Credit analyst jobs in Daly City, CA

The Payment team of U.S. Data Security department of TikTok provides payment solutions - including payment acquisitions, disbursements, transaction monitoring, payment method management, foreign exchange conversion, accounting, reconciliations, and so on - to ensure that users have a smooth and secure payment experience on TikTok platform. In order to enhance collaboration and cross-functional partnerships, among other things, at this time, our organization follows a hybrid work schedule that requires employees to work in the office 3 days a week, or as directed by their manager/department. We regularly review our hybrid work model, and the specific requirements may change at any time. Responsibilities: * Establish a holistic risk management framework for mitigating the risk of payment fraud, credit losses and financial abuse across consumers, merchants, and affiliates * Develop metrics and dashboards to monitor risk, perform scenario planning and simulation testing * Deep dive into fraud cases through massive data and ad hoc analysis that identify root causes of risk originations * Design risk solutions that introduce appropriate amounts of friction for suspicious users based on suspicious user characteristics and machine learning models * Develop risk solutions that detect, prevent, and mitigate fraudulent or suspicious user behaviors * Collaborate with product, engineering and cross function teams to define risk product roadmaps and strategies * Communicate results on a regular basis to stakeholders around the world, including executive leadership Minimum Qualifications * Master's degree (Ph.D. is a plus) in Statistics, Mathematics, Finance, Computer Science Engineering or a similar Quantitative field, or equivalent practical experience * 1+ years of experience in the payment risk industry, with experience in risk management practices, fraud analytics * Strong analytical skillset and experience with analytics tools (Excel, SQL, R, Python, Hive, Spark, and other statistical or data analysis packages) Preferred Qualifications * Results-oriented and comfortable working in a fast-paced environment requiring prioritization and ownership Creative problem solving and critical thinking skills * Excellent communication skills and ability to influence others, with strong leadership skills and ability to manage

Job Description Excellent opportunity for an EVP/Chief Credit Officer with a very successful regional financial institution. The Chief Credit Officer is the senior manager responsible for maintaining and setting loan policy, managing the credit and loan closing processes, provides oversight of the credit granting process. Provides credit guidance to lenders, chairs the Credit Risk Management Committee, chairs the Watch List and approves major credit exposures up to individual authority. Responsibilities: Approving major credit exposures up to personal lending limits. This also involves meeting with lenders in triage and often individually to provide direction to the credit process. Managing the day to day Credit Department and loan closing process including credit approval, managing concentration limits on a portfolio basis, adherence to credit policies, performing industry reviews as required, responsible for regulatory audit, etc. Preparation of materials and acting as chair of the Credit Risk Management Committee and Watch List Committee. Meeting with Portfolio Managers and Credit Analysts to help structure and negotiate loan requests. Setting credit standards for lending. Other duties as assigned. Experience with ALLL analysis narrative and stress test understanding. Requirements: Bachelor's degree in finance or related areas; At least 10 years progressive experience in credit related positions with community or large banks or financial services firms Extensive experience approving commercial real estate, C&I lending, SBA lending and construction financing. Substantial delegated credit authority Prior experience in regulatory examinations and preparation in policy, procedures, risk management and complete credit processes. Extensive credit related experience, underwriting and structuring complex commercial banking transactions. Ability to manage a team of employees with a broad range of experience and technical skills, as well as training junior underwriters. Ability to work with a variety of internal and external contacts to manage credit exposure while meeting both bank and the customer's needs. For further consideration regarding this and/or other opportunities please inquire confidentially to ********************* or call ************. All inquiries held in strict confidence. Thank you for your interest.

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 responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Lead Credit Officer within the Credit Risk team, you will play a critical role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities: Oversee all aspects of credit analysis on commercial real estate/multifamily loans. Evaluate and manage risks in complex transactions. Serve as a back-up mentor for more junior Credit Analysts and Credit Officers Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. Apply data analysis techniques to interpret results and provide insights and recommendations to management. Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools. Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. Required Qualifications, Capabilities, and Skills: Minimum 7+ years of experience in commercial real estate lending, credit analysis, or loan workouts. Thorough understanding of multifamily real estate property valuations and cash flow analysis. Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. Excellent verbal/written communication and problem-solving skills. Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed. Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. Preferred Qualifications, Capabilities, and Skills: Bachelor's degree in accounting, finance, economics, or real estate is preferred. Familiarity with regional markets and municipal regulations. Advanced degree in a related field. Experience with proprietary credit risk management tools. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

