Credit analyst jobs in Florida - 203 jobs

This position is embedded within the Syndications team and provides specialized credit expertise to support the origination, distribution, and management of syndicated loan transactions in the U.S. The role is responsible for evaluating primary and secondary loan opportunities, preparing comprehensive credit assessments, and ensuring transactions align with the organization's risk appetite and policies. This position requires strong analytical capabilities, familiarity with the syndicated loan market, and the ability to collaborate closely with internal stakeholders and Credit Department Managers. While the role has no direct supervisory duties, it supports the training and oversight of junior analysts. The individual must be fully proficient in all aspects of credit analysis, exercising sound independent judgment and advanced financial evaluation skills. All employees are responsible for complying with applicable regulations, including OFAC requirements. DUTIES & RESPONSIBILITIES Prepare detailed credit analysis reports for lending officers and Credit Committees, recommending approval or denial of credit facilities for institutional and corporate borrowers. Responsibilities include: Assigning appropriate loan codes. Verifying audit levels and financial reporting standards based on internal policy. Spreading financial statements and tax returns into the appropriate software. Analyzing financial ratios and trends. Reviewing peer comparisons and drawing meaningful conclusions. Running and analyzing third-party reports (e.g., credit bureau, D&B, rating agencies). Conducting background checks using OFAC, LexisNexis, public databases, and online searches. Requesting and reviewing credit references from other lenders. Confirming collateral positions through county and state public records. Preparing written credit analyses that present factual findings and well-reasoned opinions. Independently conduct industry research and prepare reports assessing portfolio exposure, sector risk, and market conditions. Ensure proposed and existing loans comply with internal credit policy guidelines. Provide assistance to Credit Analysts, Credit Managers, Credit Portfolio Managers, and senior credit leadership as needed. Participate in and support special projects assigned by Credit Managers or the Chief Credit Officer. Maintain ongoing communication with Lending Officers and Credit Department Managers, supporting new loan requests and renewals. Assist in training junior analysts, including instruction on financial spreading, ratio analysis, cash flow evaluation, peer comparisons, and qualitative risk assessment. Provide analytical and administrative support to Credit Managers, Portfolio Managers, and the Chief Credit Officer. DESIRABLE EXPERIENCE & SKILLS Minimum 3-4 years of prior credit training and experience, ideally within syndicated lending, corporate banking, or commercial credit. Strong proficiency in Microsoft Word and Excel; high accuracy and attention to detail Strong analytical skills, with the ability to conduct research, interpret financial data, and communicate findings clearly. Excellent written and verbal communication abilities. Strong time-management and organizational skills, with the ability to manage multiple transactions simultaneously.

About Crown: CROWN Cork & Seal USA, Inc., a wholly owned company of Crown Holdings, Inc. is a global leader in the design, manufacture, and sale of packaging products for consumer goods. At Crown, we are passionate about helping our customers build their brands and connect with consumers around the world. We do this by delivering innovative packaging that offers significant value for brand owners, retailers, and consumers alike. With operations in 39 countries employing approximately 23,000 people and net sales of approximately $12 billion, we are uniquely positioned to bring the best practices in quality and manufacturing to our customers to drive their businesses locally and globally. Sustaining a leadership position requires us to build a team of highly talented, dedicated, and driven individuals. Position, Duties and Responsibilities: Process customer payments (both internal and external) and ensure accurate application Maintain accurate records and documentation of payments and processes Communicate with customers and internal teams to resolve payment issues Reconcile accounts to general ledger Assist with month end closing processes Provide additional support within the Credit Department Manage unclaimed property files and 3 rd party reporting relationship BA degree in business, finance or accounting 5+ years of experience in accounts receivable or related financial role Excellent communication and interpersonal skills Ability to work independently and collaboratively within a team environment Strong organizational and time management skills to prioritize tasks effectively Proactive approach to problem-solving and a commitment to continuous improvement Proficient knowledge of Microsoft Office (Excel, Teams, Word, & Outlook) Experience with IBMi Position on-site at Crown's Tampa Headquarters (hybrid not available) In exchange for your talents, the position will offer a competitive base salary and Crown's Comprehensive Benefits plan is included. Career minded individuals will appreciate the opportunities for advancement provided to Crown employees. Interested? If so, take the next step and apply online.

