Credit analyst jobs in El Monte, CA

Guggenheim Investments is seeking a Municipal Credit Analyst. The Municipal Credit Analyst is responsible for maintaining market coverage, conducting security and portfolio-level analysis, and sourcing and reviewing investments. This position is collaborative and may be cross-functional across credit sectors and portfolio management in response to market conditions. The employee is responsible for intermediating, aggregating, and disseminating market information to credit sector teams, portfolio managers, and senior investment professionals. The employee will report to the Senior Municipal Credit Analyst/Sector Lead. The position can be located in Santa Monica, CA or New York City, full-time. Responsibilities Key Responsibilities: * Lead evaluation of specialized and complex investments utilizing all available sources of information including governing documents, published research, financial reports, news, rating agency reports, and market information * Analyze new issue and secondary market taxable and tax-exempt municipal credits to create reports, analyses, and recommendations * Create and maintain analytical models and tools that enhance credit research (e.g. sector-wide credit metric comparable, macro stress testing) * In-depth work on the legal characteristics of security structure, such as mutability of cash flow waterfalls, enforceability of tax levies, legality of issuance authorization, substitutability of indentures * Monitor portfolio holdings and municipal sectors for credit changes and material news and events * Formulate and manage sector investment thesis and strategy and communicate firm-wide, incorporating the firm's macro views * Provide the team leader with ongoing information about market sentiment, liquidity, volatility, and other market information about the sector * Prioritize investment activities considering Portfolio needs, desk resources, and market risk/value. * Create and maintain desk tools that improve investment process and efficiency (e.g., secondary offerings, trade reports, bi-weekly meeting data, credit review log) * Create and institutionalize credit research reporting, credit memo templates, and ESG analysis framework * Author the municipal sector team's Quarterly Outlook thought leadership piece * Ensure adherence with firm policies and procedures with respect to investment underwriting, compliance, trading * Direct surveillance, research, and project activities in conjunction with the Team Leader * Develop project scope and set priorities for technology and research initiatives * Assist in the creation and maintenance of marketing materials Qualifications Preferred Qualifications * Advanced degree (MFE, MBA) or equivalent educational background are desirable * 10+ years of experience on the buy side * Strong credit, finance, economic, business, and technical skills * Ability to multi-task across analytical, administrative, and research activities in a detail oriented and timely manner * Team oriented individual with ability to work independently and work well with diverse groups in a market-paced environment Basic Qualifications * BA/BS in a quantitative discipline to include finance, business, economics or accounting * Minimum 6-9 years of experience in credit research and analysis (buy side) * CFA or progress toward CFA is required * Experience with industry standard tools and data products such as Bloomberg, BRS, Ipreo, TM3. * Strong credit, finance, economic, business, and technical skills * Advanced Excel skills are required. SQL, Python skills are desirable * Strong written and verbal communication skills * Strong commitment to performance and accuracy of work product Salary Range Annual base salary between $160,000.00-$175,000.00 The base salary range represents the low and high end of the anticipated base salary range for this position. Actual base salaries may vary depending on factors such as location and experience. The range listed reflects base salary only, and the total compensation package may include other components such as incentive compensation.

Morgan Stanley Investment Management ("MSIM") is a global investment manager with over 40 years of history delivering innovative investment solutions across public and private markets worldwide. We have $1.5Tn of AUM with professionals located across 24 countries, with a proven long term track record of success. Our investment teams bring significant expertise in structuring complex financial transactions and commitment to partnering with world class management teams. Morgan Stanley's extensive business relationships and global network of resources afford our private equity and credit teams as well as our portfolio companies' unparalleled access to leading corporations, executive talent, as well as competitive deal sourcing advantages. Morgan Stanley Private Credit ("MSPC") is the corporate credit-investing business within the Private Credit & Equity segment of Morgan Stanley Investment Management. MSPC manages investments on behalf of third-party institutional and high net worth investors across a number of funds and strategies. MSPC has pockets of capital focused on investing in privately negotiated senior secured debt, junior debt and mezzanine debt investments to middle market corporate issuers as well as select secondary market credit investment opportunities. Morgan Stanley Direct Lending ("MSDL") is a rapidly growing and the largest segment of Morgan Stanley Private Credit. The team closed its first transaction in the first quarter of 2020 has since grown to ~$20 billion of AUM and manages over 225 portfolio accounts. Almost all of the team's investing activities are focused on upper middle market private equity-controlled companies seeking club-executed unitranche financing. MSDL is looking for an Analyst or Associate to support the investment efforts of the credit investing platform. Responsibilities: * Work with senior and junior members of MSDL to conduct due diligence on new opportunities * Perform in-depth sector and company research and detailed financial modeling * Prepare credit investment memoranda * Assist with the negotiation of term sheets, commitment letters and credit documentation * Monitor portfolio company results as well assist with add-on financings and amendments * Bachelor's Degree * Strong academic record and job performance * Minimum of 2 years of relevant work experience, mix of Investment Banking and Private Credit experience preferred * Excellent PowerPoint, Word and Excel skills, including ability to independently create flowing, 3-statement financial projection models * Strong written and verbal presentation skills * Ability to work effectively on multiple projects in a fast-paced environment WHAT YOU CAN EXPECT FROM MORGAN STANLEY: We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you'll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There's also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste ***************************************************** into your browser. Expected base pay rates for the role will be $110,000 - $225,000 per year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs Illinois- Salary range for the position: $110,000 - $225,000 per year. The successful candidate may be eligible for an annual discretionary incentive compensation award. The successful candidate may be eligible to participate in the relevant business unit's incentive compensation plan, which also may include a discretionary bonus component. Morgan Stanley offers a full spectrum of benefits, including Medical, Prescription Drug, Dental, Vision, Health Savings Account, Dependent Day Care Savings Account, Life Insurance, Disability and Other Insurance Plans, Paid Time Off (including Sick Leave consistent with state and local law, Parental Leave and 20 Vacation Days annually), 10 Paid Holidays, 401(k), and Short/Long Term Disability, in addition to other special perks reserved for our employees. Please visit mybenefits.morganstanley.com to learn more about our benefit offerings Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for "Best Bank" and "Best Commercial Bank" from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for "Overall Client Satisfaction" in Small Business & Middle Market Excellence Awards. We are looking for Letter of Credit Specialist to play a key role in global trade finance! If you thrive in a fast-paced environment and have expertise in Letters of Credit, SWIFT, and compliance, this is your chance to make an impact. Essential Functions: * Responsible for day-to-day processing of Letter of Credit, Collection and Trade Finance transactions to facilitate revenue generation and business development. * Responsible for one or more of the following; Issuance of Standby and Commercial Letter(s) of Credit upon proper credit approval/receipt of required application documentation, advising Export Letter(s) of Credit to customers, examines documents presented under all types of L/C's for compliance to terms/conditions and pays as directed. * Monitors Standby Letter(s) of Credit auto renewal(s). Processes Import/Export Documentary Collections, Trade Finance Loans and fees on all products. * Provides counsel to customers/branch personnel on technical aspects of products/processes. * Input(s) all transactions into the trade finance system. * Assists with reporting as needed. Other duties as assigned. Qualifications: * Requires a high school degree or equivalent and 2+ year of related international trade and/or letter of credit operations experience within a financial institution or other directly related experience. * A combination of education and experience may meet job requirements. * Proficient knowledge of trade finance transactions, letter of credit issuance and documents, collections and compliance regulations. * Working knowledge of and understands SWIFT and FedWIRE transactions. * Strong customer service, communication and interpersonal skills in order to interact effectively with clients and all levels of Bank personnel. * Advanced analytical and problem solving skills. * Must be detail-oriented and accurate in a deadline-driven, multitask-oriented environment. * Advanced computer experience required, e.g.. Microsoft Word, Excel, Outlook and PowerPoint. Benefits: * Medical, Dental and Vision Insurance - START DAY ONE! * Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance * Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts * Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays * 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience * Mental health benefits, including coaching and therapy sessions * Tuition Reimbursement for qualifying employees * Employee Ambassador preferred banking products This position is eligible to earn a base salary in the range of $28.00 - $41.00 hourly depending on job-related factors such as level of experience.