San Ramon, CA Exp 15 yrs Degree Bach Relo Bonus Visa Candidates Welcome Job Description We are seeking a qualified and motivated candidate who will ensure accurate reporting of consumer information to credit bureaus, and accurate interpretation of credit bureau data for use in credit decisions. In this role you will: Investigate, analyze, and monitor our credit bureau reporting practices to ensure alignment with legal and compliance requirements, CDIA guidelines, and industry best practices, and making recommendations for improvements where needed. Review credit attributes to ensure accurate coding of credit bureau information for use in credit decisions. Investigate and resolve consumer credit bureau disputes, including a review of internal account records and communication of corrections to the credit bureaus. Serve as the subject matter expert on projects that impact or rely upon credit bureau reporting. Bachelor's Degree in quantitative discipline required 15+ Years of functional/professional experience Alternative: Combination of education and experience (years /description) 20+ years of experience with credit bureau data management Qualifications Bachelor's Degree in quantitative discipline required 15+ Years of functional/professional experience Alternative: Combination of education and experience (years /description) 20+ years of experience with credit bureau data management IDEAL CANDIDATE We are seeking a qualified and motivated candidate who will ensure accurate reporting of consumer information to credit bureaus, and accurate interpretation of credit bureau data for use in credit decisions. In this role you will: •Investigate, analyze, and monitor our credit bureau reporting practices to ensure alignment with legal and compliance requirements, CDIA guidelines, and industry best practices, and making recommendations for improvements where needed. •Review credit attributes to ensure accurate coding of credit bureau information for use in credit decisions. •Investigate and resolve consumer credit bureau disputes, including a review of internal account records and communication of corrections to the credit bureaus. •Serve as the subject matter expert on projects that impact or rely upon credit bureau reporting. Additional Information All your information will be kept confidential according to EEO guidelines. Direct Staffing Inc

The Credit Administrator is responsible for managing the Bank's overall credit risk for assigned business segments. This position works closely with Relationship Managers and Senior Management to help ensure that established risk parameters are being followed, ensuring compliance with overall portfolio credit quality. The Credit Administrator is responsible for the analytical quality, administration, approval under delegated approval authority, and recommendations for credit approvals of larger, more complex credit transactions. ESSENTIAL DUTIES AND RESPONSIBILITIES: * Lead all aspects of credit approval, reporting and monitoring for assigned business segments. Review and approve loans under Delegated Lending Authority. * Work with Relationship Managers and, when necessary, Senior Management to structure credit facilities that protect the bank and meet the needs of the client, making sure policy exceptions are noted, properly mitigated, and that risk ratings are appropriate. Pre-review loan presentations before submitting for further approval. * Assist Relationship Managers and analytical staff with deal structuring and underwriting. * Work closely with Relationship Managers and Senior Management to ensure overall portfolio credit quality, adherence to policy, and identification of risk meets the bank's policy and risk appetite. * Identify developing trends in the loan portfolio and lending practices and provide recommendations accordingly. * Identify early warning signals (such as past dues, higher vacancies or extended asset conversion cycles) and take immediate actions. * Assist in developing and maintaining credit administrative monitoring and reporting systems, including supporting procedures and processes. * Assist in identifying product concentrations and other risk components to ensure that the loan portfolio is balanced in terms of risk parameters and profit expectations. * Provide input on tailoring credit products. Work with leaders throughout to provide strategic directions for implementation. * Reviewing credit policies and procedures to ensure that they are up to date, reflect the risk appetite of the Bank, are relevant to the products that the Bank currently offers or intends to offer. * Assist in leading the credit role related to mergers and acquisitions, and subsequent loan portfolio and staff integration. * Actively drive overall bank strategy as an active member of the credit team. * Mentor and train business units, including analytical staff, as necessary. Requirements REQUIRED SKILLS AND ABILITIES: * Ability to analyze and organize financial information and perform complex financial calculations. * Detailed knowledge of lending regulations, lien laws and loan documentation. * Direct experience with regulators, auditors, and other consultants in the industry. * Excellent analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions. * Strong interpersonal skills with solid credit, problem solving and decision quality skills. * Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone. * Ability to quickly assimilate and consistently implement existing credit policies and guidelines. * Ability to effectively lead, persuade, and guide the line of business. Education/Licenses/Work Experience: * Bachelor's Degree in Finance or a related discipline. * 10 years of banking experience * 15 years in Commercial Lending and/or C&I credit experience. Work Environment * Standard office environment with a moderate noise level. Physical Demands The work environment characteristics and physical requirements described here are representative of those which an employee in this position encounters while performing the essential functions of this position. Reasonable accommodation may be provided to enable individuals with disabilities to perform essential functions. * Prolonged periods sitting at a desk and working on a computer. * Remain in a stationary position for sustained periods of time. * Occasionally move about inside the office to access filing cabinets and/or other office machinery. * Occasionally required to raise objects up to 25 pounds from a lower to a higher position, move objects horizontally from position to position with, and/or bend body downward and forward, and/or extend hands and/or arms in any direction to access files and/or other office machinery. * Consistent use of a computer and/or other office machinery is required, such as a keyboard, calculator, copy machine, scan machine, and/or computer printer. * Making substantial and repetitive movements (motions) of the wrists, hands, and/or fingers. * Close visual acuity is required to perform activities including, but not limited to, preparing and analyzing data and figures, transcribing, viewing a computer terminal, and/or extensive reading. * Regularly required to communicate verbally with employees, clients, and vendors. Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled Pay Range: $180,000 - $220,000 annually. Pay range may vary based on skills, experience, and location Salary Description Pay Range: $180,000- $220,000 annually

