Credit analyst jobs in Evansville, IN

Join a fast-growing, globally recognized consumer products company known for premium, innovative outdoor goods that bring people together. We're modernizing our finance technology landscape and looking for a Cloud ERP Financials Analyst to support our Finance & Accounting teams across North America and international markets. In this role, you'll support and optimize a cloud-based ERP platform (Oracle, SAP, Workday, or similar), helping drive accurate financials, scalable processes, and a world-class month-end close. If you enjoy problem-solving, building better processes, and working with a team passionate about creating great consumer experiences, this is a great fit. This role requires hybrid onsite attendance at a corporate office near Naperville. What You'll Do: Support daily operations across GL, AP, AR, FA, and Projects Configure financial modules, maintain enterprise structures, and manage workflows Partner with Finance/Accounting teams to streamline processes and improve system usability Build & maintain dashboards, reports, and financial data uploads Assist with monthly/quarterly close, reconciliations, and audit readiness Test cloud releases and ensure system stability across global business units What You Bring: Experience with a cloud ERP (Oracle Cloud ERP, SAP S/4HANA, Workday, D365, etc.) Strong understanding of financial processes and accounting fundamentals Ability to translate business requirements into clean system configuration Collaborative mindset and the ability to support a fast-paced, consumer-driven environment Why It's Exciting: You'll help shape the finance systems behind an iconic, outdoor-lifestyle and home-experience product portfolio-one that millions of customers use and love. This is your chance to grow your ERP expertise, influence global processes, and be part of a brand committed to innovation, design, and unforgettable consumer experiences. MMD Services Inc. is an equal opportunity employer. All applicants are considered for all positions without regard to race, religion, color, sex, gender, sexual orientation, pregnancy, age, national origin, ancestry, physical/mental disability, medical condition, military/veteran status, genetic information, marital status, ethnicity, alienage, or any other protected classification, in accordance with applicable federal, state, and local laws.

The Systems Analyst III is responsible for defining system scope and objectives based on user needs, business requirements, and industry standards. This role analyzes complex business problems, documents requirements, and translates them into detailed system specifications. The position operates at the highest technical level across most phases of the system lifecycle while balancing business objectives and long-term technology strategy. A key focus of this role is to build and enhance the voice solutions supporting the Five9 contact center platform. The analyst will develop high-quality, reliable, and high-performing voice applications using technologies such as SIP, RTP/RTCP, IVR, IVA, WebRTC, Web Sockets, and JavaScript. This role requires strong technical expertise, problem-solving ability, and cross-functional collaboration to drive exceptional customer and patient experiences. Major Responsibilities Application & Technical Expertise (40%) ● Serve as the Subject Matter Expert (SME) for at least one application or functional area. ● Understand the full application stack and resolve unique or complex issues. ● Identify and learn new applications or functionality areas to expand team expertise. ● Design, develop, and maintain utilities and applications to solve business problems. ● Assist in planning and analyzing software strategies and system upgrades. ● Support the planning, development, and maintenance of application interfaces. Collaboration, Training & User Support (40%) ● Foster a collaborative team environment and promote knowledge sharing across IT and operational partners. ● Provide coaching and training to IT staff and business partners. ● Work directly with end-users to resolve issues related to daily operations and system workflows. ● Mentor junior analysts and guide them through design, troubleshooting, and maintenance activities. ● Support digital website technologies and related system functions. ● Partner with physicians, leaders, and business users to identify needs and define system solutions. ● Help users understand system workflows and identify when enhancements or new workflows are required. Risk Management, Documentation & Governance (20%) ● Identify, analyze, and escalate risks and issues on critical initiatives. ● Analyze information and data to identify trends and recommend improvements. ● Define and communicate standards, guidelines, and best practices. ● Create system documentation, including requirements, release notes, test plans, and training materials.

Our client is currently seeking a Cloud Financial Analyst Full time Direct hire Hybrid to downtown Chicago (3 days a week onsite) The ideal candidate will have a strong background in technology management and IT financial analytics, playing a key role in governance for technology budget planning and forecasting. Responsibilities Prepare and analyze public cloud forecasts and budgets; monitor financial performance and recommend optimization strategies. Design, implement, and monitor financial infrastructure metrics. Apply the FinOps framework to maximize business value of public cloud investments, collaborating with business, engineering, and finance teams. Partner cross-functionally to plan and execute cloud optimization opportunities while ensuring compliance with governance controls. Design, configure, validate, and maintain cloud transparency and total cost of ownership (TCO) reporting. Model complex business problems, uncover insights, and identify opportunities using data mining and visualization techniques. Participate in budget and forecast review processes to ensure consolidation and rationalization. Qualifications Previous experience in FinOps with a strong background in Technology Business Management (TBM) or IT Finance. Experience modeling cloud service costs and IT expenses (including application TCO and business capability TCO). Strong ability to work across multiple levels of management and departments. Highly motivated, with ownership of projects and ability to deliver solutions on time and within budget. Technical Skills Proficiency with Apptio One, Cloudability, CloudHealth, AWS Cost Explorer, AWS QuickSight, or similar IT cost modeling tools. Advanced data transformation skills using MS Excel. Strong analytical, problem-solving, and troubleshooting skills. Ability to use data mining and visualization techniques to identify insights and opportunities. Excellent communication and presentation skills. Certifications (Preferred) FinOps Certification, AWS Certified Cloud Practitioner, or other cloud certifications. Certified TBM Executive (CTBME), Recognized TBMA (RTBMA), Elite TBMA (ETBMA). Education & Experience Bachelor's degree in information systems, Business Management, Finance, or related field. MBA or related graduate coursework a plus. Minimum of 8 years of relevant work experience. Salary Range: $130k- $155k + Bonus

