Credit analyst jobs in Memphis, TN

The Credit Monitoring Analyst III supports the commercial credit monitoring and portfolio management for the Bank through the review and analysis of borrower and guarantor financial information, testing of financial covenants, and post-closing loan review to ensure alignment between loan approval, documentation, and tracking system. Duties & Responsibilities * Maintain in-depth knowledge of Credit Monitoring and industry best practices. * Review financial spreads, financial indicator covenants, borrowing base reviews, post-closing reviews and other assigned job functions, for accuracy and completeness. * Provide input and recommendations on new and existing workflow processes, policies, and procedures involving the Credit Monitoring Team. * Work independently the majority of the time and complete work with little supervision. * Serve as Credit Monitoring subject matter expert and on the Bank's financial tracking system (nCino) to include any upgrades, training, or new resources. * Provide accurate and consistent loan portfolio management and monitoring of our commercial loan portfolio. * Make independent recommendations regarding credit risk supported by comprehensive ongoing risk analysis. * Analyze Borrowing Base Certificates, accounts receivable aging, inventory listings, liquidity, and collateral positions. * Review financial reporting to ensure accuracy and maintain internal tracking for all commercial clients. * Mentorship of less experienced Credit Monitoring Analysts. * Comply with all credit administration policies and procedures. * Prepare ad hoc reports as requested. * Complete Moody's Credit Modules, as assigned. * Maintain the highest level of confidentiality of all information. * Provide extraordinary service while complying with all Bank policies and procedures. * Adhere to Busey Bank policies and procedures; comply with laws, regulations and industry best practices. * Reliable and predictable attendance; both onsite and remote. Education & Experience Knowledge of: * Strong oral, written and interpersonal communication skills * Advanced understanding of credit analysis and financial statements. * Thorough knowledge of financial statement analysis and demonstrated ability to identify and mitigate key risks * Full understanding of loan and collateral documents, including attorney prepared documentation * Strong problem solving and analytical skills Ability to: * Read and comprehends credit write-ups and loan documentation * Prioritize workflow, multi-task and work independently * Perform duties under frequent time pressures with high degree of accuracy and attention to detail Education and Training: * Requires bachelor's degree in Finance, accounting or business * 5 or more years of experience as a successful credit analyst or similar role in a commercial bank. * Experience in nCino and Jack Henry preferred, but not required * Requires knowledge of Microsoft Office Compensation and Benefits Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance. (Base Pay Range: $68,000.00 - 94,000.00 /year) Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being-now and in the years to come-are important to us. Busey's Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information. Equal Opportunity Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment. Unsolicited Resumes Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies ("Agency"), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings ("Agreement"). Busey may consider any candidate for whom an Agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidate(s) without any financial obligation to the Agency, unless an Agreement is in place. Any email or verbal contact with any Busey associate is inadequate to create a binding agreement. Agencies without an Agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often-that's what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills and discover what you excel at-all from Day One. As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals-no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we're building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other. Job Description The Credit Analyst is responsible for evaluating creditworthiness and making recommendations on new, renewal, and extension loans. This role requires advanced financial analysis skills, including the ability to interpret accrual-based financial statements and assess the overall financial health of businesses. The ideal candidate will have experience analyzing financial trends, understanding key concepts such as Net Working Capital, Leverage, Deferred Revenue, and Cash Flow Analysis. Proficiency in reviewing and interpreting the Balance Sheet, Income Statement, and Statement of Cash Flows is essential. The Credit Analyst will identify potential credit risks, recommend strategies to maintain credit quality, and minimize loss exposure. The role also involves leveraging analytical tools and software to evaluate individual credits and portfolios. Key Responsibilities Perform in-depth financial and credit analysis on new and existing customers. Interpret accrual-based financial statements and assess financial trends. Analyze key financial metrics, including liquidity, leverage, profitability, and cash flow sustainability. Evaluate Net Working Capital, Deferred Revenue implications, and overall financial health. Review customer accounts and portfolios to identify potential credit risks. Prepare detailed credit reports and recommendations for decision-makers. Utilize credit analysis tools and software to support evaluations. Basic Qualifications Bachelor's degree in Finance, Accounting, Economics, or related field (or equivalent work experience). Typically four or more years of relevant experience in credit or financial analysis. Preferred Skills/Experience Strong financial and credit analysis skills with emphasis on accrual accounting. Expertise in analyzing Balance Sheets, Income Statements, and Cash Flow Statements. Thorough understanding of Net Working Capital, Leverage, Deferred Revenue, and Cash Flow Analysis. Knowledge of credit administration, policy, and risk analysis. Effective technical report writing and communication skills. Proficient in financial modeling and computer navigation using various software tools. Master's degree, CPA, or CFA certification preferred. Ideal Candidate Profile Financial Acumen: Demonstrates mastery of accrual accounting principles and advanced financial analysis techniques. Cash Flow Expertise: Skilled in evaluating cash flow sustainability and understanding its impact on credit risk. Analytical Strength: Ability to identify financial trends and interpret complex financial data. Technical Knowledge: Comfortable with key financial concepts such as Net Working Capital, Leverage ratios, Deferred Revenue, and Cash Flow Analysis. Statement Analysis: Highly proficient in analyzing Balance Sheets, Income Statements, and Statements of Cash Flows to assess liquidity, profitability, and solvency. Risk Awareness: Ability to evaluate credit risk holistically and recommend strategies to mitigate exposure. Communication Skills: Capable of presenting findings clearly and persuasively to stakeholders. Technology Savvy: Adept at using financial modeling tools and credit analysis software. Location - The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days. If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants. Benefits: Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours): Healthcare (medical, dental, vision) Basic term and optional term life insurance Short-term and long-term disability Pregnancy disability and parental leave 401(k) and employer-funded retirement plan Paid vacation (from two to five weeks depending on salary grade and tenure) Up to 11 paid holiday opportunities Adoption assistance Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. E-Verify U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program. The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $70,890.00 - $83,400.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. Posting may be closed earlier due to high volume of applicants.

