Credit analyst jobs in Massachusetts

About Brookline Bank, a division of Beacon Bank & Trust Since 1871, Brookline Bank, a division of Beacon Bank & Trust, has built a legacy of consistent financial strength, trust, outstanding banking services, and strong customer relationships. Today, we have 28 branches that deliver an expanding array of valuable banking and financial services geared to helping individuals and businesses manage their finances. As a trusted financial resource to our customers, it's our everyday commitment to do more, deliver more, and exceed expectations. What is Brookline Bank's most valuable asset? Our employees! That's why we offer competitive pay and excellent benefits which includes a matching 401k. We pride ourselves on hiring candidates that embrace our Core Four Values: Adaptability, Accountability, Leadership, and Teamwork. Brookline Bank provides a great working environment that offers opportunities for advancement. Principal Objective Analyzes and underwrites credit requests for prospects and customers for the Business Banking area. Principal Duties and Responsibilities: Analyze and underwrite C&I and CRE credit requests with attention to the 5 C's of Credit: Character, Capacity, Capital, Collateral, & Condition. Recommend appropriate risk ratings for commercial loan relationships Underwrite new loans and loan renewals in compliance with the Bank's loan policies. Spread tax returns and/or financial statements using Moody's or Baker Hill Financial Analyst Have strong knowledge of business and personal tax returns Assist with credit scored loan requests Must meet or exceed department productivity standards for decision turnaround time Perform company and industry research. Present analysis in written proposals for approval. Assist in compliance with regulatory issues such as Reg B, Fair Housing, CRA, Flood, etc. Portfolio Manager Responsibilities: Manage a portfolio of existing customers. Produce portfolio status reports and use to facilitate portfolio management activities. Timely management of existing portfolio of customers by tracking and preparing annual renewals Identify potential problem loans, delinquent accounts and other loan deficiencies. Communicate and interface daily with Relationship Managers, Branches and internal and external customers assisting them with questions regarding loans and retail products. Job Specifications (Skills, Knowledge and Abilities Required) Bachelor's degree in relevant field Minimum of (2) two years of commercial credit experience Formal credit training is preferred Excellent written and oral communication skills Extensive knowledge of PC applications, including Excel and Word. Be familiar with and fulfill compliance requirements Proven record of strong analytical and problem-solving skills. Results-oriented team player that is skilled at achieving goals on time Behavioral Skills Consistently demonstrate behaviors associated with Beacon Bank & Trust's Core Four values: adaptability, accountability, leadership, and teamwork. The above statements are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. This job description is subject to change at any time.

What Makes Us Unique At Cloudbeds, we're not just building software, we're transforming hospitality. Our intelligently designed platform powers properties across 150 countries, processing billions in bookings annually. From independent properties to hotel groups, we help hoteliers transform operations and uplevel their commercial strategy through a unified platform that integrates with hundreds of partners. And we do it with a completely remote team. Imagine working alongside global innovators to build AI-powered solutions that solve hoteliers' biggest challenges. Since our founding in 2012, we've become the World's Best Hotel PMS Solutions Provider and landed on Deloitte's Technology Fast 500 again in 2024 - but we're just getting started. How You'll Make an Impact: As a Payments Risk Credit Analyst, you'll play a key role in protecting Cloudbeds and our hotel partners as we scale rapidly. This role is highly impactful: your insights will directly influence how we onboard, manage, and protect our global payments portfolio. You'll thrive by owning problems end-to-end, learning continuously as our product and payments offerings evolve, and helping us navigate the complexities of a hyper-growth fintech environment. Our Payments Risk Team: We're a collaborative, data-driven team that safeguards Cloudbeds while empowering our customers to grow with confidence. We work closely with Finance, Legal, Customer Success and Sales to monitor merchant exposure, design credit and reserve frameworks, and anticipate risks before they materialize. We support one another, but also expect each team member to be self-driven and comfortable making decisions in an ambiguous environment. What You Bring to the Team: Assess merchant financials, payment flows, and credit risk indicators Recommend credit limits, reserves, and payout hold thresholds Analyze chargeback and refund trends to detect emerging risks Review entity changes, liens, and restructuring for financial impact Partner across Finance, Risk Ops, and Legal to refine credit policy Support audits, board reporting, and ongoing credit policy reviews What Sets You Up for Success: 3+ years in payments risk, PayFac credit analysis, and / or merchant acquiring Strong experience with risk frameworks for payment processors or SaaS companies running PayFac models Proficiency in Excel/Sheets; SQL and / or BI tools Experience with SMB credit risk or merchant underwriting Clear communicator who can simplify complex risk issues for diverse audiences High attention to detail with a bias for action Bonus Skills to Stand Out (Optional): Background in fintech or hospitality payments Familiarity with chargeback processes and reserve adequacy modeling Knowledge of credit scoring frameworks and risk modeling tools (Python/R) Risk certifications (CRC, FRM, CFA, or similar) Compensation: Depending on your skills and experience, you can expect your annual compensation to be between $75K- $120K #LI-REMOTE #LI-SD1 What to Expect - Your Journey with Us Behind Cloudbeds' revolutionary technology is a team of redefining what's possible in hospitality. We're 650+ employees across 40+ countries, bringing together elite engineers, AI architects, world-class designers, and hospitality veterans to solve challenges others haven't dared to tackle. Our diverse team speaks 30+ languages, but we all share one language: a passion for innovation and travel. From pioneering breakthroughs in machine learning to revolutionizing how hotels operate, we're not just watching the future of hospitality unfold - we're coding it, designing it, writing it and shipping it. If you're ready to work alongside some of the brightest minds in tech who are obsessed with using AI to transform a trillion-dollar industry, this is your chance to be part of something extraordinary. Learn more online at cloudbeds.com Company Awards to Check Out! Best All-In-One Hotel Management System | HotelTechAwards (2025) Overall 10 Best Places to Work | HotelTechAwards (2025) Most Loved Workplace Certified (2024) Top 10 People's Choice(2024) Deloitte Technology Fast 500 (2024) Discover our Benefits: Remote First, Remote Always PTO in accordance with local labor requirements 2 corporate apartment accommodations for team member use for free (San Diego & São Paulo) Full Paid Parental Leave Home office stipend based on country of residency Professional development courses in Cloudbeds University Access provided to professional Therapy and Coaching Access to professional development, including manager training, upskilling and knowledge transfer. Everyone is Welcome - A Culutre of Inclusion Cloudbeds is proud to be an Equal Opportunity Employer that celebrates the diversity in our global team! We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. Cloudbeds is committed to the full inclusion of all qualified individuals. As part of this commitment, Cloudbeds will ensure that persons with disabilities are provided reasonable accommodations in the hiring process. We encourage deaf, hard of hearing, deaf-blind, and deaf-disabled individuals to apply. If reasonable accommodation is needed to participate in the job application or interview process or to perform essential job functions, please contact our HR team by phone at ************ or via email at ***************************. Cloudbeds will provide an American Sign Language (ASL) interpreter where needed as a reasonable accommodation for the hiring processes. To all Staffing and Recruiting Agencies: Our Careers Site is only for individuals seeking a job at Cloudbeds. Staffing, recruiting agencies, and individuals being represented by an agency are not authorized to use this site or to submit applications, and any such submissions will be considered unsolicited. Cloudbeds does not accept unsolicited resumes or applications from agencies. Please do not forward resumes to our jobs alias, Cloudbeds employees, or any other company location. Cloudbeds is not responsible for any fees related to unsolicited resumes/applications.