The Credit Monitoring Analyst III supports the commercial credit monitoring and portfolio management for the Bank through the review and analysis of borrower and guarantor financial information, testing of financial covenants, and post-closing loan review to ensure alignment between loan approval, documentation, and tracking system. Duties & Responsibilities * Maintain in-depth knowledge of Credit Monitoring and industry best practices. * Review financial spreads, financial indicator covenants, borrowing base reviews, post-closing reviews and other assigned job functions, for accuracy and completeness. * Provide input and recommendations on new and existing workflow processes, policies, and procedures involving the Credit Monitoring Team. * Work independently the majority of the time and complete work with little supervision. * Serve as Credit Monitoring subject matter expert and on the Bank's financial tracking system (nCino) to include any upgrades, training, or new resources. * Provide accurate and consistent loan portfolio management and monitoring of our commercial loan portfolio. * Make independent recommendations regarding credit risk supported by comprehensive ongoing risk analysis. * Analyze Borrowing Base Certificates, accounts receivable aging, inventory listings, liquidity, and collateral positions. * Review financial reporting to ensure accuracy and maintain internal tracking for all commercial clients. * Mentorship of less experienced Credit Monitoring Analysts. * Comply with all credit administration policies and procedures. * Prepare ad hoc reports as requested. * Complete Moody's Credit Modules, as assigned. * Maintain the highest level of confidentiality of all information. * Provide extraordinary service while complying with all Bank policies and procedures. * Adhere to Busey Bank policies and procedures; comply with laws, regulations and industry best practices. * Reliable and predictable attendance; both onsite and remote. Education & Experience Knowledge of: * Strong oral, written and interpersonal communication skills * Advanced understanding of credit analysis and financial statements. * Thorough knowledge of financial statement analysis and demonstrated ability to identify and mitigate key risks * Full understanding of loan and collateral documents, including attorney prepared documentation * Strong problem solving and analytical skills Ability to: * Read and comprehends credit write-ups and loan documentation * Prioritize workflow, multi-task and work independently * Perform duties under frequent time pressures with high degree of accuracy and attention to detail Education and Training: * Requires bachelor's degree in Finance, accounting or business * 5 or more years of experience as a successful credit analyst or similar role in a commercial bank. * Experience in nCino and Jack Henry preferred, but not required * Requires knowledge of Microsoft Office Compensation and Benefits Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance. (Base Pay Range: $68,000.00 - 94,000.00 /year) Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being-now and in the years to come-are important to us. Busey's Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information. Equal Opportunity Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment. Unsolicited Resumes Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies ("Agency"), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings ("Agreement"). Busey may consider any candidate for whom an Agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidate(s) without any financial obligation to the Agency, unless an Agreement is in place. Any email or verbal contact with any Busey associate is inadequate to create a binding agreement. Agencies without an Agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.

Apply now Work Type: Office Working Employment Type: Permanent Job Description: Key Responsibilities * Conducting deep dives and investigations to identify root causes for fraud events and enhancement of controls where required. * Conducting review of accounts downgraded to CG 12 or worse to verify whether account management was conducted in conformity to Group standards, policies and procedures including all applicable local requirements. * Assist in carrying out Peer reviews within country/ across regions to validate effectiveness of processes and controls. * Support the R&C Team Lead in framing of effective processes and controls for implementation of Group policies, and local regulatory requirements, within the country. * Coordinate with internal and external auditors on fronting audits & work with various stakeholders in CCIB CC, Operations and support functions for completion of Management Action Plans, including implementation of required process fixes and socialisation of key themes with stakeholders. * Preparation of Lessons Learnt based upon various investigations undertaken. Other activities: Business * Evaluate and identify operational risk implications of business strategies and programmes. * Contribute to and ensure adoption of COO CCIB CC initiatives in the country / countries. Processes * Execution of CST / KCI for relevant processes in the country / countries. * Support the business in the South Asia countries in minimizing operational risks and losses, and investigation of material operational losses to prevent recurrence. Risk Management * Ensure compliance with policies applicable to CCIB CC which impact operational risk. Challenge processes, procedures, and policy if there is opportunity for efficiency improvements. * Identify knowledge gaps, facilitate development of training on Operational Risk for business staff and country Risk &Control Teams. * Drive improvements using A3s Governance * Assist in the effective running of Country CCIB CC Business Risk Forum (BRF). * Ensure adequate governance and oversight of operational risk through the escalation and appropriate resolution of risk exposures to the Country Risk Committee (CRC) and Non-Financial Risk Committees (NFRCs) as required. * Escalate issues, blockages, challenges and trends to Business Heads, Head Risk & Control, as required. Regulatory & Business Conduct * Display exemplary conduct and live by the Group's Values and Code of Conduct. * Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct. * Support Head Risk & Control to achieve the outcomes set out in the Bank's Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment. * Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. * Adhere to local regulator [Reserve Bank of India] prescribed responsibilities and Rationale for allocation Key Stakeholders * CCIB Client Coverage teams in the country * Regional and Country COO * Internal Audit * Regional Head of Risk & Control * Business & Country Compliance teams * Operations (GBS / GTO) * IMO Teams * GBS Hub Teams * Country CFCC team * Regulators and their appointed auditors (where applicable) Other Responsibilities * Embed Here for Good and Group's brand and values in first line operational risk management. Key Requirements for the role: * Knowledge of CCIB Client Coverage, Transaction Banking and Financial Markets products - to enable assessment of cross-business issues. * Fair understanding of CCIB Credit Risks and assessment including credit analysis. * Relevant business experience in operations, business analysis or project management. * Strong analytical skills, detail-focused with the ability to interpret large volume of information. * Problem solving skills with ability to influence across all levels of business. * Ability to independently drive initiatives with minimum hands-on supervision. Qualifications * Bachelor's degree in Banking or Finance preferred. * Ideally 2+ years of experience in banking, analytical or another relevant environment * Languages: English and/or local language skills as relevant to country requirements Skills and Experience * Manage Conduct * Business Facilitation: Leading initiatives to improve Client experience, efficiency, and cost management * Manage Conduct * Manage Risk * Manage Projects * Business Governance & Support: Projects investment governance, product, and process governance, etc * Information Systems - Applications & PC Skills About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we: * Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do * Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well * Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. * Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. * Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. * Flexible working options based around home and office locations, with flexible working patterns. * Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits * A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. * Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. Apply now Information at a Glance * * * * *

BASIC FUNCTION: Performs independent analysis of loan requests for the purpose of recommending approval, denial, or alternate structures, while noting any deviations from loan policy. Assist in the development of the procedures and processes to support the objectives of the position. REPORTS TO: Credit Administrator SUPERVISES: None MINIMUM QUALIFICATION: EDUCATION: Bachelor's degree (Master's preferred) in Finance, Accounting, Business or Economics. - OR - EXPERIENCE: Six to eight years of well-developed credit skills. SENSORY AND PHYSICAL REQUIREMENTS: Must have ability to read documents from many sources. Must be able to communicate audibly in and with staff, customers and general public. DESIRABLE QUALIFICATIONS: - Knowledgeable in Microsoft Office Suite of products - Excellent organizational and analytical skills - Excellent skills in judgement, leadership, initiative and organization - Self-starter and ability to be assertive and arrive at sound business decisions - Problem-solving • Ability to assume responsibility without supervision • Exercises initiative and makes decisions within scope of assigned authority • Adapts to changes in the work environment, manages competing demands and changes approach or method to best fit the situation. • Ability to deal with frequent changes, delays or unexpected events RESPONSIBILITIES (the essential responsibilities of the position include, but are not limited to): 40% 1. Analyzes financial statements (including performance ratios) of all levels of quality to develop initial assessment by identifying strengths and weaknesses pertaining to a borrower's historical operating performance. Independently discusses alternative structures, overall assessments and turnaround requirements with loan officer regarding their work. Prepares and reviews in-depth written analyses for relationship of all sizes and all levels of complexity, including those that gain the greatest exposure. 40% 2. Assist in overall workflow of a credit package between loan officer and decision. Communicates effectively and efficiently with loan officers to provide a seamless workflow of credit package. Ensure packages are within policy in accordance with the Credit Manual. 20% 3. Researches industry specific information from outside sources, including conversations with borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet.

