Credit analyst jobs in Iowa - 30 jobs

Full-time Description Responsible for collecting data from new and existing loan customers in order to perform analysis of financial information and creditworthiness and to assist in the administration of commercial loan accounts. Responsible for the training of Credit Analyst I and II's to help develop other possible career paths within the Bank; commercial lending, residential lending, consumer lending private banking, or audit. ESSENTIAL DUTIES AND RESPONSIBILITIES The essential functions include, but are not limited to the following: Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. Spread appropriate financial data using CASH software program Generate financial ratios, using computer programs to evaluate customer's financial status Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industry Analyze data such as income growth, quality of management, and market share to determine expected profitability of loans Draft credit analysis memos for annual review, new request and modification Prepare recommendations to Commercial Loan Officer regarding loan structure terms, and conditions Request and communicate with customers, accountants, and attorneys regarding questions on financials, business structure and other necessary documentation. Confidentiality and integrity are of the utmost importance Coordinate the ordering of loan documentation and assist in the documentation of loans to evidence debt, including perfection of security interests Keep informed of market and economic conditions that may impact customers and the related credit risk and other professional banking issues Prepare and review various reports Research industry, market, or other data as needed Compile data for accountants as requested by Loan Officer Complete references of customer as requested by Loan Officer Identify opportunities to refer customers and/or potential customers to other departments for services that may meet their needs Consult with customers to resolve complaints and verify financial and credit transactions Perform on-site inspections at customer locations to determine customer performance Assist with interviews and the selection process for hiring new employees for the credit department Recommend and implement changes or procedures for the credit department-i.e. software, write-up templates, training, etc. Assign duties to credit analyst I and II's based on skills and experience Facilitate performance reviews in accordance with quality and quantity requirements Recommend transfer or promotion within the credit department Administer discipline to correct misconduct or inadequate performance of job duties with the authority to recommend discharge of employees within the credit department Provide superior level of customer relations and promote customer service through coaching, guidance, and motivation ADDITIONAL RESPONSIBLITIES Perform other related duties and responsibilities as assigned by management. Requirements EDUCATION & EXPERIENCE Bachelor's degree required or equivalent work experience Minimum of five (5) years of experience in similar job duties Central Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, disability, medical condition, sexual orientation, gender identity, status as a protected veteran, or any other characteristic protected by law. We make all reasonable accommodations to meet the obligations under the Americans with Disabilities Act (ADA) and applicable state disability laws.

What You'll Do We are looking to hire an Associate Private Credit Analyst to support our investment grade private credit investment strategy! Primarily, you will perform in depth, bottom-up fundamental research on an assigned coverage universe and make investment recommendations to the portfolio management team. You will be responsible for the initial development of company valuation models and underwriting memorandums and will have the opportunity to contribute to other facets of the team's investment process. Additional: Evaluate private placement transactions, both investment and non-investment grade and including traditional private placements, infrastructure, structuring commitments, closing transactions, managing and monitoring existing investments Build financial models with both historical performance and pro forma projections Develop and maintain relationships with sources of deal flow Identify quality businesses with above average fundamentals long term investment horizon (typically 3-5 years) Make long-term investment recommendations for multiple portfolios Monitor existing investments within their assigned sector coverage Work with Head of Private Credit by making buy or pass recommendations Principal Asset Management is the global investment solutions business for Principal Financial Group (Nasdaq: PFG), managing about $580 billion in assets and over 60 years of experience. Principal Asset Management has been recognized as a "Best Places to Work in Money Management" for 14 consecutive years! Check us out at www. principalam. com! Who You Are Who You Are Bachelor's degree in technical field (i. e. finance, accounting, economics, statistics, engineering, data science, business analytics) 2+ years' experience in fixed income strategies in credit analysis, investment banking, private credit, or a related field Strong proficiency with Excel and financial modeling Financial statement analysis and credit risk assessment experience Skills That Will Help You Stand Out Experience in investment-grade lending, corporate credit analysis, or private placements Experience with the infrastructure sector MBA or CFA (or progress towards) Familiarity with credit analysis tools and databases such as S&P Capital IQ, Moody's, or Bloomberg Accounting experience Demonstrated understanding of economics and investment theories An understanding of debt structures, interest rates, and market conditions affecting investment-grade credit Strong understanding of the private credit transaction process, including structuring, negotiation, and documentation Ability to build and maintain strong relationships with borrowers, sponsors, and external parties Salary Range Information Salary ranges below reflect targeted base salaries. Non-sales positions have the opportunity to participate in a bonus program. Sales positions are eligible for sales incentives, and in some instances a bonus plan, whereby total compensation may far exceed base salary depending on individual performance. Actual compensation for all roles will be based upon geographic location, work experience, education, licensure requirements and/or skill level and will be finalized at the time of offer. Salary Range (Non-Exempt expressed as hourly; Exempt expressed as yearly) $123000 - $167000 / year Time Off Program Flexible Time Off (FTO) is provided to salaried (exempt) employees and provides the opportunity to take time away from the office with pay for vacation, personal or short-term illness. Employees don't accrue a bank of time off under FTO and there is no set number of days provided. Pension Eligible No Location(s) The position will be based out of Des Moines, IA. You can check out what our Global Headquarters in Des Moines looks like here: Work Environments This role offers the ability for in-office or four days in-office and one day remote. You'll work with your leader to figure out which option may align best based on several factors. Work Authorization/Sponsorship At this time, we're not considering applicants that need any type of immigration sponsorship (additional work authorization or permanent work authorization) now or in the future to work in the United States. This includes, but IS NOT LIMITED TO: F1-OPT, F1-CPT, H-1B, TN, L-1, J-1, etc. For additional information around work authorization needs please use the following links. Nonimmigrant Workers and Green Card for Employment-Based Immigrants Investment Code of Ethics For Principal Asset Management positions, you'll need to follow an Investment Code of Ethics related to personal and business conduct as well as personal trading activities for you and members of your household. These same requirements may also apply to other positions across the organization. Experience Principal At Principal, we value connecting on both a personal and professional level. Together, we're imagining a more purpose-led future for financial services - and that starts with you. Our success depends on the unique experiences, backgrounds, and talents of our employees. And we support our employees the same way we support our customers: with comprehensive, competitive benefit offerings crafted to protect their physical, financial, and social well-being. Check out our careers site to learn more about our purpose, values and benefits. Principal is an Equal Opportunity Employer All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Posting Window We will accept applications for 3 full days following the Original Posting Date, after which the posting may remain open or be removed based upon applications received. If we choose to post the job again, we will accept additional applications for at least 1 full day following the Most Recently Posted Date. Please submit applications in a timely manner as there is no guarantee the posting will be available beyond the applicable deadline. Original Posting Date 1/12/2026 Most Recently Posted Date 1/12/2026 LinkedIn Hashtag #LI-MT1

