Credit analyst jobs in Franklin, TN - 410 jobs

Analyst III Schedule (FT/PT): FT Travel Required: Yes Shift: Day Remote Type: On-site Clearance required: Secret Division: Security Cooperation Who is ACT1 Federal? ACT1 Federal LLC is a 100% employee-owned company. We've served the Department of Defense (DoD) for nearly thirty years. Our core missions include weapon systems engineering, logistics, space domain expertise, global defense and security, business and financial management for security assistance and major defense articles, as well as military training and arctic security. Join us! Description: Provide program management support and recommendations for Army FMS systems. Support shall include the analysis of data based on the customer requirements; USASAC program policies and procedures; and the programmatic data obtained from the FMS Managers. Responsibilities: Review studies, reports and other correspondence to ensure data and conclusions are fully integrated with organizational programs, goals and strategies. Analyze patterns in order to make meaningful recommendations that will enhance efficiency, inform decision making and help shape strategies for organizational improvement. Assist Level I Analysts as needed to define and analyze problems and make recommendations. A minimum of six (6) years of technical or operations experience is required. Bachelor's Degree in such disciplines as Operations Research, Physical Sciences, Mathematics, Business/Finance, Accounting, Economics, Human Resource Management, Education, Social Science, Strategic Studies, Foreign Policy, International Studies, Political Science, Liberal Arts or other related disciplines from an accredited training institution. Active Secret Clearance required. Knowledgeable of industry trends and best practices for improving organizational efficiency and effectiveness. Extensive knowledge/experience w/ US Army Security Assistance enterprise with specific experience in Foreign Military Sales (FMS) activities is desired. Former US Army Logistician or Army Foreign Area Officer is desired. Medical/Dental/Vision Insurance ACT1 Employee Stock Ownership Plan (ESOP) Company Paid Life and AD&D Insurance Company Paid Short-Term Disability Voluntary Long-Term Disability Flexible Spending Accounts (FSA) Health Savings Account (HSA) 401K with employer match Paid Time Off Paid Holidays Parental Leave Military Leave Education, Training & Professional Development Voluntary Accidental Injury/Critical Illness/Hospital Care Voluntary Pet Insurance, Legal Resources, and Identity Protection ******************************** Our people-first culture prioritizes the benefits of flexibility and collaboration, whether that happens in person or remotely. * If this position is listed as remote or hybrid, you'll periodically work from a ACT1 Federal or client site facility. * If this position is listed as onsite, you'll work with colleagues and clients in person, as needed for the specific role. All qualified applicants will receive consideration for employment without regard to disability, status as a protected veteran or any other status protected by applicable federal, state, local or international law.

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

At ServisFirst, Our Name is Our Mission. DUTIES AND RESPONSIBILITIES The Credit Analyst is responsible for determining the creditworthiness of potential clients based on financial statements, borrowing history and market conditions. The analyst uses tools such as financial models, credit reports and key ratios to prepare appraisals which are provided for purposes of loan review and approval as well as to determine terms of the loan. The incumbent will: Conduct financial analysis and underwriting of credit for new loan requests and loan maturities Contact Loan Officers to request necessary financial information for analysis such as balance sheets, tax returns and financial statements Determine the strength and/or weakness of the client's credit to determine the terms of the loan Run reports that show past or current maturities and request necessary information Occasionally prepare underwriting/credit memos after collecting all financial information and circulating memos for approvals from the appropriate parties Generate/compile various monthly reports including but not limited to past due loans, maturing loans, collateral exception reports, outstanding appraisal fees, loan type summaries and internal credit administration reporting Generate/compile the board report and other various ad hoc reports as requested Track borrowing base and marketable securities Maintain and update nCino system Respond to subpoenas dealing with credit information Order appraisals, conduct appraisal reviews and serve as liaison for appraisal vendors Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job. Note: Additional duties and responsibilities may be assigned MINIMUM QUALIFICATIONS Bachelor's degree in Finance, Accounting or a related field Minimum two (2) years' experience in financial analysis, banking or a related field Excellent written and verbal communication skills Experience using Microsoft Outlook, Word and Excel Experience in a position requiring attention to detail and data analysis Excellent organizational skills and ability to multi-task Ability to work independently with little supervision Working knowledge of collateral instruments (i.e. letter of credit, UCC filings, and personal/corporate guarantees) RMA and/or Moody training is a plus PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS The physical requirements and environmental conditions of this position consist primarily of: Sustained standing and sitting Frequent use of PC, including typing or sustained attention to monitor Occasional lifting of basic office files or equipment up to 20 lbs Normal office environment with comfortable internal temperatures and low level noise EOE/AA

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! Job Title: CB Credit Specialist Location: Corporate Billing 239 Johnston St SE Decatur, AL 30305 Department: CB Credit Dept Ability to Telecommute: No - Location listed above only People Management: No - Individual Contributor Travel Required: No Position reports to: (Job Title and Name) CB Credit Manager Position Type: Full Time Hiring Manager: (if different from above) Date of most recent update: April 24, 2025 Job Description SUMMARY/OBJECTIVES A Credit Specialist is responsible for setting up new customer applications, verifying references, pulling credit reports. Position is also responsible for general administrative tasks of department. ESSENTIAL FUNCTIONS * Set up new applications on the system within established guidelines * Contact vendors for credit references via telephone, fax, and email * Research companies by utilizing the internet * Access credit reports for businesses and individuals * Create and update new client reports * Enter data into Cadence and CBCentral * Perform general office duties such as answering telephone and interacting with clients * Goal is to complete an average of 15 applications per day * Develop skills through cross-training with analysts in authorizations and approval of updates and new accounts as time allows * Special projects as assigned by manager COMPENTENTCIES * Excellent verbal and written communication skills are required as well as excellent customer relations skills * Must be proficient in Excel, Word, and Outlook and general office duties; experience using Cadence operating system is preferred * Must effectively manage workflow and assignments - appropriately prioritizing work. Attention to detail and accuracy is required Qualifications, Education, and Certification Requirements * High school graduate or equivalent is required * Prefer 2 years or more of credit experience * Excellent interpersonal skills, including leading a team for maximum operational performance * Excellent verbal and written communication skills are required as well as excellent customer relations skills * Must be able to function effectively as part of a team and must possess the ability to deal effectively and tactfully with clients/vendors * Must be proficient in Excel and Word and general office duties * Ability to multitask * undefined TRAINING REQUIREMENTS/CLASSES Required annual compliance training, New Employee Orientation 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 walk often throughout the day Must be able to hear and communicate with coworkers and customers throughout the day May need to lift-up to twenty-five 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 SouthState Bank's mission and goals The information below is to be updated by the HRBP and HR Compensation team only. Approved By: Choose an item. Dea Burger Date: February 26, 2025 Last Updated in Workday By: Choose an item. Dea Burger Date: Click here to enter a date. Job Code: CBLCSR Job Category: Choose an item. Job Title: CB Lead Client Services Rep Classification: Non Exempt Job Grade: Grade 15 Bank Grp/LOB: Corporate Billing Region Division: Cost Center: HRBP: Ralph Kerr Work Location: 239 Johnston St SE Decatur, Alabama 35601 Equal Opportunity Employer, including disabled/veterans.