At Fitch, we have an open culture where employees are able to exchange ideas and perspectives, throughout the organization, irrespective of their seniority. Your voice will be heard allowing you to have a real impact. We embrace diversity and appreciate authenticity encouraging an environment where employees can be their true selves. Our inclusive and progressive approach helps us to keep a balanced perspective. Fitch is also committed to supporting its employees by advancing conversations around diversity, equity and inclusion. Fitch's Employee Resource Groups (ERGs) have been established by employees who have joined together as a workplace community based on similar backgrounds or life experiences. Fitch's ERGs are available to connect employees with others within the organization to offer professional and personal support. With our expertise, we are not only creating data and information, but also producing timely insights from every angle to influence decision making in this ever changing and highly competitive market. We have a relentless hunger to innovate and unlock the power of human insights and to drive value for our customers. There has never been a better time to make an impact and we invite you to join us on this journey. US Corporates - Credit Analyst, Director - Retail & Consumer Fitch's North American Corporates Group is seeking Director for coverage of the Retail and Consumer sector, either in our New York, Chicago, or Toronto office. Qualitative credentials will weigh meaningfully in the selection of the candidate. A healthy sense of intellectual curiosity is critical, along with a demonstrated willingness and ability to attack and explain topics of analytical complexity. Fitch is a team-oriented work environment, so excellent communication skills are essential, as is a high productivity work-ethic and results oriented mindset. What We Offer: * An opportunity to be a lead coverage analyst at a global rating agency. * A team-oriented work environment. * Fitch Ratings is a global company with a presence in over 30 countries, offering opportunities to work with diverse teams and clients from around the world. We'll Count on You To: * Perform analysis of key quantitative and qualitative factors influencing the credit quality of companies in the Retail & Consumer sectors; * Develop and maintain comprehensive financial models; * Conduct meetings with Retail & Consumer industry management teams; * Present analysis of companies to internal credit rating committees; * Involvement in communicating rating rationale to external audiences (primarily institutional investors, sell-side analysts and media) in meetings, conference calls, press releases and written research reports; * Write timely and effective research on topical issues * Participate in the evaluation of other credits within Corporates, as well as other related credit groups; * Represent Fitch in panel discussions and conferences arranged by industry associations, regulatory bodies etc. * Mentor junior members of the Retail & Consumer sector. * The role may include managerial responsibilities. What You Need to Have: * Bachelor's degree at minimum, MBA or other advanced degree a plus; * CFA/CPA preferred; * 8+ years relevant experience, which must include some coverage or knowledge of the Retail & Consumer sectors; * Capital markets and/or credit analysis experience a plus; * Employee management experience a plus; * Expertise in Excel and Word; * Strong analytical, quantitative, and organizational skills; * Excellent written and verbal communication skills; * Ability to shift fluidly between multiple projects as priorities change; * Ability to excel in a team oriented environment. What Would Make You Stand Out: * A deep understanding of and a keen interest in Retail & Consumer * A professional background in capital markets and/or credit analysis and well-developed financial statement analysis skills; * Experience in interpreting complex legal documents such as bank agreements and bond indentures; * A strong pattern of leadership and the ability to proactively and successfully interact with various stakeholders, both within and outside of the organization. Why Fitch? At Fitch Group, the combined power of our global perspectives is what differentiates us. Our global network of colleagues comes together to accomplish things greater than they ever could alone. Every team member is essential to our business and each perspective is critical to our success. We embrace a diverse culture that encourages a free exchange of ideas, guaranteeing your voice will be heard and your work will have an impact, regardless of seniority. We are building incredible things at Fitch and we invite you to join us on our journey. Fitch Group is a global leader in financial information services with operations in more than 30 countries. Wholly owned by the Hearst Corporation, we are comprised of three main businesses: Fitch Ratings | Fitch Solutions | Fitch Learning. For more information please visit our websites: ******************** | ********************** | ********************* Fitch is committed to providing global securities markets with objective, timely, independent and forward-looking credit opinions. To protect Fitch's credibility and reputation, our employees must take every precaution to avoid conflicts of interests or any appearance of a conflict of interest. Should you be successful in the recruitment process at Fitch Ratings you will be asked to declare any securities holdings and other potential conflicts prior to commencing employment. If you, or your immediate family, have any holdings that may conflict with your work responsibilities, you may be asked to divest yourself of them before beginning work. Fitch Group is proud to be an Equal Opportunity and Affirmative Action Employer. We evaluate qualified applicants without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, disability, protected veteran status, and other statuses protected by law. FOR NEW YORK & CHICAGO ROLES ONLY: Expected base pay rates for the role will be between $140,000 and $180,000. Actual salaries will be determined on an individualized basis and may vary based on factors including but not limited to education, training, experience, past performance, and other job-related factors. Base pay is one part of Fitch's total compensation package, which, depending on the position, may also include commission earnings, discretionary bonuses, long-term incentives, and other benefits sponsored by Fitch. #LI-RA1 #LI-HYBRID Nearest Major Market: Chicago

Do you have a passion for client service in everything you do? You have found the right team! As a Standby Letter of Credit Structuring Specialist within the Trade and Working Capital Client Service Group, you will be responsible for reviewing and structuring Standby Letter of Credit text along with managing and facilitating the unique and complex service needs of our Global Trades client base. You will use your communication and relationship management skills to ensure an exceptional level of client satisfaction. You will be the primary point of service contact for each client within your assigned portfolio, servicing Letter of Credit requests, researching and resolving customer inquiries, reviewing account documentation, and managing internal project initiatives. Over time, you will be expected to identify products and services that may benefit clients and improve overall relationship profitability. Job responsibilities: Structure and negotiate Standby LC text proficiently in accordance with procedures while mitigating risk to the bank and client. Provide guidance and training to team members based on knowledge of Trade products and services focusing on Standby Letters of Credit Negotiate new or existing transactions with clients, external legal advisors, banking and credit teams supporting Standby Letter of Credit Transactions Work independently and act as escalation point for complex issues to structure and resolve customer requests. Manage dedicated Standby Letter of Credit client portfolio having frequent interactions with internal/external clients, working with various areas of the bank for client resolution Ensure timely follow-up with clients, and be accountable for client satisfaction Serve as a liaison between the Relationship team, Operations, Treasury Management, Sales and Implementations to provide the best service to the client, your department, and the firm Prioritize daily workload to maximize productivity utilizing time management and organizational skills Create and maintain new and existing policies, procedures, and practices Project a confident and professional presence to our clients, other bank departments and the community Required qualifications, capabilities and skills: 7+ years experience in Trade Finance / Letters of Credit Robust background working as advisor negotiating and structuring agreements supporting Letters of Credit Strong understanding of ISP98, UCP600, URDG758 College degree, or equivalent work experience Strong focus on client satisfaction and building excellent relationships with customers Excellent communication skills with strong organizational and multi-tasking abilities Comfortable working within tight deadlines