BASIC FUNCTION: The Credit Analyst handles development and implementation of GABS and process improvements for the credit department. The Credit Analyst acts as a liaison between the company and outside entities including customers, credit reporting agencies, and legal counsel. The Credit Analyst also conducts the acquisition process in its entirety, as it relates to the department. The Credit Analyst supports the department during peak times and absences. Reporting to this position for A/R: 1. Credit approval authority limit, per order: $500,000 2. Account Receivable by Credit Analyst $75 Million 3. Part of the team managing $400M in company assets. 4. Provide credit services for assigned product lines or regions. NATURE AND SCOPE: Report directly to the Director of Credit, Collections, and Accounts Receivable along with Regional Credit Manager Rebar Fabrication (2), Accounts Receivable and Downstream Credit Manager, and Mills Credit Manager. In some cases, may report directly to Sr. Credit Analyst. Provide support and services for all US locations for credit, collections, and accounts receivable functions. Qualifications for this position include broad exposure to credit practices and procedures. Learning background and/or training experiences should be equivalent to that as may be demonstrated by a bachelor's degree in business from an accredited college or university combined with two years of experience is preferred. However, 1-3 years credit experience would be acceptable. Incumbent is required to work with Access, Excel, Power Point, and Word. Working knowledge with an ERP system is strongly preferred. Monitor, report progress, and lead process improvements; initiatives for all GABS and process improvement functions for Credit, Collections, and Accounts Receivable in US operations. Maintain, update, archive, and distribute all department GABS and process improvements statistics, with graphics as necessary. Conduct lockbox studies annually to ensure payments are being directed to proper lockbox for maximum efficiency. Assist in Department Training and Development initiatives such as Rebar Fabricating Contract Administration Seminars, given at RF Regional Sales Meetings. Credit Analyst verifies credit standing and credit extension from information in files and approves or disapproves credit, based on acceptable standards. Credit approval may be granted with certain restrictions, terms and parameters determined from investigative credit analyses applied within established guidelines. This position regularly works with credit reports, financial statements, credit interchanges, individual and inter-company guarantees, letters of credit, with exposure to bond regulations and types as well as lien laws. The Credit Analyst will also oversee follow-up on all collection litigation pertaining to the department. Additionally participate in Benchmarking and other activities of the Credit Research Foundation particularly standards, best practices pertaining to accounts receivable, collection, and credit functions. Actively participates in approximate credit associations and their seminar activity in order to establish a network and maintain functional credit communications. PRINCIPAL ACCOUNTABILITIES: Responsible for timely and accurate processing and reporting of accounts receivable. Responsible for maintaining accurate and current records, files, statements, notices, etc., as necessary for the ongoing integrity of account information. Responsible for all audit confirmations and verifications including internal, external and customer generated requests for verifications of balances. Responsible for proper, effective and efficient work methods. Responsible for carrying out company policy and programs. Responsible for credit investigation concerning the opening of new accounts. Responsible for setting up new accounts, including entering data into the system, establishing a physical credit file with appropriate documentation, and interface with the sales team regarding the status of the new accounts Responsible for efficient and effective credit investigation and approval, to ensure an acceptable range of risk and ultimate collect ability within a reasonable time. Responsible for timely collection of customer accounts. Responsible for assigning credit limits, updating account indicative information and monitoring accounts based on the latest information available. Responsible for division and management interface as it relates to status and condition of related receivables. Responsible for up to 15% travel to promote internal and external customer relationships and to meet additional company objectives. Responsible for filing pre-lien or bond application to protect rights on secured accounts and the analysis of lien releases. Responsible for cooperation with supervisors, departments and services to maintain coordinated efficiency of credit related operations in-house and externally. Responsible for keeping department apprised of the capabilities and uses of the credit/accounts receivable system (Lawson). GABS, 5S and other process improvement initiatives. Interfaces with internal & external and CIT auditors and compliance with Sarbanes-Oxley, as well as updating the Credit Department Policies, Procedures and Operations Manual.

