Credit analyst jobs in Florida

LHH is actively seeking an experienced Collections & Deductions Analyst with Advanced Excel skills (REQUIRED) and extensive experience handling large, complex portfolios ($200MM+) for one of our top clients! This role is responsible for investigating and resolving customer disputes, short payments,credits, and other A/R issues while driving recovery on invalid deductions. The ideal candidate is a proactive problem-solver with strong communication skills, significant dispute resolution experience, and a proven ability to work with large customers and vendor portals. This will be a longterm contract opportunity with our client. Option to consider remote if outside of Orlando, FL-if local one day per week onsite (Wednesdays). Key Responsibilities Dispute Resolution & Portfolio Management Manage and analyze high-volume customer disputes, short payments, and account activity. Research invoices, payments, credits, and contracts using SAP, customer portals, and third-party systems. Identify root causes, trends, and issues using historical customer data across multiple systems. Resolve disputes and ensure accurate customer A/R balances, following up with clients as needed. Communicate effectively with customers, senior leadership, Sales, Operations, and internal stakeholders. Credit & Collections Monitor past-due A/R and assess credit exposure and customer creditworthiness. Recommend account holds/releases in alignment with business strategy. Secure payment on overdue balances and negotiate structured payment plans. Evaluate aged items for write-offs, refunds, and account adjustments. Assist in preparing accounts for third-party collections when required. Systems & Compliance Maintain customer discount, deduction, and allowance data within SAP. Research cash applications using bank statements and resolve application issues. Ensure compliance with GAAP, SOX, and internal policies, including proper documentation for credit memos and approvals. Support audits related to deductions, payments, and write-offs. Generate monthly and ad-hoc reporting for leadership and key stakeholders. Required Qualifications Advanced Excel expertise (required): Able to build complex formulas, PivotTables, VLOOKUPs, etc. Heavy deductions / short-pay experience (required). Experience managing large customer portfolios ($200MM+). Minimum 5+ years of A/R dispute resolution in a large corporate environment using vendor portals. Minimum 5+ years of cash application research and analysis. 5+ years working with enterprise A/R systems (SAP, Oracle, etc.). Strong communication skills; able to work with customers, leadership, Sales, Logistics, and cross-functional teams. Experience working in environments requiring GAAP and SOX compliance. Ability to operate in a fast-paced, high-volume environment with minimal supervision. Associate degree in Accounting/Finance required; Bachelor's degree preferred. Preferred Skills Experience in a global team environment Strong analytical and problem-solving abilities Ability to prioritize and make decisions quickly Pay Details: $25.00 to $28.00 per hour Search managed by: Kaitlynne Hope Benefit offerings available for our associates include medical, dental, vision, life insurance, short-term disability, additional voluntary benefits, EAP program, commuter benefits and a 401K plan. Our benefit offerings provide employees the flexibility to choose the type of coverage that meets their individual needs. In addition, our associates may be eligible for paid leave including Paid Sick Leave or any other paid leave required by Federal, State, or local law, as well as Holiday pay where applicable. Equal Opportunity Employer/Veterans/Disabled Military connected talent encouraged to apply To read our Candidate Privacy Information Statement, which explains how we will use your information, please navigate to The Company will consider qualified applicants with arrest and conviction records in accordance with federal, state, and local laws and/or security clearance requirements, including, as applicable: The California Fair Chance Act Los Angeles City Fair Chance Ordinance Los Angeles County Fair Chance Ordinance for Employers San Francisco Fair Chance Ordinance Massachusetts Candidates Only: It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

**Company:** NextEra Energy **Requisition ID:** 90924 NextEra Energy Marketing is one of the nation's leading electricity and natural gas marketers, and a key player in the energy markets in the United States and Canada. As a part of NextEra Energy Resources, we specialize in innovative energy strategies that maximize market value for our customers and stakeholders. Our team is skilled in market analysis, trading, risk management and delivering tailored customer solutions across North America. If you are a strategic thinker eager to make a significant impact in the fast-paced energy industry, join our team today. **Position Specific Description** The Trading Risk Management team is seeking a talented, experienced Credit Risk Analyst to join their group. The team supports the commodity trading activities of NextEra Energy Marketing and FPL. The successful candidate will be proficient in financial statement analysis, understand the drivers of credit risk rating models, and understand the credit exposure generated by transactions across different energy related commodities. This role reports to the Director of Trading Credit Risk Management and is based at NextEra Energy's headquarters in beautiful Juno Beach, FL. NextEra is uniquely positioned in the US power markets, especially in renewables, and continues to grow. While we expect the successful candidate to make a commitment to this role, the company offers extensive career opportunities at this location. **Job Duties & Responsibilities** + Analyze counterparty credit risk profiles using financial analysis, rating agency data, and internal credit rating models in order to establish appropriate counterparty level credit ratings and exposure limits + Perform periodic reviews for all counterparties within an assigned portfolio, looking for changes in credit risk profile and adjusting internal limits and trading restrictions as needed + Monitor credit exposure across the existing portfolio to ensure compliance versus existing limits and identifying and escalating breaches and emerging risks as necessary up to senior management + Partner with commercial, legal, market risk, and other internal teams to properly evaluate the credit risk exposure within transactions and structure agreements with credit terms that best protect the company + Enforce existing risk policies and procedures in order to minimize credit, liquidity, and contingent risks to NextEra Energy + Significant involvement in month-, quarter-, and year-end closing processes + Conform to SOX controls processes and innovate controls improvements + While this role has no direct reports, mentoring junior staff is an important aspect of this role + Work closely with other risk functions to ensure a holistic approach to risk management + Support systems upgrades, implementations, and automation projects + Foster a risk aware culture, model high ethical standards, and be a champion for the company's values of excellence, doing the right thing, and respect **Ideal Qualifications** + Proven success on a leading power and gas trading floor as a risk manager, product controller, trading operations, or related roles + Knowledge of power and gas markets, as well as other energy and traded markets + Understanding of physical trading, derivatives, and financial products + Experience with financial statement analysis and understanding of credit risk metrics + Ability to analyze and understand changes in credit exposure as well as potential credit exposure calculations + Understanding of credit terms within energy master agreements such as ISDAs, NAESBs, EEIs + Experience with Energy Trading Risk Management Systems, preference for implementation experience + Degree in Finance, Accounting, Economics, or a related field; professional certification CPA or CFA a plus + Proficiency with MS Excel and SQL; experience with PowerBI a plus + Collegiality and truly good interpersonal skills balanced with a disciplined risk management approach + Professional passionate about risk management **Job Overview** Employees in this role perform analytical modeling to assess and minimize the company's exposure to credit risk, negotiation of transactional documents, counterparty credit risk assessment and scoring. The successful candidate develops reliable and timely risk management solutions for a complex portfolio of credit, liquidity and contingents risks. Individuals in this role identify, analyze and mitigate current and emerging risks from the applicable portfolio. In this position, employees are responsible for supporting the Manager of Credit Risk, accountable for the credit and liquidity risk management of a dynamic portfolio of counterparts engaged in the North American wholesale energy markets for NextEra Energy Resources. **Job Duties & Responsibilities** - Delivers robust fundamental credit risk analysis assessments of counterparts in a range of industry verticals including generating shadow ratings using best-in-class credit rating models - Proposes sensible credit limits for transactions with counterparts - Manages a portfolio of counterparts including exposure analysis, annual reviews, limit management, portfolio surveillance and derisking solutions - Partners with the commercial teams to negotiate transaction structures as well as master agreements - Works with a range of insurance companies / banks to deliver credit risk mitigation options to support business development - Performs other job-related duties as assigned **Required Qualifications** - High School Grad / GED - Bachelor's or Equivalent Experience - Experience: 2+ years **Preferred Qualifications** + Bachelor's Degree + Chartered Financial Analyst (CFA) NextEra Energy offers a wide range of benefits to support our employees and their eligible family members. Clickto learn more. **Employee Group:** Exempt **Employee Type:** Full Time **Job Category:** Energy Trading **Organization:** NextEra Energy Marketing, LLC **Relocation Provided:** Yes, if applicable NextEra Energy is an Equal Opportunity Employer. Qualified applicants are considered for employment without regard to race, color, age, national origin, religion, marital status, sex, sexual orientation, gender identity, gender expression, genetics, disability, protected veteran status or any other basis prohibited by law. NextEra Energy provides reasonable accommodation in its application and selection process for qualified individuals, including accommodations related to compliance with conditional job offer requirements, consistent with federal, state, and local laws. Supporting medical or religious documentation will be required where applicable and permitted by applicable law. To request a reasonable accommodation, please send an e-mail to, providing your name, telephone number and the best time for us to reach you. Alternatively, you may call **************. Please do not use this line to inquire about your application status. NextEra Energy will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. NextEra Energy **does not** accept any unsolicited resumes or referrals from **any third-party recruiting firms or agencies** . Please see ourfor more information.

