Credit analyst jobs in Jersey City, NJ

Our client is an established asset management firm in NYC. The firm is well-known and invests primarily in credit. The Attorney/Lawyer (Transactional Counsel) will work closely with the Investments and Legal team on a wide array of bespoke credit transactions. Role: Provide legal advice and drive execution on lending transactions in partnership with the Firm's investment professionals and external law firms. Advise on structuring, negotiation, and documentation of complex lending transactions and ensure that the documentation addresses key legal and business concerns. Quickly understand unique and diverse business models and commercially negotiate bespoke structures and legal solutions tailored to the Firm's borrowers and strategy. Provide legal guidance concerning commitment letters, term sheets, loans, amendments, waivers, term sheets, collateral packages, indentures, security documents, consents, and covenants review. Liaise with teams across the Firm, including Legal, Compliance, Operations, Finance, etc., to manage risk and policy compliance. Manage and work alongside outside counsel to facilitate superior structuring and transaction documentation. Requirements: 4+ years of experience (JD 2021+) professional experience in direct lending, on the lender's side, would be ideal. Must be currently in BigLaw or at a Credit Investment Firm. Strong attention to detail and the know-how behind transactions and the Fund's unique strategies. Superior Communication skills and interpersonal abilities JD from a Top Law School Admitted to Practice in the State of New York or eligible to waive in

At Fitch, we have an open culture where employees are able to exchange ideas and perspectives, throughout the organization, irrespective of their seniority. Your voice will be heard allowing you to have a real impact. We embrace diversity and appreciate authenticity encouraging an environment where employees can be their true selves. Our inclusive and progressive approach helps us to keep a balanced perspective. Fitch is also committed to supporting its employees by advancing conversations around diversity, equity and inclusion. Fitch's Employee Resource Groups (ERGs) have been established by employees who have joined together as a workplace community based on similar backgrounds or life experiences. Fitch's ERGs are available to connect employees with others within the organization to offer professional and personal support. With our expertise, we are not only creating data and information, but also producing timely insights from every angle to influence decision making in this ever changing and highly competitive market. We have a relentless hunger to innovate and unlock the power of human insights and to drive value for our customers. There has never been a better time to make an impact and we invite you to join us on this journey. US Corporates - Credit Analyst, Director - Retail & Consumer Fitch's North American Corporates Group is seeking Director for coverage of the Retail and Consumer sector, either in our New York, Chicago, or Toronto office. Qualitative credentials will weigh meaningfully in the selection of the candidate. A healthy sense of intellectual curiosity is critical, along with a demonstrated willingness and ability to attack and explain topics of analytical complexity. Fitch is a team-oriented work environment, so excellent communication skills are essential, as is a high productivity work-ethic and results oriented mindset. What We Offer: * An opportunity to be a lead coverage analyst at a global rating agency. * A team-oriented work environment. * Fitch Ratings is a global company with a presence in over 30 countries, offering opportunities to work with diverse teams and clients from around the world. We'll Count on You To: * Perform analysis of key quantitative and qualitative factors influencing the credit quality of companies in the Retail & Consumer sectors; * Develop and maintain comprehensive financial models; * Conduct meetings with Retail & Consumer industry management teams; * Present analysis of companies to internal credit rating committees; * Involvement in communicating rating rationale to external audiences (primarily institutional investors, sell-side analysts and media) in meetings, conference calls, press releases and written research reports; * Write timely and effective research on topical issues * Participate in the evaluation of other credits within Corporates, as well as other related credit groups; * Represent Fitch in panel discussions and conferences arranged by industry associations, regulatory bodies etc. * Mentor junior members of the Retail & Consumer sector. * The role may include managerial responsibilities. What You Need to Have: * Bachelor's degree at minimum, MBA or other advanced degree a plus; * CFA/CPA preferred; * 8+ years relevant experience, which must include some coverage or knowledge of the Retail & Consumer sectors; * Capital markets and/or credit analysis experience a plus; * Employee management experience a plus; * Expertise in Excel and Word; * Strong analytical, quantitative, and organizational skills; * Excellent written and verbal communication skills; * Ability to shift fluidly between multiple projects as priorities change; * Ability to excel in a team oriented environment. What Would Make You Stand Out: * A deep understanding of and a keen interest in Retail & Consumer * A professional background in capital markets and/or credit analysis and well-developed financial statement analysis skills; * Experience in interpreting complex legal documents such as bank agreements and bond indentures; * A strong pattern of leadership and the ability to proactively and successfully interact with various stakeholders, both within and outside of the organization. Why Fitch? At Fitch Group, the combined power of our global perspectives is what differentiates us. Our global network of colleagues comes together to accomplish things greater than they ever could alone. Every team member is essential to our business and each perspective is critical to our success. We embrace a diverse culture that encourages a free exchange of ideas, guaranteeing your voice will be heard and your work will have an impact, regardless of seniority. We are building incredible things at Fitch and we invite you to join us on our journey. Fitch Group is a global leader in financial information services with operations in more than 30 countries. Wholly owned by the Hearst Corporation, we are comprised of three main businesses: Fitch Ratings | Fitch Solutions | Fitch Learning. For more information please visit our websites: ******************** | ********************** | ********************* Fitch is committed to providing global securities markets with objective, timely, independent and forward-looking credit opinions. To protect Fitch's credibility and reputation, our employees must take every precaution to avoid conflicts of interests or any appearance of a conflict of interest. Should you be successful in the recruitment process at Fitch Ratings you will be asked to declare any securities holdings and other potential conflicts prior to commencing employment. If you, or your immediate family, have any holdings that may conflict with your work responsibilities, you may be asked to divest yourself of them before beginning work. Fitch Group is proud to be an Equal Opportunity and Affirmative Action Employer. We evaluate qualified applicants without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, disability, protected veteran status, and other statuses protected by law. FOR NEW YORK & CHICAGO ROLES ONLY: Expected base pay rates for the role will be between $140,000 and $180,000. Actual salaries will be determined on an individualized basis and may vary based on factors including but not limited to education, training, experience, past performance, and other job-related factors. Base pay is one part of Fitch's total compensation package, which, depending on the position, may also include commission earnings, discretionary bonuses, long-term incentives, and other benefits sponsored by Fitch. #LI-RA1 #LI-HYBRID Nearest Major Market: Manhattan Nearest Secondary Market: New York City

