Credit analyst jobs in Lauderhill, FL - 73 jobs

The Senior CRE Credit Analyst is responsible for conducting comprehensive due diligence, financial analysis, and underwriting of complex Commercial Real Estate (CRE) transactions, including acquisitions, construction, refinancing, and stabilized assets. This role involves preparing detailed Credit Approval Memorandums (CAMs), presenting recommendations to the Credit Committee, and ensuring all activities align with internal credit policies, OCC regulations, and strategic objectives. The analyst will work closely with relationship managers to structure credit terms, assess risk, and maintain a high-quality CRE portfolio. Although not a supervisory role, this position may assist in training junior analysts and supporting the Credit Manager and Chief Credit Officer. Key Responsibilities: Analyze borrower creditworthiness, property performance (NOI, DSCR), market trends, and collateral valuations. Prepare and present CAMs with thorough financial modeling, stress testing, and risk mitigants. Conduct annual and periodic loan reviews to ensure ongoing credit compliance. Collaborate with lenders to structure terms and provide recommendations for approvals or declines. Research and verify collateral, financial statements, and industry trends to assess portfolio exposure. Support and mentor junior analysts in financial analysis and underwriting techniques. Assist in refining underwriting standards and credit risk strategies. Qualifications: Bachelor's degree in Finance, Business, or Economics required; advanced degree preferred. 5-7 years of credit analysis experience, with strong CRE underwriting expertise. Proficiency in Excel and financial modeling; strong analytical and written communication skills. Experience across multiple property types (multifamily, office, retail, industrial, hotel). Knowledge of OCC regulations and commercial credit policy requirements.

A leading global financial services firm is seeking a Private Banker for its Latin America Private Bank in Miami, FL. The role involves advising ultra-high net worth clients on wealth management, building strong client relationships, and generating new business. Candidates should have over six years of experience in private banking, strong Spanish fluency, and relevant licenses. This position offers an opportunity to be part of a talented team and provides resources for career growth. #J-18808-Ljbffr

Credit Analyst - To $85K - Fort Lauderdale, FL - Job # 3625Who We AreThe Symicor Group is a boutique talent acquisition firm based in Schaumburg, IL & Rockport, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent. In fact, most of our recruiters are former bankers or accountants themselves!We know how to evaluate the very best banking and accounting talent available in the market. Whether you are a candidate seeking a new opportunity or a bank or company president trying to fill an essential position, The Symicor Group stands ready to deliver premium results for you.The PositionOur bank client is seeking to fill a Credit Analyst role in the Fort Lauderdale, FL area. The position is responsible for the analysis of financial statements and other relevant factors that accurately assess the credit worthiness of new commercial credit requests and identifies and mitigates key risks. This individual will present findings and recommendations in concise written reports which focus on cash flow and ability to repay and include evaluation of collateral and appropriate structure and terms. The Commercial Credit Analyst performs ongoing reviews of the financial condition of existing commercial borrowers. The opportunity has a generous salary of up to $85K and a benefits package. (This is not a remote position).Credit Analyst responsibilities include: Responsible for preparing basis and comprehensive credit analyses on commercial loans that facilitates the credit approval process for use by loan officers or committees in the making of lending decisions regarding new, renewal, and extension loans. Thoroughly analyzes the most complex commercial credits. Analyzing factors such as income growth, margins, trends, quality of management, market shares, industry risks and collateral assessment. Submits credit approval documents to appropriate personnel for decision making. Analyze & create loan presentations for the commercial loan committee. Assist lenders in evaluating credit proposals and proper structure. Grade new and existing loans. Prepare financial projections and stress tests. Present financial information to the loan committee and vote on loan presentations. Prepare audits on commercial loans for documentation and credit exceptions, provide recommendations. Maintain a list of ongoing loan exceptions. Maintain a list of loans to be funded. Who Are You?You're someone who wants to influence your own development. You're looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future.You also bring the following skills and experience: Bachelor's Degree in a related field of study preferred specialized financial analysis training. Five or more years of experience as a Credit Analyst required. Experienced in preparing credit presentations. Able to manage/process/track annual reviews of the necessary credits. Thorough knowledge of current lending and loan review regulations and banking regulations, procedures, and operations. Proficient ability to analyze and interpret financial statements. Excellent written and verbal communication skills. Strong organizational skills with an eye for detail. Ability to multi-task. Adept with spreadsheet and word processing software as well as have experience working in a digital office environment. The next step is yours. Email us your current resume along with the position you are considering to:************************

