Credit analyst jobs in Millcreek, UT

Current Employees of LendingClub: Please apply via your internal Workday Account LendingClub Corporation (NYSE: LC) is the parent company of LendingClub Bank, National Association, Member FDIC. We are the leading digital marketplace bank in the U.S., having helped our nearly 5 million members secure over $90 billion in loans to refinance high-cost debt and achieve their financial goals. Members today have mobile-first access to a growing range of products and services designed to work seamlessly together to deliver value in new ways. Everyone deserves a better financial future, and our team is committed to making that a reality. Join the Club! About the Role Here at LendingClub, we take pride in helping our customers through our ethos of service: Lending Care. As leaders in the market, we seek individuals who are inspired by our vision and embody our values. By joining the Credit Team, you'll have the opportunity to help our members along the path to financial success. This is a non customer-facing role, but you will still be expected to provide an excellent customer experience by being proficient and efficient. In this role, you will verify customer identity and credit worthiness with integrity while following three simple principles: "Build a Relationship, Make It Easy, and Think Ahead." What You'll Do * Review personal loan applications with precision in a high-volume environment * Review and verify financial documents such as Tax Returns, Pay Stubs, W2s, Bank Statements and 1099s * Manage ambiguity in the application review * Interact with our cross functional departments to help with verification and decisioning member's applications. This includes identity, employment verification, financial standing, etc. * You will be expected to notate throughout each document review * Help us build upon our foundation of best of class service by achieving highly efficient and qualitative work Pay: $18.00/hr Start Date: We are looking to hire for February 23, 2025 Schedule (Subject to change): Monday - Friday. Schedules vary on business need, we are open from 6 AM - 6 PM About You * 1+ years of experience; experience in the consumer lending industry preferred * You think ahead and provide solutions that anticipate future needs * You are adaptable to new opportunities and process changes * You can translate feedback to actionable results * You have strong analytical, written & verbal communication skills * You are proficient in using computers and able to quickly navigate multiple programs, type with precision, and efficiently research/browse information * High school diploma or GED equivalent required Work Location Lehi, UT - MUST LIVE WITHIN 75 MILES OF OFFICE. We are currently working a hybrid schedule and our teams are in-office Tuesdays, Wednesdays & Thursdays. Working Conditions Required to be on the phones, work on a computer and at a desk for extended periods of time including viewing a screen, using a mouse, manipulating a keyboard and wearing a headset. Must be able to function effectively in a dynamic, fast-paced call center environment where natural and regular work stressors can occur. What Makes LC different: A great place to build your career We want you to learn and grow with us. Onboarding programs, on-the-job training, career-development sessions, and performance check-ins keep you on a path toward the next level. We celebrate individuality Individual perspectives and experiences make us and our business better-there is no "typical" LendingClub employee. We encourage everyone to voice their opinions while retaining the humility to listen and accept other viewpoints. Employee resource groups supporting female, LGBTQ+, Black, Asian, Latinx, Jewish, parent, and veteran team members offer more ways to feel connected and supported within our LendingClub community. You are worth it We want every employee to feel valued. One way we do that is through our generous compensation and benefits package, which includes: * Generous paid time off * 401(k) match up to 4% ($5,000 per year max) * Wellness program with cash incentives and more! Perks with purpose We also offer a wide range of onsite perks to help you get the most out of your day. * Onsite gym, locker room, showers and a bike room * Public Café in the building * Onsite barista for made to order coffee, smoothies and teas * Light-filled, colorful workspaces that encourage collaboration and innovation * Covered parking * Basketball courts and open field for sports activities * Healthy snacks and drinks Position ineligible for visa sponsorship. Check us out on social media! LendingClub LinkedIn #LI-SS1 #Hybrid #LCCR4 LendingClub is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system. We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at interviewaccommodations@lendingclub.com.