What Makes Us Unique At Cloudbeds, we're not just building software, we're transforming hospitality. Our intelligently designed platform powers properties across 150 countries, processing billions in bookings annually. From independent properties to hotel groups, we help hoteliers transform operations and uplevel their commercial strategy through a unified platform that integrates with hundreds of partners. And we do it with a completely remote team. Imagine working alongside global innovators to build AI-powered solutions that solve hoteliers' biggest challenges. Since our founding in 2012, we've become the World's Best Hotel PMS Solutions Provider and landed on Deloitte's Technology Fast 500 again in 2024 - but we're just getting started. How You'll Make an Impact: As a Payments Risk Credit Analyst, you'll play a key role in protecting Cloudbeds and our hotel partners as we scale rapidly. This role is highly impactful: your insights will directly influence how we onboard, manage, and protect our global payments portfolio. You'll thrive by owning problems end-to-end, learning continuously as our product and payments offerings evolve, and helping us navigate the complexities of a hyper-growth fintech environment. Our Payments Risk Team: We're a collaborative, data-driven team that safeguards Cloudbeds while empowering our customers to grow with confidence. We work closely with Finance, Legal, Customer Success and Sales to monitor merchant exposure, design credit and reserve frameworks, and anticipate risks before they materialize. We support one another, but also expect each team member to be self-driven and comfortable making decisions in an ambiguous environment. What You Bring to the Team: Assess merchant financials, payment flows, and credit risk indicators Recommend credit limits, reserves, and payout hold thresholds Analyze chargeback and refund trends to detect emerging risks Review entity changes, liens, and restructuring for financial impact Partner across Finance, Risk Ops, and Legal to refine credit policy Support audits, board reporting, and ongoing credit policy reviews What Sets You Up for Success: 3+ years in payments risk, PayFac credit analysis, and / or merchant acquiring Strong experience with risk frameworks for payment processors or SaaS companies running PayFac models Proficiency in Excel/Sheets; SQL and / or BI tools Experience with SMB credit risk or merchant underwriting Clear communicator who can simplify complex risk issues for diverse audiences High attention to detail with a bias for action Bonus Skills to Stand Out (Optional): Background in fintech or hospitality payments Familiarity with chargeback processes and reserve adequacy modeling Knowledge of credit scoring frameworks and risk modeling tools (Python/R) Risk certifications (CRC, FRM, CFA, or similar) Compensation: Depending on your skills and experience, you can expect your annual compensation to be between $75K- $120K #LI-REMOTE #LI-SD1 What to Expect - Your Journey with Us Behind Cloudbeds' revolutionary technology is a team of redefining what's possible in hospitality. We're 650+ employees across 40+ countries, bringing together elite engineers, AI architects, world-class designers, and hospitality veterans to solve challenges others haven't dared to tackle. Our diverse team speaks 30+ languages, but we all share one language: a passion for innovation and travel. From pioneering breakthroughs in machine learning to revolutionizing how hotels operate, we're not just watching the future of hospitality unfold - we're coding it, designing it, writing it and shipping it. If you're ready to work alongside some of the brightest minds in tech who are obsessed with using AI to transform a trillion-dollar industry, this is your chance to be part of something extraordinary. Learn more online at cloudbeds.com Company Awards to Check Out! Best All-In-One Hotel Management System | HotelTechAwards (2025) Overall 10 Best Places to Work | HotelTechAwards (2025) Most Loved Workplace Certified (2024) Top 10 People's Choice(2024) Deloitte Technology Fast 500 (2024) Discover our Benefits: Remote First, Remote Always PTO in accordance with local labor requirements 2 corporate apartment accommodations for team member use for free (San Diego & São Paulo) Full Paid Parental Leave Home office stipend based on country of residency Professional development courses in Cloudbeds University Access provided to professional Therapy and Coaching Access to professional development, including manager training, upskilling and knowledge transfer. Everyone is Welcome - A Culutre of Inclusion Cloudbeds is proud to be an Equal Opportunity Employer that celebrates the diversity in our global team! We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. Cloudbeds is committed to the full inclusion of all qualified individuals. As part of this commitment, Cloudbeds will ensure that persons with disabilities are provided reasonable accommodations in the hiring process. We encourage deaf, hard of hearing, deaf-blind, and deaf-disabled individuals to apply. If reasonable accommodation is needed to participate in the job application or interview process or to perform essential job functions, please contact our HR team by phone at ************ or via email at ***************************. Cloudbeds will provide an American Sign Language (ASL) interpreter where needed as a reasonable accommodation for the hiring processes. To all Staffing and Recruiting Agencies: Our Careers Site is only for individuals seeking a job at Cloudbeds. Staffing, recruiting agencies, and individuals being represented by an agency are not authorized to use this site or to submit applications, and any such submissions will be considered unsolicited. Cloudbeds does not accept unsolicited resumes or applications from agencies. Please do not forward resumes to our jobs alias, Cloudbeds employees, or any other company location. Cloudbeds is not responsible for any fees related to unsolicited resumes/applications.

Application Deadline: 01/08/2026 Address: 501 E Kennedy Boulevard Job Family Group: Commercial Sales & Service Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment. Performs financial analysis and calculations, assesses client creditworthiness, prepares detailed credit summaries, analyses financial performance and risk profiles of clients within the portfolio. Supports credit-granting decisions by making recommendations to manager Supports the negotiation of loan terms and conditions and the structuring of loans that align with client requirements and ensure compliance with the banks risk appetite and policies. Supports portfolio monitoring and compliance, analyses metrics, and assesses industry trends to spot risks and opportunities. Develops proposals to capture new business and expand client relationships. Monitors loan performance, accuracy and integrity of loan documentation and addresses credit-related issues while ensuring the accuracy and integrity of loan documentation. Builds and maintains client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners. Structures and supports new, renewal and extension loans aligned with client needs and bank & risk policies Conducts financial analysis and risk assessments of clients' credit information, for an assigned portfolio, to provide insights and make informed decisions Monitors the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required. Minimizes BMO's risk exposure by adhering to credit policies, regulatory standards, and operational guidelines. Serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalates issues when needed. Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships. Identifies revenue and cross-selling opportunities to enhance portfolio growth. Identifies share of wallet opportunities. Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis. Manages timely and accurate data entry into BMO's systems and leverages the data to support decision-making. Focus may be on a business/group. Thinks creatively and proposes new solutions. Exercises judgment to identify, diagnose, and solve problems within given rules. Works mostly independently. Broader work or accountabilities may be assigned as needed. Qualifications: Preferred 1 - 3 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment. If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards. Bachelor's degree required; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered. Specialized knowledge from education and/or business experience. Foundational level of proficiency: Problem Solving Collaboration Detail-Oriented Customer Service Analytical Thinking Intermediate level of proficiency: Financial Analysis Loan Structuring Data analysis tools Regulatory Compliance Portfolio Management Credit Risk Assessment Banking Operations Microsoft Office Salary: $54,000.00 - $99,600.00 Pay Type: Salaried The above represents BMO Financial Group's pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group's expected target for the first year in this position. BMO Financial Group's total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: ******************************************** About Us At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset. To find out more visit us at ************************* BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to ************************** and let us know the nature of your request and your contact information. Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

