Credit analyst jobs in Louisiana - 24 jobs

Job Posting: Since 1953, Ferguson has been a source of quality supplies for a variety of industries. Together We Build Better infrastructure, better homes and better businesses. We exist to make our customers' complex projects simple, successful, and sustainable. We proactively solve problems, adapt and grow to continuously serve our customers, communities and each other. Ferguson, a Fortune 500 company, is proud to provide best-in-class products, service and capabilities across the following industries: Commercial/Mechanical, Facilities Supply, Fire and Fabrication, HVAC, Industrial, Residential Trade, Residential Building and Remodel, Waterworks and Residential Digital Commerce. Ferguson has approximately 36,000 associates across 1,700 locations. Ferguson is a community of proud associates who operate with the shared purpose of building something meaningful. You will build a career that you are proud of, at a company you can believe in. Overall Job Objective: The Credit Specialist will be managing a portfolio of process focused customers and national accounts Responsibilities: Manage customers utilizing portals for purchase order delivery, invoicing, and payment, and handle a wide variety of credit and collection functions. Monitor invoice status and root cause issues within portals like Ariba, Coupa, Taulia, etc., and collaborate with EDI/E-Business for new or updated invoice submission automation/integration needs. Handle sophisticated, large, or difficult credit accounts, ensuring positive customer relations and minimizing outstanding debts. Maintain consistency between credit and collection activities and the organization's overall customer relations strategy. Implement credit policies to maintain an acceptable risk level, prompt repayments, minimize losses, and efficiently collect arrears. Contact customers regarding delinquent payments, prepare reports reflecting credit and collection status, and identify/address problem debts. Participate in associate meetings, communicate concerns to management, and spend time strengthening internal and external relationships. Support enterprise business and sales objectives through efficient performance of job responsibilities. Qualifications: 3-5 years of experience in credit management or similar roles. Proficiency in Microsoft Office software (Outlook, Word, Excel, PowerPoint, Access, etc.). Knowledge of Bectran, Billtrust, Cash App, PowerBI, and Levelset platforms. Ability to develop and deliver effective presentations and use Ferguson's inventory, logistics, and customer relationship management systems. At Ferguson, we care for each other. We value our well-being just as much as our hard work. We are committed to a holistic approach towards benefits plans and programs that support the mental, physical and financial well-being of our associates. Our competitive offering not only includes benefits like health, dental, vision, paid time off, life insurance and a 401(k) with a company match, but our associates also enjoy additional meaningful and inclusive enhancements that are adaptable to their diverse situations and needs, including mental health coverage, gender affirming and family building benefits, paid parental leave, associate discounts, community involvement opportunities and more! - Pay Range: - $21.63 - $32.45 - Estimated Ranges displayed are Monthly for Salaried roles OR Hourly for all other roles. - This role is Bonus or Incentive Plan eligible. - Ferguson complies with all wage regulations. The starting wage may be higher in certain locations based on local or state wage requirements. - The Company is an equal opportunity employer as well as a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans and the requirements of 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability. Ferguson Enterprises, LLC. is an equal employment employer F/M/Disability/Vet/Sexual Orientation/Gender Identity. Equal Employment Opportunity and Reasonable Accommodation Information

Summary Analyzes credit data and financial statements of individuals and/or firms to determine the degree of risk involved for the administration of an effective post-closing annual credit review function for the bank as well as daily management support of assigned covenant compliance tests for commercial clients by performing the following duties. Essential Duties and Responsibilities include the following. Performs annual reviews on credit relationships of $2,500,000 and greater. Identifies and analyzes areas of potential risk to the assets, earning capacity, or success of organization (including but not limited to more complex credits). Gathers risk-related data from internal or external resources in order to analyze credit data and financial statements to determine the degree of risk involved. Performs and administers the loan agreement covenant compliance monitoring system by reviewing and interpreting confidential financial statements, tax returns and supporting schedules to be used for covenant tests for borrowers and/or guarantors bank-wide based on their existing business loan agreements. Responsible for determining if covenant violations exist, and if so, immediately advises and works with the Relationship Manager to resolve the violations and to ensure credit is properly risk-rated. Assists relationship managers in assessing covenants and monitoring procedures. Consults with Relationship Managers and Credit Officers to make recommendations on risk ratings. Ensures Compliance with related SOX Controls. Provides support for borrowing base certificate monitoring process as needed. Recommends changes and new procedures to improve efficiency in existing processes and procedures. Assists Credit Risk Management Department as needed to carry out objectives. Additional Duties may include the following. Provides additional assistance as needed by Credit Risk Manager. Supervisory Responsibilities This job has no supervisory responsibilities. Competencies - To perform the job successfully, an individual should demonstrate the following competencies: Analytical and Design - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail. Problem Solving - Gathers and analyzes information skillfully; Works well in group problem solving situations. Project Management - Completes projects on time and budget. Interpersonal Skills/Customer Service - Maintains confidentiality; Listens to others without interrupting; Remains open to others' ideas and tries new things; Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments. Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Edits work for spelling and grammar; Presents numerical data effectively; Able to read and interpret written information. Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests. Business Acumen - Understands business implications of decisions. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Supports affirmative action and respects diversity. Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions. Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently. Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position. Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner. Adaptability and Initiative - Adapts to changes in the work environment; Asks for and offers help when needed. Attendance/Punctuality and Dependability - Is consistently at work and on time; Arrives at meetings and appointments on time; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience Bachelor's degree (B. A.) from four-year college or university, with Finance or Accounting degree preferred. Also seven to ten years related experience required. Language Skills Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization. Mathematical Skills To successfully perform this job, it requires the ability to calculate financial ratios including those ratios that measure liquidity, activity, leverage, coverage and profitability. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. Reasoning Ability Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Computer Skills To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Word, Excel and PowerPoint. Ability to use basic office machines such as 10-key adding machine, computer keyboard, telephone, fax machine and copy machine. Bank Culture/Customer Service Skills Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank. Compliance Requirements Responsible for compliance under the requirements of the BSA, AML, OFAC and CIP related policies as well as adherence to the bank's procedures to fulfill the requirements of the regulations. Must report any unusual or suspicious activity involving customers or fellow employees to the BSA Department. Other Skills and Abilities Ability to read and comprehend commercial and residential appraisals. Remains current with changes in USPAP, FIRREA, and CTB Lending Policy at all times. 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 frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear. 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 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision 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 moderate. This reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank's changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion. Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires further regulatory review and approval by management.