Job Title: Credit Analyst Salary Range: $60,000 - $80,000, plus commission LoanBud is a rapidly expanding fintech focused on supporting small businesses through innovative financing solutions. Our mission is to empower small-business owners by providing streamlined access to capital through SBA and other small-business loans. We foster a culture of growth, teamwork, and dedication to the entrepreneurial spirit. Position Overview We're hiring a Credit Analyst to evaluate and prequalify SBA 7(a) transactions, compile complete lender-ready packages, and submit files for underwriting. You will analyze cash flow, build DSCR calculations, collect and track documents, and collaborate with buyers, sellers, brokers, and lenders to move deals efficiently from inquiry to approval. Prior M&A or business-brokerage experience is a plus. Key Responsibilities Deal Screening and Prequalification: Review listings and buyer scenarios for SBA 7(a) eligibility; assess structure, DSCR, working capital, and debt capacity; flag issues and propose mitigants. Credit Analysis: Build pro forma P&Ls, cash-flow statements, debt schedules, and sensitivity cases; evaluate add-backs, owner compensation, and collateral; summarize strengths, risks, and conditions. Packaging and Submission: Assemble complete loan packages and lender forms; draft concise credit write-ups; submit to lenders and manage follow-ups through screening and underwriting. Document Collection: Own checklists and timelines for financials, tax returns, bank statements, personal financial statements, purchase agreements, and related materials; drive stakeholder responses. Stakeholder Coordination: Communicate with internal teams, buyers, sellers, and brokers; schedule calls; track milestones; keep CRM/LOS records current and accurate. Process Improvement: Standardize templates and Excel tools; suggest automation to speed analysis and packaging. Requirements Bachelor's degree in Finance, Accounting, Economics, or related field (or equivalent experience). 1-3+ years in credit analysis, underwriting support, corporate finance, investment banking, or business brokerage; SBA 7(a) exposure preferred. Strong cash-flow analysis skills with command of DSCR and debt-capacity concepts. High proficiency in Excel (financial modeling, pivot tables, lookups) and comfort working with PDFs and statements. Clear written and verbal communication; highly organized, detail-oriented, and deadline-driven. Nice to have: prior M&A or quality-of-earnings experience; familiarity with tax returns and common add-backs. Location The position is office-based in Fort Lauderdale, supporting our collaborative and interactive company culture. Compensation & Benefits Compensation: Base salary $60k - $80k plus commission. Comprehensive health, dental, and vision insurance. Generous paid time off to support work‑life balance. Competitive 401(k) plan with substantial company matching. Application Process Interested candidates are invited to submit a detailed résumé and a compelling cover letter that explains their suitability for the role and their motivation to join LoanBud. LoanBud is dedicated to creating a diverse and inclusive work environment. We are an equal‑opportunity employer and welcome applications from all qualified candidates. Be Part of Our Growth Story Join LoanBud and help more entrepreneurs close on great businesses. Your analysis will directly accelerate approvals and unlock capital for small-business owners nationwide-apply today and help shape the future of how small businesses access SBA financing.

FinTrust Connect has partnered with a community-focused regional banking institution to identify a skilled Credit Analyst specializing in Commercial Real Estate. This is a hybrid role based in Coral Gables, FL, ideal for a candidate who thrives on analyzing complex CRE transactions and supporting portfolio performance in a dynamic, deal-driven environment. Why this opportunity? Culture: Credit-first institution with collaborative deal teams and a focus on responsible lending practices Workplace: Hybrid in Coral Gables, FL Function: CRE underwriting and portfolio oversight for new originations, renewals, and ongoing risk management Requirements: Minimum of 5 years of experience underwriting CRE loans in a commercial banking environment Bachelor's degree and formal credit training program preferred Proficiency in financial statement analysis, loan structuring, and real estate valuation methods Experience with borrowing base certificates, appraisals, rent rolls, and third-party CRE reports Knowledge of regulatory guidelines and risk rating methodologies Strong Excel and credit modeling skills Description: Underwrite and structure commercial real estate transactions including acquisitions, refinances, construction loans, and extensions Participate in client meetings and internal credit discussions to assess risk, guide loan structure, and ensure compliance with policy Prepare credit presentations and submit recommendations to appropriate credit authorities Monitor ongoing CRE loan portfolios for financial covenant compliance, maturing debt, collateral performance, and reporting requirements Analyze borrower financials, appraisals, rent rolls, and third-party reports to validate underwriting assumptions and risk exposure Maintain accurate and timely internal reports including criticized asset monitoring and risk ratings Coordinate with relationship managers, risk officers, and asset managers to support deal execution and portfolio performance Contribute to special projects and portfolio reviews focused on CRE credit exposure and strategic risk management

Our client is looking for a Credit Analyst to join their team in Miami. The individual will prepare credit analyses and underwrites commercial, international and consumer transactions as outlined below. RESPONSIBILITIES: Spread financial statements in order to pre-screen the viability of the credit proposal Examines accounting methods and scrutinizes financial statement and accompanying information Prepare credit presentations which include the following: identify and mitigate risk, identify sources of repayment, sensitivity analysis, industry data and project analysis Pull credit reports, OFAC and background checks to evaluate and examine credit references for consistency with information provided Analyzes borrower's business methods of operations, operational environment, financial condition and operating performance to determine borrower's ability to pay on loans Requests specific information and discusses or resolves issues pertaining to borrower's business, financial status and credit risk Confers with Credit Manager in order to resolve problems with application or missing information Performs credit underwriting, assess credit risk, complies with the Bank's Credit Policy and issues recommendations about credit proposals to be reviewed by the Credit Manager Performs credit analyses for annual reviews and credit renewals as required Conducts follow-up of borrowers' financial situations with authorized credit facilities Assures financial covenants of each transaction are carried out as approved Maintains continuous efforts to supervise problem credits Attends to administrative functions of the credit Committee (agenda, minutes and board letters) when needed Signs and authorizes credit/trade references when needed Participates in special projects related to the bank's loan portfolio, such as but not limited to legal lending limit log, Allowances for Loan Losses, etc. Full knowledge and understanding of bank policies, procedures, regulatory and compliance requirements, including but not limited to BSA/AML, CDD, EDD, and others as defined by the Compliance Division and Information Security Division Attend and/or complete all required training as assigned Ensure compliance with all applicable laws, regulations and policies EDUCATION AND/OR EXPERIENCE: Bachelor's degree (B.A) from qualified college or university; and five years related experience and/or training; or equivalent combination of education and experience.