Credit Analyst - To $85K - Fort Lauderdale, FL - Job # 3625Who We AreThe Symicor Group is a boutique talent acquisition firm based in Schaumburg, IL & Rockport, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent. In fact, most of our recruiters are former bankers or accountants themselves!We know how to evaluate the very best banking and accounting talent available in the market. Whether you are a candidate seeking a new opportunity or a bank or company president trying to fill an essential position, The Symicor Group stands ready to deliver premium results for you.The PositionOur bank client is seeking to fill a Credit Analyst role in the Fort Lauderdale, FL area. The position is responsible for the analysis of financial statements and other relevant factors that accurately assess the credit worthiness of new commercial credit requests and identifies and mitigates key risks. This individual will present findings and recommendations in concise written reports which focus on cash flow and ability to repay and include evaluation of collateral and appropriate structure and terms. The Commercial Credit Analyst performs ongoing reviews of the financial condition of existing commercial borrowers. The opportunity has a generous salary of up to $85K and a benefits package. (This is not a remote position).Credit Analyst responsibilities include: Responsible for preparing basis and comprehensive credit analyses on commercial loans that facilitates the credit approval process for use by loan officers or committees in the making of lending decisions regarding new, renewal, and extension loans. Thoroughly analyzes the most complex commercial credits. Analyzing factors such as income growth, margins, trends, quality of management, market shares, industry risks and collateral assessment. Submits credit approval documents to appropriate personnel for decision making. Analyze & create loan presentations for the commercial loan committee. Assist lenders in evaluating credit proposals and proper structure. Grade new and existing loans. Prepare financial projections and stress tests. Present financial information to the loan committee and vote on loan presentations. Prepare audits on commercial loans for documentation and credit exceptions, provide recommendations. Maintain a list of ongoing loan exceptions. Maintain a list of loans to be funded. Who Are You?You're someone who wants to influence your own development. You're looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future.You also bring the following skills and experience: Bachelor's Degree in a related field of study preferred specialized financial analysis training. Five or more years of experience as a Credit Analyst required. Experienced in preparing credit presentations. Able to manage/process/track annual reviews of the necessary credits. Thorough knowledge of current lending and loan review regulations and banking regulations, procedures, and operations. Proficient ability to analyze and interpret financial statements. Excellent written and verbal communication skills. Strong organizational skills with an eye for detail. Ability to multi-task. Adept with spreadsheet and word processing software as well as have experience working in a digital office environment. The next step is yours. Email us your current resume along with the position you are considering to:************************

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.