Thank you for your interest in our company! To apply, click on the button above. You will be required to create an account (or sign in with an existing account). Your account will provide you access to your application information. The email address used in establishing your account will be used to correspond with you throughout the application process. Please be sure and check the spam folder. You may review, modify, or update your information by visiting and logging into your account. JOB FUNCTION / SUMMARY: Senior Credit Review Analysts are responsible for reviewing diversified loans to ensure that acceptable credit standards are maintained and that loans conform to established company policy, identifying potential loan losses to help establish an adequate loan loss reserve calculation, and preparing loan review reports for distribution to account officers and management. ESSENTIAL DUTIES & RESPONSIBILITIES: Proficiently extracts and reviews samples of various segments of the portfolio and analyzes results to reach conclusions regarding asset quality of the portfolio as a whole and/or various aspects thereof Assembles raw loan portfolio data from diverse sources into meaningful reporting information for use in quantifying and assessing asset quality of the portfolio as a whole and various segments and/or aspects of the portfolio Prepares and distributes formal reports derived from the review and analysis of information obtained presenting both quantitative and qualitative evaluations of the asset quality of the overall portfolio and various segments and or aspects of the portfolio and offering recommendations to effect improvement. As a reviewer, uses credit and financial information, as well as industry/ economic data to verify continuing credit worthiness of the client. Review of collateral documentation, if necessary. Evaluates the adequacy of loan risk codes and accrual status. Recommends changes as appropriate. Informs supervisor of discrepancies in the perceived risk ratings as compared to the current risk rating assigned to the loan/relationship Assists with gathering information, preparing reports, and completing special projects as needed. May serve as a member of the Due Diligence team for future acquisitions. Serves as a Team Lead for two or more annual portfolio reviews. Assigns reviews and assists team members with loan reviews to ensure adherence to deadlines. When serving as a Team Lead determines sample to be reviewed and meets with line management regarding upcoming review. Throughout the review process, ensures the team's work is consistent and completed within allocated time frame keeping bank management informed throughout the review of progress and issues noted. SUPERVISORY RESPONSIBILITIES: May carry out supervisory responsibilities in accordance with the organization's policies, procedures and applicable laws; Provides guidance and oversight to and is responsible for the coordination and evaluation of the assigned team. Responsibilities may include interviewing, hiring and training associates; planning, assigning and directing work; performance management; associate compensation; approving expense reports; addressing concerns and resolving problems MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE: Bachelor's degree preferably in Business Administration, Finance or Accounting. 6 years of related banking experience required preferably in credit analysis, credit review and/ or commercial lending. Must have advanced training which can include either Loan Review Certification, Risk Certification, CPA designation or Graduate Banking School or be able to obtain one within one year of hire. A combination of equivalent education, training and experience may be considered. Expert-level understanding of functional areas; Credit, Finance, Compliance, Legal, Retail and wholesale preferred. Ability to apply conceptual intent of loan/deposit/payment transactions to practical situations Multi-state knowledge of laws, regulatory requirements and compliance rules ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS: Ability to travel if required to perform the essential job functions Ability to work under stress and meet deadlines Ability to operate related equipment to perform the essential job functions Ability to read and interpret a document if required to perform the essential job functions Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement. Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.

A Credit Analyst assists in protecting the financial assets of the company within CED Credit Offices. The desired candidate will use discretion and independent judgment to investigate credit granting, manage a portfolio of receivable accounts, and review and execute legal documents on the behalf of CED. The ideal candidate requires self-motivation, must prioritize effectively, and work successfully with minimal supervision. Reports to: Credit Manager Minimum Qualifications: + Proficiency with MS Excel + Excellent math skills + Experience in credit and collections + Excellent ability to read, write, and speak English Preferred Qualifications: + College degree - will consider related experience in lieu of degree + Strong negotiation skills + Proficiency with Microsoft Office Suite software + Detail oriented + Ability to solve problems + Must be a self-starter who can handle a heavy volume of work and be able to handle multiple tasks at the same time Working Conditions: + Largely sedentary role in an office environment + Routine use of office equipment such as computers, phones, photocopiers, fax machines, filing cabinets Supervisory Responsibilities: No Essential Job Functions: + Be able to manage a large accounts receivable portfolio which includes negotiating, financial review, and creating plans of action with customers and the Division Credit Manager. + Recommend best method of collection on delinquent accounts in collaboration with the Division Credit Manager and PC Manager. + Ability to review credit applications for credit granting, and establishing six figure credit limits. + Escalating collection activities as required by business circumstances. + Assisting the Division Credit Manager to maintain and enforce CED's lien and bond rights for secured projects. + Using experience and customer knowledge to determine the proper time to place accounts on credit hold in collaboration with the Division Credit Manager and PC Manager. + Face-to-face customer meetings to establish and maintain strong relationships with customers and PC Managers. + Negotiating differences with customers and making arrangements for payment and dispute resolution. + Presenting payment, status, plan, reports, and information to management for quarterly credit meetings. + Maintaining professional relationships with Managers and external customers. CED is an Equal Opportunity Employer - Disability | Veteran Compensation Range: The compensation range for this position is $53000 to $58000 annually. Other Compensation: The following additional compensation may be applicable for this position: + Profit Sharing Benefits: Benefits available for this position are: + Insurance - Medical, Dental, Vision Care for full-time positions + Disability Insurance + Life Insurance + 401(k) + Paid Sick Leave + Paid Holidays + Paid Vacation + Health Savings Account (HSA) and matching + Dependent Care Flexible Spending Account (FSA) + Teledoc + Paid Pregnancy & New Parent Leave

Job Function - Responsible for the Bank's overall credit quality and loan portfolio risk management. Key duties include setting and enforcing credit policies, overseeing the loan portfolio, ensuring regulatory compliance, and developing strategies to support lending goals of the Bank. Works jointly with the Chief Risk Officer as a liaison between the Bank, Federal Reserve Board, OCC, and other regulatory agencies to ensure compliance with banking legislation. Job Responsibilities - • Credit policy and risk management - Maintain, enhance, and enforce the Bank's credit policies and procedures to ensure sound underwriting practices. Maintain quality control and minimize credit losses. Ensure the Bank's lending practices comply with applicable federal and state laws and regulations. Coordinate with internal and external auditors, loan review, and regulatory agencies regarding review of lending practices and compliance with banking and policy regulations. • Loan approval and administration - Oversees the loan approval process, including reviewing and approving complex or large loans, loan structure collaboration with Banking teams, and administration of the Special Assets loan workout process. • Strategic planning - Contributes to the Bank's overall business strategy as a member of the executive team through the alignment of credit risk with business objectives. • Portfolio oversight - Monitor and oversee the Bank's loan portfolio quality, profitability, and risk level. This includes analyzation of past dues, classified assets, and concentrations in the loan portfolio. Maintain quality control and minimize credit losses. • Reporting and analysis - Directly prepare and assist with reporting for analysis by Executive Management, Board of Directors, Regulatory Oversight Agencies, and others as needed on the loan portfolio, credit risk, and Allowance for Credit Losses. • Leadership and training - Lead, mentor, and develop the credit and lending staff through training and guidance on polices and best practices. • Ensures that own work is in compliance with all applicable laws, regulations, policies and guidelines. • All other duties as assigned. Education and Related Experience - • Bachelor's degree required. • MBA or Masters in a business-related field (finance, business economics) preferred. • Extensive managerial experience in commercial, small business, commercial real estate and consumer lending is necessary. Broad knowledge of Bank credit policies, analysis, and regulatory practice. • 10+ years of relevant experience with a large Commercial Bank • Experience with nCino and CECL modeling preferred. • Previous experience as a commercial or commercial real estate banker preferred. Skills and Abilities - • Excellent leadership, communication, and negotiation skills. • Proficiency in risk management, banking procedures, portfolio management, and regulatory compliance. • Strong analytical and financial analysis skills • Must possess effective communication and presentation skills. • Must be proficient at Power Bi and MS Office products such as Excel, Word, and PowerPoint. Working Conditions and/or Physical Requirements - • Ability to work under stress and meet deadlines. • Ability to operate a keyboard if required performing the essential job functions. • Ability to read and interpret a document. • Ability to travel if required to perform the essential job functions. • Ability to lift/move/carry approximately twenty pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department an “undue hardship” then the employee must be accommodated; hence, omitting lifting as a physical requirement. Equal Opportunity Employer/Veterans/Disabled