HR Consulting Solutions, LLC is a national executive search firm that has been retained by River Valley AgCredit to conduct a search for a Credit Analyst to work alongside their team in Paducah, KY. Performs independent analysis of loan requests for the purpose of recommending approval, denial, or alternate structures while noting any deviations from loan policy. Assists in the development of procedures and processes to support the objectives of the position and provides analytical support to the lending team. PRIMARY WORK LOCATION Paducah, Kentucky REPORTS TO Credit Administrator SUPERVISORY RESPONSIBILITIES None MINIMUM EDUCATION AND EXPERIENCE Bachelor's degree (Master's preferred) in Finance, Accounting, Business, Economics, or a related field; or six to eight years of progressively responsible experience in credit analysis or commercial lending. Proven experience performing financial statement analysis, ratio interpretation, and cash flow evaluation for commercial or agricultural borrowers. Familiarity with agricultural finance, including farm operations, agribusiness, or rural lending, preferred. Excellent analytical, problem-solving, and organizational skills. Demonstrated knowledge of loan underwriting, credit structuring, and risk assessment principles. Strong understanding of lending policies, procedures, and regulations within the Farm Credit System or comparable financial institutions. Experience preparing detailed credit memorandums and written analyses for management or loan committees. Ability to analyze borrower performance trends, identify strengths and weaknesses, and make sound recommendations. Proficiency in Microsoft Excel and other financial modeling or data analysis tools, with a high degree of accuracy and attention to detail. Ability to communicate complex financial concepts clearly, both verbally and in writing, to internal and external stakeholders. PREFERRED QUALIFICATIONS Exceptional skills in judgment, leadership, initiative, and organization. Self-starter with the ability to make sound business decisions. Ability to assume responsibility with minimal supervision. Exercises initiative and makes decisions within the scope of assigned authority. Adapts to changes in the work environment and manages competing demands effectively. MINIMUM POSITION RESPONSIBILITIES Position responsibilities averaging approximately 40% of the workload: Analyze borrower financial statements, including performance ratios, to assess overall financial strength and identify trends or weaknesses. Prepare and review in-depth written credit analyses for relationships of varying size and complexity. Collaborate with loan officers to discuss alternative loan structures, overall assessments, and turnaround requirements. Position responsibilities averaging approximately 40% of the workload: Assist in managing the workflow of credit packages between loan officers and the credit decision process. Communicate effectively with loan officers to ensure timely, accurate, and complete submissions. Review loan packages to confirm they align with internal policies and the Credit Manual. Position responsibilities averaging approximately 20% of the workload: Conduct research on industry-specific information from external sources, including borrower discussions, publications, libraries, credit agencies, and online resources. Stay informed about agricultural and economic trends that may affect borrower creditworthiness. BENEFITS OF WORKING WITH US Competitive Salary Performance Based Bonus (Incentive Pay) Generous PTO (Vacation and Sick Time) 12 Paid Holidays Medical, Dental, and Vision Insurance 401K Retirement Benefits (3% automatic contribution plus up to 6% match; 9% total) Company Provided Life Insurance Disability Coverage QUESTIONS? Email [email protected] Job Type: Full-time Benefits: 401(k) 401(k) matching Dental insurance Employee assistance program Health savings account Life insurance Paid time off Professional development assistance Retirement plan Vision insurance We are an Equal Opportunity Employer and prohibit discrimination and harassment of any kind. Our company is committed to the principle of equal employment opportunity for all employees and applicants, providing everyone with a work environment free of discrimination and harassment. All employment decisions within our organization are based on business needs, job requirements and individual qualifications, without regard to age, race, color, religion, sex, gender, gender identity, sexual orientation, national origin, disability, veteran status, or any other status protected by the laws or regulations in the locations where we operate. We will not tolerate discrimination or harassment based on any of these characteristics.

Job Posting: For the past 10 years, Safe Step Walk-In Tub Company (a Ferguson company) has experienced unprecedented growth and have been overly committed to providing our customers with the industry-leading safety, comfort and independence they deserve. As the nation's top walk in tub/shower company, our products are made to the highest manufacturing standards available, and our customer service is unmatched. We call it the Safe Step Difference. If you're considering investing in your future, look no further to find out why the Safe Step Walk-In Tub Company is the only choice. We purposely employ dedicated team members that have a natural desire to provide life-changing service to our customer base across the US and Canada. Every day, we do our best, to give our best, to those deserving of the same. Overall Job Objective: The Credit Specialist will be managing a portfolio of process focused customer accounts. This is a Hybrid role based out of Nashville, TN, in accordance with the Safe Steps Flex schedule. Responsibilities: Manage customer portals for payment and handle a wide variety of credit and collection functions. Filing of liens. Handle sophisticated, large, or difficult credit accounts, ensuring positive customer relations and minimizing outstanding debts. Maintain consistency between credit and collection activities and the organization's overall customer relations strategy. Implement credit policies to maintain an acceptable risk level, prompt repayments, minimize losses, and efficiently collect payments. Contact customers regarding delinquent payments, prepare reports reflecting credit and collection status, and identify/address problem debts. Participate in associate meetings, communicate concerns to management, and spend time strengthening internal and external relationships. Support business and sales objectives through efficient performance of job responsibilities. Qualifications: 3-5 years of experience in credit management or similar roles. Strong written and verbal communication skills. Strong organizational skills with proven ability to work with a sense of urgency to meet deadlines. Demonstrated ability to negotiate with customers. Excellent attention to details with an ability to solve problems and think analytically. Proficiency in Microsoft Office software (Outlook, Word, Excel, PowerPoint, Access, etc.). At Safe Step Walk In Tub, we care for each other. We value our well-being just as much as our hard work. We are committed to a holistic approach towards benefits plans and programs that support the mental, physical and financial well-being of our associates. Our competitive offering not only includes benefits like health, dental, vision, paid time off, life insurance and a 401(k) with a company match, but our associates also enjoy additional meaningful and inclusive enhancements that are adaptable to their diverse situations and needs, including mental health coverage, gender affirming and family building benefits, paid parental leave, associate discounts, community involvement opportunities and more! - Pay Range: - $21.63 - $32.45 - Estimated Ranges displayed are Monthly for Salaried roles OR Hourly for all other roles. - This role is Bonus or Incentive Plan eligible. - Ferguson complies with all wage regulations. The starting wage may be higher in certain locations based on local or state wage requirements. - The Company is an equal opportunity employer as well as a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans and the requirements of 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability. Ferguson Enterprises, LLC. is an equal employment employer F/M/Disability/Vet/Sexual Orientation/Gender Identity. Equal Employment Opportunity and Reasonable Accommodation Information