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we're changing the way people think about and interact with personal finance. We're a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we're at the forefront. We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The team SoFi's Credit team manages credit risk activities for our lending products (Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - including credit strategies/policies for new account origination and portfolio management, collections/recovery strategies and operations, and risk and operational data science and analytics. The team designs data-driven strategies to ensure the growth in lending is consistent with the company's risk appetite and helps create the products and experiences that put our members' interests first. The Senior Credit Manager will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi's lending products, including Personal Loan, Student Loan Refinance, Private Student Loan, and Credit Card. The initial focus of the role will be on Personal Loan but the candidate may get opportunities to work on other lending products in the future. The candidate will be responsible for independently developing and implementing Personal Loan underwriting strategies that meet our risk appetite, monitoring and analyzing the risk trends within the portfolio to provide insights and recommendations for strategy enhancement opportunities. She/he will be part of the Credit team with 1LOD responsibilities. The Senior Credit Manager will collaborate with cross-functional teams such as Business Units, Operations, Marketing, Finance, Capital Markets, Product, Engineering, Legal and Compliance. Use business acumen, credit experience and quantitative and analytical skills to drive revenue, control risk, and provide value to the company and consumers. The ideal candidate will possess a data-driven analytics background and the strategic acumen to direct a function that draws strategic insights from data using database and statistical analysis tools to inform decisions and support SoFi's overarching strategic goals relative to loss prevention and profit optimization. They bring new ways of thinking, data sources, technologies, and capabilities to SoFi. What you'll do: * Innovate… Bring your brightest ideas to build algorithmic risk strategies. This means you will architect credit underwriting, pre-screen targeting, and risk tier assignment. * Data Driven… Your deep analysis will power the future of lending with an optimal real-time data ecosystem - including multi-product internal, bureau, third-party, and alternative data sources and uses. * Iterate, learn, innovate… We are all responsible for innovation and must embrace a test-and-learn mentality and data-driven decision making. * Collaborate… Work collaboratively with business partners such as Business Units, Operations, Marketing, Finance, Legal and Compliance to deliver successful business results. Partner closely with implementation teams to accurately drive new strategies to production. * Control the Risk and Drive Performance Outcomes … Understand credit risk and develop approaches to mitigate loss and responsibly grow revenue. Monitor the performance of strategies and portfolios. Document and communicate results and escalate issues as necessary. Identify gaps/opportunities and drive actions. * Challenge the Status Quo … Challenge others, continuously raise the bar, build better processes and attack hard problems to help us build the best products in the industry. * Grow, Grow, Grow!… Be inspired by dynamic leaders and our rapidly growing business. We want YOU to be an inspired leader of tomorrow, so we are recruiting the best, brightest, and passionately quantitative team members. What you'll need: * 7+ years of related experience * Business acumen and work experience in the consumer lending business (loans or credit cards) * Direct experience in the credit strategy analytical life cycle, including strategy and decision tree development, P&L, presentation, implementation validation, and post-implementation monitoring * Proven analytical skills in conducting sophisticated analysis using customer performance data, bureau attributes, and other 3rd party variables to solve business problems * Proficient data exploration and credit modeling skills in Excel, SQL and Python * A demonstrated ability to synthesize and communicate analysis to business partners and senior management * Results-driven, eager to learn, and able to work collaboratively in a fluid environment * Knowledge/skills in analytical and modeling techniques such as decision trees, regression, logistic regression, test design * Preferred: 7+ years of personal loan credit risk experience * Preferred: Experience in developing credit strategies using innovative data sources such as cash flow or alternative data * Preferred: Advanced degree (Master's or PhD) with a quantitative major such as Statistics, Mathematics, Engineering, or Computer Science Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate's experience, skills, and location. To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page! Pay range: $172,800.00 - $297,000.00 Payment frequency: Annual This role is also eligible for a bonus, long term incentives and competitive benefits. More information about our employee benefits can be found in the link above. SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law. The Company hires the best qualified candidate for the job, without regard to protected characteristics. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. New York applicants: Notice of Employee Rights SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com. Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time. Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