Are you ready for a career that will make a difference? As a Farm Credit team member, you will be a part of a cooperative that helps Florida farmers and ranchers with the necessary funding to provide the world with a stable, healthy, and sustainable food supply, as well as the environmental and economic benefits of horticulture. We recognize the vitality of Florida agriculture and take pride in serving as a resource to rural America. To ensure the continuity of this resource, it takes a staff with a diverse array of expertise. Our employees come from all walks of life, all around the world. Many of our employees started their careers with no agricultural background, while others are deeply rooted in the industry. Regardless of where your career has taken you, Farm Credit of Central Florida will provide you with the opportunities, tools, and resources to take you to where you want to go. Farm Credit of Central Florida supports rural communities and agriculture in 13 central Florida counties including, Polk, Citrus, Pinellas, Pasco, Hernando, Hillsborough, Lake, Sumter, Osceola, Orange, Seminole, Volusia and Brevard. Part of the nationwide Farm Credit System, the association loans funds for agricultural purposes, makes residential loans, and sells crop insurance. Over 1,200 borrowers have chosen Farm Credit of Central Florida as their lender of choice. Farm Credit of Central Florida provides over $1 billion in originated loans and other financial services to its member-borrowers. Farm Credit of Central Florida, a leading agribusiness lender seeks a Credit Analyst for our headquarters in Lakeland, Florida. This position works under the guidance of the Chief Credit Officer and Credit Analyst Manager, on transactions and relationships exhibiting varying levels of complexity, and may occasionally work on middle market and capital market requests. Specifically, this role will: • Analyze and evaluate financial statements and other related material for new loan requests in accordance with all policies, procedures, and regulations. • Perform timely review of servicing requests as needed. • Communicate as needed with loan officers and approvers to obtain additional information necessary for underwriting and/or provide status updates. • Prepare credit packages for presentation to the appropriate approval level, including formal presentations to loan committee. Credit packages will contain professional written narrative of the proposed transaction, evaluate the 5 Cs of Credit, assign a supportable risk rating, and adequately justify any exceptions to credit policy. • Potentially be assigned credit approval authority upon demonstrating proficiency in credit, regulatory, and internal practices and requirements. • Monitor and service accounts for compliance with loan and financial covenants within assigned relationships. • Demonstrate the ability to apply sound judgement and decision-making capabilities. • Attain a working knowledge of Farm Credit loan operating systems and develop an understanding of all company policies and procedures related to credit analysis, loan servicing, and risk management. • Ensure internal controls are adhered to in accordance with policies and procedures. • Act as a self-starter and to complete assignments with relative independence, in an accurate and timely manner. • Manage multiple assignments at once. MINIMUM REQUIREMENTS • Bachelor's degree in finance, accounting, or economics, or equivalent experience • Minimum 1-3 years of credit of financial analysis experience • Robust understanding of personal and business financial statements, 5Cs of Credit, loan structures, and GAAP • Proficient in Microsoft Excel • Excellent written and verbal communication skills • Ability to work in a fast-paced environment both independently and as part of a team • Must adhere to farm Credit of Central Florida's mission and core values. This role will be considered for a hybrid work schedule, with up to 2 days per week remote, after the incumbent achieves a high level of independence and productivity on assigned work.

OTC 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.

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. 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.

