Credit analyst jobs in Lowell, MA - 132 jobs

Medfield, Massachusetts **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (**************************************************************************************************************** **Job Description:** This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. **Responsibilities:** - Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities - Assists, educates, and trains clients on conducting simple transactions through self-service technologies - Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy - Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping - Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements **Required Qualifications:** - Has a minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment - In lieu of one year of sales experience, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I) or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months - Enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client - Collaborates effectively to get things done, building and nurturing strong relationships - Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives - Confident in identifying solutions for helping new and existing clients based on their needs - Strong written and verbal communications skills - Can communicate effectively and confidently and is comfortable engaging all clients (in-person and by phone) - Ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances - Applies strong critical thinking and problem-solving skills to meet clients' needs - Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously - Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws) - Can be flexible to work weekends and/or extended hours as needed **Desired Qualifications:** - Associate's Degree or Bachelor's Degree in business, finance or a related field - Experience working in a financial center where goals were met or exceeded - Retail and/or sales experience in a salary plus incentive environment - Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded - Experience with financial information, spreadsheets and financial skill - Knowledge of banking products and services - Strong computer skills including Microsoft applications and previous experience utilizing laptop technology **Skills:** - Active Listening - Business Acumen - Customer and Client Focus - Oral Communications - Problem Solving - Account Management - Client Experience Branding - Client Management - Client Solutions Advisory - Relationship Building - Business Development - Pipeline Management - Prospecting - Referral Identification - Referral Management **Minimum Education Requirement:** High School Diploma / GED / Secondary School or equivalent _It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability._ **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

A leading financial institution in Boston seeks a Private Banker to develop, manage, and retain high net worth client relationships. The role involves providing financial advice, ensuring compliance with regulations, and utilizing strong relationship management skills. Candidates should possess a Bachelor's degree and five years of relevant experience in private wealth management. This position offers competitive salary and comprehensive benefits. #J-18808-Ljbffr

Pioneer Investments is a diversified asset management firm and a key franchise of Victory Capital Management (VCTR). Founded in 1928, Pioneer currently manages over $125 billion in assets across a wide range of strategies. We are seeking a Credit Research Analyst to join our Corporate Credit Research team. About Victory Capital: Victory Capital (NASDAQ: VCTR) is a diversified global asset management firm. We serve institutional, intermediary, and individual clients through our Investment Franchises and Solutions Platform, which manage specialized investment strategies across traditional and alternative asset classes. Our differentiated approach combines the power of investment autonomy with the support of a robust, fully integrated operational and distribution platform. Clients have access to focused, top-tier investment talent equipped with comprehensive resources designed to deliver competitive long-term performance. Victory Capital is headquartered in San Antonio, Texas. To learn more, visit *********** or follow us on Facebook, Twitter (X), and LinkedIn. General Summary and Purpose: The Credit Research Analyst will contribute to the success of the fixed income team by providing fundamental investment research and analysis on individual corporate bond and leveraged loan issuers. The Credit Research Analyst will be responsible for covering one or more industry sectors across the Investment Grade, High Yield and Leveraged Loan asset classes. The analyst will work closely with other research analysts, sector teams, portfolio managers and traders to lead the development of sector and asset class investment views and opportunities You Will: • Contribute to the success of the fixed income team by efficiently providing fundamental investment research and analysis on individual corporate bond and leveraged loan issuers. • Recommend investment ideas within a relative and absolute value framework, factoring in expected risk-adjusted returns within capital structures and between companies in the same industry. • Execute on the three pillars of credit research: Buy discipline, Surveillance, Sell discipline. • Write credit summaries based on research with buy/sell/hold recommendations, build and maintain company financial models to support investment theses. • Analyze financial results and perform valuation analysis. • Interact with credit rating agencies, external research analysts, and other independent sources to obtain external views on individual industries and issuers. • Self-starter with a strong sense of curiosity • Strong analytical skills, with the ability to examine financial statements, macro factors and security/bond covenants and indentures • Ability to quickly assess financial data and generate investment recommendations • Skilled at synthesizing information from a wide range of sources and effectively conveying ideas to the broader fixed income team • Strong communication skills-clear, concise and credible- to present our research process to clients and consultants • Effective financial modeling, writing and presentation skills • Ability to work in a highly collaborative environment • Willingness to conduct travel as part of the investment research process You Have: • 3-8 years of credit experience obtained in investment management or banking • Bachelor's degree • CFA designation and/or MBA preferred • Strong proficiency with Excel and Bloomberg Our Benefits: Victory Capital Management offers excellent Medical, Dental, Vision plans, Flexible PTO, Family Medical and Disability Leaves, Education Tuition Reimbursement and a 401k plan with a generous employer match. Target Compensation: The target base salary range for this position is $125,000 - $150,000 . Salaries are determined based on internal equity, internal salary ranges, market data/ranges, applicant's skills and prior relevant experience, certain degrees, and certifications. Victory Capital Management operates a pay-for-performance compensation philosophy and total compensation may vary based on role, location, department and individual performance. Victory Capital Management's total compensation package includes the opportunity for annual compensation bonuses and/or commissions and a generous benefits package. We are committed to equal employment opportunity without regard to actual or perceived race, color, creed, religion, national origin, ancestry, citizenship status, age, sex or gender (including pregnancy, childbirth, pregnancy-related conditions, and lactation), gender identity or expression (including transgender status), sexual orientation, marital status, military service and veteran status, physical or mental disability, genetic information, height, weight, hair texture or a hairstyle historically associated with race to include braids, locks, or twists; or any other characteristic protected by applicable federal, state, or local laws and ordinances.

