Credit analyst jobs in Daly City, CA - 140 jobs

Shape a brighter financial future with us. Together with our members, we're changing the way people think about and interact with personal finance. We're a next-generation financial services company and national bank using innovative, mobile‑first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we're at the forefront. We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The team SoFi's Credit team manages credit risk activities for our lending products (Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - including credit strategies/policies for new account origination and portfolio management, collections/recovery strategies and operations, and risk and operational data science and analytics. The team designs data‑driven strategies to ensure the growth in lending is consistent with the company's risk appetite and helps create the products and experiences that put our members' interests first. The Senior Credit Manager will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value‑added credit risk strategies and models for SoFi's lending products, including Personal Loan, Student Loan Refinance, Private Student Loan, and Credit Card. The initial focus of the role will be on Personal Loan but the candidate may get opportunities to work on other lending products in the future. The candidate will be responsible for independently developing and implementing Personal Loan underwriting strategies that meet our risk appetite, monitoring and analysing the risk trends within the portfolio to provide insights and recommendations for strategy enhancement opportunities. She/he will be part of the Credit team with 1LOD responsibilities. The Senior Credit Manager will collaborate with cross‑functional teams such as Business Units, Operations, Marketing, Finance, Capital Markets, Product, Engineering, Legal and Compliance. Use business acumen, credit experience and quantitative and analytical skills to drive revenue, control risk, and provide value to the company and consumers. The ideal candidate will possess a data‑driven analytics background and the strategic acumen to direct a function that draws strategic insights from data using database and statistical analysis tools to inform decisions and support SoFi's overarching strategic goals relative to loss prevention and profit optimisation. They bring new ways of thinking, data sources, technologies, and capabilities to SoFi. What you'll do Innovate… Bring your brightest ideas to build algorithmic risk strategies. This means you will architect credit underwriting, pre‑screen targeting, and risk tier assignment. Data Driven… Your deep analysis will power the future of lending with an optimal real‑time data ecosystem - including multi‑product internal, bureau, third‑party, and alternative data sources and uses. Iterate, learn, innovate… We are all responsible for innovation and must embrace a test‑and‑learn mentality and data‑driven decision making. Collaborate… Work collaboratively with business partners such as Business Units, Operations, Marketing, Finance, Legal and Compliance to deliver successful business results. Partner closely with implementation teams to accurately drive new strategies to production. Control the risk and drive performance outcomes … Understand credit risk and develop approaches to mitigate loss and responsibly grow revenue. Monitor the performance of strategies and portfolios. Document and communicate results and escalates issues as necessary. Identify gaps/opportunities and drive actions. Challenge the status quo … Challenge others, continuously raise the bar, build better processes and attack hard problems to help us build the best products in the industry. Grow, grow, grow!… Be inspired by dynamic leaders and our rapidly growing business. We want you to be an inspired leader of tomorrow, so we are recruiting the best, brightest, and passionately quantitative team members. What you'll need 7+ years of related experience Business acumen and work experience in the consumer lending business (loans or credit cards) Direct experience in the credit strategy analytical life cycle, including strategy and decision tree development, P&L, presentation, implementation validation, and post‑implementation monitoring Proven analytical skills in conducting sophisticated analysis using customer performance data, bureau attributes, and other 3rd party variables to solve business problems Proficient data exploration and credit modelling skills in Excel, SQL and Python A demonstrated ability to synthesize and communicate analysis to business partners and senior management Results‑driven, eager to learn, and able to work collaboratively in a fluid environment Knowledge/skills in analytical and modelling techniques such as decision trees, regression, logistic regression, test design Preferred: 7+ years of personal loan credit risk experience Preferred: Experience in developing credit strategies using innovative data sources such as cash flow or alternative data Preferred: Advanced degree (Master's or PhD) with a quantitative major such as Statistics, Mathematics, Engineering, or Computer Science Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate's experience, skills, and location. Pay range: $172,800.00 - $297,000.00 Payment frequency: Annual This role is also eligible for a bonus, long‑term incentives and competitive benefits. More information about our employee benefits can be found in the link above. To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page! SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law. The Company hires the best qualified candidate for the job, without regard to protected characteristics. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com. #J-18808-Ljbffr