Type: Full -Time | On -Site Urgent Hire - Fast Interview Process We are seeking a Corporate Banking Credit Analyst II to support the Corporate -Syndicated Lending segment of a leading financial institution headquartered in Miami. This is a high -visibility role within a dynamic and growing team focused on Syndicated Loans (50%), Middle Market Lending (25%), and Project Finance (25%). The position operates in a credit -investor environment, analyzing Term Loans in both primary and secondary markets-holding them through maturity-while also participating in bilateral and club deals. This is an industry -agnostic position with direct exposure to senior leadership and strategic decision -making. Key Responsibilities: Draft comprehensive Credit Approval Memorandums (CAMs) for new and existing loans, annual reviews, waivers, and amendments. Conduct in -depth credit underwriting and financial analysis using a wide range of materials (financials, models, lender decks, filings, reports, etc.). Ensure loan proposals are compliant with internal credit policies and underwriting standards. Proactively address potential credit committee questions and risks within the CAM. Present findings to the Corporate and Credit Banking Departments and communicate key risk insights. Support portfolio monitoring, amendments, waivers, and quarterly reporting. Contribute to internal credit and pipeline meetings and maintain strong collaboration with internal teams. Requirements Candidate Profile: Minimum of 2 years of credit or lending experience in banking or related finance sectors. Strong analytical skills and attention to detail in credit documentation and risk evaluation. Excellent communication and presentation abilities. Proactive, collaborative, and ownership -driven mindset. Comfortable working full -time on -site in a fast -paced, high -stakes corporate environment. Core Competencies: Customer Focus & Relationship Building Business Acumen & Financial Insight Analytical Thinking & Problem Solving Communication & Presentation Skills Accountability & Results Orientation Collaboration & Teamwork Adaptability & Innovation Work Environment: This is an in -office role located in a professional corporate setting. Occasional external events may require extended hours or attendance during non -business days. Benefits Avantis Resources is proud to be an Equal Opportunity Employer. We encourage all qualified individuals to apply.

ABOUT BCI Bci provides financial services to individuals and corporations. We focus on being a global leader in innovations and personalized client experience and, with more than 10,500 employees, Bci is recognized as one of the best companies in which to work and develop a career. It is the third largest privately owned bank in Chile and it has more than 300 branch offices throughout Chile and representative offices in other countries. Bci is an Equal Opportunity Employer - All qualified applicants will receive consideration without regard to race, color, religion, gender, national origin, age, disability, veteran status, or any other factor determined to be unlawful under applicable law. JOB SUMMARY The Senior Credit Analyst assists the SVP Credit Risk Manager with all aspects of the underwriting process of multimillion complex syndicated and bilateral credits for large domestic and foreign corporate enterprises operating in several diverse industries and which are usually listed in stock exchanges and rated by credit rating agencies. Credit facilities include working capital lines, trade financing, term loans, acquisition financing and project financing. The Senior Credit Analyst serves as back up to the SVP Credit Risk Manager. DUTIES OF THE POSITION The duties of the position include, but are not limited to, the following: Provide guidance to staff involved in credit analysis in domestic and international offices. Actively participate in credit configurations meetings with lenders providing guidance and feedback on loan structures and analysis, participating in calls to clients as needed. Borrower assessment: its structure, its operations, the industry in which it operates. Assessment of the loan structure being requested. Accurately spread and analyze historical financial statements together with relevant projections to assess borrower's ability to repay. Determine and assess key credit risks and corresponding mitigants. Determine and assess key strengths and weaknesses. Ensure compliance with all relevant regulatory requirements such as Leveraged Lending and Project Financing Complement analysis with research and evaluation of market data using databases from Standard & Poor's, Bloomberg and others for items such as projections consensus, share price, market capitalization, bond prices and yields, and loan liquidity and pricing. Identify and document exceptions to Credit Policy. Recommend the credit risk rating to be assigned to the borrower following established policies and procedures. Timely prepare a sound, objective, independent and comprehensive assessment of the credit request in the established format incorporating the above requirements for presentation to Credit Risk Manager, Internal Management Committee, and International Credit Committee. Prepare and present quarterly analysis of interim financial statements for the borrowers assigned. Monitor compliance with terms and conditions. Monitor industry trends and economic developments to identify potential areas of risk in the loan portfolio. Ensure credit files contain all relevant documentation related to approved credits. Maintain courteous, professional and effective internal and external working relationships. Provide constructive feedback and suggestions in a cooperative professional manner. May assist with the process of internal/external audits, loan reviews and regulatory examinations. Effectively speaking before groups of customers or employees. Work all hours required to fulfill job duties and responsibilities (including evenings, weekends and holidays as needed). Provide coverage for other positions as requested and serve as back up to the SVP Credit Manager. May supervise and train junior credit analysts. Knowledge and Skills: Strong understanding of risk management and credit mitigants Strong analytical and financial modeling ability Good working knowledge of Standard & Poor's and Moody's analytical tools Strong verbal and written communication skills Excellent knowledge of US Regulatory Guidance and relevant laws and regulations Ability to understand, speak, read and write English and Spanish Effectively speaking before groups of customers or employees Assume evolving duties and responsibilities of position Work all hours required to fulfill job duties and responsibilities (including, weekends, evenings and holidays as needed) Travel as required Provide coverage for other positions as requested Ability to carry and lift boxes and objects that may weigh between 10 and 25 pounds. Perform additional duties and responsibilities as assigned by management In the performance of their duties, all BCI - Miami Branch staff members are required to comply with all state and federal regulatory and legal requirements, including the Bank Secrecy Act, the Federal Election Campaign Act of 1979, the Foreign Corrupt Practices Act, and the Bank Bribery Amendments Act. Additionally, all staff members must comply with in the BCI's Personnel Manual and Code of Ethics and other policies of BCI which are either currently in place or which may become effective during the staff member's employment. COMPLIANCE RESPONSIBILITIES In the performance of their duties, all Bci - Miami Branch staff members are required to comply all state and federal regulatory and legal requirements, including the Bank Secrecy Act, the Federal Election Campaign Act of 1979, the Foreign Corrupt Practices Act, and the Bank Bribery Amendments Act. Additionally, all staff members must comply with in the Bci's Personnel Manual and Code of Ethics and other policies of Bci which are either currently in place or which may become effective during the staff member's employment. PRE-HIRE REQUIREMENTS FOR THIS POSITION: COMPUTER: Ability to operate IBM compatible personal computers; fluency with Microsoft Word, Microsoft Excel, Microsoft PowerPoint and EDUCATION: Bachelor's degree in Business Administration, Finance, Accounting or related field EXPERIENCE: Minimum ten years of financial analysis experience in USA financial institutions Minimum 4 years of supervisory experience Minimum 3 years of experience participating in Credit Committees with Recommending duties