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. If the selected candidate lives within 50 miles of a GRS hub office, then the selected candidate must 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.

JOB REQUIREMENTS * Knowledge of commercial and industrial lending practices and related areas * Knowledge of financial institution regulatory environment and policy * Ability to work independently with some guidance from team members * Prioritize work product in order to meet varying deadlines * Excellent knowledge of corporate and personal financial statements * Excellent financial analytical skills with sound judgment and decision making abilities * Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable and highly self-motivated * Aptitude in Microsoft Office Suite, especially Excel and Word * Experience with spreading software * Excellent written and verbal English communication skills * Ability to adhere to Needham Bank's Core Values (Quick-Decision-Making, Reliability, Relationship-Based Focus and Quality Service) * Represent the Bank at various community functions * Participate on Bank task forces and committees as assigned * Engage in continuing education opportunities as they become available EDUCATION & EXPERIENCE * Bachelor's degree in Accounting/Finance or related area * At least 2 years of Commercial and Industrial Lending credit experience with loan exposures ranging from $500,000 to $35 million. * SBA underwriting experience preferred. WORKING CONDITIONS/PHYSICAL DEMANDS * Normal business office environment Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short and long term disability insurance, tuition reimbursement, and an Employee Assistance Program. We offer a great benefit package to our eligible part-time employees as well. Pay Range: $69,794.45 - $90,732.79 The pay range provided is based on what we believe is a reasonable estimate for the pay range for this job at the time of posting. Actual pay may vary based on experience, skills, and market factors; additional compensation may apply. At NB, we are dedicated to building a diverse, inclusive and authentic workplace - if you are excited about this role, but your past experience doesn't align perfectly with every qualification in the job description, we still encourage you to apply. You may be just the right candidate for this or other roles. Needham Bank is an Equal Opportunity/Affirmative Action Employer. Needham Bank will provide all applicants for employment and all employees with equal opportunity for employment and promotion regardless of race, color, religion, gender, national origin or ancestry, age, disability, veteran status, military service, sexual orientation, genetic information, or gender identity. Responsible for analyzing and monitoring the credit worthiness of the Bank's commercial customers. Recommend credit facilities within the established bank guidelines. ESSENTIAL DUTIES & RESPONSIBILITIES * Collect and track receipt of financial statements, borrowing base certificates, and covenant compliance certificates from existing customers * Perform annual reviews of existing relationships including spreading financial statements, analyzing corporate borrower's financial performance and condition, evaluating cash flow, collateral, guarantor support and other pertinent factors * Produce modification requests for existing relationships * Prepare preliminary analysis, typically financial statement spreads and cash flow calculation, of prospective borrowers * Underwrite new loan requests including above referenced analysis as well as evaluation of proposed transaction * Assign risk ratings as appropriate and monitor covenant compliance * Provide analytical support to Senior Credit Analyst and Account Officers as needed * Attend and participate in meetings with customer and Account Officer as needed * Be prepared to discuss proposals with approval authorities on a one-on-one basis as well as in a committee setting * Perform additional duties as requested, needed or assigned