At Global Partners, business starts with people. Since 1933, we've believed in taking care of our customers, our guests, our communities, and each other-and that belief continues to guide us. The Global Spirit is how we work to fuel that long term commitment to success. As a Fortune 500 company with 90+ years of experience, we're proud to fuel communities-responsibly and sustainably. We show up every day with grit, passion, and purpose-anticipating needs, building lasting relationships, and creating shared value. : Additional Job Description: Pay Range: $16.03 - $20.46 The pay range for this position is outlined above. The final amount offered at the start of employment is determined based on factors including, but not limited to, experience level, knowledge, skills, abilities and geographic location, and the Company reserves the right to modify base salary at any time, including for reasons related to individual performance, Company or individual department/team performance and market factors. Our Commitments to You * Coins! We offer competitive salaries and opportunities for growth. We have an amazing Talent Development Team who create trainings for growth and job development. * Health & Wellness - Medical, Dental, Visions and Life Insurance. Along with additional wellness support. * The Road Ahead - We offer 401k and a match component! * Professional Development - We provide tuition reimbursement; this benefit is offered after 6 months of service. What to Expect From the Hiring Process We value passion and potential. Please apply if you're qualified and interested-we'd love to hear from you. A member of our Talent Acquisition team will review your application and may connect you with the hiring manager if your experience is a strong match. Interviews are conducted virtually and in person, depending on the role. We'll provide more details about next steps if selected to move forward. Global Partners LP is an equal opportunity employer. We foster a company culture where ideas from all people help us grow, move and thrive. We embrace the diversity of all applicants and do not discriminate against race, color, religion, sex, age, national origin, sexual orientation, gender identity, disability, protected veteran status or any other basis prohibited by federal, state or local law. If you have a disability and need an accommodation to apply, please contact our recruiting department at ************ or 781-7GP-WORK. * Disclaimer: At Global Partners, we don't use lie detector tests for any employment decisions. We follow all the rules and regulations, so we need to let you know: In Massachusetts, it's illegal to require or administer a lie detector test as a condition of employment of continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Salary Grade:14 Identifies potential credit risks associated with new and existing commercial borrowers through the financial analysis process and works collaboratively with the Commercial Lenders to mitigate these risks. ESSENTIAL JOB FUNCTIONS & RESPONSIBILITIES: Credit Analysis Works collaboratively with the commercial lenders to provide an independent analysis of commercial borrowers in the identification and mitigation of potential credit risks; this process involves but is not limited to a thorough financial analysis, projecting cash flow and collateral evaluations Provides independent input in the process of risk rating commercial borrowers Responsible for annual review date tracking for commercial customers Distribute reviews to lenders and monitor follow up needed based on results of assessment of the third party loan review vendor Responsible for accurately completing credit analysis with basic levels of complexity Credit Administration Duties Assists in the compilation of various reports for Loan Committee and the weekly distribution of the Loan Committee packages as needed Other duties as assigned QUALIFICATIONS: EDUCATION & CERTIFICATIONS: (Minimum education required to perform the duties of this position) Bachelor degree required; major in accounting or finance preferable KNOWLEDGE, SKILLS & ABILITIES: One to two years of banking or business experience preferred Understanding of all Microsoft Office applications Ability to handle multiple priorities and significant workload Ability and willingness to produce high quantity and high quality work COMPETENCIES: Must have cyber security awareness to protect the digital environment, the Bank, and customers. Problem Solving Verbal and Written Communication Critical Thinking Skills Adaptability Eager Learner Learning Agility

Do you have what it takes to win? Like a championship team, a leading global sports brand is built with a solid foundation of players at all levels who have an unending desire and dedication not only to succeed, but also to win. At Peak Achievement Athletics, our championship team is deeply committed to developing the most innovative sports equipment in the industry and we are always looking to strengthen our roster with talented players. Purpose & Core Values: Our purpose at Bauer Hockey/ Cascade Maverik Lacrosse is to enrich life experiences through sports. We have the responsibility to cultivate the future of our brands. We are always “we” and never “I”. We love what we do. We believe anything is possible and work to be our best. We strive to always redefine the standard of excellence in all that we do. Want to join our team as a Credit Analyst? The Credit Analyst contacts customers to address outstanding accounts receivable, creates cash forecasts, analyzes customer financial standing, manages orders, resolves disputes, and makes recommendations to mitigate risk for Accounts Receivable. This role develops strong relationships with internal & external customers; it addresses outstanding accounts effectively, securing prompt payment from customers while employing commercial sensitivity, business acumen, and good judgement. It also ensures procedures and internal controls are followed in compliance with corporate initiatives. This role reports to the Credit Supervisor and sits in our Exeter, NH office. The team works 3 days a week onsite, and 2 days a week from home. Essential Job Functions & Responsibilities: Manage accounts across multiple company codes and lines of business. Interact with customers during ongoing development of credit and financial history. The customer base has significant impact on the success of PAA. Analyze customer financial status, market conditions, and payment history to assess risk and make credit recommendations. Provide financial order management support to Supply Chain and Sales personnel to control credit exposure, effect timely payment and minimize risk of customer disputes. Proactively provide financial guidance in review of order backlog to control credit exposure. Manage credit hold status in SAP and recommend credit hold on product when applicable. Promptly notify appropriate team(s) of any customer disputes and/or collection issue preventing timely release of order and pursue issue to resolution. Recommend and implement credit extensions/revocations, and/or legal action where necessary. Evaluate the need for financial statements and security instruments on customers; facilitate obtaining and monitoring their effectiveness. Review Sales forecast to proactively identify potential credit issues. Deliver bi-weekly cash forecast requiring analysis of customer payment trends and customer feedback. Conduct collection calls and written communication to collect accounts receivable. Handle customer disputes to resolution and document root causes. Resolve billing discrepancies in a timely manner to increase cash flow and minimize accounts receivable delinquency. Negotiate payment plans, manage special credit arrangements and deviations from standard terms of payment. Review and make recommendations regarding bad debt or write-offs. Maintain accurate credit and collection files according to internal controls/policy. Maintain electronic collection notes for each customer account. Qualifications: Bachelor's degree in accounting, finance, business, or related field Minimum 1-2 years of experience in credit and collections (or equivalent experience). Strong written/verbal communication skills. Ability to interpret accounting principles of customer financial statements. Intermediate analytical and financial aptitude skills in risk assessment. Expert PC skills, including advanced level knowledge of Excel; SAP experience preferred. Understanding of corporate department functions, systems, processes and policies. Experience resolving complex problems where analyses of situations or data require an in-depth evaluation of various factors in imaginative and practical ways. Excellent interpersonal skills and ability to effectively communicate at all levels of the organization. Ability to thrive independently, prioritize work and support changing needs of a dynamic environment. Results driven and detail orientated. Demonstrated customer service skills and commitment to quality excellence. Ability to work in a fast-paced, dynamic environment and adjust quickly to changing priorities or business needs. Interested yet? Good. We are, too. We're pretty sure you'll want to know this position is eligible to participate in the Company's incentive plan. We also offer one of the most generous benefits packages around including a 401(k) savings plan with employer match, paid parental leave, an employee discount program on apparel and gear, casual & hybrid work environment and a host of other perks we don't have room to mention here. We are committed to employing a diverse workforce and are an equal opportunity employer. We use AI-assisted tools during parts of our recruitment process to help ensure fairness and efficiency. All final hiring decisions are made by our human hiring team.