Are you a sharp, inquisitive data expert ready to take your credit risk career to the next level? Join our high-impact team as a Senior Credit Risk Analyst, where your analytical acumen and innovative mindset will directly influence the growth and risk management of our commercial card portfolio. In this strategic and highly visible role, you'll leverage advanced analytics and modeling skills to drive smarter underwriting and power decision-making across the organization. As a hands-on collaborator with Engineering, Product, Sales, and Operations, you'll turn vision into reality - from concept to execution, all while reporting directly to the Director of Credit. What You'll Do: Shape & Optimize Credit Risk Strategies: Design, build, test, and fine-tune sophisticated credit underwriting risk models and rule-based strategies that enhance underwriting performance, sharpen risk rating, and elevate portfolio segmentation. Lead Portfolio Analytics: Establish and track key performance metrics, perform deep-dive analytics, and produce data-driven business insights that identify emerging risks and uncover new opportunities for growth. Present your findings and recommendations to senior leadership. Systems Innovator: Lead the development, deployment, and evolution of credit decision engines, systems and workflows. Map current credit decisioning rules, spot opportunities for automation or system integration, and oversee both implementation and continual optimization in a fast-changing environment. Be a Strategic Partner: Collaborate across teams to translate high-level business objectives and analytics insights into clear, actionable technical requirements. Champion innovation and seamless execution with our Engineering, Product, Sales, and Operations partners. What We're Looking For: Experienced Analyst: 2+ years of hands-on experience with commercial card portfolio analytics, specializing in developing/deploying rule-based credit decision engines, and credit risk modeling. Tech-Savvy & Quantitative: Mastery of SQL, Python, and BI visualization tools; expert at data extraction, ML modeling, and clear data storytelling. Credit Strategy/Model-Building Leader: Demonstrated expertise in building, refining, and monitoring credit risk strategies and models. Excellent Communicator: Outstanding at distilling complex quantitative concepts for both business and technical audiences; comfortable presenting to senior leaders and translating strategy into actionable steps.