Guggenheim Investments is seeking a Municipal Credit Analyst. The Municipal Credit Analyst is responsible for maintaining market coverage, conducting security and portfolio-level analysis, and sourcing and reviewing investments. This position is collaborative and may be cross-functional across credit sectors and portfolio management in response to market conditions. The employee is responsible for intermediating, aggregating, and disseminating market information to credit sector teams, portfolio managers, and senior investment professionals. The employee will report to the Senior Municipal Credit Analyst/Sector Lead. The position can be located in Santa Monica, CA or New York City, full-time.Responsibilities Key Responsibilities: Lead evaluation of specialized and complex investments utilizing all available sources of information including governing documents, published research, financial reports, news, rating agency reports, and market information Analyze new issue and secondary market taxable and tax-exempt municipal credits to create reports, analyses, and recommendations Create and maintain analytical models and tools that enhance credit research (e.g. sector-wide credit metric comparable, macro stress testing) In-depth work on the legal characteristics of security structure, such as mutability of cash flow waterfalls, enforceability of tax levies, legality of issuance authorization, substitutability of indentures Monitor portfolio holdings and municipal sectors for credit changes and material news and events Formulate and manage sector investment thesis and strategy and communicate firm-wide, incorporating the firm's macro views Provide the team leader with ongoing information about market sentiment, liquidity, volatility, and other market information about the sector Prioritize investment activities considering Portfolio needs, desk resources, and market risk/value. Create and maintain desk tools that improve investment process and efficiency (e.g., secondary offerings, trade reports, bi-weekly meeting data, credit review log) Create and institutionalize credit research reporting, credit memo templates, and ESG analysis framework Author the municipal sector team's Quarterly Outlook thought leadership piece Ensure adherence with firm policies and procedures with respect to investment underwriting, compliance, trading Direct surveillance, research, and project activities in conjunction with the Team Leader Develop project scope and set priorities for technology and research initiatives Assist in the creation and maintenance of marketing materials Qualifications Preferred Qualifications Advanced degree (MFE, MBA) or equivalent educational background are desirable 10+ years of experience on the buy side Strong credit, finance, economic, business, and technical skills Ability to multi-task across analytical, administrative, and research activities in a detail oriented and timely manner Team oriented individual with ability to work independently and work well with diverse groups in a market-paced environment Basic Qualifications BA/BS in a quantitative discipline to include finance, business, economics or accounting Minimum 6-9 years of experience in credit research and analysis (buy side) CFA or progress toward CFA is required Experience with industry standard tools and data products such as Bloomberg, BRS, Ipreo, TM3. Strong credit, finance, economic, business, and technical skills Advanced Excel skills are required. SQL, Python skills are desirable Strong written and verbal communication skills Strong commitment to performance and accuracy of work product Salary Range Annual base salary between $160,000.00-$175,000.00 The base salary range represents the low and high end of the anticipated base salary range for this position. Actual base salaries may vary depending on factors such as location and experience. The range listed reflects base salary only, and the total compensation package may include other components such as incentive compensation.

About The Role: Parker's mission is simple but ambitious: to increase the number of financially independent people. We believe the best way to achieve this is by giving independent business owners the financial tools they need to scale profitably. Our core product combines a virtual corporate card with dynamic spending limits and profitability-focused software tooling-empowering eCommerce merchants to grow faster while staying in control of their margins. We've raised over $180M in equity and debt from world-class investors, including Valar Ventures, Y Combinator, SVB, and notable founders such as Solomon Hykes (Docker), Paul Buchheit (Gmail), Paul Graham (Y Combinator), and Robert Leshner (Compound). We're a Series B fintech scaling rapidly, with strong product-market fit and accelerating demand. We're now scaling our credit operations and looking for a sharp, thoughtful, and experienced Credit Analyst Manager to help us evaluate business creditworthiness and support disciplined portfolio growth. As a Credit Analyst Manager at Parker, you'll lead and evolve Parker's underwriting operations. You'll own credit policy, streamline processes, and help us strike the right balance between risk and growth. If you're passionate about credit risk, data-driven decisioning, and enabling customers through smarter finance - this role is for you. What You'll Do: Lead the credit analyst team for new and existing applicants across Parker's corporate card and lending products. Refine and maintain credit policies, approval thresholds, and risk segmentation logic. Analyze financials, bank data, and alternative data sources to assess creditworthiness. Work closely with Risk, Data, and Product teams to improve automation and develop scoring models. Support Sales and Success teams with responsive, well-informed credit decisions. Monitor portfolio performance and adjust underwriting strategies accordingly. Help build a scalable, high-performing underwriting team over time. What We're Looking For: 10+ years of experience in underwriting, credit risk, or lending - ideally with SMBs, eCommerce, or card-based products Background in fintech, payments or embedded credit products Strong analytical mindset with experience evaluating financial statements and cash flow. Familiarity with underwriting automation tools and workflows Excellent communication skills and a collaborative, low-ego approach Experience in high-growth startups or fintech environments is a plus Nice to Have: Experience with transaction-level data underwriting (e.g. Plaid, Open Banking) Exposure to capital markets or structured finance Experience with tools like Plaid, Alloy, and Ocrolus Why Parker: Work with a high-caliber team that values ownership and transparency. Help shape foundational infrastructure at a fast-growing fintech startup. Competitive comp and meaningful equity