New York, New York, United States of America **Hours:** 40 **Pay Details:** $120,000 - $198,000 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. **Line of Business:** Personal & Commercial Banking **Job Description:** **Department Overview:** The CSB Credit Specialist II - REITs, CRE Funds, and Capital Call Facilities Credit will independently manage an existing portfolio and underwrite new credits to public REITs, private CRE funds, and Capital Call Facilities to CRE sponsors. The above details are specific to the role which is outlined in the general description below. The CSB Credit Specialist II is responsible for ensuring quality and compliance within an assigned portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. The CSB Credit Specialist II performs the credit underwriting and credit administration functions. The CSB Credit Specialist II works to achieve credit management objectives within the team. The job works closely with the Relationship Manager and Credit Officer to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships. **Depth & Scope:** + Performs in depth credit analysis for which a majority of accounts consist of; highly diverse portfolios at the highest complexity; large pieces of a much bigger client portfolio that may include other institutions and input; risk factors that create large variables to create decisions on portfolios + Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines + Partners with the Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines + Attends site visits and prospect/customer calls as needed or as requested + With support from the Credit Analyst, prepares credit applications for new and existing borrowers; Applications shall include new transactions, extensions, modifications, renewals and Annual Reviews + Ensures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adheres to AIRB methodology and addresses TD Banks profitability objectives + Manages the timely approval, documentation preparation and negotiation, and closing of new and existing transactions + Be knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc.) and ensures that all staff complete required compliance attestations/training within required timelines + Ensures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures + Interprets and applies TDs risk management strategy (both credit and operational) + Understands changing market conditions and remain knowledgeable of relevant industry issues + Manages aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and determining strategy if failures occur, completing monthly monitoring; overseeing Credit Analysts that will provide support in these responsibilities **Education & Experience:** + 4 year Undergraduate degree; advanced degree in financial discipline preferred, other advanced degree considered + 7+ years' experience in related field + Excellent credit underwriting and administration skills; considered subject matter expert in complex credit understanding + Superior ability to identify and mitigate risk + Ability to provide value-add structuring alternatives for highly complex credits + Strong written and excellent verbal communication skills with solid business acumen + Solid interpersonal skills + Customer focused + Strong planning and organizational skills + Ability to problem solve in more complex situations + Technologically proficient **Physical Requirements:** Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% + Domestic Travel - Occasional + International Travel - Never + Performing sedentary work - Continuous + Performing multiple tasks - Continuous + Operating standard office equipment - Continuous + Responding quickly to sounds - Occasional + Sitting - Continuous + Standing - Occasional + Walking - Occasional + Moving safely in confined spaces - Occasional + Lifting/Carrying (under 25 lbs.) - Occasional + Lifting/Carrying (over 25 lbs.) - Never + Squatting - Occasional + Bending - Occasional + Kneeling - Never + Crawling - Never + Climbing - Never + Reaching overhead - Never + Reaching forward - Occasional + Pushing - Never + Pulling - Never + Twisting - Never + Concentrating for long periods of time - Continuous + Applying common sense to deal with problems involving standardized situations - Continuous + Reading, writing and comprehending instructions - Continuous + Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered "essential functions" for ADA purposes. **Who We Are:** TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **Our Total Rewards Package** Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more (*************************************** **Additional Information:** We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. **Colleague Development** If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **Training & Onboarding** We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. **Interview Process** We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. **Accommodation** TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

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. 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. * 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 Work Experience * 5+ years of 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 JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans **Base Pay/Salary** Boston,MA $133,000.00 - $240,000.00 / year