The Credit Monitoring Analyst II 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 * Accurately calculate financial ratios and monitor Borrower's covenants for compliance as outlined in loan documents. * Effectively communicate all internal communication of the borrower's performance and trend analysis to the appropriate parties. * Completes post booking reviews on commercial loans to ensure accuracy of loan documents as outlined in the credit approval and ensure internal tracking of covenants are accurately built for internal tracking purposes. * Analyze and assess financial statements and credit history of existing and potential clients. * Provide additional support to Credit Administration as it relates to special projects as assigned. * Comply with all credit administration policies and procedures. * Prepare ad hoc reports as requested. * Provide back-up assistance to other team members at peak volume times, including but not limited to reviewing and analyzing Borrowing Base Certificates and reviewing financial statements for accuracy and advancement of next due date. * Mentorship of less experienced Credit Monitoring Analysts. * Complete Moody's Credit Modules, as assigned. * Comply with all credit administration policies and procedures. * 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 * Intermediate understanding of credit analysis and financial statements. * Full understanding of balance sheets, income statements and cash flow statements * 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 * Minimum 2 years of experience with credit loan documents and credit monitoring experience in the financial services industry. * 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: $62,000.00 - 82,000.00 /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.

Job Title: Credit Analyst Salary Range: $60,000 - $80,000, plus commission LoanBud is a rapidly expanding fintech focused on supporting small businesses through innovative financing solutions. Our mission is to empower small-business owners by providing streamlined access to capital through SBA and other small-business loans. We foster a culture of growth, teamwork, and dedication to the entrepreneurial spirit. Position Overview We're hiring a Credit Analyst to evaluate and prequalify SBA 7(a) transactions, compile complete lender-ready packages, and submit files for underwriting. You will analyze cash flow, build DSCR calculations, collect and track documents, and collaborate with buyers, sellers, brokers, and lenders to move deals efficiently from inquiry to approval. Prior M&A or business-brokerage experience is a plus. Key Responsibilities Deal Screening and Prequalification: Review listings and buyer scenarios for SBA 7(a) eligibility; assess structure, DSCR, working capital, and debt capacity; flag issues and propose mitigants. Credit Analysis: Build pro forma P&Ls, cash-flow statements, debt schedules, and sensitivity cases; evaluate add-backs, owner compensation, and collateral; summarize strengths, risks, and conditions. Packaging and Submission: Assemble complete loan packages and lender forms; draft concise credit write-ups; submit to lenders and manage follow-ups through screening and underwriting. Document Collection: Own checklists and timelines for financials, tax returns, bank statements, personal financial statements, purchase agreements, and related materials; drive stakeholder responses. Stakeholder Coordination: Communicate with internal teams, buyers, sellers, and brokers; schedule calls; track milestones; keep CRM/LOS records current and accurate. Process Improvement: Standardize templates and Excel tools; suggest automation to speed analysis and packaging. Requirements Bachelor's degree in Finance, Accounting, Economics, or related field (or equivalent experience). 1-3+ years in credit analysis, underwriting support, corporate finance, investment banking, or business brokerage; SBA 7(a) exposure preferred. Strong cash-flow analysis skills with command of DSCR and debt-capacity concepts. High proficiency in Excel (financial modeling, pivot tables, lookups) and comfort working with PDFs and statements. Clear written and verbal communication; highly organized, detail-oriented, and deadline-driven. Nice to have: prior M&A or quality-of-earnings experience; familiarity with tax returns and common add-backs. Location The position is office-based in Fort Lauderdale, supporting our collaborative and interactive company culture. Compensation & Benefits Compensation: Base salary $60k - $80k plus commission. Comprehensive health, dental, and vision insurance. Generous paid time off to support work‑life balance. Competitive 401(k) plan with substantial company matching. Application Process Interested candidates are invited to submit a detailed résumé and a compelling cover letter that explains their suitability for the role and their motivation to join LoanBud. LoanBud is dedicated to creating a diverse and inclusive work environment. We are an equal‑opportunity employer and welcome applications from all qualified candidates. Be Part of Our Growth Story Join LoanBud and help more entrepreneurs close on great businesses. Your analysis will directly accelerate approvals and unlock capital for small-business owners nationwide-apply today and help shape the future of how small businesses access SBA financing.

Triad's Floorplan Division specializes in Commercial Inventory Finance for Retailers of Manufactured Homes. As part of the Commercial Finance Team, the Jr Credit Analyst will work closely with other analysts & the Commercial Credit Manager to underwrite financial performance of new & existing clients, research business experience & industry trends, and craft recommendations for approval. This role is an integral part of the loan origination process; it requires an individual with a basic understanding of commercial finance products, credit risk factors, and financial analysis/underwriting. As a Junior Analyst, you will work closely with the Commercial Credit Team to: Spread statements to analyze standard financial metrics & trends for credit worthiness. Craft approval recommendation memos by writing narratives citing repayment capability, performance trends, and key risks & strengths. Manage portfolio of existing clients, processing loan product modifications, increases/decreases to loan commitment, annual reviews & renewals, etc. Follow up with clients to collect financial statements and make inquiries on performance as needed. Ideal Candidate: Four-Year degree or equivalent work experience (Finance, Accounting, Economics, other business major) required. Risk Management Certification (RMA, CRM, etc.) or similar related experience is ideal. Ability to read standard financial statements and communicate cash flows and changes in performance. Ability to independently gather, consolidate, analyze, and summarize data into a written narrative. Receptive to initial training on loan products, calculations, and general analysis. Extreme attention to detail is imperative, in addition to organizational, clerical, and written language skills. Job Type: Full-time Salary: Based on education & experience Benefits Included Triad Financial Services (TFS) is one of the oldest and most trusted lenders in the manufactured home industry with over 50 years of lending experience. TFS expects rapid growth in commercial and retail finance which will create opportunities for advancement. Our goal at TFS is to be the friendliest, hardest working, service-oriented company in the business. TFS is headquartered in Jacksonville, FL.