At Open Bank, we pride ourselves on being different and OPEN to new ideas and opportunities for our clients and employees. We celebrate innovation, diversity, teamwork, excellence and integrity. We are an equal opportunity employer and offer competitive compensation and benefits package to recruit, retain and reward top talent. We would like to be your partner in success and happiness! Join our TEAM - Together Everyone Achieves More Job Title: Credit Analyst Department: Credit Admin (HQ Office) We are looking for a Credit Analyst to join our Credit Admin team. The Credit Analyst is responsible for underwriting, documenting, processing, and maintaining lending products and loan files. Assist in evaluating loan applications, analyzing financial data, and supporting the Commercial lending team in making informed credit decisions. Key Responsibilities: * Assist underwriting commercial loan products following the bank's loan policy and procedures, and general prudent lending practices. * Perform credit analysis and spreads on financial information; and communicate with the Senior Credit Administrator on loans. * Perform site visitations to new borrowers and existing borrowers. * Prepare and review files for policy, regulatory, and documentation compliance, including equal credit, fair credit reporting, BSA, and other regulatory requirements. * Follow up with tickler items. * Provide good service to all clients and potential clients of the bank, as needed as required for obtaining necessary documents for other departments of the bank. * Maintains high level of awareness in areas of regulatory compliance, loss prevention, security matters and adherence to Bank's policies and procedures. Requirements/Qualifications: * Bachelor's degree in Business Administration or related field or equivalent work experience required. * Excellent verbal and written communication skills. * Good 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 respond effectively to the most sensitive inquiries or client complaints. * Present a professional image in dealing with customers, interdepartmental, and external representatives. * Accurate typing/keyboarding skills; basic computer skills, including the use of word processing, spreadsheet software applications, core banking process systems, e-mail and on-line banking programs. * Good analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions. * Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. * Ability to retain broad knowledge of lending tasks. * Strong analytical skills with a thorough understanding of lending operations and client needs. Employee Benefits & Perks * Medical, Dental, & Vision: Open Bank offers medical, dental, and vision insurance for all full-time employees and their immediate family members. Employees become eligible for insurance benefits on the first of the month following their hire date. * Life, Accidental Death & Dismemberment, & Long-Term Disability: Open Bank pays 100% of the cost. * Flexible Spending Account (FSA): Tax-advantaged financial accounts are offered for employees to pay for eligible out-of-pocket expenses (health, dependent care, transit, and parking) with pre-tax dollars. * 401(k) Retirement Savings Plan: Open Bank matches 100% of the first 6% of employees' contributions. Employees are eligible to participate on the first of the month following 90 days of employment. * Paid Time Off (PTO): Employees begin to accrue PTO hours at the time of hire to use for vacation, illness, or other personal reasons. * Employee Assistance Program (EAP): The EAP offers counseling sessions, online tools and resources, and legal and financial guidance for employees and their family. * Company Paid Lunch: Open Bank provides company paid lunch twice a week. To view current job openings, please visit Open Bank Careers Page: ******************************

About the Role We are seeking a Tax Credit Specialist with expertise in Research & Development (R&D) tax credits to join our growing team. In this role, you will take ownership of performing and completing credit studies, preparing documentation, and delivering final client work products with limited supervision. You will work closely with audit and tax leaders, directly support client engagements, and participate in strategic tax planning initiatives. Key Responsibilities Perform and complete credit studies (including R&D credits) with supporting documentation and client deliverables. Demonstrate advanced technical skills and proficiency in advising clients on federal and state tax credits. Ensure client service assignments are completed within budget and deadlines. Delegate, supervise, and review tax research projects for accuracy and efficiency. Actively participate in client meetings and planning discussions. Collaborate with audit and tax partners, directors, and managers to support larger client engagements with credit calculations and documentation. Requirements Minimum Qualifications 2+ years of public accounting experience, with progressive involvement in federal and state R&D tax credits. Minimum 1 year of supervisory experience (mentoring or directing tax staff). CPA license (active or in process). Commitment to professional development with at least 40 hours of continuing education annually. Strong organizational, research, and client service skills. Benefits Why Join Us Competitive base salary + performance bonus. Overtime at time-and-a-half for staff and seniors. Comprehensive benefits package (medical, dental, vision, retirement). Exposure to diverse clients across industries (public and private). Strong emphasis on career growth and mentorship. Recognized as one of the Best Places to Work with a supportive and entrepreneurial culture.