Additional Considerations (if any): - At Midwest Heritage, the core of our culture is taking care of the customer and taking care of each other. Our employees appreciate that their contributions make a direct impact on the success of our business as well as their own personal and professional growth. Midwest Heritage Job Title: Credit Analyst II Department: Banking FLSA: Exempt General Function The Credit Analyst II is responsible for conducting basic to moderately complex credit analysis consisting of gathering, analyzing and interpreting credit information for existing and prospective customers in order to assess credit quality and to minimize risk and potential loss on commercial, real estate, agricultural, non-profit and personal loans. Core Competencies Detail Oriented Strong Communication Time Management Administrative Duties Analytical and Critical Thinking Reporting Relations Accountable and Reports to: Senior Credit Officer Positions that Report to you: None Primary Duties and Responsibilities: Analyze, evaluate and assess financial statements and other related data/information including projections, sensitivity analysis, cash flow, repayment collateral, loan relationships, problem credits, etc. to determine credit worthiness of general to complex credits per loan policy. Obtain information from customers and vendors. Present loan presentations to lender and/or assist with presentation to loan committee. Identify risks and make recommendations to lenders regarding findings and working with customers, issues, data, etc. Evaluate and monitor various industries, market trends, economic risks, and other related factors and make recommendations to lender and/or loan committee including ways to improve risk management processes. Prepare and present credit write-up. This will include a summary of credit risks, identification of loan policy exceptions, proposed improvements to loan structure, and assessment of the loan rating. Mentors and trains less experienced peers. Knowledge, Skills, Abilities, and Worker Characteristics: Commitment to the Midwest Heritage mission and willingness to promote the values of the organization. Strong organizational and time management skills with the ability to prioritize multiple tasks and meet deadlines. Proficient computer skills. Microsoft Office preferred (Outlook, Power Point, Excel and Word.) Good verbal and written communication skills. Strong interpersonal skills; ability to relate to and interact with people in a friendly, professional manner. Strong detail orientation including the ability to review forms for accuracy and completeness. Education and Experience: Bachelor's Degree in Accounting, Finance, Business or related field. 2+ years' experience in credit administration and risk analysis. Formal credit administration training preferred. Physical Requirements: This position is classified sedentary/light and requires the ability to sit for long periods of time. Visual requirements include the ability to see detail at near range with or without correction. Must be able to perform the following physical activities: sitting for long periods, talking (in person and by telephone), hearing and repetitive motions. Working Conditions: The duties of this position are normally performed in a general office setting. This is a fast-paced work environment. There is frequent pressure to meet deadlines and handle multiple projects in a day. Equipment Used to Perform Job: Computer (PC with Microsoft Office programs), telephone, calculator, telephone, copier, fax, and printer. Contacts: This position works with Midwest Heritage employees, bank customers, Hy-Vee employees, vendors and outside agents doing direct business with Midwest Heritage. Confidentiality: This position has the responsibility to protect the privacy and confidentiality of customers, employees and bank/insurance/financial information at all times.

WHO WE ARE Helena Agri-Enterprises, LLC is a leading full-service agronomic solutions provider that's been in business since 1957. Our first location was in West Helena, Arkansas hence the name "Helena". We now have close to 450+ locations nationwide and over 6,000 employees. Our corporate office is located in Collierville, Tennessee, a suburb outside of Memphis. Year after year we rank at the top nationally for volume and sales in our industry. There are many facets to our company including product development, sales, operations, precision technology and manufacturing, just to name a few. ABOUT THE JOB The Credit Analyst works with the division credit team to assemble and review customer financial information and evaluate their financial position as it relates to accounts with credit limits in excess of $25,000. This position also runs various reports and reviews them with locations as directed by the Credit Manager. WHAT YOUR DAY WILL LOOK LIKE Works with the credit team to analyze all credit information to determine accuracy for customer credit approvals. Reviews various requests such as rebates and refund requests and approves these requests within the level of authority set by company policy ($1 - $25,000) and gathers supplemental information as needed. Complies, reviews and submits third party financing applications as needed within limits of authority. Supports credit operations in the annual renewal of all vendor prepay line approvals for prepay limits of $250,000 and above. Assists with the testing, implementation and training of various Oracle and other system projects. Collaborates with other work teams on enhancements, quality control and testing and implements best practices consistent with Helena's credit policy. Ensures that credit file requirements are current and in proper order to pass the file review conducted by the asset securitization auditors. Provides support and direction to division credit teams and other Helena departments regarding credit related matters consistent with Helena's credit policy. Acts as a liaison between IT, accounting, treasury, legal and the credit teams. Carries out authority consistent with the company's approval levels on all refund requests, rebates requests and prepay requests. Provides excellent customer service to all internal and external customers. Other work-related duties as assigned by your leader. Regular and reliable attendance is required. Follows all company policies and procedures. EDUCATION & EXPERIENCE Bachelor's degree in finance, accounting or related field is required. One year of work-related experience or five years of non-clerical work related experience is required. SKILLS & QUALIFICATIONS NACM, CBA or CBF certifications are preferred. Working knowledge of Pivot Tables. Decision making skills. Analytical skills. Ability to read, write and speak in English is required. Communicating in Spanish is a valuable skill at Helena. Computer skills including working knowledge of Microsoft Office are required. Successful completion of a drug test and background check is required for all positions at Helena. WORK ENVIRONMENT & PHYSICAL ASPECTS OF THE JOB The work environment for this position is that of a typical office environment where the noise level is mostly quiet. This position requires you to use your hands for many different tasks and to talk, hear, walk, stand and sit. You may be occasionally required to lift or move up to 10 pounds. BENEFITS AT HELENA Health, Dental & Vision Insurance STARTS THE SAME DAY YOU DO! Earn up to $3,000 in Reward Dollars from Helena for your Health Savings Account (HSA). Helena's robust 401(k) Savings Plan offers you a 100% company-match up to 5% starting on your first day. As your years of service with Helena increase, so does our company-match - up to 10% based on your contribution amount. Three-year vesting on company-match with 1,000 hours of service. Access your earned pay between paydays through Earned Wage Access (EWA) with DailyPay. Up to 15 days paid time-off plus 9 paid holidays. Free Term Life Insurance at 1x your annual base pay - paid for by Helena at no cost to you. Free Short & Long-Term Disability. Up to four weeks of paid Parental Leave. Education Assistance. And much more! For more detailed information about our benefits, visit helenacareers.com/benefits. STAY CONNECTED TO THE HELENA POWERHOUSE! Follow us on social @HelenaCareers or visit us at helenacareers.com. Helena supports individuals with disabilities, and reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions. Helena is an equal opportunity employer.

Our risk management team is looking for a lending Credit Risk Analyst for our home improvement loan platform. This role is responsible for implementing and monitoring lending strategy, loan decision automation, lending performance dashboards and ad-hoc reporting. RESPONSIBILITIES Act as subject matter expert for credit analysis and credit rules automation by interacting with IT, data and business intelligence teams Develop and maintain reporting, automation and dashboards for the consumer loan portfolio. Support risk forecasting by maintaining loan loss and prepayment models• Support credit policy and underwriting by monitoring and developing strategies and reporting Support to create credit policy and procedures for loan approval, origination and work out QUALIFICATIONS AND REQUIRED SKILLS Expertise with MS Excel 2+ years' experience in a financial-analysis or data-analysis role Analytical coding experience using financial, actuarial, economic or behavioral data 4yr degree in a Finance, engineering or analytical STEM degree, or equivalent education Expertise writing SQL for queries and data extraction Strong analytical acumen, understanding of distributions, sets, arrays and identifying and managing data impacts caused by Bayesian or selection bias Confident working independently, detailed oriented, meticulous with data integrity VALUED KNOWLEDGE AND SKILLS Coding tools: SQL, PC SAS or R, and rules engine automation Microsoft Power stack (PowerBI, PowerQuery, PowerPivot, PowerAutomate) Useful domains: API, JSON, Visual Studio, Python, M language, general ledger Experience with lending data system architecture or online servicing business automation WORK EXAMPLES / PENDING PROJECTS Work with Data and BI to deploy enhanced portfolio delinquency reporting dashboard Create credit risk waterfall reporting for strategy management Work with Data to structure an end-to-end data cube for ad-hoc and predictive analytics Work with IT to develop workflow for managing API automation between three systems Create risk monitoring dashboards to track model population stability Develop and deploy custom strategy scorecard solutions, such as predicting household income