At Fitch, we have an open culture where employees are able to exchange ideas and perspectives, throughout the organization, irrespective of their seniority. Your voice will be heard allowing you to have a real impact. We embrace diversity and appreciate authenticity encouraging an environment where employees can be their true selves. Our inclusive and progressive approach helps us to keep a balanced perspective. Fitch is also committed to supporting its employees by advancing conversations around diversity, equity and inclusion. Fitch's Employee Resource Groups (ERGs) have been established by employees who have joined together as a workplace community based on similar backgrounds or life experiences. Fitch's ERGs are available to connect employees with others within the organization to offer professional and personal support. With our expertise, we are not only creating data and information, but also producing timely insights from every angle to influence decision making in this ever changing and highly competitive market. We have a relentless hunger to innovate and unlock the power of human insights and to drive value for our customers. There has never been a better time to make an impact and we invite you to join us on this journey. US Corporates - Credit Analyst, Director - Retail & Consumer Fitch's North American Corporates Group is seeking Director for coverage of the Retail and Consumer sector, either in our New York, Chicago, or Toronto office. Qualitative credentials will weigh meaningfully in the selection of the candidate. A healthy sense of intellectual curiosity is critical, along with a demonstrated willingness and ability to attack and explain topics of analytical complexity. Fitch is a team-oriented work environment, so excellent communication skills are essential, as is a high productivity work-ethic and results oriented mindset. What We Offer: An opportunity to be a lead coverage analyst at a global rating agency. A team-oriented work environment. Fitch Ratings is a global company with a presence in over 30 countries, offering opportunities to work with diverse teams and clients from around the world. We'll Count on You To: Perform analysis of key quantitative and qualitative factors influencing the credit quality of companies in the Retail & Consumer sectors; Develop and maintain comprehensive financial models; Conduct meetings with Retail & Consumer industry management teams; Present analysis of companies to internal credit rating committees; Involvement in communicating rating rationale to external audiences (primarily institutional investors, sell-side analysts and media) in meetings, conference calls, press releases and written research reports; Write timely and effective research on topical issues Participate in the evaluation of other credits within Corporates, as well as other related credit groups; Represent Fitch in panel discussions and conferences arranged by industry associations, regulatory bodies etc. Mentor junior members of the Retail & Consumer sector. The role may include managerial responsibilities. What You Need to Have: Bachelor's degree at minimum, MBA or other advanced degree a plus; CFA/CPA preferred; 8+ years relevant experience, which must include some coverage or knowledge of the Retail & Consumer sectors; Capital markets and/or credit analysis experience a plus; Employee management experience a plus; Expertise in Excel and Word; Strong analytical, quantitative, and organizational skills; Excellent written and verbal communication skills; Ability to shift fluidly between multiple projects as priorities change; Ability to excel in a team oriented environment. What Would Make You Stand Out: A deep understanding of and a keen interest in Retail & Consumer A professional background in capital markets and/or credit analysis and well-developed financial statement analysis skills; Experience in interpreting complex legal documents such as bank agreements and bond indentures; A strong pattern of leadership and the ability to proactively and successfully interact with various stakeholders, both within and outside of the organization. Why Fitch? At Fitch Group, the combined power of our global perspectives is what differentiates us. Our global network of colleagues comes together to accomplish things greater than they ever could alone. Every team member is essential to our business and each perspective is critical to our success. We embrace a diverse culture that encourages a free exchange of ideas, guaranteeing your voice will be heard and your work will have an impact, regardless of seniority. We are building incredible things at Fitch and we invite you to join us on our journey. Fitch Group is a global leader in financial information services with operations in more than 30 countries. Wholly owned by the Hearst Corporation, we are comprised of three main businesses: Fitch Ratings | Fitch Solutions | Fitch Learning. For more information please visit our websites: ******************** | ********************** | ********************* Fitch is committed to providing global securities markets with objective, timely, independent and forward-looking credit opinions. To protect Fitch's credibility and reputation, our employees must take every precaution to avoid conflicts of interests or any appearance of a conflict of interest. Should you be successful in the recruitment process at Fitch Ratings you will be asked to declare any securities holdings and other potential conflicts prior to commencing employment. If you, or your immediate family, have any holdings that may conflict with your work responsibilities, you may be asked to divest yourself of them before beginning work. Fitch Group is proud to be an Equal Opportunity and Affirmative Action Employer. We evaluate qualified applicants without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, disability, protected veteran status, and other statuses protected by law. FOR NEW YORK & CHICAGO ROLES ONLY: Expected base pay rates for the role will be between $140,000 and $180,000. Actual salaries will be determined on an individualized basis and may vary based on factors including but not limited to education, training, experience, past performance, and other job-related factors. Base pay is one part of Fitch's total compensation package, which, depending on the position, may also include commission earnings, discretionary bonuses, long-term incentives, and other benefits sponsored by Fitch. #LI-RA1 #LI-HYBRID

Heritage Federal Credit Union, a Readers' Choice Best Credit Union gold award recipient, is growing thanks to the focus on helping our members and community. At Heritage, we foster a dynamic and collaborative environment where your contributions truly make a difference. As we continue to expand, we are searching for a Chief Credit Officer to join our amazing team! The Chief Credit Officer (CCO) is a member of the credit union's executive team and is responsible for the overall leadership, management, and strategic direction of the credit union's credit function. This executive ensures that all lending activities are conducted within the credit union's risk appetite, regulatory requirements, and policy guidelines. The CCO oversees credit quality, portfolio performance, underwriting standards, and credit administration processes to ensure sound asset quality and sustainable loan growth. What you'll do: * Develop, implement, and maintain comprehensive credit policies, procedures, and underwriting standards consistent with the credit union's risk appetite. * Oversee all credit risk functions, including underwriting, portfolio monitoring, and collections * Approve or recommend credits within delegated authority and ensure consistent application of policy across all lending teams. * Mange the identification, reporting, and resolution of problem credits and ensure proper risk ratings and documentation. * Monitor portfolio performance, concentrations, and trends to identify emerging risks. * Ensure compliance with lending limits, regulatory guidance, and audit recommendations. * Provide oversight for the entire loan portfolio, ensuring proper diversification, documentation, and compliance. * Lead, coach, and develop credit and lending personnel to maintain a strong risk management culture. * Provide training and guidance to lenders and credit officers on policy interpretation, risk assessment, and structuring. * Partner with market presidents and commercial lenders to structure and manage complex or high-risk credits. * Foster collaboration between lending, operations, and credit administration to promote efficiency and accountability. * Chairs the Commercial Loan Committee as a voting member * Chairs the Executive Loan and Credit Governance Committee * Chairs the loan and deposit pricing Committee * Presents regular credit quality and risk management reports to management, the Board of Directors, and regulators. * Contribute to the credit union's strategic planning, capital management, and asset/liability discussions. Qualifications/Experience Required: * Bachelor's degree in finance, business, economics, or a related area. MBA or advanced degree preferred, formal credit training preferred. * A strong understanding of commercial, SBA, real estate, agricultural, and consumer lending. * Deep knowledge of credit risk management principles, regulatory compliance, and loan portfolio analytics. * Familiarity with CECL, stress testing, and loan loss provisioning. * Minimum 15-20 years of commercial credit and lending experience, including at least 5 years in a senior or executive credit leadership role. * Strong interpersonal, leadership, and supervisory skills. * Well organized * Attention to detail About Heritage Federal Credit Union Heritage Federal Credit Union is a full-service financial institution with over $1 billion in assets and serves more than 65,000+ members in Gibson, Posey, Warrick, Vanderburgh, Daviess, Knox, Spencer, Pike, Perry, Crawford, Clark, Floyd, or Harrison Counties in Indiana; or Henderson, Daviess, Hopkins, Hancock, Ohio, McLean, Webster, Union, or Crittenden Counties in Kentucky; or Lawrence, Wabash, White, Gallatin or Hardin Counties in Illinois. As a nonprofit, credit unions provide low-cost financial services to their members and are mission driven. Founded in 1965, Heritage Federal is committed to improving daily lives of those we live and work with, providing members the best financial products and services, and giving back to the local communities through donations, sponsorships, and volunteerism. More information regarding Heritage Federal Credit Union can be located at heritagefederal.org. EOE