Under the direction of the Director of Credit and Collections, the Credit Specialist is responsible for assisting with all assigned customer needs related to credit. The position monitors customer accounts to ensure they are within credit lines and terms, researches and reconciles accounts to resolve issues and contacts customers regarding past due invoices. Responsible for making credit recommendations. Duties and Responsibilities: * Monitor accounts receivable and payment patterns, proactively work with sales and management to ensure customers adhere to their credit line and terms * Reconcile accounts. Research issues by contacting sales person, plant, and customer to resolve issues, compile information to present to customer in a clear and concise manner * Based on research results, perform reconciling tasks such as issuing corrective invoices, entering accounting system adjustments, processing debit and credit memos etc. * Daily phone communication with plants, sales and customers to discuss claims, match customer debits to return authorizations, inform customer why claims may not be accepted, research short pays in order to verify/deny issue, write up claims for processing * Contact customers to collect past due invoices, resolve invoice issues, and provide proof of delivery * Participate in regular credit meetings with senior management * Travel to various plant locations or customer locations as circumstances dictate * Complete various clerical duties and special projects as needed * Obtain Dun & Bradstreet reports and supplier references on new customers and make recommendations on credit limit and terms as needed. * Other duties as required. Knowledge, Skills and Abilities: * Strong analytical problem-solving ability, including research to determine root causes * Excellent time management skills, including organization * Excellent communication skills, both internally and externally and ability to participate actively in meetings with Sr. Management * Self-starter with ability to work independently * Ability to recognize accounts starting to exhibit negative trends * Ability to meet deadlines and handle high volume * Must be a team player with excellent inter-personal skills * Proficient in Microsoft Office (particularly Excel) and Outlook Reasonable accommodations may be made to those who are able to perform the essential duties of the job. Education and Experience: An Associate's degree or higher in Accounting, Finance, Economics or a related field is preferred. Formal education may be substituted with experience and training when competency in the position is demonstrated. Working Conditions: This work is performed in an office setting with minimal to moderate noise due to computers, printers, and people. Steel Technologies is a safety-sensitive workplace. All employment offers are contingent upon results of a 10-panel drug screening, including marijuana. What we can offer: Insurance: * Affordable plans for medical, dental, vision, and wellbeing on the first day of the month following your start date * Employer-Paid dental with available Buy-up options * Free MDLive Telehealth Services through our Medical Plan * Competitive Wellness Program, providing up to 100% discount on medical premiums * Employer-Paid Short-Term and Long-Term Disability with Buy-up options * Supplemental Accident Insurance through Allstate for additional coverage on accidents, cancer, and long-term care * Employer-Paid Life Insurance * Teammate Assistance Program (TAP) which offers professional assistance for Counseling, Financial, Legal and Family services Work-Life Balance: * Paid Time Off * 9 Paid Holidays starting day one! * Bonus Paid Floating Holiday in recognition of the diversity of our team Financial: * 401(k) after 60 days of employment + competitive match up to 4.5% after one year * Pretax Health Savings Account * Pretax Flexible Spending Account * Paid bi-weekly * Quarterly bonus based on company performance Career Growth: * Tuition reimbursement is available for job related courses to further your education, with up 100% paid tuition for maintenance-related coursework and certifications * Skill Development Programs * Learning Management System * Promotional Opportunities Local Perks & Discounts: * Dress for your day! * Teammate referral bonus * Boot and Glasses Allowance after 60 days of employment * Teammates appreciation activities Steel Technologies is an equal opportunity employer and considers all qualified applicants without regard to any classification protected by federal, state and/or local law.

O'Neal Steel has an open position for Credit Analyst at our Corporate office in Birmingham, AL or Mobile, AL facility Responsible for credit decisions on assigned customers within approval authority limitations. For accounts outside credit limit scope, gather supporting credit information, analyze, and recommend credit exposure. Perform periodic credit reviews on assigned customers based on customer's risk profile. Handle complex customer issues which may involve payment analysis, deductions, etc. Assist in achieving or improving Team's stated collection and bad debt exposure objectives. Responsibilities Include But Are Not Limited To: Establish and maintain credit exposure for assigned customers or region up to approval limits - by determining, approving, and reviewing credit exposure to ensure that O'Neal is within acceptable business risk parameters. Ensure that credit analysis/decisions or customer requests are being handled in an expeditious manner. Act within the bounds of the credit policy. Analyze customer financial information whether from the customer or from third-party sources to determine a customer's financial strength and ability to pay. Refer accounts which may need additional security (such as letter of credit, personal guaranty, lien rights, etc.) to the Credit Manager and assist in obtaining such security items. Ensure that customer files are complete, up-to-date based on a customer's risk profile, and maintained in an electronic format. Ensure customers are set-up/updated on ERP system in an accurate, compete, and timely manner. Ensure that all additional security documents such as letters of credit, personal guarantees, lien documents, etc. are adequately safeguarded. Initiate the review of a current customer's credit needs by monitoring sales growth, payment terms, pending orders, etc. so that credit holds are in sync with reducing unfavorable business risk and not hampering the processing of orders for customers which are creditworthy. Develop close contact with customers and O'Neal Sales personnel to maintain good working relations, promote sales growth, and minimize business risk which will require direct contact with customers and Sales personnel and may require periodic customer visits as directed by the Credit Manager Initiate the collection of past due accounts for assigned customers (generally more complex in nature) and guide Collection Specialist in the collection of more routine accounts. Ensure that the collection efforts (which include bad debt recoveries) are being carried out in a timely manner by effectively using customer calls, correspondence, automated processes, third-party collectors/attorneys, etc. Research and resolve customer deductions and/or disputes. Assist the Credit Manager with the hand-off of delinquent customer accounts to third-party collectors or attorneys and monitor such collection efforts. Assist Team in meeting or beating established key performance indicators (KPI's) and other benchmarks or objectives; and when necessary, assist Credit Manager in initiating steps to improve such performance. Assist Credit Manager in credit/collection reporting. Assist other team members or credit teams as requested by the Credit Manager. Attend and participate in O'Neal Credit meetings and credit association meetings, as directed by the Credit Manager. Embrace LEAN initiatives to seek continuous improvement which will add value for our customers, will lower costs, and will improve efficiencies. Release credit holds upon satisfaction of a customer's creditworthiness, payment plan, etc. Recommend the write-off of customer accounts which have exhausted reasonable collection efforts in accordance with the Credit Policy. Knowledge, skills, and abilities (required for consideration): Above average verbal and written communication, analysis and interpretation, interpersonal, motivation, negotiating, organization, problem solving, judgment and decision making. Well versed with personal computer applications (Excel, Word etc.) Conversational English Concentration and productivity in high pressure situations Sedentary work, fingering, grasping, talking, hearing, and repetitive motions. Not substantially exposed to adverse environmental conditions Credentials and experience: Bachelor's degree or Associate's degree in Accounting, Finance, or Business Administration or equivalent experience Minimum 3 years of Credit or equivalent business experience with increasing levels of responsibility commensurate with responsibilities described above. Understanding of credit risk, financial statements, and collection practices. Desirable qualifications (may be learned or earned on the job): JD Edwards/One World Microsoft Office/Microsoft Dynamics Cforia Special requirements: Some overnight travel may be required Upon offer of employment, candidates must pass a criminal background check and drug test. Benefits: O'Neal Steel offers a competitive salary and a comprehensive benefits package including, but not limited to: Health, Vision and Dental Insurance Work Site Wellness Programs Health and Dependent Care Flexible Spending Accounts Short-Term and Long-Term Disability Coverage Tuition and Health Club Reimbursement Accidental Death and Dismemberment and Life Insurance Adoption Assistance Training and Development Opportunities 401k About Us: With more than 100 years in business, O'Neal Steel, an O'Neal Industries affiliate, supplies a wide range of carbon and alloy steel, stainless steel, and aluminum products for companies nationwide. Founded in 1921 and headquartered in Birmingham, Alabama, O'Neal Steel has 19 strategically located distribution centers throughout the country that offer inventory and value-added processing capabilities tailored to market needs, all while providing high levels of customer service. O'Neal Steel's industry-leading online platform, PRONTO , provides continuous access to inventory, pricing, ordering, and account management.