Salary Grade:14 Identifies potential credit risks associated with new and existing commercial borrowers through the financial analysis process and works collaboratively with the Commercial Lenders to mitigate these risks. ESSENTIAL JOB FUNCTIONS & RESPONSIBILITIES: Credit Analysis Works collaboratively with the commercial lenders to provide an independent analysis of commercial borrowers in the identification and mitigation of potential credit risks; this process involves but is not limited to a thorough financial analysis, projecting cash flow and collateral evaluations Provides independent input in the process of risk rating commercial borrowers Responsible for annual review date tracking for commercial customers Distribute reviews to lenders and monitor follow up needed based on results of assessment of the third party loan review vendor Responsible for accurately completing credit analysis with basic levels of complexity Credit Administration Duties Assists in the compilation of various reports for Loan Committee and the weekly distribution of the Loan Committee packages as needed Other duties as assigned QUALIFICATIONS: EDUCATION & CERTIFICATIONS: (Minimum education required to perform the duties of this position) Bachelor degree required; major in accounting or finance preferable KNOWLEDGE, SKILLS & ABILITIES: One to two years of banking or business experience preferred Understanding of all Microsoft Office applications Ability to handle multiple priorities and significant workload Ability and willingness to produce high quantity and high quality work COMPETENCIES: Must have cyber security awareness to protect the digital environment, the Bank, and customers. Problem Solving Verbal and Written Communication Critical Thinking Skills Adaptability Eager Learner Learning Agility

Independently develops concise and accurate credit analyses of prospects and current customers in a deadline focused environment with minimal guidance. Uses expertise to evaluate both private and public entities some of which include review of complex transactions. Analyses are well written and reflect a comprehensive understanding of the credit risk and its relationship to the recommended collateral products and unsecured exposure. Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs. Facilitate the approval of exception when needed. Communicates financial results, trends and business implications to management, stakeholders and other groups at the appropriate level of detail. Proactively leads complex efforts to continuously improve processes to ensure work is performed as efficiently and effective as possible. Uses business acumen and strong analytical expertise to perform complex ad hoc analysis. Demonstrates strong verbal and written communication skills. Leads development and facilitation of training. Travels to and supports underwriting at broker and client meetings as required. Responsibilities Accurately analyzes financial statements and related filings for a diverse and complex group of different size policyholders and prospective customers. Conducts analysis that includes assigned credit rating, key strengths, weaknesses, industry outlook and recommended collateral options. Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs. Facilitate the approval of exception when needed. Understands and interprets financial statements of varying quality including internally company prepared statements up to those prepared in accordance with GAAP or IFRS. Understands various organizational structures, investment and debt has on the creditworthiness of subject companies. Regularly accesses and appropriately utilizes a variety of informational resources including First Research, Rating Agencies and other related sources to identify and understand trends and gauge subject company performance relative to peers and industry. Thorough understanding of insurance products, collateral types and associated credit risk. Drives the production of complex management reports and associated results analysis, using business acumen and analytical ability to lead the team in identifying business drivers of results and communicating them effectively. Continually assesses the business value and efficiency of the work performed, identifies problems and opportunities, drives implementation and monitors results. Initiates and leads complex department projects and continuous improvement activities that may include working cross functionally with other departments. Supports development of team members by sharing best practices, conducting peer reviews that identify strengths and opportunities, and training of less experienced analysts. The selected candidate should live within 50 miles of a GRS hub office, and be able to come into the office two days/week. Qualifications Bachelor`s degree (Finance or Accounting) required CPA or advanced degree in Accounting, Finance, or Business preferred Minimum of 5 years of finance experience. Experience with credit analysis and/or financial statement analysis is preferred. Must demonstrate attention to detail in a fast-paced work environment and the ability to manage and prioritize multiple accounts and projects simultaneously to drive results Communicates well with own team and across organizational boundaries to ensure the successful completion of shared goals Comfortable leading meetings and able to communicate issues and trends to senior management and other groups at the appropriate level of detail Solid understanding of Finance Tools and Analytical Methods About Us Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: *********************** Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law. Fair Chance Notices California Los Angeles Incorporated Los Angeles Unincorporated Philadelphia San Francisco We can recommend jobs specifically for you! Click here to get started.

