Credit analyst jobs in Fridley, MN - 80 jobs

Empowered to live. Inspired to work. Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin. We bring together team members with a variety of backgrounds and experiences to help provide financial services to support agriculture and rural communities. Join us in a culture that not only promotes meaningful work and professional development, but provides a flexible, hybrid work environment and excellent benefits, which empower you to thrive both personally and professionally. How we support you: Hybrid model - up to 50% work from home Flexible schedules including ample flexibility in the summer months Up to 9% towards 401k (3% fixed Compeer contribution plus up to 6% match) Benefits: medical, dental, vision, HSA/FSA, life & AD&D insurance, short-term and long-term disability, wellness program & EAP Vacation, sick leave, holidays/floating holidays, parental leave, and volunteer paid time off Learning and development programs Mentorship programs Cross-functional committee opportunities (i.e. Inclusion Council, emerging professional groups, etc.) Professional membership/certification reimbursement and more! Casual/seasonal & intern team members are not eligible for benefits except for state-mandated programs. To learn more about Compeer Financial visit************************ Where you will work: This position offers a hybrid work option up to 50% remote and is based out of the MN-Lakeville, MN-Rochester, IL-Bloomington, or WI-Sun Prairie office locations. The contributions you will make: This positionreviewscomplexloan requeststhat are submitted to the Credit Compeer Hometeamand documentsthe appropriate level of analysis required to make a credit decision.Issuestheproperloan conditions tied to various consumer loan products within Compeer Home. Communicateswith lending officers within CompeerHometeam to discuss lending alternatives,additionalinformationrequiredto make a lendingdecisionand issuesrelated to the loan request. Communicateswith Credit Officers and Financial Officers assigned to Ag Lendingrelationships toensure the Compeer Homesubject loan request is in the best interest of all areas of Compeer Financial and the consumer.Reviews and provides decision on servicing actions. A typical day: Home Mortgage Underwriting and Credit Analysis Analyzes and provides quality,accuratecredit decisions for complex loan packages across all three Compeer home mortgage products (RuraLiving,Portfolio and Freddie Mac). Reviewsanddocumentsloan conditions andtransactions to ensurecompliance and credit guidelines are met. Collaborates with Ag Lendingto analyze complex farming operations with consumer loan requests. Leadslargermore complexloan requests, may berequiredto interact directly with the borrower,partneror other outside parties. Reviewsall documents needed for final approval. Utilizes Freddie Mac automated underwriting and analysis tools such as runningloansthrough Loan Product Advisor andtheappraisal throughthe Uniform Collateral Data Portal if applicable. Updatesthe Loan Origination Systemwith all underwriting information. Maintains the underwriting spreadsheet. Serves asaresource for team members toassistwith fielding questions. Appraisal Review Verifies the subject property is acceptable collateral for the loan program. Reviews the accuracy and opinion of the market value on appraisals. Reviewscompstodetermineif theyarecomparable and adequate with the necessary marketability comments provided. Verifiesthe property meets all necessary program guidelines(property is adequatelyreviewedand sales are comparable). Product Guidance Providesproductsupport(Freddie Mac,RuraLivingor Portfolio)forthe Credit Compeer HomeTeam and all of CompeerHome. Reviews guidelines on a regular basis and providesrecommendationsto leadershipand/orproductexperts. Answersloan questionssubmittedto the Credit Compeer HomeTeam from Compeer Home,banksand Farm Credit partners. Servicing Actions Reviews submissions anddetermineif all required documentation is in the file. Determinesif collateral can be released and if any proceeds need to be applied to the loan. Determinesif co-signer can be released of liability by reviewing all documentation against loan guidelines. Documents servicing request and underwriting criteria used to approve or deny the request. Communicatesthe decision which include conditions required to be met, in order for the action to be approved. The skills and experience we prefer you have: Bachelor'sdegree inaccounting,finance, economics, agribusinessor related field OR an equivalent combination of education and experience sufficient to perform the essential functions of the job. Advanced-level of experience inconsumer mortgage finance including areas such as underwriting, processing, operations,servicingand/or lending. Advanced knowledge of consumer lending, underwriting practices,compliance, regulations,and loan programs. In-depth understanding of credit processing and servicing. Strongaccounting principles and credit administration. Advancedunderstanding of loan processing and servicing. Knowledge of agricultural businesses and operations, production practices, and understanding of credit standards used by Compeer to analyze operations. Ability to make sound credit decisions independently and efficiently. Developed negotiating skills and the ability to organically create and propose creative financing solutions that drive portfolio growth while mitigating credit risk. Strong listening, written and verbal communication skills, withabilityto communicate at all levels of the organization. Skill in developing andmaintaininginterpersonal relationships. Strong computer skills, including Microsoft Office applicationsand customer relationship management (CRM) programs. Valid driver's license. May berequiredto travel and present,trainand interact with team members, bank partners,Farm Credit Associationsor at trade shows/conferences. How we will take care of you: Our job titles may span more than one career level (associate, senior, principal, etc.). The actual title and base pay offered is dependent upon many factors, such as: training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role is eligible for variable compensation and other benefits. Base Pay$82,400-$124,500 USD Compeer Financial is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Must be authorized to work for any employer in the United States. Compeer is unable to sponsor or take over sponsorship of an employment visa at this time. Click here to view federal employment laws applicable for applicants.

Compensation: $65,500 - $91,600 The Credit Analyst is responsible for managing all credit, collection, and accounts receivable reconciliation activities for a designated portfolio of customers. Responsibilities/Duties: Credit Management: Review incoming credit applications and provide recommendations to the Credit Management Team. Periodically evaluate customer financial conditions, including credit scores, sales field information, and payment trends, to assess financial position and credit risk. Review customer orders exceeding credit limits or past due triggers, taking appropriate action to release orders or re-establish creditworthiness. Identify customers needing increased credit limits to support business growth, perform credit reviews, and provide recommendations to the Credit Management Team. Collections: Build strong relationships with internal and external customers to maximize cash flow through efficient collections. Initiate timely collection activities, including phone calls, emails, and other communications, to address account delinquencies proactively. Work with past due customers and their sales representatives professionally, documenting discussions and agreements, and ensuring timely follow-up. Conduct collection activities in compliance with federal, state, and local regulations, laws, statutes, and company policies. Develop payment plans as needed. Resolve issues related to disputed invoices with customers and the sales team to enable invoice collection or resolution of short-paid invoices. Other Duties: Perform other duties as beneficial to IDI. Leadership Competencies: Leads Self Communicates Effectively & Candidly Drives for Results Demonstrates Accountability Takes Initiative Collaborates Qualifications/Skills: Technical Skills: Proficiency and experience in understanding Credit Reports and Credit Scoring Proficiency in Microsoft Office software, including Excel and MS Word Communication Skills: Excellent interpersonal, written, and verbal communication skills Strong negotiating skills Interpersonal Skills: Ability to work effectively with diverse groups of people Education and/or Experience: College degree in Business or related field and/or equivalent experience 3+ years Credit experience or related experience in field of finance preferred One of the core values at IDI is Family, and it shows in our benefits! From health coverage (medical, dental, vision) to a 401(k) with a company match, we take care of our team members. Enjoy paid time off for vacation and holidays, plus perks like life and disability insurance and an employee assistance program to support you when you need it most. We know that benefits are an important part of your compensation package, so we'll share full details on eligibility and benefits during the hiring process.

You will be responsible for working with our clients, foreign and domestic, and our attorneys to ensure our invoices are paid on a timely basis. Responsibilities: Process monthly domestic and foreign statements of account Process systematic collection letters for those accounts that are PAST DUE Contact individual clients directly by phone and email to resolve and collect outstanding balances Work with clients and attorneys to resolve any discrepancies with our invoices Maintain electronic collection files 6. Miscellaneous accounting tasks as required Knowledge, Skills and Abilities Required: • Two years of credit/collection experience desired • Post-secondary education preferred • Experience in the Microsoft Office Suite • Strong attention to detail and problem solving skills • Ability to organize and prioritize numerous tasks and complete them under time constraints • Ability to work independently and with minimal supervision • Excellent written communication skills required • Interpersonal skills necessary in order to communicate with a diverse group of clients, attorneys, and staff in order to provide information with courtesy and tact.