Apply now Work Type: Office Working Employment Type: Permanent Job Description: Our Credit Analysts have extensive knowledge of our risk assessment and portfolio risk management framework which they use to support our Account Managers with credit reviews, ongoing risk monitoring and client creditworthiness. They also assess Standard Chartered's risk appetite against market and economic conditions across the different markets and asset classes. About our Banking and Coverage team Our Banking and Coverage team owns and leads the management and development of our Client Relationships globally. They work across our global network with product partners to deliver working capital, financing, trade, cash and market solutions for our clients. The solutions include varied products and services, from sustainable trade finance to credit derivatives, to mergers and acquisitions advisory. About Corporate & Investment Banking (CIB) For more than 170 years we've support clients with their transaction banking, financial markets, corporate finance and borrowing needs and provide solutions to nearly 20,000 clients in the world's fastest-growing economies and most active trade corridors. Key Responsibilities * 3 to 5 years of experience Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness. * Provide insightful, succinct and timely client portfolio credit analysis. * Accountable for spreading financials, proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events. * Partner with Banking, Coverage and Risk teams to develop and execute credit analysis, credit origination and monitoring relevant matters. * Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants. * Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers and Product teams with product solutioning and recommendations. * Provide credit analysis with consideration for market dynamics and client industry, including: * Industry risks and client competitive positioning within the industry. * Client funding strategy, financial policies, treasury activities, including hedging, and cash management. * Analyse client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow and profitability vulnerability. * Reputational risk profile, including climate and sustainability risks Skills and Experience * Risk management lifecycle. * Financial forecasting and modelling. * Financial and quantitative skills. * Client due diligence. * Using client behaviours and preferences to evolve products and services. * Product knowledge for Markets, Transaction Banking and Corporate Finance. * Knowledge of the financial services' regulatory environment. * Data analysis and visualisation. * Ability to work under pressure, in a dynamic environment. About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we: * Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do * Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well * Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term Expected annual base pay range for the role is 120,000 USD to 150,000 USD. The final offer will be determined on an individualised basis using a number of variables, including but not limited to skill set, depth of experience and education, internal relativity, and specific work location. At Standard Chartered Bank, Base pay is only part of the total compensation package. Discretionary variable pay and a range of attractive bank sponsored benefit programs are available and designed to foster employee overall health and well-being including, but not limited to, a best in class 401k plan with up to 8% employer match, robust medical plan coverage with employer funded Health Savings Accounts, inclusive family building benefits, and flexible/hybrid working arrangements for many of our positions subject to role specific considerations Visit our careers website ****************** What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. * Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. * Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. * Flexible working options based around home and office locations, with flexible working patterns. * Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits * A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. * Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. Apply now Information at a Glance * * * * *

The Letter of Credit Associate is responsible for the timely and accurate execution of various activities related to letters of credit. This includes providing business coverage during the "TradeGO" migration project, which is scheduled for implementation in Q4 2025. The Associate will issue import documentary and standby letters of credit, as well as process amendments. Additionally, they will advise and confirm export documentary and standby letters of credit and execute payments associated with these instruments. The role also involves conducting relevant controls for transaction processing, which includes compliance checks and obtaining necessary approvals from the Middle and Front Offices, when applicable. Furthermore, the Associate will perform cash reconciliation, invoice clients and apply received fees accordingly, and provide daily updates to clients regarding letters of credit activities. It is essential for the Associate to deliver accurate results in a fast-paced environment, often under time constraints. Essential Duties and Responsibilities Process all transactions in a timely manner. Deliver high-quality service to customers in accordance with agreements, ensuring adherence to all processes, policies, and controls. Understand and apply legal and regulatory requirements, including anti-boycott regulations, OFAC, AML, and red flag indicators. Conduct daily reconciliation of all USD and foreign currency activities. Maintain strong working relationships with the Middle and Front Offices, Compliance, Finance, and other stakeholders. Review and respond to all email inquiries promptly. Natixis is an equal opportunity employer, committed to a workplace free of discrimination. Natixis will not tolerate any form of discrimination based on age, color, mental or physical handicap or disability, pregnancy, marital status, sexual orientation, national origin, alienage, ancestry or citizenship status, race, religion, sex (including sex stereotyping, gender identity, gender expression or transgender status), veteran status, creed, genetic information or carrier status, or any other protected characteristic as established by law. Respect for all means that we deal with each person as an individual and not as a member of any group. All qualified applicants will receive consideration for employment. Management is expected to provide leadership in supporting the firms EEO program by taking steps to promote EEO in all facets of employment including recruitment, hiring, retention, promotion, performance assessment, and career-development opportunities. The salary range for this position will be between $110,000 - 145,000. Natixis is required by law to include a reasonable estimate of the compensation range for this role. Actual base salary will vary and will be based on several factors including, but not limited to, relevant experience, education, skills set, applicable licensure and certifications, and other business and organizational needs. Base salary is only one component of our total rewards package. Natixis also offers a generous benefits package, and you may be eligible for a discretionary incentive award depending on company and individual performance.

Chilton Trust is an independent, privately owned, wealth management company providing wealth management services and investment solutions to high-net-worth individuals, families, foundations, endowments, and institutions. Chilton Trust is built on the deep investment culture and rigorous standards of performance excellence which have been the hallmark of its affiliate, Chilton Investment Company, which was founded three decades ago by Richard Lockwood Chilton, Jr. Chilton Trust offers a full suite of individually customized services including access to internal equity and fixed income management, best-in-class external traditional and alternative managers, standalone national trust company capabilities, fiduciary, consolidated wealth reporting, comprehensive family office services and transactional planning. The firm's emphasis on relationship management is vital and built upon integrity, confidentiality, high quality service and customization to meet the evolving needs and complexities that often exist with clients. Chilton Trust has more than $8B in assets under management with over 250 family relationships and offices in Charlotte, Charlottesville, Connecticut, Delaware, Naples, New York and Palm Beach. Position Description The Junior Credit Analyst will be part of a larger Fixed Income team with responsibilities including, but not limited to, the following: Conduct fundamental credit analysis of both municipal issuers and Investment grade corporate issuers using self-created dynamic modeling tools that can respond to both credit and macro driven events. Assign & maintain internal credit ratings and monitor issuer fundamentals, ratings changes, and macroeconomic trends. Assign periodic industry/sector outlooks to both municipal and corporate sectors. Conduct portfolio analysis for prospective and current clients. Work closely with portfolio managers, effectively communicating credit risk assessments and analysis to support the portfolio manager's investment decisions. Providing on-going surveillance of credit exposure, staying abreast of all issuer updates, and relying relevant information to the team. Partner with Firm's Economist, wealth and client advisors to support new business efforts and maintain strong client relationships. Help to ensure portfolios adhere to internal investment guidelines, client mandates, and applicable regulatory frameworks. Work closely with compliance, operations, and legal teams to support best practices and operational efficiency. Qualifications Bachelor's degree in Finance, Economics, Accounting, or a related field; advanced degree (MBA, MPA) or CFA designation a plus. 4-7 years of experience in credit analysis preferably with a Credit Rating Agency or with a wealth management, investment advisory, insurance company or in asset management Solid understanding of credit with a flexibility to work either on investment grade corporates or on high quality municipals. Ability to work independently and collaboratively in a client-centric, performance-driven culture. Excellent analytical, communication and presentation skills. Strong technology skills, including experience in FactSet, Bloomberg and Excel. Experience with Addepar is a plus. Chilton seeks candidates who have outstanding analytical skills coupled with strong organizational and communication skills. Applicants should be pro-active, motivated, passionate, and work well in a team environment. We pride ourselves on building a team of professionals working toward a common goal in a collaborative fashion. We offer a competitive and comprehensive compensation and benefits package that is based on, among other things, your overall performance and contributions to the firm. The salary range for this job is $125,000 to $145,000. Base salaries are determined based on a wide variety of factors including but not limited to years of relevant experience, education and other qualifying factors like additional accreditations. Base salary does not include others forms of compensation and benefits including medical and dental coverage, disability and life insurance, 401(k) plan (and company match on contributions made) and accrued paid time (which may vary based on role and tenure).