Bring your expertise to JP Morgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers, and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo, and striving to be best-in-class. As a Vice President in Middle Market Banking and Specialized Industry Credit Risk, you will partner with a cross functional team delivering credit solutions that support a range of needs from working capital and general corporate purposes to acquisition finance and dividend recapitalizations. Additionally, you will work with family-owned businesses, financial sponsors and some publicly traded companies. This role is responsible for underwriting and structuring new financing solutions as well as ongoing portfolio management in support of a range of needs from working capital and general corporate purposes to acquisition finance and dividend recapitalizations with execution on both a bilateral basis and in the syndicated finance market with a heavy emphasis on the latter. This Vice President position involves extensive interaction with clients, internal partners, legal counsel, and other lenders, etc. This risk management position supports Middle Market Banking and Specialized Industries for the Florida region which covers companies generally between $20 million and $2 billion in revenues across a wide variety of industries. Job Responsibilities Utilize excellent credit analysis and financial modeling skills to underwrite and structure new transactions and work independently on the assigned credit portfolio. Appropriately assess risks / mitigants, balance risk / reward, diligently manage renewals, amendments and new transactions as well as maintain acceptable credit reporting metrics. Form well thought out, independent views and be able to voice your opinion in a clear, concise manner and to defend that position with partners and senior leadership. Lead complex transactions including negotiations and legal documentation for bilateral and syndicated finance structures. Work proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving. Act with a sense of urgency and drive execution to meet both internal and client deadlines. Partner effectively to develop fulsome client relationships, including being looked to as an expert on Structuring and Credit Policy and will be viewed as the “go-to” person for credit by both internal partners and clients. Provide leadership in the market by being a positive contributor to the team, including being a mentor to less experienced team members, embracing change and participating in various projects or improvement exercises for the benefit of the organization. Demonstrate excellent communication skills both internally and externally and use those communication skills to effectively solve problems. Required Qualifications, Skills and Capabilities BA/BS/BBA degree is required Completion of a major corporate or commercial bank credit training program (or the equivalent corporate banking/corporate finance experience) and a thorough understanding of bank credit policies and procedures At least 6 years' experience in commercial banking/lending including extensive credit analysis, structuring and loan documentation experience Significant accounting and finance knowledge and superior financial modeling skills Strong working knowledge of credit agreements and other loan documentation along with solid negotiation skills Demonstrated excellent verbal and written skills, interpersonal skills, and analytical and problem-solving skills Excellent organizational and project management skills; able to manage competing priorities under tight deadlines Proven ability to collaborate and build strong partnerships. Intellectual curiosity with a proven ability to learn quickly High degree of initiative, self-direction, and ability to work well under pressure

Job DescriptionOTC Interest Rate and Credit Derivatives Analyst Tampa FL or Tempe, AZ (4 days onsite, 1 day remote) 95-125K + Bonus + Paid Relocation OTC Interest Rate and Credit Derivatives Analyst ensures all relevant processing and maintenance functions are completed accurately within prescribed timeframes and in accordance with established departmental procedures. Responsibilities: Draft and review ISDA paper confirmations for Interest Rate products. Process/review Markitwire (electronic) confirmations for Interest Rate products. Process/review TradeServ (electronic) confirmations for Credit Derivatives. Ensure all documentation complies with ISDA and market practice. Interact with Counterparty, Front Office and Legal as needed to resolve confirmation issues. Ensure the tracking of outstanding confirmations is recorded and reported to management. Respond to internal and external inquiries timely and with professionalism. Understand the roles and responsibilities of other units we deal with and effectively interface with those units when required. Work with the team and assist with ad-hoc requests and project related tasks. Participate in user acceptance testing for systems upgrades, database conversions and introduction of new systems. Provide training to other team members as needed. Requirements Qualifications: Proficiency of ISDA Interest Rate Derivatives Definitions. 5-7 years of Interest Rate Documentation experience within a banking/investment banking environment. High degree of accuracy and attention to detail; must be able to effectively manage time and prioritize multiple responsibilities; strong organizational and communication skills (both verbal and written); proficient at Microsoft Excel and Word; strong analytical and problem-solving skills; ability to quickly adapt to change and work in a deadline-oriented environment; ability to work independently and as part of a team. Bachelor's Degree required. Benefits Health and wellness benefits Retirement plans Educational assistance and training programs Income replacement for qualified employees with disabilities Paid maternity and parental bonding leave Paid vacation, sick days, and holidays

Type: Full -Time | On -Site Urgent Hire - Fast Interview Process We are seeking a Corporate Banking Credit Analyst II to support the Corporate -Syndicated Lending segment of a leading financial institution headquartered in Miami. This is a high -visibility role within a dynamic and growing team focused on Syndicated Loans (50%), Middle Market Lending (25%), and Project Finance (25%). The position operates in a credit -investor environment, analyzing Term Loans in both primary and secondary markets-holding them through maturity-while also participating in bilateral and club deals. This is an industry -agnostic position with direct exposure to senior leadership and strategic decision -making. Key Responsibilities: Draft comprehensive Credit Approval Memorandums (CAMs) for new and existing loans, annual reviews, waivers, and amendments. Conduct in -depth credit underwriting and financial analysis using a wide range of materials (financials, models, lender decks, filings, reports, etc.). Ensure loan proposals are compliant with internal credit policies and underwriting standards. Proactively address potential credit committee questions and risks within the CAM. Present findings to the Corporate and Credit Banking Departments and communicate key risk insights. Support portfolio monitoring, amendments, waivers, and quarterly reporting. Contribute to internal credit and pipeline meetings and maintain strong collaboration with internal teams. Requirements Candidate Profile: Minimum of 2 years of credit or lending experience in banking or related finance sectors. Strong analytical skills and attention to detail in credit documentation and risk evaluation. Excellent communication and presentation abilities. Proactive, collaborative, and ownership -driven mindset. Comfortable working full -time on -site in a fast -paced, high -stakes corporate environment. Core Competencies: Customer Focus & Relationship Building Business Acumen & Financial Insight Analytical Thinking & Problem Solving Communication & Presentation Skills Accountability & Results Orientation Collaboration & Teamwork Adaptability & Innovation Work Environment: This is an in -office role located in a professional corporate setting. Occasional external events may require extended hours or attendance during non -business days. Benefits Avantis Resources is proud to be an Equal Opportunity Employer. We encourage all qualified individuals to apply.

Our client is looking for a Credit Analyst to join their team in Miami. The individual will prepare credit analyses and underwrites commercial, international and consumer transactions as outlined below. RESPONSIBILITIES: Spread financial statements in order to pre-screen the viability of the credit proposal Examines accounting methods and scrutinizes financial statement and accompanying information Prepare credit presentations which include the following: identify and mitigate risk, identify sources of repayment, sensitivity analysis, industry data and project analysis Pull credit reports, OFAC and background checks to evaluate and examine credit references for consistency with information provided Analyzes borrower's business methods of operations, operational environment, financial condition and operating performance to determine borrower's ability to pay on loans Requests specific information and discusses or resolves issues pertaining to borrower's business, financial status and credit risk Confers with Credit Manager in order to resolve problems with application or missing information Performs credit underwriting, assess credit risk, complies with the Bank's Credit Policy and issues recommendations about credit proposals to be reviewed by the Credit Manager Performs credit analyses for annual reviews and credit renewals as required Conducts follow-up of borrowers' financial situations with authorized credit facilities Assures financial covenants of each transaction are carried out as approved Maintains continuous efforts to supervise problem credits Attends to administrative functions of the credit Committee (agenda, minutes and board letters) when needed Signs and authorizes credit/trade references when needed Participates in special projects related to the bank's loan portfolio, such as but not limited to legal lending limit log, Allowances for Loan Losses, etc. Full knowledge and understanding of bank policies, procedures, regulatory and compliance requirements, including but not limited to BSA/AML, CDD, EDD, and others as defined by the Compliance Division and Information Security Division Attend and/or complete all required training as assigned Ensure compliance with all applicable laws, regulations and policies EDUCATION AND/OR EXPERIENCE: Bachelor's degree (B.A) from qualified college or university; and five years related experience and/or training; or equivalent combination of education and experience.