Oakworth Capital Bank is expanding and has an excellent opportunity for someone to join our team in Birmingham, AL! We are looking for a full-time Credit Analyst that will join the Credit Team and work in a collaborative environment to assess risk with any new or existing client & manage commercial credit risk. We are looking for an analyst that will work well with other bank associates across all departments, is confident in their ability to think creatively and provide sound credit structure insight to client advisors and managers as well as provide support across all areas of the bank's credit and risk departments. An ideal candidate would meet the qualifications listed below, and more importantly, be able to demonstrate that they live by Oakworth Core Values (G olden Rule, Character, Innovative Spirit, Professionalism, Work Ethic ). Key Roles/Responsibilities: Underwrite business and personal loan requests, identify key issues, offer mitigants as needed, discuss with client advisors and team leaders. Assemble loan approval packages for review and be able to articulate an argument for or against. Manage ongoing credit risk in existing loans via ongoing business and personal financial analysis, construction project monitoring, industry reviews, Loan Review or Examiner suggestions. See that credit policies are adhered to or point out deviations thereon with proper notices and approvals put to file. Assist loan operations with review of loan documents such that all loans are documented within the boundaries of their previously approved terms. Responsibility Details: Ability to analyze and interpret financial statements, tax returns for corporate and individual clients. Ability to conduct cash flow analysis, global cash flow analysis, and interpret balance sheet and income statement performance ratios. Contacts banks, trade and credit associations, salespeople, and others to obtain credit information. Studies economic trends in firm's industry or branch of industry to predict probable success of new client. Evaluates results of investigations, prepares reports of findings, and suggests credit limitations to management. Maintains database of client credit histories. Provide ongoing maintenance of a loan portfolio including, but not limited to ensuring financial information is up to date, testing of financial covenants, and aiding in the risk management of the bank's asset-based credit facilities. Assist loan operations with review of loan documents pre-closing and assist client advisors in discussions with closing attorneys. Successful candidates will have: Bachelor's degree (B A.) or equivalent; and three to five years of related experience. Financial statement spreading experience preferred. Ability to be flexible to be responsive to issues and problem solve. Excellent written and verbal communication - ability to professionally interact with associates and clients. Advanced knowledge and understanding of loan products, credit policies and procedures and federal regulations are desired. Ability to thrive in a team environment and collaborate well with other Credit Analysts & Associates to meet all client needs and strategic objectives. Oakworth has been recognized as a Best Bank to Work for by American Banker Magazine for the last eight years, with six of those holding the top spot & ranking #2 in 2024. To learn more about our story and what makes Oakworth unique, visit ************************** If you are interested in this excellent opportunity, please send your resume to *************************. Equal Employment Opportunity Oakworth is committed to a policy of equal employment opportunity for all associates and applicants in accordance with applicable federal, state, and local law. Accommodations for Applicants Accommodations are available upon request for applicants who may need support during the hiring process. If you would like to request an accommodation, please contact ******************* and we will be glad to assist. #LI-DNI

What We Need Corpay is looking to hire a Credit Analyst III within our Finance division. This position falls under our Corpay line of business and is located in Brentwood, TN or Atlanta, GA. In this role, you will be responsible for reviewing and processing all new account applications across various business lines, as well as will help in gathering financial statements from customers for annual credit reviews. You will report directly to the Director of Credit and collaborating with internal teams such as sales and applicant management teams. How We Work As a Senior Credit Analyst, you will be expected to work in a hybrid environment. Corpay will set you up for success by providing: Assigned workspace in Brentwood, TN or Atlanta, GA. Company-issued equipment Formal, hands-on training Role Responsibilities The responsibilities of the role will include: Approving or declining new commercial credit limits up to assigned authority. Making credit recommendations for senior management regarding credit extensions. Analyzing applicant financial status and credit for feasibility of commercial credit approval. Verifying agreements for accuracy and completeness according to policies. Communicating with the applicant's management team regarding financial performance. Collaborating with sales teams to find credit alternatives that balance gaining new business while minimizing risk. Reviewing existing accounts for credit extensions on new products, including identifying high-risk accounts. Interviewing CFOs and CEOs to assess their financial standing and make well-informed decisions. Delivering negative decisions respectfully and providing clear explanations. Maintaining accurate reviews and reports of unsecured credit accounts on a regular basis (annual, semi-annual, or quarterly). Assisting Credit and Collections Managers with problem accounts. Making recommendations to senior management regarding high-risk accounts. Handling complex unsecured credit requests independently. Qualifications & Skills Bachelor's Degree in Finance or a related field such as Accounting or Business. 3 years of Credit Analyst experience in a B2B sales environment. Strong knowledge of commercial credit principles and financial statement analysis. Ability to project trends based on customer history and industry outlook. Strong organizational, communication, and negotiation skills. Attention to detail and ability to manage multiple assignments. Ability to work in a fast-paced environment with composure and accuracy. Strong customer service skills with the ability to resolve issues quickly. Skilled in Microsoft Word, Excel, and PowerPoint. Experience in customer negotiations and payment plan creation. Benefits & Perks Medical, Dental, & Vision benefits available from the 1st month after hire 401k plan (subject to eligibility requirements). Monthly home internet stipend (for remote employees). Robust PTO offerings including major holidays, vacation, sick, personal, and volunteer time. Employee discounts with major providers (i.e., wireless, gym, car rental, etc.). Equal Opportunity/Affirmative Action Employer Corpay is an Equal Opportunity Employer. Corpay provides equal employment opportunities to all employees and applicants regardless of race, gender, religion, national origin, disability, age, sexual orientation, veteran status, or any other group status protected by law. If you require reasonable accommodation for the application and/or interview process, please notify a representative from our Human Resources Department. LI-PF1 LI-Corpay