The Analyst - Loan Servicing is responsible for supporting agriculture loan transactions to ensure alignment with legal documents and policy. This role provides frontline service and manages relationships with attorneys, investors, field servicers, borrowers, and other agriculture loan professionals. The Analyst - Loan Servicing understands the dynamic relationships in agriculture lending among borrowers, field servicers, investors, tenants, and other related parties. With Whom You Will Work The position will report directly to the Senior Manager - Closing and Servicing. The position will liaison with other members of the Operations team as well as Client Services, Farm and Ranch Credit, Business Development, and Legal departments.. Where and When You Will Work The position will be based in the Farmer Mac Johnston, Iowa, location. Core business hours are Monday through Friday 8:00 am to 5:00 p.m. Central. This position may need to be available on occasion outside of the core business hours and/or business days for planned and unplanned activities to complete time sensitive projects or to attend off-site meetings and events.. Primary Responsibilities and Duties Evaluate and prepare loan recommendations to Credit Servicing on non-routine matters, including Change in terms and/or maturity date Collateral substitution Consent Death of a borrower, transfer of ownership interest Loan assumption Partial releases, substitution of property, condemnation, easements Product conversion Release of funds held in escrow for tenant improvements or holdback Subordination agreement Perform calculations for Debt Service Payments Revolver draws/paydowns Early Payoffs Default Maturity Answer calls and email from borrowers or field servicers promptly Is responsible for annual certification and taxes, insurance, and UCC with field servicers Work closely with Legal and make recommendations on borrower situations (e.g., change in guarantor) to ensure alignment with all loan documents and policy expectations Oversee collection of payments, future loan maturities, and delinquent loans Complete changes due to service actions on loans in the servicing software to ensure maximum utilization is achieved for billing and reporting Maintain loan files with documentation of items that occur after loan closing Review boarding of new loans and prepare investor-related reports Assist with testing of new versions of servicing software Assist with internal and external audits and reviews Assist with training and staff development, monitoring workloads and job priorities for the servicing area. Participate in the formulation of policy and procedures Provide back-up to colleagues in Loan Closing and Servicing team Perform other duties as assigned Desired Skills and Qualifications Experience in customer service Ability to perform loan-related calculations Outstanding knowledge of Microsoft Office Suite Excellent communication and interpersonal skills Organized with the ability to prioritize and multi-task Reliable and professional Ability to work in a fast-paced environment while providing strong attention to detail Knowledge of the following documents Legal Closing Appraisals Environmental Knowledge of loan modification process is preferred Education/Experience Bachelor's degree with paralegal certification (preferred) plus 3 years commercial or agriculture mortgage servicing experience; or equivalent combination of education and experience. Experience with taxes, insurance, and UCC verification is preferred. Our compensation philosophy is targeted pay positioning relative to peers, our industry, and external markets. Farmer Mac is committed to a compensation program that will enable the organization to attract, motivate, reward, and retain highly skilled and creative talent to maintain sustained long-term performance and achieve the organization's strategic business objectives. The typical base pay range for this role is $57,000 to $67,000 per year. Compensation will vary based on experience and geographic work location.

We are seeking a Financial Officer - Market for a sales focused role responsible for marketing and promoting all the organization's core products, focused on deepening wallet share and cross-sell opportunities and responsible for retention. The assigned portfolio will consist of mid-to-large sized operations that currently have a stable relationship with FCSAmerica. Experienced officers, often with a breadth of first-hand credit experience and an expert in the industry, are skilled at taking care of customer relationships. This role has a deep product & credit depth, indexes high on communication and acts as a trusted advisor as well as building holistic relationships with customers and prospects.

Description: Raccoon Valley Bank is seeking a full-time Credit Analyst for its Grimes, Iowa location. The Credit Analyst assists the Commercial and Agricultural Lenders in the administration of their portfolios by completing financial statement spreading, analysis, and preparing loan presentations for submission for approval. The Credit Analyst understands the Bank's Loan Policy and risk rating systems in order to assist Lenders with policy exception identification and accuracy of relationship risk rating. ESSENTIAL DUTIES, RESPONSIBILITIES AND KEY ACCOUNTABILITIES 1) Excellent internal and external customer service and communication skills required (both written and oral); ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, and governmental regulations. 2) Ability to collect data and calculate and interpret mathematical functions necessary for the responsibilities of this position and draw valid conclusions. 3) Assess the creditworthiness of loan applicants, judging their suitability as borrowers as well as the precise terms (interest rate, repayment schedule, etc.) on which credit may be granted to them. 4) Ability to write reports, business correspondence, and procedure manuals; ability to effectively present information and respond to questions from managers, clients, customers, and the public. 5) Excellent organizational skills, attention to detail, proficient computer skills. General knowledge of Excel, Word and Web Equity/Lending Cloud experience preferred but not required. 6) Comply with regulatory rules and regulations, evidenced through successful completion of training and demonstrated ability. Topics include but are not limited to Bank Secrecy Act, Anti-Money Laundering, Ethics, Office of Foreign Asset Control (OFAC), etc. 7) Always reflect a positive image for the Bank by exuding professional demeanor and contributing to community involvement. 8) Keep abreast of current industry trends, regulatory issues, and overall economic environment. Cross-markets bank's products and services as appropriate. 9) Review and prepare written analysis, spreadsheets, reports, summaries, and opinions. Prepare or assist in the preparation of loan memos for the appropriate approval level. 10) Obtain loan request information from commercial lender or borrower to analyze credit information, financial statements and other related information pertaining to the loan. 11) Order residential and commercial appraisals and conduct an appraisal review once the appraisal is received back from the Appraiser. 12) Assist with other credit activities including, but not limited to, property inspections, construction advances, tickler items and exam preparation. 13) Perform other duties as assigned by management based on abilities and performance. Requirements: QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION and/or EXPERIENCE Bachelor's degree (B.A. or B.S.) in finance, accounting, or business-related field required. Two to three years' experience of banking experience or related experience and/or training preferred. Computer and data processing literacy required, including adept experience with Microsoft Office programs and Fiserv software. Experience with Moody's Analytics Lending Cloud is helpful, but not required. Bank regulation and compliance is required. Mathematical, organizational, and verbal and written communication skills required. Must be highly motivated with good communication skills, able to work independently, and capable of executing tactical plans in line with strategic objectives. LANGUAGE SKILLS Ability to read, analyze, interpret, and implement regulations and laws, general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, policy, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the public. MATHEMATICAL SKILLS Ability to apply mathematical operations including but not limited to variance analysis, factor analysis, correlation techniques, sampling theory and sensitivity analysis. REASONING ABILITY Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions and/or problems and deal with several abstract and concrete variables. CERTIFICATES, LICENSES, REGISTRATIONS Valid driver's license required for travel to Bank offices, training sessions, customer meetings, Bank meetings, and community meetings, etc. Ability to speak a foreign language helpful but not required. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit; use hands to finger, handle, or feel; and reach with hands and arms. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, or crouch. The employee must regularly lift and/or move up to 10 pounds and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, and depth perception. Must be willing to office out of the Grimes, IA Branch Office location and travel as necessary. Must be willing to work more than 40 hours per week and on some weekends as required. WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is occasionally exposed to moving mechanical parts and outside weather conditions. The noise level in the work environment is usually moderate. _____________________________________ The above statements are intended to describe the general nature and level of work being performed by the person assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Further, this job description is not intended to limit or in any way modify the right of any supervisor to assign, direct and control the work of any employee under his/her supervision. I further understand that employment is at the will of the employer and either the employer or the employee may at any time terminate the employment with or without cause. I further understand that no representations, promises, or commitments made by supervisors or other company representatives relating to this position or duration of employment are binding on the company. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.