With a company culture rooted in collaboration, expertise and innovation, we aim to promote progress and inspire our clients, employees, investors and communities to achieve their greatest potential. Our work is the catalyst that helps others achieve their goals. In short, We Enable Possibility℠. Job Summary This is an analytical position developed to help assess and manage the financial risk on individual deals and the overall casualty book of business across different product lines. It is responsible for the assessment and grading the complex financial nature of large accounts and determining appropriate structure and levels of collateral and funding. It also provides analytical support and guidance to different levels of management on complex situations relating to financial and credit risk management. The hiring team would like to talk with candidates who have experience in financial credit analysis (including from an internship). The team would also be interested in meeting new grad who is excited to join the insurance industry. This role can sit in either the Alpharetta, GA or St. Paul, MN office on a hybrid schedule of three days in the office, two days remote. Complete reviews and evaluations of existing and prospect clients' financial condition and credit worthiness Track upcoming renewals and pro-actively secure and compile data Collaborate with the underwriting teams in identifying and soliciting information needed to complete the financial and credit risk analysis Compile, upload and spread financials in Moody's Credit Lens Conduct industry and market research and competitive landscape analysis Participate in fact finding calls and meetings with client's Senior Financial Management Review and monitor economic, marketplace, and collateral trends, particularly as they relate to target industries Research accounting and business changes and update benchmarks and analytical tools Act as a liaison with the Global Treasury and Corporate Accounting and Finance teams as relates to collateral, credit, billing and accounting type of issues Populate and run Collateral Analysis and Assessment Tool Provide ad-hoc management and financial reports on the casualty book of business Education & Experience Bachelors or higher degree in Finance/Accounting. Prior experience and expertise in Financial and Credit Risk and Financial Statement Analysis. Prior experience in the Insurance/Risk Management field is a plus. Prior experience with Moody's CreditLens and S&P Capital IQ is a plus. Key Competencies Well organized and able to prioritize and handle diverse tasks effectively Strong analytical skills with the ability to collect, organize, analyze, and disseminate significant amounts of information with attention to detail and accuracy Excellent communication and interpersonal skills High level of understanding of financial statements and transactions Ability to influence without authority. #LI-AT1 #LI-hybrid For individuals assigned or hired to work in the location(s) indicated below, the base salary range is provided. Range is as of the time of posting. Position is incentive eligible. $73,348 - $99,236/year Total individual compensation (base salary, short & long-term incentives) offered will take into account a number of factors including but not limited to geographic location, scope & responsibilities of the role, qualifications, talent availability & specialization as well as business needs. The above pay range may be modified in the future. Arch is committed to helping employees succeed through our comprehensive benefits package that includes multiple medical plans plus dental, vision and prescription drug coverage; a competitive 401k with generous matching; PTO beginning at 20 days per year; up to 12 paid company holidays per year plus 2 paid days of Volunteer Time Offer; basic Life and AD&D Insurance as well as Short and Long-Term Disability; Paid Parental Leave of up to 10 weeks; Student Loan Assistance and Tuition Reimbursement, Backup Child and Elder Care; and more. Click here to learn more on available benefits. Do you like solving complex business problems, working with talented colleagues and have an innovative mindset? Arch may be a great fit for you. If this job isn't the right fit but you're interested in working for Arch, create a job alert! Simply create an account and opt in to receive emails when we have job openings that meet your criteria. Join our talent community to share your preferences directly with Arch's Talent Acquisition team. 14400 Arch Insurance Group Inc.

With a company culture rooted in collaboration, expertise and innovation, we aim to promote progress and inspire our clients, employees, investors and communities to achieve their greatest potential. Our work is the catalyst that helps others achieve their goals. In short, We Enable Possibility℠. Job Summary This is an analytical position developed to help assess and manage the financial risk on individual deals and the overall casualty book of business across different product lines. It is responsible for the assessment and grading the complex financial nature of large accounts and determining appropriate structure and levels of collateral and funding. It also provides analytical support and guidance to different levels of management on complex situations relating to financial and credit risk management. The hiring team would like to talk with candidates who have experience in financial credit analysis (including from an internship). The team would also be interested in meeting new grad who is excited to join the insurance industry. This role can sit in either the Alpharetta, GA or St. Paul, MN office on a hybrid schedule of three days in the office, two days remote. * Complete reviews and evaluations of existing and prospect clients' financial condition and credit worthiness * Track upcoming renewals and pro-actively secure and compile data * Collaborate with the underwriting teams in identifying and soliciting information needed to complete the financial and credit risk analysis * Compile, upload and spread financials in Moody's Credit Lens * Conduct industry and market research and competitive landscape analysis * Participate in fact finding calls and meetings with client's Senior Financial Management * Review and monitor economic, marketplace, and collateral trends, particularly as they relate to target industries * Research accounting and business changes and update benchmarks and analytical tools * Act as a liaison with the Global Treasury and Corporate Accounting and Finance teams as relates to collateral, credit, billing and accounting type of issues * Populate and run Collateral Analysis and Assessment Tool * Provide ad-hoc management and financial reports on the casualty book of business Education & Experience * Bachelors or higher degree in Finance/Accounting. * Prior experience and expertise in Financial and Credit Risk and Financial Statement Analysis. * Prior experience in the Insurance/Risk Management field is a plus. * Prior experience with Moody's CreditLens and S&P Capital IQ is a plus. Key Competencies * Well organized and able to prioritize and handle diverse tasks effectively * Strong analytical skills with the ability to collect, organize, analyze, and disseminate significant amounts of information with attention to detail and accuracy * Excellent communication and interpersonal skills * High level of understanding of financial statements and transactions * Ability to influence without authority. #LI-AT1 #LI-hybrid For individuals assigned or hired to work in the location(s) indicated below, the base salary range is provided. Range is as of the time of posting. Position is incentive eligible. $73,348 - $99,236/year * Total individual compensation (base salary, short & long-term incentives) offered will take into account a number of factors including but not limited to geographic location, scope & responsibilities of the role, qualifications, talent availability & specialization as well as business needs. The above pay range may be modified in the future. * Arch is committed to helping employees succeed through our comprehensive benefits package that includes multiple medical plans plus dental, vision and prescription drug coverage; a competitive 401k with generous matching; PTO beginning at 20 days per year; up to 12 paid company holidays per year plus 2 paid days of Volunteer Time Offer; basic Life and AD&D Insurance as well as Short and Long-Term Disability; Paid Parental Leave of up to 10 weeks; Student Loan Assistance and Tuition Reimbursement, Backup Child and Elder Care; and more. Click here to learn more on available benefits. Do you like solving complex business problems, working with talented colleagues and have an innovative mindset? Arch may be a great fit for you. If this job isn't the right fit but you're interested in working for Arch, create a job alert! Simply create an account and opt in to receive emails when we have job openings that meet your criteria. Join our talent community to share your preferences directly with Arch's Talent Acquisition team. 14400 Arch Insurance Group Inc.