Job Description About The Energy Authority The Energy Authority (TEA) is a public power-owned, nonprofit corporation with offices in Jacksonville, Florida, and Bellevue (Seattle), Washington. TEA provides public power utilities with access to advanced resources and technology systems so they can respond competitively in the changing energy markets. Through partnership with TEA, utilities gain an experienced organization singularly focused on maximizing the market value of their assets. About The TEAm In this role, you will support company and departmental goals related to assessing, monitoring, and reporting TEA's exposure to market, credit, regulatory, and operational risks and limits. You will assist in evaluating and managing TEA's exposure to credit, counterparty, and performance risks through the development and implementation of measurements and limit structures aligned with TEA and Client risk tolerances. This position also provides critical support to the Director of Credit and Risk Control and the VP of Risk Control across all risk-related activities. About The Role This analyst position is less focused on daily controls and more centered on project-driven work requiring analytical thinking, logic, awareness, problem-solving skills, and big-picture perspective. You will be expected to understand TEA's controls framework and the credit risks affecting both TEA and its Clients operating within the wholesale energy markets. Essential Duties and Responsibilities Maintain an understanding of the energy industry and mega-trends related to market, operational, regulatory, and credit developments. Understand new products and how to protect TEA and its Clients from unwanted product risk. Stay current on counterparty news and distribute relevant updates as needed. Demonstrate in-depth understanding of Risk Reporting and Financial Models used to measure and model exposure and exposure uncertainty within TEA and Client reporting frameworks, including: Margin at Risk, CER/PFE, CVaR Cross Commodity Reports Mark-to-Market Credit Reports Demonstrate strong understanding of credit analytics, including financial statement spreading and analysis. Create limit structures aligned with credit risk exposures and stakeholder risk tolerances. Maintain a deep familiarity with TEA and Client risk limit frameworks and Risk Policies. Ensure compliance with Risk and Credit policies and procedures. Investigate, document, and report Risk Policy violations-including discussing violations directly with the violator. Suggest and implement process improvements for TEA and its Clients. Provide excellent customer service across all areas of TEA; maintain high visibility within the organization and interface with all levels of management. Build strong working relationships with marketing, operations, legal, accounting, and IT to support accurate and relevant information sharing. Assist the Director of Credit and Risk Control as assigned. Education and Experience Bachelor's degree (B.S.) from a four-year college or university required; major in a technical or business-related discipline highly preferred. Advanced degree is a plus. Minimum of five years of related experience preferred. Benefits Generous Paid Time Off - rollover up to 360 hours per year Retirement Savings Plans: Annual employer contribution of 10% of base salary Employer match of 50% of employee contributions, up to 6% of base salary Pre- and post-tax contributions allowed Comprehensive medical, dental, and vision insurance Traditional PPO and HSA-qualified medical plans Employer-funded Health Savings Account Flexible Spending Accounts Employer-paid Life, AD&D, and Disability Insurance Award-winning corporate culture Exposure to clients and high visibility to senior executives Learn new things every day - you will never be bored! Why TEA? At TEA, we don't just work in energy markets-we help shape them. Joining us means being part of a collaborative, innovative environment that supports growth, rewards dedication, and celebrates success. If you're ready to bring your skills to a team where every contribution matters, apply today to make your impact as a Credit Risk Analyst at TEA. TEA Values TEA employees share a common sense of purpose. When TEA accomplishes its mission, the result is improved quality of life for the citizens and businesses of the communities our clients serve. TEA employees exceed the expectations of those they serve, deliver services with the highest standards of fair, honest, and ethical behavior, set the standard for service and expertise in our industry, embody a spirit of collaboration, and embrace TEA's founding entrepreneurial spirit by seizing opportunities to deliver value. If you are self-motivated, driven to deliver excellence, and passionate about your career, TEA is the perfect place for you. It's YOUR Future. It's OUR Future.

Job DescriptionABOUT BCI Bci provides financial services to individuals and corporations. We focus on being a global leader in innovations and personalized client experience and, with more than 10,500 employees, Bci is recognized as one of the best companies in which to work and develop a career. It is the third largest privately owned bank in Chile and it has more than 300 branch offices throughout Chile and representative offices in other countries. Bci is an Equal Opportunity Employer - All qualified applicants will receive consideration without regard to race, color, religion, gender, national origin, age, disability, veteran status, or any other factor determined to be unlawful under applicable law. JOB SUMMARY The Senior Credit Analyst assists the SVP Credit Risk Manager with all aspects of the underwriting process of multimillion complex syndicated and bilateral credits for large domestic and foreign corporate enterprises operating in several diverse industries and which are usually listed in stock exchanges and rated by credit rating agencies. Credit facilities include working capital lines, trade financing, term loans, acquisition financing and project financing. The Senior Credit Analyst serves as back up to the SVP Credit Risk Manager. DUTIES OF THE POSITION The duties of the position include, but are not limited to, the following: Provide guidance to staff involved in credit analysis in domestic and international offices. Actively participate in credit configurations meetings with lenders providing guidance and feedback on loan structures and analysis, participating in calls to clients as needed. Borrower assessment: its structure, its operations, the industry in which it operates. Assessment of the loan structure being requested. Accurately spread and analyze historical financial statements together with relevant projections to assess borrower's ability to repay. Determine and assess key credit risks and corresponding mitigants. Determine and assess key strengths and weaknesses. Ensure compliance with all relevant regulatory requirements such as Leveraged Lending and Project Financing Complement analysis with research and evaluation of market data using databases from Standard & Poor's, Bloomberg and others for items such as projections consensus, share price, market capitalization, bond prices and yields, and loan liquidity and pricing. Identify and document exceptions to Credit Policy. Recommend the credit risk rating to be assigned to the borrower following established policies and procedures. Timely prepare a sound, objective, independent and comprehensive assessment of the credit request in the established format incorporating the above requirements for presentation to Credit Risk Manager, Internal Management Committee, and International Credit Committee. Prepare and present quarterly analysis of interim financial statements for the borrowers assigned. Monitor compliance with terms and conditions. Monitor industry trends and economic developments to identify potential areas of risk in the loan portfolio. Ensure credit files contain all relevant documentation related to approved credits. Maintain courteous, professional and effective internal and external working relationships. Provide constructive feedback and suggestions in a cooperative professional manner. May assist with the process of internal/external audits, loan reviews and regulatory examinations. Effectively speaking before groups of customers or employees. Work all hours required to fulfill job duties and responsibilities (including evenings, weekends and holidays as needed). Provide coverage for other positions as requested and serve as back up to the SVP Credit Manager. May supervise and train junior credit analysts. Knowledge and Skills: Strong understanding of risk management and credit mitigants Strong analytical and financial modeling ability Good working knowledge of Standard & Poor's and Moody's analytical tools Strong verbal and written communication skills Excellent knowledge of US Regulatory Guidance and relevant laws and regulations Ability to understand, speak, read and write English and Spanish Effectively speaking before groups of customers or employees Assume evolving duties and responsibilities of position Work all hours required to fulfill job duties and responsibilities (including, weekends, evenings and holidays as needed) Travel as required Provide coverage for other positions as requested Ability to carry and lift boxes and objects that may weigh between 10 and 25 pounds. Perform additional duties and responsibilities as assigned by management In the performance of their duties, all BCI - Miami Branch staff members are required to comply with all state and federal regulatory and legal requirements, including the Bank Secrecy Act, the Federal Election Campaign Act of 1979, the Foreign Corrupt Practices Act, and the Bank Bribery Amendments Act. Additionally, all staff members must comply with in the BCI's Personnel Manual and Code of Ethics and other policies of BCI which are either currently in place or which may become effective during the staff member's employment. COMPLIANCE RESPONSIBILITIES In the performance of their duties, all Bci - Miami Branch staff members are required to comply all state and federal regulatory and legal requirements, including the Bank Secrecy Act, the Federal Election Campaign Act of 1979, the Foreign Corrupt Practices Act, and the Bank Bribery Amendments Act. Additionally, all staff members must comply with in the Bci's Personnel Manual and Code of Ethics and other policies of Bci which are either currently in place or which may become effective during the staff member's employment. PRE-HIRE REQUIREMENTS FOR THIS POSITION: COMPUTER: Ability to operate IBM compatible personal computers; fluency with Microsoft Word, Microsoft Excel, Microsoft PowerPoint and EDUCATION: Bachelor's degree in Business Administration, Finance, Accounting or related field EXPERIENCE: Minimum ten years of financial analysis experience in USA financial institutions Minimum 4 years of supervisory experience Minimum 3 years of experience participating in Credit Committees with Recommending duties