Job Summary & Responsibilities Leveraged Loans \- Credit Analyst \- Portfolio Manager A growing multi\-billion dollar leveraged finance shop seeks an experienced professional to join the Portfolio Management team. Responsibilities include credit analysis, reporting, monitoring and facilitating restructuring and amendments on both performing and distress credits. This is a highly visible role that requires constant communications and coordination with financial sponsors, company management and institutional lenders. This position offers competitive compensation and career growth opportunities. Requirements This is an Associate level position, requiring 1+ years of directly relevant experience in syndicated bank loan portfolio management. Must have strong credit skills and a working knowledge of syndicated loan documentation and market conventions. Must be available for interviews in New York City. Benefits The company offer competitive base salary, a discretionary bonus and full benefits. "}}],"is Mobile":false,"iframe":"true","job Type":"Full time","apply Name":"Apply Now","zsoid":"97398107","FontFamily":"PuviRegular","job OtherDetails":[{"field Label":"Industry","uitype":2,"value":"Financial Services"},{"field Label":"Work Experience","uitype":2,"value":"1\-3 years"},{"field Label":"City","uitype":1,"value":"New York"},{"field Label":"State\/Province","uitype":1,"value":"New York"},{"field Label":"Zip\/Postal Code","uitype":1,"value":"10017"}],"header Name":"Credit Analyst \- Leveraged Loan Portfolio Management","widget Id":"**********00110058","is JobBoard":"false","user Id":"**********00101003","attach Arr":[],"custom Template":"3","is CandidateLoginEnabled":true,"job Id":"**********03891008","FontSize":"15","google IndexUrl":"https:\/\/hammersearch.zohorecruit.com\/recruit\/ViewJob.na?digest=4hyXegPM4zJSu5cT@CSsBDrp3qz6quQV4@D8E8N8WEM\-&embedsource=Google","location":"New York","embedsource":"CareerSite","indeed CallBackUrl":"https:\/\/recruit.zoho.com\/recruit\/JBApplyAuth.do"}

Profile: Primary activities will include, but not be limited to, research of potential investments across leverage finance (Broadly Syndicated Loans and High Yield bonds): * Act as the credit research analyst responsible for credit investments in one or more sectors; * Develop investment frameworks for relevant industries and the analysis of issuers; * Provide fundamental credit research analysis of cash flow, credit metrics, financial performance, and comparative assessment of market value within sectors. * Identify trends and changes in competitive positions within industries; * Develop models for analysis, including sensitivity analyses to assess pro-forma and projected financial performance. Incorporate the firm's ESG framework in the analysis; * Monitoring of news and industry developments in the credit markets.

How would you like to join one of the most highly regarded financial institutions in New Jersey with deep roots in the community? Provident is a successful and highly regarded multi-billion-dollar bank that continues to grow with branches in New Jersey, Eastern Pennsylvania and New York. Our longevity is a testament to our commitment to placing our employees, customers, and the communities we serve at the center of all we do. At Provident Bank, we are committed to enhancing our customer and employees' experience. POSITION SUMMARY: The Credit Specialist, in coordination with the Director of Credit Training & Support, is responsible for managing departmental underwriting assignments, monitoring workflow of team members, co-managing special assignments, training and review of Credit Analyst 1 (CA1) completed work. Additional responsibilities include occasionally underwriting a CRE or C&I loan transaction. KEY RESPONSIBILITIES: Manage the overall workflow of incoming credit underwriting requests from Credit Underwriting, assign to CA1 team members, and monitor for timely completion. Provide guidance to and assist in the training of CA1 team members in partnership with the Director of Credit Training & Support. Review and provide commentary on assignments completed by CA1 team members prior to submission back to Credit Underwriting. Provide feedback regarding CA1 team members to the Director of Credit Training & Support as needed. Co-manage special team projects with the Director of Credit Training & Support. As needed, based on volume and complexity, analyze and underwrite CRE and C&I loans for Credit Underwriting. MINIMUM QUALIFICATIONS: Bachelor's degree from an accredited four-year college, with accounting and finance courses of minimum 9 credits. 5 years of experience working in a financial environment analyzing business and personal financial statements and tax returns; preparation of cash flows, rental economics, and researching economic data and a variety of resources to determine overall financial strength and future viability of the relationship being analyzed. This should include compiling the researched data into a comprehensive analysis for rendering decisions. Minimum 1 year experience in a bank, comparable training program or RMA credit training program desired. Experience with and ability to work in a financial spreading system/loan underwriting system equivalent to Moody's CreditLens. Intermediate proficiency using Microsoft Office programs Excel and Word. WORKING CONDITIONS Work is mainly performed in a normal office environment. Noise levels usually are moderate. Prolonged sitting Lifting from 5 to 10 lbs. (printer paper, storage boxes) Occasional bending or overhead lifting (storing files or boxes) The hazards are mainly those present in a normal office setting. This may not be all-inclusive. Employees are expected to perform other duties as assigned and directed by management. Job descriptions and duties may be modified when deemed appropriate by management. Provident Bank recognizes and supports the importance of creating a socially and culturally diverse employee base. We understand, value, and appreciate the unique perspectives that a diverse workforce can contribute to our organization. We put the employee and the customer at the center of strategy because culture is a critical differentiator for why people choose to work here. We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law. Pay Details: $73,600 - $105,100 annually Please note, the base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, education, geographic location, internal equity, and other applicable business and organizational needs. This role is incentive eligible based upon company, business, and/or individual goal achievement and performance. Team members accrue paid time-off (PTO), receive Holiday (PTO) and are eligible to participate in the bank's Health and Wellness benefits including Medical, Dental and Vision Plans, Flexible and Health Savings Accounts, and a 401(k) Retirement Plan. In addition, the company provides Disability Insurance, an Employee Assistance Program, and Basic Life Insurance. Company sponsored Tuition Disbursement and Loan Repayment programs are also available. Voluntary benefits include Supplemental Life Insurance, Accident, Critical Illness, Hospital Indemnity and Legal plans.

