Credit analyst jobs in Hoover, AL

The Credit Analyst serves as a support role for bank's lending decisions by gathering and analyzing financial data to assess the creditworthiness and associated risks of potential and existing borrowers. They work under the close supervision and mentorship of senior analysts/portfolio managers and loan officers, ensuring all documentation complies with bank policies and regulations. The position is the first steppingstone in the environment of commercial lending and credit risk designed to provide the experience and tools necessary to grow within the profession and to enhance analytical, presentation, critical thinking and decisioning skills. Essential Functions: * * Analyzes financial statements to develop initial assessment by identifying strengths and weaknesses pertaining to borrower's historical performance. * Perform initial and ongoing analysis of personal and business financial statements and tax returns to assess financial condition, performance trends, and ability to repay debt. * Assist in monitoring existing credit accounts and loan portfolios for early signs of risk or changes in credit quality, tracking loan covenants and exceptions. * Generate financial ratios using computer programs to determine the degree of risk involved in extending credit. * Conducts basic industry and market research, ensure all documentation is received, complete and accurate, and adhere to internal policies, federal regulations, and lending protocols (such as OFAC and BSA). * Assists in maintaining the credit tracking system for all commercial loans. * Maintains credit files for all borrowers. * Ensures that all credit files are complete, identifies any documentation deficiencies, and reports to loan officer and credit administration as needed for timely resolution. * Coordinates with loan officers to anticipate, identify and collect documents needed for efficient and timely approvals on new and existing credits. * Assists in the preparation of credit analysis on loan requests and quarterly reviews. * Identifies exceptions to Bank policy and recommends options for mitigating those exceptions where appropriate. * Assists in recommendations of loan structures based on the borrower's need and the Bank's loan policies and guidelines. * Prepares spreadsheets, reports, summaries and opinions for lenders on new, renewal and existing loans. * Reports findings that may have an adverse effect on loan collateral or a borrower's ability to repay the loan. Will be responsible for submitting required reports, as necessary. * Completes credit specific training courses on an ongoing basis as required by the Supervisor. * Maintains a good working knowledge of the Bank's lending policies and procedures and identify exceptions to policy. * Contributes to the bank team effort by working on special projects and reports, performing other job-related duties, at the discretion of the Supervisor. Critical Success Factors: * Proactive and facilitates teamwork * Flexible and able to multi-task (adjusts to change) * Analytical skills with high attention to detail and accuracy * Technical capacity * Strong Written and Verbal Communication Skills * Time Management and Organizational Skills

The Credit Analyst will assist members with their business/commercial lending needs. This position will analyze loan requests and make recommendations for credit decisions based on established Commercial Lending Guidelines. Responsibilities Meet with loan applicants to identify their needs and collect information for loan applications. Analyze current financial position of applicants to determine the degree of risk involved in extending credit or lending money. With guidance from senior lenders, will make recommendations to approve loans or forward to committee for further review. Educates applicants/members on loan products, evaluates needs and makes appropriate loan recommendations. Prepares and/or reviews all loan documents to ensure accuracy. Ensures that each loan is processed in a timely manner based on Credit Union standards. May establish terms and conditions of an approved loan, and communicate lending decisions with borrowers. Responds to member questions and resolves any loan-related issue. Maintains up-to-date knowledge of applicable laws, regulations, and policies. Performs other duties as assigned. Requirements Bachelor's degree in finance, business, or accounting and some related work experience or an equivalent combination of education and experience. Successful candidate will have excellent verbal and written communication skills, and will excel working in a team environment. Must be able to maintain a thorough knowledge of applicable regulations and Credit Union policy. Must be detail-oriented.