Morningstar DBRS is seeking a highly motivated individual, with an interest in real estate finance and credit analysis, to join its Commercial Mortgage Backed Securities (CMBS) or Global Corporate Real Estate (GCRE) team as an Analyst. The successful candidate will mainly serve as a support analyst for lead analysts and team leads for Morningstar DBRS rated transactions or entities, including CMBS), real estate investment trust and real estate operating entities. The successful candidate will be expected to gradually develop a solid understanding of the US and Canadian real estate sectors and to acquire a broad understanding of the appropriate Morningstar DBRS rating methodologies and criteria. Morningstar DBRS is registered with the U.S. Securities and Exchange Commission as a nationally recognized statistical rating organization (NRSRO). Morningstar DBRS has earned a reputation for innovation and excellence in the structured finance market and aims to increase market transparency by providing the highest-quality ratings, securities research, monitoring services, operational risk assessments, data, and technology solutions. Primary Responsibilities Support the lead analysts in evaluating credit risk, while adhering to the relevant rating methodology. Determine Morningstar DBRS stabilized cash flows of all major property types (office, retail, multifamily, MHC, hotel, self-storage) and a variety of loan sizes ($1 million to > $100 million) Prepare/update spreadsheets on rated entities including historical information and financial projections. Search and aggregate market data to be used in the credit analysis. Track key economic and industry indicators and various asset class metrics. Review third-party reports including appraisals, property condition reports, environmental reports, and other industry specific reports. Contribute text and analysis for rating reports, press release, commentaries, presentations and industry reports under supervision of lead analysts. Assist with the preparation of rating committee materials and participate in Rating Committee meetings with guidance from the lead analysts. Assist with the publishing workflow, including regulatory disclosures. Develop a solid understanding of real estate asset classes covered. Develop client-communication skills through interacting with issuers, investors, and intermediaries. Adhere to compliance, regulatory and company policies and procedures. Requirements Undergraduate degree in accounting, business, finance or other relevant discipline is preferred. Strong analytical abilities and knowledge of financial statements. Solid research and analytical skills, with acute attention to detail. Strong communication skills, both oral and written. Self-starter and strong team player, with the ability to meet deadlines while producing high quality work. Genuine interest in commercial real estate and structured finance. Ability to travel 10-20% domestically/ North America. Possess and maintain a valid driver's license and passport. Nice to Have Progress towards a CFA designation, advanced knowledge of Microsoft Excel, and Bloomberg and SNL skills. About Us Morningstar DBRS is a leading provider of independent rating services and opinions for corporate and sovereign entities, financial institutions, and project and structured finance instruments globally. Rating more than 4,000 issuers and 60,000 securities, it is one of the top four credit rating agencies in the world. Morningstar DBRS empowers investor success by bringing more transparency and a much-needed diversity of opinion in the credit rating industry. Our approach and size allow us to be nimble enough to respond to customers' needs in their local markets, but large enough to provide the necessary expertise and resources they require. Market innovators choose to work with us because of our agility, tech-forward approach, and exceptional customer service. Morningstar DBRS is the next generation of credit ratings. Compensation and Benefits At Morningstar we believe people are at their best when they are at their healthiest. That's why we champion your wellness through a wide-range of programs that support all stages of your personal and professional life. Here are some examples of the offerings we provide: Financial Health 75% 401k match up to 7% Stock Ownership Potential Company provided life insurance - 1x salary + commission Physical Health Comprehensive health benefits (medical/dental/vision) including potential premium discounts and company-provided HSA contributions (up to $500-$2,000 annually) for specific plans and coverages Additional medical Wellness Incentives - up to $300-$600 annual Company-provided long- and short-term disability insurance Emotional Health Trust-Based Time Off 6-week Paid Sabbatical Program 6-Week Paid Family Caregiving Leave Competitive 8-24 Week Paid Parental Bonding Leave Adoption Assistance Leadership Coaching & Formal Mentorship Opportunities Annual Education Stipend Tuition Reimbursement Social Health Charitable Matching Gifts program Dollars for Doers volunteer program Paid volunteering days 15+ Employee Resource & Affinity Groups Total Cash Compensation Range $71,500.00 - 96,000.00 USD Annual Inclusive of annual base salary and target incentive If you receive and accept an offer from us, we require that personal and any related investments be disclosed confidentiality to our Compliance team (days vary by region). These investments will be reviewed to ensure they meet Code of Ethics requirements. If any conflicts of interest are identified, then you will be required to liquidate those holdings immediately. In addition, dependent on your department and location of work certain employee accounts must be held with an approved broker (for example all, U.S. employee accounts). If this applies and your account(s) are not with an approved broker, you will be required to move your holdings to an approved broker. Morningstar's hybrid work environment gives you the opportunity to collaborate in-person each week as we've found that we're at our best when we're purposely together on a regular basis. In most of our locations, our hybrid work model is four days in-office each week. A range of other benefits are also available to enhance flexibility as needs change. No matter where you are, you'll have tools and resources to engage meaningfully with your global colleagues. R06_DBRSInc DBRS, Inc. - US Legal Entity