Job Description Lead examinations of the different loan portfolios of AMTB, ensuring that the credit quality and credit administration of the Bank's portfolio conforms to Bank's Policy & Procedures, and regulatory guidance. Provide useful continual feedback on the effectiveness of the lending process in order to identify any emerging risks. Responsibilities: Conduct and lead credit reviews of mid-to-large size loans or portfolios of high complexity (i.e. Domestic & International Commercial - small businesses, middle market & corporate, Commercial Real Estate, Real Estate Construction, and Financial Institutions Loans) to validate the risk rating, promptly identifying potential credit weaknesses and recommending changes in assigned risk ratings as deemed necessary. Prepare and submit credit risk review reports for each review conducted, ensuring reports accurately reflect findings documented in work papers, including related risks. Ensure conclusions and recommendations are reasonable and well-based and all reports are prepared in an efficient, timely, and concise manner. Plan and supervise field work, performance of procedures in key areas, work paper review, and status meetings. Recommend adjustments to review methods and systems and perform loan review program updates as appropriate. Manage personnel on assignments to balance workload and establish priorities in order to meet commitments and accomplish all major objectives accurately and in a timely manner (i.e. completing fieldwork and review note corrections, ongoing communication, planning, and report preparation). Evaluate assigned Criticized Asset Reports for impaired credits in order to confirm the accuracy of the assigned risk rating, accrual and BEFD status, adequacy of the impairment calculation (ASC-310) and designation. Review the completeness of the credit loan files and collateral documentation and research the customer's overall relationship with the Bank and determine significant technical deficiencies and credit risks. Identify and communicate credit policy exceptions and issues to Loan Officers/Department Managers to address credit/legal deficiencies on a timely basis. Maintain proper documentation, including cross-reference and other techniques required for creating and maintaining an adequate audit trail. Maintain current knowledge of business, organizational, credit risk and technological changes as well as pertinent internal, credit and regulatory policy and procedural requirements to ensure review integrity, process innovation, and service quality. Provide guidance to team members in the following areas: adopting the operating procedures of the department, formats used and criteria applied to the various types of loans, and implement the credit policies and procedures. Back up function for other operational roles performed in the department, as required by manager. Prepare presentations, reports, charts, and special assignments in support of the Credit Review Department and Management for presentation at the corresponding committees. Assist Credit Review Manager in special projects. Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues. Other duties as required. Minimum Education and/or Certifications Requirements: Bachelors degree in Accounting, Finance, Economics is required. Formal credit analysis training required. Minimum Work Experience Requirements: Minimum of 5 years' experience in the Credit Review and/or credit analysis functions is required, including 2-year experience in loan review. Technical and/or Other Essential Knowledge: Previous experience with MS Office Skills, including MS Word II, MS Excel II, Access II and MS PowerPoint II required. Knowledge of regulatory requirements, market area and economic climate, and standards applicable to Domestic & International Commercial Lending (small business, middle market, and corporate), Commercial Real Estate, Real Estate Construction, and Financial Institutions loans. Advance credit risk analysis skills. Basic statistics skills required. Ability to seek and gather information from a variety of sources. Strong analytical ability in order to render a final and objective determination on the credit evaluation. Maintain an objective and independent perspective throughout

Lead examinations of the different loan portfolios of AMTB, ensuring that the credit quality and credit administration of the Bank's portfolio conforms to Bank's Policy & Procedures, and regulatory guidance. Provide useful continual feedback on the effectiveness of the lending process in order to identify any emerging risks. Responsibilities: * Conduct and lead credit reviews of mid-to-large size loans or portfolios of high complexity (i.e. Domestic & International Commercial - small businesses, middle market & corporate, Commercial Real Estate, Real Estate Construction, and Financial Institutions Loans) to validate the risk rating, promptly identifying potential credit weaknesses and recommending changes in assigned risk ratings as deemed necessary. * Prepare and submit credit risk review reports for each review conducted, ensuring reports accurately reflect findings documented in work papers, including related risks. Ensure conclusions and recommendations are reasonable and well-based and all reports are prepared in an efficient, timely, and concise manner. * Plan and supervise field work, performance of procedures in key areas, work paper review, and status meetings. Recommend adjustments to review methods and systems and perform loan review program updates as appropriate. * Manage personnel on assignments to balance workload and establish priorities in order to meet commitments and accomplish all major objectives accurately and in a timely manner (i.e. completing fieldwork and review note corrections, ongoing communication, planning, and report preparation). * Evaluate assigned Criticized Asset Reports for impaired credits in order to confirm the accuracy of the assigned risk rating, accrual and BEFD status, adequacy of the impairment calculation (ASC-310) and designation. * Review the completeness of the credit loan files and collateral documentation and research the customer's overall relationship with the Bank and determine significant technical deficiencies and credit risks. * Identify and communicate credit policy exceptions and issues to Loan Officers/Department Managers to address credit/legal deficiencies on a timely basis. * Maintain proper documentation, including cross-reference and other techniques required for creating and maintaining an adequate audit trail. * Maintain current knowledge of business, organizational, credit risk and technological changes as well as pertinent internal, credit and regulatory policy and procedural requirements to ensure review integrity, process innovation, and service quality. * Provide guidance to team members in the following areas: adopting the operating procedures of the department, formats used and criteria applied to the various types of loans, and implement the credit policies and procedures. * Back up function for other operational roles performed in the department, as required by manager. * Prepare presentations, reports, charts, and special assignments in support of the Credit Review Department and Management for presentation at the corresponding committees. * Assist Credit Review Manager in special projects. * Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues. * Other duties as required. Minimum Education and/or Certifications Requirements: * Bachelors degree in Accounting, Finance, Economics is required. * Formal credit analysis training required. Minimum Work Experience Requirements: Minimum of 5 years' experience in the Credit Review and/or credit analysis functions is required, including 2-year experience in loan review. Technical and/or Other Essential Knowledge: * Previous experience with MS Office Skills, including MS Word II, MS Excel II, Access II and MS PowerPoint II required. * Knowledge of regulatory requirements, market area and economic climate, and standards applicable to Domestic & International Commercial Lending (small business, middle market, and corporate), Commercial Real Estate, Real Estate Construction, and Financial Institutions loans. * Advance credit risk analysis skills. * Basic statistics skills required. * Ability to seek and gather information from a variety of sources. * Strong analytical ability in order to render a final and objective determination on the credit evaluation. * Maintain an objective and independent perspective throughout