The Credit Analyst works with our Commercial Lenders and Business Bankers to serve the needs of our commercial clients. This individual will work with our Commercial Lenders to manage existing commercial clients and develop new relationships. A key part of the Commercial Lending Team, the credit analyst helps usher loan requests through the approval process. This position must adhere to all Bank policies, procedures and compliance regulations. DUTIES Analyzing financial reports, business plans, projections, and industry reports to understand customer/prospect credit-worthiness. Preparing written narratives describing borrowers' current financial condition and future outlook. Assisting lenders with daily credit monitoring tasks and monthly credit review. Reviewing covenant compliance for all commercial borrowers. Completing annual reviews on borrowing customers and reviewing ACH/ETL limits. Reviewing credit proposals for loan committee for accuracy and for continuing education. Participating in credit training opportunities. Accompanying lenders on customer/prospect visits to improve credit analysis understanding and to learn business development techniques. Qualifications Bachelor's degree in Business, Business Administration, Finance or Accounting is required. At least one year of work experience in banking, financial analysis, or a related field is required. Working understanding of accounting concepts and how they apply to businesses is required. Preferred Qualifications 1-3 years of financial analysis or banking is preferred. Confidence and competency in oral and written presentation is preferred. A quick learner with the ability to self-direct on important tasks with little to no direction is preferred. Excellent computer skills including, MS Word, Excel, and PowerPoint. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, gender identity, gender stereo typing, and age. Independent Bank is an EO/AA Employer M/F/Vets/Disabled

Location: On site in Memphis, TN, Atlanta, GA, Nashville, TN, Charlotte, NC, New Orleans, LA, or Dallas, TX The Credit Analyst will work directly with the deal team in analyzing, underwriting and monitoring all credit facilities within their portfolio. As a Credit Analyst, the individual will learn the basics of deal making and loan structures while being exposed to other departments within the Bank. The Credit Analyst is an excellent first position in banking that paves the way to numerous other opportunities within First Horizon including sales, credit, relationship management, loan review or other similar positions. Work with the Portfolio Manager (PM) and Relationship Manager (RM) in completing at least 80% of the credit analysis. The credit analysis is Commercial Banking's primary document for analyzing and underwriting all new and outstanding loans. The credit analyst performs an in depth analysis on the borrower's ability to repay focusing on the company and owner's background, recent and historical financial performance, guarantor's (if applicable) financial condition, collateral performance, risk rating, risk-adjusted return on capital, and several other factors related to First Horizon's underwriting policies and guidelines. Duties and Responsibilities: Work directly with PM, RM and clients to address needs efficiently and accurately Spread financial statements Provide advanced analysis in assessing and evaluating current and new business opportunities Interact with clients and LOB leaders through email, phone conversations, field exams, bank group meetings, etc. Project manage complex credit requests and analyses and see them through to completion Identify emerging industry trends and proactively monitor the risk in the current book of business Attend credit meetings and learn to properly present modifications and new to bank opportunities to internal credit partners for final approval Knowledge and Skills: Critical thinker possessing superior analytical abilities with the ability to reach logical conclusions based on the available information Microsoft Office: Strong excel and presentation building skills Ability to manage multiple projects, while maintaining high attention to detail Self-starter attitude Flexibility and proven ability to diagnose and resolve issues Intellectually curious, ability to think outside the box, assertive Hard working, smart, creative, analytical, driven, exceptionally organized Strong communication skills and results driven Ability to work and excel in a team environment Education: Bachelor's degree (BBA or BS) in Accounting, Finance, or a closely related field. Exceptional educational background required CFA or CPA candidates preferred 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 ********************* 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