Permira is a global investment firm that backs successful businesses with growth ambitions. Founded in 1985, the firm advises funds across two core asset classes, private equity and credit, with total committed capital of approximately €80bn. The Permira private equity funds make both long-term majority (Buyout) and minority (Growth Equity) investments in four key sectors: Technology, Consumer, Healthcare, Services. The Permira credit funds support businesses with flexible financing solutions across Direct Lending, Strategic Opportunities and CLO Management. Established in 2007, the firm advises investment funds and products which have provided approximately €20 billion of debt capital to over 300 businesses. Led by Ariadna Stefanescu and with € 4 bn assets under management, 10 priced CLOs since 2018 and 1 8 0 + investments, Permira`s CLO management platform counts as one of the leading credit specialists in Europe. Permir a Credit are now seeking to expand their successful CLO Management platform to the US and are looking for a Credit Analyst to join the newly created US team based in Permira's Menlo Park office. Key Responsibilities Perform fundamental credit research on issuers within the US leveraged loan and high yield market, with a view to a potential investment by the Providus CLO funds. This would include analysis both of existing issuers held by the funds, as well as new issuance in the primary markets. The successful candidate would be expected to carry out detailed credit analysis during the underwriting stage, whilst providing regular updates to the Investment Committee thereafter and maintaining buy / sell / hold recommendations. Attend lender meetings and interact directly with both issuer management teams and sell-side counterparties Undertake detailed credit analysis for potential new issuance including risk analysis, market fundamentals, downside cases etc. Develop flexible financial models in MS Excel including in-depth financial analyses and forecasting Review financial, commercial and legal due diligence for potential investments Carry out sector analysis including competitor landscape, market environment, growth prospects etc Consider ESG criteria for all credits in collaboration with the ESG team Liaise with execution trading and loan settlement team as required Maintaining network with issuing banks and other counterparties in the market, representing the platform in a positive way externally Desired Experience / Background Educated to degree level; CFA desirable but not essential Ideally 4-6 years relevant experience with 2-3 years within a debt fund Sound experience of credit analysis - understanding of financial reporting, conducting due diligence and modelling essentials as well as credit instruments such as leveraged loans and high yield bonds Strong fundamental credit research skills, including analysis of business profile, customers, suppliers, competitive positioning, barriers to entry, market growth, collateral / documentary protection, financial analysis (including review of financial statements, KPIs and downside modelling), cash flow generation and de-leveraging prospects. Solid understanding of the broader macroeconomic landscape and how this impacts existing & potential investments Strong presentation skills and the ability to communicate with confidence in a clear & concise manner Intellectual curiosity, team player with a willingness to learn Microsoft Outlook, Excel and PowerPoint to an advanced level. Effective planning and organisation skills; ability to prioritise tasks and deliver to deadlines with strong attention to detail High level of motivation, integrity, energy and enthusiasm To learn how we handle your personal data during the recruitment process, please review our Candidate Privacy Policy. This includes our Supplemental CCPA Notice of Collection where applicable.

We are looking for a detail-oriented Credit Specialist to join our client in Concord, California. In this Contract-to-Permanent position, you will oversee essential credit and collections activities, ensuring compliance with company policies and maintaining strong relationships with both internal teams and external partners. This role will provide the opportunity to work closely with branch managers, manage receivables, and maintain customer portfolios. Responsibilities: - Monitor and track all accounts receivable to ensure timely payments. - Evaluate and approve new customer accounts in collaboration with branch managers. - Address and resolve issues with delinquent accounts across multiple branch locations. - Maintain accurate and up-to-date customer portfolio information. - Process customer refunds in compliance with company policies. - Write off bad debts and service charges with approval from management. - Send regular account statements to customers as part of the collection process. - Prepare and file preliens when necessary to secure payments. - Review and analyze aging reports to identify and address outstanding balances. Requirements - Proven experience in credit and collections, including commercial collections. - Strong understanding of credit applications and approval processes. - Familiarity with lien releases and waivers. - Ability to analyze and interpret financial data, including aging reports. - Excellent communication skills for managing customer and internal relationships. - Proficiency in using credit reporting tools, such as Dun & Bradstreet. - Strong organizational skills to handle multiple accounts and responsibilities. - Knowledge of contract compliance and legal procedures related to collections. Robert Half is the world's first and largest specialized talent solutions firm that connects highly qualified job seekers to opportunities at great companies. We offer contract, temporary and permanent placement solutions for finance and accounting, technology, marketing and creative, legal, and administrative and customer support roles. Robert Half works to put you in the best position to succeed. We provide access to top jobs, competitive compensation and benefits, and free online training. Stay on top of every opportunity - whenever you choose - even on the go. Download the Robert Half app (https://www.roberthalf.com/us/en/mobile-app) and get 1-tap apply, notifications of AI-matched jobs, and much more. All applicants applying for U.S. job openings must be legally authorized to work in the United States. Benefits are available to contract/temporary professionals, including medical, vision, dental, and life and disability insurance. Hired contract/temporary professionals are also eligible to enroll in our company 401(k) plan. Visit roberthalf.gobenefits.net for more information. © 2025 Robert Half. An Equal Opportunity Employer. M/F/Disability/Veterans. By clicking "Apply Now," you're agreeing to Robert Half's Terms of Use (https://www.roberthalf.com/us/en/terms) .