Research and resolve accounts that are in a credit balance status. Research and resolve all refund requests. Post refunds and recoupments. Identify and provide communication and education on trends identified on the credit balance report. Demonstrate understanding of the revenue cycle and the responsibility and goals of each area and how they impact the revenue cycle. Perform other duties as assigned. Responsibilities Research and resolve all refund requests. Research and resolve accounts that are in a credit balance status. Maintain knowledge of Business Office policies and procedures. Complete assigned goals. Other Information Education Minimum: High school diploma or equivalent Experience Minimum: Minimum of one year experience in a healthcare setting Special Skills Minimum: Detail oriented, analytical and ability to problem solve. Excellent written and oral communication skills. Working knowledge of Microsoft Word and Excel or equivalent.

Research and resolve accounts that are in a credit balance status. Research and resolve all refund requests. Post refunds and recoupments. Identify and provide communication and education on trends identified on the credit balance report. Demonstrate understanding of the revenue cycle and the responsibility and goals of each area and how they impact the revenue cycle. Perform other duties as assigned. Responsibilities Research and resolve all refund requests. Research and resolve accounts that are in a credit balance status. Maintain knowledge of Business Office policies and procedures. Complete assigned goals. Other Information Education Minimum: High school diploma or equivalent Experience Minimum: Minimum of one year experience in a healthcare setting Special Skills Minimum: Detail oriented, analytical and ability to problem solve. Excellent written and oral communication skills. Working knowledge of Microsoft Word and Excel or equivalent.

The Credit Analyst works with our Commercial Lenders and Business Bankers to serve the needs of our commercial clients. This individual will work with our Commercial Lenders to manage existing commercial clients and develop new relationships. A key part of the Commercial Lending Team, the credit analyst helps usher loan requests through the approval process. Duties include: PRIMARY DUTIES: 1. Analyzing financial reports, business plans, projections, and industry reports to understand customer/prospect credit-worthiness. 2. Preparing written narratives describing borrowers' current financial condition and future outlook. 3. Assisting lenders with daily credit monitoring tasks and monthly credit review. 4. Reviewing covenant compliance for all commercial borrowers. 5. Completing annual reviews on borrowing customers and reviewing ACH/ETL limits. 6. Reviewing credit proposals for loan committee for accuracy and for continuing education. 7. Participating in credit training opportunities. 8. Accompanying lenders on customer/prospect visits to improve credit analysis understanding and to learn business development techniques. SKILLS REQUIRED: · Bachelor's degree in Business, Business Administration, Finance or Accounting is required. · Knowledge and experience in banking, financial analysis, or a related field is required. · Working understanding of accounting concepts and how they apply to businesses is required. PREFERRED QUALIFICATIONS: · 1-3 years of financial analysis or banking is preferred. · Confidence and competency in oral and written presentation is preferred. · A quick learner with the ability to self-direct on important tasks with little to no direction is preferred. · Excellent computer skills including, MS Word, Excel, and PowerPoint.

The Ford Motor Credit Company team helps put people behind the wheels of great Ford and Lincoln vehicles. By partnering with dealerships, we provide financing, personalized service and professional expertise to thousands of dealers and millions of customers in over one hundred countries around the world. In this position... We are seeking a highly motivated and experienced Dealer Credit professional to join the DCRM team. This critical role will work with the field sales organization in meeting dealer requests, including structuring alternative credit arrangements, prioritize and complete dealer credit requests/renewals to meet dealers' credit needs while ensuring credit integrity, Interact with the field sales organization for input, recommendation and concurrence, Review, analyze and decision dealer credit requests/renewals according to company policies and procedures. Join our team and contribute to building and maintaining effective relationships within Dealer Credit Sales, and other operational teams. This is a SG7 role, open to lateral and promotional movement. *** This role is a hybrid working pattern (in office 4x a week) Must be within driving distance of Dearborn, Colorado Springs, or Nashville. You'll have... Bachelor's degree or equivalent 3+ years of experience with complex financial analysis Experience with Risk Analysis Excellent analytical and decision-making skills. Quick learner, ability to shift/adapt quickly. Strong verbal and written communication skills. Excellent organizational skills and ability to multi-task, prioritize workload, handle multiple assignments, and deliver with minimal direction Even better, you may have... Experience with Dealer Credit analysis As an established global company, we offer the benefit of choice. You can choose what your Ford future will look like: will your story span the globe, or keep you close to home? Will your career be a deep dive into what you love, or a series of new teams and new skills? Will you be a leader, a changemaker, a technical expert, a culture builder…or all of the above? No matter what you choose, we offer a work life that works for you, including: • Immediate medical, dental, and prescription drug coverage • Flexible family care, parental leave, new parent ramp-up programs, subsidized back-up childcare and more • Vehicle discount program for employees and family members, and management leases • Tuition assistance • Established and active employee resource groups • Paid time off for individual and team community service • A generous schedule of paid holidays, including the week between Christmas and New Year's Day • Paid time off and the option to purchase additional vacation time. For more information on salary and benefits, click here. Visa sponsorship is not available for this position. Candidates for positions with Ford Motor Company must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire. We are an Equal Opportunity Employer committed to a culturally diverse workforce. All qualified applicants will receive consideration for employment without regard to race, religion, color, age, sex, national origin, sexual orientation, gender identity, disability status or protected veteran status. In the United States, if you need a reasonable accommodation for the online application process due to a disability, please call **************. #LI-FordCredit #LI-DA1 What you'll do... Build and maintain effective relationships within Dealer Credit, Sales Teams, and other operational teams. Work with your Operations Manager - Dealer Credit to identify danger signals and make appropriate recommendations to limit credit exposure to the company and effectively communicate exceptions or critical triggers. Coordinate, capture, update and maintain formal / informal information and disseminate across the sales teams, business center and central office organizations through effective use of SharePoint, w: drives and other system tools. Ensure integrity across all systems and processes. Initiate dealer credit reviews according to procedural guidelines and prepare dealer credit file reviews / requests in a timely manner while working with your team. Review documentation against credit requests / renewals and apply due diligence in the following: UCC filing, searches and validations, Good Standing Certifications, etc. Ensure compliance with all policies and procedures in order to achieve compliant ratings Develop and maintain a professional rapport with all dealers in accordance with Center policies and procedures in order to capture necessary documentation to complete your assigned tasks. Provide Best-In-Class service to our dealers and sales partners by promptly responding to requests for assistance and interim requests. Work with the field sales organization in meeting dealer requests, including structuring alternative credit arrangements Prioritize and complete dealer credit requests/renewals to meet dealers' credit needs while ensuring credit integrity Interact with the field sales organization for input, recommendation, and concurrence Review, analyze and decision dealer credit requests/renewals according to company policies and procedures Communicate decisions to appropriate functions Actively participate in department meetings to help promote a positive environment and support a culture which ensures a team, risk-oriented approach is maintained in Dealer Credit.