Maximize collection of accounts receivable while maintaining customer goodwill. QUALIFICATIONS 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. ESSENTIAL FUNCTIONS Reviews aging reports on accounts receivable to determine appropriate collection efforts. Receives detailed information stored in computer regarding outstanding invoices and credits. Reconciles customer accounts. Investigates and resolves short payments and disputed charges. Creates extended payment contracts as approved by Credit Manager. Handles all small claims proceedings including filing and follow up. Seeks input from other departments when necessary. Discusses initial customers contact strategy with supervisor based on retrieved facts. Initiate written and phone communication with customer. Explains terms and provisions on both open accounts and contracts. Advises supervisor of additional action required (i.e., legal) on a case specific basis. Collects delinquent accounts Evaluates customer records and makes recommendations on customer accounts by viewing for extending credit limit, pursuing other collection actions based on payment history and purchase activity of customer or confers with representatives of credit associations and other businesses to exchange information concerning credit ratings and forwarding addresses. Interviews customers in person or by telephone to investigate complaints, or to correct errors in accounts. Other duties may be assigned. POSITION SUMMARY Maximize collection of accounts receivable while maintaining customer goodwill. QUALIFICATIONS 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. ESSENTIAL FUNCTIONS Reviews aging reports on accounts receivable to determine appropriate collection efforts. Receives detailed information stored in computer regarding outstanding invoices and credits. Reconciles customer accounts. Investigates and resolves short payments and disputed charges. Creates extended payment contracts as approved by Credit Manager. Handles all small claims proceedings including filing and follow up. Seeks input from other departments when necessary. Discusses initial customers contact strategy with supervisor based on retrieved facts. Initiate written and phone communication with customer. Explains terms and provisions on both open accounts and contracts. Advises supervisor of additional action required (i.e., legal) on a case specific basis. Collects delinquent accounts Evaluates customer records and makes recommendations on customer accounts by viewing for extending credit limit, pursuing other collection actions based on payment history and purchase activity of customer or confers with representatives of credit associations and other businesses to exchange information concerning credit ratings and forwarding addresses. Interviews customers in person or by telephone to investigate complaints, or to correct errors in accounts. Other duties may be assigned. QUALIFICATIONS Accountability - Ability to accept responsibility and account for his/her actions. Accurate - Ability to perform work accurately and thoroughly. Analytical Skills - Ability to use thinking and reasoning to solve a problem. Assertiveness - Ability to act in a self-confident manner to facilitate completion of a work assignment or to defend a position or idea. Customer Oriented - Ability to take care of the customers' needs while following company procedures. Detail Oriented - Ability to pay attention to the minute details of a project or task. Organized - Possessing the trait of being organized or following a systematic method of performing a task. Problem Solving - Ability to find a solution for or to deal proactively with work-related problems. EDUCATION AND/OR EXPERIENCE High school graduate or General Education Degree (GED). Three to five years related experience and/or training, or equivalent combination of education and experience. Proficient at Microsoft Word, Excel and Proprietary Time Value software. SKILLS & ABILITIES Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs. Ability to apply common sense understanding to carry out instructions furnished in written, or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations. CERTIFICATES, LICENSES, REGISTRATIONS Must have a valid California driver's license and clean DMV report. OTHER SKILLS AND ABILITIES Ability to calculate figures and amounts such as discounts, interest and percentages. Ability to apply concepts of basic algebra. Ability to read, analyze, and interpret general business periodicals, technical procedures, or governmental regulations. Ability to write reports and business correspondence. Ability effectively present information and respond to questions from managers, clients, customers and general public. 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: Use hands and fingers to handle and feel objects, tools, controls and to reach with hands and arms. The employee is also regularly required to talk and hear. The employee is occasionally required to stand, walk, and sit. The employee must regularly lift and/or move up to 10 pounds, frequently lift and/or move up to 50 pounds. WORK ENVIRONMENT Employee will regularly work near moving mechanical parts and occasionally work in outside weather conditions and exposed to wet and/or humid conditions. The noise level in the work environment is usually loud. Skills & Requirements QUALIFICATIONS Accountability - Ability to accept responsibility and account for his/her actions. Accurate - Ability to perform work accurately and thoroughly. Analytical Skills - Ability to use thinking and reasoning to solve a problem. Assertiveness - Ability to act in a self-confident manner to facilitate completion of a work assignment or to defend a position or idea. Customer Oriented - Ability to take care of the customers' needs while following company procedures. Detail Oriented - Ability to pay attention to the minute details of a project or task. Organized - Possessing the trait of being organized or following a systematic method of performing a task. Problem Solving - Ability to find a solution for or to deal proactively with work-related problems. EDUCATION AND/OR EXPERIENCE High school graduate or General Education Degree (GED). Three to five years related experience and/or training, or equivalent combination of education and experience. Proficient at Microsoft Word, Excel and Proprietary Time Value software. SKILLS & ABILITIES Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs. Ability to apply common sense understanding to carry out instructions furnished in written, or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations. CERTIFICATES, LICENSES, REGISTRATIONS Must have a valid California driver's license and clean DMV report. OTHER SKILLS AND ABILITIES Ability to calculate figures and amounts such as discounts, interest and percentages. Ability to apply concepts of basic algebra. Ability to read, analyze, and interpret general business periodicals, technical procedures, or governmental regulations. Ability to write reports and business correspondence. Ability effectively present information and respond to questions from managers, clients, customers and general public. 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: Use hands and fingers to handle and feel objects, tools, controls and to reach with hands and arms. The employee is also regularly required to talk and hear. The employee is occasionally required to stand, walk, and sit. The employee must regularly lift and/or move up to 10 pounds, frequently lift and/or move up to 50 pounds. WORK ENVIRONMENT Employee will regularly work near moving mechanical parts and occasionally work in outside weather conditions and exposed to wet and/or humid conditions. The noise level in the work environment is usually loud.