Summary/Objective: Credit Analyst/Officer Credit Department Exempt VP and Credit Manager of the Region Responsible for preparation of credit assessment and other administrative matters in connection with credit. Essential Functions: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Analyze financial statements, tax returns with emphasis on cashflow, profitability and liquidity Review property appraisals, environmental reports and evaluate suitability as loan collaterals Assessment preparations, interpret financial ratios and significance of various financial ratios Discuss and meet with front office staff on prospective customers, visit collateral properties Prepare department reports, order appraisals, review loan documents, approve GCMS transactions and other responsibilities as required. Competencies: In order to perform the job successfully, an individual should demonstrate the following competencies: Knowledge of international trade finance functions, documents and procedures Working knowledge of accounting principal, property appraisals and environmental reports 3 Basic banking practice and bank procedures, UCC and loan agreements Proficiency in Excel, Word, Power Point office software Business writing, local rent control ordinances, Alice Act desired Supervisory Responsibility: None Physical Demands: This is largely a sedentary role, requiring use of typical office equipment such as a computer, laptop and cell phone. Most work is completed in an office environment. Walking around the office and talking to employees and supervisors is required. Travel Requirements: Some local travel to meet with customers or visit collateral hence a valid driver's license is required Required Education and Experience: Bachelor's degree (B. A. or B. S.) from four-year college or university. Two to five years of related experience and/or training. Equivalent combination of education and experience. Additional Qualifications: Knowledge of real estate industry, title insurance industry a plus Language/Communication Skills: Good English and Chinese language skills and good writing skills Other Duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. It is understood and agreed that the employee may be required to perform additional duties as assigned by the employee's supervisor or Manager. Risk Management Responsibilities: provide first line with advisory guidance and routinely monitor for compliance, assess risks and the activities to mitigate the risks. has sufficient authority, stature, independence, resources and access to the credit management to raise risks and concerns.

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

Job Details Petaluma Store - Petaluma, CA $24.58 - $32.99 HourlyDescription Join Friedman's, where our mission is to Deliver the Human Side of Home Improvement. Named a “Best Place to Work” and voted Sonoma County's Best Home Improvement Store 14 years in a row, we're built on a positive, team-oriented culture built on decades of trust and service. We offer bundled benefits; eligibility for a discretionary bonus; 401(k) match. You'll also enjoy a generous employee discount and tuition reimbursement to support your career path. At Friedman's, you're not just starting a job, you're joining a team that leads, grows, and builds something bigger together. Summary: The Credit Specialist performs duties related to the creation and maintenance of all accounts receivable, payment processing, financial recordkeeping, reporting and cash accountability by performing the essential duties of this position; as well as administrative store support. Credit Specialist I: This is the entry level position of the Credit Specialist job series. Initially under close supervision, Team Members learn as they perform the essential job duties and as work experience is gained, may work with greater independence of action within established guidelines. Team members may advance after gaining experience and demonstrating proficiency that meets the qualifications for the higher-level position. Credit Specialist II: This is the fully competent level position of the Credit Specialist job series. Team Members work under general supervision, are fully competent and perform all the essential job duties. The Credit Specialist II position requires a higher level of knowledge, skills, abilities and expertise, more experience performing job duties and/or demonstrated proficiency in financial accounting skills. Credit Specialist III: This is the more advanced position and highest competency level position in the Credit Specialist I, II, III job series. Typically, this position requires additional years of skilled experience and proficiency; work assignments will be more advanced and complex. This position may be responsible for process analysis and may provide training and guidance for department Team Members. Essential Job Duties and Responsibilities: Credit Specialist I Responsible for cash balancing by creating and utilizing various reports for daily cash and credit card reconciliation, deposit checks, make correcting entries and collaborate with store management to facilitate corrective entries Monitor currency levels, replenish funds, provide support to cash registers for loans and drops, maintain list of users, train new users and troubleshoot with tech line when errors arise Maintain accurate balancing of external vault, including change orders and other secured items Assist customers by taking payments at store window or over the phone, providing invoice copies and reconciling accounts Accept and posts payments accurately to accounts Reviews account status and history to determine if credit held orders will be approved or declined. Contact customers for payment follow up. Contacts customers for unauthorized purchaser approvals Assist new account customers in determining best type of account to open and processing paperwork in a timely manner Disburses all store location mail, both inter office and external Fields a high volume of phone calls Receives, stores and distributes all store office supplies; maintains inventory by checking shelves and reordering standard items as required Store contact for printer/toner program Maintains return and delivery vouchers Maintains store Team Member locker assignments Regular and predictable attendance Assists with related special projects, as assigned Credit Specialist II All the responsibilities of a Credit Specialist I and: Processes account applications by verifying customer credit and banking, create new accounts and maintain customer records Processes month end closing and statement billing, prepares statements for mailing and applies postage Reconcile accounts, investigate and resolve discrepancies Provide high level of customer service by researching various types of customer inquiries relating to cash or charge account transactions. Make corrections as necessary and follow up with customer, seeing process through to resolution Research and processes chargebacks, unidentified charges and bad checks. Make appropriate entries for tracking and collections Processes donation/credit requests in the form of gift cards or credits to AR accounts Ensure adherence to established credit procedures and make recommendation for Team Member disciplinary action as needed Credit Specialist III All the responsibilities of a Credit Specialist I, II and: Field questions from internal Team Members regarding policy, processes and troubleshoot complex problems Draft potential companywide policies and/or update existing policies for management review and approval Test new processes and procedures, providing detailed feedback to management Train Team Members on various processes Education/Experience: High school diploma or general education degree; or related business school certificate Credit Specialist II & III College coursework in financial record keeping, financial accounting or other related field, equivalent to two years of college is preferred. Knowledge, Skills and Abilities: Knowledge of business office practices, procedures and applications related to the process of and recording of financial records and transactions Basic, business data processing principles and practices as applied to financial record keeping and other fiscal record keeping systems Knowledge of software applications for accounting and Microsoft Suite Detail oriented with the ability to monitor own work to ensure quality Strong customer service skills and the ability to follow through issues to resolution Understand, interpret and apply instructions, policies and procedures related to processing and recording payment transactions Ability to organize and prioritize a high volume of work to meet recurring deadlines Ability to work independently and make sound judgements within established guidelines What's in Friedman's toolbox for Team Members: Employee discount on all merchandise Store bonus eligibility Team Member of the Quarter opportunities Tuition reimbursement to further career path 401(k) match up to 3% and 50 cents on the dollar for any amount greater than 3% up to 5% This is a non-exempt position. Shifts are available in a multitude of schedules according to a retail schedule of Sunday - Saturday to meet business needs. Friedman's Home Improvement is proud to be an Equal Opportunity Employer, committed to a diverse and inclusive work environment. Friedman's Home Improvement will consider for employment qualified applicants with criminal convictions in a manner consistent with AB 1008.