We believe that the way people interact with their finances will drastically improve in the next few years. We're dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid's network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam. Plaid Transfer makes moving money fast, simple, and secure, helping businesses deliver seamless payment experiences their customers love. Plaid Transfer simplifies money movement with a single API for all bank rails, robust operational tools and liquidity management features, and embedded risk checks to help prevent payment returns and fraud. On the Transfer Operations team, we ensure that money movement at Plaid is not only fast and reliable, but also financially safe and scalable. We are responsible for managing the operational and financial risks inherent in bank-based payments, particularly ACH debits where Plaid may be exposed to customer returns. We build and operate the frameworks that allow Plaid Transfer to grow responsibly. This includes defining and enforcing credit risk policies, monitoring customer activity and portfolio exposure, responding to risk events, and partnering closely with Product, Engineering, Compliance, and Finance to translate risk decisions into production systems. Our mission is to enable Transfer's growth while protecting Plaid's balance sheet. We work at the intersection of payments, risk, and operations, balancing speed and customer experience with prudent risk management, so Plaid can confidently support new products, customers, and business models at scale. As a Senior Credit Risk Manager on the Transfer Operations team, you will own the portfolio-level credit risk management of Plaid Transfer, helping ensure that money movement remains fast, reliable, and financially safe as the business scales. You will design and operate Plaid's Transfer credit risk underwriting program. You'll build and evolve underwriting policies, scorecards, and playbooks for customer onboarding, periodic reviews, and exception handling, especially for complex use cases such as platforms, lenders, crypto, and customers requesting faster settlement or liquidity fronting. You will make high-impact risk decisions every day. You'll evaluate customer solvency, liquidity, and business-model risk, determine appropriate holds, limits, reserves, and prefunding requirements, and partner closely with Operations to manage escalations and incidents when risk signals emerge. You will bring structure and visibility to portfolio risk. You'll monitor aggregate exposure across the Transfer customer base, identify concentration and emerging risks, and produce clear executive reporting on exposure, reserves, and loss forecasts in partnership with Finance. You will enable teams to execute risk consistently at scale. You'll train and support customer oversight teams, create self-serve documentation and guidance, and work with Product and Engineering to translate risk policy into tooling and automated controls. You will be a trusted partner across the organization. You'll collaborate with Product, Engineering, Finance, AML, Compliance, and senior leadership to balance growth, customer experience, and risk, helping Plaid confidently support new products and customers while protecting the company's balance sheet. Responsibilities Own Transfer's credit risk underwriting program, including policies, scorecards, and playbooks for customer onboarding, periodic reviews, and exception handling enabling consistent, high quality risk decisions as the portfolio scales. Manage portfolio-level financial exposure across ACH, RTP, and FedNow by monitoring customer activity, return behavior, liquidity risk, and solvency signals, reducing the likelihood of unexpected losses and balance-sheet shocks. Evaluate complex and higher-risk use cases, such as crypto, lenders, platforms, and liquidity-fronted customers allowing Plaid to support new business models safely. Partner with Transfer Operations on day-to-day risk decisions and escalations, including setting and adjusting holds, reserves, limits, and pre-funding requirements ensuring fast, coordinated