This role is located in New York City and will require a hybrid work schedule of at least 2 days in office per week. This role is for Assistant Vice President level candidates. About the Bank Sumitomo Mitsui Trust Bank, Limited was established through the merger of The Sumitomo Trust and Banking Co., Ltd with Chuo Mitsui Trust and Banking, Ltd. on April 1, 2012. We are one of the largest asset managers in Asia and number one among Japanese financial institutions by AUM, with approximately $850 Billion USD in AUM. The Bank provides an assortment of financial solutions and manages a broad spectrum of financial products across its global branches.Department Overview The Americas Division (“AD”) was established in the Sumitomo Mitsui Trust Bank, Limited, New York Branch) (“SMTBNY”) to perform corporate functions and supervise U.S. entities. Established under the AD are the “Global Banking Unit (“GBU”), Americas Division” and “Global Markets Unit (“GMU”), Americas Division” which performs business functions. The Specialty Finance Department (“SFD”) is responsible for originating, booking and monitoring credit facilities for both bilateral and syndicated loan transactions. SFD focuses on building and monitoring portfolio assets in 3 main product areas: Project Finance, Trade and Commodity Finance, Aviation, and Real Estate. Your Role Overview: The Associate will join the Aviation Finance Team which arranges financing transactions for airlines and lessors based in the Americas. The Associate will assist with all aspects of building and managing the aviation investment portfolio, with a particular focus on underwriting new investments and performing due diligence. In addition, the Associate will be responsible for monitoring, analyzing, and reporting on existing investments. Prior aviation experience is preferred, ideally covering airlines or lessors from a credit perspective. Your Duties and Responsibilities Reviews potential assets in aviation and prepares credit applications and makes investment recommendations. Ensures compliance with applicable investment guidelines and directives from Head Office and Branch Management. Monitors assigned assets/products/industries to maintain credit quality through asset/product/industry appropriate measures, i.e., financial analysis and trends, cross-sectional analysis, cashflow analysis and market value/liquidity. Prepares all applications and reports and makes recommendations on all amendments, refinancings and other ongoing activities. Responsible for all Head Office and Branch monitoring and reporting requirements, including rating review, business review of documentation, regulatory review, booking and financial and portfolio review requirements, with support from Operations Analyst as designated. May conduct business development activities. May conduct or support deal structuring activities. Performs other duties and responsibilities as assigned by management. Your Qualifications: Bachelor's degree in Finance or Economics or equivalent with 2+ years related experience. Good knowledge of finance and basic accounting. Good knowledge of commonly used research resources, including Bloomberg, EDGAR, and rating agencies. Basic knowledge of corporate finance transaction. Basic knowledge of loan markets. Proficient in Microsoft 365 (Excel, PowerPoint, Word, Outlook, and Access) and some modeling capabilities. Excellent oral and written communication skills. Why you should join SuMi Trust:SuMi Trust embraces flexible ways of working when the business and role permits. We provide employees with a hybrid working model, allowing for in-office work and work from home. Our diverse and inclusive environment along with our global presence enables us to collaborate and communicate to meet our business needs. We believe that efficient teams need truth, loyalty, and a strong sense of purpose to balance risk and their targets. We make sustainable business decisions to improve our society and the world. We believe that each person brings a unique value that drives the business though their creativity and passion. The Employee Benefits package includes: Paid Time Off, medical, HSA, vision, dental, FSA, 401(k), profit sharing, legal plan, cancer indemnity plan, disability insurance, life insurance, employee assistance program, commuter benefits, business travel accident, paid volunteer day, paid memberships, paid seminars, and tuition assistance. We offer many socialization opportunities for wellness, financial wellbeing, runs/walks, team building, happy hours, and activities to support the Sustainable Developmental Goals. Check out our LinkedIn for our employee experience: *************************************** We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. SuMi Trust provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law. If you need a reasonable accommodation during the application

• Obtain and analyze credit data and financial statements of new and existing customers to determine credit worthiness, rate credit risk and recommend the level of credit extension. • Determine the necessity of corporate guarantees and letters of credit • Monitor the Accounts Receivable portfolio to identify cash flow opportunities and overdue balances and contact the outstanding customers to pursue payment. • Evaluate credit profiles to identify changes in financial and payment trends, communicate findings to credit management and recommend corrective action • Contribute to the preparation of management financial reporting for use in credit evaluations Qualifications • Bachelors Degree • 3-5 years experience in commercial credit. • Strong financial statement analytical skills • Manufacturing experience • High level of proficiency in Excel and SAP Additional Information $65K plus bonus