Great employees are essential to maintaining the confidence our customers place in us. FGB believes that our employees are our greatest asset as demonstrated in their professionalism and dedication. We encourage open communication and strive to cultivate an environment in which our employees will contribute new ideas and innovations that will help us excel. As we grow, we want YOU to join our team to help fulfill our mission of serving the banking needs in our local communities. Our full-time employees are eligible for amazing benefits including medical, dental, vision, and basic life/AD&D insurance, prescription drug benefits, long term disability, and salary continuance (short-term disability). In addition, they get paid holidays, paid vacation and sick leave, a tuition reimbursement program, 401k, section 125 cafeteria plan, and the opportunity to earn FGB stock grants. Apply today to enjoy these benefits and more! Credit Analyst I Position Summary The Credit Analysts are responsible for the investigation and analysis of credit risks. Works on simple, non-sensitive accounts, following guidelines established by FGB. Conducts credit investigations and analyzes routine credit information pertaining to loans; prepares, or assists in the preparation of, credit reports for presentation to financial relationship managers or committees; furnishes information in relation to credit inquiries; provides assistance to financial relationship managers as requested Essential Duties and Responsibilities * Developing credit information for use by more experienced credit analysts, financial relationship managers, or committees in the making of lending decisions on new, renewal, and extension loans. * Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches. * Analyzes financial statements and related material. * Prepares summary, presents facts, and occasionally offers opinions concerning creditworthiness. * Providing credit information and references for customers, financial relationship managers, or other agencies as requested. * Ensures that all credit files are kept current with latest financial statements, agency reports, etc. * Contacts all available sources of information. * Assembles all pertinent information and reports. * Adheres to the BSA Policy and all other Bank Policies. * Other duties and responsibilities as may be assigned by supervisor. Minimum Qualifications (Education, Experience, Skills) * Degree in business related major (i.e. accounting, finance, etc.) or equivalent work experience. * Experience using Microsoft Word and Excel Credit Analyst II or III Position Summary Responsible for the investigation and analysis of credit risks. Resolves moderately complex credit problems but may require assistance on highly sensitive accounts. Develops and analyzes all types of credit information pertaining to diverse types of loans; prepares and occasionally presents credit reports to financial relationship managers or committees; maintains control over credit standings of current accounts; furnishes information relative to credit inquiries; provides assistance to financial relationship managers or the Credit Manager as requested. Essential Duties and Responsibilities * Developing credit information for use by more experienced credit analysts, financial relationship managers, or committees in the making of lending decisions on new, renewal, and extension loans. * Reviews all pertinent credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches. * Determines the need for more thorough investigation or additional information. * Maintaining control over current accounts, noting payment progress, watching for any developing problems, and keeping financial relationship managers informed. * Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches. * Analyzes financial statements and related material. * Prepares summary, presents facts, and occasionally offers opinions concerning creditworthiness. * Providing credit information and references for customers, financial relationship managers, or other agencies as requested. * Ensures that all credit files are kept current with latest financial statements, agency reports, etc. * Ensures the contact of all available sources of information. * Assembles all pertinent information and reports. * Assisting in the training of less-experienced department personnel. * Adheres to the BSA Policy and all other Bank Policies. * Other duties and responsibilities as may be assigned by supervisor. Minimum Qualifications (Education, Experience, Skills) * Degree in business related major (i.e. accounting, finance, etc.) or equivalent work experience. * MBA/CPA designation a plus * Minimum of 2 years (Credit Analyst II) / 5 years (Credit Analyst III) full-time work experience as a Credit Analyst or equivalent to include credit analysis & underwriting experience. * Experience using Microsoft Word and Excel Physical Demands and Work Environment The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk and hear. The employee frequently is required to use hands or fingers, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate. This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will posses the skills aptitudes and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills or abilities. This document does not create an employment contract, implied or otherwise, other than an "at will" relationship.

Are you a detail-oriented professional who excels at navigating complex regulations to ensure compliance? We are seeking a dedicated Tax Credit Specialist to be the driving force behind financial and regulatory integrity across our portfolio of affordable housing communities. This critical, full-time role safeguards the integrity of our tax credit allocations by ensuring every resident file is processed, maintained, and audit-ready throughout the entire lease lifecycle. What You'll Do: Be the Compliance Expert Certification Lifecycle: Proactively process, review, and finalize all resident certifications (initial, annual, and interim) to ensure flawless compliance with LIHTC regulations. Accuracy & Eligibility: Accurately calculate household income, assets, and rent to determine resident eligibility and ensure adherence to applicable income limits. Audit Readiness: Create, organize, and maintain all resident files to be audit-ready at all times (including Tenant Income Certifications - TICs). Audits & Reporting: Serve as a key contact for both external audits (State Housing Agencies, Investors) and internal file reviews, responsible for tracking, resolving, and reporting audit findings. Compliance Support: Act as the primary compliance resource, providing essential guidance and training on complex rules and updates to on-site property management teams. System Integrity: Ensure all resident and property compliance data is accurately entered and maintained in property management software (ResMan, Yardi, RealPage, AppFolio). The Benefits & Perks You'll Enjoy: We offer more than just a job; we offer a career with meaningful benefits, including these standout features: Work-Life Balance: Enjoy paid 1/2 days off every third Wednesday of the month, designated as WIN (What-I-Need) Wednesdays. Paid Time Off: You get your Birthday Off, plus generous vacation, PTO, and holiday pay. Long-Term Loyalty Rewards: Vacation Bonuses after every 5 years of service. A 1-Month Paid Sabbatical after every 10 years of employment. Comprehensive Coverage: Medical, dental, and vision insurance coverage, plus company-paid Short-Term (STD) and Long-Term Disability (LTD) insurance, and Life insurance. Other Perks: A paid Amazon Prime membership and a Simple IRA retirement plan. Ready to apply your expertise and make a vital impact on a company that values you? If you're a self-starter who excels at managing a high-volume workload while providing top-tier customer service, we want to hear from you! Apply today.