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions. We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here! SUMMARY/OBJECTIVES This position is responsible for, but not limited to, providing Credit Analyst Intake support through the receipt, review and analysis of Financial Statement Spread Requests submitted by Relationship Managers, Loan Assistants, and Portfolio Managers. This position will review the spread requests for accuracy, thorough documentation, and complexity. This position will also pull CLEAR Reports, input Borrowing Base Certificate and Marketable Securities information into nCino. Additional tasks may be required at the direction of the Director of Commercial Credit Analysts and/or the Director of Credit Services. ESSENTIAL FUNCTIONS This position is expected to perform the specific duties, tasks, and responsibilities as outlined below: Act as the Administrative processer for financial statement spread requests submitted by the Commercial Lending Team Accurate and thorough review and management of Financial Statement Spread Requests submitted to the Credit Analyst Team through nCino and Outlook emails Accurate and thorough review and input of Borrowing Base Certificate/Marketable Securities requests submitted to the Credit Analyst Team through nCino and Outlook emails Pull and upload CLEAR reports of relationships as submitted to the Credit Analyst Team through nCino and Outlook emails Ensure spread requests have been submitted with proper and complete documentation Assist in determining the complexity of the spread request at hand based upon review of the documentation provided Could occasionally process correspondence, files, records, and perform other specific duties for management and the Credit Services team Obtains additional information, as needed, to complete reports or gather information for internal or external audits as determined by management Successfully works with teammates to collectively assist the Commercial Credit Analyst team in stated objectives and tasks. Works to create a constructive workplace environment that expands positive culture and enhances the Bank's core values. Undertakes special projects related to job function as determined by the Commercial Credit Analyst Team Lead or the Director of Commercial Credit Analysts. Participates in community related activities. Ensures that the Bank's policies and procedures, code of conduct, and regulatory guidelines are strictly complied with. Provides aid to other employees by liaising with them through healthy and positive interactions. Continuously updates skills by participating in professional training and development. Seeks opportunities to improve skills through cross-training offered by the Bank. All other tasks, responsibilities, or duties, as directed by the Commercial Credit Analyst Team Lead or the Director of Commercial Credit Analysts. Aid other employees by liaising with them through healthy and positive interactions Be involved in performing marketing endeavors/efforts Continuously update skills by participating in professional training Seek opportunities to improve skills through cross-training offered by the Bank All other tasks, responsibilities, or duties, as directed by management Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Qualifications, Education, and Certification Requirements High school diploma or equivalent with knowledge of the commercial lending process and one or two years of secretarial/administrative experience Must be able to prepare documents and compose business letters and memorandums Proficient with general office machines and programs to include Microsoft Office Word, Excel, Outlook, and other software that might be utilized in the department Ability to use the computer efficiently and the capacity to learn new software programs as they are rolled out by the Bank Must have good knowledge of business English, including spelling and punctuation Must possess basic English language skills to write and speak clearly, and effectively with coworkers and customers Must be well-organized, accurate, and attentive to detail Must be cooperative and willing to assist coworkers and customers on a regular basis Must have effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others Must possess excellent multi-tasking skills and be able to function well under pressure Must be able to remain composed under pressure and respond to customer and coworker concerns regularly Must have a keen eye for detail and follow instructions to the letter Must be patient and willing to help others in solving problems while always maintaining a positive attitude TRAINING REQUIREMENTS/CLASSES New Employee Orientation Required Annual Compliance Training Various trainings provided by corporate training, credit staff to enhance knowledge of credit process Additional trainings as directed by the Director of Commercial Credit Analysts PHYSICAL DEMANDS Must be able to remain seated or work standing in a confined area on a computer for a minimum of four (4) hours each workday Must be able to constantly use hands and fingers to enter data through or on a computer or answer a phone throughout most of an eight (8) hour shift Must be able to hear and communicate with coworkers and customers throughout the day May need to lift to 25 pounds one to two times a day to perform job WORK ENVIRONMENT Must be able to function in a professional, business office environment and act and dress appropriately for same, consistent with the Bank's grooming and dress codes Must demonstrate excellent interpersonal skills with customers and coworkers Must be willing to function as a team member Must be willing to demonstrate commitment to the Bank's mission and goals Work Location: 1375 N Broadway Ave Bartow, Florida 33830 Equal Opportunity Employer, including disabled/veterans.