WHO ARE WE: Alerus is a commercial wealth bank and national retirement provider with one core purpose: helping clients achieve their financial goals. We are driven by a shared commitment to always do the right thing; leading with integrity and providing valued advice and guidance to our clients. We value the expertise and skillsets each team member provides and encourage collaboration, innovation, adaptability, and an entrepreneurial spirit at all levels of our company. By consistently seeking improvements and growth, we foster long-term relationships with clients and team members. We are proud to be recognized as a Top Workplace by numerous industry and regional outlets. CORE VALUES: Passion for Excellence :: Success is Never Final :: Do the Right Thing :: One Alerus ABOUT THE ROLE: The Senior Credit Officer reports directly to the Chief Credit Officer and plays a key role in the loan approval process and overall portfolio management for their assigned vertical. Will be the primary contact for commercial lenders, underwriters, product specialists, and senior leadership for all new, renewals, and/or modifications of credit pertaining to C&I Middle Market lending. As such, they will be entrusted to maintain and ensure commercial extensions of credit within their purview are within Alerus' risk appetite, meet loan policy parameters and are properly managed. Position will lead and manage the underwriting team for C&I Middle Market lending, including performance management. WHAT YOU'LL BE DOING: This position is responsible for providing credit support to both Business Advisors and Underwriters on C&I Middle Market credit requests in the decisioning, administering and overseeing of commercial credit as outlined in the bank's loan policy. In partnership with the Business Advisor and Underwriter, develop a comprehensive understanding of customer's financial needs, and formulate a plan of action for loan structure, monitoring, and servicing of loan relationship. Work with Commercial Bankers and credit staff to properly structure credit requests to achieve quality loan growth. Knowledgeable of and ability to propose loan programs as appropriate (SBA, USDA, FSA, etc.) Support the bank's growth and loan quality goals by ensuring that loan policies and procedures are properly adhered to. Approve loans within the positions delegated credit authority and facilitate approvals for relationships requiring higher level of approval. Manage workflow among underwriters, conduct weekly team meetings to discuss workloads and reassign priorities as needed to ensure timely completion in line with client expectations. Provide day-to-day oversight, monitoring, and performance management of staff. Create performance plans and ensure timely reviews for all underwriting staff. Manage ongoing administration of credit relationships through oversight of annual review process, management of ticklers and payment status. Assist, as necessary, with regulatory and internal audit reviews and internal credit reviews. Participate in projects as directed by the CCO as a credit subject matter expert. WHAT YOU SHOULD HAVE: Bachelor's degree or equivalent education, including upper-level courses in finance and accounting. 10+ years of experience working in C&I commercial credit, including approval authority. 5-7 years of experience in personnel management and supervision. Strong desire to build relationships within the Alerus organization and effective working relationships with co-workers in credit and business development positions. Strong problem-solving ability. Professional customer service skills. Strong written and oral communication skills. Strong negotiation and interpersonal relationship skills. Self-starter with established ability to work effectively with minimal day-to-day supervision. WHAT WE BRING TO THE TABLE: Competitive compensation including base salary, bonus and/or incentive opportunities. Comprehensive benefits package providing a wide range of health and well-being benefits, including medical, dental, vision, life and long-term disability insurance; and 401(k) and ESOP for retirement savings. Generous paid time off programs such as flexible time off, company-paid holidays, parental and bereavement leave. Learning and development resources for personal and professional career development, and advancement opportunities. Access to financial experts for guidance, financial wellness tools, and discounts on Alerus products and services. Support for the communities we live in through paid volunteer time and a company donation match opportunity. WORK ENVIRONMENT: Work is typically performed in an office setting. The employee is regularly required to sit for extended periods of time. The employee is occasionally required to move about the office utilizing proper ergonomic safeguards when doing so. Additionally, the employee must occasionally lift or move supplies and materials up to 20 pounds. BASE PAY RANGE: $135,000 - $170,000 per year The above information in this description has been designed to indicate the general nature and level of work performed by employees in this position. It is not designed to contain or be interpreted as an exhaustive list of all responsibilities, duties, and qualifications required of employees assigned to this job. Alerus is an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Job Description We have partnered with a successful multi-location locally owned community bank, known for the footprint in the communities they serve. This bank has earned numerous awards for customer service. You will be part of a family-friendly work environment working alongside of strong leaders that are easily accessible, with a chance to grow your career within the organization. WHAT THE COMPANY WILL OFFER YOU: Great place, great people. Competitive compensation of $50,000 - $75,000 -+. Benefits Package that includes excellent health plans (family options available), dental, vision. Generous PTO and Holiday pay. 401k Match. Growth Opportunities - company likes promotes within. THE ROLE YOU WILL PLAY: Gather and analyze credit for current and prospective borrowers. Analyze credit data and financial statements to determine risk. Work closely with loan officers. COMMUNITY: Twin Cities, MN area It's the Twin Cities, need we say more? You can live and work in one of the most thriving cities in the nation. If you need an outing, there are plenty of professional and college sporting events to attend, or there is a vast amount of places available to meet your buddies to hang out. Enjoy some shopping at one of the greatest mall in the nation, or one of the outstanding 5-star restaurants to meet some of your friends. If you want to relax there are many salons and spas to choose from as well. You will be merely minutes away from multiple recreation activities as well including boating, camping, biking, hiking, fishing, hunting, snow skiing, snow shoeing, aquatic parks and more. After all it is the land of 10,000 lakes. Within the area there are multiple schools to choose from for any age. Residing here will allow you to take advantage of living in the natural beauty that the cities are known for and where many people make as a vacation destination. Enjoy living in a growing place that offers opportunities to work and play. BACKGROUND PROFILE: Bachelor's Degree in Accounting, Finance or Related field. Excellent analytical skills. Strong communication skills. Ability to work in team environment. Contact Travis Peper today to find out all the details (605) 428-6149 or email tpeper@ercjobs.com! Check out all of our opportunities at www.ercjobs.com!

Job Description Deerwood Bank is a growing, family owned, community bank with 14 locations in Minnesota and is hiring a Credit Analyst to work in its Mendota Heights, MN branch. The individual will participate in the commercial banking process by providing research and analysis to support the Business Bankers in their underwriting decisions. Tasks associated with this position include spreading and analyzing financial statements, preparing credit approval presentations, business and guarantor cash flow analysis and financial projections as necessary. Major Responsibilities and Duties: Spread and analyze interim and year-end financial statements, borrowing base certificates, personal financial statements and tax returns, ensuring timely completion of required reports. In conjunction with Business Bankers, assist in the preparation of written commercial loan analyses in a concise but complete format identifying major trends, issues. Develop a strong foundation in analysis in order to understand and to identify credit risks. Use that foundation to make informed analysis and suggestions to the lenders. Work with Business Bankers to ensure financial information from clients and prospects is processed and distributed in an accurate, timely and consistent manner to ensure financial risk is managed appropriately. Monitor loan covenants and reporting requirements as necessary. Check covenant compliance as annual and interim financial statements are received and spread. Coordinate with other staff to ensure timely completion of month-end reporting as necessary. Build on acquired skills to analyze increasingly complex companies and industries, eventually assuming more responsibility for credit approval presentations. Learn SBA 504 and 7(a) loan parameters as well as other risk mitigation techniques and programs like USDA. Make suggestions to the Credit Officer to optimize the use of data and resources available to analyze risk. Assists Credit Officer with reporting to the Officer's Credit Committee, Director's Credit Committee, or Board of Directors on an “as needed” basis. Perform other duties as apparent or assigned. Regulatory Compliance Requirements: Responsible for meeting the requirements for all statutes/regulations pertaining to or governing their positions/departments. Independent Judgment: Must use a moderate degree of independent judgment when determining the financial risk and collateral risk associated with each transaction analyzed as well as the appropriate advance rates for type and quality of collateral and the appropriate handling of customer service issues. Must understand organizational and departmental priorities and effectively manage the workload with nominal direction. Knowledge, Skills and Abilities: College degree in business, accounting, finance or comparable employment experience. Formal credit/cash flow analysis training, and well-developed credit analysis and analytical skills. Strong interpersonal skills, with a demonstrated excellence in working effectively as an individual and as part of a team Strong personal motivation and attention to detail Understanding of economics, finance, accounting, financial statements and GAAP. Ability to discuss financial and collateral issues with Business Bankers and customers. The ability to independently prioritize work, multi-task and meet deadlines. Excellent written, verbal and analytical skills. Effective technical report writing skills Strong computer skills with experience with Microsoft Office Suite and financial spread sheet software. Work Schedule: Monday - Friday 8:00am - 5:00pm Hiring Pay Rate: $55,000 - $75,000 per year, depending on qualifications. Benefits are available to employees working 30 or more hours per week on the first of the month following date of hire. Medical insurance, including virtual telemedicine and mental health counseling Health Savings Account Flexible Spending Account (health, limited purpose health, and dependent care) Dental insurance Vision insurance Life insurance (basic and voluntary) Short-term disability insurance Long-term disability insurance Long-term care insurance Adoption Assistance Program Employee Assistance Program PTO Paid Volunteer Time Off Paid holidays 401(k) with company match (eligible on the first of the month following 2 months of employment) Financial wellness education Free or reduced fees for banking products and services Employee Referral Bonus