Job Title: Credit Card Specialist Summary of Duties and Responsibilities: As a Credit Card Specialist, you will experience all aspects of German American Bank's culture and values while working with internal and external customers on issues that impact our business. You will assist customers with all aspects involved with their credit card accounts. What You'll Do: Day in the Life - Your focus will be supporting our internal and external customers in a variety of ways including answering incoming calls to/from all German American locations, verifying account information, placing card orders, working potential fraud cases, adding appropriate codes to accounts for traveling, troubleshooting issues and more. What it Takes: * Ability to travel for early career training purposes * Ability to: communicate effectively (written and verbally), maintain confidentiality, work with speed and accuracy, grasp technical information quickly, and work independently and as a team member. * Attention to detail and proficiency in Microsoft Word and Excel Bonus Points: * Previous customer service experience in a professional setting * Bilingual/Multilingual * Knowledge of Banking What we can offer you: * Flexible working location: Jasper, IN or Evansville, IN * Medical, dental, vision, STD, LTD, Life insurance, etc. * 17 days paid time off, 11 paid holidays and bereavement leave * Education assistance Program * Paid family bonding leave * Wellness benefits * Life event coverage * Service awards * Financial benefits including 401(k) match, stock purchase plan and more * Great deals on both national and local discounts on everything from computers and vacations to phones and retail shopping. * Logo wear discounts * Free checking account, checks and discounted bank services This position may be located at any of the following locations: * 1311 W 12th Ave, Jasper, IN 47546 * 4424 Vogel Rd, Evansville, IN 47715 * 100 Citizens Blvd, Simpsonville, KY 40067 * 430 N Hamilton Rd, Whitehall, OH 43213 About Us: German American Bancorp and its family of financial services companies employ talented, compassionate people throughout the organization, truly making German American special. Delivering genuine, customized, personal service with a focus on truly serving customers and communities well, our employees bring the Shield of Excellence commitment to life with each and every interaction.

Liberty FCU, a full-service credit union, is currently seeking a Consumer Loan Officer with excellent communication and member service skills to join our growing team. In this position, you will help our members realize their financial goals by listening to their needs and providing them with lending solutions that meet those needs. Previous sales experience is a plus. If interested, please proceed by clicking Apply. This opportunity is for you if you: Are motivated, goal-oriented, and enthusiastic Are outgoing and a problem solver Have a record of exceeding sales goals Have sales competencies that will help you exceed goals and advance your career Desire incentive-based pay allowing you to accelerate your earnings potential Enjoy working in a team environment with highly motivated people Are personable and a great communicator Enjoy providing exceptional customer service (member experience) Hold yourself to a high standard of integrity Duties and responsibilities include but are not limited to the following: Meet our members' lending needs by providing them with a lending experience that meets their financial needs in a professional, positive, and personal way. Develop new relationships and maintain existing relationships in order to become our members' personal lender. Participate in outbound calling campaigns to cultivate strong relationships with our members. Ensure we are meeting all our members' financial needs by searching for additional loan or deposit opportunities with every encounter. Deliver results that exceed member expectations, individual goals, and department goals. Provide our members with peace of mind by presenting them with optional protection products during the loan process. Process consumer loan requests from application to closing. Understand and follow the credit union's lending policies. Be willing to work a modified work schedule if necessary, including some evenings and Saturdays. Location setting: Lending Contact Center (no face-to-face member interactions) Requirements: High School Diploma/GED Previous experience at a financial institution or 3 years sales experience Benefits and Compensation: Incentive opportunities Paid Holidays Paid Time Off (Vacation, Sick and Personal Days) Medical, Dental and Vision Insurance 401(k) retirement program with matching funds Employer paid Group Term Life Insurance, Short Term and Long Term Disability Insurance Tuition Reimbursement Program Liberty FCU is an Equal Opportunity Employer, Minority/Female/Disability/Protected Veteran.

is not remote) Summary/objective The Credit Analyst is a self-motivated individual responsible for the production of commercial credit analysis for new and existing loans. In addition, they are equally as responsible for the management of the IMCU Commercial Services portfolio. They work closely with loan officers, borrowers, and IMCU personnel to ensure rapid response to loan requests. Implements and follows loan review policy and accepted loan review standards. Essential functions Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions. Responsible for accurately analyzing commercial credits as assigned by the Team Lead Maintain awareness of new and changing underwriting guidelines and industry regulations Prepares weekly and quarterly department reports Develop solid understanding of underwriting and tracking software Monitor weekly exception reports within the business loan portfolio Develop in-depth knowledge of the portfolio and members within a given relationship Work closely with Commercial Lenders to help structure deals and assess risks on new money requests as well as ongoing risks within their existing portfolios Competencies Strong attention to detail for accuracy in processing Strong accounting and finance skills applicable to commercial lending Excellent oral and written communication skills, including telephone communication skills Proactive communicator and problem solver Strong customer service skills Supervisory responsibilities None - however, with the right candidate may be asked to help mentor less experienced associates Work environment Office environment Physical demands Sitting for extended period of time Handling - ability to touch, feel, lift, operate and control equipment, materials and objects with hands Reaching - ability to thrust out the hands to retrieve an object Seeing - ability to have power of sight Hearing - ability to be aware of sounds by the ear Travel required Minimal Required education and experience College degree preferred with a background in business 2-5 years business experience underwriting commercial credits Baker Hill NextGen a plus but not required Working knowledge of business financial statements Microsoft Word and Excel, general knowledge 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.

The opportunity Pernod Ricard Hellas, Great Place To Work certified, is looking for 1 Credit Analyst to join the team from December 2025 (Indefinite-term contract). Are you interested in Credit Control? Then we might be the place for you! The Credit Analyst will be responsible for reviewing financial information, analyzing credit data, evaluating financial risk, and making recommendations based on the findings. This role plays a crucial part in helping the company make sound financial decisions while working with lending teams to ensure informed credit decisions that align with company goals. Key Responsibilities * Analyze financial data of existing and potential customers. * Calculation and analysis of main credit control KPI's (DSO, CEI, ART, ADD, PPA). * Forecast monthly cash inflows. * Evaluate the credit risk of customers. * Review credit limits of existing customers. * Processing and reconciliation of invoices and credit notes. * Contact customers for their overdue balance. * Follow up payments as needed. The ideal candidate * Bachelor's degree in accounting, economics, or a related discipline. * Proven experience as credit analyst * Over 3 years of experience in a similar role, with exposure to the FMCG sector considered an advantage. * Advanced computer skills, particularly in Microsoft Excel application. * Strong numerical and analytical abilities. * Proficient in using financial software and tools. * Excellent communication and interpersonal skills for effective collaboration. * Highly organized with strong time management capabilities. * Capable of working independently and as part of a team. * Fluent in both written and verbal communication in English. What we are offering You will get experience working in a global organization and a chance to collaborate a cross borders. Gain unique insights in the world of spirits and be a part of a team that encourages "out of the box" thinking and new perspectives. The position will be both exciting and challenging, requiring a lot of engagement and flexibility and with the right ability and mind-set it could be a step towards a career in Pernod Ricard! We understand our people are our special ingredient. We treat our employees with respect and offer an environment that is engaging, supportive and collaborative. We understand that employees require different supports at different stages of their working lives and our benefits, perks and programs look to support your employee journey. We want to make you feel recognized and valued for your contribution to our shared success. Interested in joining us? If this sounds like you, please follow the Apply Link and submit your CV information. Pernod Ricard values diversity and solidarity within its organization and in its relations with its stakeholders. Our recruitment methods focus on skills, and we welcome all types of talent. Job Posting End Date: Target Hire Date: 2025-12-01 Target End Date:

Job Description United Community Bank is in search of a Credit Analyst. This position is responsible for gathering and analyzing credit information on current and potential borrowers for diversified types of loans. Within the framework of the Bank guidelines and current economic and industry trends will assist in preforming pre-qualification assessments and analysis of the financial condition of the borrower and the risk of financing requests. This position will be in office and is not eligible for remote placement. Essential Duties and Responsibilities: Assist in ensuring required data is gathered from customers, internal and external sources, prepare spreadsheets and analyze financial information including financial statements and tax returns Work closely with management and other team members to effectively prioritize commercial credit requests and complete credit presentations in a timely manner Assist in the review and renewal of credit facilities and complete ongoing financial covenant and borrowing base calculations related to commercial credits Communicate when up-to-date financial statements are needed for commercial accounts, ensure credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved Compile data from credit bureau reports and various financial statements Conduct industry peer comparisons Perform cash flow analyses Correspond with legal counsel and collectors regarding workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken Develop knowledge of financial industry, economy, market conditions, rates, vendors, competition Write financial reviews and reports and make recommendations on loan structures and terms Attend loan committee meetings as requested Develop and maintain effective working relationships at all levels by proactively participating and contributing to a positive work environment, controlling emotions and temperament, and exhibiting courteous, respectful, and professional behavior at all times Maintain familiarity with bank products and services Maintain familiarity with all regulatory standards Maintain familiarity with and uphold all Bank policies and procedures including policies and procedures related to this position Complete all training requirements as assigned Performs other related duties as assigned A successful candidate's rate of pay will be based on several factors including applicable experience, training and education. Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Certifications, Licenses, Registrations or Required Training: none required Computer Requirements: Proficiency in Microsoft Office (Word, Excel, Access, and Power Point) Education/Experience Requirements: 1 year of prior experience as a commercial credit analyst with 3+ years preferred Bachelor's degree in business or finance or equivalent work experience Additional Requirements: Previous experience in financial statement and tax return analysis Previous experience underwriting multiple commercial credit types preferred, including CRE, C&I, and Agricultural Previous experience with Baker Hill NextGen software preferred Ability to read, write and comprehend simple instructions, short correspondence, and memos Strong attention to detail and accuracy Problem Solving/Analysis skills Ability to manage and execute more than one task at a time Strong time management and organizational skills Ability to independently perform duties, establish priorities and meet deadlines with limited supervision Ability to adhere to safety and compliance regulations and procedures Ability to communicate effectively and professionally with customers and coworkers Basic knowledge of state and federal loan regulations and other Bank lending policies Basic knowledge of commercial, construction, and real estate and consumer loan processing Ability to exercise sound judgement in a decision-making capacity that is consistent with established policies, procedures and business practices Ability to handle sensitive and confidential situations and comprehend the level of confidentiality that comes along with the position and protecting employee's, customer's and bank information. Attendance Requirements: Employees are expected to report to work as scheduled, on time and prepared to start work. Employees are expected to remain at work for their entire work schedule. Late arrival, early departure or other absences from scheduled hours should be avoided. Working Conditions: This job operates in a office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Physical requirements: Requires bending, stooping or standing as necessary Requires the ability to hear, speak and/or signal people Effectively communicate verbally, in writing, and in English Requires manual dexterity, typing, and the ability to count money and key in transactions The employee may occasionally lift and/or move up to 25 pounds Benefits: The following benefit programs are available to all employees: 401(k) retirement plan (requires 60 days of employment, age 20) Paid Leave Time Free checking account including identity theft and cellphone protection, Roadside Assistance and more Free savings account & Safety Deposit Box Cashier's checks In addition, the following benefits are available to all full-time employees after meeting eligibility requirements: Vacation time (requires 30 days of employment) Sick/Personal Time (requires 90 days of employment) Holidays Jury Duty leave Health Insurance (requires 60 days of employment) Dental Insurance (requires 60 days of employment) Vision Insurance (requires 60 days of employment) Life Insurance (requires 60 days of employment) Short-Term Disability Insurance (requires 60 days of employment) Long-Term Disability Insurance (requires 60 days of employment) Section 125 Cafeteria Plan including Flexible Spending Accounts (requires 60 days of employment) Tuition Reimbursement Military Leave Some benefit programs require contributions from the employee and all begin on the first of the month after eligibility is met. Certain benefits provided by United Community Bank are governed by plan documents. Please visit **************************** for more information on UCB's complete benefit package.

Credit Analyst *Position is not eligible for remote work. Job Code CREDANL Job Family Supervisory No Job Summary The Credit Analyst will conduct credit investigations and analyze credit information pertaining to loans. This position evaluates the credit-worthiness of borrowers and determines the likelihood that a borrower will be able to meet financial obligations and pay back a loan by reviewing the borrower's financial history and projecting future income. Essential Functions, Duties and Responsibilities include, but are not limited to: Investigates and reviews all available sources of credit and financial information for individuals and companies including, but not limited to, company audits, tax returns, and management prepared statements; individual tax returns and financial statements; and farm analysis statements Interprets and enters financial information into software system Researches and examines credit risks, evaluates customer credit reports Analyzes financial information to predict patterns and trends, often projecting future income Determines customer's cash flow and risk profile according to Bank credit policy Prepares spreads, creates cash flow spreadsheets, presents facts, and offers opinions concerning credit-worthiness Assists lenders in gathering and interpreting financial information from customers, accountants, and bookkeepers Scans work papers, maintains customer information files, and works log Maintains knowledge of available financial and loan products, processing procedures, and underwriting guidelines Education, Experience and Qualifications Education Required/Preferred Education Level Description Required High School or GED Preferred Bachelors Degree Degree in finance, accounting, or related field preferred Years of Experience Minimum Comments 2 A minimum of two (2) years of experience in finance, accounting, or related field preferred License / Certification Required/Preferred License / Certification Description Additional Qualifications Computer experience required; experience with Microsoft Excel required Core Competencies Analytical thinking skills Mathematical skills Knowledge of finance and accounting concepts and practices Oral and written communication skills Time management skills and ability to meet deadlines Ability to multi-task Computer skills Detail-oriented Working Conditions Working Conditions Indoors, environmentally controlled. Usual office working conditions. The noise level in the work environment is typical of most office environments with telephones, personal interruptions, and background noises. Travel Requirements Requirement Frequency No travel required Never or Rarely Mandatory Vacation Mandatory vacation not required Physical Requirements Requirement Frequency Sitting (remaining in a seated position) Constantly Standing (remaining on one's feet in an upright position without moving about) Occasionally Walking (moving about on one's feet) Occasionally Lifting (raising or lowering an object from one level to another) Never or Rarely Carrying (transporting an object, usually by holding it in the hands or arms or on the shoulder) Occasionally Pushing/Pulling (exerting force upon an object so that the object moves away or toward the force) Never or Rarely Reaching (extending hand(s) and arm(s) in any direction, such as overhead, below waist, forward or lateral) Never or Rarely Keyboarding (entering text or data using computer keyboard or 10-key numeric keyboard) Constantly Pinching/Gripping (seizing, holding, grasping, turning or otherwise working with the hand(s) or fingers) Occasionally Stooping (bending downward and forward by bending spine at the waist) Never or Rarely Squatting/Crouching (bending body downward and forward by bending legs and spine) Never or Rarely Kneeling (bending legs at knees to come to rest on knee(s)) Never or Rarely Crawling (moving about on hand and knees or hands and feet) Never or Rarely Climbing (ascending or descending ladders, stairs, ramps) Never or Rarely Speaking (expressing or exchanging ideas by means of the spoken word to impart oral information to customers and to convey detailed spoken instructions accurately, loudly, or quickly) Occasionally Hearing (the ability to hear, understand, and distinguish speech, either in person or telephonically) Occasionally Near Visual Acuity (clarity of vision at approximately 20 inches or less) Frequently Far Visual Acuity (clarity of vision at approximately 20 feet or more) Occasionally Additional Physical Requirements