Job Description Senior Credit Analyst -Palm Beach, FL FinTrust Connect has partnered with a community-focused banking institution to identify a skilled Senior Credit Analyst. This is an opportunity to join a seasoned credit team, working closely with Relationship and Portfolio Managers to evaluate and support complex commercial lending activities. The ideal candidate brings a strong foundation in credit underwriting with a focus on C&I loans. Why this opportunity? Culture: Team-oriented, analytical, and collaborative environment with strong mentoring culture Workplace: On-site in Palm Beach, FL Function: Supports credit underwriting, portfolio management, and financial analysis for commercial clients, especially in medical and service sectors Requirements: 5+ years in credit analysis, loan review, or commercial banking Bachelor's degree in Accounting, Finance, or Business preferred Proficiency in Excel; familiarity with Salesforce or nCino is a plus Experience underwriting complex C&I loans, including for medical practices or service companies Strong understanding of bank operations and commercial loan structuring Description: Underwrite and analyze credit for commercial lending relationships with a focus on medical practices, service firms, and private client ventures Spread and interpret financial statements, perform covenant monitoring, and prepare detailed credit approval documentation Participate in structuring discussions and strategy meetings with Relationship Managers and Credit partners Track portfolio performance, manage credit risk, and ensure compliance with lending policies Collaborate with internal stakeholders and participate in client meetings Mentor junior analysts and contribute to special projects as needed

Working Title: AUDIT EVALUATION & REVIEW ANALYST - 41500157 Pay Plan: Career Service 41500157 Salary: $55,000.00 - $57,100.00 Total Compensation Estimator Tool FLORIDA GAMING CONTROL COMMISSION Division of Pari-Mutuel Wagering Audit Evaluation & Review Analyst Position Number: 41500157 Hiring Salary: $55,000.00 - $57,100.00 annually (commensurate with experience) * Internal Vacancy* Only current employees of the Florida Gaming Control Commission will be considered for this position. Overview: The Florida Gaming Control Commission is responsible for exercising all regulatory and executive powers of the state with respect to legal gaming, including pari-mutuel wagering, cardrooms, slot machine facilities, oversight of gaming compacts, and other forms of gambling authorized by state law, excluding the Lottery, as well as directly enforcing Florida's gaming laws and combatting illegal gambling activities. The agency is overseen by five Commissioners who are appointed by the Governor, with Commissioners appointing an Executive Director who leads a team of nearly 200 staff members. The mission of the Florida Gaming Control Commission is to preserve and protect the integrity of gaming activities through fair regulation, licensing, effective criminal investigation, and enforcement. The Commission offers a supportive work environment that fosters growth and collaboration. Position Duties & Responsibilities: The Audit Evaluation & Review Analyst, working under the direction of the Audit Administrator and Chief of Revenue and Audit, providing support to the FGCC's Division of Pari-Mutuel Wagering. The duties are as follows: * Prepare detailed work papers and assist with review and project close-out for all audits performed as assigned by the Audit Administrator and Chief of Revenue and Audit. * Ensure documentation in work papers is complete, relevant, accurate, and properly supports all audit findings. * Serves as the Audit Team Lead (ATL) for all audit engagements. * Assist regulatory analysts with work papers to ensure adherence to the Florida Administrative Code, Florida Statutes, and the Office of Revenue & Auditing Standard Operating Procedures (SOP) and guidelines. * Conduct exit conferences with audit entities. * Directly interact with permitholders throughout the audit year. * Prepare completed audits for imaging on the OnBase software system. * Assist regulatory analysts with software systems as needed. * Log informational items in a master file and reconcile to the custodial file to ensure accurate information is available when needed for audit assignments. * Assist the Audit Administrator and Chief of Revenue and Audit with audit reviews, information requests, audit training, revising of audit programs due to rules, statutory, regulatory changes, or other reasons as determined by the Chief of Revenue and Audit. * Assist the Chief of Revenue and Audit with analysis techniques to document risk-based auditing procedures, as assigned. * Prepare and review letters and reports to ensure quality control. * Successfully complete and maintain Division-related training courses as assigned. * Complete other assignments as requested by the Audit Administrator and Chief of Revenue and Audit. Knowledge, Skills, & Abilities: * Knowledge and ability to understand and apply Florida Statutes, rules, policies and procedures pertaining to pari-mutuel wagering, cardrooms, and slot machine activity. * Knowledge of information technology system requirements. * Knowledge of research techniques. * Knowledge of laws, regulations, and other administrative requirements. * Skilled in the use of a personal computer and Microsoft Office Suite at an intermediate or expert level. * Ability to collect, analyze and interpret data. * Ability to plan, organize and coordinate work assignments. * Ability to communicate effectively, verbally, and in writing. * Ability to handle confidential information. * Ability to understand and apply rules, regulations, policies, and procedures. * Ability to utilize problem-solving techniques. * Ability to effectively interview individuals and organize the information obtained to reflect the logical progression of procedures performed and conclusions reached. * Ability to work well as a team member. * Ability to follow instructions. * Ability to work within deadlines on multiple audits and assignments. * Ability to deal tactfully, courteously, and professionally with audited entities. * Ability to maintain objectivity. * Ability to make sound judgments and decisions. Minimum Qualifications: * Six (6) years of audit, compliance, or regulatory experience. Professional studies from an accredited college or university may substitute experience on a year-by-year basis. * A valid Driver's License; * Ability to travel 25% of the time. Where you will work: This position is located in Tallahassee, Florida. Contact, if applicable: *************************** * Applicants must complete all fields in the Candidate Profile. Work history with month and year, hours worked, and formal education are required to qualify for the positions. RESPONSES TO QUALIFYING QUESTIONS MUST BE VERIFIABLE IN THE CANDIDATE PROFILE (Duties and Responsibilities). Resumes and other documentation can be attached to provide additional information.* BENEFITS OF WORKING FOR THE STATE OF FLORIDA: Working for the State of Florida is more than a paycheck. The state offers a comprehensive compensation package for employees that feature a highly competitive set of benefits including: * Low premium health, dental, vision, life, and supplemental coverage options! * Paid personal time that includes annual leave, sick leave, nine paid holidays, and one personal holiday! * Paid administrative leave for mentoring, volunteering, voting, and more! * Family planning support that includes adoption benefits and paid/unpaid leave options for family and medical responsibilities! * Retirement plans that include employer contributions (For more information, please click *************** * Deferred compensation plans! * FREE basic life insurance plus additional options for you, your spouse, and children! * Flexible Spending Accounts! * Tuition waivers! Important Notices: * The Florida Gaming Control Commission has employment restrictions for all Commission employees referenced in sections 16.713 and 16.715, Florida Statutes. * This position requires a Level 2 background screening including fingerprinting, as a condition of employment and participation in direct deposit. You will be required to provide your Social Security Number (SSN) and/or State Issued Photo Identification in order to conduct this background screening. Applicants are required to apply through the People First system by the closing date, by applying online. All required documentation must be received by the closing date of the advertisement. If you have any questions regarding your application, you may call **************. Special Reminders: Male applicants born on or after October 1, 1962, will not be eligible for hire or promotion unless they are registered with the Selective Services System (SSS) before their 26th birthday, or have a Letter of Registration Exemption from the SSS. For more information, please visit the SSS website: ******************* If you are a retiree of the Florida Retirement System (FRS), please check with the FRS on how your current benefits will be affected if you are re-employed with the State of Florida. Your current retirement benefits may be canceled, suspended or deemed ineligible depending upon the date of your retirement. We hire only U. S. citizens and lawfully authorized alien workers. Our agency participates in the E-Verify System which is a federal government electronic database available for employers to use to verify the identity and employment eligibility of all persons hired to work in the United States. The Florida Gaming Control Commission is committed to increasing recruitment and hiring of individuals with disabilities and improving employment outcomes. The State of Florida is an Equal Opportunity Employer/Affirmative Action Employer, and does not tolerate discrimination or violence in the workplace. Candidates requiring a reasonable accommodation, as defined by the Americans with Disabilities Act, must notify the agency hiring authority and/or People First Service Center (***************. Notification to the hiring authority must be made in advance to allow sufficient time to provide the accommodation. The State of Florida supports a Drug-Free workplace. All employees are subject to reasonable suspicion drug testing in accordance with Section 112.0455, F.S., Drug-Free Workplace Act. VETERANS' PREFERENCE. Pursuant to Chapter 295, Florida Statutes, candidates eligible for Veterans' Preference will receive preference in employment for Career Service vacancies and are encouraged to apply. Certain service members may be eligible to receive waivers for postsecondary educational requirements. Candidates claiming Veterans' Preference must attach supporting documentation with each submission that includes character of service (for example, DD Form 214 Member Copy #4) along with any other documentation as required by Rule 55A-7, Florida Administrative Code. Veterans' Preference documentation requirements are available by clicking here. All documentation is due by the close of the vacancy announcement. Location:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: This job is responsible for managing, monitoring, and documenting credit risk for a portfolio of clients. Key responsibilities include monitoring changes in credit profiles, compliance with credit agreements as well as structuring and underwriting new financing solutions across the Global Banking and Markets product spectrum. Job expectations may include assessing risk solutions which adhere to the bank's risk appetite and risk strategies and coaching and leading team members. In Dealer Financial Svs, assigned as a market or industry level resource, the Credit Officer II is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions. The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing. Involvement with monitoring activities/approvals is also part of the responsibilities. The Credit Officer II maintains knowledge of other BofAML products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. The role is balanced between analysis of clients and prospects and their industries, design and execution of credit solutions, and the active management of asset quality. Client facing, the Credit Officer II collaborates with the Relationship Manager (RM), Treasury Solutions Officer (TSO), and other product partners, when needed, to assess client needs, design integrated solutions and deliver the bank to clients and prospects. Responsibilities: * Oversees and assesses the credit worthiness of borrowers based on due diligence findings, financial statement analysis, forecasting, analysis of company and industry risks, terms and conditions, and relationship profitability to provide high quality credit approval to Corporate Banking, Investment Banking, Global Markets, and Treasury * Exercises Delegated Approval Authority using sound judgment and expertise to make approval decisions for the business including new lending limits, structuring and negotiating deal terms, credit worthiness, annual reviews and renewals, risk ratings, and breach actions * Acts as a senior coverage team resource supporting ongoing credit matters and asset quality, maintaining adherence to the bank's risk appetite and risk strategies to mitigate losses while identifying opportunities to responsibly growing the loan portfolio * Leads new credit originations in coordination and collaboration with the coverage teams including Relationship Managers, Risk, Syndications, Treasury, and all other product partners * Negotiates and structures legal documentation related to loans and derivatives * Establishes appropriate internal risk ratings for clients and implements accurate adjustments throughout the client's credit life cycle * Trains, coaches, and mentors Credit Analysts and Associates * Serves as a key member of the Commercial Client Team in handling the clients financial needs, ensuring that the overall client experience is favorable, and that the bank is in a position to expand the relationship. Interacts with clients and prospects to understand their financial goals and objectives, current and future financial performance, and their needs and desires for their banking relationship * Working closely with the client team, the role of the Credit Officer in the credit process is the guidance and oversight of underwriting, structuring, and documentation of credit requests on an assigned portfolio * Includes an evaluation of the financial standing of the client or prospect and the appropriateness of the existing or proposed credit structure, and suggestion of any changes to help optimize the relationship * Underwrite and structure complex credit transactions with minimal oversight * Some travel time with face-to-face interaction with our dealer clients * Involved in the negotiation and closing process for transactions in portfolio * Oversees the monitoring of their assigned portfolio to maintain credit quality, and to ensure timely recognition and management of any changes via the use of the bank's proprietary risk rating tool, and the review of various compliance, exception and past due reports Required Qualifications: * Minimum of 7 years commercial credit underwriting an analysis with a commercial bank or OEM captive finance organization. * Strong knowledge and comprehension of loan and collateral documentation * Ability to accurately analyze borrower's financial picture and deliver a comprehensive risk analysis to manager and risk officers * Confidence and ability to develop an independent viewpoint and present a business case to support conclusions * Excellent relationship management skills, experience working in a team environment, ability to help influence constituencies with diverse views towards consensus * Coaching and mentoring skills * Strong Microsoft Office Skills Desired Qualifications: * Minimum of 10 years commercial credit underwriting and analysis with a commercial bank or OEM captive finance organization in the auto retail space. Direct customer-facing experience in a goal-oriented environment. * Bachelor's degree in Finance or Accounting Skills: * Analytical Thinking * Credit and Risk Assessment * Financial Analysis * Loan Structuring * Underwriting * Attention to Detail * Business Acumen * Financial Forecasting and Modeling * Research Analysis * Written Communications * Business Development * Collaboration * Critical Thinking * Portfolio Analysis * Stakeholder Management Shift: 1st shift (United States of America) Hours Per Week: 40