Accenture is a leading global professional services company that helps the world's leading businesses, governments and other organizations build their digital core, optimize their operations, accelerate revenue growth and enhance citizen services-creating tangible value at speed and scale. We are a talent and innovation led company with 750,000 people serving clients in more than 120 countries. We combine our strength in technology with unmatched industry experience, functional expertise and global delivery capability. We are uniquely able to deliver tangible outcomes because of our broad range of services, solutions and assets across Strategy & Consulting, Technology, Operations, Industry X and Accenture Song. These capabilities, together with our culture of shared success and commitment to creating 360° value, enable us to help our clients succeed and build trusted, lasting relationships. As of 2023, we have been recognized among Fortune's World's Most Admired Companies for 20 consecutive years. And that's just the beginning. Your career is about what you want to be and who you want to be. It's about bringing your skills, your curiosity, and your best true self to your work. Visit us at ****************** We Are: In today's world, business leaders want to rapidly and confidently reinvent to increase resilience, mitigate risk, and grow with sustainable value. That's where Accenture Strategy & Consulting comes in. We bring together strategic visionaries, industry experts, practitioners from across every enterprise function, business intelligence professionals, change specialists, data and AI authorities, and many other specialized skills to co-create each client's unique path to reinvention. You will be a trusted partner to business leaders, working with a diverse team of experts to deliver successful tech-enabled transformation and new kinds of value for your clients. Join our global network of people using the latest assets, platforms and partnerships to help bring ideas to life. Strategy & Consulting is one of five services that make up one Accenture - the others are Operations, Technology, Song and Industry X. Management Consulting professionals design and implement transformation programs that integrate strategy, technology, and operations to create enterprise value for clients. Accenture is growing our practice to help our clients navigate their transformational journeys. You Are The candidate will be a Manager within the Commercial Banking Consulting practice with a focus on Business and Technology Transformation within the wholesale lending industry. The Commercial Credit Consultant designs and implements business changes that drive industry-specific, function and digital operating model transformation, focusing on task relating to people and process. Large wholesale lenders are investing heavily in modernizing their business, technology, and data to optimize straight-through processing, enhance client and employee experience, and reduce cost of ownership. Accenture is growing our practice to help our client navigate their transformational journeys. The Commercial Credit Manager will be focused on supporting the development of our lending offerings and the delivery of transformational consulting projects. The Commercial Credit Manager will be focused on supporting the development of our offerings and the delivery of consulting projects. Responsibilities may include: + Support Commercial Credit Transformation programs - including operating model and technology implementations . + Design next generation experiences and platforms for commercial lending clients. + Manage all parts of projects, from client buy-in to planning, budgeting, and execution. + Source and coordinate work from other internal workforces. + Develop of our next generation Wholesale credit technology offerings. + Become a trusted advisor for C-suite clients looking to solve critical business problem. + Drive business development to originate new client opportunities. + Build your reputation as an industry thought leader. + + Travel, as required, up to 80%, in the United States and Canada. Here's What You Need: + Minimum of 5 years relevant professional services firm experience in technology or management consulting with broad experience in engagement management and business development + Minimum of 5 years of equivalent of commercial credit industry (sales, underwriting. closing, servicing, portfolio management) industry experience + Demonstratable experience being part of an nCino or Salesforce project delivery project or consulting engagement for commercial lending + A Bachelor's degree Bonus Points if you have: + Extensive transformation strategy or operating model design experience in commercial banking. + Launched new product offerings in the banking industry. + Demonstrated experience developing and managing relationships with senior client executives. + Successful track record of leading complex management and/or technology consulting engagements across the delivery lifecycle. + nCino or Salesforce certification(s) + Hands on experience with additional commercial lending industry platforms, e.g., Moody's, Blooma, Built + French language skills + An advanced degree or financial industry certification + Built next generation analytic capabilities (e.g., predictive, generative, or agentic AI) for commercial lending. Professional Skills + Proven ability to operate within a collaborative environment. + Demonstrated commitment, teamwork, and collaboration in a professional setting; either military or civilian. + High energy level, focus and ability to work well in demanding client environments. + Excellent communication (written and oral) and interpersonal skills. + Strong leadership, problem solving, and decision-making abilities. + Unquestionable professional integrity, credibility, and character. Compensation at Accenture varies depending on a wide array of factors, which may include but are not limited to the specific office location, role, skill set, and level of experience. As required by local law, Accenture provides a reasonable range of compensation for roles that may be hired as set forth below.We accept applications on an on-going basis and there is no fixed deadline to apply. Information on benefits is here. (************************************************************ Role Location Annual Salary Range California $94,400 to $293,800 Cleveland $87,400 to $235,000 Colorado $94,400 to $253,800 District of Columbia $100,500 to $270,300 Illinois $87,400 to $253,800 Maryland $94,400 to $253,800 Massachusetts $94,400 to $270,300 Minnesota $94,400 to $253,800 New York/New Jersey $87,400 to $293,800 Washington $100,500 to $270,300 Requesting an Accommodation Accenture is committed to providing equal employment opportunities for persons with disabilities or religious observances, including reasonable accommodation when needed. If you are hired by Accenture and require accommodation to perform the essential functions of your role, you will be asked to participate in our reasonable accommodation process. Accommodations made to facilitate the recruiting process are not a guarantee of future or continued accommodations once hired. If you would like to be considered for employment opportunities with Accenture and have accommodation needs such as for a disability or religious observance, please call us toll free at **************** or send us an email or speak with your recruiter. Equal Employment Opportunity Statement We believe that no one should be discriminated against because of their differences. All employment decisions shall be made without regard to age, race, creed, color, religion, sex, national origin, ancestry, disability status, veteran status, sexual orientation, gender identity or expression, genetic information, marital status, citizenship status or any other basis as protected by federal, state, or local law. Our rich diversity makes us more innovative, more competitive, and more creative, which helps us better serve our clients and our communities. For details, view a copy of the Accenture Equal Opportunity Statement (******************************************************************************************************************************************** Accenture is an EEO and Affirmative Action Employer of Veterans/Individuals with Disabilities. Accenture is committed to providing veteran employment opportunities to our service men and women. Other Employment Statements Applicants for employment in the US must have work authorization that does not now or in the future require sponsorship of a visa for employment authorization in the United States. Candidates who are currently employed by a client of Accenture or an affiliated Accenture business may not be eligible for consideration. Job candidates will not be obligated to disclose sealed or expunged records of conviction or arrest as part of the hiring process. Further, at Accenture a criminal conviction history is not an absolute bar to employment. The Company will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. Additionally, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the Company's legal duty to furnish information. California requires additional notifications for applicants and employees. If you are a California resident, live in or plan to work from Los Angeles County upon being hired for this position, please click here for additional important information. Please read Accenture's Recruiting and Hiring Statement for more information on how we process your data during the Recruiting and Hiring process.

TITLE: SFG Credit Analyst DEPARTMENT: Specialty Finance Group The SFG Credit Analyst is responsible for providing support to the SFG Credit Manager by performing a variety of administrative, analytical, and reporting tasks related to the management of the SFG credit portfolio. ESSENTIAL FUNCTIONS: * Manage the SFG construction draw review process, including reviewing submitted draw requests, packaging approval requests, and working with SFG Admin to process draws and disburse funds. * Manage the portfolio tracking process, including gathering and entering data in the financial statement, borrowing base, covenant, marketable securities, and guidance line tracking reports; barcoding financial statements and preparing, reviewing, and distributing the monthly tracking report. * Assist the SFG team with underwriting, including project and financial analysis of new project requests. * Interact and collaborate with loan administrative staff and/or loan officers to provide timely responses to internal and external customer inquiries and servicing needs. * Assist the SFG Credit Manager with projects and analysis relating to the macro SFG portfolio as necessary. * Support the leadership teams as appropriate. * Comply with all company or regulatory policies, procedures and requirements that are applicable to this position. * Foster and preserve a culture of inclusion. * Additional duties and responsibilities may be required to support the company's mission, vision and values. QUALIFICATIONS: * Bachelor's degree in accounting, business administration or related field; or equivalent combination of education and experience required. * Minimum one to two years of analytical experience. * Previous banking experience preferred. * Capability to work and collaborate with a variety of individuals and groups in a constructive and professional manner. * Excellent organizational skills with the ability to organize and manage a variety of projects and tasks. * Capability to manage sensitive information and uphold confidentiality. * Demonstrated strong math skills and ability to organize and analyze complex financial information. * Capability to utilize various banking software and Microsoft 365 products, with a high level of accuracy and attention to detail. * Strong verbal, written and interpersonal communication skills. WORKING CONDITIONS: * Duties are performed in a professional office environment. At QCR Holdings, Inc. we are committed to fostering and preserving a culture of inclusion and strongly believe that it's our differences - of all kinds - that make our company and our communities better and stronger. QCR Holdings, Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, disability, age, sexual orientation, gender identity, national origin, veteran status, or other protected class status. It is the policy of QCR Holdings, Inc. to comply with the Americans with Disabilities Act by providing reasonable accommodations to enable qualified individuals with disabilities to access the job application and interview process, to perform the essential functions of the job, and to receive equal access to other benefits and privileges of employment.