Department: Credit Analytical / Loan Review Reports to: Credit Analyst Supervisor Supervises: None Grade: 5 Summary: Assist the Credit Analyst Supervisor in providing competent credit analysis and loan review for the commercial lending activities of the Bank. Also provides comprehensive reviews for in-house residential mortgage loans made by the Bank. Essential Job Functions: * Provides accurate information and sound judgments on the credit worthiness of assigned accounts to aid the Chief Loan Officer, Chief Credit Officer and other loan approvers in approving loans. This entails analyzing and documenting financial data, along with analyzing financial statement ratios, collateral adequacy, future repayment ability, reading credit reports, evaluating customer's management ability, history, and character. * Performs loan review for commercial loans after closing, predominately for lending relationships in a range of $25,000 to $750,000 in size. Assigns risk ratings for credit relationship in conformance with the Bank's 8 grade system. * Performs periodic analytical review for residential loans after closing. The results of these reviews are submitted to Director's Loan Review Committee for review. * At times may assist lending officers and Business Development Officers on customer calls. * At times presents loan analysis and review findings to the Chief Lending Officer, Chief Credit Officer, Loan Committee and/or the Director's Loan Committee when required. * Monitors the current status and problems of assigned accounts and anticipates opportunities and problems which may arise. Brings significant problems to the attention of the Credit Analyst Supervisor. * Attends Loan Committee and Director's Loan Committee meetings in order to prepare minutes for each meeting for Board of Directors submission. * Assists the Credit Analyst Supervisor in the preparation of various reports for management, auditors, bank examiners and the Board of Directors. * Assists loan officers in determining loan rates to be used for existing and potential customers through the utilization of the Bank's pricing model software. * Assists auditors and examiners on an annual basis. * Attend training as needed related to bank compliance, loan documentation requirements, USPAP rules and regulations, and other pertinent banking courses. * Performs other related duties and special projects as assigned Physical Demands and Work Environment The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the essential job functions of this position, the employee is regularly required to sit, stand, talk, hear, walk, use hands and fingers, handle or feel objects, and reach with hands and arms. This position requires regular use of a computer. The employee must be able to travel between branch locations on a regular basis. The noise level in the work environment is usually light to moderate. Requirements * Associate's degree or higher in accounting, finance, agribusiness or related field. * Ability to analyze financials and other business related documentation. * Strong computer skills (Excel, Word). * Good verbal and written communication skills. Salary Description Min. $19.78, Mid. $26.37, Max. $32.97

Join Us in Strengthening Rural America - Credit Analyst Opportunity in Lexington, KY Do you have a deep appreciation for agriculture? Are you passionate about supporting your local community and making a meaningful impact in rural America? Do you thrive on helping others-whether at work or in your neighborhood? If so, Central Kentucky Ag Credit invites you to explore an exciting opportunity to join our lending team as a Credit Analyst in Lexington, Kentucky. This is a full-time, on-site position. Daily presence at our Lexington office is a key part of our collaborative culture, so please consider commute distance when applying. What You'll Do As a Credit Analyst, you'll play a vital role in evaluating financial health and risk for large, complex loans. You'll help structure loans that meet individual customer needs while protecting the integrity of the Association. This role offers the chance to grow professionally while supporting the dreams of farmers, ranchers, and rural entrepreneurs. You will - Conduct thorough credit analysis, documentation, and risk identification for loan committee submissions Recommend loan terms, rates, security, and controls to ensure sound credit decisions Stay informed on industry trends-returns, investments, yields, and more Collaborate with lenders to support customer outreach and marketing efforts What We're Looking For We're seeking candidates who bring both expertise and heart to the table. Ideal qualifications include: Bachelor's degree in business, economics, finance, accounting, or a related field Experience in credit analysis and financial evaluation Familiarity with tax returns and business structures (sole proprietorships, LLCs, LLPs, C-Corps, S-Corps, etc.) Agricultural knowledge is a strong plus Growth & Development We believe in lifelong learning. That's why we offer tuition reimbursement and a paid development to help you build the financial and customer service skills needed to thrive in your role. Our Commitment to You We invest in our employees with a comprehensive benefits package designed to support your well-being and work-life balance: Benefit Highlights Description 401(K) Up to 9% company contribution Health, Dental & Vision Insurance Comprehensive coverage Vacation & Sick Time Separate banks for flexibility Tuition Reimbursement Support for continued education Dependent Care FSA Family-friendly benefits Paid Holidays 12 days annually Our Culture At Central Kentucky Ag Credit, we value: Self-Starters - Innovators who seek continuous improvement Respect - Fairness, diversity, and community-mindedness Self-Management - Autonomy to set priorities and goals Voice - Open communication and active listening Dependability - Integrity and reliability Lifelong Learning - A shared commitment to growth About Us Central Kentucky Ag Credit is part of the Farm Credit System, the largest agricultural credit provider in the U.S. With over 100 years of experience, we're proud to be a cooperative lender-owned and governed by the farmers and rural residents we serve. Learn more about our mission and culture: [Website](******************************* [Podcast: Beyond Agriculture](*************************************** [Social Media: Facebook | Twitter | Instagram](************************************** Ready to make a difference in rural America? Apply today and help us build a stronger future-one loan, one customer, one community at a time.