Commercial Credit Analyst - To $80K - New Orleans, LA - Job # 3429bWho We AreThe Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & San Antonio, 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 Commercial Credit Analyst role in the New Orleans, LA market. The successful Credit Analyst candidate will be responsible for processing daily credit transactions per the credit policy and procedures, and maintaining records and files on all credit transactions, including correspondence and documents.This position comes with a generous salary of up to $80K and full benefits package. (This is not a remote position).Commercial Credit Analyst responsibilities include: Performing in-depth financial analysis (spreading and analyzing financial statements). Receiving data on prospective and active borrowing accounts, i.e., financial statements, tax returns, agency and credit reports, and interview and investigation sheets. Analyzing data and evaluates the short- and long-run prospects of the individual or company. Making recommendations to appropriate personnel on the granting or denying of loans. Preparing sufficient information to document recommendations, if assigned to a lending function. Suggesting a loan grade after conducting a thorough credit analysis and documentation review. Ensuring that all credit analysis activities are conducted in accordance with prescribed lending policy. Providing thorough documentation of all financial analysis work, including ratios, cash flow, and collateral analysis, and other related information. Accompanying Commercial Lenders on customer's meetings when needed. Providing leadership, on-the-job training, and technical guidance to the other credit analysts. All other duties assigned. 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:************************

The Chief Credit Officer (CCO) serves as the senior executive responsible for overseeing all aspects of the Bank's credit function. This includes credit decisioning, portfolio monitoring, and risk management across all lending lines; Commercial & Industrial (C&I), Commercial Real Estate (CRE), Business Lending, Asset-Based Lending (ABL), Equipment Lending & Leasing, Government Guaranteed Lending, Small Business Administration (SBA) programs, and Consumer Lending. As a strategic leader, the CCO ensures that loans are prudently underwritten, risks are properly identified, and credit structures are designed to mitigate those risks while supporting the Bank's growth objectives. The ideal candidate will bring extensive credit leadership experience, including loan workout and restructuring expertise, with the ability to balance strategic direction against day-to-day execution and manage risk versus reward. The CCO will play a vital role in helping the Bank achieve its strategic goals in a disciplined, client-focused, and cost-effective manner. KEY RESPONSIBILITIES: Chairing the Bank's Credit Committee. Supervising credit and administrative teams. Maintaining strong relationships with regulators and auditors. Serving as a core member of the executive leadership team. ESSENTIAL FUNCTIONS: Develop and implement credit risk policies and procedures to ensure sound lending practices and effective risk management aligned with the bank's goals. Monitor and analyze the Bank's loan portfolio, identifying trends, risks, and opportunities for improvement, while maintaining the quality of the Bank's assets. Oversee the evaluation and approval process for complex loan applications, ensuring thorough analysis of creditworthiness and compliance with lending standards. Recruit, lead, mentor, train, coach, manage and develop a team of credit and administrative professionals, fostering a culture of collaboration, accountability, and high performance. Serve as a mentor and advisor for junior lending officers. Work with Portfolio Managers to ensure loan documentation software is updated and efficient. Serve as a liaison between RM's, PM's, loan documentation personnel and credit personnel to ensure workflows are efficient. Ensure the Bank's lending practices comply with federal and state regulations, staying informed about changes in laws and industry standards. Work closely with senior management and other departments to align credit risk management strategies with overall business objectives and initiatives. Regularly review and update credit policies to reflect changes in market conditions, regulatory requirements, and community needs. Prepare comprehensive reports on credit risk exposure and portfolio performance for the executive team and board of directors. Reports include Concentrations, Watch List, Policy Exceptions, Technical Exceptions, and others as requested. Monitor economic and industry trends to assess potential risks to the Bank's loan portfolio. Assist in managing the Bank's Current Expected Credit Loss (CECL) calculation. Serve as the liaison between the Bank and external parties (auditors, regulators, loan reviewers) on loan-related matters. Maintain and develop the Bank's credit delivery software system. Collaborate with legal counsel and other bank employees on work-out credits. Ensure the ongoing accuracy, reliability, and validity of credit risk models, conducting periodic reviews and validation to maintain model performance. Stay abreast of industry best practices and regulatory requirements for credit risk modeling, adapting models as needed. Assist in evaluating loan profitability, loan terms, pricing, terms, covenants and conditions for commercial and business loan transactions and ensure desired margins and profitability are obtained. Work closely with the Board of Directors, Audit Committee, ALCO Committee, Credit Committee, and any other executive level committee required Keep senior management and the Board of Directors informed of regulatory changes and their impact on credit operations. Other duties and special projects as assigned by the CEO. PROFICIENCIES: Strong written and oral communication skills and an ability to project a professional image. Proficiency in basic word processing and computer database skills. Ability to learn and navigate computer systems and websites necessary to fulfill job duties. Effective interpersonal skills, with the ability to work independently and as part of a team. Strong organizational and time-management skills, with the ability to prioritize tasks. Comprehensive knowledge of banking regulations and compliance requirements. Strong attention to detail and accuracy in work. Ability to maintain confidentiality of sensitive information. Strong customer service orientation with the ability to establish rapport and credibility. QUALIFICATIONS AND EDUCATION: Bachelor's degree in Finance, Accounting, Economics, or a related field; MBA or Graduate School of Banking preferred. Minimum of 15 years of progressive leadership experience in credit administration, risk management, loan underwriting, and credit analysis. Demonstrated success working closely with Boards of Directors, Regulators, and Executive Leadership teams. Deep knowledge of banking regulations, compliance requirements, and industry best practices. Exceptional analytical, critical thinking, and problem-solving skills. Strong organizational and project management capabilities, with a proven ability to manage multiple priorities and deliver results within tight deadlines. M C Bank is an Equal Opportunity / Affirmative Action employer, committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, religion, sex, sexual orientation, age, national origin, disability, protected veteran status, or any other factor protected by applicable federal, state, or local laws. All hiring decisions are based on qualifications, merit, and business needs.