responses to emerging risk events. Develop and maintain executive-level risk reporting, including exposure tracking, reserve adequacy, and loss forecasting, improving leadership visibility and decision-making. Enable operational scale through training and documentation, creating self-serve guides and decision frameworks for customer oversight teams driving consistency and reducing operational risk as volume grows. Collaborate cross-functionally with Product, Engineering, AML/Compliance, and Finance to translate risk policy into tooling, workflows, and automated controls embedding risk management directly into the Transfer platform. Continuously improve risk frameworks and tooling by incorporating data insights, post-mortems, and industry best practices, keeping Plaid's risk posture aligned with evolving threats and growth objectives. Qualifications 8+ years of experience in credit risk underwriting, financial risk, or exposure management within a payments processor, fintech, or lending institution. Hands-on experience owning or designing credit underwriting frameworks, including policies, scorecards, onboarding standards, periodic reviews, and exception handling. Deep understanding of ACH payments and return risk, including settlement timing, unauthorized returns, and liquidity exposure; experience with multiple payment rails is a plus. Proven ability to assess customer solvency and business-model risk, particularly for startups, fintechs, platforms, lenders, or crypto businesses. Strong analytical skills, with the ability to evaluate portfolio-level exposure, concentration risk, and loss scenarios Experience building and maintaining executive-level risk reporting, dashboards, and KPIs (e.g., exposure, reserves, loss forecasting). Demonstrated judgment and decision-making ability in high-stakes, ambiguous risk scenarios involving customer exceptions or tradeoffs between growth and risk. Excellent cross-functional collaboration skills, with experience partnering with Operations, Product, Compliance/AML, Finance, and Engineering. Clear written and verbal communication skills, including the ability to translate complex risk concepts into actionable guidance and policies for non-risk stakeholders. Nice-to-have: Prior experience in credit risk or underwriting at a large-scale payments processor, particularly with portfolio-level exposure management. Domain expertise in higher-risk or complex use cases, such as crypto, gaming, lenders, platforms, or marketplace business models. Experience working with or building risk mitigation mechanisms such as reserves, pre-funding, hold-time optimization, and transaction limits. Familiarity with AML/KYC frameworks and how credit risk underwriting complements compliance and fraud controls. Experience partnering closely with Product and Engineering teams to operationalize risk policies through tooling, workflows, or automated controls. Background in financial modeling, loss forecasting, or stress testing for payments or credit portfolios. Experience scaling or formalizing a new risk function or program, including documentation, training, and process design. Comfort operating in early-stage or rapidly evolving environments where policies and tooling are still being built. Prior mentorship or informal leadership experience, including coaching analysts or influencing without direct authority. $115,824 - $228,000 a year The target base salary for this position ranges from $115,824/year to $228,000/year [in Zone 1, in Zone 4 or encompassing all Zones]. The target base salary will vary based on the job's location. Our geographic zones are as follows: Zone 1 - New York City and San Francisco Bay Area Zone 2 - Los Angeles, Seattle, Washington D.C. Zone 3 - Austin, Boston, Denver, Houston, Portland, Sacramento, San Diego Zone 4 - Raleigh-Durham and all other US cities Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans. Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid! Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at accommodations@plaid.com. Please review our Candidate Privacy Notice here. #J-18808-Ljbffr