At Entertainment Partners we help to power Oscar-winning films, Emmy-winning shows, and Clio-winning commercials. Feel the satisfaction of doing work that directly impacts the most exciting industry in the world while fostering a work environment with the nimbleness of a start-up but the stability of a blue chip. EP is poised to redefine and evolve the back-office processes of the entertainment community with security at the core of what we do. Are you looking for the next opportunity to revolutionize an industry? If so.... We are looking for a Client Credit Specialist. This individual will be primarily responsible for performing operational and clerical tasks specifically related to onboarding clients that directly impact Treasury Operations and Cash Management. Position will be integral in the operations of our team and will also be directly interacting with clients to communicate policies. KEY RESPONSIBILITIES Critical thinker with a thirst for knowledge and a desire to learn new processes and systems Understand and articulate financial risks and company policies, including credit and direct deposit policies to clients as well as internal facing departments Work cohesively with internal departments to communicate and escalate non-compliance Provide reporting weekly to clients which are non-compliant with direct deposit policies, while also working to resolve non-compliance with clients professionally Ensure controls surrounding client setup/onboarding are sufficient in order to optimize cash management Assist with ad hoc and back-end analysis to identify opportunities for improving cash flow Perform credit analysis for onboarding clients on a timely basis an communicate financial risks and recommendations to management Assist with other operational procedures related to cash/treasury management JOB REQUIREMENTS/QUALIFICATIONS NEEDED Ability to learn software/computer programs quickly Proficiency in Microsoft Excel College graduate with 1-3 years of experience in either Sales or finance operations Technically savvy and ability to work with multiple system platforms Demonstrate ability to learn new programs quickly Working knowledge of Microsoft Office (Excel, Word, Outlook) Salesforce experience preferred Working knowledge of payroll concepts Good Organizational skills Able to meet strict deadlines Able to handle a high volume of client communication Special projects as assigned

The Credit Analyst is a member of the corporate credit research team within the Fixed Income Group in the Los Angeles office. This role reports to the Head of Credit Research and works closely with other investment professionals in a team-oriented, trading floor environment. The Credit Analyst generates investment recommendations for our investment grade, high yield and bank loan portfolios within their coverage sectors. Specific sector coverage will be determined during the interview process. In addition to proven credit analysis expertise, the candidate must possess highly professional communication skills to effectively present memorandum to credit committee. Essential Duties * Present detailed investment memorandum including industry analysis, financial projections, credit analysis, covenant reviews, valuation analysis, relative value analysis, recovery analysis and investment recommendation * Create and maintain financial models and databases, which are used to monitor and analyze both existing and prospective investments * Evaluate new issue investment opportunities * Monitor and synthesize news flow, company announcements, and industry reports related to portfolio investments * Maintain industry scorecards and relative value frameworks * Present on sector themes and discuss Buy/Hold/Sell lists * Conduct meetings and sustain relationships with management teams, sell-side analysts, rating agency analysts, and industry experts Required Qualifications * Minimum 6 years of buy-side or sell-side research and/or investment banking experience * Bachelor's Degree from a competitive university or college with strong academic performance and relevant coursework * Excellent finance, accounting and math skills * Solid proficiency with Bloomberg, Excel, Word and PowerPoint Professional Skills Qualifications * Diligent, hard-working, responsible, willing to work both in a team setting and independently, and have proven these characteristics * Solid verbal and written communication skills * Strong work ethic and uncompromising attention to detail * Proven ability to work in a fast-paced environment and remain organized and productive under challenging time constraints * Initiative to complete tasks and enhance output under limited supervision * Entrepreneurial attitude, intellectual curiosity, creativity to identify investment opportunities Desired Qualifications * Graduate degree and/or CFA designation preferred; or, equivalent work experience This role requires candidates to work from a TCW office five days a week. Estimated Compensation: Base Salary: For CA based position, the base salary range is $185k-$200k. This represents base salary range only. Other Compensation:In addition to the base salary, this position will be eligible to be considered for an annual discretionary bonus. Benefits: Eligible for TCW's comprehensive benefits package. #LI-SW1

Full-time Description Solutions MAZO Capital Solutions is a fast-growing, tech-enabled equipment finance lender powering America's entrepreneurial spirit. We partner with equipment dealers, manufacturers, and online marketplaces nationwide to deliver simple, fast, and flexible financing solutions for small and mid-sized businesses. As MAZO continues its rapid growth as an on-balance-sheet lender, we're expanding our Credit & Risk team to help us say “yes” more while protecting portfolio quality. If you are analytical, detail-oriented, and eager to build a career in commercial credit or financial services, MAZO is an incredible place to learn and grow. Position Overview We are seeking a Junior Credit Analyst who is early in their career and excited to learn the fundamentals of underwriting and credit evaluation. This role supports our Senior Credit Analysts and Underwriters by reviewing documentation, analyzing financial information, and preparing initial credit assessments. This is an excellent opportunity for someone pursuing a future in equipment finance, commercial lending, or risk management. Requirements Key Responsibilities · Assist in reviewing credit applications, bank statements, financials, and credit bureau reports. · Conduct preliminary financial analysis and risk assessment under guidance from senior team members. · Help prepare credit write-ups and summaries outlining key findings and risk considerations. · Communicate with Sales and Business Development teams to gather missing or additional documentation. · Support the structuring of transactions and provide recommendations based on internal guidelines. · Identify potential red flags or inconsistencies within applicant information. · Maintain accurate documentation and support ongoing improvements to underwriting processes. Qualifications · 0-2 years of experience in financial services, lending, banking, equipment finance, or related field (internships welcomed). · Strong analytical skills with an interest in credit, risk, or financial statement analysis. · Ability to interpret bank statements and basic financial documents (training provided). · Excellent written and verbal communication skills. · Highly detail-oriented and comfortable in a fast-paced environment. · Proficient with Microsoft Excel; familiarity with Salesforce is a plus. · Bachelor's degree in Finance, Economics, Accounting, Business, or related field preferred.