WebBank WebBank (the "Bank") is a Utah chartered Industrial Bank headquartered in Salt Lake City, Utah. As "The Bank Behind the Brand", WebBank is a national issuer of consumer and small business credit products through Strategic Partner (Brand) platforms, which include retailers, manufacturers, finance companies, software as a service (SaaS), and financial technology (FinTech) companies. The Bank is a leading player in the digital lending space, driving innovation in financial products through embedded finance with Strategic Partner platforms. WebBank engages in a full range of banking activities, including consumer and commercial loan products, revolving lines of credit, credit cards, private-label card issuance, auto-refinancing, and more. The Bank provides capital in the form of asset-backed lending and other credit facilities to Strategic Partner platforms, credit funds, and other lenders with a targeted focus on specialty finance assets. The Bank is also a leading provider of commercial insurance premium finance products through its wholly owned subsidiary, National Partners. Job Summary As a Credit & Counterparty Risk Analyst, you will work closely with the Bank's Executive Management, Strategic Partners, Credit Risk, Due Diligence and Implementation, Lender Finance, and Partner Finance teams, reporting to the Credit & Counterparty Risk Manager. The position will be primarily responsible for the financial analysis and risk assessment of the Bank's Strategic Partners (SPs) and Lender Finance Credit Administration. Primary Responsibilities You Will: * Partner with senior executives at our SPs to develop a comprehensive view of business performance and financial reporting, with emphasis on cash flow, funding strategy, and capital markets activity, and translate these insights into forward-looking risk assessments used across multiple levels of the Bank * Conduct initial and ongoing due diligence for prospective SPs, including negotiating and testing financial covenants * Support Lender Finance and Partner Finance with Credit Admin review of underwriting and assist with loan documentation * Assist in the review and coordination of legal documentation with internal and external counsel * Actively monitor covenants, borrowing base reports, and approve draw requests for ABLs * Assist in conducting independent loan reviews for ABLs and other commercial credits, including recommendations for risk ratings * assessing the overall financial condition of the SPs assigned to you, based on an evaluation of the company's financial statements, credit facility documentation, and interactions with company senior management * Work collaboratively to ensure compliance with the Bank's internal credit policies * Assist in the Bank's capital stress test and capital analysis Company Perks: You Get: * Paid Time Off (PTO)- Generous paid time off plus paid parental leave * Health insurance - Plans include an employer-paid medical option, dental and vision coverage, plus we offer health savings accounts * 401(k)- WebBank matches up to the first 6 percent of employee contributions and both the employee's contributions and WebBank's match are fully vested immediately * Life and Disability Insurance- Life insurance and long and short-term disability insurance plans are 100% employer-paid * Tuition Reimbursement - WebBank provides reimbursement for classes needed to obtain certain degrees, up to $5,250 per academic year Qualifications You Have: * Minimum of a bachelor's degree in Finance, Accounting, or related field, or equivalent work experience * Experience in credit analysis, financial analysis, underwriting, or a closely related role, preferably with exposure to asset-based lending * Satisfactory understanding of accounting practices * Experience with loan portfolio management and risk monitoring * Must have an interest in banking, fintech, structured finance, and capital markets * Proficiency in Microsoft Excel * Must have excellent verbal communication and be able to present to Bank and partner executives on technical, financial-related topics, and assist in negotiating financial covenants * Strong written communication skills that can clearly summarize complex financial topics Even Better: * Master's degree in Finance related major or a major with a strong quantitative emphasis * 1+ year professional experience as a portfolio manager assessing the financial condition of a variety of companies * 1+ year experience evaluating the quality of borrowing base reports, testing financial and portfolio covenant compliance, and approving draw requests * Prior experience in structured finance * CFA, CRC, CAIA, FRM designation or candidacy