Established in 1991, Collabera has been a leader in IT staffing for over 22 years and is one of the largest diversity IT staffing firms in the industry. As a half a billion dollar IT company, with more than 9,000 professionals across 30+ offices, Collabera offers comprehensive, cost-effective IT staffing & IT Services. We provide services to Fortune 500 and mid-size companies to meet their talent needs with high quality IT resources through Staff Augmentation, Global Talent Management, Value Added Services through CLASS (Competency Leveraged Advanced Staffing & Solutions) Permanent Placement Services and Vendor Management Programs. Collabera recognizes true potential of human capital and provides people the right opportunities for growth and professional excellence. Collabera offers a full range of benefits to its employees including paid vacations, holidays, personal days, Medical, Dental and Vision insurance, 401K retirement savings plan, Life Insurance, Disability Insurance. Position Details: Industry Manufacturing Work Location Johnston IA 50131 Job Title Credit & Collections Analyst Duration 4 Months (Strong possibility of extension) Job Description • Will support delinquent customers across all products by identifying the customer's issues and supporting them by educating, motivating and taking action to resolve delinquent accounts while retaining our customers. In addition, will: use telephone negotiating techniques to build and maintain company, customer and dealer relationships • Review payment history and account information • Update/confirm debtor information • Negotiate payment plan modifications according to established policies and procedures • Administer collection efforts within federal and state regulations and company policy • Assist with account resolutions for misapplied cash and refers problem accounts to supervisors • We need an excellent communicator, both verbal and written, who thrives on solving problems and working in a global team environment. Qualifications • A Bachelor's degree in business or a related discipline is required. We also require: Minimum of at least 1 year of experience in customer service • Ability to remain seated for long periods of time to perform telephone work in a call center environment • Capacity to quickly change focus on work activities • Strong computer aptitude with the ability to learn quickly and apply new knowledge; familiar with both mainframe and software applications A strong candidate will also have: Knowledge of negotiation techniques • Familiarity with the client's financial policies and procedures regarding collections. Additional Information To know more on this position or to schedule an interview please contact: Monaliza Santiago ************

Job Description Come join our team and become a BankIowan! We are currently looking for a Business Banking Officer for our Cedar Valley Market. We offer a competitive salary, annual performance bonus, charity donation match, volunteering opportunities and many more employee perks! Position Summary: Responsible for the management, retention, and expansion of a commercial business portfolio which meets established lending requirements of BankIowa and provides maximum profitability to BankIowa with understood and managed risk. Build existing and new relationships through business development, referral and calling efforts to market BankIowa and cross sell BankIowa products and services. Primary Accountabilities and Responsibilities: Accountability 1: 50% Weighting. Perform sales duties. Sales calls include calls to individuals and companies with no relationship to BankIowa, calls to solicit new business from individuals and companies with or without loan or depository relationships, responding to in-person and/or phone customer/commercial inquiries, and calling on existing customers to maintain positive contact and provide information about products and services. Ensure the fullest integration of BankIowa products and services with existing customer relationships to meet the needs of the Bank's clients. Make joint calls with individuals from other departments. Emphasis will be business development of business loans, business DDA's and ACH services, Remote Deposit Capture, On-Line Banking, and Positive Pay products. Additional business development will include referrals resulting in new Retail & residential Real Estate accounts, Trust and Investment accounts, and new or expanded Insurance accounts. Track sales efforts and report results monthly. Accountability 2: 30% Weighting. Manage, maintain, develop, and grow a business banking portfolio of less than $10MM. Interview loan applicants, collect and analyze financial data to determine creditworthiness. Establish and negotiate terms under which credit can be extended. Make, approve, and close loans up to lending limit. Solicit higher authority when necessary. Perform and monitor all necessary documentation including completion of portfolio management reports and duties. Produce fee income for various loan services and increase net interest margin on loan portfolio. Participate with and make presentations to Loan Committee. Advise clients on business management and financial matters. Accountability 3: 20% Weighting. Service and manage a business banking portfolio. Monitor portfolio credit quality and proactively identify and report potential high-risk problem situations. Make recommendations and offer solutions to reduce bank risk resulting in lesser past dues, classified loans, charge offs, and bank losses. Handle collections of delinquent loans including correspondence, follow up, phone calls and/or attorney work and foreclosure. Secondary Duties and Responsibilities: Comprehend and comply with all pertinent Bank Secrecy Act/OFAC/CIP policies and procedures. Complete annual training. Report findings from Watch List meetings to the Board. Complete annual compliance training as required by laws, regulations, and bank policy. Stay abreast of regulations and legislations as well as other political and policy-making events that directly affect the financial institution. Actively participate in local business and community activities and maintain close contact with customers and prospects. Education, Experience, and Other Requirements: Bachelor's degree in Finance, Accounting, or a related field preferred Five years banking or related experience preferred Extensive knowledge of banking policies and procedures Good managerial, communication, and public relations skills Performance Measures: Growth of the business loan portfolio, fee income, and Net Interest Margin. Increase in Business deposits. Increase in ACH, remote deposit, online banking, and positive pay products. Increase in referrals resulting in new Residential Real Estate, Retail, Trust, Discount Brokerage, and Insurance accounts. Adhere to the credit quality thresholds and standards established and set forth annually by bank management. Physical Environment: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Performance of the job will include physical duties commensurate with a general office environment. The employee must occasionally lift and/or move up to ten pounds. This position description describes the general nature and level of work performed by the individual assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability. This position description does not constitute an employment agreement between the employer and employee and is subject to change by the employer as the needs of the employer and requirements of the position change.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. Responsibilities: Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities Assists, educates, and trains clients on conducting simple transactions through self-service technologies Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements Required Qualifications: Minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment In lieu of one year of sales experience, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I) or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months Enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client Collaborates effectively to get things done, building and nurturing strong relationships Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives Confident in identifying solutions for helping new and existing clients based on their needs Strong written and verbal communications skills Can communicate effectively and confidently and is comfortable engaging all clients (in-person and by phone) Ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances Applies strong critical thinking and problem-solving skills to meet clients' needs Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws) Must be able to work weekends and/or extended hours and travel to any financial center location within a reasonable distance Desired Qualifications: Associate's Degree or Bachelor's Degree in business, finance or a related field Experience working in a financial center where goals were met or exceeded Retail and/or sales experience in a salary plus incentive environment Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded Experience with financial information, spreadsheets and financial skills Knowledge of banking products and services Strong computer skills including Microsoft applications and previous experience utilizing laptop technology Skills: Active Listening Business Acumen Customer and Client Focus Oral Communications Problem Solving Account Management Client Experience Branding Client Management Client Solutions Advisory Relationship Building Business Development Pipeline Management Prospecting Referral Identification Referral Management Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40