Credit Analyst - (250000PG) Description Who We AreThrough our service brands Hyundai Motor Finance, Genesis Finance, and Kia Finance, Hyundai Capital America offers a wide range of financial products tailored to meet the needs of Hyundai, Genesis, and Kia customers and dealerships. We provide vehicle financing, leasing, subscription, and insurance solutions to over 2 million consumers and businesses. Embodying our commitment to grow, innovate, and diversify, we strive to reimagine the customer and dealer experience and launch innovative new products that broaden our market reach. We believe that success comes from within and are proud to support our team members through skill development and career advancement. Hyundai Capital America is an Equal Opportunity Employer committed to creating a diverse and inclusive culture for our workforce. We are a values-driven company dedicated to supporting both internal and external communities through volunteering, philanthropy, and the empowerment of our Employee Resource Groups. Together, we strive to be the leader in financing freedom of movement. We Take Care of Our PeopleAlong with competitive pay, as an employee of HCA, you are eligible for the following benefits:· Medical, Dental and Vision plans that include no-cost and low-cost plan options· Immediate 401(k) matching and vesting· Vehicle purchase and lease discounts plus monthly vehicle allowances· Paid Volunteer Time Off with company donation to a charity of your choice· Tuition reimbursement What to ExpectThe Associate, Consumer Credit is responsible for underwriting consumer applications from Hyundai, Kia and Genesis Dealers. This position is responsible for making credit decisions that meet acceptable underwriting standards within HCA's policies and procedures as well as adhering to all State and Federal regulatory compliance. All Credit Analyst responsibilities should be handled in an expeditious manner per HCA's KPI's. This position requires flexibility and ability to adapt to a multi-functional departmental structure. All positions within the Operations Division are expected to collaborate cross-divisionally to achieve a seamless customer experience; this includes supporting other departments as necessary to meet the business need. What You Will Do1. Analyze information from credit applications utilizing the four C's of credit to make sound credit decisions based on appropriate authority level, while effectively negotiating the terms and conditions of loan decisions via dealer phone calls or electronic rehash. 2. Balance the demands of Production, Sales Support, Risk, and Quality Assessments while maintaining established SLA's. Participate in team meetings and Calibrations to communicate, share trends, review Policies & Procedures and team goals. 3. Follow up for approvals and pending contracts to increase capture rate and monitor dealer's portfolio. Be well versed in eContract and eRehash processes. Conduct Customer Interviews and investigations when needed to facilitate in credit decisions or assist in the funding process. Coach and assist dealers to resolve funding issues and reduce unclean contracts. 4. Performance Coaching: Actively participate in coaching and development sessions/trainings to co-create solutions that enhance individual performance and overall department/team performance. 5. Perform all other duties as assigned. Qualifications What You Will Bring· Minimum 1-year automotive finance experience (Desirable)· Experience with Collections, Funding, Dealer Services, Lease end or Customer Service (Desirable)· Auto finance or related background is preferred· 2 years of experience in fast paced office environment· Experience with Dealer operations or Sales (Desirable)· High school graduate (GED), College Degree preferred· Strong verbal, written and interpersonal skills· Analytical with high attention to detail· Self- starter with excellent time management skills· Well versed on company product offerings, reporting and measurement systems· Ability to negotiate, influence and collaborate both with customers and associates Work EnvironmentEmployees in this class are subject to extended periods of sitting, standing, and walking, vision to monitor and moderate noise levels. Work is performed in an office environment. This position requires flexibility with schedule to include weekends, evenings and holidays. The posted salary range for this job 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; geographic location, and other business and organizational needs. Successful candidates may be hired anywhere in the salary range based on these factors. It is uncommon to hire candidates at or near the top of the range. California Privacy NoticeThis notice only applies to our applicants who reside in the State of California. The latest version of our Privacy Policy can be found here. This Privacy Policy provides you with notice, at or before the point of collection, about the categories of personal information to be collected from you, the purposes for which your personal information is collected or used, and whether that information is sold or shared, so that you can exercise meaningful control over our use of your personal information. We are providing this notice to comply with the California Consumer Privacy Act of 2018, as amended as amended by the California Privacy Rights Act of 2020 (“CCPA”). If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at Privacy2@hcs. com. Primary Location: United States-California-IrvineWork Locations: Headquarters 1 3161 Michelson Dr. Ste 1900 Irvine 92612Job: Underwriting Op. Job Type: RegularOvertime Status: Non-exempt Schedule: Full-time Minimum Salary: $48,552. 00Maximum Salary: $72,828. 00Job Posting: Dec 10, 2025