A leading financial institution in San Francisco seeks an experienced Credit Portfolio Officer. The role requires analyzing credit information, negotiating loans, and managing a portfolio to ensure optimal performance. Candidates should have a bachelor's degree and 5-7 years of experience in credit or lending operations. Offering a competitive salary range of $88,800 to $165,600, along with health insurance and various other benefits, this position is essential for driving growth and enhancing client relationships. #J-18808-Ljbffr

A leading financial institution is seeking a Credit Officer to join their Transformative Healthcare segment in San Francisco. This role involves managing credit processes, negotiating documentation, and building client relationships. The ideal candidate will possess over 10 years of commercial banking experience and a strong background in financial analysis, underwriting, and portfolio management. This position offers a salary range of $125,000 to $200,000 annually, along with comprehensive benefits and the opportunity for career growth. #J-18808-Ljbffr

Job Summary: We are hiring a Senior Consultant for one of our leading banking clients. The role focuses on identifying, assessing and monitoring credit risk across lending portfolio. The candidate will work closely with various stakeholders, including business units, risk management, and regulatory teams to develop and implement credit risk strategies and policies. Expertise in at least one domain - Credit Risk, Collections, or Recoveries - is required. Key Responsibilities: Credit Risk Monitoring: Continuously monitor risk exposures, identify and escalate potential credit risk issues to senior management and the risk committee to ensure timely mitigation. Credit Risk Strategy Development: Develop, maintain, update & implement credit risk policies, procedures, and guidelines to ensure alignment with regulatory requirements and industry best practices. Credit Risk Modelling: Develop, maintain, and validate credit risk models to estimate potential losses and predict credit risk. Collaborate with data scientists and analysts to integrate credit risk models with other risk models. Stakeholder Management: Inform and advise senior management, business units, and stakeholders on credit risk, and provide training on credit risk management and policies. Data Analysis and Reporting: Analyze large datasets to identify credit risk trends, and present findings to senior management using SQL, Python, and data-driven insights, providing clear and compelling recommendations. Credit Risk Assessment: Analyze and evaluate creditworthiness of customers, counterparties, and transactions to identify potential credit risks. Conduct thorough credit reviews, including financial statement analysis, industry research, and market trends. Regulatory Compliance: Ensure compliance with credit risk regulations, such as Basel II/III, Dodd-Frank, and other applicable laws and regulations. Collaborate with regulatory teams to respond to regulatory inquiries and examinations. Qualifications: Bachelor's degree in finance, Economics, Data Science, Engineering or a related field; master's degree preferred. Minimum of 4 years of experience in credit card analytics, with a focus in at least one of the following areas - Credit risk/Collection/Recoveries Analytics Proficient in SQL and Python; experience with data visualization tools (e.g., Tableau, Power BI) is a plus. Excellent analytical and problem-solving skills, with the ability to interpret complex data and make informed decisions. Strong communication and presentation skills, with the ability to convey technical information to non-technical stakeholders. Proven ability to work collaboratively in a fast-paced, team-oriented environment.

A global financial institution is seeking a Vice President or Executive Director for their U.S. Private Bank in San Francisco. The role involves advising clients on wealth management, building relationships, and generating new business. Candidates should have over six years of experience in Private Banking and a Bachelor's Degree, along with required licenses. This position offers a competitive total rewards package and opportunities for career advancement. #J-18808-Ljbffr

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.

Job Title: VP and Credit Officer Department: Credit Department Classification: Exempt Reports to: Vice President and Credit Department Manager Summary/Objective: Essential Functions: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions 1. Underwrite credit assessments. Review, verify accuracy and assess new loan credit proposals from simple to very complicated situations. Credit officer is required to review and analyze financial statements, tax returns and operating statements to assess credit risks. Verify accuracy of spreadsheets of borrowers/guarantors' financial statements and cash flow projections. 2. Make appropriate recommendations to enhance quality of proposals. 3. Analyze and assess annual reviews of existing borrowers. 4. Familiar with USPAP, appraisal reports, Phase One Environmental Report, various kinds of lease agreements and the Uniform Commercial Code. Assist in reviewing loan documents to ensure consistency and compliance with governing laws, bank policies and approved terms and conditions. Familiar with 10K reports of public companies. 5. Accept orders for real estate appraisals for loans. Contact appraisers, obtain price quote, turn-around time and prepare appraisal orders. Provide leases, operating statements, preliminary title reports to appraisers. Act as contact person to resolve appraisal problems, mistakes and possible issues between appraisers and front line officers. Resolving any billing issues. 6. Responsible for security and control of credit files. Responsible for the safekeeping of credit files and contents. Identify, collect and ship unused credit files to storage with proper records. Responsible for ordering and retrieving credit files from storage when needed. Updated-Human Resources 2016 7. Review periodic reports of the Credit Department such as Annual Review Progress report on weekly and monthly basis. Review renewed and reviewed reports, quarterly and annual HDMA report, Emerging Problem Loan report and Past Due and Problem loan report. Assist the Credit Manager in managing the department when requested or in his absence. 8. Liaise with New York and Beijing colleagues for the use of the in house GCMS system, verify accuracy of various entries. Be an effective team member and collaborate with employees from other departments 9. Performs other related duties and assignments as assigned Competencies: In order to perform the job successfully, an individual should demonstrate the following competencies: 1. Good knowledge of GCMS and FOVA systems or other asset/liability systems 2. Knowledgeable in Excel, Word, Power Point and other financial spreadsheet software 3 Good grasp of generally acceptable accounting principles, excellent business writing skills 4. Good working Knowledge of Window based personal computer and software packages 5. Excellent interpersonal and communication skills. Knowledge of appraisal technique, the Uniform Commercial Code, real estate principle and California real estate laws 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: Credit officer is required to conduct client and site visits locally with some out of state trips as well. Required Education and Experience: Bachelor's degree from a four-year college or university in Business Administration or Economics Seven to ten + years of related experience with credit training. Equivalent combination of education and experience is acceptable. Additional Qualifications: A valid California driver's license is required Language/Communication Skills: Proficiency in verbal and written English. Mandarin and Cantonese speaking a plus. 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.