**This position is open to all Internal Associates within any office location of the Bank's footprint.** The Credit Analyst, Sr position provides high level analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships. A Senior CA will be expected to provide credit analysis support for assigned lending relationships. The position also provides mentoring and guidance to Client Specialists and other Credit Analysts as it relates to lending guidelines, and underwriting standards. The ideal candidate works well in a team-focused setting and is comfortable balancing competing priorities in a deadline driven environment. **Key Responsibilities Include** + Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I loans. + Work proactively to ensure production is prioritized appropriately and completed in a timely manner. Specific tasks include: financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank's commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank's commercial loan policy. + Participate in transaction structuring and relationship strategy meetings with management and credit partners to justify and explain information in the analysis when warranted. + Analyze and prepare complex credit approval documentation in FHB's commercial loan system. The senior analyst is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system. + Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines. + Participate in internal credit conversations with PM's, RM's Credit Risk Managers and senior management and in external meetings with clients and prospects. + Participate in or lead special projects and assignments and performs other duties assigned. + The successful candidate will demonstrate consistently high level of ownership of personal performance metrics and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, extreme level of detail and follow-through, and independence within the framework of the role in assisting in achieving business goals. + Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations **Qualifications Include** + Bachelor's degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience + 5 or more years of related experience in Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred + Familiarity with corporate credit products and the processes used to analyze financial data + Good fundamental understanding of general bank operations and the commercial lending process + Strong computer skills required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel + Experience with Salesforce or nCino applications is a plus + Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials and significant business partners + Ability to read, analyze and interpret financial reports and legal documents; performs simple to complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals **About Us** First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ******************** (https://urldefense.com/v3/\_\_https:/********************/\_\_;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6\_kmPxl66\_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$) . **Benefit Highlights** - Medical with wellness incentives, dental, and vision - HSA with company match - Maternity and parental leave - Tuition reimbursement - Mentor program - 401(k) with 6% match - More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits **Follow Us** Facebook (****************************************** X formerly Twitter LinkedIn (*************************************************** Instagram YouTube (********************************************************** Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. 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