Bluecrest Residential (“Bluecrest”) is a vertically integrated multifamily operator with over 60 years of combined multifamily investment experience throughout market cycles focusing on niche strategies and superior relative value. Since 2004, the principals have acquired approximately 20,000 units and have invested in the development of over 6,000 units. Since 2018, Bluecrest principals have been investing preferred equity in multifamily assets on behalf of large institutional investors. In 2022, Bluecrest principals were the largest seller of multifamily in the US and has consistently delivered exceptional results, with deal level IRRs exceeding 30% annually since inception. Going forward, Bluecrest is looking to acquire high-quality multifamily assets across the Sunbelt and continue to invest preferred equity in multifamily development projects. Bluecrest Residential is seeking a Senior Analyst or Associate to support underwriting and active portfolio management for the stretch senior and preferred equity platforms. This person will run asset level and portfolio level analysis, track loan covenants, evaluate construction progress and delays, review draw requests, and produce clear recommendations to leadership. The Senior Analyst sits at the center of credit, asset management, construction risk, and capital markets. Responsibilities Underwrite new loans and preferred equity investments including sponsor diligence, market analysis, budget and schedule reviews, and base case and downside scenarios DSCR, debt yield, LTV, exit metrics. Build and maintain cash flow and waterfall models for A note and B note structures and for preferred equity with full return waterfalls and sensitivity tables. Prepare investment memos with clear thesis, risks, mitigants, and covenant packages. Lead post closing monitoring for assigned assets monthly operating reviews, DSCR and debt yield tests, construction progress and contingency burn, schedule variance, change order logs, and cost to complete. Manage construction draw reviews pay app tie outs, lien waivers, retainage, and reconciliation to budget and schedule. Track and enforce covenants and triggers coverage tests, net worth and liquidity tests, completion tests, and reporting deliverables. Partner with bank counterparties on whole loan structures intercreditor administration for A note and B note, consents, waivers, and remedies. Coordinate third party reports and diligence appraisals, cost reviews, environmental, surveys, PCAs, and insurance compliance. Maintain high quality data rooms and portfolio dashboards update monthly KPIs, covenant calendars, and risk ratings. Support amendments, extensions, and restructurings including term sheets, scenario analysis, and negotiation materials. Contribute to quarterly investor reporting and portfolio reviews concise commentary on performance, risk, and outlook. Requirements Bachelor's Degree in Finance, Economics, Real Estate, Business or related field. You have two-seven years of relevant experience depending from a commercial bank construction lending group, a real estate debt fund, a life company lender, or a credit focused sponsor. You have strong financial modeling skills in Excel with comfort building from a blank sheet and auditing existing models. You have working knowledge of construction lending and development risk GMP contracts, change orders, payment applications, retainage, lien waivers, completion guarantees, and cost to complete. You have familiarity with intercreditor agreements, A note and B note structures, UCC remedies, and preferred equity waterfalls. You are able to read and summarize loan documents and covenants and translate into actionable monitoring tools. You have excellent interpersonal, written and communication skills. You have strong organization skills and follow through with attention to detail and deadlines. Benefits Competitive Salary- The salary for this position will be determined based on the candidate's total relevant experience. Relevant experience would be total years of experience as an Analyst in a commercial bank construction lending group, a real estate debt fund, a life company lender, or a credit focused sponsor. Performance Bonuses- Our corporate team participates in performance-based bonuses. Paid Time Off- Unlimited DTO starting upon hire. Mentorship- Work with an experienced team of multifamily investment professionals. Holiday Pay- 10 full paid holiday. Paid Volunteer Hours- 8 hours of paid volunteer time you can use throughout the year. Housing Discounts- 25% off rent available for all employees off any unit. Comprehensive Insurance Benefits- Medical PPO, HDHP, FSA, HSA with employer match Dental, Vision, STD, & LTD. Retirement Plan- 401K with a 25% company match up to 6%. Travel & Personal Discounts- Company rate National/Enterprise rental cars for leisure travel, plus additional discounts with Verizon (18% discount) and Expedia (10% discount). Certification Reimbursement- Full reimbursement for approved industry related certifications, including CAM, CPO, EPA, and more! Tech Forward & Transparent Culture- Innovative internal software to make your job easier! Cultural Appeal- We run on transparency and healthy debate (No Fear of Conflict); you are encouraged to appeal and share what is not working well. Your voice truly matters! EOE

Key Responsibilities: * Analyze and render decisions on incoming credit applications for powersports loans, ensuring adherence to company guidelines and risk policies. * Assess borrower creditworthiness through credit reports, structure and other tools. * Collaborate with dealers to negotiate deal terms where necessary, working to maximize capture rate while maintaining credit quality. * Communicate credit decisions clearly and professionally to dealer partners and the sales team. * Build and maintain strong relationships with dealers to support business growth and promote loyalty. * Conduct timely follow-ups on approved applications. * Review and resolve funding exceptions in a timely and accurate manner. * Provide ongoing training to dealer partners on credit processes, funding requirements, and company policies. * Handle both incoming and outgoing calls. * Actively remind and educate dealers on value-added products such as KPP (Kawasaki Protection Plus) to enhance customer offerings and increase product penetration. * Demonstrate excellent verbal and written communication skills in all interactions with internal teams and external partners. * Work closely with internal teams (sales, funding, customer service and credit). * Assist in developing underwriting procedures and training tools. * Collaborate with the Credit Manager to set up the business and ensure adherence to regulatory requirements. * Utilize Microsoft Office and Loan Origination Systems (LOS) to process and manage loan applications. * All other duties as assigned. Qualifications: * A minimum of 5 years of experience in credit analysis in powersports/motor vehicle lending. * Proficiency in Microsoft Office (Word, Excel, PowerPoint). * High school diploma, associate degree or equivalent in Finance, Business, or related field. * Strong interpersonal and relationship management skills. * Proven ability to assess credit risk and make sound lending decisions. * Ability to work independently and collaboratively in a fast-paced and changing environment. * Strong analytical and decision-making skills. * Research and problem-solving capabilities. * Excellent communication and interpersonal skills. * Act as a resource for dealer and staff questions regarding the KMRF's loan programs. * Ability to work on-site at our Foothill Ranch, CA office Profile Differentiators: * Experience in founding, co-founding or working in a fast-paced startup environment. * Experience in Powersports Finance Industry (motorcycle, ATVs UTVs, PWCs) * Experience in a FinTech startup. * Advanced Professional degree Hourly Range: $30.00/hr. - $36.00/hr., based on experience and qualifications. Equal Opportunity: KMRF is an Equal Opportunity Employer; employment with KMRF is governed on the basis of merit, competence and qualifications and will not be influenced in any manner by race, color, religion, gender, national origin/ethnicity, veteran status, disability status, age, sexual orientation, gender identity, marital status, mental or physical disability or any other legally protected status.