Job Description This is an in-person role located on the Outer Cape, MA. Those with confirmed housing within reasonable commuting distance to our beautiful oceanside office located at 221 Commercial Street in Provincetown, MA are encouraged to apply. Summary: The Credit Analyst contributes to the achievement of the Commercial Loan Department's goals as it relates to revenue and portfolio growth, asset quality and compliance. Specifically, the Credit Analyst will work closely with the commercial lenders to identify and manage the credit risk and quality of the commercial loan portfolio. Primary responsibility is to provide credit analysis of new and existing loans by researching and gathering information in order to prepare a loan approval memorandum, conducting financial analysis of business entities and individuals, and assigning and verifying the appropriate risk rating for new and existing borrowers. All duties and responsibilities will be performed while adhering to Seamen's Bank policies and procedures, and all applicable laws and regulations. Essential Duties and Responsibilities include the following: Conduct in-depth analysis of company financial statements and tax returns to determine credit strengths and weaknesses of existing and potential borrowers. The analysis includes, but is not limited to, business and global cash flow analysis, trend analysis, collateral valuation, guarantor analysis, and interest rate sensitivity analysis. Review, analyze and interpret credit reports, personal financial statements, and tax returns. Spread financial information utilizing financial statement spreading software. Prepare credit memorandum for new loan requests, renewals, reviews, modifications, and extensions. Accurately identify loan policy exceptions and mitigating factors. Confer with the commercial team to ensure relationships are appropriately risk rated. Utilize the Commercial LOS platform for loan portfolio administration including ticklers for requesting financial information for completion of annual line of credit renewals and annual borrowing relationship reviews. Work with loan officers and other staff to follow-up on missing financial information and other documents necessary for the credit analysis process. Coordinate with loan officers to annually request current financial information from borrowers with lines of credit and/or with larger borrowing relationships, including preparing request letters for the loan officers. Provide assistance in the general administration of the commercial loan portfolio. Assist with the development of in-house real estate evaluations. Understand and maintain a thorough knowledge of the bank's credit policies and compliance requirements. Maintain knowledge of State Laws and lending regulations as they pertain to commercial loans. Provide other support as needed. Qualifications and/or Educational Experience: 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. A Bachelor's degree from a 4-year college or university, which includes at least 18 credit hours of accounting/finance courses, and with 2-4 years of bank-related experience or training; or the equivalent combination of education and credit/accounting related experience. Required Skills: Exceptionally detail-oriented; strong organizational and time management skills. Ability to read, analyze, and interpret financial statements, tax returns, business periodicals, professional journals, technical procedures, laws and governmental regulations. Ability to write reports, business correspondence, and other documents as may be assigned. Effective verbal skills and the ability to present information and respond to questions from managers, customers, and the general public. Adept analytical and reasoning ability and problem-solving capabilities. Responsible and independent worker with strong interpersonal skills that interacts well with other employees, customers, and the general public. Ability to prioritize and multi-task. Ability to handle sensitive and confidential situations and documentation. Proficient computer skills, especially with Excel, and ability to navigate and utilize Commercial LOS. 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. Annual salary range: $55,750 - $65,000 Benefits: 401(k) 401(k) 4% Match 401(k) matching Dental insurance Employee assistance program Flexible spending account Health insurance Health savings account Life insurance Paid time off Profit sharing Tuition reimbursement Vision insurance Volunteer time off Powered by JazzHR M2qpa4TQyn

Pay is based on related experience, expertise, market data, and internal equity; generally, new hires can expect pay between the minimum and midpoint of the range. The Commercial Credit Analyst will primarily prepare written analyses of commercial loan requests and completion of annual reviews. The analyst will take direction primarily from the Commercial Credit Officer in working with all of the members of the commercial lending team on a daily basis. This person should have excellent communication skills, both written and oral, and be able to handle multiple tasks and special projects in commercial credit as required. This person will also be responsible for assisting in all administrative functions of the department. KEY AREAS OF RESPONSIBILITY: Assist Commercial Credit Department in preparing analyses of commercial loan requests Assist in completion of annual reviews SPECIFIC POSITION FUNCTIONS (DUTIES): Spreading financial statements, analyzing cash flow, reviewing ratios and include results in loan proposals utilizing nCino platform Analyze financial statements, provide income statement/balance sheet analysis, explain impact of balance sheet changes/trends, discuss margins/trends in income statement Determining GSB exposure and assembling relationship data on existing loans/deposits, borrower background, industry data, identify risks Assist in preparing loan proposals/ reviews in coordination with Credit Administration Manager Prepare annual loan reviews of commercial relationships as required by policy Evaluating financial stability and debt service capacity, management strength, collateral coverage, loan structure, risk assessment, economic environment and industry concerns and possible effects on the commercial relationship Run credit bureau reports on borrowers & guarantors in GSB commercial relationships Assist in determining collateral position of borrower utilizing appraisals and financial statements as part of analysis Tracking receipt of financial statements on most borrowers/guarantors Complete credit inquiries and accountant confirmation requests on commercial customers Assist in ordering commercial appraisals as needed and completing appraisal reviews Assist in preparation for external and internal audits and loan review REQUIREMENTS/SKILLS: Must have a minimum of 1 year experience in commercial loan underwriting/analysis Good understanding of accounting principles and financial statements, with strong analytical skills and a focus on accuracy and detail Must be coachable but have ability to work independently Excellent written and oral communication skills Ability to prioritize workflow, solve problems, think creatively to understand complex credit relationships Should have good time management and project management skills Excellent skills with various software, FISERV Cleartouch, WORD/EXCEL applications Greenfield Savings Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender, gender identity and/or expression, national origin, disability status, protected veteran status, age, marital status, or any other protected class.