Spokane, Washington residents: If a street address is not available, enter N/A when completing a job application. At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One. **Job Description** Manages a staff of professional Credit Analysts who are responsible for determining what information is necessary for performing a credit quality analysis and gathering, analyzing and interpreting that information. May involve analyzing either an existing loan portfolio or a prospective loan in order to maximize credit quality and minimize risk and potential losses. Acts as a consultant in the area of credit quality analysis and develops and communicates a consistent way of evaluating credit quality within the organization. Manages the design, development and implementation of computer systems used for managing credit information and analyzing credit data. Basic Qualifications - Bachelor's degree, or equivalent work experience - Eight to 10 years of relevant experience Preferred Skills/Experience - Thorough knowledge of credit, accounting, credit policy and financial statement analysis - Proficient analytical skills related to reviewing various forms of asset collateral documentation - Well-developed ability to analyze credit decisions, including consumer, commercial, real estate and international finance - Strong management, organizational and leadership skills - Effective interpersonal and verbal and written communication skills - Two to four years of leadership experience If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (****************************************************************************** . **Benefits:** Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours): + Healthcare (medical, dental, vision) + Basic term and optional term life insurance + Short-term and long-term disability + Pregnancy disability and parental leave + 401(k) and employer-funded retirement plan + Paid vacation (from two to five weeks depending on salary grade and tenure) + Up to 11 paid holiday opportunities + Adoption assistance + Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. **E-Verify** U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (********************************************************************** . The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $98,175.00 - $115,500.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. **Posting may be closed earlier due to high volume of applicants.**

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: The Commercial Credit Officer (CCO) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients. Products include lines of credit, term loans, real estate loans, and syndicated loans. The CO manages all of the ancillary credit exposure to clients. The CO maintains knowledge of other BofA products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This role reports to the Commercial Credit Manager or Executive and will be aligned to an Underwriting Team that supports the market. Responsibilities: Manages the credit process for a portfolio of clients Negotiates credit documentation Leads the credit and risk approval processes Builds relationships with existing and prospective clients Mentors and supports associates Provides capital structure solutions Skills: Client Solutions Advisory Financial Analysis Loan Structuring Risk Management Underwriting Account Management Credit Documentation Requirements Credit and Risk Assessment Decision Making Issue Management Analytical Thinking Coaching Collaboration Critical Thinking Customer and Client Focus Required Qualifications: 10+ years of solid Commercial Banking experience Experience in financial analysis, structuring, underwriting and portfolio management Analytical/technical skills, including financial accounting, modeling and loan structuring Strong communication skills; ability to communicate vertically, horizontally, and externally Industry knowledge across multiple sectors Minimum Education Requirement: BA/BS Degree Desired Shift: 1st shift (United States of America) Hours Per Week: 40