Benefits: 401(k) 401(k) matching Dental insurance Health insurance Paid time off Parental leave Vision insurance Credit Analysts are responsible for analyzing credit information to evaluate the degree of risk involved with extending credit or lending money to businesses and individuals. Primary functions include analyzing new and existing customer financial information along with assisting lenders with structuring loans and analyzing collateral positions. A successful candidate must be able to perform all essential duties and functions as described. The Credit Analyst II should have the experience necessary to independently complete typical analysis requests and require minimal assistance on more complex requests. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. · Performs pre-funding analysis on loans and credit relationships by obtaining and analyzing credit and financial information· Performs post-funding analysis and reviews on existing loans and credit relationships· Reviews and prepares written analyses, spreadsheets, reports, summaries, and opinions · Analyzes and monitors the bank's collateral position on new and existing loans and credit relationships· Assists Loan Officers with structuring credits and completing loan offering sheets when needed· Assists with credit file monitoring to ensure that information is accurate and up-to-date· Serves as a client relationship representative to bank customers, both internally and externally· May periodically accompany Loan Officers on site visits to potential and existing customers· Understands and follows the bank's loan policy along with all applicable laws and regulations· Assists the Credit Officer, as needed, with special tasks or projects along with other duties as assigned · Assists the Credit Analysis Manager by periodically reviewing and editing analysis work completed by junior analysts Competencies Problem Solving/Analysis Teamwork orientation Customer focused Initiative Time management Communication proficiency Technical capacity Knowledge of office methods, procedures, and practices including the use of standard office equipment Detail oriented Organizational skills Mathematical skills Computer skills Attendance/Punctuality Dependability Supervisory Responsibility This position is not responsible for the supervision of other employees. Work EnvironmentThis position operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, fax machines, email, electronic calendars, scanning devices, calculators, and spreadsheets. Physical DemandsThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk or hear. The employee is frequently required to stand, walk, squat, use hands to finger, handle or feel, and reach with hands and arms. This job may also require the employee to frequently lift at least 50 pounds. Position Type/Expected Hours of WorkThis is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5:00 p.m. This position may require occasional evening and weekend work as needed. TravelTravel is primarily local during the business day; however, some out-of-area and overnight travel may be expected. Required Education and ExperienceBachelor's Degree in Business Administration or a related field and two years of existing Credit Analysis experience required. Preferred Education and ExperienceBachelor's Degree in Accounting or Finance and lending or related experience preferred. MinimumEquivalent combinations of experience, training and/or education approved by Human Resources This description is intended to be generic in nature. It is not intended to determine all specific duties and responsibilities of any particular position. Essential functions and overtime eligibility may vary on the specific tasks assigned to the position. Other Duties Please note that this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time, with or without notice. Equal Opportunity Employer/Veterans/Disabled We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

The Credit & Collections Specialist is responsible for evaluating customer creditworthiness, establishing and maintaining customer and vendor accounts, managing credit limits, monitoring accounts receivable, and proactively collecting outstanding balances. This role plays a critical part in protecting IMSCOs cash flow while supporting continued sales growth. The Credit & Collections Specialist will be the primary point of contact for customer credit setup and receivables follow-up, including contacting customers directly regarding past-due invoices, resolving billing discrepancies, and coordinating with internal teams to ensure timely and accurate payment. This position works closely with sales, accounting, operations, and management to balance credit risk with strong customer relationships, ensuring accounts are set up correctly, credit terms are enforced consistently, and issues are resolved efficiently. Job Relationships: Supervisor: Accounting Manager 2. QUALIFICATIONS Education: High school diploma or equivalent required. Higher education in Accounting, Finance, Business Administration, or a related field is preferred but not required with relevant experience. Training and Experience: The ideal candidate will have prior experience in credit, collections, accounts receivable, or accounting support, preferably in a B2B industrial, construction, or distribution environment Experience setting up and maintaining customer and vendor accounts, working with accounts receivable aging, and making outbound collection calls is required The candidate should be comfortable using ERP and accounting systems and be willing to learn IMSCOs internal processes, credit policies, and systems On-the-job training will be provided to familiarize the employee with IMSCOs products, customers, and internal procedures 3. PHYSICAL REQUIREMENTS Able to sit, stand, bend, walk, and move about for long periods of time Ability to communicate easily and effectively, including speaking and writing clearly Ability to think quickly and utilize a sense of urgency 4. PRIMARY RESPONSIBILITIES AND ESSENTIAL DUTIES Credit Management Review and process customer credit applications and supporting documentation Establish, monitor, and adjust customer credit limits based on risk and payment history Maintain customer credit files, including resale certificates and tax-exempt documentation Periodically review existing accounts for credit risk exposure Accounts Receivable & Collections Monitor AR aging reports and identify past-due accounts Contact customers regarding overdue invoices via phone and email in a professional manner Negotiate payment plans when appropriate and escalate delinquent accounts as needed Coordinate with sales and management on credit holds and account status Prepare and document collection notes and follow-up activity Internal Coordination Work closely with the sales team to balance credit risk and customer relationships Assist with posting and applying customer payments, researching discrepancies, and reconciling customer account balances as needed Assist with dispute resolution related to pricing, freight, or invoice discrepancies Ensure compliance with internal credit policies and procedures Reporting & Compliance Generate AR, credit exposure, and collections reports for management Maintain accurate records within IMSCOs ERP system

Lockton is growing! We are currently seeking out top talent to join our New Orleans Commercial Account Team! Account Teams are focused on building and maintaining long-term relationships by offering innovative insurance solutions with a personalized service approach for every client! Whether you are new to the insurance industry or well-versed in Commercial Lines account management, we want to talk to YOU! Why Join Lockton? In addition to the competitive pay, generous paid time off, comprehensive benefit options, and we can't forget about the opportunity to receive a Rolex at your 10-year anniversary, Lockton offers a unique experience for all Associates. As a privately owned organization, we are not driven by the quarterly pressure from the financial markets. This kind of independence frees us to always act in the best interest of our Clients and Associates; creating a completely different dynamic, one that is focused on your success. We have received several industry leading awards, which are a reflection of Lockton's exceptional Associates and Producers, who continue to deliver creative and innovative solutions for our clients and making a positive difference in their local communities. * America's Best Large Employers (Forbes Top 100) * Best Employers for Diversity (Forbes) * Best Places to Work (Business Insurance) - 13 years in a row * U.S. Best Managed Company (Deloitte and The Wall Street Journal)

Boyd Gaming Corporation has been successful in gaming jurisdiction in which we operate in the United States and is one of the premier casino entertainment companies in the United States. Never content to rest upon our successes, we will continue to evolve and retain a position of leadership in our industry. Our past success, our current business philosophies and our sound business planning, combine to position Boyd Gaming Corporation to maximize value for our shareholders, our team members and our communities. Job Description Qualifications Additional Information Boyd Gaming is proud to be an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, and basis of disability or any other federal, state, or local protected class. Boyd Gaming is proud to be an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, and basis of disability or any other federal, state, or local protected class.