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 responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Credit Officer in the Credit Risk team, you will be conducting the essential credit analysis, performing due diligence, and reviewing documentation for new commercial real estate transactions with an emphasis on multifamily lending. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities Implement all facets of credit analysis on commercial real estate/multifamily loans. Identify issues/concerns, evaluate results, and formulate effective recommendations in a timely manner. Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. Apply data analysis techniques to interpret results and provide insights and recommendations to management. Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. Required qualifications, capabilities and skills Minimum 2+ years of experience in commercial real estate lending or 3+ years in other banking/finance experience. Good understanding of multifamily real estate property valuations and cash flow analysis. Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. Excellent verbal/written communication and problem-solving skills. Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed. Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. Preferred qualifications, capabilities, and skills Bachelor's degree in accounting, finance, economics, or real estate is preferred. Familiarity with regional markets and municipal regulations. Experience with proprietary credit risk management tools. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

San Francisco, California **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:** Bank of America's Transformative Healthcare segment is seeking a Credit Officer to join our Bay Area team. The Transformative Healthcare Group focuses on the middle market healthcare industry including traditional banking, capital raising and advisory services. This group is a specialized team within the Global Commercial Bank which serves public and private healthcare companies, generally with annual revenues of $50 million to $2 billion. The Transformative Healthcare Group maintains a leadership position within the industry, manages numerous syndicated and capital markets-agented transactions, and maintains a close working relationship with Global Investment Banking. The team brings its industry specialization and solutions to support the financial needs of healthcare services, life sciences and medical technology companies. This position is located in San Francisco and will report to the national Transformative Healthcare Senior Credit Manager. The Credit Officer II (CO II) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients. Products include lines of credit, term loans, real estate loans, and syndicated loans. The CO II manages all of the ancillary credit exposure to clients. The CO II maintains knowledge of other BofA 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. This role reports to the Commercial Credit Manager or Executive and will be aligned to an Underwriting Team that supports the market. **Responsibilities:** + Manages the credit process for a portfolio of clients + Negotiates credit documentation + Leads the credit and risk approval processes + Builds relationships with existing and prospective clients + Mentors and supports associates + Provides capital structure solutions **Skills:** + Client Solutions Advisory + Financial Analysis + Loan Structuring + Risk Management + Underwriting + Account Management + Credit Documentation Requirements + Credit and Risk Assessment + Decision Making + Issue Management + Analytical Thinking + Coaching + Collaboration + Critical Thinking + Customer and Client Focus **Required Qualifications:** + 10+ years of solid Commercial Banking Experience + Experience in financial analysis, structuring, underwriting and portfolio management + Analytical/technical skills, including financial accounting, modeling and loan structuring + Strong communication skills; ability to communicate vertically, horizontally, and externally + Industry knowledge across multiple sectors **Minimum Education Requirement:** BA/BS Degree Desired **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.