Responsible for monitoring, evaluating, and interpreting data on the Bank's Commercial Loan portfolio as it relates to the Credit Risk Rating Framework including preparation of trend analysis, exposure limits and various risk identification reports. Develop tools allowing for the monitoring of movements in the portfolio, identify emerging risks and make recommendations to management. Leverage risk experience and business knowledge to assist in planning initiatives to accomplish enterprise-wide goals around the Commercial Portfolio. **Primary Responsibilities:** + Contribute to the effective management of commercial credit risk by supporting the Risk Rating Framework through analytical practices, adherence to regulatory guidance, and understanding of M&T Credit Culture. + Assist with the review of the Probability of Default and Loss Given Default Masterscales, and the use of scorecards to assign credit risk ratings. Recommend improvements to Credit Risk Management. + Support the PD and LGD Masterscales through large commercial datasets using statistical analysis in Statistical Analysis System (SAS), PYTHON or similar tool to properly compare estimates to historical performance. Communicate analytical results to Bank-wide stakeholders. + Collaborate with Model Risk Management to ensure compliance with model governance requirements, including documentation updates, performance monitoring and validation support for department-owned models. + Provide financial analysis and data support to other groups/departments across the Bank as required. + Develop Knowledge around various Banking Regulatory requirements. Regularly present portfolio risk summaries and dashboards to management and governance committees. + Lead special projects as requested by Management. + Leadership/mentor junior staff. + Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. + Promote an environment that supports belonging and reflects the M&T Bank brand. + Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. + Complete other related duties as assigned. **Supervisory/ Managerial Responsibilities:** N/A **Education and Experience Required:** Bachelor's Degree in a Business or Mathematics-based or related Disciple, or in lieu of degree four- or five-years' credit risk, financial or business analysis experience. Five years' relevant experience in Banking, Risk or Finance analysis or a related field. Five years' experience preparing written documentation and/or papers/publications. Statistical Analysis System (SAS), PYTHON or similar tool **Education and Experience Preferred:** MBA preferred. Development of Statistical Models M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $74,600.00 - $124,400.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Job DescriptionOur client is a growing super regional full-service bank encompassing Private Banking, Lending, Branch, Brokerage, Trust, Credit, and Insurance. Due to its active growth in key markets across the U.S. we have been asked to exclusively identify candidates in the Birmingham metro market. Our client is seeking a Senior Advisor/ Banker who leads with investments. Manage, develop and retain full-service relationships with both UHNW & HNW clients. Must have strong COI's and or an established book of clients within the Sarasota/Fort Myers metro market and be able to self source. Work within a business model that strengthens collaborations between internal departments, teams and specialists to maximize cross-selling opportunities. Provide integrated financial services advice to these clients including banking, credit, asset management, and trust and estate planning. Work collaboratively and proactively with branches and regional teams to identify and generate referrals. Proactively develop internal and external networks for referral sources that generate prospects and create visibility in the marketplace. Provide financial advice and counsel to clients and prospective clients regarding trends and conditions of the business environment and general banking trends. Actively participate in community and business functions/groups. Possess a self-motivated, highly driven, and entrepreneurial personality. Required Experience: Bachelor's degree with 7+ years' experience in the wealth management industry as either a Financial Advisor, Private Banker, or Relationship Manager with proven track record of generating an AUM exceeding 100M USD or T-12 of at least 350K USD. Must have Series 7 and 66 or equivalent as well as insurance licenses for Life, Health, and Variable products Compensation will be tailored to the individual

At First Horizon Bank Operations, we are on a mission to deliver a seamless customer experience. We are passionate about doing things right and doing the right things. We collaborate with each other and with our internal business partners to delight our customers. We believe in creating an environment where everyone's ideas are valued so that the team operates at its best. Our team members serve with humility and a deep commitment to their responsibility to be the best at serving their customers one opportunity at a time. Summary The Credit Analyst position is an important piece to the underwriting/credit analysis process. Credit Analysts in the CCL assist the Underwriting and Relationship Managers with a multitude of front-end work to help provide a quick and efficient client experience. This position is within the Centralized Commercial Lending (CCL) team. This person will be expected to provide support for commercial lending portfolios within the footprint. Work is expected to be performed within a production-based environment to include, but not limited to financial statement spreading and completion of the CCL's standard cash flow template. Key Responsibilities * Spread financial statements and tax returns. * Create Global Cash Flows for borrowers, guarantors, and prospects * Due Diligence including verifying 4506-Cs, ordering tax transcripts, performing background checks. * Assist underwriters with loan requests on both the new money and renewal side. * Communicate with RMs, client specialists, and underwriters to ensure that deals are progressing as intended. * Request missing documentation when necessary. * Participate in special projects and assignments and other duties as needed. Requirements * Bachelor's degree is required. A degree in a related business discipline is preferred (Finance, Accounting, etc.) * At least 1 year of relevant experience preferred, or an equivalent combination of education and experience * Experience with Microsoft Outlook, Word, Excel, and PowerPoint * Experience with nCino and Moody's CreditLens a plus * Understanding of financial ratios * Ability to communicate effectively. * Ability to read, analyze, and interpret financial reports; analyze and evaluate information, solve problems and achieve goals. About Us First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ********************* 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