NISA Investment Advisors, LLC (NISA) offers customized investment solutions for tax-exempt and taxable institutional clients. NISA manages over $295 billion in fixed income and equity securities and over $165 billion in derivative notional value. We seek bright, motivated individuals who can contribute to our growing team of professionals. Candidates with a high degree of independent thinking skills, strong analytical and quantitative skills, and team playing abilities are encouraged to apply. Responsibilities The Credit Research Analyst is a member of the Credit Research Team within the Portfolio Management Group. Collectively, the Portfolio Management Group is responsible for all credit investment and portfolio management activities. Bottom-up, fundamentally driven analysis and relative value opinions are at the core of the Credit Research Team's contribution. The Credit Research Analyst will assist the senior team members in maintaining coverage across multiple sectors. The candidate is responsible for: * Conducting extensive company and industry analysis and research * Building and maintaining detailed company financial models * Communicate investment ideas based on fundamental and relative value analysis * Maintaining an active dialogue with other members of the Portfolio Management Group as well as various external parties including sell-side analysts, rating agencies and company management teams * Actively monitoring investment positions across client portfolios * Completing various ad hoc assignments and projects Qualifications * Bachelor's degree in Finance, Economics, Accounting or related field * 3-7 years of relevant finance industry experience- direct equity or credit research experience is preferred * Achieved or working toward an advanced degree (e.g., MBA) or professional designation (e.g., CFA) is preferred * Familiarity with techniques and technologies related to quantitative/statistical analysis (e.g., Python) and Excel is preferred * Candidates must have a strong analytical background and the ability to interpret and synthesize large quantities of information from technical journals, financial reports and legal documents * Ability to work successfully in a team environment * Drive to perform at a high level under pressure and time constraints NISA's culture encourages collaboration and innovation. We seek self-motivated, intellectually curious individuals willing to push themselves and others in an environment that celebrates fresh thinking. We equip employees with the resources needed to excel and we encourage personal development. NISA is dedicated to internally cultivating and rewarding talent. Employees at NISA are provided with a wide range of benefits, including a complimentary onsite cafeteria, gym, health and wellness program, and educational assistance program. NISA 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, disability, or protected veteran status.

ATTENTION MILITARY AFFILIATED JOB SEEKERS - Our organization works with partner companies to source qualified talent for their open roles. The following position is available to Veterans, Transitioning Military, National Guard and Reserve Members, Military Spouses, Wounded Warriors, and their Caregivers. If you have the required skill set, education requirements, and experience, please click the submit button and follow the next steps. As our new Operations Support Specialist, you will support the Workforce Solutions Operations group. This is a dynamic team that supports several product lines, and these products help enable our customers to live their financial best. You will play a key role on the team by harvesting the data they need to efficiently get their jobs done. And the best thing, no two days are the same, as internal and external partners, along with the states we work with, all do their work differently. This allows you to learn every single day and become an expert in the various processes our partners employ, in order to help the Operations team to improve our own support model. What you'll do: Validate incoming WOTC data (Tax Credit Questionnaires, 8850s and state forms) in various mediums (paper and electronic) to ensure completeness and process IRS 8850 forms and route to the Department of Labor in a timely manner to secure potential tax credits You will assist with resolving technical issues such as edit indexed data, quality control for external error processing, file load issues, etc. You will work with team members, internal stakeholders and states to identify and solve challenges that could impact potential tax credits ·Lead continuous improvement events resulting in employee skill, knowledge development, and performance improvement Develop and implement appropriate operational procedures to meet timely and high-quality deliverables Establish, monitor, and report on operation/production issues, business improvement opportunities, and operational achievements Pull, process, and key WOTC Determinations from the states (Certifications, Denials, and Needs) Support Employer Representative Declaration submissions to the states Process forms in the WOTC Operational Inbox What experience you need You hold a Bachelor's degree or you have an equivalent combination of education and related professional experience Minimum of 1 - 2 years of office experience You are proficient in data entry and have relatable software experience What could set you apart Knowledge of G Suite Strong organizational skills You have excellent verbal and written interpersonal skills, demonstrating an ability to support our partners with their questions and technical needs with guided career tracks.