Allstate Floral is a leading home décor company that has become known for its innovative designs and breadth of high-quality artificial flowers and home décor accessories. Products include decorative flowers, plants, trees, home accents and holiday décor sold through a broad spectrum of global retailers, distributors, and interior designers. Allstate Floral fosters an energetic work environment of creativity and collaboration. As the leading importer with the largest in-stock decorative flowers, greenery and home decor, Allstate Floral is always looking to recruit and retain exceptional people who are skilled, confident, innovative and committed to providing excellent customer service to buyers. POSITION OVERVIEW The Credit Specialist/Sr. Credit Specialist at Allstate Floral are generally responsible for managing debts owed to creditors. This position oversees various operations necessary for resolving client debt repayment and evaluates the credit situation of a customer to identify debtors and credit level. ESSENTIAL FUNCTIONS Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Process customers' credit application and obtain required documents. Analyze and assess customers' creditworthiness. File customer credit application. Response to credit inquiries from mutual vendors. Document customer credit history. Check existing customers' credit with mutual vendors as needed for credit term and limit adjustment. Reply account credit status inquiries from customers, sales representatives, and internal staff. Collect payments from customers. Perform customers' account reconciliation and keep customers' account as current as possible. Establish and maintain regular communications with customers to accelerate periodic payments. Identify delinquent accounts requiring external collection efforts. Initiate collection action against debtors who dodge, ignore, or refuse payment after numerous collection attempts. Document collection activities. File proof of claim for accounts filed bankruptcy. Post payments, make bank deposits, and review reports to apply on account credit and collect short payments. Research deductions, coordinate with Customer Care and Sales to solve the discrepancies. Scan and save copy electronically for all checks, ACHs, wire transfers, and cash deposits. Research credit card charge backs and file dispute if necessary. Provide Credit Processing with copies of the checks indicating deductions taken on the daily bases for account reconciliation and on account credit application purpose. Note payments posted on account. Update postdated payments information to customers' account. Regular and reliable attendance is essential for this role COMPETENCIES Technical Capacity. Business Acumen. Communication Proficiency. Ethical Conduct. Problem Solving/Analysis. Strategic Thinking. WORK ENVIRONMENT This job operates in a clerical office setting. The role routinely uses standard office equipment such as computers, phones, copiers, filing cabinets, and fax machines. When expected to travel to trade shows, the environment becomes the showroom. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. This is largely a sedentary role; however, work is performed in an office environment and requires the ability to operate standard office equipment and keyboards. While performing the duties of this job, the employee is regularly required to talk and hear. This position is very active and requires: standing and sitting at will, walking, and bending as necessary; lifting, carrying, pushing, and pulling items up to 35 pounds regularly without assistance and over 35 pounds occasionally with assistance; reaching overhead, at, or below shoulders; gross manipulation with hands and fine manipulation with fingers. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus. POSITION TYPE AND EXPECTED HOURS OF WORK This is a full-time position in our Cerritos, California, headquarters. Business hours are Monday through Friday, 8:30 a.m. to 5:30 p.m., however, additional or changes in hours may be required to meet work expectations. If requested to travel to trade shows, the expected days and hours of work will change accordingly. TRAVEL Travel is primarily locally during the business day. No travel outside of the office is expected for this position. REQUIRED EDUCATION AND EXPERIENCE High School Diploma 3+ years in an office customer service environment Bilingual Spanish proficiency preferred 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. SALARY RANGE $25.00 hourly EQUAL EMPLOYMENT OPPORTUNITY Allstate Floral provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type 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. Please see our Privacy Notice to California Job Applicants.

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. Experience as a loan underwriter in commercial real estate lending is highly desirable. 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.

Join our team as a Call Back Analyst and play a key role in turning approvals into contracts. You'll call dealerships on applications that have been approved or conditionally approved through our automated decisioning process and will provide solutions with the goal of capturing the contract while assessing the overall risk of the application. Using UACC's common-sense lending approach, you will build strong dealer relationships over the phone, deliver outstanding service, and help drive business growth while representing a trusted brand in the auto finance industry. Essential Duties and Responsibilities As a Call Back Analyst, you'll be the bridge between approvals and signed contracts, turning opportunities into results while building lasting dealer relationships. You will: Close the loop - Call our dealership partners to rehash approvals with the goal of capturing the contract while providing solutions and assessing the overall risk of the application. Match the right fit - Ensure sales contracts meet program and guideline specifications or counteroffer to a different program to evaluate risk and price the application accordingly Be a trusted partner - Work hand-in-hand with dealerships, Area Managers, and our Sales/Marketing team to strengthen relationships and drive success. Add value to every deal - Review deals with dealers and help structure or restructure them for the best possible outcome. Bring solutions to the table - Gather key information to recommend alternative products or programs when appropriate. Educate and empower - Clearly explain the “why” behind credit decisions, helping dealers understand our approach and build confidence in our partnership. Aim high - Consistently hit or exceed monthly goals for production, quality, and customer satisfaction. Collaborate for success - Work closely with internal teams like Funding and Sales to keep deals moving smoothly. Stay adaptable - Jump in where needed to support the team and company goals. Qualifications We're looking for a motivated professional who thrives in a fast-paced, relationship-driven environment. Skills & Abilities Excellent communication and interpersonal skills Strong organizational and time management abilities Proven ability to build relationships with dealers, sales/marketing teams, and peers Skilled negotiator with a drive to win in a competitive market and ability to think outside the box Compensation Range: $18.00 - $21.00 an hour, based on experience Uncapped Bonuses, Averaging $1,100 - $1,500 monthly Expected Total Compensation including Average Bonuses = $52K - $58k plus!! Education/Experience Bachelor's degree preferred (or equivalent combination of education and experience) Auto finance or financial services experience preferred but not required No certifications or licenses required Technical Skills Proficient in Microsoft Office, Google G Suite, and Teams Commitment to Diversity and Equal Employment Opportunity United Auto Credit Corporation, a wholly owned indirect subsidiary of Vroom, is an equal opportunity employer committed to creating and supporting a work environment where all employees can find their drive. To do that, we champion a workplace where each and every person is treated with dignity and respect and is valued for their unique perspectives and contributions. We believe our values of SPEED (Service, Progress, Employees, Engagement, and Development) are best realized in an environment, whether physical or virtual, where every individual has the ability to bring their whole selves to work and contribute fully. UACC maintains a working environment that encourages mutual respect and promotes harmonious and friendly relationships among employees. The company prohibits any form of employment discrimination or harassment against employees, applicants, or other protected persons in the workplace based on a protected characteristic(s), regardless of who the source is of such conduct. Protected characteristics include race, color, religion, creed, sex (including gender, sexual orientation, gender identity or expression, or pregnancy, childbirth, or a related medical condition), national origin, ancestry, ethnicity, age, physical or mental disability, genetic information, service in the uniformed services, citizenship, or any other characteristic protected by federal, state, and/or local law. This commitment to antidiscrimination and antiharassment applies to all terms, conditions, and privileges of employment including, but not limited to, recruitment and hiring. UACC likewise provides reasonable accommodations to qualified applicants, employees, or other legally protected individuals in the workplace with a disability to enable them to participate in the job application process, to perform the essential functions of a job, or to enjoy the benefits and privileges of employment equal to those of other employees, except if the accommodation would pose an undue hardship. The company also makes reasonable accommodations for religious beliefs and practices. UACC complies with all applicable federal, state, and/or local laws relating to equal employment. Other Things to Note This posting is not intended to provide a comprehensive account of the duties and responsibilities that may be required of this position. Duties and responsibilities may change or be added at any time, with or without notice. Please review our privacy and CCPA policies.