Under the general direction of the Credit Manager performs a variety of credit related duties including financial statement analysis and review of loan documentation. A Senior Analyst will work independently with minimal supervision by the Credit Manager. ESSENTIAL FUNCTIONS & RESPONSIBILITIES: Independently completes written analysis on complex credit requests from new and existing customers. The loan request may be Commercial Business (C&I), Commercial Real Estate or Commercial Construction in nature. As part of the analysis, the incumbent will analyze the general market and industry, the borrower's financial information to determine repayment ability, collateral support, and guarantor support. Determines adequacy of information provided and requests additional data when needed. Meets independently with the loan officer to discuss issues, ask questions and follows-up with the borrower if necessary. Evaluates Bank risk, recommending approval or declination of the loan. Works independently. Annually reviews the credit quality of designated loans in the Bank's existing commercial loan portfolio. Examines loan documentation and updated financial information. Examines trends in repayment ability, collateral support and guarantor support and communicates improvement/deterioration in credit quality and impact on Risk Ratings. Performs abbreviated credit analysis on renewing loans. Works independently. In adherence with the Bank's loan policy, identify strengths and weaknesses with each credit and recommends appropriate risk ratings. Using LoanVantage or similar software, spreads the business financial statements and corporate tax returns for Loan Officers. When necessary, analyses the customer's projections for reasonableness and prepares additional projection scenarios using the statement spreading software. Works independently. In he absence of the Credit Manager, provides direction and assistance to the Credit Analyst(s), manages the Credit Department pipeline and works with the CLO and Senior Credit Manager on projects as needed. Keeps abreast of new developments and regulatory changes in the Credit and Lending fields. Attends courses and seminars deemed appropriate and reads topical literature. Performs other responsibilities as required. SUPERVISORY RESPONSIBILITIES: Coaches junior Credit Analysts and reviews work as directed by the Credit Manager. REQUIREMENTS (Knowledge, Skills, Abilities, and Education and/or Experience): Bachelor's Degree or related experience; business management, finance, accounting or economics preferred 5-7 years credit analysis experience, preferably in the Banking environment Leadership and supervisory experience demonstrated in prior work history Strong understanding of accounting concepts and analytical skills Excellent interpersonal skills, ability to interact with senior management Excellent written and oral communication skills. Strong computer skills, ability to work in Microsoft Office Ability to work independently, manage competing priorities and meet deadlines. Familiarity with all types of commercial loan analyses NSB offers competitive benefits packages, which include the following: Medical, Dental and Vision on day 1 - no waiting period 401k with company match Paid Time Off - Holiday Pay FSA/DC/HSA Accounts Company Paid Short-Term Disability Company Paid Long-Term Disability Paid Family Medical Leave Company Paid Life & ADD Voluntary Life Tuition Assistance Hospital Indemnity Plan Employee Referral Bonus Employee Banking Discounts Supplemental Insurance Plans with AFLAC Pet Insurance Weekly Jeans Day Program Service Recognition Program Wellness Benefits including Weight Watchers, Mind & Body, Gym Memberships and much more! At North Shore Bank, we are committed to creating a place as diverse as the communities we serve. Our core values shape the decisions we make every day and help to define our company culture and it is these values that comprise what we call, “well north of your expectations”. Our core values include leadership, integrity/transparency, respect, adaptability, collaboration, accountability, and empathy. North Shore Bank is an EOE. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

Morgan Stanley Investment Management (“MSIM”), together with its investment advisory affiliates, has more than 1,300 investment professionals around the world and $1.7 trillion in assets under management or supervision as of June 30, 2025. Morgan Stanley Investment Management strives to provide strong long-term investment performance, outstanding service and a comprehensive suite of investment management solutions to a diverse client base, which includes governments, institutions, corporations and individuals worldwide. Position Summary We are seeking an experienced Credit Analyst with 5-10 years of leveraged credit experience to join our credit research team. The successful candidate will conduct in-depth credit analysis of leveraged loan issuers and follow issuer and sector trends to support portfolio management decisions in the primary and secondary market. This role requires strong financial modeling skills, rigorous credit-risk assessment capabilities, and the ability to articulate credit views and recommendations in written memos and presentations. Key Responsibilities Perform fundamental credit analysis of companies issuing broadly syndicated floating-rate loans. Evaluate credit risk across quantitative, qualitative, structural and relative value factors. Build, maintain, and update detailed financial models with a focus on cash flow and valuation. Prepare and present written credit investment memos and recommendations for new investments, stressed situations and secondary opportunities. Track issuer performance against underwriting expectations, monitor credit quality and portfolio exposures on an ongoing basis, produce periodic updates and alert portfolio managers to emerging risks and opportunities. Analyze loan documentation and credit agreements (covenants, collateral structure, intercreditor terms, lien priority, security packages) to assess structural protections under different scenarios. Engage with management teams, private equity sponsors, debt-advisors, industry contacts, sell side desks and other stakeholders as necessary to perform due diligence, market / industry research and to source new loan investment opportunities. Collaborate with portfolio managers, traders, and senior investment professionals to communicate credit views, discuss investment ideas, and coordinate relative-value analysis across sectors and instruments. Required Qualifications & Skills Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field. Advanced degree (e.g. MBA) or relevant certification (e.g. CFA) is a plus. 5-10 years of direct experience analyzing leveraged loans / syndicated credits / high-yield / leveraged finance transactions. Strong financial modeling skills, including building and maintaining cash flow models, valuation models and stress testing. Deep understanding of financial statements, accounting principles, credit metrics and ability to interpret qualitative factors including industry dynamics, business strategy and management strength. Strong written and verbal communication skills - capable of preparing credit memos, investment recommendations and presenting to investment committees and senior stakeholders. Prior experience with portfolio monitoring, relative-value analysis and trading desk collaboration. Familiarity with regulatory, compliance, and risk-management frameworks applicable to leveraged credit investments. Ability to work independently, manage multiple assignments and deadlines, and adapt to a dynamic market environment. Attention to detail, critical thinking, and sound judgment. Proficiency in Microsoft Excel, Bloomberg and/or other credit research tools. As part of our team, you will apply rigorous credit analysis to develop and manage a portfolio of floating-rate leveraged loans, influence investment decisions and contribute to portfolio risk and return outcomes. WHAT YOU CAN EXPECT FROM MORGAN STANLEY: At Morgan Stanley, we raise, manage and allocate capital for our clients - helping them reach their goals. We do it in a way that's differentiated - and we've done that for 90 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you'll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There's also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste ***************************************************** into your browser. Expected base pay rates for the role will be between $125,000 and $250,000 per year atthe commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