Job Description Lead a team of credit underwriting and portfolio managers to provide the bank with a sound, independent and objective assessment and monitoring of risks associated with the commercial & industrial loan portfolio, including evaluating and managing the creditworthiness of clients by analyzing financial statements and making informed lending decisions on credit requests, as well as monitoring the credit quality of the portfolio. Responsibilities: Manage credit underwriting team leads and provide guidance to produce timely and accurate credit recommendations to credit requests, including new and existing loans, increases and modifications, annual reviews and covenant compliance, while maintaining proper adherence to credit policy and banking regulations. Exercises prudent credit judgment through individual loan authority assigned by Credit Risk Management Committee, as approved by the Board of Directors. Participates in deal discussion meetings and exercises individually assigned authorities in each setting. Participates as a member of various credit risk oversight committees of the Bank which administer the commercial loan portfolio. Evaluates and approves or declines policy exceptions and modifications to existing loans, within individual loan authority. Provide reports to management on work pipeline, production and turn-around times, including assignment and monitoring of work performed to ensure quality and turnaround time is being met. Scope: working capital lines of credit, asset-based financing, term loans, owner-occupied and income-producing properties, warehouse lines, capital call lines, leverage buyouts, dividend payouts, trade financing lines, stand-by and commercial letters of credit. Also including large and complex structures. Financial analysis: thoroughly reviewing financial statements (income statements, balance sheets, cash flow statements, tax returns) of potential and existing borrowers and guarantors to understand their financial condition and operating performance. This requires a comprehensive understanding of financial statement analysis, including enterprise value analysis, stress-testing & sensitivity analysis under different scenarios and making projections using key drivers and assumptions to understand future cash flows and repayment capacity. Credit risk assessment: evaluating the likelihood of a borrower defaulting on a loan based on their financial health, industry trends, and economic factors to reach a credit recommendation for loan structure based on strengths and weaknesses, and assigning a risk rating. Loan structuring: collaborating with relationship managers to design suitable loan structures (e.g., lines of credit, term loans, covenants) based on the client's needs and creditworthiness. Customer interaction: communicate with, and visit, potential and existing clients to gather necessary financial information, discuss credit terms, and address inquiries. Credit reports: preparing comprehensive pre-screen and credit memos detailing the analysis of a company's financial situation, including strengths, weaknesses, and potential risks, to present to pre-screen, lending authority or credit committee, as appropriate. Legal documentation review: review term sheet and legal documentation to ensure conformity with approved terms. Industry knowledge: staying updated on industry trends, best practices, regulations, and economic conditions impacting specific sectors to accurately assess credit risk. Training: assist in the training process of new credit underwriting and portfolio managers, and interns. Specifically, assist the trainees in the following: adopting the operating procedures of the department, the various templates used, and credit criteria applied to the different types of analysis. Credit policy: clear understanding of the Bank's credit programs and policy and its adherence. Compliance: ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies on BSA, USA Patriot Act, OFAC and other AML related issues. Any other duties as assigned by the Chief Credit Officer or supervisor. Minimum Education and/or Certifications Requirements: Bachelor's degree in business, accounting or finance required. Master's degree preferred OR 10+ years of commercial credit analysis and/or portfolio management experience in lieu of education. Formal credit training required. Minimum Work Experience Requirements: 10+ years of professional experience in lending and/or credit analysis and portfolio management. Knowledgeable of banking products and documentation. 4-6 Years of supervisory authority either in a commercial line lending environment or staff lending/credit unit required. Technical and/or Other Essential Knowledge: Thorough understanding of the Bank's credit procedures, programs and policy. Accounting and credit principles. Proficiency in Microsoft Suite is required. Salesforce, nCino, FIS IBS experience is a plus. Sound time management and organizational skills required. Well organized and systematic. Must possess strong communication skills.