Perform the analysis of financial statements and tax returns using nCino for Account Officers to use in their recommendations for new and renewal extensions of credit. Calculate various financial ratios to assist in the ongoing monitoring of borrower compliance to financial covenants per loan agreements and the submission of financial documents. ESSENTIAL FUNCTIONS Manages ticklers and covenants and monitors receipt of financial documents pertaining to the existing credits using nCino. This may include financial statements for borrowers, owners and/or guarantors, tax returns, financial spreads, collateral information, covenants, borrowing base, credit reports, and projections. Prepares and analyzes financial spreads using nCino for private and public companies, prospect, individual and corporate tax returns according to the standard classification and guidelines established by the Bank. Prepares individual and global cash flows. Calculates covenant compliance based on Borrower's Loan Agreement (BLA). Forwards completed spreads to lending unit. Identifies and notifies lending unit of covenant violations and escalates to Credit Administrators as required. Maintains up-to-date knowledge on all Bank lending policies and regulations. Maintains up-to-date knowledge in financial spreads and basic GCF process. Completes quality spreads with supervision. QUALIFICATIONS Education: College degree in Finance, Accounting, Business, or related field preferred, or 2 years related experience in credit or financial analysis. Experience: Minimum one year (prefers two) of working experience in analyzing financial statements, cash flow analysis, familiarity with various industries, collateral issues and values, and analysis of guarantor personal financial statements and tax returns. Skills/Ability: Good working knowledge of accounting, credit policy and financial statement analysis. Good organizational and analytical skills. Good verbal and written communication skills. Ability to work successfully both independently and as a team player. Proficient in Microsoft Office (Word, Excel, PowerPoint, and Outlook). OTHER DETAILS $20.0 - $21.63 / hour Pay determined based on job-related knowledge, skills, experience, and location.This position may be eligible for a discretionary bonus.

The Credit Analyst Intern spreads financial statements and prepares of credit-related reports for presentation to loan officers. Responsibilities are primarily to assist and support Relationship Managers and Regional Executive Vice President as they make and service all types of business, real estate, and individual loans and lines of credit, both secured and unsecured. Provides analysis and research for other projects including marketing area assessments, etc. This internship will provide an opportunity to develop and sharpen analytical skills. The aim of our internship program is to engage and prepare interns to develop a deeper understanding and obtain a good foundation of the Bank's credit appetite. Wage: $20 per hour Location: Los Angeles, California Hybrid Eligibility: No

Job DescriptionAbout the Role We are seeking a Tax Credit Specialist with expertise in Research & Development (R&D) tax credits to join our growing team. In this role, you will take ownership of performing and completing credit studies, preparing documentation, and delivering final client work products with limited supervision. You will work closely with audit and tax leaders, directly support client engagements, and participate in strategic tax planning initiatives. Key Responsibilities Perform and complete credit studies (including R&D credits) with supporting documentation and client deliverables. Demonstrate advanced technical skills and proficiency in advising clients on federal and state tax credits. Ensure client service assignments are completed within budget and deadlines. Delegate, supervise, and review tax research projects for accuracy and efficiency. Actively participate in client meetings and planning discussions. Collaborate with audit and tax partners, directors, and managers to support larger client engagements with credit calculations and documentation. Requirements Minimum Qualifications 2+ years of public accounting experience, with progressive involvement in federal and state R&D tax credits. Minimum 1 year of supervisory experience (mentoring or directing tax staff). CPA license (active or in process). Commitment to professional development with at least 40 hours of continuing education annually. Strong organizational, research, and client service skills. Benefits Why Join Us Competitive base salary + performance bonus. Overtime at time-and-a-half for staff and seniors. Comprehensive benefits package (medical, dental, vision, retirement). Exposure to diverse clients across industries (public and private). Strong emphasis on career growth and mentorship. Recognized as one of the Best Places to Work with a supportive and entrepreneurial culture.