Job Opportunity: Senior Credit Analyst Are you a seasoned financial professional with a passion for managing credit risk and driving business growth? Abel Womack seeks an experienced Senior Credit Analyst to join our team in Lawrence, MA. In this role, you will conduct in-depth financial analysis, monitor credit risk, and provide recommendations to mitigate potential losses while supporting business growth. The Analyst plays a critical part in evaluating the creditworthiness of both new and existing customers, ensuring financial stability, and supporting sound business decision-making. Key Responsibilities: Conduct comprehensive credit risk analyses for new and existing customers by evaluating financial statements, credit reports, industry trends, and economic conditions. Monitor the credit portfolio to identify potential risks and ensure adherence to credit policies and guidelines. Proactively assist and manage problem accounts. Assist in developing and refining credit policies, procedures, and risk assessment tools. Ensure compliance with regulatory requirements and internal controls. Collaborate closely with internal departments to structure credit terms and mitigate risk in support of business growth and customer partnerships. Provide guidance and support to junior team members, reviewing their work and fostering skill development. Prepare regular and ad hoc reports on trends and portfolio performance. Special projects as needed. Proactively seeking to continuously improve processes to achieve greater efficiencies and control. Assist with month-end closing activities, ensuring all receivables are accurately recorded and outstanding balances are reconciled. All other duties and projects as assigned. Qualifications: Bachelor's degree in accounting or business preferred. 5-7 years' experience in Accounts Receivable preferred with at least 2 years in a senior role. Strong knowledge of accounting principle and credit risk management Experience with ERP systems and processes preferred. Experience with purchasing and accounts payable processes. Proficient in Microsoft Office Applications, with advanced skills in Excel; ERP experience preferred. Effective process-oriented approach to work, able to plan and prioritize work. Strong attention to detail, self-motivated, reliable and able to multitask in a fast-pasted environment. Excellent verbal, written, and interpersonal communication skills Commitment to internal and external customer service excellence. Strong analytical and problem-solving abilities. Salary range: $80,000 - $100,000 annualized Physical Requirements: Ability to sit for prolonged periods while working at a computer or desk. Occasional standing, walking, or reaching as needed for meetings or collaboration with colleagues. Ability to lift and carry office materials (up to 15 pounds). Frequent use of computer, telephone, and other business equipment. Why Join Us? Abel Womack, Inc. is the market leader in the design and implementation of complete material handling solutions-from a single Raymond lift truck, Hytrol conveyor, or Fanuc robot to automating and supporting an entire facility. For more than 100 years, we've worked closely with our customers to understand their specific operational needs, unique requirements and strategic goals. We then develop, implement and support automated solutions that maximize space utilization, material flow, order picking, productivity and overall efficiency. As a consolidated Raymond Corporation Sales and Service Center, our team members feel like they work in a small community but have access to "big company" benefits and resources. Our tagline is discover the difference , because of our unique capabilities and philosophy. Come join our team and see how you can be the difference . To learn more about our culture, benefits and other important details about what it's like to work at Abel Womack, click here: ************************** ABEL WOMACK, Inc. is an Equal Opportunity Employer Veterans encouraged to apply

Job Opportunity: Senior Credit Analyst Are you a seasoned financial professional with a passion for managing credit risk and driving business growth? Abel Womack seeks an experienced Senior Credit Analyst to join our team in Lawrence, MA. In this role, you will conduct in-depth financial analysis, monitor credit risk, and provide recommendations to mitigate potential losses while supporting business growth. The Analyst plays a critical part in evaluating the creditworthiness of both new and existing customers, ensuring financial stability, and supporting sound business decision-making. Key Responsibilities: Conduct comprehensive credit risk analyses for new and existing customers by evaluating financial statements, credit reports, industry trends, and economic conditions. Monitor the credit portfolio to identify potential risks and ensure adherence to credit policies and guidelines. Proactively assist and manage problem accounts. Assist in developing and refining credit policies, procedures, and risk assessment tools. Ensure compliance with regulatory requirements and internal controls. Collaborate closely with internal departments to structure credit terms and mitigate risk in support of business growth and customer partnerships. Provide guidance and support to junior team members, reviewing their work and fostering skill development. Prepare regular and ad hoc reports on trends and portfolio performance. Special projects as needed. Proactively seeking to continuously improve processes to achieve greater efficiencies and control. Assist with month-end closing activities, ensuring all receivables are accurately recorded and outstanding balances are reconciled. All other duties and projects as assigned. Qualifications: Bachelor's degree in accounting or business preferred. 5-7 years' experience in Accounts Receivable preferred with at least 2 years in a senior role. Strong knowledge of accounting principle and credit risk management Experience with ERP systems and processes preferred. Experience with purchasing and accounts payable processes. Proficient in Microsoft Office Applications, with advanced skills in Excel; ERP experience preferred. Effective process-oriented approach to work, able to plan and prioritize work. Strong attention to detail, self-motivated, reliable and able to multitask in a fast-pasted environment. Excellent verbal, written, and interpersonal communication skills Commitment to internal and external customer service excellence. Strong analytical and problem-solving abilities. Salary range: $80,000 - $100,000 annualized Physical Requirements: Ability to sit for prolonged periods while working at a computer or desk. Occasional standing, walking, or reaching as needed for meetings or collaboration with colleagues. Ability to lift and carry office materials (up to 15 pounds). Frequent use of computer, telephone, and other business equipment. Why Join Us? Abel Womack, Inc. is the market leader in the design and implementation of complete material handling solutions-from a single Raymond lift truck, Hytrol conveyor, or Fanuc robot to automating and supporting an entire facility. For more than 100 years, we've worked closely with our customers to understand their specific operational needs, unique requirements and strategic goals. We then develop, implement and support automated solutions that maximize space utilization, material flow, order picking, productivity and overall efficiency. As a consolidated Raymond Corporation Sales and Service Center, our team members feel like they work in a small community but have access to "big company" benefits and resources. Our tagline is discover the difference , because of our unique capabilities and philosophy. Come join our team and see how you can be the difference . To learn more about our culture, benefits and other important details about what it's like to work at Abel Womack, click here: ************************** ABEL WOMACK, Inc. is an Equal Opportunity Employer Veterans encouraged to apply