O'Neal Steel has an open position for Credit Analyst at our Corporate office in Birmingham, AL or Mobile, AL facility Responsible for credit decisions on assigned customers within approval authority limitations. For accounts outside credit limit scope, gather supporting credit information, analyze, and recommend credit exposure. Perform periodic credit reviews on assigned customers based on customer's risk profile. Handle complex customer issues which may involve payment analysis, deductions, etc. Assist in achieving or improving Team's stated collection and bad debt exposure objectives. Responsibilities Include But Are Not Limited To: * Establish and maintain credit exposure for assigned customers or region up to approval limits - by determining, approving, and reviewing credit exposure to ensure that O'Neal is within acceptable business risk parameters. * Ensure that credit analysis/decisions or customer requests are being handled in an expeditious manner. * Act within the bounds of the credit policy. * Analyze customer financial information whether from the customer or from third-party sources to determine a customer's financial strength and ability to pay. * Refer accounts which may need additional security (such as letter of credit, personal guaranty, lien rights, etc.) to the Credit Manager and assist in obtaining such security items. * Ensure that customer files are complete, up-to-date based on a customer's risk profile, and maintained in an electronic format. * Ensure customers are set-up/updated on ERP system in an accurate, compete, and timely manner. * Ensure that all additional security documents such as letters of credit, personal guarantees, lien documents, etc. are adequately safeguarded. * Initiate the review of a current customer's credit needs by monitoring sales growth, payment terms, pending orders, etc. so that credit holds are in sync with reducing unfavorable business risk and not hampering the processing of orders for customers which are creditworthy. * Develop close contact with customers and O'Neal Sales personnel to maintain good working relations, promote sales growth, and minimize business risk which will require direct contact with customers and Sales personnel and may require periodic customer visits as directed by the Credit Manager * Initiate the collection of past due accounts for assigned customers (generally more complex in nature) and guide Collection Specialist in the collection of more routine accounts. * Ensure that the collection efforts (which include bad debt recoveries) are being carried out in a timely manner by effectively using customer calls, correspondence, automated processes, third-party collectors/attorneys, etc. * Research and resolve customer deductions and/or disputes. * Assist the Credit Manager with the hand-off of delinquent customer accounts to third-party collectors or attorneys and monitor such collection efforts. * Assist Team in meeting or beating established key performance indicators (KPI's) and other benchmarks or objectives; and when necessary, assist Credit Manager in initiating steps to improve such performance. * Assist Credit Manager in credit/collection reporting. * Assist other team members or credit teams as requested by the Credit Manager. * Attend and participate in O'Neal Credit meetings and credit association meetings, as directed by the Credit Manager. * Embrace LEAN initiatives to seek continuous improvement which will add value for our customers, will lower costs, and will improve efficiencies. * Release credit holds upon satisfaction of a customer's creditworthiness, payment plan, etc. * Recommend the write-off of customer accounts which have exhausted reasonable collection efforts in accordance with the Credit Policy. Knowledge, skills, and abilities (required for consideration): * Above average verbal and written communication, analysis and interpretation, interpersonal, motivation, negotiating, organization, problem solving, judgment and decision making. * Well versed with personal computer applications (Excel, Word etc.) * Conversational English * Concentration and productivity in high pressure situations * Sedentary work, fingering, grasping, talking, hearing, and repetitive motions. Not substantially exposed to adverse environmental conditions Credentials and experience: * Bachelor's degree or Associate's degree in Accounting, Finance, or Business Administration or equivalent experience * Minimum 3 years of Credit or equivalent business experience with increasing levels of responsibility commensurate with responsibilities described above. * Understanding of credit risk, financial statements, and collection practices. Desirable qualifications (may be learned or earned on the job): * JD Edwards/One World * Microsoft Office/Microsoft Dynamics * Cforia Special requirements: * Some overnight travel may be required Upon offer of employment, candidates must pass a criminal background check and drug test. Benefits: O'Neal Steel offers a competitive salary and a comprehensive benefits package including, but not limited to: * Health, Vision and Dental Insurance * Work Site Wellness Programs * Health and Dependent Care Flexible Spending Accounts * Short-Term and Long-Term Disability Coverage * Tuition and Health Club Reimbursement * Accidental Death and Dismemberment and Life Insurance * Adoption Assistance * Training and Development Opportunities * 401k About Us: With more than 100 years in business, O'Neal Steel, an O'Neal Industries affiliate, supplies a wide range of carbon and alloy steel, stainless steel, and aluminum products for companies nationwide. Founded in 1921 and headquartered in Birmingham, Alabama, O'Neal Steel has 19 strategically located distribution centers throughout the country that offer inventory and value-added processing capabilities tailored to market needs, all while providing high levels of customer service. O'Neal Steel's industry-leading online platform, PRONTO, provides continuous access to inventory, pricing, ordering, and account management.

Job Title: Credit Analyst Summary of Duties and Responsibilities: In your role as Credit Analyst, you will assist loan officers by assessing the financial condition and repayment capacity of business customers, as well as assisting with loan application preparation. Using a strong attention for detail, you will analyze financial statements to assess the strengths and weaknesses of a borrower's historical operating performance and to include significant changes in the financial statements of the customer and identify trends in the statements. What You'll Do: A Day in the Life- Your focus will include analyzing borrowers and/or industries, as you work to complete Credit Applications accurately, inclusive of collateral analysis. You will stay current on industry trends through researching industry specific information from outside sources such as industry publications, government agencies, and the Internet for the purpose of assisting loan officers with understanding financial information. You will maintain strong relationships with loan officers as you collaborate with them to communicate financial information about the borrower in order to facilitate an informed credit decision, explain industry specific complexities to help them understand the borrower's financial condition, share insights to the market conditions that affect the borrower's business or industry, and document compliance with policies and procedures, including but not limited to adherence to analysis and reporting deadlines. You participate in corporate and individual projects, and so much more! What it Takes: 2+ years in commercial lending environment as a credit analyst, loan officer or related experience Bachelor's degree in Finance, Accounting or Economics, or related field Knowledge and experience with: analyzing economic trends of commercial and agricultural business, proficiency in reading financial statements (i.e., compilations, reviews, audits, and governmental financial statements), the organization of personal, corporate, and partnership tax returns Skills in: analyzing data, organizing, clarifying, explaining, listening, time management and coaching others Proficient with Microsoft Office Suite, including advanced Excel knowledge and daily use. What we can offer you: Medical, dental, vision, STD, LTD, Life insurance, etc. 17 days paid time off, 11 paid holidays and bereavement leave Education assistance program Wellness benefits Life event coverage Service awards Financial benefits including 401(k) match, stock purchase plan and more Great deals on both national and local discounts on everything from computers and vacations to phones and retail shopping This position will be located at: 313 Frederica St Owensboro, Kentucky, 42301 United States About Us: German American Bancorp, and its family of financial services companies employ talented, compassionate people throughout the organization, truly making our Company special. Delivering genuine, customized, personal service with a focus on truly serving customers and communities well, our employees bring the Shield of Excellence commitment to life with each and every interaction.