Christian Investors Financial Mendota Heights, MN Competitive Salary and Excellent Benefits! Do you have a passion for making a difference in the world and God's kingdom? Join the Christian Investors Financial team to help empower others and assist in providing faith-based financial solutions that serve to advance God's Kingdom! https://christianinvestors.org/ As a Credit Analyst, you will perform comprehensive credit analysis, underwriting, and reviews; then provide and present overall assessments and recommendations as to the creditworthiness of both potential and current borrowers, while ensuring the completeness and accuracy of the overall credit risk assessment through the review of both quantitative and qualitative factors. This includes financial analysis of provided financial statements and reports, the identification and assessment of key risk factors and their potential mitigation, and the communication of overall credit assessments and recommendations for the review and approval of CIF's Loan Committee. Christian Investors Financials' Mission is to provide faith-based financial solutions that serve Kingdom expansion and their values are as follows: *Stewardship * Communication * Collaboration * Curiosity Job Requirements: Committed, personal relationship with Jesus Christ Bachelor's degree in Finance, Accounting, or related Business concentration preferred Experience or training in a customer service-oriented setting. Familiarity and experience with reviewing and analyzing organizational financial statements preferred. Previous experience within a banking, credit union, or financial services environment preferred. Sufficient analytical (both quantitative and qualitative) and financial/accounting/math knowledge and skills to perform duties, and to complete and provide evaluations and recommendations Strong organizational, time management, interpersonal communication (both written and verbal), and attention to detail skills to perform duties and complete work with the necessary completeness, accuracy, and efficiency. Essential Duties and Responsibilities: Perform credit analysis, risk, underwriting, and overall assessment reviews as assigned and in collaboration with internal team members in support of CIF's Organizational Vision and Values. Including: Analyzes and evaluates the financial condition of both potential and current borrowers; reviewing completed loan applications and supporting required documentation to develop an initial assessment of credit worthiness, including both strengths and weaknesses pertaining to a borrower's current and historical financial condition. Interacts and communicates with both potential and current borrowers as appropriate to obtain answers to additional questions/clarifications, and also supplementary information required to complete the assessment. Prepares and presents overall credit assessments and recommendations, which include detailed financial statement analysis, giving and attendance trends, various organization/economic/market factors, project information if a construction credit, and in-depth analysis of the secondary sources of repayment such as collateral. Interacts and collaborates with Business Development and Loan Committee members; communicates, presents and answers questions regarding prior approved credits and those outstanding and in need of approval. Drafts and processes approved a preliminary and formal commitment to lend agreements, as well as preparation and processing of various related loan agreements, amendments, modifications, and other changes to original terms. Monitors and reviews certain identified and prioritized post-closing existing credits within the loan portfolio as needed; including monitoring of property insurance and collateral and the review and credit risk analysis of reported/discovered changes in borrower circumstances and their potential impact on prior credit assessments. Perform other duties as needs arise, including support and contributions towards CIF strategic initiatives to enhance operational effectiveness and customer experience. We Make it Easy Founded in 1901, MRA is a nonprofit employer association that serves more than 4,000 employers, covering more than one million employees. As one of the largest employer associations in the nation, MRA helps its member organizations thrive by offering the most comprehensive assortment of HR services, information, education, and resources to help build successful workplaces and a powerful workforce. We partner with these companies working directly with their HR department and leadership to hire their talent. We are a direct line to the company, not an agency recruiter.

Old National Bank has been serving clients and communities since 1834. With over $70 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. As a trusted partner, we thrive on helping our clients achieve their goals and dreams, and we are committed to social responsibility and investing in our communities through volunteering and charitable giving. We continually seek highly motivated and talented individuals as our people are critical to our success. In return, we offer competitive compensation with our salary and incentive program, in addition to medical, dental, and vision insurance. 401K, continuing education opportunities and an employee assistance program are also included in our benefit suite. Old National also offers a variety of Impact Network Groups led by team members who are passionate about driving engagement, creating awareness of diverse backgrounds and experiences, and building inclusion across the organization. We offer a unique opportunity to join a growing, community and client-focused company that is firmly rooted in its core values. Responsibilities We are currently seeking a Senior Credit Officer that will be responsible for the daily activities of the Commercial Underwriters, maintaining an efficient workflow while promoting a collaborative experience between their direct reports, Relationship Managers, segment leadership, and other internal support areas. Within the Business Banking Credit Center (BBCC), the Senior Credit Officer oversees the underwriting of loan requests with aggregate exposures below $1 million. This individual will manage all activities of the BBCC UWs, which will include oversight of all analyst tasks and functions necessary to analyze, decision, and manage credit relationships in the Commercial portfolio, along with credit risk administration duties, orderly flow of credit approvals through the analysis process and productivity for all direct reports. Responsible to maintain loss ratios, accurately assess risk and assign the appropriate risk rating in an efficient manner following established underwriting guidelines and procedures. This position requires strong communication, leadership and critical thinking skills, thorough knowledge of industry and bank underwriting standards, and the confidence to make and support loan decisions We are an in-office working environment. This position can be located in one of the offices within our footprint. Salary Range The annual salary range for this position is $106,100 - $214,600. The base salary indicated for this position reflects the compensation range applicable to all levels of the role across the United States. Actual salary offers within this range may vary based on a number of factors, including the specific responsibilities of the position, the candidate's relevant skills and professional experience, educational qualifications, and geographic location. Key Accountabilities Ensure credit quality targets for the loan portfolio are met Ensure analyses of underwriters are appropriate and asset quality ratings are accurate Engage with Credit Strategy to leverage portfolio data and industry/market trends to provide administrative oversight of the Commercial loan portfolio Ensure compliance with established corporate standards for Commercial portfolio Understand the state of the loan portfolio, identifying areas of potential concern and growth opportunities Coach, develop and maintain a competent team of credit professionals Develop Underwriters through appropriate training to ensure analysis on credit approval memorandums is accurate, factually correct and meets bank requirements to make fully informed credit decisions Assist with evaluating, analyzing, and decisioning eligible loan applications while exercising granted loan authority in a responsible manner Lead and coach a team of credit professionals and successfully motivate direct reports to perform at a high level and achieve their own performance and career objectives Maintain and grow analytical skills and industry knowledge through internal and external training and development opportunities Maintain an environment that is collaborative, controlled, monitored, and efficient Collaborate with staff and production peers while executing the Bank's Commercial Strategy Empower team to engage with Commercial Relationship Managers, CBU Agents, and Documentation Specialists as applications progress through internal commercial lending processes and deploy problem solving and critical thinking skills as needed. Complete special projects at the direction of the Bank's credit administrators, which may include action and responses to OCC exams, internal audits, and loan review reports. Key Competencies for Position Develops Talent - Optimizes talent within business area to achieve goals Actively supports people development through formal programs as well as targeted stretch assignments Continuously evaluates talent within business area and is quick to take action to remove barriers and close talent gaps through effective feedback and coaching Cultivates an environment of trust and optimizes talents and capabilities within business area through a culture of continuous feedback and coaching Actively seeks to attract and retain best-in-class, diverse talent Makes Decisions & Solves Problems - Proactively sources and analyzes comprehensive data to define and solve complex business problems that leads to sound decisions Proactively analyzes and owns qualitative and quantitative data to define business areas problems and opportunities through effective collaboration Collaborates to compile information needed to create a sound approach by leveraging internal and external resources Considers business area, organizational, and individual realities along with impact on the business before developing solutions and makes sound business decisions based on a blend of analysis, wisdom, experience and judgment Creates plan to meet goals and objectives within business areas diminishing gaps and evaluating progress along the way allowing for adjustments Delights Clients - Builds a best-in-class client experience across the business area Fosters an environment where team members passionately serve internal/external clients with excellence Fosters a growth mindset by keeping current with development and trends in business area and sharing information to build knowledge base of business area and enhance client experience Understands data, metrics and/or financial information and how they tie to business outcomes related to client, business area and organization Fosters a culture of accountability within business areas where business area nurtures client relationships by listening, prioritizing and acting responsibly to meet client needs, mitigate risk and add shareholder value Qualifications and Education Requirements Bachelor's degree in Finance, Accounting, or related area or equivalent experience 10 or more years of experience as a Commercial Underwriter/Analyst or related positions Previous management or leadership experience preferred Ability to analyze and interpret financial statements and understand complex accounting principles Thorough knowledge of risks associated with all types of industries Thorough knowledge of loan structuring, borrowing causes and lending standards to ensure loan applications are evaluated efficiently, effectively, and in accordance with regulations Must possess (or willing to possess in short order) a deep understanding of ONB's Credit culture, loan policies, and loan guidelines and procedures with ability to property mitigate exceptions when granted. Demonstrated proficiency and attention to analysis utilizing qualitative and quantitative detail Old National is proud to be an equal opportunity employer focused on fostering an inclusive workplace and committed to hiring a workforce comprised of diverse backgrounds, cultures and thinking styles. As such, all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law. We do not accept resumes from external staffing agencies or independent recruiters for any of our openings unless we have an agreement signed by the Director of Talent Acquisition, SVP, to fill a specific position. Our culture is firmly rooted in our core values. We are optimistic. We are collaborative. We are inclusive. We are agile. We are ethical. We are Old National Bank. Join our team! 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The Credit Analyst will have content expertise in the following areas and will be responsible for the following reporting and communication requirements as deemed appropriate by the Credit Manager: * Review new accounts for proper credit limit and terms based on information received from customer or national data sources D&B and other credit reporting agencies. * Review existing accounts within FMP's customer portfolio to ensure proper credit limits and terms are in place to support sales growth and also mitigate future downside risk. * Lead, organize and/or participate in projects designed to improve the Credit onboarding processes. * Work with Field Sales and Locations to review requests for extended terms on equipment purchases, marketing programs and/or other requests as presented. * Receive and complete requests for customer information changes in FMP systems. * Help insure the integrity of all the accounts receivable systems and processes. * Assist Credit Manager as needed on projects. * Effectively communicate credit management information in written or verbal manner to all levels of management as needed. * Assist location managers, sales people, and customer service on credit management related issues. * Respond to customer inquiries and requests in a timely manner. KNOWLEDGE, SKILLS & ABILITIES AND WORK ENVIRONMENT: * Have a good knowledge of office procedures and equipment. * Intermediate knowledge of Word/Excel/Outlook/Google Mail/Google Docs, working knowledge of Access is a plus. Excel knowledge should encompass high skills with pivot tables and data sorting/reporting options. * Strong data entry skills, accuracy is paramount. * Strong research ability, able to discover/discern information needed or provided * Intermediate to Advanced PC skills utilizing various software applications and systems * 10 key skills * Advanced problem-solving and creative thinking skills, ability to be a good team player * Must have excellent communication skills in building relationships and customer service * Strong work ethic, positive attitude, customer focus * Must be able to multi-task while still remaining detail oriented and self-motivated. WORK ENVIRONMENT: Work is performed 100% in a company office building. Lifting requirements of up to 25 pounds on an occasional basis may be required. Equipment used may include but is not limited to computer, typewriter, calculator, telephone, copy and fax machines. On-site position, limited opportunity for remote access due to nature of position workflow. TASKS: * 80% managing customer's accounts or handling customer requests * 10% assisting with corporate / departmental projects * 10% other duties as assigned MINIMUM REQUIREMENTS: * Associate's Degree or higher OR * One - Three years of experience working in Credit Management/Accounts Receivable/Collections. Tax exemption knowledge is a plus OR * An equivalent combination of education and experience We are an EEOC/AA Employer. An industry leader, FMP offers well-balanced compensation and benefits programs, which may include medical, dental, vision, life, 401K, profit sharing, paid holidays/vacation/sick time, STD/LTD, + much more. Salary is based on experience and job performance.