Job Details Maplewood, MO Full Time CreditDescription The Credit Analyst will provide credit function support to the commercial lending team. This position will work with commercial loan officers to properly evaluate the financial strength and risks associated with clients in various industries. Primary Responsibilities: Input and analyze personal and business financial data into spreading software from various source documents, including personal and business tax returns, personal financial statements, pro forma projections, budgets, audits, and other statements. Produce supporting cash flows, property analyses, and accounts receivable aging reports to assist loan officer's loan presentations. Provide detailed financial, project specific, and economic analysis for loan requests to be presented for approval, supported using research, critical thinking, problem solving, mathematical and analytical skills in the form of fully articulated credit analyses. It is the responsibility of the analyst to assess the risks associated with the loan requests and communicate them with the relevant loan officers, and the approving authorities of the bank. Learn and apply the bank's loan policy and procedures and make recommendations on loan structure to loan officers and loan coordinators as needed. Maintain the software-based tracking system for financial documents, including tax returns, financial statements, borrowing base certificates, and accounts receivable aging documents. Record and distribute minutes for weekly loan committee meetings. Prepare and present reports on loan utilization and unfunded commitments. Prepare monthly Board Reports and monthly lending metric reports. While this is mostly an in-office position, the analyst will have the opportunity to travel to meet with loan officers and clients of the bank as needed. Attend industry training provided by the Risk Management Association, Missouri Bankers Association, and/or American Bankers Association to further your skillset and industry knowledge. Assist Senior Management with other tasks and duties as assigned. Qualifications Experience, Education, Skills 2+ Years of Credit Underwriting experience is preferred. Bachelor's Degree in Accounting, Business, Economics, or Finance preferred, with a solid understanding of accounting principles, related job experience in lieu of a college degree will be considered. An understanding of financial data metrics including balance sheets, income statements, cash flow statements, and ratio analysis. Ability to provide accurate and concise financial analysis on projects, clients, and the economy within given deadlines. Strong Proficiency with Microsoft Word, and Excel, with the ability to create and maintain detailed financial spreadsheets and documents. Strong written and verbal communication skills. The ideal candidate will be a community focused professional who is a self-motivated, hard-working, and intellectually curious person, willing to learn on the job, assist others, and be able to work independently, with a high level of attention to detail while delivering satisfactory analysis within the established deadlines and interested in furthering a career in community banking.

Credit Analyst Hours: Full Time Years of Experience: At least 5 years or 3 years from Big 4 accounting firm Education: Degree in Accounting or any related Finance courses Must be: CPA Work Timings: 10:00pm to 7:00am PH time [US Central Time shift] / Monday to Friday Our credit analysis process plays a key role in evaluating borrowers' ability to repay, valuing the collateral, and managing risk throughout the loan term, ensuring that our investments are protected. The main job of a credit analyst is to give well-informed recommendations on loan requests and present each loan as an investment opportunity to senior management. This is done by creating clear and accurate reports that show both the strengths and risks of each loan. As part of the AVANA team, we will provide you training in U.S. real estate lending and pair you with experienced U.S.-based underwriters to ensure you have the support needed to succeed. We will train you to provide great customer service and build strong client relationships, following AVANA s core values: Putting People First, Doing the Right Thing, Taking the Lead, Making an Impact, and recognizing that Excellence is a journey. Key Results Spread financial information and prepare a prescreen within 48 hours or receipt of Prescreen Checklist items Achieve a minimum of 4 loans funded each quarter Produce first draft of CAM for review within 10 business days of loan entering underwriting Core Competencies Analytical Thinking Attention to Detail Collaborating with Others Decision Making Problem Solving Duties and Responsibilities (Training will be provided): Analyze loan requests thoroughly, focusing on the financials of applicants and collateral valuation, ensuring accuracy and reliability. Collaborate with internal teams to ensure each loan is processed within the set timeframes in the service level agreement. Communicate proactively with clients and the sales team to gather the necessary information for making informed credit decisions. Recommend suitable loan structures based on the credit request. Follow AVANA s credit analysis standards as outlined in the loan policy Prepare and present clear credit analysis memos that accurately assess the borrower's creditworthiness and collateral value, highlighting strengths and risks Perform periodic risk assessments and monitoring on assigned loans, ensuring correct risk ratings are assigned, identify early warning signs, and recommend appropriate actions to mitigate risks. Administer construction loans, tracking budgets, schedules, third-party reports, and ensuring timely funding. Research and analyze industry trends to spot potential risks in the market. Use U.S.-based resources to assess portfolio risks, including probabilities of default and potential losses. Ensure compliance with legal and management standards across all areas. Be open to travel for training purposes. Take on additional tasks as assigned by the Chief Credit Officer or Management. Required Education and Qualification Bachelor s degree in Finance, Accounting, Economics, Real Estate Management or any related field with outstanding academic performance Licensed CPA Preferably with at least 3 years experience in a Big 4 accounting firm or as a credit analyst in US-based commercial real estate, preferably with a background in Hospitality, Senior Care/Assisted Living Facility and Renewable Energy, or 5 years working in finance/accounting Quick learner and strong problem-solving skills. Excellent analytical skills with the ability to interpret complex financial data and identify key risks. Excellent knowledge of accounting rules (Knowledge of US GAAP and IFRS) Ability to work independently with minimal supervision. Comfortable in a fast-paced, multinational environment, able to manage multiple priorities. Strong attention to detail, with the ability to spot data discrepancies. Availability to work U.S. hours. Ability to coordinate with internal and external stakeholders. Excellent written and spoken English, able to clearly communicate findings and recommendations. Proficient in Microsoft Excel and Word. Desired Functional and Behavioral Characteristics: Positive and professional attitude Self-motivated Team oriented, demonstrates a willingness to assist other members of the firm Accuracy and strong attention to details What We Have to Offer Competitive salary and benefits package Ample opportunities for growth and self-development Opportunities for professional development and advancement Collaborative and inclusive work environment with international exposure