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

Avidbank is a $2.3 billion commercial bank based in Silicon Valley serving the San Francisco Bay area and beyond. We are a highly responsive business bank, providing tailored financial solutions. We are advocates for our clients and specialize in providing innovative banking products and supportive services that exceed our clients' expectations. Founded in 2003, we specialize in commercial & industrial lending, technology and asset-based lending, specialty finance, sponsor finance, real estate construction and commercial real estate lending. We have one branch in San Jose along with loan production offices in Redwood City and San Francisco. Title of position: Credit Analyst Position type: Full-time Pay range: $69,000.00 - $90,000.00 Division: Specialty Finance Work Location Type: Office Hybrid Location: San Jose Essential Functions and Basic Duties: Position assists sponsor finance lending function by gathering and analyzing credit information on current and potential borrowers and determining credit risk for diversified types of loans. Assists loan officers in writing loan requests and proposals. Promotes quality customer relations and refers customers to appropriate staff for new services. Assists loan officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. Gathers data from customers and other sources. Prepares spreadsheets and analyzes financial information including financial statements and tax returns. Contacts customers for additional information and clarification of data. Verifies pledged assets. As instructed, compiles data from credit bureaus, conducts industry peer comparisons, perform cash flow analyses and other related tasks. Based on analysis, makes recommendation on loan structures and terms to loan officers and assists in the writing of financial analysis and reports. Assist with loan processing and coordination. Monitors loans and determines when updates to documentation, e.g. financial statements, are required. Informs loan officers and monitors accounts. Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved. Assists loan officers in verification of funds with mortgage companies and contractors. Participate in the on-going computerization of the loan review function. Assist in providing deposit and loan account ratings for loan officers. Update and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken. Understands government regulations with particular emphasis on the Bank Secrecy Act and related regulations and the fact that compliance with BSA regulations is an enterprise responsibility. May represent the Bank in various community, civic and community reinvestment functions to promote the Bank's image and develop additional business. Manage the Specialty Finance Compliance reporting function which includes, but is not limited to: Updates to the Portfolio tracker on a monthly, bi-monthly or weekly basis in preparation for the monthly portfolio reviews. Updates covenants Adds new clients to the tracker Update Horizon with reports and ticklers as needed and send to team on a weekly basis. Perform other duties as required. This position description is not intended to cover or contain a comprehensive list of activities, duties or responsibilities that are required of the employee. Duties, responsibilities and activities may change, or new ones may be assigned at any time, with or without notice. Qualifications and Desired Skills: Undergraduate degree in business, finance/accounting, or related field. Familiarity with financial statements and ability to analyze business and financial data. Proficient in the use of personal computers and software programs, such as Excel and Word. Familiar with financial analysis and development of spreadsheets. Strong communication skills, both verbal and written. Benefits: Avidbank offers full time employees' competitive compensation, medical, dental, vision, life insurance, long term disability insurance, 401k with matching, paid holidays and a competitive paid time off policy. The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. It is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. Avidbank is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. We are an AA/EEO/Veterans/Disabled employer.