Our Principles and Values: Manchester Tank has a proud heritage of hard-working people, who for over 75 years have manufactured high quality products for our country and the world. The McWane/Manchester Way Compass is provided as a personal guide to help team members navigate through situations they encounter daily at work and includes eight core principles to guide our team members: Communication, Safety, Environment, Leadership, Trust, Excellence, Accountability, and Teamwork. All team members are expected to know these principles, values, and behaviors. Our Compass Points ensure higher levels of safety and environmental performance in all our operations. It also improves communication, relationships, and work performance at all levels of our organization. Manchester Tank is an equal opportunity employer committed to providing equal employment opportunity in all employment practices. Manchester Tank will not discriminate against any applicant for employment because of their race, color, religion, sex, national origin, age, sexual orientation, disability, veteran or service member status, marital status, citizenship status (In IL - sex, including same sex, ancestry, order of protection status, physical or mental disability, military status, pregnancy, unfavorable discharge status, genetic information), (In IA - gender identity), (In CA - gender identity or expression, and genetic information) or any other category protected by federal, state or local law. Review and assess customer credit applications to determine creditworthiness Monitor outstanding balances and follow up on overdue accounts Conduct financial analysis and risk assessment for potential and current clients Negotiate payment arrangements and settlements with delinquent customers Collaborate with internal teams such as sales, finance, and customer service to resolve payment issues Maintain accurate records of all credit and collection activities Ensure compliance with internal policies and external regulations Qualifications Bachelor's degree in Finance, Accounting, Business Administration, or a related field. Would consider experience in lieu of degree. Minimum of 2-3 years of experience in credit and collections or a similar role Proficiency in Microsoft Office Suite. Strong understanding of financial statements and credit/collection techniques and practices Proficiency in using financial software and ERP systems. Microsoft D365 a plus. Excellent negotiation and interpersonal skills Strong analytical and problem-solving abilities Ability to handle high volumes of work and meet deadlines Experience working with various credit reporting agencies. Strong attention to detail and accuracy Excellent verbal and written communication skills Ability to work independently and collaboratively in a team environment Strong organizational and time management skills Additional Information All your information will be kept confidential according to EEO guidelines. Please note this is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. McWane is a Federal VEVRAA contractor, and an Equal Opportunity Employer committed to providing equal employment opportunity in all employment practices. McWane will not discriminate against any applicant for employment because of their race, color, religion, sex, national origin, age, sexual orientation, disability, veteran or service member status, marital status, citizenship status (In IL - sex, including same sex, ancestry, order of protection status, physical or mental disability, military status, pregnancy, unfavorable discharge status, genetic information), (In IA - gender identity), (In CA- gender identity or expression, and genetic information) or any other category protected by federal, state or local law. Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. McWane is a Federal VEVRAA contractor, and an Equal Opportunity Employer committed to providing equal employment opportunity in all employment practices. McWane will not discriminate against any applicant for employment because of their race, color, religion, sex, national origin, age, sexual orientation, disability, veteran or service member status, marital status, citizenship status (In IL - sex, including same sex, ancestry, order of protection status, physical or mental disability, military status, pregnancy, unfavorable discharge status, genetic information), (In IA - gender identity), (In CA- gender identity or expression, and genetic information) or any other category protected by federal, state or local law.

Why Silverton Mortgage:• We are a people first organization that was voted a top place to work by the Atlanta Journal and Constitution and the Financial Services Industry• We believe in giving back and we do so through The Silverton Foundation• Our strong communication skills drive customer satisfaction• We offer extensive product lines and maintain an in-house loan process that offers a competitive edge• We have fun! Work Style: Hybrid (3 days/week in-office) Location: Brentwood, TN Pay: The expected hiring range for this position is from $85,000 - $105,000 year plus additional bonus opportunity. The stated hiring range is based on experience, qualifications, and other relevant factors. Final compensation decisions will take into account a variety of considerations, including individual skills, internal equity, and organizational needs. JOB SUMMARY The Sales Operations Analyst - Sales role exists to provide full support for the VP of Sales and other Sales leaders at Silverton Mortgage. This role is heavily focused on cultivating and managing relationships with the Clayton Properties Group and its Builders. The Sales Operations Analyst enhances the VP of Sales effectiveness by providing project and information management, planning, follow-up, and reporting. This role will gather data, identify trends, and recommend strategies to optimize mortgage sales processes, improve profitability, and meet business objectives to give the VP of Sales time to focus on strategic initiatives and high-level decision making. JOB FUNCTIONS Business Process & Reporting Works directly with the VP of Sales to support company vision in business operations, process improvements and optimization for the Sales team. Oversees day-to-day business operations and ensures they run smooth and efficient by monitoring communications, team processes and practices, facilitating meetings, attending meetings on behalf of the VP, providing oversight or information on department initiatives, monitoring budget on projects/initiatives, facilitating collaboration between departments, etc. Manages process improvements for maximum clarity, efficiency, and success (e.g., automating workflows for routine tasks such as document collection and verification or escalation processes or streamline lead verification process). Analyze Sales data, identify trends (e.g., underperforming areas) and create reports with recommendations for Sales leadership. Serves as a reliable resource to implement, develop, and provide communications regarding action plans for the Sales organization, as well as the overall Company strategic focus. Implement analytic tools to track performance and generate actionable insights for operations teams (e.g., marketing campaigns, capital market sales). Enforces successful implementations across multiple functions within the Company. Identifies skill gaps and consults with leadership for process improvement. Creates custom reports using existing reports or pull raw data and format it, review it and drive decision on next steps; participate in quality assurance testing to verify if data is correct or if an error exists and addresses it with the appropriate party. Initiatives & Project Support Leads projects and initiatives as requested by VP of Sales and ensure they are completed on time and within budget. Directs and manages projects with specific focus on deliverables, risk factors, delays, impacts, tasks, and due dates. Compiles reporting and analytics for Executive review related to project progress and completion for large projects. Outlines project plans, outcomes, and/or risks to Ops and Executive Team; share results upon completion in a timely manner. Partners on ad-hoc projects/task requests in different areas within the Company when they impact Sales team. Identifies risks to implementing initiatives or on projects and discuss mitigation opportunities with VP of Sales; helps implement mitigation plans with VP of Sales. Communications & Change Management Keeps the VP of Sales advised of time-sensitive and priority issues, ensuring appropriate follow-up. Implement, develop, and provide communications regarding action plans for the overall Company strategic focus. Partners with Executive Leadership & Training Management to create tools and ideate ways to accelerate team member productivity, speed, and accuracy. Identifies skill gaps and consults with Sales leadership for process improvement. Partners with other departments and leaders to ensure successful implementations as the Sales team representative. Maintains professional and technical knowledge by attending educational workshops, reviewing professional publications, and establishing personal networks. QUALIFICATIONS Education: High School Diploma or equivalent experience required Years of Related Experience: 5+ years of experience assisting Executives or working in Sales or Mortgage Lending. Knowledgeable in multiple disciplines in mortgage lending (technology, accounting, capital markets) preferred. Licenses/Certifications: Certification in Project Management preferred. Knowledge, Skills and Abilities (KSAs): Excellent written and verbal communication skills along with solid computer skills. Analytical thinker and consultative mind to support both team members and managers in all areas of the business. Goal-oriented, self-motivated with the capacity to meet and exceed assigned goals. Proficiency in scheduling, prioritizing tasks, and managing deadlines to ensure timely completion of work and projects. Ability to identify issues, analyze problems, and develop effective solutions. Ability to make informed decisions quickly and effectively under pressure. Ability to align project goals with organizational objectives. Excellent organizational skills and the ability to multitask to complete a wide variety of tasks. Ability to analyze complex issues and identify areas for improvements. Capacity to adapt to changing business environments and requirements. Ability to meticulously examine processes and projects and identify subtle inefficiencies and accuracy and quality. Ability to lead and motivate teams to implement process improvements. Ability to think strategically about process improvements and their long-term impact on the organization. Strong people skills with ability to interact with all internal teams and external customers. Must be able to maintain sensitive and confidential information. Diligence to ensure tasks are completed thoroughly and on time. Strong reporting skills. Silverton Mortgage is committed to creating an inclusive workplace. Silverton Mortgage is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. Business Unit - Silverton Mortgage