Performs commercial credit analysis and recommends appropriate credit structure on the most complex credit relationships in conformance with established policies, procedures, and objectives. Performs any functions, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers and co-workers. This is a hybrid eligble position: 3 days in the office and 2 days remote. Responsibilities * Spread a variety of financial statements and prepare cash flow analyses. * Analyze financial statements and provide interpretative analysis for use in loan decision making. * Underwrite new money requests, renewals, and modifications. * Underwrite existing credits as part of the Bank's routine portfolio monitoring. This includes mortgage and investment reviews as well as authoring annual portfolio monitoring reports presented to Senior Management, the Board, and other Bank Committees. * Work with credit colleagues, lenders, lending assistants, and other departments on a routine basis, demonstrating strong communication and teamwork skills throughout. * Support and lead special projects within the Credit Analysis Department as required. * Train and mentor assigned Credit Assistant and Credit Analysis Intern(s) in underwriting. * Perform all duties in compliance with regulatory guidelines. * Performs any functions, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers and co-workers. Requirements Education * Bachelor's Degree plus specialized course work and training is required * An advanced business degree Work Experience * 7+ years of commercial (C&I and/or CRE) credit-related experience is required Additional Requirements * Must demonstrate a strong knowledge of commercial credit analysis including the ability to analyze repayment sources, evaluate risk, identify risk mitigation, and provide deep insight into the creditworthiness of a commercial borrower. * Working knowledge of accounting and a solid understanding of commercial loan documentation. * High attention to detail with strong analytical, communication, and interpersonal skills required. * Strong working knowledge of Microsoft Office Suite and ability to learn new software, including the Bank's Commercial Loan Origination System. Expected Pay Range The expected annual pay range for this role is $76,463 to $135,731. This pay range is the annual salary we in good faith expect to pay for this role at the time of posting. Actual compensation paid may fluctuate higher or lower than the posted range and the range may be modified in the future due to several factors including, but not limited to, relevant experience, certifications, and qualifications, internal equity, adjustments to the requirements and responsibilities of the job, business needs, and economic and market data. EEO Statement Middlesex Savings Bank is an Equal Opportunity Employer/protected Veterans/Individuals with Disabilities

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Lead Credit Officer - Vice President in Commercial and Specialized Industries Risk, you will collaborate with a cross-functional team to deliver credit solutions that support companies' financing needs, including working capital, general corporate purposes, acquisition finance, and dividend recapitalizations. You will work with privately-held and publicly-traded companies, family-owned businesses, and financial sponsors. This risk management position supports the Northeast segment and covers companies across diversified industries with revenues ranging from $20 million to $2 billion. Credit executions include bilateral structures, syndicated deals, institutional loans, and direct lending. A critical aspect of this role is the ability to develop and communicate a comprehensive understanding of the business, financial, and industry risks faced by clients and prospects in the assigned portfolio. You will utilize this insight to accurately risk grade borrowers, analyze credit requests, structure credit facilities, and negotiate credit agreements and other loan documentation. Job Responsibilities Utilize excellent credit analysis and financial modeling skills to perform due diligence in order to structure and recommend new transactions while maintaining an appropriate balance between risk and reward Lead complex and time-sensitive leveraged finance transactions and LBOs, including the negotiation of legal documentation for bilateral, pro-rata, broadly syndicated, and direct lending structures Independently manage the assigned credit portfolio on an ongoing basis while ensuring data integrity Assess and process risk rating changes in a timely manner Use critical reasoning to develop well-considered credit views, taking into account company-specific and industry risks Clearly and concisely communicate and defend credit views to internal stakeholders and senior leadership Serve as an effective challenge to the banking team in your role as second line of defense Utilize strong time management skills and act with a sense of urgency to meet expectations and deadlines, driving deals to closure Work with internal and external stakeholders in a proactive, constructive, and responsive manner to effectively manage and execute transactions Convey a thorough understanding of credit policy and procedures Contribute to the broader objectives of the Risk organization, including developing junior talent and participating in various projects and efficiency exercises Demonstrate excellent communication skills Required Qualifications, Capabilities, and Skills BA/BS/BBA degree is required Completion of a major corporate or commercial bank credit training program (or equivalent corporate banking/corporate finance experience) with a thorough understanding of bank credit policies and procedures Minimum 7 years' experience in middle market and mid-corporate lending, including extensive credit analysis, structuring of leveraged finance transactions, and negotiation of loan documentation Experience working with portfolio companies of private equity firms Significant accounting and finance knowledge with superior financial modeling skills Strong working knowledge of credit agreements and other loan documentation, along with solid negotiation skills Demonstrated ability to problem-solve and think both critically and analytically Proven ability to collaborate and build strong partnerships Excellent organizational and project management skills with the ability to manage competing priorities under tight deadlines Intellectual curiosity with a proven ability to learn quickly Demonstrated ability to take initiative, self-direct, and work well under pressure Excellent verbal, interpersonal, and written communication skills Proficient with Microsoft Office, including Excel and PowerPoint