**Come join our amazing team.** The Quantitative Analytics Lending Analyst will be responsible for helping to reshape and elevate the company's residential mortgage lending data analysis including marketing and customer engagement to pricing analytics, P&L, and market-trend insights, while modernizing the company's analytics toolkit. Leverage and bridge the company's investor-grade analytics platform with our lending affiliate: adapting Carrington Capital Management's proprietary models and tools for lending use cases, integrating lending performance back into the company's ecosystem, and driving actionable insights for capital-markets and investor initiatives. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, where in the company operates. The target pay for this position is $80,000 - $150,000 + Annual Bonus. Pay is based on job-related knowledge, skills, experience, and other relevant factors. **What you'll do:** + **End-to-end data ownership:** Clean, reorganize, and harmonize loan-origination, servicing, marketing, and customer datasets to extract actionable signals and performance metrics. + **Tool & model adaptation:** Write wrappers and interfaces to deploy CCM's existing pricing, prepayment, and credit-risk models within the lending platform. + **Analytics integration:** Feed lending performance and P&L results back into CCM's analytics ecosystem to close the loop and inform investor reporting. + **Reporting & dashboards:** Develop and maintain self-service dashboards and reports to track key lending metrics - recapture rates, marketing ROI, pricing variance, P&L attribution, and market trends. + **Performance reporting:** Prepare, present, and explain performance reports to senior lending management; gather and analyze feedback from loan officers to refine analytics and strategies. + **Strategic partnerships:** Collaborate with pricing, portfolio, investor-relations, and capital-markets teams to translate analytics into lending strategies and execute investor-driven initiatives. + **Ecosystem modernization:** Automate data pipelines, standardize definitions across CCM and lending systems, and deploy scalable analytics tools. + **Cross-functional liaison:** Work with IT, CRM, operations, and third-party vendors to ensure data quality and timely delivery of insights. + **Ad-hoc analysis:** Respond rapidly to one-off requests from senior management, investors, and affiliated divisions. + Perform other duties and projects as assigned. **What you'll need:** + Bachelor's or advanced degree in a quantitative field (e.g., Mathematics, Statistics, Computer Science, Engineering, Finance). + A minimum of one year of hands-on experience in mortgage-lending analytics, capital-markets analytics, or a related role; exceptional analysts with strong programming skills will also be considered. + Strong Python and SQL skills for data extraction, transformation, and analysis; familiarity with machine-learning techniques is highly desirable. + Proven ability to adapt and deploy proprietary quantitative models-experience writing wrappers or APIs to integrate analytics pipelines. + Demonstrated aptitude for working with and organizing unstructured or messy marketing/customer data: data-cleaning, ETL, and signal-extraction expertise required. + Experience building self-service dashboards or reporting tools (e.g., Tableau or similar). + Solid working knowledge of loan-origination and servicing workflows, including mechanisms for recapturing existing customers. + Excellent communication skills: able to translate complex analytics into clear, actionable insights for non-technical stakeholders. + Highly organized, self-motivated, and adept at juggling multiple high-priority projects in a fast-paced environment + Excellent skills in mathematics and statistics. + Hands-on experience using Python and various statistical packages to process and analyze large data sets. + Ability to apply popular machine learning techniques with reasonable understanding of their underlying algorithms. + Strong SQL and Python skills for data extraction and analysis. + Experience with Linux environments is preferred. + Highly motivated, team-oriented, a quick learner with good communication skills. + Strong organizational skills and time management skills to perform multiple tasks within limited time frames. + Prefer to work near our office in Greenwich, CT! **Our Company:** Carrington Capital Management, LLC (CCM) is an alternative asset management firm focused on control-based investing in the U.S. real estate, mortgage and fixed income markets. Through the mortgage loan servicing and property management operating affiliates, CCM is uniquely positioned to offer investment products that benefit from the operational resources and knowledge capital that flow across the Carrington platform. We provide investment strategies where our portfolio management team maintains an identifiable competitive advantage created by the firms' resources, market expertise and local property market penetration. We hope you'll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: carringtoncap.com . **What We Offer:** + Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. + Access to several fitness, restaurant, retail (and more!) discounts through our employee portal. + Customized training programs to help you advance your career. + Employee referral bonuses so you'll get paid to help Carrington and Vylla grow. + Educational Reimbursement. + Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs it supports through specific fundraising efforts, please visit: carringtoncf.org. **\# LI-GV1** Carrington is an equal opportunity employer. It is the policy of the company that applicants be considered for positions for which they qualify without regard to race, color, religion, sex, gender identity, national origin, ancestry, age, marital status, sexual orientation, protected veterans status, physical or mental disability or any other legally protected category. Carrington will make reasonable accommodations for known physical or mental limitations of a qualified applicant or employee with a disability unless the accommodation will impose an undue hardship on the company.

About McElroy Metal McElroy Metal is a leading manufacturer of metal roofing, metal siding and sub-structural components with 14 manufacturing facilities, 28 Service Centers and 44 Metal Mart locations across the US. After three generations of family ownership, McElroy transitioned to an employee-owned company (ESOP) in 2023. Ian McElroy, who continues to serve as the President of McElroy Metal, shared the reason for the change, "The one constant trait during our 60-year history is the influence and support of employees. Throughout the country, McElroy Metal is blessed to have loyal team members, including many that have dedicated decades of service to the company. As a show of appreciation, McElroy Metal team members are now employee owners of McElroy Metal.” Recruitment Video ******************************************* Benefits Employee Stock Ownership Program Comprehensive medical plan for all full-time employees and their dependents Prescription card benefit Dental plan for all regular full-time employees Life insurance for all regular, full-time employees at no cost to the employee Employee Assistance Program for all our employees and their immediate family members Short-term and Long-term disability insurance for all regular, full-time employees at no cost to the employee Educational Assistance Program 401(k) Plan, a company match and a profit-sharing plan Vacation, Paid Holidays, and Paid Sick Leave for regular, full-time employees Financial performance incentive programs In-house and outside employee training and development opportunities Summary McElroy Metal has an opening for a Senior Credit Representative at the Corporate Office in Bossier City, Louisiana. This non-exempt position analyzes and evaluates accounts receivables, determines the creditworthiness of potential customers, and effects procedures to collect monies on delinquent accounts. The position reports to the Corporate Credit Manager. About the Division The Credit Department resides at the Headquarters for McElroy Metal. Comprising over a hundred employee-owners, the corporate location has several departments that support our manufacturing, sales, and retail departments. Hours 8:00 am - 5:00 pm M-F Responsibilities Evaluates aging accounts receivable, and effects procedures to collect monies on delinquent accounts Makes recommendations on opening new customer accounts by researching and evaluating bank references, trade references, credit reports, and other documents that would prove credit worthiness Recommends raising existing customer credit limits by screening, identifying, and evaluating accounts Works closely with all retail locations Develops an understanding of construction lien laws Assists the Corporate Credit Manager with monthly reporting. Experience/Skills High School Diploma Excellent interpersonal skills Proficient in the use of Microsoft Word and Excel Ability and willingness to travel and meet customers throughout the country Three hours in accounting-related courses, or equivalent, preferred JD Edwards experience preferred Visit our McElroyMetal.com employment page for more information about our company, our locations, and how to join the McElroy Metal team. McElroy Metal will consider qualified applicants with a criminal history. You do not need to disclose your criminal history or participate in a background check until a conditional job offer is made to you. After making a conditional offer and running a background check, if McElroy Metal is concerned about conviction that is directly related to the job, you will be given the chance to explain the circumstances surrounding the conviction, provide mitigating evidence, or challenge the accuracy of the background report. McElroy Metal is an equal opportunity employer. We provide an inclusive environment that allows each employee to be their best based upon their merit, talent and aspiration. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, disability, age, sexual orientation, gender identity, national origin, veteran status, or genetic information. McElroy Metal is committed to providing access, equal opportunity, and reasonable accommodation for individuals with disabilities in employment. Requests for an accommodation should be made with the hiring manager. #CB