This is where your work makes a difference. At Baxter, we believe every person-regardless of who they are or where they are from-deserves a chance to live a healthy life. It was our founding belief in 1931 and continues to be our guiding principle. We are redefining healthcare delivery to make a greater impact today, tomorrow, and beyond. Our Baxter colleagues are united by our Mission to Save and Sustain Lives. Together, our community is driven by a culture of courage, trust, and collaboration. Every individual is empowered to take ownership and make a meaningful impact. We strive for efficient and effective operations, and we hold each other accountable for delivering exceptional results. Here, you will find more than just a job-you will find purpose and pride. Your role The Respiratory Health Credit Specialist is responsible for resolving credit balances for assigned Third-Party payers and patients in compliance with existing payer contracts and internal policies. What you'll be doing Research and resolve credit balances on claims for assigned third-party payers and patients in a timely manner and in accordance with third-party payer requirements and Baxter policies and job aids. Resolve credit balances with payers by appealing claims, submitting corrected claims, requesting reprocessing of claims, or issuing refund payment on claims. Resolve claim balances resulting from payer recoupments (payment takebacks) and process payment moves to balance takebacks and payments. Document and follow up on explanations of benefits (EOBs) from payers. Identify and articulate trending payer issues and notify appropriate leaders in a timely manner. Verify insurance benefits and understand coverage criteria. Demonstrate a clear understanding of the upstream and downstream processes that affect the team. Act as a resource and subject matter expert to Accounts Receivable Specialists, Patient Accounts Receivable Specialists, Billing Specialists, and Cash Applications Specialists; provide input to department and cross-functional meetings. What you'll bring AA or BA/BS degree preferred. 2+ years of medical collections and/or billing required. DME supplier experience preferred with knowledge and understanding of third-party payer requirements. Basic understanding of other revenue cycle functions including billing, cash, and collections. Proficiency with Microsoft Office required. Customer service oriented, with the ability to speak knowledgably to payers, patients, and other stakeholders. Baxter is committed to supporting the needs for flexibility in the workplace. We do so through our flexible workplace policy which includes a minimum of 3 days a week onsite. This policy provides the benefits of connecting and collaborating in-person in support of our Mission. We understand compensation is an important factor as you consider the next step in your career. At Baxter, we are committed to equitable pay for all employees, and we strive to be more transparent with our pay practices. The estimated base salary for this position is $49,600 to $68,200 annually. The estimated range is meant to reflect an anticipated salary range for the position. We may pay more or less than of the anticipated range based upon market data and other factors, all of which are subject to change. Individual pay is based on upon location, skills and expertise, experience, and other relevant factors. For questions about this, our pay philosophy, and available benefits, please speak to the recruiter if you decide to apply and are selected for an interview. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time. US Benefits at Baxter (except for Puerto Rico) This is where your well-being matters. Baxter offers comprehensive compensation and benefits packages for eligible roles. Our health and well-being benefits include medical and dental coverage that start on day one, as well as insurance coverage for basic life, accident, short-term and long-term disability, and business travel accident insurance. Financial and retirement benefits include the Employee Stock Purchase Plan (ESPP), with the ability to purchase company stock at a discount, and the 401(k) Retirement Savings Plan (RSP), with options for employee contributions and company matching. We also offer Flexible Spending Accounts, educational assistance programs, and time-off benefits such as paid holidays, paid time off ranging from 20 to 35 days based on length of service, family and medical leaves of absence, and paid parental leave. Additional benefits include commuting benefits, the Employee Discount Program, the Employee Assistance Program (EAP), and childcare benefits. Join us and enjoy the competitive compensation and benefits we offer to our employees. For additional information regarding Baxter US Benefits, please speak with your recruiter or visit our Benefits site: Benefits | Baxter Equal Employment Opportunity Baxter is an equal opportunity employer. Baxter evaluates qualified applicants without regard to race, color, religion, gender, national origin, age, sexual orientation, gender identity or expression, protected veteran status, disability/handicap status or any other legally protected characteristic. Know Your Rights: Workplace Discrimination is Illegal Reasonable Accommodations Baxter is committed to working with and providing reasonable accommodations to individuals with disabilities globally. If, because of a medical condition or disability, you need a reasonable accommodation for any part of the application or interview process, please click on the link here and let us know the nature of your request along with your contact information. Recruitment Fraud Notice Baxter has discovered incidents of employment scams, where fraudulent parties pose as Baxter employees, recruiters, or other agents, and engage with online job seekers in an attempt to steal personal and/or financial information. To learn how you can protect yourself, review our Recruitment Fraud Notice.