Ready to Put Your Financial Skills to Work? Join MountainOne Bank as a Commercial Credit Analyst! At MountainOne Bank, we believe in smart lending, strong relationships, and local impact. We're looking for a Commercial Credit Analyst who's ready to support our lending team with sharp insights, sound judgement, and a passion for helping businesses grow. If you're detail-oriented, driven, and excited to dive into financials, this is your opportunity to build a meaningful career with a bank that values your contribution. What You'll Do: Analyze financial statements and credit reports to assess borrower risk Support the commercial lenders with underwriting, portfolio monitoring, and deal structuring Prepare clear, concise credit memos and risk assessments Help maintain a high-quality loan portfolio through ongoing review and analysis Gain hands-on experience while working closely with seasoned professionals Why MountainOne? A trusted, community-focused bank with deep local roots Career growth and development opportunities A collaborative team culture where your work makes a real impact Ongoing training and mentorship from experienced credit professionals Your future in commercial banking starts here! Join MountainOne Bank and help power local success - one loan at a time! Salary Range: $55,000 - $74,000 per year, based on experience

Tell us about a friend who might be interested in this job. All privacy rights will be protected. The Massachusetts State Lottery Commission (“MSLC”) Summer Internship Program provides emerging leaders with the opportunity to build a foundational understanding of career pathways in public service through experiential learning opportunities. Interns will participate in weekly professional development workshops, mentoring opportunities, and conclude the program with a final presentation to showcase the insights they've developed over the summer. JOB SUMMARY In partnership with the Office of the State Treasurer and Receiver General (“Treasury”), the Massachusetts State Lottery Commission (“MSLC”) is seeking an intern to join its Credit & Collections team within the Finance department. This position will provide the successful candidate with an excellent opportunity to gain valuable, real-world skills relevant to the operations of a state-run organization with exposure to Accounting, Finance, and professional development opportunities. Applicants with a demonstrated interest in promoting DEI&B in the financial services industry and students who can bring a unique and authentic perspective to the MSLC are especially encouraged to apply. ESSENTIAL FUNCTIONS Provide support to the finance, credit & collections and operations teams. This includes accurate accounting of weekly agent invoices and corresponding through mail and electronically with agent requests. In addition, this role oversees collection efforts of any outstanding receivables owed to the lottery ensuring all efforts are undertaken to collect funds owed. Coordinate with licensing and accounting units for the establishment, termination, and changes in agent license status. Provide support to the claims department when necessary. This includes the opening and logging of daily mail, paying mail-in claims and organizing department files. Ensure all relevant inquiries are managed professionally and procedures are followed to help promote reliability. This includes collaboratively compiling and maintaining detailed tracking for shared use by department members. Fulfill additional tasks as required. SCHEDULE This is a full-time paid internship from June 1, 2026 - August 28, 2026. Program dates can be flexible based on the selected candidate's school schedule. This internship is hybrid eligible. The hybrid schedule requires a minimum of 2 days/week in the Dorchester office. One of those days must be either a Monday or a Friday. Additional in-person days may be required for training, meetings or team projects. WHO WE ARE The mission of The Lottery is to: Secure the integrity of our games; Protect the well-being of our customers; Maximize revenues returned to the Commonwealth for the benefit of our cities and towns. Since selling its first ticket in 1972, the Mass Lottery has generated over $161 billion in revenues, awarded over $114 billion in prizes, returned over $34 billion in net profit to the Commonwealth for unrestricted local aid provided to cities and towns, and paid over $9.2 billion in commissions and bonuses to its statewide network of retailers. More information can be found on our website at https\://********************* APPLICATION DEADLINE IS FEBRUARY 28, 2026. INTERVIEWS WILL BE SCHEDULED IN MARCH. Apply for a Job Apply for a Job for JAWS Users Create a Profile Create a Profile for JAWS Users System Requirements PREFERRED QUALIFICATIONS Current student of an undergraduate program in Business Administration, Finance, or a related field. Strong interest in financial analysis related projects. Must be proficient with MS Office (Excel, Word, PowerPoint). Strong organizational skills and an ability to multitask are required to meet deadline driven projects in a fast-paced environment. Interpersonal skills are required as the incumbent will interact with various company personnel, at all levels, as well as external partners. Ability to work independently and as part of a team. Strong attention to detail. As the incumbent is exposed to confidential financial results, the applicant should have a high degree of integrity and professionalism. Please note that the Lottery will not consider family members of current employees as eligible for employment. Family members shall include an employee's spouse, brother, sister, children, stepchildren, parents, stepparents, sister/brother-in law, or an individual residing in an employee's household. The Massachusetts State Lottery Commission is an Equal Opportunity Employer and does not discriminate on the basis of race, religion, color, sex, gender identity or expression, sexual orientation, age, disability, national origin, veteran status, or any other basis covered by appropriate law.