Headquartered in Salt Lake City, Utah, VFI Corporate Finance, Inc. (“VFI” or the “Company”) is a leading direct commercial finance lender for Middle Market to Fortune 500 companies. The Company has an experienced and proven management team with over a combined century of experience. VFI finances critical use assets for lessees across a wide variety of industries. VFI has a diversified portfolio in both equipment and geographic locations. VFI is currently hiring an experienced Credit Analyst to join our Salt Lake City team. Job Description: Analyze financial statements and other financial information in order to understand a customer's risk profile and to present that analysis to VFI's Credit Committee. The focus of the analysis will be to provide VFI's Credit Committee with an accurate and data-based presentation on a customer's history, its profitability, solvency, stability, liquidity and ultimately, their ability to repay their obligations to VFI. This requires: Spreading financial statements in Excel Understanding customer's business model and industry Incorporating budgets and forecasts into the spreads and comparing them with actual results when appropriate Using third party sources to augment information provided by customer including ratings reports, news articles, press releases, SEC filings, industry data, and so forth Understanding the economics of pending transactions Understanding VFI's collateral and how such collateral supports a transaction Identifying customer specific risks and understand how they might impact the overall credit risk to VFI Identify specific areas of potential fraud Collaborate with members of the Credit Department to manage workflow and ensure timely turnaround of submitted requests Interact with other departments to gather information and ensure credit decisions and guidelines are communicated effectively and accurately Qualifications: Must have solid understanding of financial statements and the ability to consolidate and analyze financial data including: budgets, financial statements, forecasts and financial ratios Informed of current financial subjects including accounting, tax laws, corporate lending and general business organization Outstanding communication and presentation skills are critically important Strong interpersonal and customer relationship skills Detail oriented with the ability to manage multiple assignments simultaneously and meet deadlines Highly proficient in MS Office products, particularly Excel Familiarity with CRM software (e.g., Salesforce) Education and Experience: Bachelor's degree (or higher) in Finance, Accounting, Economics, or another business-related field Three to five years of prior experience as a Credit or Financial Analyst

The Risk Division is a team of specialists charged with managing the firm's credit, market, liquidity, operational and insurance risk. Whether assessing the creditworthiness of the firm's counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm's success. The division is ideal for collaborative individuals who have strong ethics and attention to detail. Department Overview: Credit Risk (CR) is responsible for managing the firm's credit exposure to its trading and lending counterparties. Leveraging its extensive expertise in financial, credit and risk analysis, CR ensures that credit exposure to our counterparties is managed within the firm's risk appetite. Staffed with more than 270 professionals, CR operates through 12 different offices around the world and credit professionals work closely with many areas of the firm. Given this structure, CR professionals gain diverse financial experience and a broad perspective on how the entire firm functions. The interaction with numerous departments and the range of projects that ensue allow for a challenging, varied and multi-dimensional work environment. Responsibilities: * Assess the financial strength of hedge funds by performing fundamental counterparty analysis. Interpret quantitative and qualitative factors drawn from fund's risk reports, portfolio analysis, and client calls * Evaluate derivatives and financing transactions across Global Banking & Markets clients. Review and approve risk in a fast-paced environment while ensuring appropriate mitigants in place to minimize losses in event of counterparty default. Assess risk of transactions through reviews of quantitative models, portfolio analysis, stress testing, and other methods * Perform counterparty reviews, including recommending appropriate internal risk rating for each counterparty and setting credit limits Basic Qualifications: * Excellent academic record * 0-3 years of experience in a finance, markets, or risk role * Significant knowledge of capital markets, including derivatives and/or repo * Demonstrable track record of achievement and independent decision making * Excellent attention to detail. Strong analytical and communication skills Competencies: * Functional Expertise and Technical Skills - Knowledge of financial markets and portfolio risk management. Appropriate financial/analytical skills * Client and Business Focus - Builds trusting, long-term relationships with clients, helps the client to identify/define needs, and manages client/business expectations * Teamwork - Strong team player, works well under pressure, and collaborates with others across teams and business units * Communication Skills - Communicates in a clear and concise manner, shares information/new ideas with peer group and team, and escalates as appropriate * Judgment and Problem Solving - Thinks ahead, anticipates questions, plans for contingencies, finds alternative solutions, and identifies clear objectives. Sees the big picture and effectively analyzes complex issues * Creativity and Influence - Looks for new ways to improve current processes and develop creative solutions with practical value * Continuous Development - Values constant self-improvement and learning