Lead a team of credit underwriting and portfolio managers to provide the bank with a sound, independent and objective assessment and monitoring of risks associated with the commercial & industrial loan portfolio, including evaluating and managing the creditworthiness of clients by analyzing financial statements and making informed lending decisions on credit requests, as well as monitoring the credit quality of the portfolio. Responsibilities: * Manage credit underwriting team leads and provide guidance to produce timely and accurate credit recommendations to credit requests, including new and existing loans, increases and modifications, annual reviews and covenant compliance, while maintaining proper adherence to credit policy and banking regulations. * Exercises prudent credit judgment through individual loan authority assigned by Credit Risk Management Committee, as approved by the Board of Directors. * Participates in deal discussion meetings and exercises individually assigned authorities in each setting. * Participates as a member of various credit risk oversight committees of the Bank which administer the commercial loan portfolio. * Evaluates and approves or declines policy exceptions and modifications to existing loans, within individual loan authority. * Provide reports to management on work pipeline, production and turn-around times, including assignment and monitoring of work performed to ensure quality and turnaround time is being met. * Scope: working capital lines of credit, asset-based financing, term loans, owner-occupied and income-producing properties, warehouse lines, capital call lines, leverage buyouts, dividend payouts, trade financing lines, stand-by and commercial letters of credit. Also including large and complex structures. * Financial analysis: thoroughly reviewing financial statements (income statements, balance sheets, cash flow statements, tax returns) of potential and existing borrowers and guarantors to understand their financial condition and operating performance. This requires a comprehensive understanding of financial statement analysis, including enterprise value analysis, stress-testing & sensitivity analysis under different scenarios and making projections using key drivers and assumptions to understand future cash flows and repayment capacity. * Credit risk assessment: evaluating the likelihood of a borrower defaulting on a loan based on their financial health, industry trends, and economic factors to reach a credit recommendation for loan structure based on strengths and weaknesses, and assigning a risk rating. * Loan structuring: collaborating with relationship managers to design suitable loan structures (e.g., lines of credit, term loans, covenants) based on the client's needs and creditworthiness. * Customer interaction: communicate with, and visit, potential and existing clients to gather necessary financial information, discuss credit terms, and address inquiries. * Credit reports: preparing comprehensive pre-screen and credit memos detailing the analysis of a company's financial situation, including strengths, weaknesses, and potential risks, to present to pre-screen, lending authority or credit committee, as appropriate. * Legal documentation review: review term sheet and legal documentation to ensure conformity with approved terms. * Industry knowledge: staying updated on industry trends, best practices, regulations, and economic conditions impacting specific sectors to accurately assess credit risk. * Training: assist in the training process of new credit underwriting and portfolio managers, and interns. Specifically, assist the trainees in the following: adopting the operating procedures of the department, the various templates used, and credit criteria applied to the different types of analysis. * Credit policy: clear understanding of the Bank's credit programs and policy and its adherence. * Compliance: ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies on BSA, USA Patriot Act, OFAC and other AML related issues. * Any other duties as assigned by the Chief Credit Officer or supervisor. Minimum Education and/or Certifications Requirements: Bachelor's degree in business, accounting or finance required. Master's degree preferred OR 10+ years of commercial credit analysis and/or portfolio management experience in lieu of education. Formal credit training required. Minimum Work Experience Requirements: 10+ years of professional experience in lending and/or credit analysis and portfolio management. Knowledgeable of banking products and documentation. 4-6 Years of supervisory authority either in a commercial line lending environment or staff lending/credit unit required. Technical and/or Other Essential Knowledge: Thorough understanding of the Bank's credit procedures, programs and policy. Accounting and credit principles. Proficiency in Microsoft Suite is required. Salesforce, nCino, FIS IBS experience is a plus. Sound time management and organizational skills required. Well organized and systematic. Must possess strong communication skills.

Overview Summary: The Credit Administrator is responsible for supporting the Credit Manager with credit-related duties. This position will work closely with the sales team to ensure proper payments are received from customers in the South Florida region. Principal Duties and Responsibilities: • Coordinate with Lien management provider on the distribution of NTO's for new jobs; record job notes using D365 • Scan backup and deposits checks and cash; record details on cash posting form • Communicate, prepare, coordinate, and log waivers in the system for South Florida customers; utilize Notary stamp for endorsement of waivers • Communicate with all South Florida customers as a reinforcement to ensure payment and identify when payment can be expected • Document and Report collection activities to Credit Manager via internal reports and guidelines • Work with dispatch to ensure that credit cards are run up front; track down outstanding balances, and follow up with collection agencies for outdated balances as necessary • Work with sales team and customers to coordinate short pays • Act as a resource for resolving credit memos in OnBase; ensure sales team is following up appropriately • Remain current on the marketplace and potential credit issues for other ready-mix customers in the South Florida region • Explore training opportunities on best practices, law changes, etc. Global Responsibilities: • Regular attendance and physical presence at work is an essential function of this position • This job may require additional duties not listed above and the employee may be asked to perform those duties to meet business needs Education/Specialized Knowledge/Professional Certifications: • High School Diploma or equivalent required • Bilingual in English/Spanish required • Bachelor's degree preferred Skills/Abilities: • Proficient with Microsoft Office Suite • Excellent time management skills • Strong attention to detail Working Conditions: • Operation within a professional office environment • Routine usage of standard office equipment such as computers, phones, photocopiers and filing cabinets Physical Requirements: • Regularly required to talk or hear; frequently is required to stand; walk; use hands to finger, handle or feel; and reach with hands and arms • Occasionally required to sit; climb or balance; and stoop, kneel, crouch or crawl • Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus Ozinga is an Equal Opportunity Employer. We consider applications for all positions without regard to race, color, religion, creed, gender, veteran status, national origin, age, disability, sexual orientation, citizenship status, genetic information, or any other legally protected status.

Accounts Receivable & Trust Analyst at Kelley Kronenberg Law firm! We're seeking an experienced Accounting professional with experience in Accounts Receivable and/or Trust account maintenance to join our finance team. In this role, you'll monitor trust account receivables, ensure compliance with legal and regulatory standards, and drive financial accuracy across all client accounts. This position is ideal for a detail-oriented professional with a strong foundation in billing and trust accounting, particularly in a legal or professional services setting. Core Responsibilities: Prepare, submit, and track client invoices for assigned attorneys Reconcile trust accounts and manage aging receivables Maintain client billing records, fee structures, and matter databases Support attorneys and clients with billing inquiries and reporting follow-up with clients on outstanding invoices Analyze financial trends and recommend process improvements Qualifications: Bachelor's degree in Accounting, Finance, or related field 4+ years of experience in trust accounting, billing, or AR Prior experience in a law firm or professional services setting Strong knowledge of trust account compliance standards Proficiency in Excel and accounting software Excellent communication, problem-solving, and organizational skills What We Offer: Competitive compensation and full benefits Collaborative, team-oriented culture Opportunity to grow in a stable, well-respected legal organization Exposure to complex billing processes and high-level financial operations To apply, submit your resume. If you know someone who fits this role, please feel free to share.