Blackstone is the world's largest alternative asset manager. We seek to create positive economic impact and long-term value for our investors, the companies we invest in, and the communities in which we work. We do this by using extraordinary people and flexible capital to help companies solve problems. Our $1.1 trillion in assets under management include investment vehicles focused on private equity, real estate, public debt and equity, infrastructure, life sciences, growth equity, opportunistic, non-investment grade credit, real assets and secondary funds, all on a global basis. Further information is available at ******************* Follow @blackstone on LinkedIn, X, and Instagram. The duties and responsibilities described here are not exhaustive and additional assignments, duties, or responsibilities may be required of this position. Assignments, duties, and responsibilities may be changed at any time, with or without notice, by Blackstone in its sole discretion. Expected annual base salary range: $110,000 - $110,000 Actual base salary within that range will be determined by several components including but not limited to the individual's experience, skills, qualifications and job location. For roles located outside of the US, please disregard the posted salary bands as these roles will follow a separate compensation process based on local market comparables. Additional compensation: Base salary does not include other forms of compensation or benefits offered in connection with the advertised role. Blackstone is committed to providing equal employment opportunities to all employees and applicants for employment without regard to race, color, creed, religion, sex, pregnancy, national origin, ancestry, citizenship status, age, marital or partnership status, sexual orientation, gender identity or expression, disability, genetic predisposition, veteran or military status, status as a victim of domestic violence, a sex offense or stalking, or any other class or status in accordance with applicable federal, state and local laws. This policy applies to all terms and conditions of employment, including but not limited to hiring, placement, promotion, termination, transfer, leave of absence, compensation, and training. All Blackstone employees, including but not limited to recruiting personnel and hiring managers, are required to abide by this policy. If you need a reasonable accommodation to complete your application, please email Human Resources at *************************************. Depending on the position, you may be required to obtain certain securities licenses if you are in a client facing role and/or if you are engaged in the following: Attending client meetings where you are discussing Blackstone products and/or and client questions; Marketing Blackstone funds to new or existing clients; Supervising or training securities licensed employees; Structuring or creating Blackstone funds/products; and Advising on marketing plans prepared by a sales team or developing and/or contributing information for marketing materials. Note: The above list is not the exhaustive list of activities requiring securities licenses and there may be roles that require review on a case-by-case basis. Please speak with your Blackstone Recruiting contact with any questions. To submit your application please complete the form below. Fields marked with a red asterisk * must be completed to be considered for employment (although some can be answered "prefer not to say"). Failure to provide this information may compromise the follow-up of your application. When you have finished click Submit at the bottom of this form.

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 responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Credit Officer in the Credit Risk team, you will be conducting the essential credit analysis, performing due diligence, and reviewing documentation for new commercial real estate transactions with an emphasis on multifamily lending. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities Implement all facets of credit analysis on commercial real estate/multifamily loans. Identify issues/concerns, evaluate results, and formulate effective recommendations in a timely manner. Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. Apply data analysis techniques to interpret results and provide insights and recommendations to management. Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. Required qualifications, capabilities and skills Minimum 2+ years of experience in commercial real estate lending or 3+ years in other banking/finance experience. Good understanding of multifamily real estate property valuations and cash flow analysis. Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. Excellent verbal/written communication and problem-solving skills. Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed. Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. Preferred qualifications, capabilities, and skills Bachelor's degree in accounting, finance, economics, or real estate is preferred. Familiarity with regional markets and municipal regulations. Experience with proprietary credit risk management tools. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

JobID: 210689266 JobSchedule: Full time JobShift: Base Pay/Salary: San Francisco,CA $85,500.00-$120,000.00 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 responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Credit Officer in the Credit Risk team, you will be conducting the essential credit analysis, performing due diligence, and reviewing documentation for new commercial real estate transactions with an emphasis on multifamily lending. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities * Implement all facets of credit analysis on commercial real estate/multifamily loans. * Identify issues/concerns, evaluate results, and formulate effective recommendations in a timely manner. * Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. * Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. * Apply data analysis techniques to interpret results and provide insights and recommendations to management. * Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. Required qualifications, capabilities and skills * Minimum 2+ years of experience in commercial real estate lending or 3+ years in other banking/finance experience. * Good understanding of multifamily real estate property valuations and cash flow analysis. * Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. * Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. * Excellent verbal/written communication and problem-solving skills. * Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed. * Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. Preferred qualifications, capabilities, and skills * Bachelor's degree in accounting, finance, economics, or real estate is preferred. * Familiarity with regional markets and municipal regulations. * Experience with proprietary credit risk management tools. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