ABOUT ALLSTATE FLORAL Allstate Floral is a leading home décor company that has become known for its innovative designs and breadth of high-quality artificial flowers and home décor accessories. Products include decorative flowers, plants, trees, home accents and holiday décor sold through a broad spectrum of global retailers, distributors, and interior designers. Allstate Floral fosters an energetic work environment of creativity and collaboration. As the leading importer with the largest in-stock decorative flowers, greenery and home decor, Allstate Floral is always looking to recruit and retain exceptional people who are skilled, confident, innovative and committed to providing excellent customer service to buyers. POSITION OVERVIEW The Credit Specialist/Sr. Credit Specialist at Allstate Floral are generally responsible for managing debts owed to creditors. This position oversees various operations necessary for resolving client debt repayment and evaluates the credit situation of a customer to identify debtors and credit level. ESSENTIAL FUNCTIONS Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Process customers' credit application and obtain required documents. Analyze and assess customers' creditworthiness. File customer credit application. Response to credit inquiries from mutual vendors. Document customer credit history. Check existing customers' credit with mutual vendors as needed for credit term and limit adjustment. Reply account credit status inquiries from customers, sales representatives, and internal staff. Collect payments from customers. Perform customers' account reconciliation and keep customers' account as current as possible. Establish and maintain regular communications with customers to accelerate periodic payments. Identify delinquent accounts requiring external collection efforts. Initiate collection action against debtors who dodge, ignore, or refuse payment after numerous collection attempts. Document collection activities. File proof of claim for accounts filed bankruptcy. Post payments, make bank deposits, and review reports to apply on account credit and collect short payments. Research deductions, coordinate with Customer Care and Sales to solve the discrepancies. Scan and save copy electronically for all checks, ACHs, wire transfers, and cash deposits. Research credit card charge backs and file dispute if necessary. Provide Credit Processing with copies of the checks indicating deductions taken on the daily bases for account reconciliation and on account credit application purpose. Note payments posted on account. Update postdated payments information to customers' account. Regular and reliable attendance is essential for this role COMPETENCIES Technical Capacity. Business Acumen. Communication Proficiency. Ethical Conduct. Problem Solving/Analysis. Strategic Thinking. WORK ENVIRONMENT This job operates in a clerical office setting. The role routinely uses standard office equipment such as computers, phones, copiers, filing cabinets, and fax machines. When expected to travel to trade shows, the environment becomes the showroom. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. This is largely a sedentary role; however, work is performed in an office environment and requires the ability to operate standard office equipment and keyboards. While performing the duties of this job, the employee is regularly required to talk and hear. This position is very active and requires: standing and sitting at will, walking, and bending as necessary; lifting, carrying, pushing, and pulling items up to 35 pounds regularly without assistance and over 35 pounds occasionally with assistance; reaching overhead, at, or below shoulders; gross manipulation with hands and fine manipulation with fingers. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus. POSITION TYPE AND EXPECTED HOURS OF WORK This is a full-time position in our Cerritos, California, headquarters. Business hours are Monday through Friday, 8:30 a.m. to 5:30 p.m., however, additional or changes in hours may be required to meet work expectations. If requested to travel to trade shows, the expected days and hours of work will change accordingly. TRAVEL Travel is primarily locally during the business day. No travel outside of the office is expected for this position. REQUIRED EDUCATION AND EXPERIENCE High School Diploma 3+ years in an office customer service environment Bilingual Spanish proficiency preferred 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. SALARY RANGE $25.00 hourly EQUAL EMPLOYMENT OPPORTUNITY Allstate Floral provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type 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. Please see our Privacy Notice to California Job Applicants. Powered by JazzHR W9Ydi1r1kM

Join our team as a Call Back Analyst and play a key role in turning approvals into contracts. You'll call dealerships on applications that have been approved or conditionally approved through our automated decisioning process and will provide solutions with the goal of capturing the contract while assessing the overall risk of the application. Using UACC's common-sense lending approach, you will build strong dealer relationships over the phone, deliver outstanding service, and help drive business growth while representing a trusted brand in the auto finance industry. Essential Duties and Responsibilities As a Call Back Analyst, you'll be the bridge between approvals and signed contracts, turning opportunities into results while building lasting dealer relationships. You will: * Close the loop - Call our dealership partners to rehash approvals with the goal of capturing the contract while providing solutions and assessing the overall risk of the application. * Match the right fit - Ensure sales contracts meet program and guideline specifications or counteroffer to a different program to evaluate risk and price the application accordingly * Be a trusted partner - Work hand-in-hand with dealerships, Area Managers, and our Sales/Marketing team to strengthen relationships and drive success. * Add value to every deal - Review deals with dealers and help structure or restructure them for the best possible outcome. * Bring solutions to the table - Gather key information to recommend alternative products or programs when appropriate. * Educate and empower - Clearly explain the "why" behind credit decisions, helping dealers understand our approach and build confidence in our partnership. * Aim high - Consistently hit or exceed monthly goals for production, quality, and customer satisfaction. * Collaborate for success - Work closely with internal teams like Funding and Sales to keep deals moving smoothly. * Stay adaptable - Jump in where needed to support the team and company goals. Qualifications We're looking for a motivated professional who thrives in a fast-paced, relationship-driven environment. Skills & Abilities * Excellent communication and interpersonal skills * Strong organizational and time management abilities * Proven ability to build relationships with dealers, sales/marketing teams, and peers * Skilled negotiator with a drive to win in a competitive market and ability to think outside the box Compensation Range: * $18.00 - $21.00 an hour, based on experience * Uncapped Bonuses, Averaging $1,100 - $1,500 monthly * Expected Total Compensation including Average Bonuses = $52K - $58k plus!! Education/Experience * Bachelor's degree preferred (or equivalent combination of education and experience) * Auto finance or financial services experience preferred but not required * No certifications or licenses required Technical Skills * Proficient in Microsoft Office, Google G Suite, and Teams Commitment to Diversity and Equal Employment Opportunity United Auto Credit Corporation, a wholly owned indirect subsidiary of Vroom, is an equal opportunity employer committed to creating and supporting a work environment where all employees can find their drive. To do that, we champion a workplace where each and every person is treated with dignity and respect and is valued for their unique perspectives and contributions. We believe our values of SPEED (Service, Progress, Employees, Engagement, and Development) are best realized in an environment, whether physical or virtual, where every individual has the ability to bring their whole selves to work and contribute fully. UACC maintains a working environment that encourages mutual respect and promotes harmonious and friendly relationships among employees. The company prohibits any form of employment discrimination or harassment against employees, applicants, or other protected persons in the workplace based on a protected characteristic(s), regardless of who the source is of such conduct. Protected characteristics include race, color, religion, creed, sex (including gender, sexual orientation, gender identity or expression, or pregnancy, childbirth, or a related medical condition), national origin, ancestry, ethnicity, age, physical or mental disability, genetic information, service in the uniformed services, citizenship, or any other characteristic protected by federal, state, and/or local law. This commitment to antidiscrimination and antiharassment applies to all terms, conditions, and privileges of employment including, but not limited to, recruitment and hiring. UACC likewise provides reasonable accommodations to qualified applicants, employees, or other legally protected individuals in the workplace with a disability to enable them to participate in the job application process, to perform the essential functions of a job, or to enjoy the benefits and privileges of employment equal to those of other employees, except if the accommodation would pose an undue hardship. The company also makes reasonable accommodations for religious beliefs and practices. UACC complies with all applicable federal, state, and/or local laws relating to equal employment. Other Things to Note This posting is not intended to provide a comprehensive account of the duties and responsibilities that may be required of this position. Duties and responsibilities may change or be added at any time, with or without notice. Please review our privacy and CCPA policies.