Credit Analyst I (Start Date July 2026) Organizational Location: Houston, Atlanta, Dallas, North Texas, Austin, Ft Worth, Waco, Macon GA, Baton Rouge, Biloxi MS or Little Rock Primary Purpose: Primary duty is to analyze and underwrite credit decisions submitted by various lines of business within the bank. Performs basic research and financial/statistical analysis to determine and document the creditworthiness of such requests. Compiles analysis, borrower, industry and other information into documents for review and approval. Principal Duties and Responsibilities: * Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan request(s). * Completes financial and repayment analysis with a focus on cash flow, liquidity and leverage analysis. * Assesses strengths and weaknesses of loan requests. * Ensures the following standard operating procedures are met when preparing analysis, reports, and presentations for management review: accurate historical financial statements; prudently prepared projections; and represents a clear focus on the merits, risks, and mitigation accordingly. * Thoroughly documents the credit request in the appropriate format. * Conducts research to determine the quality, character, and soundness to include but is not limited to: the analysis of basic statistical data & financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc. * Assist senior team members and commercial bankers to screen loan packages and collect materials. Will need to interact with other departments within the bank such as Treasury Mgmt, Wealth Mgmt, Trust, etc. May also interact with customers and accountants. * Strives to minimize turnaround time while thoroughly documenting credit requests. * Participate in training courses as requested. * Performs other duties as required. Job Specifications: * 3.0 or higher GPA * Minimum of 9 hours of accounting * Strong technical and interpersonal skills * Demonstrated leadership through extracurricular activities and internship/work experience * Strong oral and written communication skills * Knowledge of credit risk analysis and underwriting principles, methods, and practices. * Basic proficiency using Microsoft Office applications to include Word and Excel, as well as other database application systems Education: * Bachelor's Degree in Finance, Accounting or related discipline required.

Preparation of various loan system reports, including those that are submitted to the Board of Directors on a monthly basis. Preparation of technical exception reports, non-conforming loan reports, etc., for the eventual benefit of loan officers and Board of Directors. Responsible for completing financial analysis reviews assigned and loan proposals. Follow-up to ensure timely responses to the recommendations and the resolution and/or implementation of the same. Responsible for the entering of financial statement tracking, which includes entering information into the tracking system and also into the CASH software. This includes spreading all financial statements when they are received. Monitor credit files to ensure adequacy of documentation and timeliness of financial statements. Generate letters on a timely basis requesting current financial statements from customers. Review all downgraded loans to ensure we have proper real estate valuations in each file. Order re-evaluations as deemed necessary. Review and update loan documentation as required in loan policies and bank regulations. Keep abreast of changes in regulation and procedures that affect loan documentation and compliance. Assist with the appraisal process; including but not limited to; ordering appraisals, reviewing appraisals, and maintaining communication between bank and vendors. Perform various compliance related audits and projects as assigned. Attend training sessions to learn about the regulations that pertain to commercial loans and train other commercial loan personnel about the changes in regulations as they occur. Examine files systematically for adequacy of credit and/or deficiencies and report examination results to the supervisor, other officers or management as requested. Assist external and internal auditors in their reviews. Provide support to commercial lending staff and officers as needed. Knowledge, skill and mental development equivalent to the completion of a bachelors degree (in the field of business), which includes specific courses in accounting and finance. One year of bank audit experience and knowledge of bank credit review, audit and/or compliance procedures and policies. Strong computer software knowledge of and skills and experience with word processing and spreadsheet software, preferably Word and Excel. Good verbal communication skills as evidenced by the ability to interact both face-to-face and over the telephone with examiners, consultants, auditors, customers and co-workers. Demonstrated ability to use tact, diplomacy, and a professional personal appearance, when dealing with examiners, consultants, auditors, customers and co-workers. Ability to manage multiple tasks simultaneously in a fast-paced environment. Strong customer service and relations skills. Creativity and initiative. Organizational and time management skills. Analytical and problem-solving abilities. Good written communication skills. Good proof reading and editing skills. Accuracy and attention to detail. This position is eligible for a $500 referral bonus.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: The AB (Asset-Based) Portfolio Specialist manages a portfolio of asset-based structured loans in a variety of industries. The AB Portfolio Specialist is responsible for actively monitoring financial and collateral trends and recommending appropriate action. Responsibilities also include reviewing requests for loan modifications, analyzing financial performance, negotiating terms, drafting proposals, reviewing documents, and preparing recommendations for approval. The FAM Specialist ("Specialist") is responsible for the timely completion of accurate financial statement spreads and risk ratings in support of underwriting new credit requests, renewals, and traditional portfolio monitoring. The Specialist will also perform annual reviews on client relationships in alignment with Business Unit policy and procedures. Responsibilities: * Build trust and strong relationships and proactively drive engagement with Underwriting, Credit Executive and Client team partners. * Spread and analyze complex financial information, including Personal Financial Statements, Brokerage statements, Personal Tax Returns and Schedule K-1s, Business financials, etc. for high-net-worth clients. * Accurately risk rate clients using regulatory definitions, good credit judgement and the Risk Rating Scorecard tool. * Effectively and concisely communicate spreading and risk ratings outcomes with key business partners. * Understand and leverage tools, systems, and applications used in day-to-day functions such as Excel, Outlook, GUS, Loan IQ, EDR, Risk Rating Scorecard, etc. * Understand and accurately apply risk rating scorecard and spreading guidance. Required Qualifications: * Experience: 3-5 years in credit analysis, accounting, financial analysis, or a closely related credit risk role, including financial covenant testing and the ability to interpret and apply Commercial credit agreement terminology and concepts. * Policies and Procedures: 2+ years of credit analysis experience with Commercial credit policies and procedures * Technical Skills: Proficient in interpreting various Commercial loan documents. * Credit Analysis: Strong working knowledge of commercial loan structures and financial statement analysis, including personal financial statements, brokerage statements, rent rolls, and NOI statements; ability to identify and escalate early signs of credit deterioration, within the Commercial credit structure. * Operational Support: Exposure to GMS/Tableau reporting, documentation management, and process improvement. * Project Coordination: Capable of independently running analysis on credit supported small projects and streamlining team operations. * Systems Knowledge: Working proficiency with Commercial loans, collateral, client data and workflow systems along with SharePoint, and Adobe Acrobat. Desired Qualifications: * Bachelor's degree in Accounting, Finance or equivalent experience * System knowledge of LIQ, PACE, GMS, GUS, EDR, Genesis, Image Trust, Navigator, SharePoint , KYC, Adobe Acrobat Standard Skills: * Attention to Detail * Client Management * Decision Making * Underwriting * Credit Documentation Requirements * Critical Thinking * Portfolio Management * Problem Solving * Written Communications * Financial Analysis * Negotiation Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40