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

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. If the selected candidate lives within 50 miles of a GRS hub office, then the selected candidate must 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

Hours: 40 Pay Details: $120,000 - $198,000 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Personal & Commercial Banking Job Description: Department Overview: The CSB Credit Specialist II - REITs, CRE Funds, and Capital Call Facilities Credit will independently manage an existing portfolio and underwrite new credits to public REITs, private CRE funds, and Capital Call Facilities to CRE sponsors. The above details are specific to the role which is outlined in the general description below. The CSB Credit Specialist II is responsible for ensuring quality and compliance within an assigned portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. The CSB Credit Specialist II performs the credit underwriting and credit administration functions. The CSB Credit Specialist II works to achieve credit management objectives within the team. The job works closely with the Relationship Manager and Credit Officer to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships. Depth & Scope: * Performs in depth credit analysis for which a majority of accounts consist of; highly diverse portfolios at the highest complexity; large pieces of a much bigger client portfolio that may include other institutions and input; risk factors that create large variables to create decisions on portfolios * Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines * Partners with the Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines * Attends site visits and prospect/customer calls as needed or as requested * With support from the Credit Analyst, prepares credit applications for new and existing borrowers; Applications shall include new transactions, extensions, modifications, renewals and Annual Reviews * Ensures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adheres to AIRB methodology and addresses TD Banks profitability objectives * Manages the timely approval, documentation preparation and negotiation, and closing of new and existing transactions * Be knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc.) and ensures that all staff complete required compliance attestations/training within required timelines * Ensures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures * Interprets and applies TDs risk management strategy (both credit and operational) * Understands changing market conditions and remain knowledgeable of relevant industry issues * Manages aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and determining strategy if failures occur, completing monthly monitoring; overseeing Credit Analysts that will provide support in these responsibilities Education & Experience: * 4 year Undergraduate degree; advanced degree in financial discipline preferred, other advanced degree considered * 7+ years' experience in related field * Excellent credit underwriting and administration skills; considered subject matter expert in complex credit understanding * Superior ability to identify and mitigate risk * Ability to provide value-add structuring alternatives for highly complex credits * Strong written and excellent verbal communication skills with solid business acumen * Solid interpersonal skills * Customer focused * Strong planning and organizational skills * Ability to problem solve in more complex situations * Technologically proficient Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% * Domestic Travel - Occasional * International Travel - Never * Performing sedentary work - Continuous * Performing multiple tasks - Continuous * Operating standard office equipment - Continuous * Responding quickly to sounds - Occasional * Sitting - Continuous * Standing - Occasional * Walking - Occasional * Moving safely in confined spaces - Occasional * Lifting/Carrying (under 25 lbs.) - Occasional * Lifting/Carrying (over 25 lbs.) - Never * Squatting - Occasional * Bending - Occasional * Kneeling - Never * Crawling - Never * Climbing - Never * Reaching overhead - Never * Reaching forward - Occasional * Pushing - Never * Pulling - Never * Twisting - Never * Concentrating for long periods of time - Continuous * Applying common sense to deal with problems involving standardized situations - Continuous * Reading, writing and comprehending instructions - Continuous * Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered "essential functions" for ADA purposes. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

JobID: 210656333 JobSchedule: Full time JobShift: Day Base Pay/Salary: Boston,MA $133,000.00-$240,000.00 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