Summary Analyzes credit data and financial statements of individuals and/or firms to determine the degree of risk involved for the administration of an effective post-closing annual credit review function for the bank as well as daily management support of assigned covenant compliance tests for commercial clients by performing the following duties. Essential Duties and Responsibilities include the following. * Performs annual reviews on credit relationships of $2,500,000 and greater. * Identifies and analyzes areas of potential risk to the assets, earning capacity, or success of organization (including but not limited to more complex credits). * Gathers risk-related data from internal or external resources in order to analyze credit data and financial statements to determine the degree of risk involved. * Performs and administers the loan agreement covenant compliance monitoring system by reviewing and interpreting confidential financial statements, tax returns and supporting schedules to be used for covenant tests for borrowers and/or guarantors bank-wide based on their existing business loan agreements. * Responsible for determining if covenant violations exist, and if so, immediately advises and works with the Relationship Manager to resolve the violations and to ensure credit is properly risk-rated. * Assists relationship managers in assessing covenants and monitoring procedures. * Consults with Relationship Managers and Credit Officers to make recommendations on risk ratings. * Ensures Compliance with related SOX Controls. * Provides support for borrowing base certificate monitoring process as needed. * Recommends changes and new procedures to improve efficiency in existing processes and procedures. * Assists Credit Risk Management Department as needed to carry out objectives. Additional Duties may include the following. * Provides additional assistance as needed by Credit Risk Manager. Supervisory Responsibilities This job has no supervisory responsibilities. Competencies - To perform the job successfully, an individual should demonstrate the following competencies: Analytical and Design - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail. Problem Solving - Gathers and analyzes information skillfully; Works well in group problem solving situations. Project Management - Completes projects on time and budget. Interpersonal Skills/Customer Service - Maintains confidentiality; Listens to others without interrupting; Remains open to others' ideas and tries new things; Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments. Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Edits work for spelling and grammar; Presents numerical data effectively; Able to read and interpret written information. Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests. Business Acumen - Understands business implications of decisions. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Supports affirmative action and respects diversity. Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions. Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently. Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position. Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner. Adaptability and Initiative - Adapts to changes in the work environment; Asks for and offers help when needed. Attendance/Punctuality and Dependability - Is consistently at work and on time; Arrives at meetings and appointments on time; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience Bachelor's degree (B. A.) from four-year college or university, with Finance or Accounting degree preferred. Also seven to ten years related experience required. Language Skills Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization. Mathematical Skills To successfully perform this job, it requires the ability to calculate financial ratios including those ratios that measure liquidity, activity, leverage, coverage and profitability. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. Reasoning Ability Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Computer Skills To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Word, Excel and PowerPoint. Ability to use basic office machines such as 10-key adding machine, computer keyboard, telephone, fax machine and copy machine. Bank Culture/Customer Service Skills Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank. Compliance Requirements Responsible for compliance under the requirements of the BSA, AML, OFAC and CIP related policies as well as adherence to the bank's procedures to fulfill the requirements of the regulations. Must report any unusual or suspicious activity involving customers or fellow employees to the BSA Department. Other Skills and Abilities Ability to read and comprehend commercial and residential appraisals. Remains current with changes in USPAP, FIRREA, and CTB Lending Policy at all times. 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 frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear. 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 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision 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 moderate. This reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank's changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion. Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires further regulatory review and approval by management.

Great employees are essential to maintaining the confidence our customers place in us. FGB believes that our employees are our greatest asset as demonstrated in their professionalism and dedication. We encourage open communication and strive to cultivate an environment in which our employees will contribute new ideas and innovations that will help us excel. As we grow, we want YOU to join our team to help fulfill our mission of serving the banking needs in our local communities. Our full-time employees are eligible for amazing benefits including medical, dental, vision, and basic life/AD&D insurance, prescription drug benefits, long term disability, and salary continuance (short-term disability). In addition, they get paid holidays, paid vacation and sick leave, a tuition reimbursement program, 401k, section 125 cafeteria plan, and the opportunity to earn FGB stock grants. Apply today to enjoy these benefits and more! Position Summary The Credit Card Specialist handles inbound and outbound calls, assists with applications and account setup, resolves transaction issues, and provides excellent customer service while ensuring compliance and coordinating with internal teams. Essential Duties and Responsibilities * Process credit card applications, coordinate with the Credit Department for approvals, and ensure all required documentation is completed and cards are ordered. * Answer inbound and make outbound calls to assist customers with credit card transactions, providing excellent customer service and resolving errors over the phone in compliance with regulations. * Balance daily reports and internal accounts. * Pull and review past-due reports weekly, submit findings to the Special Assets Department, and collaborate with the team to resolve delinquent accounts. * Work with the Marketing Department to ensure all credit card rate updates and application changes are accurately communicated and implemented. * Post all credit card payments via on credit card processor system (currently Client Link). * Provide any maintenance on credit card processor system including lost/stolen cards, reissues, etc. * Adhere to BSA/AML policy and all other bank policies. * Other duties and responsibilities as may be assigned by supervisor. Minimum Qualifications (Education, Experience, Skills) * At least 1 year of previous banking experience required. * High school diploma or equivalent required. * Excellent verbal, written, and customer service communication skills. * Must be able to multi-task and work in a fast-paced environment. Physical Demands and Work Environment The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk and hear. The employee frequently is required to use hands or fingers, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate. This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills aptitudes and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills or abilities