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions. We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here! SUMMARY/OBJECTIVES This position is responsible for, but not limited to, providing Credit Analyst Intake support through the receipt, review and analysis of Financial Statement Spread Requests submitted by Relationship Managers, Loan Assistants, and Portfolio Managers. This position will review the spread requests for accuracy, thorough documentation, and complexity. This position will also pull CLEAR Reports, input Borrowing Base Certificate and Marketable Securities information into nCino. Additional tasks may be required at the direction of the Director of Commercial Credit Analysts and/or the Director of Credit Services. ESSENTIAL FUNCTIONS This position is expected to perform the specific duties, tasks, and responsibilities as outlined below: * Act as the Administrative processer for financial statement spread requests submitted by the Commercial Lending Team * Accurate and thorough review and management of Financial Statement Spread Requests submitted to the Credit Analyst Team through nCino and Outlook emails * Accurate and thorough review and input of Borrowing Base Certificate/Marketable Securities requests submitted to the Credit Analyst Team through nCino and Outlook emails * Pull and upload CLEAR reports of relationships as submitted to the Credit Analyst Team through nCino and Outlook emails * Ensure spread requests have been submitted with proper and complete documentation * Assist in determining the complexity of the spread request at hand based upon review of the documentation provided * Could occasionally process correspondence, files, records, and perform other specific duties for management and the Credit Services team * Obtains additional information, as needed, to complete reports or gather information for internal or external audits as determined by management * Successfully works with teammates to collectively assist the Commercial Credit Analyst team in stated objectives and tasks. * Works to create a constructive workplace environment that expands positive culture and enhances the Bank's core values. * Undertakes special projects related to job function as determined by the Commercial Credit Analyst Team Lead or the Director of Commercial Credit Analysts. * Participates in community related activities. * Ensures that the Bank's policies and procedures, code of conduct, and regulatory guidelines are strictly complied with. * Provides aid to other employees by liaising with them through healthy and positive interactions. * Continuously updates skills by participating in professional training and development. * Seeks opportunities to improve skills through cross-training offered by the Bank. * All other tasks, responsibilities, or duties, as directed by the Commercial Credit Analyst Team Lead or the Director of Commercial Credit Analysts. * Aid other employees by liaising with them through healthy and positive interactions * Be involved in performing marketing endeavors/efforts * Continuously update skills by participating in professional training * Seek opportunities to improve skills through cross-training offered by the Bank * All other tasks, responsibilities, or duties, as directed by management Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Qualifications, Education, and Certification Requirements * High school diploma or equivalent with knowledge of the commercial lending process and one or two years of secretarial/administrative experience * Must be able to prepare documents and compose business letters and memorandums * Proficient with general office machines and programs to include Microsoft Office Word, Excel, Outlook, and other software that might be utilized in the department * Ability to use the computer efficiently and the capacity to learn new software programs as they are rolled out by the Bank * Must have good knowledge of business English, including spelling and punctuation * Must possess basic English language skills to write and speak clearly, and effectively with coworkers and customers * Must be well-organized, accurate, and attentive to detail * Must be cooperative and willing to assist coworkers and customers on a regular basis * Must have effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others * Must possess excellent multi-tasking skills and be able to function well under pressure * Must be able to remain composed under pressure and respond to customer and coworker concerns regularly * Must have a keen eye for detail and follow instructions to the letter * Must be patient and willing to help others in solving problems while always maintaining a positive attitude TRAINING REQUIREMENTS/CLASSES * New Employee Orientation * Required Annual Compliance Training * Various trainings provided by corporate training, credit staff to enhance knowledge of credit process * Additional trainings as directed by the Director of Commercial Credit Analysts PHYSICAL DEMANDS * Must be able to remain seated or work standing in a confined area on a computer for a minimum of four (4) hours each workday * Must be able to constantly use hands and fingers to enter data through or on a computer or answer a phone throughout most of an eight (8) hour shift * Must be able to hear and communicate with coworkers and customers throughout the day * May need to lift to 25 pounds one to two times a day to perform job WORK ENVIRONMENT * Must be able to function in a professional, business office environment and act and dress appropriately for same, consistent with the Bank's grooming and dress codes * Must demonstrate excellent interpersonal skills with customers and coworkers * Must be willing to function as a team member * Must be willing to demonstrate commitment to the Bank's mission and goals Work Location: 1375 N Broadway Ave Bartow, Florida 33830 Equal Opportunity Employer, including disabled/veterans.

FinTrust Connect has partnered with a community-focused regional banking institution to identify a skilled Credit Analyst specializing in Commercial Real Estate. This is a hybrid role based in Coral Gables, FL, ideal for a candidate who thrives on analyzing complex CRE transactions and supporting portfolio performance in a dynamic, deal-driven environment. Why this opportunity? Culture: Credit-first institution with collaborative deal teams and a focus on responsible lending practices Workplace: Hybrid in Coral Gables, FL Function: CRE underwriting and portfolio oversight for new originations, renewals, and ongoing risk management Requirements: Minimum of 5 years of experience underwriting CRE loans in a commercial banking environment Bachelor's degree and formal credit training program preferred Proficiency in financial statement analysis, loan structuring, and real estate valuation methods Experience with borrowing base certificates, appraisals, rent rolls, and third-party CRE reports Knowledge of regulatory guidelines and risk rating methodologies Strong Excel and credit modeling skills Description: Underwrite and structure commercial real estate transactions including acquisitions, refinances, construction loans, and extensions Participate in client meetings and internal credit discussions to assess risk, guide loan structure, and ensure compliance with policy Prepare credit presentations and submit recommendations to appropriate credit authorities Monitor ongoing CRE loan portfolios for financial covenant compliance, maturing debt, collateral performance, and reporting requirements Analyze borrower financials, appraisals, rent rolls, and third-party reports to validate underwriting assumptions and risk exposure Maintain accurate and timely internal reports including criticized asset monitoring and risk ratings Coordinate with relationship managers, risk officers, and asset managers to support deal execution and portfolio performance Contribute to special projects and portfolio reviews focused on CRE credit exposure and strategic risk management