At First Horizon Bank Operations, we are on a mission to deliver a seamless customer experience. We are passionate about doing things right and doing the right things. We collaborate with each other and with our internal business partners to delight our customers. We believe in creating an environment where everyone's ideas are valued so that the team operates at its best. Our team members serve with humility and a deep commitment to their responsibility to be the best at serving their customers one opportunity at a time. Summary The Credit Analyst position is an important piece to the underwriting/credit analysis process. Credit Analysts in the CCL assist the Underwriting and Relationship Managers with a multitude of front-end work to help provide a quick and efficient client experience. This position is within the Centralized Commercial Lending (CCL) team. This person will be expected to provide support for commercial lending portfolios within the footprint. Work is expected to be performed within a production-based environment to include, but not limited to financial statement spreading and completion of the CCL's standard cash flow template. Key Responsibilities * Spread financial statements and tax returns. * Create Global Cash Flows for borrowers, guarantors, and prospects * Due Diligence including verifying 4506-Cs, ordering tax transcripts, performing background checks. * Assist underwriters with loan requests on both the new money and renewal side. * Communicate with RMs, client specialists, and underwriters to ensure that deals are progressing as intended. * Request missing documentation when necessary. * Participate in special projects and assignments and other duties as needed. Requirements * Bachelor's degree is required. A degree in a related business discipline is preferred (Finance, Accounting, etc.) * At least 1 year of relevant experience preferred, or an equivalent combination of education and experience * Experience with Microsoft Outlook, Word, Excel, and PowerPoint * Experience with nCino and Moody's CreditLens a plus * Understanding of financial ratios * Ability to communicate effectively. * Ability to read, analyze, and interpret financial reports; analyze and evaluate information, solve problems and achieve goals. About Us First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ********************* Benefit Highlights * Medical with wellness incentives, dental, and vision * HSA with company match * Maternity and parental leave * Tuition reimbursement * Mentor program * 401(k) with 6% match * More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits Follow Us Facebook X formerly Twitter LinkedIn Instagram YouTube

Are you looking for an exciting career opportunity? Excited to work with a dynamic team of professionals in the finance industry? Join us at The Citizens Bank as a Full Time Credit Analyst! This position is onsite and can be housed at any of our NW Arkansas Citizens Bank branches. This role is crucial in helping make informed financial decisions for our customers and lending teams while protecting from risk. This position is open to experience levels from entry level to experienced analysts and offers competitive pay and seniority level based on the candidate's experience. Citizens Bank offers benefits such as Medical, Dental, Vision, 401(k), Life Insurance, Health Savings Account, Flexible Spending Account, and Paid Time Off. The Citizens Bank: Who We Are Citizens Bank was founded in 1953 by a group of business and civic leaders. Citizens Bank is a financial services organization that is committed to serving the needs of the communities it serves. Its progressive community banking model focuses on the delivery of exceptional customer service while employing advanced technology and products which allow its customers to have one bank to serve all their needs. The Bank takes pride in a heritage of independence that honors the vision of its founders and remains dedicated to the financial progress of the people it serves. With a mission statement of People First, we always strive to deliver an amazing customer experience and provide the best products and services possible by every member of the Citizens Bank team. Make a difference as a Credit Analyst As a Full Time Credit Analyst at The Citizens Bank, you will play a vital role in assessing creditworthiness for a variety of loan types and customers. Your responsibilities will include collecting and examining credit data and ensuring compliance with all relevant banking regulations. You will collaborate with our lending teams and customers to help facilitate the loan process and make well informed recommendations and decisions. Your dedication to maintaining and upholding our customer-focused mission statement of People First is essential to the success of the Team. Are you the Credit Analyst we're looking for? To excel as a Credit Analyst at The Citizens Bank, you will need expertise in financial statement and tax return analysis, along with a solid understanding of the lending process. Strong communication skills, both written and verbal, are essential for collaborating with team members and customers. Proficiency in various computer applications is key, as is exceptional organizational and time management abilities to handle multiple tasks efficiently. Your problem-solving skills will be crucial in making sound credit decisions and maintaining compliance with banking regulations. Knowledge and skills required for the position are: Experience and knowledge in financial statement and tax return analysis Basic knowledge of the lending process Strong written and verbal communication skills Computer savvy with experience in various software platforms Excellent organizational and time management skills Problem solving Ready to join our team?