Job Description Circet USA is the leading provider of Network Services in North America, and we're looking for talented professionals to join our team. We specialize in engineering and construction services delivering comprehensive solutions across Inside Plant, Outside Plant, and Wireless networks to meet the evolving infrastructure needs of our customers. With nearly 50 years of industry experience, we work with major telecom service providers, MSOs, cloud service providers, and utilities. At Circet USA, you'll have the opportunity to make an impact by helping to create customized solutions that address our clients' unique challenges. If you're passionate about innovation and thrive in a dynamic environment, we'd love to hear from you. Circet USA's benefits package includes the following: Medical, Dental, and Vision insurance Digital Health & Wellness Support Critical Illness, Accident, & Hospital Insurance Short-term & Long-term disability Group term & Voluntary life insurance Flexible Spending and Health Savings Accounts Paid Time Off & 401K Company Discount Website Responsibilities We are seeking a highly skilled and experienced Credit Analyst to fulfill a staff augmentation role with Circet USA's customer. The position's primary functions include but are not limited to performing detailed reviews and risk analysis on an ascribed portion of portfolio of accounts in order to assess commercial credit risk as well as assign, maintain, or adjust credit limits. For accounts that do not qualify for an open line of credit, the role will require collaboration with team leads to discuss the possibility of alternative hedging (Letter of Credit, Flooring, Factoring, PUT Contracts, etc.). The position holder will be responsible for continuous monitoring of their account portfolio insuring that credit limits are sufficient and alerting team leads as to financial downturns and, with guidance, potentially suggesting credit actions or other risk mitigating solutions. The position will also be responsible for the initial risk analysis and set up of new accounts working with various external teams to ensure appropriate documents are collected and accurate. ESSENTIAL DUTIES & RESPONSIBILITIES include the following. Other duties may be assigned: Manage the commercial credit risk for an assigned portfolio of accounts applying credit practices and procedures (portfolio will typically contain lower risk accounts with modest credit limits) Perform detailed reviews and risk analysis on an ascribed portion of portfolio of accounts in order to assess commercial credit risk as well as assign, maintain, or adjust credit limits. Plans and schedules credit review and risk analysis for assigned portfolio of accounts Uses credit risk analysis skills and business acumen along with available risk assessment tools and third party data to analyze new account requests for open lines of credit as assigned; interfaces with team leads for guidance when encountering unique credit situations during this process Obtain all necessary information to properly risk assess including assigning a risk category from our Financial Health Indicator, perform robust financial review and submission through appropriate channels for activation of credit line and assignment of account number in SAP Reviews and analyzes assembled reports, scorecard data, financial statements and supplementary information such as bank and trade references as well as payment history data to arrive at sound financial decisions intended to support sales while protecting assets Recommends individual credit lines or, for unqualified accounts, works with team leads to assess the viability of other hedging options, or courses of action and again with guidance from team leads facilitates the implementation of credit line or other approved solution for challenging risks Personally handles non routine credit inquires and correspondence as it relates to their portfolio involving team leads for guidance to potential challenges based on those inquiries Defers team leads for advice on particularly complex problems and cases requiring interpretation of policy decision Monitors monthly lines of credit for customers in assigned portfolio of accounts to ensure that balances are within approved limits Assist team leads or Sr. Analysts in support, when requested, to the following: Service Division, Content & Services, Harmon, Dacor, Neurologica, etc. in all aspects of risk assessment of Accounts Receivable and also provide assistance with regard to credit processes and risk mitigation tools and services as well as hedging options. This could include reports from third party services or just general procedure and practices along with requests for standard templates or forms and overall credit opinions. In the Company of team leads may be asked to represent the Company at creditors' meetings trade shows bankruptcy proceedings or other related events Prepare and submit departmental reports from simple inter-department reports, to more complex companywide reports.(may include but not limited to) Quarterly report, Monthly report, Watch list report, Z-Credit AR Forecast report, any ad-hoc reporting that may be required, etc. Will be required to be part of customer visits as needed to obtain financials or assess overall business operations and status of assigned accounts (team leads will accompany as necessary) Qualifications Bachelor's degree with focus on accounting or finance. Proficient in Windows, Excel, Word, PowerPoint. Understanding the business and market trends which impact our accounts. Strong analytical skills, the ability to analyze and also interpret the meanings in written and verbal form. Approximately 3-5 years commercial credit experience performing complex financial statement analysis, as well as handling spreadsheets and reporting tools used to conduct successful analysis. An understanding of risk/reward analysis and credit mitigation documents. Familiar with SA Strong Financial Analysis and risk assessment skills Understanding of insurance and various other hedging options Solid communication and negotiation skills Considers a wide range of alternatives prior to making a decision Takes initiative as problems & opportunities arise; seizing opportunities early Effectively recognizes emergencies & crisis's and brings them to attention of team leads Actively develops a climate of teamwork & cooperation when working with peers Ability to communicate with people at different organizational levels Follows up on tasks & assignments to ensure successful completion on assigned dates Circet USA is an Equal Opportunity Employer - Veteran/Disabled. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status or other characteristics protected by law.

Full-time Description About Us Bogota Savings Bank has been a community-anchored financial institution since 1893. Originally established as Bogota Savings and Loan, we converted to a State Mutual Savings Bank in 1996 and later merged with Gibraltar Bank in 2021, expanding our footprint into Essex and Morris counties. We believe banking should be personal, local, and reliable. Our mission is to provide excellent customer service, affordable and efficient banking solutions, and superior product offerings to our customers across New Jersey. Whether it's through our full-service branches, surcharge-free ATM network, or modern digital banking tools, we serve our communities with integrity, care, and responsiveness. About the Role As a Credit Analyst, you will play a critical role in supporting the Lending team by analyzing financial data, loan documentation, and risk profiles of current and prospective borrowers. Reporting to the Chief Lending Officer, you will ensure that credit decisions are informed, compliant, and aligned with the Bank's standards. This role provides an opportunity to interact with commercial real estate clients as a secondary point of contact, contributing directly to sound lending practices and strong client relationships. Requirements Key Responsibilities Gather, analyze, and interpret credit information, leases, real estate appraisals, and investigative reports to assess creditworthiness of borrowers. Prepare comprehensive credit analysis packages and loan requests for review by the Internal Loan Committee. Review and monitor Commercial Real Estate Loan documentation at inception and throughout the loan lifecycle, including annual reviews. Assign and update credit risk ratings, ensuring timely tracking of reports, appraisals, and financial statements. Draft correspondence with clients to request financial information and support loan processing. Enter loan details into departmental systems, preparing recommendations for term sheets and loan offerings. Maintain compliance with all lending policies, regulatory requirements, and the Bank Secrecy Act/CIP procedures. About the Candidate You are detail-oriented, analytical, and highly organized. You enjoy working with financial data and take pride in accuracy and thoroughness. You balance technical expertise with strong communication skills, building trust with colleagues and clients alike. You thrive in a structured environment, adhering to regulatory standards while contributing to a client-focused lending process. Knowledge, Skills and Experience Associate's degree or equivalent; bachelor's degree in finance, accounting, or related field preferred. Minimum of 2 years of banking experience with formal credit training. Strong knowledge of Microsoft Excel and Word; familiarity with lending software systems preferred. Excellent written and verbal communication skills. Ability to interpret financial statements, credit reports, and appraisal documentation. Strong organizational and time management skills with attention to detail. Core Competencies Manages Complexity - You make sense of complex and sometimes contradictory information, applying structured analysis to support sound credit decisions. Financial Acumen - You use financial data and indicators to inform lending recommendations and ensure alignment with business goals. Customer Focus - You build and maintain strong client relationships while delivering solutions that meet client and organizational needs. Ensures Accountability - You take ownership of your work, ensuring accuracy, compliance, and timely completion of credit analyses. Collaborates - You work effectively across teams, supporting colleagues and contributing to shared success. Salary Description $40,000 - $70,000 Depending On Experience