The Credit Manager will be responsible for approving or declining and issuing lines of credit to customers; conducting credit investigations, ensuring customers with delinquent accounts are contacted and proper collections procedures are followed. Helps process credit application in store or over the phone, take payments on accounts and types sales contracts. Conducts daily collection calls to customers with payments due or to customers with past due accounts via telephone and home visits as needed. Skills: Outstanding customer service skills Excellent verbal and written communication Basic reading, numerical reasoning and comprehension skills Great listening ability Good telephone etiquette Ability to complete paperwork in an accurate, neat and efficient manner Good organization skills Ability to work variable hour schedule High School Diploma or equivalent Valid Drivers License Employee Benefits: Employee Stock Ownership Plan (ESOP) 401K Plan with Employer Matching Funds Group Medical, Dental and Life Insurance Annual Paid Vacation Paid Sick Leave Additional Voluntary Insurance Programs Available Paid Holidays, including the Employee's Birthday Employee Purchase Discounts Ongoing Training Programs ** Benefit offerings for positions other than Full-Time may vary

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice. Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions' Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system. **Job Description:** At Regions, the Annuity Suitability Review Analyst reviews submitted contracts for placement to insurance carriers and accepts or denies requests. **Primary Responsibilities** + Reviews insurance and annuity contracts sold by licensed bankers, related to age, time horizon, income need, liquidity, and investment experience to determine suitability + Approves or denies investments on behalf the insurance carrier + Serves as the internal client contact to address documentation issues or suitability concerns + Responsibility for ensuring customers correctly understand insurance and annuity contracts + Mitigates customer risk by anticipating customer concerns and questions, and determining if the product is suitable for the customer + Monitors business unit activity to ensure compliance with laws, regulations, and internal procedures + May receive instruction from senior analysts This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay. **Requirements** + High School Diploma or GED **Preferences** + Life Insurance License **Skills and Competencies** + Ability to clearly communicate with various levels of management regarding any issues that arise + Ability to think critically and exercise sound judgement + Compliance understanding of insurance rules as well as product knowledge + Understanding of suitability as it relates to annuity sales to customers + Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.) _This position may be filled at a higher level depending on the candidate's qualifications and relevant experience._ _Regions will not sponsor applicants for work visas for this position. Applicants for this position must be currently authorized to work in the United States on a full-time basis._ **Position Type** Full time **Compensation Details** Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job. The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position. **Job Range Target:** **_Minimum:_** $47,142.70 USD **_Median:_** $59,700.00 USD **Incentive Pay Plans:** This job is not incentive eligible. **Benefits Information** Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. (******************************************************************** Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions. + Paid Vacation/Sick Time + 401K with Company Match + Medical, Dental and Vision Benefits + Disability Benefits + Health Savings Account + Flexible Spending Account + Life Insurance + Parental Leave + Employee Assistance Program + Associate Volunteer Program Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions' benefits, please click or copy the link below to your browser. ************************************************************* **Location Details** Riverchase Complex North Building **Location:** Hoover, Alabama Equal Opportunity Employer/including Disabled/Veterans Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.