At Global Partners, business starts with people. Since 1933, we've believed in taking care of our customers, our guests, our communities, and each other-and that belief continues to guide us. The Global Spirit is how we work to fuel that long term commitment to success. As a Fortune 500 company with 90+ years of experience, we're proud to fuel communities-responsibly and sustainably. We show up every day with grit, passion, and purpose-anticipating needs, building lasting relationships, and creating shared value. : Additional Job Description: Pay Range: $16.03 - $20.46 The pay range for this position is outlined above. The final amount offered at the start of employment is determined based on factors including, but not limited to, experience level, knowledge, skills, abilities and geographic location, and the Company reserves the right to modify base salary at any time, including for reasons related to individual performance, Company or individual department/team performance and market factors. Our Commitments to You Coins! We offer competitive salaries and opportunities for growth. We have an amazing Talent Development Team who create trainings for growth and job development. Health & Wellness - Medical, Dental, Visions and Life Insurance. Along with additional wellness support. The Road Ahead - We offer 401k and a match component! Professional Development - We provide tuition reimbursement; this benefit is offered after 6 months of service. What to Expect From the Hiring Process We value passion and potential. Please apply if you're qualified and interested-we'd love to hear from you. A member of our Talent Acquisition team will review your application and may connect you with the hiring manager if your experience is a strong match. Interviews are conducted virtually and in person, depending on the role. We'll provide more details about next steps if selected to move forward. Global Partners LP is an equal opportunity employer. We foster a company culture where ideas from all people help us grow, move and thrive. We embrace the diversity of all applicants and do not discriminate against race, color, religion, sex, age, national origin, sexual orientation, gender identity, disability, protected veteran status or any other basis prohibited by federal, state or local law. If you have a disability and need an accommodation to apply, please contact our recruiting department at ************ or 781-7GP-WORK. *Disclaimer: At Global Partners, we don't use lie detector tests for any employment decisions. We follow all the rules and regulations, so we need to let you know: In Massachusetts, it's illegal to require or administer a lie detector test as a condition of employment of continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

The Massachusetts State Lottery Commission ("MSLC") Summer Internship Program provides emerging leaders with the opportunity to build a foundational understanding of career pathways in public service through experiential learning opportunities. Interns will participate in weekly professional development workshops, mentoring opportunities, and conclude the program with a final presentation to showcase the insights they've developed over the summer. JOB SUMMARY In partnership with the Office of the State Treasurer and Receiver General ("Treasury"), the Massachusetts State Lottery Commission ("MSLC") is seeking an intern to join its Credit & Collections team within the Finance department. This position will provide the successful candidate with an excellent opportunity to gain valuable, real-world skills relevant to the operations of a state-run organization with exposure to Accounting, Finance, and professional development opportunities. Applicants with a demonstrated interest in promoting DEI&B in the financial services industry and students who can bring a unique and authentic perspective to the MSLC are especially encouraged to apply. ESSENTIAL FUNCTIONS * Provide support to the finance, credit & collections and operations teams. This includes accurate accounting of weekly agent invoices and corresponding through mail and electronically with agent requests. In addition, this role oversees collection efforts of any outstanding receivables owed to the lottery ensuring all efforts are undertaken to collect funds owed. * Coordinate with licensing and accounting units for the establishment, termination, and changes in agent license status. * Provide support to the claims department when necessary. This includes the opening and logging of daily mail, paying mail-in claims and organizing department files. * Ensure all relevant inquiries are managed professionally and procedures are followed to help promote reliability. This includes collaboratively compiling and maintaining detailed tracking for shared use by department members. * Fulfill additional tasks as required. SCHEDULE This is a full-time paid internship from June 1, 2026 - August 28, 2026. Program dates can be flexible based on the selected candidate's school schedule. This internship is hybrid eligible. The hybrid schedule requires a minimum of 2 days/week in the Dorchester office. One of those days must be either a Monday or a Friday. Additional in-person days may be required for training, meetings or team projects. WHO WE ARE The mission of The Lottery is to: * Secure the integrity of our games; * Protect the well-being of our customers; * Maximize revenues returned to the Commonwealth for the benefit of our cities and towns. Since selling its first ticket in 1972, the Mass Lottery has generated over $161 billion in revenues, awarded over $114 billion in prizes, returned over $34 billion in net profit to the Commonwealth for unrestricted local aid provided to cities and towns, and paid over $9.2 billion in commissions and bonuses to its statewide network of retailers. More information can be found on our website at ***************************** APPLICATION DEADLINE IS FEBRUARY 28, 2026. INTERVIEWS WILL BE SCHEDULED IN MARCH. PREFERRED QUALIFICATIONS * Current student of an undergraduate program in Business Administration, Finance, or a related field. * Strong interest in financial analysis related projects. * Must be proficient with MS Office (Excel, Word, PowerPoint). * Strong organizational skills and an ability to multitask are required to meet deadline driven projects in a fast-paced environment. * Interpersonal skills are required as the incumbent will interact with various company personnel, at all levels, as well as external partners. * Ability to work independently and as part of a team. * Strong attention to detail. * As the incumbent is exposed to confidential financial results, the applicant should have a high degree of integrity and professionalism. Please note that the Lottery will not consider family members of current employees as eligible for employment. Family members shall include an employee's spouse, brother, sister, children, stepchildren, parents, stepparents, sister/brother-in law, or an individual residing in an employee's household. The Massachusetts State Lottery Commission is an Equal Opportunity Employer and does not discriminate on the basis of race, religion, color, sex, gender identity or expression, sexual orientation, age, disability, national origin, veteran status, or any other basis covered by appropriate law.