Responsible for analyzing and monitoring the credit worthiness of the Bank's commercial customers. Recommend credit facilities within the established bank guidelines. ESSENTIAL DUTIES & RESPONSIBILITIES Collect and track receipt of financial statements, borrowing base certificates, and covenant compliance certificates from existing customers Perform annual reviews of existing relationships including spreading financial statements, analyzing corporate borrower's financial performance and condition, evaluating cash flow, collateral, guarantor support and other pertinent factors Produce modification requests for existing relationships Prepare preliminary analysis, typically financial statement spreads and cash flow calculation, of prospective borrowers Underwrite new loan requests including above referenced analysis as well as evaluation of proposed transaction Assign risk ratings as appropriate and monitor covenant compliance Provide analytical support to Senior Credit Analyst and Account Officers as needed Attend and participate in meetings with customer and Account Officer as needed Be prepared to discuss proposals with approval authorities on a one-on-one basis as well as in a committee setting Perform additional duties as requested, needed or assigned JOB REQUIREMENTS Knowledge of commercial and industrial lending practices and related areas Knowledge of financial institution regulatory environment and policy Ability to work independently with some guidance from team members Prioritize work product in order to meet varying deadlines Excellent knowledge of corporate and personal financial statements Excellent financial analytical skills with sound judgment and decision making abilities Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable and highly self-motivated Aptitude in Microsoft Office Suite, especially Excel and Word Experience with spreading software Excellent written and verbal English communication skills Ability to adhere to Needham Bank's Core Values ( Quick-Decision-Making, Reliability, Relationship-Based Focus and Quality Service ) Represent the Bank at various community functions Participate on Bank task forces and committees as assigned Engage in continuing education opportunities as they become available EDUCATION & EXPERIENCE Bachelor's degree in Accounting/Finance or related area At least 2 years of Commercial and Industrial Lending credit experience with loan exposures ranging from $500,000 to $35 million. SBA underwriting experience preferred. WORKING CONDITIONS/PHYSICAL DEMANDS Normal business office environment Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short and long term disability insurance, tuition reimbursement, and an Employee Assistance Program. We offer a great benefit package to our eligible part-time employees as well. Pay Range: $69,794.45 - $90,732.79 The pay range provided is based on what we believe is a reasonable estimate for the pay range for this job at the time of posting. Actual pay may vary based on experience, skills, and market factors; additional compensation may apply. At NB, we are dedicated to building a diverse, inclusive and authentic workplace - if you are excited about this role, but your past experience doesn't align perfectly with every qualification in the job description, we still encourage you to apply. You may be just the right candidate for this or other roles. Needham Bank is an Equal Opportunity/Affirmative Action Employer. Needham Bank will provide all applicants for employment and all employees with equal opportunity for employment and promotion regardless of race, color, religion, gender, national origin or ancestry, age, disability, veteran status, military service, sexual orientation, genetic information, or gender identity.

Job Description Pay is based on related experience, expertise, market data, and internal equity; generally, new hires can expect pay between the minimum and midpoint of the range. The Commercial Credit Analyst will primarily prepare written analyses of commercial loan requests and completion of annual reviews. The analyst will take direction primarily from the Commercial Credit Officer in working with all of the members of the commercial lending team on a daily basis. This person should have excellent communication skills, both written and oral, and be able to handle multiple tasks and special projects in commercial credit as required. This person will also be responsible for assisting in all administrative functions of the department. KEY AREAS OF RESPONSIBILITY: Assist Commercial Credit Department in preparing analyses of commercial loan requests Assist in completion of annual reviews SPECIFIC POSITION FUNCTIONS (DUTIES): Spreading financial statements, analyzing cash flow, reviewing ratios and include results in loan proposals utilizing nCino platform Analyze financial statements, provide income statement/balance sheet analysis, explain impact of balance sheet changes/trends, discuss margins/trends in income statement Determining GSB exposure and assembling relationship data on existing loans/deposits, borrower background, industry data, identify risks Assist in preparing loan proposals/ reviews in coordination with Credit Administration Manager Prepare annual loan reviews of commercial relationships as required by policy Evaluating financial stability and debt service capacity, management strength, collateral coverage, loan structure, risk assessment, economic environment and industry concerns and possible effects on the commercial relationship Run credit bureau reports on borrowers & guarantors in GSB commercial relationships Assist in determining collateral position of borrower utilizing appraisals and financial statements as part of analysis Tracking receipt of financial statements on most borrowers/guarantors Complete credit inquiries and accountant confirmation requests on commercial customers Assist in ordering commercial appraisals as needed and completing appraisal reviews Assist in preparation for external and internal audits and loan review REQUIREMENTS/SKILLS: Must have a minimum of 1 year experience in commercial loan underwriting/analysis Good understanding of accounting principles and financial statements, with strong analytical skills and a focus on accuracy and detail Must be coachable but have ability to work independently Excellent written and oral communication skills Ability to prioritize workflow, solve problems, think creatively to understand complex credit relationships Should have good time management and project management skills Excellent skills with various software, FISERV Cleartouch, WORD/EXCEL applications Greenfield Savings Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender, gender identity and/or expression, national origin, disability status, protected veteran status, age, marital status, or any other protected class.