Empowered to live. Inspired to work. Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin. We bring together team members with a variety of backgrounds and experiences to help provide financial services to support agriculture and rural communities. Join us in a culture that not only promotes meaningful work and professional development, but provides a flexible, hybrid work environment and excellent benefits, which empower you to thrive both personally and professionally. How we support you: Hybrid model - up to 50% work from home Flexible schedules including ample flexibility in the summer months Up to 9% towards 401k (3% fixed Compeer contribution plus up to 6% match) Benefits: medical, dental, vision, HSA/FSA, life & AD&D insurance, short-term and long-term disability, wellness program & EAP Vacation, sick leave, holidays/floating holidays, parental leave, and volunteer paid time off Learning and development programs Mentorship programs Cross-functional committee opportunities (i.e. Inclusion Council, emerging professional groups, etc.) Professional membership/certification reimbursement and more! Casual/seasonal & intern team members are not eligible for benefits except for state-mandated programs. To learn more about Compeer Financial visit************************ Where you will work:This position offers a hybrid work option (up to 50% remote) and is open to any Compeer office location in Illinois, Minnesota and Wisconsin. The contributions you will make: This position collaborates with internal sales and credit teams across business units to originate and service financing packages, including those that involve the use of government-sponsored programs or external funding partners. Applies knowledge of governmentally sponsored financing programs from agencies such as USDA Rural Development and the Small Business Administration in order to contribute the preparation, review and submission of program financing applications. Provides support for financial analysis and underwriting on a variety of Compeer and Agri-Access counterparties, including local banks, Farm Credit System entities and other funding partners. Contributes to the closing and servicing processes to ensure compliance with government regulations and reporting requirements as well as requirements specific to the financing agreements. A typical day: Industry Knowledge and Application Develops and maintains working knowledge of government guarantee financing programs (e.g., those delivered by USDA Rural Development, the Small Business Administration and federal and state agencies) and applies it to the origination and servicing of financing packages, clearly communicating program requirements and expectations to all participants. Contributes to the education of internal team members, clients/prospects and financing partners about government sponsored financing programs. Prepares and updates reference resources to help stakeholders understand program guidelines, eligibility criteria and requirements. Researches program updates, working with senior team members to summarize and communicate key changes and identify opportunities. Financing Origination Process Contributes to the preparation and submission of government guarantee program financing applications, serving as a contact with government program delivery staff and communicating directly with clients/prospects. Evaluates initial eligibility, flagging issues and ensuring that applications are accurate, complete and align with program guidelines. Resolves routine program-related matters and explains general guidelines, regulations and requirements to team members and outside partners. Escalates or provides support to senior team members in the resolution of complex issues. Reviews financing approval documentation from government agencies to ensure compliance with Compeer conditions and client expectations. Reviews legal documentation prior to closing to ensure compliance with government program approval requirements and identifies discrepancies or issues. Participates in the preparation of investment eligibility and approval requests from regulating bodies and funding bank, when applicable. May market to and participate in the performance of government guarantee packaging services for outside lenders similar to those services provided to internal team members. Financing Servicing Process Works with sales and credit teams in servicing of existing financing to monitor credit quality and compliance with financing covenants and government financing program requirements. When applicable, assists with construction monitoring duties such as draw request review and approvals, construction budget tracking and other general construction monitoring services in compliance with government financing program requirements and in collaboration with other team members. Shares ongoing reporting information with financing partners, bond trustees and other third parties involved to ensure compliance with legal documents and partner requirements. Completes reporting obligations for USDA, SBA and other governmental agencies whose financing programs are utilized. Counterparty Analysis Works jointly with lending officers to determine and request information needed to analyze current and prospective financing partners. Contributes to preparation of credit narratives for Credit Committee approval after communicating with internal and external team members. Assists with the analysis of financial statements and supporting documentation of current and prospective financing partners where recommendations are made to Credit Committee related to approval and limits of approval for counterparty financing institutions. The skills and experience we prefer you have: Bachelor's degree in business administration, finance, economics, or related field or an equivalent combination of education and experience sufficient to perform the essential functions of the job. Proficient experience in commercial lending, credit analysis, government guarantee financing program delivery or similar roles. Basic understanding of government guarantee financing programs, including those under USDA Rural Development, the Small Business Administration and other federal and state government programs, needed to educate team members and outside parties about specific government financing programs. General understanding of credit processing and financing servicing activities, accounting principles and practices, credit analysis, credit administration, construction financing monitoring and portfolio management. Collaborative team-player who can succeed in an environment where success is determined as a team. Skill in developing and maintaining interpersonal relationships inside and outside of the organization. Analytical and time management skills with attention to detail. How we will take care of you: Our job titles may span more than one career level (associate, senior, principal, etc.). The actual title and base pay offered is dependent upon many factors, such as: training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role is eligible for variable compensation and other benefits. Base Pay$66,000-$111,400 USD Compeer Financial is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Must be authorized to work for any employer in the United States. Compeer is unable to sponsor or take over sponsorship of an employment visa at this time. Click here to view federal employment laws applicable for applicants.

You will be responsible for working with our clients, foreign and domestic, and our attorneys to ensure our invoices are paid on a timely basis. Responsibilities: Process monthly domestic and foreign statements of account Process systematic collection letters for those accounts that are PAST DUE Contact individual clients directly by phone and email to resolve and collect outstanding balances Work with clients and attorneys to resolve any discrepancies with our invoices Maintain electronic collection files 6. Miscellaneous accounting tasks as required Knowledge, Skills and Abilities Required: • Two years of credit/collection experience desired • Post-secondary education preferred • Experience in the Microsoft Office Suite • Strong attention to detail and problem solving skills • Ability to organize and prioritize numerous tasks and complete them under time constraints • Ability to work independently and with minimal supervision • Excellent written communication skills required • Interpersonal skills necessary in order to communicate with a diverse group of clients, attorneys, and staff in order to provide information with courtesy and tact.

Job DescriptionCredit Analyst Christian Investors Financial Mendota Heights, MN Competitive Salary and Excellent Benefits! Do you have a passion for making a difference in the world and God's kingdom? Join the Christian Investors Financial team to help empower others and assist in providing faith-based financial solutions that serve to advance God's Kingdom! https://christianinvestors.org/ As a Credit Analyst, you will perform comprehensive credit analysis, underwriting, and reviews; then provide and present overall assessments and recommendations as to the creditworthiness of both potential and current borrowers, while ensuring the completeness and accuracy of the overall credit risk assessment through the review of both quantitative and qualitative factors. This includes financial analysis of provided financial statements and reports, the identification and assessment of key risk factors and their potential mitigation, and the communication of overall credit assessments and recommendations for the review and approval of CIF's Loan Committee. Christian Investors Financials' Mission is to provide faith-based financial solutions that serve Kingdom expansion and their values are as follows: *Stewardship * Communication * Collaboration * Curiosity Job Requirements: Committed, personal relationship with Jesus Christ Bachelor's degree in Finance, Accounting, or related Business concentration preferred Experience or training in a customer service-oriented setting. Familiarity and experience with reviewing and analyzing organizational financial statements preferred. Previous experience within a banking, credit union, or financial services environment preferred. Sufficient analytical (both quantitative and qualitative) and financial/accounting/math knowledge and skills to perform duties, and to complete and provide evaluations and recommendations Strong organizational, time management, interpersonal communication (both written and verbal), and attention to detail skills to perform duties and complete work with the necessary completeness, accuracy, and efficiency. Essential Duties and Responsibilities: Perform credit analysis, risk, underwriting, and overall assessment reviews as assigned and in collaboration with internal team members in support of CIF's Organizational Vision and Values. Including: Analyzes and evaluates the financial condition of both potential and current borrowers; reviewing completed loan applications and supporting required documentation to develop an initial assessment of credit worthiness, including both strengths and weaknesses pertaining to a borrower's current and historical financial condition. Interacts and communicates with both potential and current borrowers as appropriate to obtain answers to additional questions/clarifications, and also supplementary information required to complete the assessment. Prepares and presents overall credit assessments and recommendations, which include detailed financial statement analysis, giving and attendance trends, various organization/economic/market factors, project information if a construction credit, and in-depth analysis of the secondary sources of repayment such as collateral. Interacts and collaborates with Business Development and Loan Committee members; communicates, presents and answers questions regarding prior approved credits and those outstanding and in need of approval. Drafts and processes approved a preliminary and formal commitment to lend agreements, as well as preparation and processing of various related loan agreements, amendments, modifications, and other changes to original terms. Monitors and reviews certain identified and prioritized post-closing existing credits within the loan portfolio as needed; including monitoring of property insurance and collateral and the review and credit risk analysis of reported/discovered changes in borrower circumstances and their potential impact on prior credit assessments. Perform other duties as needs arise, including support and contributions towards CIF strategic initiatives to enhance operational effectiveness and customer experience. We Make it Easy Founded in 1901, MRA is a nonprofit employer association that serves more than 4,000 employers, covering more than one million employees. As one of the largest employer associations in the nation, MRA helps its member organizations thrive by offering the most comprehensive assortment of HR services, information, education, and resources to help build successful workplaces and a powerful workforce. We partner with these companies working directly with their HR department and leadership to hire their talent. We are a direct line to the company, not an agency recruiter. Powered by JazzHR WcvcRMVT1r