Title Credit Intern Department Credit Job Status Internship - Temporary Compensation $20/hr Timeframe Summer 2026, 10 weeks May 18 through July 24 Holidays off: 5/25, 6/19 Schedule 30-40 hours per week, M-F 830am-5pm Deadlines Application period December 8, 2025 through January 9, 2026. Applicants selected for an interview will be notified Feb 9 - Feb 13. Our Company We build relationships- with each other, with our clients and with our community. At The Bank of Tampa, we are invested in you. By providing an inclusive, equitable and accessible environment, we learn from our differences and gain strength through the diverse perspectives and experiences of our workforce and our client base. Since first opening in 1984, The Bank of Tampa has focused on serving Tampa Bay professionals and owner-managed businesses, which has given us an insight into our community that other banks simply cannot match. Our lenders and their teammates use their deep understanding of the area to help our clients establish professional, cultural and social ties that benefit their businesses, their families, and themselves. Our support teams further enhance those relationships by providing personalized service with each interaction. We are committed to providing the highest level of banking services while nurturing a strong and lasting professional relationship that contributes to our client's success. Position Overview A Credit Internship at The Bank of Tampa is a highly competitive program. This 10-week, paid summer program is designed to provide you with an opportunity to join our Credit Department where you will be given opportunities for active learning, while being introduced to the fundamentals of banking. An appointed mentor will guide you through the experience. You will be provided with meaningful opportunities to apply learned concepts and skills via real-world assignments. Qualifications Must be 18 years or older. Recent college graduate or student entering their Junior or Senior year, pursuing a bachelor's degree in Accounting, Finance, Economics or business-related field from an accredited college or university. GPA of 3.2 or higher. Available to work all 10 weeks of the program. We're proud to be a community bank rooted in local partnerships, and we love welcoming interns from nearby colleges and universities. Students from these schools will receive priority consideration; however, all qualified candidates are welcome to apply. Attributes for Success Strong oral and written communication skills Analytical, organized and ability to learn quickly High degree of curiosity and enthusiasm for learning Collaborative spirit, upholds banks' ethics and protects clients' interest High level of professionalism Proficient in Microsoft Office Suite What to Expect First Day: Orientation, Welcome & Bank Overview Week One: Shadowing and learning about other key roles throughout The Bank of Tampa, with opportunities to network with department leaders and executives. 8 Weeks dedicated to your assigned department. You will be provided experiences to gain practical business skills, how to deliver superior client service, and learn about bank processes and procedures. Responsibilities: Prepares all required financial spreads using the Abrigo system. Completes global cash flows and assesses repayment ability on commercial loans. Works to understand the consumer underwriting standards. Shadows the credit operation team to understand the flow of credit documentation through the system. Communicates effectively with all levels of Bank staff and tailors communication (e.g. content, style and medium) to diverse audiences. Responds to client and co-worker needs in a timely and professional manner to accomplish daily tasks with minimal supervision while consistently meeting service standards. During the final week, will prepare and present a summary of the internship experience to leaders and executive team members. Last Week: Recap, review and sharing sessions. Additional opportunities for shadowing and learning about other key roles throughout The Bank of Tampa, with opportunities to network with department leaders and executives. An onboarding advisor will greet and prepare you for your internship experience, be your point of contact for any questions you may have and will remain connected with you for future opportunities at the bank. An assigned mentor will support and guide you throughout your internship. Primary Duties and Responsibilities Consistently delivers outstanding client service with a positive attitude and willingness to help at all times. Follows all bank policies and procedures. Willingness to ask questions. Maintains a position of trust and responsibility by keeping all client business confidential. Works in a team environment, interacting with co-workers and management in a professional manner. Takes detailed notes during training, shadowing and observing and refers to them as needed. During your last week, you will create a presentation that highlights your internship experience and share it with leaders and members of the executive team. Our Way Preserve and enhance our culture in which the values of honesty, integrity, confidentiality, trust and respect are the underlying principles by which we work. Make a meaningful difference in our community through our service and financial support Maintain a safe and sound institution that operates in conformity with the spirit as well as the letter of all applicable laws, rules and regulations, and to maintain open and forthright communication with our regulators THE BANK OF TAMPA IS AN EQUAL OPPORTUNITY EMPLOYER A DRUG FREE WORKPLACE E-VERIFY EMPLOYER