We are seeking a Junior Credit Analyst at our corporate office in Chesterfield, MO. This individual will review credit data to evaluate small business loan requests, analyze sources of financial information to determine profitability of loans, evaluate sources of collateral and prepare loan documents. Qualified candidates MUST have at least 2 years of direct experience with underwriting commercial loans. Experience with small business loans, such as commercial vehicles, equipment and investment properties is PREFERRED. Responsibilities include: Prepare credit memorandum includes the borrower's financial condition, evaluate repayment capacity and collateral coverage. Annual Reviews Ensure that all credit assessments are thorough, accurate, mitigate risks, comply with internal policies and regulatory requirements Excellent communication and interpersonal skills Strong analytical and quantitative skills with the ability to interpret financial and tax information.

Full-time Description Department: Credit Department Reports To: Senior Credit Analyst Hours: Full-time position Under general supervision and guidance of the Senior Credit Analyst, the Credit Analyst II is responsible for analyzing and projecting credit and financial information on various types of loans for customers applying for credit or loans to determine the risk that the bank will not recoup funds loaned. The level of risk is then used to determine if a loan or line of credit will be granted, and if so, the terms of the loan, including interest rate. The Credit Analyst II prepares reports based upon their findings to help make decisions on lending and credit-worthiness; Work is highly confidential in nature and involves the skilled use of a computer. ESSENTIAL DUTIES AND RESPONSIBILITIES Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions Evaluate borrowers' credit data and financial statements in order to determine the degree of risk involved in lending money, to monitor trends and conditions Spread financial statements into financial software Maintain and update tracking software program for financial exceptions Create Excel worksheets to organize, analyze, present, and store data Prepare reports surrounding the degree of risk in lending money to borrowers Determine and alert senior management as to potential problem situations which surface from analytical investigations Analyze borrower records, using the data to recommend payment plans Confer with credit associations and references to exchange credit information on borrowers Provide assistance in preparation and presentation of loan proposal packets, including the credit analysis and loan request summaries; submit to loan committees for review/approval Verify covenant information and note exceptions Prepare monthly reports for senior management Reconcile credit files and identify discrepancies and variances Remain abreast of company's lending protocols Successfully complete compliance training; Adhere to internal controls and procedures; Understand and comply with bank policies as well as regulations and laws applicable to the position Maintain utmost confidentiality and professionalism in dealing with others Perform any other related duties as may be required or assigned TEAM EXPECTATIONS Champion the MNB mission statement with pride and enthusiasm Maintain a high-level of cooperation and rapport among team members to ensure accuracy and efficient operations and service Perform all aspects of your position with a coachable spirit Collaborate in the sharing of new ideas that will drive the organization's bottom line Participate in volunteer opportunities surrounding the bank Exhibit professionalism at all times ENVIRONMENTAL CONDITIONS The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. There are no harmful environmental conditions that are present for this position. The noise level in the work environment is usually moderate and that of a typical office setting. SAFETY SENSITIVITY This position is not considered safety sensitive as defined by the MNB Drug-Free Workplace Policy. OTHER Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. EOE STATEMENT MNB is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, age, sex, sexual orientation, gender identity, marital status, pregnancy, status as a protected veteran, status as a qualified individual with a disability, or any other basis that may be determined by law. Requirements 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. EDUCATION AND EXPERIENCE High school diploma or GED required Bachelor's Degree in Accounting or Finance preferred Minimum five (5) years commercial credit analyst, underwriter, and/or commerical lending experience required OTHER SKILLS AND ABILITIES Credit Analyst II must be able to Exhibit ability to effectively support Supervision Communicate effectively (both oral and written) Display impeccable understanding of financial statements, ratios, and concepts Successfully manage assigned tasks independently while meeting time constraints Calculate figures and amounts (e.g. discounts, interest, commissions, percentages, etc.); apply mathematic concepts (e.g. fractions, ratios, proportions, etc.) Exhibit strong analytic skills and attention to detail while organizing information Multi-task and rotate job tasks with seamless flexibility Read, understand and comply with documents (e.g. policy manuals, laws, regulations, internal procedures and controls, etc.) and exercise independent judgement, initiative, and discretion based on knowledge of such in performing daily activities Foster an atmosphere of teamwork and enthusiasm Exercise trustworthy service, courtesy, tact and diplomacy in dealing with others Efficiently use standard office equipment (i.e. desktop/laptop computer and software, copier, scanners, printers, fax, 10-key calculator, multi-line telephone system, etc.) Proficiently use MS Office applications (Word, Excel) Exhibit general knowledge of commercial bank computer applications 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 This position requires manual dexterity; to regularly sit, use hands to finger, key data, handle or feel; to reach with hands and arms; to talk and hear; the employee must occasionally stand, walk, bend, stoop, or kneel. The employee may regularly be required to lift and/or move up to 10 lbs.; occasionally lift and/or move up to 20 lbs. Specific vision abilities required by this job include focus and close vision.