This position is embedded within the Syndications team and provides specialized credit expertise to support the origination, distribution, and management of syndicated loan transactions in the U.S. The role is responsible for evaluating primary and secondary loan opportunities, preparing comprehensive credit assessments, and ensuring transactions align with the organization's risk appetite and policies. This position requires strong analytical capabilities, familiarity with the syndicated loan market, and the ability to collaborate closely with internal stakeholders and Credit Department Managers. While the role has no direct supervisory duties, it supports the training and oversight of junior analysts. The individual must be fully proficient in all aspects of credit analysis, exercising sound independent judgment and advanced financial evaluation skills. All employees are responsible for complying with applicable regulations, including OFAC requirements. DUTIES & RESPONSIBILITIES Prepare detailed credit analysis reports for lending officers and Credit Committees, recommending approval or denial of credit facilities for institutional and corporate borrowers. Responsibilities include: Assigning appropriate loan codes. Verifying audit levels and financial reporting standards based on internal policy. Spreading financial statements and tax returns into the appropriate software. Analyzing financial ratios and trends. Reviewing peer comparisons and drawing meaningful conclusions. Running and analyzing third-party reports (e.g., credit bureau, D&B, rating agencies). Conducting background checks using OFAC, LexisNexis, public databases, and online searches. Requesting and reviewing credit references from other lenders. Confirming collateral positions through county and state public records. Preparing written credit analyses that present factual findings and well-reasoned opinions. Independently conduct industry research and prepare reports assessing portfolio exposure, sector risk, and market conditions. Ensure proposed and existing loans comply with internal credit policy guidelines. Provide assistance to Credit Analysts, Credit Managers, Credit Portfolio Managers, and senior credit leadership as needed. Participate in and support special projects assigned by Credit Managers or the Chief Credit Officer. Maintain ongoing communication with Lending Officers and Credit Department Managers, supporting new loan requests and renewals. Assist in training junior analysts, including instruction on financial spreading, ratio analysis, cash flow evaluation, peer comparisons, and qualitative risk assessment. Provide analytical and administrative support to Credit Managers, Portfolio Managers, and the Chief Credit Officer. DESIRABLE EXPERIENCE & SKILLS Minimum 3-4 years of prior credit training and experience, ideally within syndicated lending, corporate banking, or commercial credit. Strong proficiency in Microsoft Word and Excel; high accuracy and attention to detail Strong analytical skills, with the ability to conduct research, interpret financial data, and communicate findings clearly. Excellent written and verbal communication abilities. Strong time-management and organizational skills, with the ability to manage multiple transactions simultaneously.

Our bank client is seeking to fill a Credit Analyst role in the Ft. Lauderdale, FL area. The successful candidate will be responsible for preparing in-house spreadsheets designed to quantify borrowers' personal, global, and real estate debt service abilities. The position includes a generous salary of up to $85K and an excellent benefits package. (This is not a remote position). Credit Analyst responsibilities include: Analyzing credit data to estimate the degree of risk involved in extending credit or lending money to firms or individuals. Preparing financial statement spreads using Moody's financial statement analysis software. Preparing narrative analysis of findings and recommendations for lenders. Reviewing of outgoing analysis prepared by the CA I position. May assist, coordinate, and attend loan committee. Other duties assigned. Requirements Who Are You? You're someone who wants to influence your own development. You're looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future. You also bring the following skills and experience: Equivalent to a four-year college degree, or equivalent combination of education and experience. Five or more years of related experience and/or training. 12 to 18 months of related management experience. Ability to write reports, business correspondence, and policy/procedure manuals. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Benefits The position includes a generous salary of up to $85K and an excellent benefits package. (This is not a remote position).

Job DescriptionABOUT BCI Bci provides financial services to individuals and corporations. We focus on being a global leader in innovations and personalized client experience and, with more than 10,500 employees, Bci is recognized as one of the best companies in which to work and develop a career. It is the third largest privately owned bank in Chile and it has more than 300 branch offices throughout Chile and representative offices in other countries. Bci is an Equal Opportunity Employer - All qualified applicants will receive consideration without regard to race, color, religion, gender, national origin, age, disability, veteran status, or any other factor determined to be unlawful under applicable law. JOB SUMMARY The Senior Credit Analyst assists the SVP Credit Risk Manager with all aspects of the underwriting process of multimillion complex syndicated and bilateral credits for large domestic and foreign corporate enterprises operating in several diverse industries and which are usually listed in stock exchanges and rated by credit rating agencies. Credit facilities include working capital lines, trade financing, term loans, acquisition financing and project financing. The Senior Credit Analyst serves as back up to the SVP Credit Risk Manager. DUTIES OF THE POSITION The duties of the position include, but are not limited to, the following: Provide guidance to staff involved in credit analysis in domestic and international offices. Actively participate in credit configurations meetings with lenders providing guidance and feedback on loan structures and analysis, participating in calls to clients as needed. Borrower assessment: its structure, its operations, the industry in which it operates. Assessment of the loan structure being requested. Accurately spread and analyze historical financial statements together with relevant projections to assess borrower's ability to repay. Determine and assess key credit risks and corresponding mitigants. Determine and assess key strengths and weaknesses. Ensure compliance with all relevant regulatory requirements such as Leveraged Lending and Project Financing Complement analysis with research and evaluation of market data using databases from Standard & Poor's, Bloomberg and others for items such as projections consensus, share price, market capitalization, bond prices and yields, and loan liquidity and pricing. Identify and document exceptions to Credit Policy. Recommend the credit risk rating to be assigned to the borrower following established policies and procedures. Timely prepare a sound, objective, independent and comprehensive assessment of the credit request in the established format incorporating the above requirements for presentation to Credit Risk Manager, Internal Management Committee, and International Credit Committee. Prepare and present quarterly analysis of interim financial statements for the borrowers assigned. Monitor compliance with terms and conditions. Monitor industry trends and economic developments to identify potential areas of risk in the loan portfolio. Ensure credit files contain all relevant documentation related to approved credits. Maintain courteous, professional and effective internal and external working relationships. Provide constructive feedback and suggestions in a cooperative professional manner. May assist with the process of internal/external audits, loan reviews and regulatory examinations. Effectively speaking before groups of customers or employees. Work all hours required to fulfill job duties and responsibilities (including evenings, weekends and holidays as needed). Provide coverage for other positions as requested and serve as back up to the SVP Credit Manager. May supervise and train junior credit analysts. Knowledge and Skills: Strong understanding of risk management and credit mitigants Strong analytical and financial modeling ability Good working knowledge of Standard & Poor's and Moody's analytical tools Strong verbal and written communication skills Excellent knowledge of US Regulatory Guidance and relevant laws and regulations Ability to understand, speak, read and write English and Spanish Effectively speaking before groups of customers or employees Assume evolving duties and responsibilities of position Work all hours required to fulfill job duties and responsibilities (including, weekends, evenings and holidays as needed) Travel as required Provide coverage for other positions as requested Ability to carry and lift boxes and objects that may weigh between 10 and 25 pounds. Perform additional duties and responsibilities as assigned by management In the performance of their duties, all BCI - Miami Branch staff members are required to comply with all state and federal regulatory and legal requirements, including the Bank Secrecy Act, the Federal Election Campaign Act of 1979, the Foreign Corrupt Practices Act, and the Bank Bribery Amendments Act. Additionally, all staff members must comply with in the BCI's Personnel Manual and Code of Ethics and other policies of BCI which are either currently in place or which may become effective during the staff member's employment. COMPLIANCE RESPONSIBILITIES In the performance of their duties, all Bci - Miami Branch staff members are required to comply all state and federal regulatory and legal requirements, including the Bank Secrecy Act, the Federal Election Campaign Act of 1979, the Foreign Corrupt Practices Act, and the Bank Bribery Amendments Act. Additionally, all staff members must comply with in the Bci's Personnel Manual and Code of Ethics and other policies of Bci which are either currently in place or which may become effective during the staff member's employment. PRE-HIRE REQUIREMENTS FOR THIS POSITION: COMPUTER: Ability to operate IBM compatible personal computers; fluency with Microsoft Word, Microsoft Excel, Microsoft PowerPoint and EDUCATION: Bachelor's degree in Business Administration, Finance, Accounting or related field EXPERIENCE: Minimum ten years of financial analysis experience in USA financial institutions Minimum 4 years of supervisory experience Minimum 3 years of experience participating in Credit Committees with Recommending duties