Job DescriptionDescription: The purpose of this classification is to perform work functions associated with locating, notifying, and securing payments from customers with delinquent accounts. ESSENTIAL FUNCTIONS The following duties are normal for this position. The omission of specific statements of the duties does not exclude them from the classification if the work is similar, related, or a logical assignment for this classification. Other duties may be required and assigned. Sends text messages, mails form letters and/or late charge notices to customers to encourage payment of delinquent accounts. Confers with customers by text or telephone attempting to determine reason for overdue payment, reviewing terms of sales, service, or credit contract with customer in an attempt to gain payment. Documents all correspondence and attempted correspondence with customers concerning accounts. Receives payments and posts amount paid to customer's account. Responsible for maintaining and balancing their assigned cash drawer ensuring that the drawer is locked and the key removed when the drawer is left unattended. The key will remain in the possession of the employee assigned to that cash drawer by the Store Manager. Travels to customers' homes as required to collect on late payments; assists with repossessions of merchandise, if necessary, upon approval of the Store Manager. Prepares paperwork prior to legal action to be initiated against severely late-paying customers. Initiates credit investigations by telephone for new credit account applicants under the direction of the Credit Manager. Logs details of work activities on a daily, weekly, and monthly basis. Receives various documentation and reports; reviews, processes, responds, distributes, forwards, files, maintains, and/or takes other action as appropriate. Operates a personal computer, printer, calculator, copy machines, telephone, or other equipment as necessary to complete essential functions, to include the use of word processing, spreadsheet, database, or other system software. Logs customer service requests into PQA and schedules merchandise repairs for customers. Assist customers on the sales floor as assigned by management to include participation in the sales floor rotation, greeting customers, demonstrating products, completing sales write ups, and updating CRM. Maintains an acceptable sales quota as established in weekly, monthly, and annual store goals as assigned by the Store Manager. Complies with Store Operations Customer Service Counter and Telephone Standards. Upholds and promotes our H.O.M.E. values: Helping others, developing Ordinary people to do extraordinary things, being a Motivated owner that cares, and Ensuring that excellence is a habit personally and for those entrusted to them to lead. ADDITIONAL FUNCTIONS Assists in other store departments as required. Performs other related duties as required. Requirements: MINIMUM QUALIFICATIONS High School Diploma or GED required; six months experience in payment collections or general office procedures; or any combination of training, experience and education which provides the required knowledge, skills, and abilities for this position. Must possess and maintain a valid State Driver's License. PERFORMANCE APTITUDES Data Utilization: Requires the ability to review, categorize, prioritize, and/or analyze data. Includes exercising discretion in determining data classification, and in referencing such analysis to established standards for the purpose of recognizing actual or probable interactive effects and relationships. Human Interaction: Requires the ability to provide guidance, assistance, and/or interpretation to others regarding the application of procedures and standards to specific situations. Equipment, Machinery, tools, and Materials Utilization: Requires the ability to operate, maneuver and/or control the actions of equipment, machinery, tools, and/or materials used in performing essential functions. Verbal Aptitude: Requires the ability to utilize a wide variety of reference, descriptive and/or advisory data and information. Mathematical Aptitude: Requires the ability to perform addition, subtraction, multiplication, and division; the ability to calculate decimals and percentages; the ability to utilize principles of fractions; the ability to interpret graphs. Functional Reasoning: Requires the ability to carry out instructions furnished in written, oral, or diagrammatic form. Involves semi-routine standardized work with some latitude for independent judgment concerning choices of action. Situational Reasoning: Requires the ability to exercise judgment, decisiveness and creativity in situations involving the evaluation of information against measurable or verifiable criteria. Farmers Furniture is an Equal Opportunity Employer. The Company is committed to maintaining an environment free of harassment and discrimination. ADA COMPLIANCE Physical Ability: Tasks require the ability to exert moderate physical effort, though not constant physical effort, typically involving some combination of climbing and balancing, stooping, kneeling, crouching, and crawling, and which may involve some lifting, carrying, pushing and/or pulling of objects and materials of moderate weight (12-50 pounds). Sensory Requirements: Some tasks require the ability to perceive and discriminate colors or shades of colors, sounds, depth, and visual cues or signals. Some tasks require the ability to communicate orally. Environmental Factors: Performance of essential functions may require exposure to adverse environmental conditions, such as dirt, dust, temperature extremes, electric currents, or toxic agents/chemicals. Farmers Furniture is an Equal Opportunity Employer. In compliance with the Americans with Disabilities Act, the Company will provide reasonable accommodations to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.

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

Job DescriptionDescription: The Credit/Cash Application Clerk will be responsible for all posting customer payments, bank deposits and all cash application necessary to enter, post, and reconcile batches, research and resolve customer A/R issues, prepare aging reports, issuing debit/credit memos, while assisting with calling trade references, collection calls, and maintain customer credit files. We are looking for a self-starter with great attention to detail with the requirements listed below. Duties & Responsibilities: Assist the credit department in the credit application process, customer accounts, and collections to ensure compliance with all policies and procedures. Team player that supports the credit team but can also operate independently and are a self-starter. Work with the Credit Team to assist, research/resolve payment disputes and issues, and follow up with sales and customers regarding problems. Will be responsible for all cash application and processing and issuing debit/credit memos. Assist the Credit Team in managing accounts, including an ongoing review of accounts, payments, credit reports, issues, etc. Assist the Credit Team with customer collections to ensure timely collections of receivables from open A/R to ensure compliance with credit terms. Assist the Credit Team with credit hold/release of accounts and orders. Will be responsible for all posting customer payments and deposits, and research and resolve customer A/R issues as it relates to short pays and payment deductions. Requirements: Qualifications & Skills: Detail oriented, strong organizational skills, good judgment, multitasking ability, and strong customer service communication Strong time management skills General accounting knowledge Computer skills including Microsoft Word, especially Excel. Qualifications AA and/or 5+ years of previous credit/cash application experience with some work and experience in the credit/collections field. Education & Experience High School Diploma or equivalent required License & Certification Valid Driver's License Working Conditions: Work is normally performed in an office environment. Moderate noise associated with an office environment is expected. Physical Requirements: Prolonged periods of sitting at a desk and working on a computer Must be able to lift to 15 pounds Regular and predictable attendance is required