Process and post customer payments, including checks, ACH, wire transfers, and credit card transactions accurately and timely. Investigate and resolve complex billing, payment discrepancies, and claims such as unauthorized deductions, shortages, pricing errors, and customer disputes Pull supporting documentations for deductions and coordinate with internal teams for timely resolution and approval. Process deduction clearances and proactively escalate inconsistencies or missing information to management. Coordinate with the sales team to validate deductions and ensure alignment with contract terms and promotional agreements. Attend weekly AR meetings; provide detailed status updates on aged receivables and prioritize collection efforts based on risk exposure. Prepare weekly and monthly analytical reports related to, chargebacks, deductions, aging, and collection activities to provide visibility to management. Maintain accurate records of AR activities dispute resolution progress, and communications for audit and compliance purposes. Monitor customer account balances and identify elevated risk accounts requiring immediate attention or escalation. Partner with the customer service team to support invoice reissuance, proof delivery requests, and order hold releases. Support monthly, quarterly, and year-end closing activities by reconciling AR sub-ledger to the general ledger. Assist in developing SOPs and continuous improvement initiatives for AR and claims workflows. Participate in system enhancement projects, including ERP upgrades and automation tools aimed at improving AR efficiency. Provide ad hoc financial analyses, dashboards, or metrics as required by the Accounting Manager or Finance leadership Required Experience A minimum of 1 - 5 years of experience in Account Receivables, claims, collections, or a related accounting role. Experience in working with high-volume transactions and customer account reconciliation. Experience with SAP Required Technical Competencies Strong verbal and written communication skills, with the ability to communicate effectively across departments and with customers. Advanced Proficient with MS Office Suite - specifically Excel Strong analytical skills with high attention to detail and accuracy Ability to manage multiple priorities and meet deadlines in a fast-[aced environment. Demonstrated problem-solving skills with a proactive and solution-oriented mindset Basic knowledge of ERP such as SAP, or similar platform is a plus Experience with EDI Required Behavioral Competencies Builds Customer Loyalty- Effectively meets internal/external customer needs; building productive customer relationships; taking responsibility for customer satisfaction and loyalty. Manages Work- Effectively managing one's time and resources to ensure that work is completed efficiently. Stress Tolerance- Maintains focus and productivity under pressure; adapts to dynamic priorities and fast-paced environments. Work Standards- Sets high performance standards and demonstrates accountability for accuracy and results. Contributes to Team Success - Collaborates effectively across functions; supports team goals and foster a cooperative work environment. Initiates Action - Proactively identifies opportunities for improvement, takes initiative to resolve issues before escalation Detail-Oriented - Ensure completeness and accuracy in payment application, reporting, and deduction documentation. Problem Solving - Applies analytical thinking to resolve complex claim issues and customer disputes. Communication - Clearly conveys information across teams, capable of writing professional emails and reports.

This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. Responsibilities: Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities Assists, educates, and trains clients on conducting simple transactions through self-service technologies Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements Required Qualifications: Has a minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment In lieu of one year of sales experience, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I) or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months Enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client Collaborates effectively to get things done, building and nurturing strong relationships Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives Confident in identifying solutions for helping new and existing clients based on their needs Strong written and verbal communications skills Can communicate effectively and confidently and is comfortable engaging all clients (in-person and by phone) Ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances Applies strong critical thinking and problem-solving skills to meet clients' needs Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws) Can be flexible to work weekends and/or extended hours as needed Desired Qualifications: Associate's Degree or Bachelor's Degree in business, finance or a related field Experience working in a financial center where goals were met or exceeded Retail and/or sales experience in a salary plus incentive environment Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded Experience with financial information, spreadsheets and financial skill Knowledge of banking products and services Strong computer skills including Microsoft applications and previous experience utilizing laptop technology Skills: Active Listening Business Acumen Customer and Client Focus Oral Communications Problem Solving Account Management Client Experience Branding Client Management Client Solutions Advisory Relationship Building Business Development Pipeline Management Prospecting Referral Identification Referral Management Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. Shift: 1st shift (United States of America) Hours Per Week: 40

Independently develops concise and accurate credit analyses of prospects and current customers in a deadline focused environment with minimal guidance. Uses expertise to evaluate both private and public entities some of which include review of complex transactions. Analyses are well written and reflect a comprehensive understanding of the credit risk and its relationship to the recommended collateral products and unsecured exposure. Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs. Facilitate the approval of exception when needed. Communicates financial results, trends and business implications to management, stakeholders and other groups at the appropriate level of detail. Proactively leads complex efforts to continuously improve processes to ensure work is performed as efficiently and effective as possible. Uses business acumen and strong analytical expertise to perform complex ad hoc analysis. Demonstrates strong verbal and written communication skills. Leads development and facilitation of training. Travels to and supports underwriting at broker and client meetings as required. Responsibilities Accurately analyzes financial statements and related filings for a diverse and complex group of different size policyholders and prospective customers. Conducts analysis that includes assigned credit rating, key strengths, weaknesses, industry outlook and recommended collateral options. Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs. Facilitate the approval of exception when needed. Understands and interprets financial statements of varying quality including internally company prepared statements up to those prepared in accordance with GAAP or IFRS. Understands various organizational structures, investment and debt has on the creditworthiness of subject companies. Regularly accesses and appropriately utilizes a variety of informational resources including First Research, Rating Agencies and other related sources to identify and understand trends and gauge subject company performance relative to peers and industry. Thorough understanding of insurance products, collateral types and associated credit risk. Drives the production of complex management reports and associated results analysis, using business acumen and analytical ability to lead the team in identifying business drivers of results and communicating them effectively. Continually assesses the business value and efficiency of the work performed, identifies problems and opportunities, drives implementation and monitors results. Initiates and leads complex department projects and continuous improvement activities that may include working cross functionally with other departments. Supports development of team members by sharing best practices, conducting peer reviews that identify strengths and opportunities, and training of less experienced analysts. The selected candidate should live within 50 miles of a GRS hub office, and be able to come into the office two days/week. Qualifications * Bachelor`s degree (Finance or Accounting) required * CPA or advanced degree in Accounting, Finance, or Business preferred * Minimum of 5 years of finance experience. Experience with credit analysis and/or financial statement analysis is preferred. * Must demonstrate attention to detail in a fast-paced work environment and the ability to manage and prioritize multiple accounts and projects simultaneously to drive results * Communicates well with own team and across organizational boundaries to ensure the successful completion of shared goals * Comfortable leading meetings and able to communicate issues and trends to senior management and other groups at the appropriate level of detail * Solid understanding of Finance Tools and Analytical Methods About Us Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: *********************** Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law. Fair Chance Notices * California * Los Angeles Incorporated * Los Angeles Unincorporated * Philadelphia * San Francisco