Summer 2026 Internship Opportunity! Title: Credit Intern Are you ready to kickstart your career with a company that's making a global impact? Carboline is looking for motivated, curious, and driven students to join our team for an unforgettable summer internship experience! This immersive 12-week program (Anticipated: May 18, 2026 - August 7, 2026), offers a unique opportunity to gain valuable experience, build lasting connections, and make a meaningful impact-all before heading back to campus. Jumpstart your career with a hands-on internship in our Credit Department at Corporate Headquarters. As a Credit Intern, you'll gain real-world experience through impactful summer projects, learning the ins and outs of credit operations while collaborating with experienced professionals. Along the way, you'll grow your network through mentorship, peer connections, and exposure to senior leadership-building both your industry knowledge and professional confidence. What You'll Gain: Meaningful, hands-on experience working on impactful projects that contribute to Carboline's success. Exposure to cross-functional collaboration and insight into how a global organization operates. Professional development opportunities, including mentorship from experienced leaders. A chance to enhance your skills and apply classroom knowledge in a real-world setting. Participation in team-building activities and a workplace culture that values innovation, integrity, and growth. Minimum Requirements: Currently pursuing a degree in Finance or a related field. Available to work 30-40 hours per week from May through August. Strong communication, organization, teamwork, and interpersonal skills. A proactive attitude and willingness to learn. Physical Requirements: Primarily office-based with extended computer use (up to 8 hours/day). Students must have housing arrangements in or near St. Louis, MO for the summer, as housing allowance is not provided. No unusual lifting, environmental, or exertion requirements. Essential Functions: Bring curiosity and a growth mindset to learning credit processes and financial systems. Reconcile customer accounts promptly to ensure accuracy and up-to-date records. Review and evaluate credit data-including bank/trade references, D&B reports, and financial statements-to support credit limit decisions. Proactively follow up with customers on past-due accounts using aging reports and maintain consistent communication. Communicate clearly and professionally across all channels with strong verbal and written skills. Leverage Microsoft Excel and Word to support credit analysis and reporting tasks. Collaborate across departments to support credit operations and contribute to team goals. Apply critical thinking and creativity to identify solutions and improve processes. Champion Carboline's commitment to safety and quality by adhering to all relevant policies and procedures. Who We Are: Carboline is a St. Louis-based coatings manufacturer with a global reach. The company, founded in 1947, produces high-quality performance coatings, linings, and fireproofing products in more than 20 manufacturing facilities around the world. Carboline has been ranked a top workplace, so culture and maintaining a safe and clean work environment is something we take very seriously. Carboline is part of RPM International Inc., a $7.6 billion, multinational company with subsidiaries that are world leaders in specialty coatings, sealants, building materials and related services. From homes and workplaces to infrastructure and precious landmarks, RPM's market-leading brands are trusted by consumers and professionals alike to help build a better world. If you want to be part of a growing global organization with opportunity for growth, we would like to meet you. What We Offer: We offer a team atmosphere that fosters cooperation and creativity; a management team committed to employee development and an environment where people are empowered to make decisions. Our career opportunities offer unlimited earnings potential, and our comprehensive benefits package is among the best in the industry which includes affordable benefits, a company match 401K plan and a retirement pension plan. Carboline is an Equal Opportunity Employer that values the strength diversity brings to the workplace. Individuals with Disabilities and Protected Veterans are encouraged to apply. “In order to be the best, we must hire the best.”

Summer 2026 Internship Opportunity! Title: Credit Intern Are you ready to kickstart your career with a company that's making a global impact? Carboline is looking for motivated, curious, and driven students to join our team for an unforgettable summer internship experience! This immersive 12-week program (Anticipated: May 18, 2026 - August 7, 2026), offers a unique opportunity to gain valuable experience, build lasting connections, and make a meaningful impact-all before heading back to campus. Jumpstart your career with a hands-on internship in our Credit Department at Corporate Headquarters. As a Credit Intern, you'll gain real-world experience through impactful summer projects, learning the ins and outs of credit operations while collaborating with experienced professionals. Along the way, you'll grow your network through mentorship, peer connections, and exposure to senior leadership-building both your industry knowledge and professional confidence. What You'll Gain: * Meaningful, hands-on experience working on impactful projects that contribute to Carboline's success. * Exposure to cross-functional collaboration and insight into how a global organization operates. * Professional development opportunities, including mentorship from experienced leaders. * A chance to enhance your skills and apply classroom knowledge in a real-world setting. * Participation in team-building activities and a workplace culture that values innovation, integrity, and growth. Minimum Requirements: * Currently pursuing a degree in Finance or a related field. * Available to work 30-40 hours per week from May through August. * Strong communication, organization, teamwork, and interpersonal skills. * A proactive attitude and willingness to learn. Physical Requirements: * Primarily office-based with extended computer use (up to 8 hours/day). * Students must have housing arrangements in or near St. Louis, MO for the summer, as housing allowance is not provided. * No unusual lifting, environmental, or exertion requirements. Essential Functions: * Bring curiosity and a growth mindset to learning credit processes and financial systems. * Reconcile customer accounts promptly to ensure accuracy and up-to-date records. * Review and evaluate credit data-including bank/trade references, D&B reports, and financial statements-to support credit limit decisions. * Proactively follow up with customers on past-due accounts using aging reports and maintain consistent communication. * Communicate clearly and professionally across all channels with strong verbal and written skills. * Leverage Microsoft Excel and Word to support credit analysis and reporting tasks. * Collaborate across departments to support credit operations and contribute to team goals. * Apply critical thinking and creativity to identify solutions and improve processes. * Champion Carboline's commitment to safety and quality by adhering to all relevant policies and procedures. Who We Are: Carboline is a St. Louis-based coatings manufacturer with a global reach. The company, founded in 1947, produces high-quality performance coatings, linings, and fireproofing products in more than 20 manufacturing facilities around the world. Carboline has been ranked a top workplace, so culture and maintaining a safe and clean work environment is something we take very seriously. Carboline is part of RPM International Inc., a $7.6 billion, multinational company with subsidiaries that are world leaders in specialty coatings, sealants, building materials and related services. From homes and workplaces to infrastructure and precious landmarks, RPM's market-leading brands are trusted by consumers and professionals alike to help build a better world. If you want to be part of a growing global organization with opportunity for growth, we would like to meet you. What We Offer: We offer a team atmosphere that fosters cooperation and creativity; a management team committed to employee development and an environment where people are empowered to make decisions. Our career opportunities offer unlimited earnings potential, and our comprehensive benefits package is among the best in the industry which includes affordable benefits, a company match 401K plan and a retirement pension plan. Carboline is an Equal Opportunity Employer that values the strength diversity brings to the workplace. Individuals with Disabilities and Protected Veterans are encouraged to apply. "In order to be the best, we must hire the best."