Birmingham, Alabama **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (************************************************************************************************** **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Job Description:** The Commercial Credit Officer (CCO) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients. Products include lines of credit, term loans, real estate loans, and syndicated loans. The CO manages all of the ancillary credit exposure to clients. The CO maintains knowledge of other BofA products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This role reports to the Commercial Credit Manager or Executive and will be aligned to an Underwriting Team that supports the market. **Responsibilities:** + Manages the credit process for a portfolio of clients + Negotiates credit documentation + Leads the credit and risk approval processes + Builds relationships with existing and prospective clients + Mentors and supports associates + Provides capital structure solutions **Skills:** + Client Solutions Advisory + Financial Analysis + Loan Structuring + Risk Management + Underwriting + Account Management + Credit Documentation Requirements + Credit and Risk Assessment + Decision Making + Issue Management + Analytical Thinking + Coaching + Collaboration + Critical Thinking + Customer and Client Focus **Required Qualifications:** + 10+ years of solid Commercial Banking experience + Experience in financial analysis, structuring, underwriting and portfolio management + Analytical/technical skills, including financial accounting, modeling and loan structuring + Strong communication skills; ability to communicate vertically, horizontally, and externally + Industry knowledge across multiple sectors **Minimum Education Requirement:** BA/BS Degree Desired **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

If you enjoy interacting with people, providing outstanding customer service, meeting a challenge and are looking for a rewarding career in collections, Farmers home Furniture may have a place for you on our team! Skills: Outstanding customer service skills Excellent verbal and written communication Basic reading, numerical reasoning and comprehension skills Great listening ability Good telephone etiquette Ability to complete paperwork in an accurate, neat and efficient manner Good organization skills Ability to work variable hour schedule High School Diploma or equivalent Valid Drivers License Employee Benefits: Employee Stock Ownership Plan (ESOP) 401K Plan with Employer Matching Funds Group Medical, Dental and Life Insurance Annual Paid Vacation Paid Sick Leave Additional Voluntary Insurance Programs Available Paid Holidays, including the Employee's Birthday Employee Purchase Discounts Ongoing Training Programs **Benefit offerings for positions other than Full-Time may vary