FinTrust Connect has partnered with a community-focused banking institution to identify a skilled Senior Credit Analyst. This is an opportunity to join a seasoned credit team, working closely with Relationship and Portfolio Managers to evaluate and support complex commercial lending activities. The ideal candidate brings a strong foundation in credit underwriting with a focus on C&I loans. Why this opportunity? Culture: Team-oriented, analytical, and collaborative environment with strong mentoring culture Workplace: On-site in Palm Beach, FL Function: Supports credit underwriting, portfolio management, and financial analysis for commercial clients, especially in medical and service sectors Requirements: 5+ years in credit analysis, loan review, or commercial banking Bachelor's degree in Accounting, Finance, or Business preferred Proficiency in Excel; familiarity with Salesforce or nCino is a plus Experience underwriting complex C&I loans, including for medical practices or service companies Strong understanding of bank operations and commercial loan structuring Description: Underwrite and analyze credit for commercial lending relationships with a focus on medical practices, service firms, and private client ventures Spread and interpret financial statements, perform covenant monitoring, and prepare detailed credit approval documentation Participate in structuring discussions and strategy meetings with Relationship Managers and Credit partners Track portfolio performance, manage credit risk, and ensure compliance with lending policies Collaborate with internal stakeholders and participate in client meetings Mentor junior analysts and contribute to special projects as needed

Our client is looking for a Commercial Credit Analyst with a business developer profile to join their team in Florida. The individual will focus on prepare credit analyses Underwrite commercial, international, and consumer transactions. The professional main responsibilities will be: Responsibilities: - Spread financial statements in order to pre-screen the viability of the credit proposal. - Examines accounting methods and scrutinizes financial statements and accompanying information. - Prepare credit presentations which include the following: identify and mitigate risk, identify sources of repayment, sensitivity analysis, industry data, and project analysis. - Pull credit reports, OFAC, and background checks to evaluate and examine credit references for consistency with the information provided. Requirements: - Bachelor's in Economy, Finance, BA or related fields - 2-3 years of experience in a similar role - Experience in banking credit analysis