The Chief Credit Officer (CCO) serves as the senior executive responsible for overseeing all aspects of the Bank's credit function. This includes credit decisioning, portfolio monitoring, and risk management across all lending lines; Commercial & Industrial (C&I), Commercial Real Estate (CRE), Business Lending, Asset-Based Lending (ABL), Equipment Lending & Leasing, Government Guaranteed Lending, Small Business Administration (SBA) programs, and Consumer Lending. As a strategic leader, the CCO ensures that loans are prudently underwritten, risks are properly identified, and credit structures are designed to mitigate those risks while supporting the Bank's growth objectives. The ideal candidate will bring extensive credit leadership experience, including loan workout and restructuring expertise, with the ability to balance strategic direction against day-to-day execution and manage risk versus reward. The CCO will play a vital role in helping the Bank achieve its strategic goals in a disciplined, client-focused, and cost-effective manner. KEY RESPONSIBILITIES: Chairing the Bank's Credit Committee. Supervising credit and administrative teams. Maintaining strong relationships with regulators and auditors. Serving as a core member of the executive leadership team. ESSENTIAL FUNCTIONS: Develop and implement credit risk policies and procedures to ensure sound lending practices and effective risk management aligned with the bank's goals. Monitor and analyze the Bank's loan portfolio, identifying trends, risks, and opportunities for improvement, while maintaining the quality of the Bank's assets. Oversee the evaluation and approval process for complex loan applications, ensuring thorough analysis of creditworthiness and compliance with lending standards. Recruit, lead, mentor, train, coach, manage and develop a team of credit and administrative professionals, fostering a culture of collaboration, accountability, and high performance. Serve as a mentor and advisor for junior lending officers. Work with Portfolio Managers to ensure loan documentation software is updated and efficient. Serve as a liaison between RM's, PM's, loan documentation personnel and credit personnel to ensure workflows are efficient. Ensure the Bank's lending practices comply with federal and state regulations, staying informed about changes in laws and industry standards. Work closely with senior management and other departments to align credit risk management strategies with overall business objectives and initiatives. Regularly review and update credit policies to reflect changes in market conditions, regulatory requirements, and community needs. Prepare comprehensive reports on credit risk exposure and portfolio performance for the executive team and board of directors. Reports include Concentrations, Watch List, Policy Exceptions, Technical Exceptions, and others as requested. Monitor economic and industry trends to assess potential risks to the Bank's loan portfolio. Assist in managing the Bank's Current Expected Credit Loss (CECL) calculation. Serve as the liaison between the Bank and external parties (auditors, regulators, loan reviewers) on loan-related matters. Maintain and develop the Bank's credit delivery software system. Collaborate with legal counsel and other bank employees on work-out credits. Ensure the ongoing accuracy, reliability, and validity of credit risk models, conducting periodic reviews and validation to maintain model performance. Stay abreast of industry best practices and regulatory requirements for credit risk modeling, adapting models as needed. Assist in evaluating loan profitability, loan terms, pricing, terms, covenants and conditions for commercial and business loan transactions and ensure desired margins and profitability are obtained. Work closely with the Board of Directors, Audit Committee, ALCO Committee, Credit Committee, and any other executive level committee required Keep senior management and the Board of Directors informed of regulatory changes and their impact on credit operations. Other duties and special projects as assigned by the CEO. PROFICIENCIES: Strong written and oral communication skills and an ability to project a professional image. Proficiency in basic word processing and computer database skills. Ability to learn and navigate computer systems and websites necessary to fulfill job duties. Effective interpersonal skills, with the ability to work independently and as part of a team. Strong organizational and time-management skills, with the ability to prioritize tasks. Comprehensive knowledge of banking regulations and compliance requirements. Strong attention to detail and accuracy in work. Ability to maintain confidentiality of sensitive information. Strong customer service orientation with the ability to establish rapport and credibility. QUALIFICATIONS AND EDUCATION: Bachelor's degree in Finance, Accounting, Economics, or a related field; MBA or Graduate School of Banking preferred. Minimum of 15 years of progressive leadership experience in credit administration, risk management, loan underwriting, and credit analysis. Demonstrated success working closely with Boards of Directors, Regulators, and Executive Leadership teams. Deep knowledge of banking regulations, compliance requirements, and industry best practices. Exceptional analytical, critical thinking, and problem-solving skills. Strong organizational and project management capabilities, with a proven ability to manage multiple priorities and deliver results within tight deadlines. M C Bank is an Equal Opportunity / Affirmative Action employer, committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, religion, sex, sexual orientation, age, national origin, disability, protected veteran status, or any other factor protected by applicable federal, state, or local laws. All hiring decisions are based on qualifications, merit, and business needs.

Benefits: * 401(k) * 401(k) matching * Dental insurance * Health insurance * Paid time off * Parental leave * Vision insurance Credit Analysts are responsible for analyzing credit information to evaluate the degree of risk involved with extending credit or lending money to businesses and individuals. Primary functions include analyzing new and existing customer financial information along with assisting lenders with structuring loans and analyzing collateral positions. A successful candidate must be able to perform all essential duties and functions as described. The Credit Analyst II should have the experience necessary to independently complete typical analysis requests and require minimal assistance on more complex requests. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. * Performs pre-funding analysis on loans and credit relationships by obtaining and analyzing credit and financial information * Performs post-funding analysis and reviews on existing loans and credit relationships * Reviews and prepares written analyses, spreadsheets, reports, summaries, and opinions * Analyzes and monitors the bank's collateral position on new and existing loans and credit relationships * Assists Loan Officers with structuring credits and completing loan offering sheets when needed * Assists with credit file monitoring to ensure that information is accurate and up-to-date * Serves as a client relationship representative to bank customers, both internally and externally * May periodically accompany Loan Officers on site visits to potential and existing customers * Understands and follows the bank's loan policy along with all applicable laws and regulations * Assists the Credit Officer, as needed, with special tasks or projects along with other duties as assigned * Assists the Credit Analysis Manager by periodically reviewing and editing analysis work completed by junior analysts Competencies * Problem Solving/Analysis * Teamwork orientation * Customer focused * Initiative * Time management * Communication proficiency * Technical capacity * Knowledge of office methods, procedures, and practices including the use of standard office equipment * Detail oriented * Organizational skills * Mathematical skills * Computer skills * Attendance/Punctuality * Dependability Supervisory Responsibility This position is not responsible for the supervision of other employees. Work Environment This position operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, fax machines, email, electronic calendars, scanning devices, calculators, and spreadsheets. 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. While performing the duties of this job, the employee is regularly required to talk or hear. The employee is frequently required to stand, walk, squat, use hands to finger, handle or feel, and reach with hands and arms. This job may also require the employee to frequently lift at least 50 pounds. Position Type/Expected Hours of Work This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5:00 p.m. This position may require occasional evening and weekend work as needed. Travel Travel is primarily local during the business day; however, some out-of-area and overnight travel may be expected. Required Education and Experience Bachelor's Degree in Business Administration or a related field and two years of existing Credit Analysis experience required. Preferred Education and Experience Bachelor's Degree in Accounting or Finance and lending or related experience preferred. Minimum Equivalent combinations of experience, training and/or education approved by Human Resources This description is intended to be generic in nature. It is not intended to determine all specific duties and responsibilities of any particular position. Essential functions and overtime eligibility may vary on the specific tasks assigned to the position. Other Duties Please note that this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time, with or without notice. Equal Opportunity Employer/Veterans/Disabled