Job DescriptionDescription: The purpose of this classification is to perform work functions associated with coordinating, overseeing and managing accounts receivable and collection duties. The person in this position will be responsible for approving or declining and issuing lines of credit to customers; conducting credit investigations; and following proper credit approval procedures that limit losses while growing the store's accounts receivable. This person would also ensure that customers with delinquent accounts are contacted and proper collection procedures are followed. ESSENTIAL FUNCTIONS The following duties are normal for this position. The omission of specific statements of the duties does not exclude them from the classification if the work is similar, related, or a logical assignment for this classification. Other duties may be required and assigned. Supervises, directs, and leads assigned staff, processing employee concerns and problems, directing work, , disciplining, and provides general guidance as to attain efficient office and credit operations. Manages and oversees the activities and operations of the accounts receivable and collection areas. Reviews and evaluates applications; investigates and verifies financial status and reputation of prospective customers applying for credit; prepares documents to substantiate findings; recommends rejection or approval of credit applications; establishes credit limitations on customer's account. Contacts customers by telephone and/or text to determine reason for overdue payment, reviewing terms of sales, service, or credit contract with customer in an attempt to gain payment; mails form letters, texts, and/or late charge notices to customers to encourage payment of delinquent accounts; travels to customers' homes to collect on late payments; assists with repossessions of merchandise as necessary; ensures payments are posted to customer's account. Ensures all correspondence and attempted correspondence with customers concerning accounts is properly documented. Reviews and analyzes collection reports to ascertain status of collections and balances outstanding and to evaluate effectiveness of current collection policies and procedures. Reviews delinquent account records to determine which customers must be contacted for collection of overdue accounts; organizes collection workload according to degree and amount of delinquency; determines which accounts to delegate to assigned staff for collection. Prepares paperwork prior to legal action to be initiated against severely late-paying customers; Submits delinquent accounts to attorney or outside agency for collection with prior approval of the Store Manager. Customer files must be stored in a fireproof cabinet and maintained in alphabetical order. Customer files should be filed based on the current status of the account as follows: Active, Paid Out, Charge-Off, Repo, and Bankrupt. These cabinets should be located in an office or other area that is not accessible to the public. In the course of business, as customer files are used in credit approval and customer service capacities, the files should remain in the office area. At no time, should customer files be handled, used, or stored on the sales floor areas. Refers to and follows all other areas of Handling Customer Files and Personal Information Procedure. Responsible for office organization, ensuring that each day's bookkeeping workload including customer files are filed away accordingly by the end of each business day. Implements and uses the company's Bookkeeping Checklist when completing the daily bookkeeping work. All cash receipts must be deposited to the store's bank account in a night deposit bag on the day it is received. If possible, the cash drawer fund should also be left in a bank night depository. Leaves cash drawers empty and open each night. Any time the cash drawer is left unattended, the drawer must be locked and the key removed. The key will remain in the possession of the employee assigned responsibility for that cash drawer by the Store Manager. Refers to and follows all other areas of ARS 15. Collects on returned checks and delinquent accounts. Maintains a work environment free of legally prohibited discriminatory practices and sexual harassment. Completes, prepares, reviews, and/or approves a variety of forms, logs, requests, records, reports, correspondence, and other documents associated with daily responsibilities of this position; oversees maintenance of accurate files and administrative records. Operates a calculator, copy machine, telephone, or other equipment as necessary to complete essential functions. Upholds and promotes our H.O.M.E. values: Helping others, developing Ordinary people to do extraordinary things, being a Motivated owner that cares, and Ensuring that excellence is a habit personally and for those entrusted to them to lead. ADDITIONAL FUNCTIONS Performs the duties of the Store Manager as required Assists in other store departments as required. Performs other related duties as required. Requirements: MINIMUM QUALIFICATIONS High School Diploma or GED required; three (3) years experience in accounting/bookkeeping, loan processing, and/or collections; or any combination of training, experience and education which provides the required knowledge, skills, and abilities for this position. Must possess and maintain a valid State Driver's License. PERFORMANCE APTITUDES Data Utilization: Requires the ability to evaluate, audit, deduce, and/or access data using established criteria. Includes exercising discretion in determining actual or probable consequences and in referencing such evaluation to identify and select alternatives. Human Interaction: Requires the ability to function in a managerial capacity for a division or organizational unit. Includes the ability to make decisions on procedural and technical levels. Equipment, Machinery, tools, and Materials Utilization: Requires the ability to operate, maneuver and/or control the actions of equipment, machinery, tools, and/or materials used in performing essential functions. Verbal Aptitude: Requires the ability to utilize a wide variety of reference, descriptive and/or advisory data and information. Mathematical Aptitude: Requires the ability to perform addition, subtraction, multiplication, and division; the ability to calculate decimals and percentages; the ability to utilize principles of fractions; the ability to interpret graphs. Functional Reasoning: Requires the ability to interpret instructions furnished in written, oral, diagrammatic, or schedule form; the ability to apply principles of rational systems; and to exercise independent judgment to adopt or modify methods and standards to meet variations in assigned objectives. Situational Reasoning: Requires the ability to exercise judgment, decisiveness and creativity in situations involving the evaluation of information against sensory, judgmental, or subjective criteria, in addition to that which is clearly measurable or verifiable. Farmers Furniture is an Equal Opportunity Employer. The Company is committed to maintaining an environment free of harassment and discrimination. ADA COMPLIANCE Physical Ability: Tasks require the ability to exert moderate physical effort, though not constant physical effort, typically involving some combination of climbing and balancing, stooping, kneeling, crouching, and crawling, and which may involve some lifting, carrying, pushing and/or pulling of objects and materials of moderate weight (12-50 pounds). Sensory Requirements: Some tasks require the ability to perceive and discriminate colors or shades of colors, sounds, depth, and visual cues or signals. Some tasks require the ability to communicate orally. Environmental Factors: Performance of essential functions may require exposure to adverse environmental conditions, such as dirt, dust, temperature extremes, electric currents or toxic agents/chemicals. Farmers Furniture is an Equal Opportunity Employer. In compliance with the Americans with Disabilities Act, the Company will provide reasonable accommodations to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.