A Credit Analyst assists in protecting the financial assets of the company within CED Credit Offices. The desired candidate will use discretion and independent judgment to investigate credit granting, manage a portfolio of receivable accounts, and review and execute legal documents on the behalf of CED. The ideal candidate requires self-motivation, must prioritize effectively, and work successfully with minimal supervision. Reports to: Credit Manager Minimum Qualifications: + Proficiency with MS Excel + Excellent math skills + Experience in credit and collections + Excellent ability to read, write, and speak English Preferred Qualifications: + College degree - will consider related experience in lieu of degree + Strong negotiation skills + Proficiency with Microsoft Office Suite software + Detail oriented + Ability to solve problems + Must be a self-starter who can handle a heavy volume of work and be able to handle multiple tasks at the same time Working Conditions: + Largely sedentary role in an office environment + Routine use of office equipment such as computers, phones, photocopiers, fax machines, filing cabinets Supervisory Responsibilities: No Essential Job Functions: + Be able to manage a large accounts receivable portfolio which includes negotiating, financial review, and creating plans of action with customers and the Division Credit Manager. + Recommend best method of collection on delinquent accounts in collaboration with the Division Credit Manager and PC Manager. + Ability to review credit applications for credit granting, and establishing six figure credit limits. + Escalating collection activities as required by business circumstances. + Assisting the Division Credit Manager to maintain and enforce CED's lien and bond rights for secured projects. + Using experience and customer knowledge to determine the proper time to place accounts on credit hold in collaboration with the Division Credit Manager and PC Manager. + Face-to-face customer meetings to establish and maintain strong relationships with customers and PC Managers. + Negotiating differences with customers and making arrangements for payment and dispute resolution. + Presenting payment, status, plan, reports, and information to management for quarterly credit meetings. + Maintaining professional relationships with Managers and external customers. CED is an Equal Opportunity Employer - Disability | Veteran Compensation Range: The compensation range for this position is $50000 to $70000 annually. Other Compensation: The following additional compensation may be applicable for this position: + Profit Sharing Benefits: Benefits available for this position are: + Insurance - Medical, Dental, Vision Care for full-time positions + 401(k) + Paid Sick Leave + Paid Holidays + Paid Vacation

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: *********************************

A financial services company in San Francisco is seeking a credit professional to assess credit applications and manage administrative aspects related to credit. The ideal candidate should possess a Bachelor's degree and have 2-5 years of experience. Candidates must demonstrate strong analytical and problem-solving skills, alongside proficiency in English. This is primarily a sedentary role with occasional travel for property inspections, and an emphasis on ethical standards in bank policies. #J-18808-Ljbffr

A leading financial institution is seeking an experienced Private Banker to provide high-level advising on wealth management to clients. The role includes managing client relationships, generating new business, and utilizing expertise in investments and financial planning. Candidates should possess at least 6 years of relevant experience, a Bachelor's degree, and relevant financial licenses. Strong sales success and community presence are vital for this role, which aims to deliver exceptional client experiences. #J-18808-Ljbffr

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 serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. Responsibilities: Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities Assists, educates, and trains clients on conducting simple transactions through self-service technologies Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements Required Qualifications: Minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment In lieu of one year of sales experience, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I) or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months Enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client Collaborates effectively to get things done, building and nurturing strong relationships Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives Confident in identifying solutions for helping new and existing clients based on their needs Strong written and verbal communications skills Can communicate effectively and confidently and is comfortable engaging all clients (in-person and by phone) Ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances Applies strong critical thinking and problem-solving skills to meet clients' needs Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws) Must be able to work weekends and/or extended hours and travel to any financial center location within a reasonable distance Desired Qualifications: Associate's Degree or Bachelor's Degree in business, finance or a related field Experience working in a financial center where goals were met or exceeded Retail and/or sales experience in a salary plus incentive environment Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded Experience with financial information, spreadsheets and financial skills Knowledge of banking products and services Strong computer skills including Microsoft applications and previous experience utilizing laptop technology Skills: Active Listening Business Acumen Customer and Client Focus Oral Communications Problem Solving Account Management Client Experience Branding Client Management Client Solutions Advisory Relationship Building Business Development Pipeline Management Prospecting Referral Identification Referral Management Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40

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.