Did you know that Zions Bancorporation is one of the nation's premier financial services companies with total assets exceeding $80 billion? With local management teams at the helm in 11 western states, Zions is dedicated to making a difference in their local communities. At Zions, we haven't forgotten who keeps us in business, meaning we're committed to the success of our customers, and our employees. Here, the possibilities are endless - come for a job, stay for a career. We are currently seeking a Consumer & Small Business Credit Risk Analys t to join our team. This is a full time in office role located in Salt Lake City, UT at Zions Bancorporation Headquarters. We want to talk to you! · Responsible for minimizing credit and operating losses and other risk exposures. · Responsible for performing complex credit risk analysis to maximize profits and asset growth. · Provides analytical support segmenting and monitoring credit, concentration limits, etc.. · Makes strategic recommendations to senior management based on analytical insights. · May develop complex programming models to extract and manipulate databases to provide statistical and financial modeling. · Develop and maintain reports. · Other duties as assigned. Job Qualifications · Requires a Bachelor's in statistics, mathematics, economics, or related field · 1 to 2 years statistical programming experience, preferably in SAS and/or SQL · 0-2 years with databases, risk analysis, statistical modeling and general lending or other directly related experience · 0-2 years reporting experience preferably with a financial service institution · Ability to summarize data and statistical results to all levels of management a plus · A combination of education and experience may meet qualifications · Employs advanced knowledge as a generalist or specialist of risk assessment, spreadsheets, databases, statistical software and pc's · Must have strong analytical ability, customer service, and communication, both verbal and written · A team player with experience working in a team environment and strong ability to manage relationships with other departments and vendors Benefits: · Medical, Dental and Vision Insurance - START DAY ONE! · Life and Disability Insurance, Paid Parental Leave and Adoption Assistance · Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts · Paid Training, Paid Time Off (PTO) and Paid Federal Holidays, and any applicable state holidays · 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience · Mental health benefits including coaching and therapy sessions · Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire · Employee Ambassador preferred banking products

Spokane, Washington residents: If a street address is not available, enter N/A when completing a job application. 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 and enabling the communities we support to grow and succeed. 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 at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One. **Job Description** Manages a staff of professional Credit Analysts who are responsible for determining what information is necessary for performing a credit quality analysis and gathering, analyzing and interpreting that information. May involve analyzing either an existing loan portfolio or a prospective loan in order to maximize credit quality and minimize risk and potential losses. Acts as a consultant in the area of credit quality analysis and develops and communicates a consistent way of evaluating credit quality within the organization. Manages the design, development and implementation of computer systems used for managing credit information and analyzing credit data. Basic Qualifications - Bachelor's degree, or equivalent work experience - Eight to 10 years of relevant experience Preferred Skills/Experience - Thorough knowledge of credit, accounting, credit policy and financial statement analysis - Proficient analytical skills related to reviewing various forms of asset collateral documentation - Well-developed ability to analyze credit decisions, including consumer, commercial, real estate and international finance - Strong management, organizational and leadership skills - Effective interpersonal and verbal and written communication skills - Two to four years of leadership experience 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: $98,175.00 - $115,500.00 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.**

Summer Internship (June August 2026) GRADE: 6 $23.00/hr RESPONSIBILITY: The successful applicant will gain experience in all areas of the Association including Credit, Loan Documentation, Appraisal and Marketing. Duties may include: Analyzing and processing mortgage and commercial loans, proper loan structure and documentation, updating Association Commodity Studies, coordinating Customer Appreciation BBQs and/or trade shows, completing collateral inspections and real estate appraisals and other duties as assigned. EXPERIENCE: Applicant must have a basic understanding of production agriculture and be enrolled in college and in good standing. Prefer applicant with minimum of 3 years college education. Applicant must have ability to interact effectively and work well with people at all levels and to convey ideas clearly as well as skills in planning and organization. Must be a self motivator with a good work ethic. Ability to exercise initiative and judgment. Mobility on unimproved properties and ability to lift 40 pounds or more required. Some travel required in performance of job. GENERAL DATA: For over 95 years, the Association has been providing agricultural lending services to commercial and mortgage borrowers in Utah and portions of Wyoming, Nevada and Arizona. FINAL FILING DATE: Applications will be accepted until the position is filled. If you have any questions or need additional information please call **************. Date: September 29, 2025 EEO/AA Employer M/F/V/D