**Location:** This role requires associates to be in-office **1 - 2** days per week, fostering collaboration and connectivity, while providing flexibility to support productivity and work-life balance. This approach combines structured office engagement with the autonomy of virtual work, promoting a dynamic and adaptable workplace. **Alternate locations may be considered if candidates reside within a commuting distance from an office.** _Please note that per our policy on hybrid/virtual work, candidates not within a reasonable commuting distance from the posting location(s) will not be considered for employment, unless an accommodation is granted as required by law._ The **Credit & Collections Specialist Senior** will be responsible for complex collection activities related to past due health insurance premiums and/or past due health insurance claims. A proud member of the Elevance Health family of companies, Paragon Healthcare brings over 20 years in providing life-saving and life-giving infusible and injectable drug therapies through our specialty pharmacies, our infusion centers, and the home setting. **How you will make an impact:** + Follows established guidelines, contacts group for the purpose of collecting past due insurance premiums and/or past due health insurance claims. + Researches validity of past due and/or disputed debt. + Generates demand letters. + Prepares reports reflecting status of credit and collection activities for management review. **Minimum Requirements:** Requires a H.S. diploma or equivalent and a minimum of 2 years of commercial debt collection experience; or any combination of education and experience, which would provide an equivalent background. **Preferred Skills, Capabilities, and Experiences:** + Healthcare/claims experience preferred. For candidates working in person or virtually in the below location(s), the salary* range for this specific position is $20.05/hr to $31.45/hr. **Locations:** California; Colorado; Illinois; Minnesota In addition to your salary, Elevance Health offers benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). The salary offered for this specific position is based on a number of legitimate, non-discriminatory factors set by the Company. The Company is fully committed to ensuring equal pay opportunities for equal work regardless of gender, race, or any other category protected by federal, state, and local pay equity laws _._ * The salary range is the range Elevance Health in good faith believes is the range of possible compensation for this role at the time of this posting. This range may be modified in the future and actual compensation may vary from posting based on geographic location, work experience, education and/or skill level. Even within the range, the actual compensation will vary depending on the above factors as well as market/business considerations. No amount is considered to be wages or compensation until such amount is earned, vested, and determinable under the terms and conditions of the applicable policies and plans. The amount and availability of any bonus, commission, benefits, or any other form of compensation and benefits that are allocable to a particular employee remains in the Company's sole discretion unless and until paid and may be modified at the Company's sole discretion, consistent with the law. Please be advised that Elevance Health only accepts resumes for compensation from agencies that have a signed agreement with Elevance Health. Any unsolicited resumes, including those submitted to hiring managers, are deemed to be the property of Elevance Health. Who We Are Elevance Health is a health company dedicated to improving lives and communities - and making healthcare simpler. We are a Fortune 25 company with a longstanding history in the healthcare industry, looking for leaders at all levels of the organization who are passionate about making an impact on our members and the communities we serve. How We Work At Elevance Health, we are creating a culture that is designed to advance our strategy but will also lead to personal and professional growth for our associates. Our values and behaviors are the root of our culture. They are how we achieve our strategy, power our business outcomes and drive our shared success - for our consumers, our associates, our communities and our business. We offer a range of market-competitive total rewards that include merit increases, paid holidays, Paid Time Off, and incentive bonus programs (unless covered by a collective bargaining agreement), medical, dental, vision, short and long term disability benefits, 401(k) +match, stock purchase plan, life insurance, wellness programs and financial education resources, to name a few. Elevance Health operates in a Hybrid Workforce Strategy. Unless specified as primarily virtual by the hiring manager, associates are required to work at an Elevance Health location at least once per week, and potentially several times per week. Specific requirements and expectations for time onsite will be discussed as part of the hiring process. The health of our associates and communities is a top priority for Elevance Health. We require all new candidates in certain patient/member-facing roles to become vaccinated against COVID-19 and Influenza. If you are not vaccinated, your offer will be rescinded unless you provide an acceptable explanation. Elevance Health will also follow all relevant federal, state and local laws. Elevance Health is an Equal Employment Opportunity employer and all qualified applicants will receive consideration for employment without regard to age, citizenship status, color, creed, disability, ethnicity, genetic information, gender (including gender identity and gender expression), marital status, national origin, race, religion, sex, sexual orientation, veteran status or any other status or condition protected by applicable federal, state, or local laws. Applicants who require accommodation to participate in the job application process may contact ******************************************** for assistance. Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state, and local laws, including, but not limited to, the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act.

GreatAmerica Financial Services is a highly successful entrepreneurial company providing equipment financing to businesses across the United States. Our exemplary customer service, our principle-centered business philosophy and our team-based operating approach are key to our success and growth. We Are Looking to Add a Key Member to our Team as a Large Transaction Credit Analyst! Credit underwriting at GreatAmerica is an exciting and challenging career that allows you to research and analyze businesses across a variety of situations and industries. About this position: We are looking to add an experienced Credit Analyst to our team. The Large Transaction Credit Analyst role is responsible for underwriting moderately complex six-figure and above commercial credit applications supporting our vendor partners selling equipment and other solutions into numerous markets across the United States The individual in this role will assess creditworthiness through in-depth industry and financial analysis, established through research utilizing sources of business credit, management profiles, general industry analysis, cash flow ability, collateral, and financial statements or tax returns as applicable, to make independent decisions or recommendations to extend credit based upon their evaluation. Our typical Large Transaction Credit Analyst credit analyst could work on multiple credit applications each day, dependent on complexity. The role provides a broad foundation for risk management within GreatAmerica, supporting career advancement as desired. Our best credit analysts are eager to influence their own development, maintain a “can do” attitude, responds well to challenges, and excel at thinking on their feet while making prudent decisions. Primary Responsibilities Perform direct and thorough investigation and obtain relevant credit information to formulate credit decisions within established risk tolerances and prescribed time frames, providing written analysis and justification for the decision. Review and analyze financial statements or tax returns as applicable. Monitor changing economic and/or industry conditions and adjust underwriting appropriately. To be successful in the Credit Analyst role, you'll need: A bachelor's degree with a major or minor in Finance, Accounting, Economics, or related field. Demonstrated interpersonal skills are a must as GreatAmerica takes pride in providing an excellent customer experience during every interaction. Excellent analytical ability, enjoy making independent decisions, and the ability to process information quickly. Understanding of financial statements is a plus. Experience in commercial lending required. Sharing rewards is an integral part of our culture. We believe in the value of hard work and reward our employees beyond the paycheck. Our total rewards package is based on eligibility and includes: Financial Benefits Competitive Compensation Monthly Bonuses for Eligible Employees 401(k) and Company Match Annual Profit Sharing Paid Time Off Health, Wellbeing, and Family Planning Benefits Paid Vacation - starting at 80 hours annually for employees in their first year of service. Paid Sick Days - Ten (10) per year with a conversion option for unused time. Ten (10) Paid Holidays per year Gym Reimbursement Health Insurance Dental Insurance Vision Insurance Short-Term and Long Term Disability Company Paid Life Insurance Flexible Spending Accounts (FSA) Health Savings Accounts (HSA) Employee Assistance Program Parental Leave Education and Career Planning Benefits Tuition Assistance Networking Opportunities Leadership Development Opportunities Perks Paid Parking Service Awards Hybrid work arrangements Business casual environment A strong organizational culture focused on our greatest asset: you! If your experience aligns closely, please apply. We value diverse backgrounds and adding new perspectives. We encourage you to apply if you can make a strong impact in this role at ***************************** Please note, 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.