The Senior SBA Credit Analyst / Underwriter is responsible for evaluating and underwriting SBA loan applications in accordance with the SBA Standard Operating Procedures (SOP) and Ready Capital's credit policy. This role requires advanced credit analysis capabilities, strong technical writing, and effective communication skills to support sound credit decisions and ensure compliance with SBA guidelines. Key Responsibilities: Credit Analysis & Underwriting Conduct thorough financial analysis of business and personal financial statements, tax returns, and cash flow projections. Assess borrower creditworthiness, repayment capacity, and collateral adequacy. Prepare a detailed credit memo with well-supported recommendations. SBA SOP Compliance Ensure all underwriting activities align with current SBA SOP requirements. Stay updated on changes to SBA policies and communicate implications to relevant stakeholders. Collaborate with RCL's closing teams to ensure documentation accuracy. Technical Writing Draft clear, concise, and comprehensive credit memos and risk assessments. Document underwriting decisions and rationale in a professional and audit-ready format. Communication & Collaboration Present credit findings to loan committees and senior management. Communicate effectively with BDOs, borrowers, internal customers and third-party professionals to gather necessary information. Provide mentorship and guidance to junior underwriters as needed. Qualifications: Bachelor's degree in Finance, Accounting, Economics, or related field Minimum 4 years of experience in SBA credit analysis Deep understanding of SBA 7(a) programs and SOP requirements. Strong analytical skills and proficiency in financial modeling. Excellent written and verbal communication skills. Ability to work in a high volume environment 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 sit; use hands to finger, handle, or feel and talk or hear. The employee is frequently required to stand and walk. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 15 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus. 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. The noise level in the work environment is usually quiet

DSV - Global transport and logistics In 1976, ten independent hauliers joined forces and founded DSV in Denmark. Since then, DSV has evolved to become the world's 3rd largest supplier of global solutions within transport and logistics. Today, we add value to our customers' entire supply chain by transporting, storing, packaging, re-packaging, processing and clearing all types of goods. We work every day from our many offices in more than 80 countries to ensure a steady supply of goods to production lines, outlets, stores and consumers all over the world. Our reach is global yet our presence is local and close to our customers. Read more at *********** Location: USA - Iselin, Wood Ave Division: Air & Sea Job Posting Title: Assistant Credit Controller, Credit Specialist Time Type: Full Time ***This is an in-office position, not remote*** AR Credit Specialist The position of Credit Specialist works as a member of the credit team located in Iselin NJ. The primary responsibility will be to compile customer credit information which is submitted to our credit insurance company to conduct credit investigations to determine risk. The incumbent will work closely with all entities of DSV, supporting all of North America. This candidate will understand external credit agency reports, such as Dun & Bradstreet and Credit Risk Monitor. This position reports to the Supervisor of Credit. Responsibilities: Receive, review, and submit to management Customer Profile Request Form from customers seeking credit approval or uplift in credit. Assist in preparation and submission of the monthly premium insurance declarations through the Atradius website. Conduct credit investigations and analyze diverse credit information based on internal and external credit sources. Work proactively to ensure customers do not exceed their credit limit. Prepare internal and detailed Credit Agreement Forms to determine internal risk where insurance has not been secured.Communicate with business and sales teams during customer application/review process. Provide management with comprehensive summary gathered factors as they pertain to credit risk. Ad hoc projects, as needed. Skills/Qualifications: Three years of progressively responsible experience in Credit Department preferred. Must demonstrate knowledge of Microsoft Excel, particularly V- Lookup/Pivots/Formulas. Understanding of D&B and Experian Credit Report data for B2B credit decisions preferred. Understanding of the factors that go into making credit decisions. Must have the ability to communicate effectively verbally and in writing. Must have excellent analytical skills and pay attention to details. Must maintain a high level of confidentiality and exercise independent judgment and analysis. Must present a professional, business‑like manner and excellent customer service skills. SAP experience preferred. For this position, the expected base pay range is $22.50 - $30.50 hourly. Actual compensation will be determined based on job-related factors, including relevant experience, skills, education or certifications, and geographic location, consistent with applicable laws and company policy. DSV offers a comprehensive benefits program designed to support the health and well-being of employees and their families. Benefits include medical, prescription, dental, vision, and life insurance, as well as flexible spending accounts (FSAs), health savings accounts (HSAs) (for eligible plans), and short- and long-term disability coverage. Employees also have access to wellness resources, Employee Assistance Program (EAP) services, and other support benefits. Financial benefits include participation in the DSV 401(k) plan, which provides company matching contributions of up to 5%. To support work-life balance, DSV offers various paid time off programs and paid company holidays. Specific PTO and leave programs may vary by location and division in accordance with state or local laws DSV does not accept unsolicited agency resumes. Please do not forward unsolicited resumes to our website, employees, or Human Resources. DSV will not be responsible for any agency fees associated with unsolicited resumes. Unsolicited resumes received will be considered property of DSV and will be processed accordingly without fees. DSV is an equal employment opportunity employer. Candidates are considered for employment without regard to race, creed, color, national origin, age, sex, religion, ancestry, disability, veteran status, marital status, gender identity, sexual orientation, national origin, or any other characteristic protected by applicable federal, state or local law. If you require special assistance or accommodation while seeking employment with DSV, please contact Human Resources at *************. If you are interested in learning the status of your application, please note you will be contacted directly by the appropriate human resources contact person if you are selected for further consideration. DSV reserves the right to defer or close a vacancy at any time. DSV - Global transport and logistics Working at DSV means playing in a different league. As a global leader in transport and logistics, we have been on an extraordinary journey of growth. Let's grow together as we continue to innovate, digitalise and build on our achievements. With close to 160,000 colleagues in over 90 countries, we work every day to offer solid services and meet our customers' needs and help them achieve their goals. We know that the best way to achieve this is by bringing in new talent, fresh perspectives and ambitious individuals like you. At DSV, performance is in our DNA. We don't just work - we aim to shape the future of logistics. This ambition fuels a dynamic environment built on collaboration with world-class team players, accountability and action. We value inclusivity, embrace different cultures and respect the dignity and rights of every individual. If you want to make an impact, be trusted by customers and grow your career in a forward-thinking company - this is the place to be. Start here. Go anywhere Visit dsv.com and follow us on LinkedIn and Facebook.