Deerwood Bank is a growing, family owned, community bank with 14 locations in Minnesota and is hiring a Credit Analyst to work in its Mendota Heights, MN branch. The individual will participate in the commercial banking process by providing research and analysis to support the Business Bankers in their underwriting decisions. Tasks associated with this position include spreading and analyzing financial statements, preparing credit approval presentations, business and guarantor cash flow analysis and financial projections as necessary. Major Responsibilities and Duties: Spread and analyze interim and year-end financial statements, borrowing base certificates, personal financial statements and tax returns, ensuring timely completion of required reports. In conjunction with Business Bankers, assist in the preparation of written commercial loan analyses in a concise but complete format identifying major trends, issues. Develop a strong foundation in analysis in order to understand and to identify credit risks. Use that foundation to make informed analysis and suggestions to the lenders. Work with Business Bankers to ensure financial information from clients and prospects is processed and distributed in an accurate, timely and consistent manner to ensure financial risk is managed appropriately. Monitor loan covenants and reporting requirements as necessary. Check covenant compliance as annual and interim financial statements are received and spread. Coordinate with other staff to ensure timely completion of month-end reporting as necessary. Build on acquired skills to analyze increasingly complex companies and industries, eventually assuming more responsibility for credit approval presentations. Learn SBA 504 and 7(a) loan parameters as well as other risk mitigation techniques and programs like USDA. Make suggestions to the Credit Officer to optimize the use of data and resources available to analyze risk. Assists Credit Officer with reporting to the Officer's Credit Committee, Director's Credit Committee, or Board of Directors on an “as needed” basis. Perform other duties as apparent or assigned. Regulatory Compliance Requirements: Responsible for meeting the requirements for all statutes/regulations pertaining to or governing their positions/departments. Independent Judgment: Must use a moderate degree of independent judgment when determining the financial risk and collateral risk associated with each transaction analyzed as well as the appropriate advance rates for type and quality of collateral and the appropriate handling of customer service issues. Must understand organizational and departmental priorities and effectively manage the workload with nominal direction. Knowledge, Skills and Abilities: College degree in business, accounting, finance or comparable employment experience. Formal credit/cash flow analysis training, and well-developed credit analysis and analytical skills. Strong interpersonal skills, with a demonstrated excellence in working effectively as an individual and as part of a team Strong personal motivation and attention to detail Understanding of economics, finance, accounting, financial statements and GAAP. Ability to discuss financial and collateral issues with Business Bankers and customers. The ability to independently prioritize work, multi-task and meet deadlines. Excellent written, verbal and analytical skills. Effective technical report writing skills Strong computer skills with experience with Microsoft Office Suite and financial spread sheet software. Work Schedule: Monday - Friday 8:00am - 5:00pm Hiring Pay Rate: $55,000 - $75,000 per year, depending on qualifications. Benefits are available to employees working 30 or more hours per week on the first of the month following date of hire. Medical insurance, including virtual telemedicine and mental health counseling Health Savings Account Flexible Spending Account (health, limited purpose health, and dependent care) Dental insurance Vision insurance Life insurance (basic and voluntary) Short-term disability insurance Long-term disability insurance Long-term care insurance Adoption Assistance Program Employee Assistance Program PTO Paid Volunteer Time Off Paid holidays 401(k) with company match (eligible on the first of the month following 2 months of employment) Financial wellness education Free or reduced fees for banking products and services Employee Referral Bonus

Old National Bank has been serving clients and communities since 1834. With over $70 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. As a trusted partner, we thrive on helping our clients achieve their goals and dreams, and we are committed to social responsibility and investing in our communities through volunteering and charitable giving. We continually seek highly motivated and talented individuals as our people are critical to our success. In return, we offer competitive compensation with our salary and incentive program, in addition to medical, dental, and vision insurance. 401K, continuing education opportunities and an employee assistance program are also included in our benefit suite. Old National also offers a variety of Impact Network Groups led by team members who are passionate about driving engagement, creating awareness of diverse backgrounds and experiences, and building inclusion across the organization. We offer a unique opportunity to join a growing, community and client-focused company that is firmly rooted in its core values. Responsibilities We are currently seeking a Senior Credit Officer that will be responsible for the daily activities of the Commercial Underwriters, maintaining an efficient workflow while promoting a collaborative experience between their direct reports, Relationship Managers, segment leadership, and other internal support areas. Within the Business Banking Credit Center (BBCC), the Senior Credit Officer oversees the underwriting of loan requests with aggregate exposures below $1 million. This individual will manage all activities of the BBCC UWs, which will include oversight of all analyst tasks and functions necessary to analyze, decision, and manage credit relationships in the Commercial portfolio, along with credit risk administration duties, orderly flow of credit approvals through the analysis process and productivity for all direct reports. Responsible to maintain loss ratios, accurately assess risk and assign the appropriate risk rating in an efficient manner following established underwriting guidelines and procedures. This position requires strong communication, leadership and critical thinking skills, thorough knowledge of industry and bank underwriting standards, and the confidence to make and support loan decisions We are an in-office working environment. This position can be located in one of the offices within our footprint. Salary Range The annual salary range for this position is $106,100 - $214,600. The base salary indicated for this position reflects the compensation range applicable to all levels of the role across the United States. Actual salary offers within this range may vary based on a number of factors, including the specific responsibilities of the position, the candidate's relevant skills and professional experience, educational qualifications, and geographic location. Key Accountabilities Ensure credit quality targets for the loan portfolio are met * Ensure analyses of underwriters are appropriate and asset quality ratings are accurate * Engage with Credit Strategy to leverage portfolio data and industry/market trends to provide administrative oversight of the Commercial loan portfolio * Ensure compliance with established corporate standards for Commercial portfolio * Understand the state of the loan portfolio, identifying areas of potential concern and growth opportunities Coach, develop and maintain a competent team of credit professionals * Develop Underwriters through appropriate training to ensure analysis on credit approval memorandums is accurate, factually correct and meets bank requirements to make fully informed credit decisions * Assist with evaluating, analyzing, and decisioning eligible loan applications while exercising granted loan authority in a responsible manner * Lead and coach a team of credit professionals and successfully motivate direct reports to perform at a high level and achieve their own performance and career objectives * Maintain and grow analytical skills and industry knowledge through internal and external training and development opportunities Maintain an environment that is collaborative, controlled, monitored, and efficient * Collaborate with staff and production peers while executing the Bank's Commercial Strategy * Empower team to engage with Commercial Relationship Managers, CBU Agents, and Documentation Specialists as applications progress through internal commercial lending processes and deploy problem solving and critical thinking skills as needed. * Complete special projects at the direction of the Bank's credit administrators, which may include action and responses to OCC exams, internal audits, and loan review reports. Key Competencies for Position Develops Talent - Optimizes talent within business area to achieve goals * Actively supports people development through formal programs as well as targeted stretch assignments * Continuously evaluates talent within business area and is quick to take action to remove barriers and close talent gaps through effective feedback and coaching * Cultivates an environment of trust and optimizes talents and capabilities within business area through a culture of continuous feedback and coaching * Actively seeks to attract and retain best-in-class, diverse talent Makes Decisions & Solves Problems - Proactively sources and analyzes comprehensive data to define and solve complex business problems that leads to sound decisions * Proactively analyzes and owns qualitative and quantitative data to define business areas problems and opportunities through effective collaboration * Collaborates to compile information needed to create a sound approach by leveraging internal and external resources * Considers business area, organizational, and individual realities along with impact on the business before developing solutions and makes sound business decisions based on a blend of analysis, wisdom, experience and judgment * Creates plan to meet goals and objectives within business areas diminishing gaps and evaluating progress along the way allowing for adjustments Delights Clients - Builds a best-in-class client experience across the business area * Fosters an environment where team members passionately serve internal/external clients with excellence * Fosters a growth mindset by keeping current with development and trends in business area and sharing information to build knowledge base of business area and enhance client experience * Understands data, metrics and/or financial information and how they tie to business outcomes related to client, business area and organization * Fosters a culture of accountability within business areas where business area nurtures client relationships by listening, prioritizing and acting responsibly to meet client needs, mitigate risk and add shareholder value Qualifications and Education Requirements * Bachelor's degree in Finance, Accounting, or related area or equivalent experience * 10 or more years of experience as a Commercial Underwriter/Analyst or related positions * Previous management or leadership experience preferred * Ability to analyze and interpret financial statements and understand complex accounting principles * Thorough knowledge of risks associated with all types of industries * Thorough knowledge of loan structuring, borrowing causes and lending standards to ensure loan applications are evaluated efficiently, effectively, and in accordance with regulations * Must possess (or willing to possess in short order) a deep understanding of ONB's Credit culture, loan policies, and loan guidelines and procedures with ability to property mitigate exceptions when granted. * Demonstrated proficiency and attention to analysis utilizing qualitative and quantitative detail Old National is proud to be an equal opportunity employer focused on fostering an inclusive workplace and committed to hiring a workforce comprised of diverse backgrounds, cultures and thinking styles. As such, all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law. We do not accept resumes from external staffing agencies or independent recruiters for any of our openings unless we have an agreement signed by the Director of Talent Acquisition, SVP, to fill a specific position. Our culture is firmly rooted in our core values. We are optimistic. We are collaborative. We are inclusive. We are agile. We are ethical. We are Old National Bank. Join our team!