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: Bank of America's Transformative Healthcare segment is seeking a Credit Officer to join our Bay Area team. The Transformative Healthcare Group focuses on the middle market healthcare industry including traditional banking, capital raising and advisory services. This group is a specialized team within the Global Commercial Bank which serves public and private healthcare companies, generally with annual revenues of $50 million to $2 billion. The Transformative Healthcare Group maintains a leadership position within the industry, manages numerous syndicated and capital markets-agented transactions, and maintains a close working relationship with Global Investment Banking. The team brings its industry specialization and solutions to support the financial needs of healthcare services, life sciences and medical technology companies. This position is located in San Francisco and will report to the national Transformative Healthcare Senior Credit Manager. The Credit Officer II (CO II) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients. Products include lines of credit, term loans, real estate loans, and syndicated loans. The CO II manages all of the ancillary credit exposure to clients. The CO II maintains knowledge of other BofA 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. This role reports to the Commercial Credit Manager or Executive and will be aligned to an Underwriting Team that supports the market. Responsibilities: * Manages the credit process for a portfolio of clients * Negotiates credit documentation * Leads the credit and risk approval processes * Builds relationships with existing and prospective clients * Mentors and supports associates * Provides capital structure solutions Skills: * Client Solutions Advisory * Financial Analysis * Loan Structuring * Risk Management * Underwriting * Account Management * Credit Documentation Requirements * Credit and Risk Assessment * Decision Making * Issue Management * Analytical Thinking * Coaching * Collaboration * Critical Thinking * Customer and Client Focus Required Qualifications: * 10+ years of solid Commercial Banking Experience * Experience in financial analysis, structuring, underwriting and portfolio management * Analytical/technical skills, including financial accounting, modeling and loan structuring * Strong communication skills; ability to communicate vertically, horizontally, and externally * Industry knowledge across multiple sectors Minimum Education Requirement: BA/BS Degree Desired Shift: 1st shift (United States of America) Hours Per Week: 40

Westamerica is among the largest commercial banks headquartered in California. We are looking for outstanding people to join our winning team. We reached our current strength because our employees, customers, and shareholders believe in the same fundamental goals. Delivering a wide variety of financial services with a superior customer service guarantee. Manages branch's commercial loan portfolio/deposits/growth. Works to achieve branch's identified profitability goals by increasing the existing Book of Business: Contacts prospect/clients to establish new bank relationships through the selling of appropriate bank products. Contacts current clients to retain and expand present bank relationships by cross-selling bank products. Directs sales activities of branch sales force: Conducts daily sales meeting. Actively sells Westamerica's bank products/services. Monitors results of sales activities as outlined in current WAB Sales Culture Booklet. Represents the bank in various civic and community activities in an effort to enhance the Bank's image and attract new business. Reviews delinquent loans and implements appropriate action to help correct situation. Requirements Commercial Lending experience Underwriting experience EOE Westamerica Bank's Privacy Policy may be found at: ********************************* Salary Description $68,640.00 - $82,128.00

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 responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Credit Officer in the Credit Risk team, you will be conducting the essential credit analysis, performing due diligence, and reviewing documentation for new commercial real estate transactions with an emphasis on multifamily lending. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. **Job Responsibilities** + Implement all facets of credit analysis on commercial real estate/multifamily loans. + Identify issues/concerns, evaluate results, and formulate effective recommendations in a timely manner. + Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. + Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. + Apply data analysis techniques to interpret results and provide insights and recommendations to management. + Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. **Required qualifications, capabilities and skills** + Minimum 2+ years of experience in commercial real estate lending or 3+ years in other banking/finance experience. + Good understanding of multifamily real estate property valuations and cash flow analysis. + Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. + Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. + Excellent verbal/written communication and problem-solving skills. + Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed. + Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. **Preferred qualifications, capabilities, and skills** + Bachelor's degree in accounting, finance, economics, or real estate is preferred. + Familiarity with regional markets and municipal regulations. + Experience with proprietary credit risk management tools. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries. 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** San Francisco,CA $85,500.00 - $120,000.00 / year