactive, constructive, and responsive manner to effectively manage and execute transactions Convey a thorough understanding of credit policy and procedures Contribute to the broader objectives of the Risk organization, including developing junior talent and participating in various projects and efficiency exercises Demonstrate excellent communication skills Required Qualifications, Capabilities, and Skills BA/BS/BBA degree is required Completion of a major corporate or commercial bank credit training program (or equivalent corporate banking/corporate finance experience) with a thorough understanding of bank credit policies and procedures Minimum 7 years' experience in middle market and mid-corporate lending, including extensive credit analysis, structuring of leveraged finance transactions, and negotiation of loan documentation Experience working with portfolio companies of private equity firms Significant accounting and finance knowledge with superior financial modeling skills Strong working knowledge of credit agreements and other loan documentation, along with solid negotiation skills Demonstrated ability to problem-solve and think both critically and analytically Proven ability to collaborate and build strong partnerships Excellent organizational and project management skills with the ability to manage competing priorities under tight deadlines Intellectual curiosity with a proven ability to learn quickly Demonstrated ability to take initiative, self-direct, and work well under pressure Excellent verbal, interpersonal, and written communication skills Proficient with Microsoft Office, including Excel and PowerPoint

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. 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