The Analyst - Loan Servicing is responsible for supporting agriculture loan transactions to ensure alignment with legal documents and policy. This role provides frontline service and manages relationships with attorneys, investors, field servicers, borrowers, and other agriculture loan professionals. The Analyst - Loan Servicing understands the dynamic relationships in agriculture lending among borrowers, field servicers, investors, tenants, and other related parties. With Whom You Will Work The position will report directly to the Senior Manager - Closing and Servicing. The position will liaison with other members of the Operations team as well as Client Services, Farm and Ranch Credit, Business Development, and Legal departments.. Where and When You Will Work The position will be based in the Farmer Mac Johnston, Iowa, location. Core business hours are Monday through Friday 8:00 am to 5:00 p.m. Central. This position may need to be available on occasion outside of the core business hours and/or business days for planned and unplanned activities to complete time sensitive projects or to attend off-site meetings and events.. Primary Responsibilities and Duties * Evaluate and prepare loan recommendations to Credit Servicing on non-routine matters, including * Change in terms and/or maturity date * Collateral substitution * Consent * Death of a borrower, transfer of ownership interest * Loan assumption * Partial releases, substitution of property, condemnation, easements * Product conversion * Release of funds held in escrow for tenant improvements or holdback * Subordination agreement * Perform calculations for * Debt Service Payments * Revolver draws/paydowns * Early Payoffs * Default * Maturity * Answer calls and email from borrowers or field servicers promptly * Is responsible for annual certification and taxes, insurance, and UCC with field servicers * Work closely with Legal and make recommendations on borrower situations (e.g., change in guarantor) to ensure alignment with all loan documents and policy expectations * Oversee collection of payments, future loan maturities, and delinquent loans * Complete changes due to service actions on loans in the servicing software to ensure maximum utilization is achieved for billing and reporting * Maintain loan files with documentation of items that occur after loan closing * Review boarding of new loans and prepare investor-related reports * Assist with testing of new versions of servicing software * Assist with internal and external audits and reviews * Assist with training and staff development, monitoring workloads and job priorities for the servicing area. Participate in the formulation of policy and procedures * Provide back-up to colleagues in Loan Closing and Servicing team * Perform other duties as assigned Desired Skills and Qualifications * Experience in customer service * Ability to perform loan-related calculations * Outstanding knowledge of Microsoft Office Suite * Excellent communication and interpersonal skills * Organized with the ability to prioritize and multi-task * Reliable and professional * Ability to work in a fast-paced environment while providing strong attention to detail * Knowledge of the following documents * Legal * Closing * Appraisals * Environmental * Knowledge of loan modification process is preferred Education/Experience Bachelor's degree with paralegal certification (preferred) plus 3 years commercial or agriculture mortgage servicing experience; or equivalent combination of education and experience. Experience with taxes, insurance, and UCC verification is preferred. Our compensation philosophy is targeted pay positioning relative to peers, our industry, and external markets. Farmer Mac is committed to a compensation program that will enable the organization to attract, motivate, reward, and retain highly skilled and creative talent to maintain sustained long-term performance and achieve the organization's strategic business objectives. The typical base pay range for this role is $57,000 to $67,000 per year. Compensation will vary based on experience and geographic work location.

Description: A Credit Analyst 2 assists the Commercial and Agricultural Lenders in the administration of their portfolios by spreading business and personal financial statements, analyzing these financial statements, and preparing Loan Request Presentations for approval. This position will provide expertise in all loan products and services which requires attending internal and external training sessions as assigned by supervisor. This position requires a basic understanding of loan input, extensions, payments/advances, and general ledger entry and balancing. Supports all lending officers with loan input and monitoring expertise and possesses excellent customer service skills. Maintains a working knowledge of the Bank's loan analysis software with knowledge of Moody's Lending Cloud software preferred. Serves as an Administrator of Lending Cloud lending software, insuring consistent, and efficient use by all lending personnel. Underwrites new and existing loan Participations purchased and completes Annual Reviews. Facilitates compliant Appraisal engagement and reviews for all lending personnel of the Bank. Assists with the production of monthly and quarterly Board Reports and other Loan Reports. ACCOUNTABILITIES: Credit Analysis: 80% Researches background documentation and reviews personal and business financial statements and tax returns. Analyzes financial information and prepares the preliminary analysis for the lender. Assesses the creditworthiness of loan applicants, judging their suitability as borrowers as well as the precise terms (interest rate, repayment schedule, etc.) on which credit may be granted. Prepares spreadsheets, reports, summaries, and opinions for financial institution officers on the largest and most complicated new, renewal, existing loans, and credit requests. Establishes, reviews, and updates new and existing loan files for the Bank on a regular basis. Ensures that proper Risk Ratings are in place for all loans. Maintains control of the request, submission, and receipt of financial statements from borrowers and prepares necessary analysis documentation. Maintains a good working knowledge of the Bank's lending policies and procedures and identifies deviations from any policies and/or procedures. Assists in writing loan policies and procedures, along with implementing and recommending changes. Provides technical advice or assistance to loan officers as needed. Assists with other credit activities including, but not limited to, construction advances, collections, tickler items, and exam preparation. Loan Review: 10% Attends the Loan Committee meetings and reports any findings that may have an adverse affect on loan collateral or a borrower's ability to repay the loan. Responsible for updating and submitting required reports, as necessary. As necessary helps prepare the Analysis of the Adequacy for the Current Expected Credit Losses (CECL) on a quarterly basis, including identifying potential classified loans. Assists preparing all Assigned Loan Committee and Board Reports monthly. Appraisal Ordering: 5% Engages and award Appraisal orders for Lending Staff per the Bank's loan policies. Reviews appraisals upon receipt to ensure compliance with Interagency Guidance on Appraisals. Orders and reviews AVM per loan policy. Prepares and/or reviews internal evaluations on Ag Land or Commercial Real Estate per loan policy. O ther: 5% Assist with cross selling and referrals to other departments of the bank. As part of the overall team of bank employees, this position may be requested to assist in the support of other bank activities. Requirements: COMPETENCIES: Adaptability: Able to adjust quickly to different work situations; remain composed under pressure and stressful situations. Able to apply critical thinking and emotional intelligence skills in a wide variety of situations. Analysis: Must be able to analyze numbers and use those skills as they pertain to the loan underwriting process. Must be organized, efficient, and able to work independently and be detail oriented to generate accurate reports. Able to work with and interpret multiple sources of data to provide senior management with accurate information. Attention to Detail: Regard for all key details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details. Oral/Written Communication: Must be able to communicate thoughts professionally and effectively, both orally and written. Must be able to communicate throughout the organization and to all levels of staff as well as external contacts. Time Management: Ability to effectively manage one's time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks. EDUCATION AND EXPERIENCE Bachelor's degree (B. A. or B.S.) in finance, accounting, or business-related field required and three to five years' of credit analysis experience. Computer and data processing literacy required, including adept experience with Microsoft Office programs and Fiserv software. Experience with Lending Cloud is helpful but not required. Bank regulation and compliance is required. Mathematical, organizational, and verbal and written communication skills required. Must be highly motivated with good communication skills, able to work independently, and capable of executing tactical plans in line with strategic objectives. LANGUAGE SKILLS Ability to read, analyze, interpret, and implement regulations and laws, general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, policy, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the public. MATHEMATICAL SKILLS Ability to apply mathematical operations including but not limited to variance analysis, factor analysis, correlation techniques, sampling theory and sensitivity analysis. REASONING ABILITY Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions and/or problems and deal with several abstract and concrete variables. CERTIFICATES, LICENSES, REGISTRATIONS Valid driver's license required for travel to Bank offices, training sessions, customer meetings, Bank, and community meetings, etc. Ability to speak a foreign language is helpful but not required. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit; use hands to finger, handle, or feel; and reach with hands and arms. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, or crouch. The employee must regularly lift and/or move up to 10 pounds and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, and depth perception. Must be willing to work more than 40 hours per week and on some weekends as required. WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is occasionally exposed to moving mechanical parts and outside weather conditions. The noise level in the work environment is usually moderate. _____________________________________ The above statements are intended to describe the general nature and level of work being performed by the person assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Further, this job description is not intended to limit or in any way modify the right of any supervisor to assign, direct and control the work of any employee under his/her supervision. I further understand that employment is at the will of the employer and either the employer or the employee may at any time terminate the employment with or without cause. I further understand that no representations, promises, or commitments made by supervisors or other company representatives relating to this position or duration of employment are binding on the company. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.