Lead a team of credit underwriting and portfolio managers to provide the bank with a sound, independent and objective assessment and monitoring of risks associated with the commercial & industrial loan portfolio, including evaluating and managing the creditworthiness of clients by analyzing financial statements and making informed lending decisions on credit requests, as well as monitoring the credit quality of the portfolio. Responsibilities: Manage credit underwriting team leads and provide guidance to produce timely and accurate credit recommendations to credit requests, including new and existing loans, increases and modifications, annual reviews and covenant compliance, while maintaining proper adherence to credit policy and banking regulations. Exercises prudent credit judgment through individual loan authority assigned by Credit Risk Management Committee, as approved by the Board of Directors. Participates in deal discussion meetings and exercises individually assigned authorities in each setting. Participates as a member of various credit risk oversight committees of the Bank which administer the commercial loan portfolio. Evaluates and approves or declines policy exceptions and modifications to existing loans, within individual loan authority. Provide reports to management on work pipeline, production and turn-around times, including assignment and monitoring of work performed to ensure quality and turnaround time is being met. Scope: working capital lines of credit, asset-based financing, term loans, owner-occupied and income-producing properties, warehouse lines, capital call lines, leverage buyouts, dividend payouts, trade financing lines, stand-by and commercial letters of credit. Also including large and complex structures. Financial analysis: thoroughly reviewing financial statements (income statements, balance sheets, cash flow statements, tax returns) of potential and existing borrowers and guarantors to understand their financial condition and operating performance. This requires a comprehensive understanding of financial statement analysis, including enterprise value analysis, stress-testing & sensitivity analysis under different scenarios and making projections using key drivers and assumptions to understand future cash flows and repayment capacity. Credit risk assessment: evaluating the likelihood of a borrower defaulting on a loan based on their financial health, industry trends, and economic factors to reach a credit recommendation for loan structure based on strengths and weaknesses, and assigning a risk rating. Loan structuring: collaborating with relationship managers to design suitable loan structures (e.g., lines of credit, term loans, covenants) based on the client's needs and creditworthiness. Customer interaction: communicate with, and visit, potential and existing clients to gather necessary financial information, discuss credit terms, and address inquiries. Credit reports: preparing comprehensive pre-screen and credit memos detailing the analysis of a company's financial situation, including strengths, weaknesses, and potential risks, to present to pre-screen, lending authority or credit committee, as appropriate. Legal documentation review: review term sheet and legal documentation to ensure conformity with approved terms. Industry knowledge: staying updated on industry trends, best practices, regulations, and economic conditions impacting specific sectors to accurately assess credit risk. Training: assist in the training process of new credit underwriting and portfolio managers, and interns. Specifically, assist the trainees in the following: adopting the operating procedures of the department, the various templates used, and credit criteria applied to the different types of analysis. Credit policy: clear understanding of the Bank's credit programs and policy and its adherence. Compliance: ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies on BSA, USA Patriot Act, OFAC and other AML related issues. Any other duties as assigned by the Chief Credit Officer or supervisor. Minimum Education and/or Certifications Requirements: Bachelor's degree in business, accounting or finance required. Master's degree preferred OR 10+ years of commercial credit analysis and/or portfolio management experience in lieu of education. Formal credit training required. Minimum Work Experience Requirements: 10+ years of professional experience in lending and/or credit analysis and portfolio management. Knowledgeable of banking products and documentation. 4-6 Years of supervisory authority either in a commercial line lending environment or staff lending/credit unit required. Technical and/or Other Essential Knowledge: Thorough understanding of the Bank's credit procedures, programs and policy. Accounting and credit principles. Proficiency in Microsoft Suite is required. Salesforce, nCino, FIS IBS experience is a plus. Sound time management and organizational skills required. Well organized and systematic. Must possess strong communication skills.

Lead a team of credit underwriting and portfolio managers to provide the bank with a sound, independent and objective assessment and monitoring of risks associated with the commercial & industrial loan portfolio, including evaluating and managing the creditworthiness of clients by analyzing financial statements and making informed lending decisions on credit requests, as well as monitoring the credit quality of the portfolio. Responsibilities: * Manage credit underwriting team leads and provide guidance to produce timely and accurate credit recommendations to credit requests, including new and existing loans, increases and modifications, annual reviews and covenant compliance, while maintaining proper adherence to credit policy and banking regulations. * Exercises prudent credit judgment through individual loan authority assigned by Credit Risk Management Committee, as approved by the Board of Directors. * Participates in deal discussion meetings and exercises individually assigned authorities in each setting. * Participates as a member of various credit risk oversight committees of the Bank which administer the commercial loan portfolio. * Evaluates and approves or declines policy exceptions and modifications to existing loans, within individual loan authority. * Provide reports to management on work pipeline, production and turn-around times, including assignment and monitoring of work performed to ensure quality and turnaround time is being met. * Scope: working capital lines of credit, asset-based financing, term loans, owner-occupied and income-producing properties, warehouse lines, capital call lines, leverage buyouts, dividend payouts, trade financing lines, stand-by and commercial letters of credit. Also including large and complex structures. * Financial analysis: thoroughly reviewing financial statements (income statements, balance sheets, cash flow statements, tax returns) of potential and existing borrowers and guarantors to understand their financial condition and operating performance. This requires a comprehensive understanding of financial statement analysis, including enterprise value analysis, stress-testing & sensitivity analysis under different scenarios and making projections using key drivers and assumptions to understand future cash flows and repayment capacity. * Credit risk assessment: evaluating the likelihood of a borrower defaulting on a loan based on their financial health, industry trends, and economic factors to reach a credit recommendation for loan structure based on strengths and weaknesses, and assigning a risk rating. * Loan structuring: collaborating with relationship managers to design suitable loan structures (e.g., lines of credit, term loans, covenants) based on the client's needs and creditworthiness. * Customer interaction: communicate with, and visit, potential and existing clients to gather necessary financial information, discuss credit terms, and address inquiries. * Credit reports: preparing comprehensive pre-screen and credit memos detailing the analysis of a company's financial situation, including strengths, weaknesses, and potential risks, to present to pre-screen, lending authority or credit committee, as appropriate. * Legal documentation review: review term sheet and legal documentation to ensure conformity with approved terms. * Industry knowledge: staying updated on industry trends, best practices, regulations, and economic conditions impacting specific sectors to accurately assess credit risk. * Training: assist in the training process of new credit underwriting and portfolio managers, and interns. Specifically, assist the trainees in the following: adopting the operating procedures of the department, the various templates used, and credit criteria applied to the different types of analysis. * Credit policy: clear understanding of the Bank's credit programs and policy and its adherence. * Compliance: ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies on BSA, USA Patriot Act, OFAC and other AML related issues. * Any other duties as assigned by the Chief Credit Officer or supervisor. Minimum Education and/or Certifications Requirements: Bachelor's degree in business, accounting or finance required. Master's degree preferred OR 10+ years of commercial credit analysis and/or portfolio management experience in lieu of education. Formal credit training required. Minimum Work Experience Requirements: 10+ years of professional experience in lending and/or credit analysis and portfolio management. Knowledgeable of banking products and documentation. 4-6 Years of supervisory authority either in a commercial line lending environment or staff lending/credit unit required. Technical and/or Other Essential Knowledge: Thorough understanding of the Bank's credit procedures, programs and policy. Accounting and credit principles. Proficiency in Microsoft Suite is required. Salesforce, nCino, FIS IBS experience is a plus. Sound time management and organizational skills required. Well organized and systematic. Must possess strong communication skills.