Performs cash flow and financial analysis for CRE and C&I (Fresh loans & Existing Note Modifications / Renewals). Provides analytical support and recommendations to drive portfolio performance, mitigate risk, and facilitate sound credit decisions based on client's provided documents and all third-party reports. (Appraisal & Environmental Phase I & II). Critically assessing rent rolls, financial statements, tax returns (Corporate & Personal), Lease agreements, management profiles, flood searches, credit reports and account relationships to evaluate potential risks, repayment ability, and collateral adequacy. Effectively evaluating loan proposals to determine strengths, weaknesses, and performance, which considerably improved the portfolio's quality. Responsible for challenging senior analysis tasks, including the preparation of complex reports and special memorandums for risk modification proposals, which are presented to senior management Adhering to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. Continuous coordination with the Loan Closing department. Complete other related duties as assigned by the officer In-charge Salary: $60,000 - $70,000 based on experience

When you join Kyocera Document Solutions America, Inc. you are joining an organization that is deeply rooted in the Philosophy of “doing what is right as a human being”. Through this Philosophy, our employees are passionate about providing best in class customer service through efficiency, accountability and a sense of urgency all while putting knowledge to work to drive change. In addition, we're a Great Place to Work… and we really mean it! Kyocera Document Solutions America, Inc. was officially certified a Great Place to Work since 2022. An organization earns this distinction when its employees have expressed their trust the people they work for, have pride in what they do and enjoy the people they work with. As a Credit Analyst, you will handle at least 80 to 100 dealer accounts, in aggregate, for both regions. On a daily basis, you will manage the order releases for all dealer orders on their regional order Queue. You will ensure that all orders for creditworthy accounts are promptly released and advise the dealers of any credit or collection issue. You will also need to secure approvals from the Third-Party companies for inventory finance orders and review all documentation for split funding orders. The chance to do something meaningful, to challenge yourself, to be a part of change in an industry, to influence change doesn't come around every day. Responsibilities + Manage the order releases for all dealer orders on their assigned order queue. + Ensure that all conforming orders for creditworthy accounts are promptly released. + Advise dealers of any credit or collection issues and the requirements for resolution. + Secure approvals from third-party finance companies for inventory finance orders. + Review all documentation for lease split funding orders. + Monitor the accounts that are delinquent by regularly reviewing the aging information. + Initiate collection efforts by phone or email to secure payment. + When discrepancies arise, assist the dealers in resolving the identified issues. + Work with Customer Service, Sales administration, and Regional Sales staff in an advocacy role. + Coordinate with Accounts Receivable staff to ensure prompt and correct cash applications, account reconciliation, and invoice payment variances. + Continuously review CWO reports, at least daily, to ensure CWO invoices are paid within policy. Continuously review third-party unpaid reports, at least daily, to ensure these invoices are paid within 30 days of the invoice date. + Effectively negotiate payment plans with dealers and act to ensure adherence to the plans. + Prepare legal referrals for past-due accounts as needed. + Ensure that updated dealer financial statements are received in a timely manner and reviewed on as annual basis, or more frequently as needed. + Assist the National Credit Manager by analyzing all types of customer financial statements including compilations, reviews, audits, tax filings, etc. + Perform financial ratio analysis on the balance sheets income statements and statements of cash flow to measure the financial condition of the dealer base through liquidity, solvency, efficiency, and cash flow statement analysis. + After completion of analysis, prepare a formal written credit narrative explaining the risk profile and then make quantitative recommendations to the National Credit Manager. + Cross train with other regional credit analysts regarding areas of responsibilities. + Provide monthly reports to Corporate Credit Management such as: regional delinquency performance, daily sales Outstanding (DSO), and past due analysis. Qualifications + Bachelor's degree in a business-related field. + Five or more years' experience in Commercial Credit Management. + Possess strong interpersonal and negotiation skills. + Industry experience is a significant plus. + Experience with a major ERP (Oracle, SAP, JD Edwards, etc.) + Proficient with Microsoft Office Suite, particularly Excel and Word. + Must be a strong team player. + Must be able to work overtime particularly during the end of the month. The typical pay range for this role is $71,000 -$88,000. This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography, and other relevant factors. We offer a comprehensive benefits package designed to support our employees' well-being which includes: + Medical, dental and vision plans + 401(k) retirement plan with Company match + Life insurance and disability coverage + Paid time off and holidays + Paid parental leave + Employee Assistance Program + Volunteer Time Off + Professional development course reimbursement Note This is a general description of the duties and responsibilities most frequently required of this position. The company may from time to time request that the incumbent perform other related tasks and assume reasonable responsibilities that have not been specifically included in this description. Kyocera Document Solutions America, Inc is a group company of Kyocera Document Solutions Inc., a global leading provider of total document solutions based in Osaka, Japan. The company's portfolio includes reliable and eco-friendly MFPs and printers, as well as business applications and consultative services which enable customers to optimize and manage their document workflow, reaching new heights of efficiency. With professional expertise and a culture of empathetic partnership, the objective of the company is to help organizations put knowledge to work to drive change. Kyocera is looking for enthusiastic and innovative people to help our customers run their businesses more efficiently and more profitably. We offer a generous benefits package including medical, dental and vision plans, a 401k match, flexible spending, disability and life insurance, plus paid time off and holidays. KYOCERA Document Solutions America, Inc. is an Equal Opportunity Employer, a VEVRRA Federal Contractor, and complies with all applicable federal, state, and local laws regarding nondiscrimination. Kyocera provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, disability, or protected veteran status. Qualified minorities, women, protected veterans and/or individuals with disabilities are encouraged to apply.

Profile: Primary activities will include, but not be limited to, research of potential investments across leverage finance (Broadly Syndicated Loans and High Yield bonds): Act as the credit research analyst responsible for credit investments in one or more sectors; Develop investment frameworks for relevant industries and the analysis of issuers; Provide fundamental credit research analysis of cash flow, credit metrics, financial performance, and comparative assessment of market value within sectors. Identify trends and changes in competitive positions within industries; Develop models for analysis, including sensitivity analyses to assess pro-forma and projected financial performance. Incorporate the firm's ESG framework in the analysis; Monitoring of news and industry developments in the credit markets. Responsibilities: Preference for a bachelor's degree in Finance, Accounting, Economics or Mathematics, or other relevant degrees. CFA or Masters degree is a plus 4+ years of prior experience in fundamental research and analysis in corporates Fundamental understanding of the syndicated loan and bond markets Comfortable reading and interpreting financial statements, credit agreements, related company documents Strong credit, finance, economic, business, and technical skills. Strong written and verbal communication skills Must be comfortable with Excel, Word, and PowerPoint. Bloomberg is a plus Fluent in English