WHO ARE WE: Alerus is a commercial wealth bank and national retirement provider with one core purpose: helping clients achieve their financial goals. We are driven by a shared commitment to always do the right thing; leading with integrity and providing valued advice and guidance to our clients. We value the expertise and skillsets each team member provides and encourage collaboration, innovation, adaptability, and an entrepreneurial spirit at all levels of our company. By consistently seeking improvements and growth, we foster long-term relationships with clients and team members. We are proud to be recognized as a Top Workplace by numerous industry and regional outlets. CORE VALUES: Passion for Excellence :: Success is Never Final :: Do the Right Thing :: One Alerus ABOUT THE ROLE: The Senior Credit Officer reports directly to the Chief Credit Officer and plays a key role in the loan approval process and overall portfolio management for their assigned vertical. Will be the primary contact for commercial lenders, underwriters, product specialists, and senior leadership for all new, renewals, and/or modifications of credit pertaining to C&I Middle Market lending. As such, they will be entrusted to maintain and ensure commercial extensions of credit within their purview are within Alerus' risk appetite, meet loan policy parameters and are properly managed. Position will lead and manage the underwriting team for C&I Middle Market lending, including performance management. WHAT YOU'LL BE DOING: This position is responsible for providing credit support to both Business Advisors and Underwriters on C&I Middle Market credit requests in the decisioning, administering and overseeing of commercial credit as outlined in the bank's loan policy. In partnership with the Business Advisor and Underwriter, develop a comprehensive understanding of customer's financial needs, and formulate a plan of action for loan structure, monitoring, and servicing of loan relationship. Work with Commercial Bankers and credit staff to properly structure credit requests to achieve quality loan growth. Knowledgeable of and ability to propose loan programs as appropriate (SBA, USDA, FSA, etc.) Support the bank's growth and loan quality goals by ensuring that loan policies and procedures are properly adhered to. Approve loans within the positions delegated credit authority and facilitate approvals for relationships requiring higher level of approval. Manage workflow among underwriters, conduct weekly team meetings to discuss workloads and reassign priorities as needed to ensure timely completion in line with client expectations. Provide day-to-day oversight, monitoring, and performance management of staff. Create performance plans and ensure timely reviews for all underwriting staff. Manage ongoing administration of credit relationships through oversight of annual review process, management of ticklers and payment status. Assist, as necessary, with regulatory and internal audit reviews and internal credit reviews. Participate in projects as directed by the CCO as a credit subject matter expert. WHAT YOU SHOULD HAVE: Bachelor's degree or equivalent education, including upper-level courses in finance and accounting. 10+ years of experience working in C&I commercial credit, including approval authority. 5-7 years of experience in personnel management and supervision. Strong desire to build relationships within the Alerus organization and effective working relationships with co-workers in credit and business development positions. Strong problem-solving ability. Professional customer service skills. Strong written and oral communication skills. Strong negotiation and interpersonal relationship skills. Self-starter with established ability to work effectively with minimal day-to-day supervision. WHAT WE BRING TO THE TABLE: Competitive compensation including base salary, bonus and/or incentive opportunities. Comprehensive benefits package providing a wide range of health and well-being benefits, including medical, dental, vision, life and long-term disability insurance; and 401(k) and ESOP for retirement savings. Generous paid time off programs such as flexible time off, company-paid holidays, parental and bereavement leave. Learning and development resources for personal and professional career development, and advancement opportunities. Access to financial experts for guidance, financial wellness tools, and discounts on Alerus products and services. Support for the communities we live in through paid volunteer time and a company donation match opportunity. WORK ENVIRONMENT: Work is typically performed in an office setting. The employee is regularly required to sit for extended periods of time. The employee is occasionally required to move about the office utilizing proper ergonomic safeguards when doing so. Additionally, the employee must occasionally lift or move supplies and materials up to 20 pounds. BASE PAY RANGE: $135,000 - $170,000 per year The above information in this description has been designed to indicate the general nature and level of work performed by employees in this position. It is not designed to contain or be interpreted as an exhaustive list of all responsibilities, duties, and qualifications required of employees assigned to this job. Alerus is an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

The Credit Analyst will have content expertise in the following areas and will be responsible for the following reporting and communication requirements as deemed appropriate by the Credit Manager: Review new accounts for proper credit limit and terms based on information received from customer or national data sources D&B and other credit reporting agencies. Review existing accounts within FMP's customer portfolio to ensure proper credit limits and terms are in place to support sales growth and also mitigate future downside risk. Lead, organize and/or participate in projects designed to improve the Credit onboarding processes. Work with Field Sales and Locations to review requests for extended terms on equipment purchases, marketing programs and/or other requests as presented. Receive and complete requests for customer information changes in FMP systems. Help insure the integrity of all the accounts receivable systems and processes. Assist Credit Manager as needed on projects. Effectively communicate credit management information in written or verbal manner to all levels of management as needed. Assist location managers, sales people, and customer service on credit management related issues. Respond to customer inquiries and requests in a timely manner. KNOWLEDGE, SKILLS & ABILITIES AND WORK ENVIRONMENT: Have a good knowledge of office procedures and equipment. Intermediate knowledge of Word/Excel/Outlook/Google Mail/Google Docs, working knowledge of Access is a plus. Excel knowledge should encompass high skills with pivot tables and data sorting/reporting options. Strong data entry skills, accuracy is paramount. Strong research ability, able to discover/discern information needed or provided Intermediate to Advanced PC skills utilizing various software applications and systems 10 key skills Advanced problem-solving and creative thinking skills, ability to be a good team player Must have excellent communication skills in building relationships and customer service Strong work ethic, positive attitude, customer focus Must be able to multi-task while still remaining detail oriented and self-motivated. WORK ENVIRONMENT: Work is performed 100% in a company office building. Lifting requirements of up to 25 pounds on an occasional basis may be required. Equipment used may include but is not limited to computer, typewriter, calculator, telephone, copy and fax machines. On-site position, limited opportunity for remote access due to nature of position workflow. TASKS: 80% managing customer's accounts or handling customer requests 10% assisting with corporate / departmental projects 10% other duties as assigned MINIMUM REQUIREMENTS: Associate's Degree or higher OR One - Three years of experience working in Credit Management/Accounts Receivable/Collections. Tax exemption knowledge is a plus OR An equivalent combination of education and experience We are an EEOC/AA Employer. An industry leader, FMP offers well-balanced compensation and benefits programs, which may include medical, dental, vision, life, 401K, profit sharing, paid holidays/vacation/sick time, STD/LTD, + much more. Salary is based on experience and job performance.