The Company: Come build on our integrated platform with industry-leading talent, world-class partners, and freedom to innovate. Liberty Mutual Investments (LMI) is the investment firm for Liberty Mutual Group (Liberty). With deep expertise in fixed income, equity, and alternative strategies, LMI invests more than $100B of long-term capital globally, and has a team of nearly 300 investment, finance, and operations professionals located in Boston, MA, and New York, NY. LMI has a clear purpose: drive economic growth, build enduring businesses side-by-side with our partners, and generate superior risk-adjusted returns that secure Liberty's promises. LMI offers the best of both worlds - the look and feel of a boutique investment firm with the reputation and financial strength of a global leader. As the investment firm of a mutual with long-term capital, LMI has a single client mandate. This gives us the freedom to focus on what we do best. Our portfolio spans a broad spectrum of public and private investments, and we are committed to expanding our capabilities and our toolkit in support of our mission. We invest across diverse asset classes, financial structures, and industries, including real estate, digital infrastructure, healthcare, renewable energy, and technology-with the aim of creating value and powering innovation. We pride ourselves on our extensive network of mutually beneficial partnerships, and we use our substantial influence, capital, and energy to drive towards a better future. #LMI The Position: The Global Strategy & Asset Allocation team is seeking a highly analytical and execution-oriented Senior Analyst to support LMI's next phase of its $3.5bn tax credit investment mandate. This individual will have a primary focus on U.S. tax credit solutions as part of clean/renewable energy and advanced manufacturing project financing. The mandate comprises both transferable tax credits and traditional tax equity structures (e.g., partnership flips, hybrid/t-flips), and the individual will play a key role in the evaluation, structuring, execution, and management of investments. This role sits at the intersection of structured finance, project development, and energy transition policy, offering exposure to a high-growth segment of capital markets that scales across LMI's portfolio. Responsibilities: Investment Diligence: Support all phases of the investment lifecycle for transferable tax credits and renewable tax equity deals, including financial modeling, due diligence, risk assessment, and investment committee preparation. Transaction Structuring: Collaborate with internal teams (e.g., Corporate Tax, Legal, Risk, Accounting) and external counsel to support execution of various tax credit structures including transferability, tax equity partnership flips and hybrid structures. Asset Management: Monitor portfolio investments, including key project milestones, recapture risks, and compliance obligations. Assist in quarterly reporting and support integration with downstream finance and accounting teams. Process & Infrastructure: Contribute to the development of a repeatable, institutionally scalable approach to tax credit investing, including pipeline management tools, execution workflows, and internal governance tracking. Market Research: Provide timely insights on renewable energy markets, tax policy developments, sponsor quality, pricing trends, and evolving investment structures in the clean energy tax credit landscape. Partner Engagement: Interface with renewable energy developers, sponsors, and syndicators to source new pipeline opportunities and maintain deal flow visibility. Team Collaboration: Work independently in a flat/lean team structure and promote a culture of collaboration, being willing to work cross-functionally to add value across the organization Qualifications Bachelor's Degree from a leading institution (Finance, Economics, Accounting, or Engineering preferred) 2 - 5 years' related work experience in renewable energy investing, tax equity, project finance, structured credit, or related private market roles Excellent quantitative and qualitative analytical skills (including financial modeling and transaction document review), decision making ability, and communication skills, both verbal and written Strong project management skills, with the ability to work across functions and with external stakeholders including developers, sponsors and investment advisors High comfort level working in Excel and PowerPoint; ability to produce detail-oriented, accurate and consistent work product Comfortable making investment recommendations to and fielding questions from an investment committee Self-motivated with the ability to work independently, thriving in a fast-paced environment and enjoys contributing to new initiatives and platform-building 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.

Braintree, Massachusetts, United States of America **Hours:** 40 **Pay Details:** $28.25 - $45.00 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. **Line of Business:** Credit Management **Job Description:** **Department Overview:** This is a division of Credit Management concentrating in the management of commercial relationships assigned to the Workout Department at TD Bank. Portfolio managers and credit analysts gain exposure to the full breadth of commercial loans that TD underwrites. Syndications, ABL, Auto Finance, Middle Market, Investor CRE, Not For Profit and Community Banking are all the differing loan products managed within. The Credit Analyst II is responsible for conducting in-depth industry and financial analysis of existing and potential borrowers. This job works cooperatively to support the Lending and Credit functions of the Bank. **Depth & Scope:** + Responsible for financial analysis of moderately complex loans/industries/Customers + Works more independently but under the guidance and review of lead staff + Good understanding of loan risk factors + Researches industry specific information from outside sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet + Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times) + Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition + Supports the lending function by providing analytical support + Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities + Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk + May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary + May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos + Monitors compliance with regulatory requirements + Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk + Achieves operational performance standards in quality and timeliness **Education & Experience:** + 4 year degree or equivalent experience + 2+ years related experience required + Developed knowledge of credit and financial analysis techniques. + Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on an increasingly independent basis. + Strong oral and written communication skills. + Strong analytical and research skills. + Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software. + Ability to multi-task and meet deadlines. + Ability to maintain the confidentiality of credit and Customer information. + Good interpersonal skills and a team orientation. **Preferred Qualifications:** + Commercial credit experience **Physical Requirements:** Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% + Domestic Travel - Occasional + International Travel - Never + Performing sedentary work - Continuous + Performing multiple tasks - Continuous + Operating standard office equipment - Continuous + Responding quickly to sounds - Occasional + Sitting - Continuous + Standing - Occasional + Walking - Occasional + Moving safely in confined spaces - Occasional + Lifting/Carrying (under 25 lbs.) - Occasional + Lifting/Carrying (over 25 lbs.) - Never + Squatting - Occasional + Bending - Occasional + Kneeling - Never + Crawling - Never + Climbing - Never + Reaching overhead - Never + Reaching forward - Occasional + Pushing - Never + Pulling - Never + Twisting - Never + Concentrating for long periods of time - Continuous + Applying common sense to deal with problems involving standardized situations - Continuous + Reading, writing and comprehending instructions - Continuous + Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.` **Who We Are:** TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **Our Total Rewards Package** Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more (*************************************** **Additional Information:** We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. **Colleague Development** If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **Training & Onboarding** We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. **Interview Process** We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. **Accommodation** TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.