The Credit/Cash Application Clerk will be responsible for all posting customer payments, bank deposits and all cash application necessary to enter, post, and reconcile batches, research and resolve customer A/R issues, prepare aging reports, issuing debit/credit memos, while assisting with calling trade references, collection calls, and maintain customer credit files. We are looking for a self-starter with great attention to detail with the requirements listed below. Duties & Responsibilities: Assist the credit department in the credit application process, customer accounts, and collections to ensure compliance with all policies and procedures. Team player that supports the credit team but can also operate independently and are a self-starter. Work with the Credit Team to assist, research/resolve payment disputes and issues, and follow up with sales and customers regarding problems. Will be responsible for all cash application and processing and issuing debit/credit memos. Assist the Credit Team in managing accounts, including an ongoing review of accounts, payments, credit reports, issues, etc. Assist the Credit Team with customer collections to ensure timely collections of receivables from open A/R to ensure compliance with credit terms. Assist the Credit Team with credit hold/release of accounts and orders. Will be responsible for all posting customer payments and deposits, and research and resolve customer A/R issues as it relates to short pays and payment deductions. Requirements Qualifications & Skills: Detail oriented, strong organizational skills, good judgment, multitasking ability, and strong customer service communication Strong time management skills General accounting knowledge Computer skills including Microsoft Word, especially Excel. Qualifications AA and/or 5+ years of previous credit/cash application experience with some work and experience in the credit/collections field. Education & Experience High School Diploma or equivalent required License & Certification Valid Driver's License Working Conditions: Work is normally performed in an office environment. Moderate noise associated with an office environment is expected. Physical Requirements: Prolonged periods of sitting at a desk and working on a computer Must be able to lift to 15 pounds Regular and predictable attendance is required

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

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: The Commercial Credit Officer (CCO) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients. Products include lines of credit, term loans, real estate loans, and syndicated loans. The CO manages all of the ancillary credit exposure to clients. The CO maintains knowledge of other BofA products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This role reports to the Commercial Credit Manager or Executive and will be aligned to an Underwriting Team that supports the market. Responsibilities: * Manages the credit process for a portfolio of clients * Negotiates credit documentation * Leads the credit and risk approval processes * Builds relationships with existing and prospective clients * Mentors and supports associates * Provides capital structure solutions Skills: * Client Solutions Advisory * Financial Analysis * Loan Structuring * Risk Management * Underwriting * Account Management * Credit Documentation Requirements * Credit and Risk Assessment * Decision Making * Issue Management * Analytical Thinking * Coaching * Collaboration * Critical Thinking * Customer and Client Focus Required Qualifications: * 10+ years of solid Commercial Banking experience * Experience in financial analysis, structuring, underwriting and portfolio management * Analytical/technical skills, including financial accounting, modeling and loan structuring * Strong communication skills; ability to communicate vertically, horizontally, and externally * Industry knowledge across multiple sectors Minimum Education Requirement: BA/BS Degree Desired Shift: 1st shift (United States of America) Hours Per Week: 40

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