The Senior CRE Credit Analyst is responsible for conducting comprehensive due diligence, financial analysis, and underwriting of complex Commercial Real Estate (CRE) transactions, including acquisitions, construction, refinancing, and stabilized assets. This role involves preparing detailed Credit Approval Memorandums (CAMs), presenting recommendations to the Credit Committee, and ensuring all activities align with internal credit policies, OCC regulations, and strategic objectives. The analyst will work closely with relationship managers to structure credit terms, assess risk, and maintain a high-quality CRE portfolio. Although not a supervisory role, this position may assist in training junior analysts and supporting the Credit Manager and Chief Credit Officer. Key Responsibilities: Analyze borrower creditworthiness, property performance (NOI, DSCR), market trends, and collateral valuations. Prepare and present CAMs with thorough financial modeling, stress testing, and risk mitigants. Conduct annual and periodic loan reviews to ensure ongoing credit compliance. Collaborate with lenders to structure terms and provide recommendations for approvals or declines. Research and verify collateral, financial statements, and industry trends to assess portfolio exposure. Support and mentor junior analysts in financial analysis and underwriting techniques. Assist in refining underwriting standards and credit risk strategies. Qualifications: Bachelor's degree in Finance, Business, or Economics required; advanced degree preferred. 5-7 years of credit analysis experience, with strong CRE underwriting expertise. Proficiency in Excel and financial modeling; strong analytical and written communication skills. Experience across multiple property types (multifamily, office, retail, industrial, hotel). Knowledge of OCC regulations and commercial credit policy requirements.

Credit Analyst- Beverage Division About Crown: CROWN Cork & Seal USA, Inc., a wholly owned company of Crown Holdings, Inc. is a global leader in the design, manufacture, and sale of packaging products for consumer goods. At Crown, we are passionate about helping our customers build their brands and connect with consumers around the world. We do this by delivering innovative packaging that offers significant value for brand owners, retailers, and consumers alike. With operations in 39 countries employing approximately 23,000 people and net sales of approximately $12 billion, we are uniquely positioned to bring the best practices in quality and manufacturing to our customers to drive their businesses locally and globally. Sustaining a leadership position requires us to build a team of highly talented, dedicated, and driven individuals. Position, Duties and Responsibilities: Monitor and maintain assigned customer accounts in adherence to Crown policies Assist Sr Credit Manager with credit analysis for new and existing customers Develop and maintain positive relationships with customers to facilitate efficient collections and resolve payment disputes Investigate and resolve outstanding balance issues Monitor and manage shipment hold/releases Collaborate with business unit to resolve disputes/customer claims Respond to customer credit inquiries Provide additional support within Credit Department BA degree in business, finance or a related 5+ years' experience in credit, collections, and financial statement analysis Superior communication and interpersonal skills Ability to work independently and collaboratively within a team environment Well organized and detail-oriented with outstanding time management skills Strong analytical and problem-solving skills Effective organizational and time management skills to prioritize tasks effectively Advanced knowledge of Microsoft Office (Excel, Teams, Word, & Outlook) Experience with IBMi Position on-site at Crown's Tampa Headquarters (hybrid not available) In exchange for your talents, the position will offer a competitive base salary and Crown's Comprehensive Benefits plan is included. Career minded individuals will appreciate the opportunities for advancement provided to Crown employees. Interested? If so, take the next step and apply online.

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.

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