Accenture is a leading global professional services company that helps the world's leading businesses, governments and other organizations build their digital core, optimize their operations, accelerate revenue growth and enhance citizen services-creating tangible value at speed and scale. We are a talent and innovation led company with 750,000 people serving clients in more than 120 countries. We combine our strength in technology with unmatched industry experience, functional expertise and global delivery capability. We are uniquely able to deliver tangible outcomes because of our broad range of services, solutions and assets across Strategy & Consulting, Technology, Operations, Industry X and Accenture Song. These capabilities, together with our culture of shared success and commitment to creating 360° value, enable us to help our clients succeed and build trusted, lasting relationships. As of 2023, we have been recognized among Fortune's World's Most Admired Companies for 20 consecutive years. And that's just the beginning. Your career is about what you want to be and who you want to be. It's about bringing your skills, your curiosity, and your best true self to your work. Visit us at ****************** We Are: In today's world, business leaders want to rapidly and confidently reinvent to increase resilience, mitigate risk, and grow with sustainable value. That's where Accenture Strategy & Consulting comes in. We bring together strategic visionaries, industry experts, practitioners from across every enterprise function, business intelligence professionals, change specialists, data and AI authorities, and many other specialized skills to co-create each client's unique path to reinvention. You will be a trusted partner to business leaders, working with a diverse team of experts to deliver successful tech-enabled transformation and new kinds of value for your clients. Join our global network of people using the latest assets, platforms and partnerships to help bring ideas to life. Strategy & Consulting is one of five services that make up one Accenture - the others are Operations, Technology, Song and Industry X. Management Consulting professionals design and implement transformation programs that integrate strategy, technology, and operations to create enterprise value for clients. Accenture is growing our practice to help our clients navigate their transformational journeys. You Are The candidate will be a Manager within the Commercial Banking Consulting practice with a focus on Business and Technology Transformation within the wholesale lending industry. The Commercial Credit Consultant designs and implements business changes that drive industry-specific, function and digital operating model transformation, focusing on task relating to people and process. Large wholesale lenders are investing heavily in modernizing their business, technology, and data to optimize straight-through processing, enhance client and employee experience, and reduce cost of ownership. Accenture is growing our practice to help our client navigate their transformational journeys. The Commercial Credit Manager will be focused on supporting the development of our lending offerings and the delivery of transformational consulting projects. The Commercial Credit Manager will be focused on supporting the development of our offerings and the delivery of consulting projects. Responsibilities may include: * Support Commercial Credit Transformation programs - including operating model and technology implementations . * Design next generation experiences and platforms for commercial lending clients. * Manage all parts of projects, from client buy-in to planning, budgeting, and execution. * Source and coordinate work from other internal workforces. * Develop of our next generation Wholesale credit technology offerings. * Become a trusted advisor for C-suite clients looking to solve critical business problem. * Drive business development to originate new client opportunities. * Build your reputation as an industry thought leader. * * Travel, as required, up to 80%, in the United States and Canada. Qualification Here's What You Need: * Minimum of 5 years relevant professional services firm experience in technology or management consulting with broad experience in engagement management and business development * Minimum of 5 years of equivalent of commercial credit industry (sales, underwriting. closing, servicing, portfolio management) industry experience * Demonstratable experience being part of an nCino or Salesforce project delivery project or consulting engagement for commercial lending * A Bachelor's degree Bonus Points if you have: * Extensive transformation strategy or operating model design experience in commercial banking. * Launched new product offerings in the banking industry. * Demonstrated experience developing and managing relationships with senior client executives. * Successful track record of leading complex management and/or technology consulting engagements across the delivery lifecycle. * nCino or Salesforce certification(s) * Hands on experience with additional commercial lending industry platforms, e.g., Moody's, Blooma, Built * French language skills * An advanced degree or financial industry certification * Built next generation analytic capabilities (e.g., predictive, generative, or agentic AI) for commercial lending. Professional Skills * Proven ability to operate within a collaborative environment. * Demonstrated commitment, teamwork, and collaboration in a professional setting; either military or civilian. * High energy level, focus and ability to work well in demanding client environments. * Excellent communication (written and oral) and interpersonal skills. * Strong leadership, problem solving, and decision-making abilities. * Unquestionable professional integrity, credibility, and character. Compensation at Accenture varies depending on a wide array of factors, which may include but are not limited to the specific office location, role, skill set, and level of experience. As required by local law, Accenture provides a reasonable range of compensation for roles that may be hired as set forth below. We accept applications on an on-going basis and there is no fixed deadline to apply. Information on benefits is here. Role Location Annual Salary Range California $94,400 to $293,800 Cleveland $87,400 to $235,000 Colorado $94,400 to $253,800 District of Columbia $100,500 to $270,300 Illinois $87,400 to $253,800 Maryland $94,400 to $253,800 Massachusetts $94,400 to $270,300 Minnesota $94,400 to $253,800 New York/New Jersey $87,400 to $293,800 Washington $100,500 to $270,300 Locations

Full-time Description Responsible for collecting data from new and existing loan customers in order to perform analysis of financial information and creditworthiness and to assist in the administration of commercial loan accounts. Responsible for the training of Credit Analyst I and II's to help develop other possible career paths within the Bank; commercial lending, residential lending, consumer lending private banking, or audit. ESSENTIAL DUTIES AND RESPONSIBILITIES The essential functions include, but are not limited to the following: Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. Spread appropriate financial data using CASH software program Generate financial ratios, using computer programs to evaluate customer's financial status Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industry Analyze data such as income growth, quality of management, and market share to determine expected profitability of loans Draft credit analysis memos for annual review, new request and modification Prepare recommendations to Commercial Loan Officer regarding loan structure terms, and conditions Request and communicate with customers, accountants, and attorneys regarding questions on financials, business structure and other necessary documentation. Confidentiality and integrity are of the utmost importance Coordinate the ordering of loan documentation and assist in the documentation of loans to evidence debt, including perfection of security interests Keep informed of market and economic conditions that may impact customers and the related credit risk and other professional banking issues Prepare and review various reports Research industry, market, or other data as needed Compile data for accountants as requested by Loan Officer Complete references of customer as requested by Loan Officer Identify opportunities to refer customers and/or potential customers to other departments for services that may meet their needs Consult with customers to resolve complaints and verify financial and credit transactions Perform on-site inspections at customer locations to determine customer performance Assist with interviews and the selection process for hiring new employees for the credit department Recommend and implement changes or procedures for the credit department-i.e. software, write-up templates, training, etc. Assign duties to credit analyst I and II's based on skills and experience Facilitate performance reviews in accordance with quality and quantity requirements Recommend transfer or promotion within the credit department Administer discipline to correct misconduct or inadequate performance of job duties with the authority to recommend discharge of employees within the credit department Provide superior level of customer relations and promote customer service through coaching, guidance, and motivation ADDITIONAL RESPONSIBLITIES Perform other related duties and responsibilities as assigned by management. Requirements EDUCATION & EXPERIENCE Bachelor's degree required or equivalent work experience Minimum of five (5) years of experience in similar job duties Central Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, disability, medical condition, sexual orientation, gender identity, status as a protected veteran, or any other characteristic protected by law. We make all reasonable accommodations to meet the obligations under the Americans with Disabilities Act (ADA) and applicable state disability laws.