Avidbank is a $2.3 billion commercial bank based in Silicon Valley serving the San Francisco Bay area and beyond. We are a highly responsive business bank, providing tailored financial solutions. We are advocates for our clients and specialize in providing innovative banking products and supportive services that exceed our clients expectations. Founded in 2003, we specialize in commercial & industrial lending, technology and asset-based lending, specialty finance, sponsor finance, real estate construction and commercial real estate lending. We have one branch in San Jose along with loan production offices in Redwood City and San Francisco. Title of position: Credit Analyst Position type: Full-time Pay range: $69,000.00 - $90,000.00 Division: Specialty Finance Work Location Type: Office Hybrid Location: San Jose Essential Functions and Basic Duties: Position assists sponsor finance lending function by gathering and analyzing credit information on current and potential borrowers and determining credit risk for diversified types of loans. Assists loan officers in writing loan requests and proposals. Promotes quality customer relations and refers customers to appropriate staff for new services. Assists loan officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. Gathers data from customers and other sources. Prepares spreadsheets and analyzes financial information including financial statements and tax returns. Contacts customers for additional information and clarification of data. Verifies pledged assets. As instructed, compiles data from credit bureaus, conducts industry peer comparisons, perform cash flow analyses and other related tasks. Based on analysis, makes recommendation on loan structures and terms to loan officers and assists in the writing of financial analysis and reports. Assist with loan processing and coordination. Monitors loans and determines when updates to documentation, e.g. financial statements, are required. Informs loan officers and monitors accounts. Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved. Assists loan officers in verification of funds with mortgage companies and contractors. Participate in the on-going computerization of the loan review function. Assist in providing deposit and loan account ratings for loan officers. Update and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken. Understands government regulations with particular emphasis on the Bank Secrecy Act and related regulations and the fact that compliance with BSA regulations is an enterprise responsibility. May represent the Bank in various community, civic and community reinvestment functions to promote the Banks image and develop additional business. Manage the Specialty Finance Compliance reporting function which includes, but is not limited to: Updates to the Portfolio tracker on a monthly, bi-monthly or weekly basis in preparation for the monthly portfolio reviews. Updates covenants Adds new clients to the tracker Update Horizon with reports and ticklers as needed and send to team on a weekly basis. Perform other duties as required. This position description is not intended to cover or contain a comprehensive list of activities, duties or responsibilities that are required of the employee. Duties, responsibilities and activities may change, or new ones may be assigned at any time, with or without notice. Qualifications and Desired Skills: Undergraduate degree in business, finance/accounting, or related field. Familiarity with financial statements and ability to analyze business and financial data. Proficient in the use of personal computers and software programs, such as Excel and Word. Familiar with financial analysis and development of spreadsheets. Strong communication skills, both verbal and written. Benefits: Avidbank offers full time employees competitive compensation, medical, dental, vision, life insurance, long term disability insurance, 401k with matching, paid holidays and a competitive paid time off policy. The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. It is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. Avidbank is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. We are an AA/EEO/Veterans/Disabled employer.

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 $70,304.00 - $82,128.00

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 serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. Responsibilities: Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities Assists, educates, and trains clients on conducting simple transactions through self-service technologies Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements Required Qualifications: Has a minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment. In lieu of this requirement, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I), or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months. Is an enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client. Collaborates effectively to get things done, building and nurturing strong relationships. Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives. Is confident in identifying solutions for helping new and existing clients based on their needs. Has strong written and verbal communications skills. Is able to communicate effectively and confidently, and is comfortable engaging all clients (in-person and by phone). Has the ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances. Applies strong critical thinking and problem-solving skills to meet clients' needs. Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously. Is a commissioned notary or can successfully obtain a notary commission in the state you work within four months of start date in role (five months for employees with a work location of New York, six months for employees with a work location of Nevada, eight months for employees with a work location of California or Pennsylvania). Can be flexible to work weekends and/or extended hours as needed. Desired Qualifications: An associate's degree or bachelor's degree in business, finance, or a related field. Experience working in a financial center where goals were met or exceeded. Retail and/or sales experience in a salary plus incentive environment. Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded. Experience with financial information, spreadsheets and financial skills. Knowledge of banking products and services. Strong computer skills including MS applications and previous experience utilizing laptop technology. Skills: Active Listening Business Acumen Customer and Client Focus Oral Communications Problem Solving Account Management Client Experience Branding Client Management Client Solutions Advisory Relationship Building Business Development Pipeline Management Prospecting Referral Identification Referral Management Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40