Assistant Manager - Credit Job Description: At Bestway our Credit Managers play a pivotal role in our vision to enhance the customers rent to own experience. We expect our Credit Managers to be customer centric individuals that help our customers achieve product ownership through on time renewals. Expected Number of Hours: 50-55 per week Credit Managers are responsible for the following expectations: · Greeting customers as they enter the store. · Be a Bestway brand ambassador who affects and promotes Bestway's commitment to have the best products at the best prices delivered by the best people in the business. · Support all efforts to improve revenue and profit growth. · Achieve credit standards by using the “4 Key Principles of Customer Interaction”, Bestway's Policy and Procedures while abiding by State and Federal laws. · Must bring energy and enthusiasm to exceed customer service expectations. · Be proficient at the Credit and Sales Minutes. · Build great customer relationships by utilizing communication and service skills to ensure customer retention and enhance the customer's experience during all customer interactions. · Establish professional communication and problem solving skills with customers and co-workers. · Use logistics to manage Sales Representatives to the most efficient manner on deliveries, returns, service calls, and field collections. · Be responsible for maintaining, organizing, protecting, and storing products in stock room area and possess the ability to lead Sales Representatives to assist you. · As a brand ambassador always represent yourself and your company in a professional manner. · Have the ability to learn, develop, and teach the skill to assemble products as well as do minor touch ups, repairs, and refurbishment to ensure all products are rent ready within 48 hours. · Must be competent at explaining the rental agreement and 7 Steps to Renewals. · Must ensure maintenance and upkeep for vehicles. · Complete all other tasks assigned at the discretion of management. Bestway will provide additional training and skill enhancement to allow Credit Manager to: · Have the opportunity to advance to Store and District Manager positions. · Be able to explain the rental agreement and have a thorough understanding of how it works. · Develop collection skills to help grow our customer base by learning to utilize the “4 Key Principles of Customer Interaction.” · Successfully lead staff and daily operations of the store in the absence of the manager. · Engage in continuous self-development. Assistant Managers will assist in creating a culture of; · Teamwork · Commitment to Excellence · Being Results Driven · Developing Future Leaders

The Credit Representative will enter credit memos related to customer product returns or adjustments. This is a full-time onsite position. Work schedule is Monday through Friday from 7:00 A.M. to 3:30 P.M. The Lifeway Distribution Center in Lebanon, TN, is a place where you can bring your faith and work experience to join the most important mission in the world: making disciples of Jesus Christ. Whether you're a picker, packer, stocker, material handler, or working in assembly, if you're passionate about serving the church, we have a place for you. Full-time employees are eligible for enrollment in our comprehensive benefits plans including healthcare, vacation and sick time, holiday pay, care days, 401(k) plan, and more. Learn more about our culture at team.lifeway.com/culture-code I-Hybrid Responsibilities * Enter adjustment orders or credit memos using ERP system, to resolve customer complaints, inquiries, and product returns. Investigate, analyze, and report process issues that are prompting customer returns. Process call-tag information as needed, and interface with customers when researching lost shipments. * Research and reconcile credit related issues such as: RTV reconciliation, special events credits, responding to internal inquiries regarding credit issues, and other required tasks, as assigned. * File returns documents per departmental policy and audit customer returns to ensure inventory and customer accounts are properly adjusted. * Perform other distribution work functions as workload dictates. Qualifications * High School Diploma, or GED * Associate or bachelor's degree in business or accounting, preferred * 2 years experience in warehouse, shipping or logistics * 1+ years of experience in customer service, accounts receivable, accounts payable, or working within a credit department. * Demonstrated ability in ethical decision making, critical thinking, and analytical thinking to evaluate credit issues, identify root causes, and ensure fair, accurate resolutions aligned with company policy. * Proficient in clear communication (written & verbal), active listening, and customer service to effectively collaborate with customers and internal teams, explain credit decisions, and resolve inquiries with professionalism. * Working knowledge of ERP systems, warehouse management systems, and transportation systems to process credit memos, track returns, research lost shipments, and maintain accurate records. * Proficient in Microsoft Office 365 tools (Word, PowerPoint) for documentation and reporting, with applied math and accounting skills to reconcile accounts, process adjustments, and verify financial accuracy. * Demonstrated ability in time management to prioritize competing credit requests, meet deadlines, and ensure prompt resolution of customer and operational needs. Other Requirements: * This job operates in a distribution center setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, and filing cabinets. This is a largely sedentary role; however, some physical labor may be required. Individuals may need to sit or stand as needed. This position may require walking primarily on a level concrete surface for periods of time as well as reaching above shoulder heights or below the waist or lifting throughout the workday. Proper lifting techniques are required as this position may occasionally lift up to 50 pounds. * Ability to work overtime, as needed. * Ability to read and write in the English language.

The Credit Manager along with the Sales Manager are the second in charge at the individual branch location. The Credit Manager performs a wide variety of job functions at the direction of the General Manager, assisting and coordinating store activities to ensure safe, professional and profitable operations. The Credit Manager is accountable for meeting company objectives; maintain company quality standards and adhering to company policies. Principal Accountabilities Acquire and Maintain Customers Act as a customer liaison who resells the benefits of timely rental/lease agreement renewal payments Assist in managing store personnel; may direct activities of one or more employees Compliance with all applicable federal, state and local statutes Decipher, prepare and review store reports Document all customer commitments Ensure company standards for renewals, delinquencies and store collections are satisfied Fill out paperwork for submission to corporate support Follow monthly marketing plans and maintain internal quality control standards Manage customer accounts Managing inventory and cash assets Prepare daily work schedules, delivery schedules, assign tasks, enforce company policy All other duties deemed necessary for effective store management Requirements for Credit Manager Effective organizational skills Established collection skills Good communication skills Handle multiple priorities simultaneously Learn and become proficient in POS system Maintain professional appearance Must be able to read, write and communicate effectively in person and over the phone with employees and customers Negotiate and resolve conflict Plan, organize, delegate, coordinate and follow up various tasks and assignments Recognize and solve problems Must have proficient navigational skills with a satisfactory driving record and meet insurability requirements Regular and consistent attendance, including nights and weekends as business dictates Education and Experience Two years experience with Rent-to-Own, retail or other business emphasizing customer service, account management, sales and merchandising. General Physical Requirements Position routinely requires lifting, loading, moving, and using a dolly for merchandise 50-300 pounds Stooping, bending, pulling, climbing, reaching and grabbing as required Must be able to traverse multiple flights of stairs while carrying furniture, appliance, and electronics Prolonged driving and standing Must be able to work in and outdoors in a variety of climates and weather conditions. $16.00 - $17.00 Hourly