The Loan Servicing Analyst I consist of administrative and customer service responsibilities. The Loan Servicing Analyst I is required to convey an image of professionalism, efficiency, and competence as a member of the Celtic Bank team. This role is expected to deliver exceptional customer service via inbound phone calls and emails by satisfying customer questions and requests. The Loan Servicing Analyst I will be responsible for ensuring compliance with Celtic Bank General Policies as well as state and federal regulations. Essential Job Functions Provide superior customer service with timely responses and accurate information. Receive and respond to all incoming customer service-related matters, some examples of which may include balance inquiries and payment history; documentation requests; address changes; calculation of payoff quotes or amortization schedules; creation of memorandums and inter-departmental communication. Attend trainings to learn policies, procedures, loan products and types. Gain an understanding of the SBA, Celtic Bank departments, and SBA lending. Review, organize, and distribute all departmental mail including mail for service contractors and sponsors. Ability to maintain a great attitude and professional disposition with both internal and external parties, especially while handling deadlines, delays, and setbacks. Perform other duties as assigned. Requirements Previous office experience and/or banking experience is strongly preferred. Detail oriented with the ability to communicate effectively with customers via phone and email. Outgoing personality with the ability to properly resolve customer concerns. Technical skills - including but not limited to Microsoft Office, internet, and SharePoint/OneDrive. Ability to learn quickly, adapt to new processes, and work in a collaborative environment. Ability to establish and maintain effective work relationships. Undergraduate degree preferred, but not required. Benefits Medical, dental, vision 401(k) with employer match Life and long-term disability coverage HSA and FSA plans Holidays and paid time off requests Robust wellness program (we're talking catered meals three times a week, lunch and learns, and onsite gym!) Headquartered in the heart of downtown Salt Lake City, Utah, Celtic Bank was named a top SBA lender in the nation in 2024! Celtic Bank is a leading nationwide lender specializing in SBA 7(a), SBA 504, USDA B&I, express loans, asset-based loans, commercial real estate loans and commercial construction loans. Celtic Bank is an equal opportunity employer and complies with all applicable federal, state and local fair employment practices laws. Physical and Other Requirements This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. The demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Stationary Work: The employee is frequently required to stand; walk; use hands to type, handle documents, and perform other office related duties. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Mobility: The employee in this position needs to occasionally move between work sites and inside the office to access file cabinets, office machinery, etc. Communicate: The employee is regularly required to talk or hear and will frequently communicate with others. Must be able to read, write and understand fluent English. Work Model: The employee in this position will work either a fully Onsite, or Hybrid work model. All employees, regardless of location, may be required to travel to the Salt Lake City office for mandatory company meetings, events, or related occasions. Utah-based employees: Hybrid work schedule available after initial training period in our Salt Lake City, Utah office - department and job requirements will determine eligibility.

Job Description Are you passionate about Business Banking and embody the values of credit unions? Are you seeking a career with a respected financial institution that offers camaraderie, professional growth, and advancement opportunities? If so, keep reading! At Cyprus Credit Union, we believe our future is as bright as our team. To attract and retain top talent, we offer competitive pay, comprehensive benefits, opportunities for advancement, career development resources, and a balanced work-hard/play-hard culture. We value diversity, community volunteering, and reducing our carbon footprint. Compensation and Benefits As a Business Banking Officer, you will receive competitive pay based on experience and qualifications, with opportunities for bonuses and incentives. We offer comprehensive benefits to both part-time and full-time employees, including: Health, dental, life, and vision insurance plans 401(k) and retirement savings plan 12 paid holidays Paid day off for your birthday PTO starting from day one Additional PTO for community volunteering Competitive tuition reimbursement Cyprus Credit Union was named one of the BEST credit unions to work for from 2020-2024 due to our "Most Loved" atmosphere. Position Purpose Business Banking Officers are responsible for providing comprehensive financial solutions to small businesses within our footprint, focusing on acquiring new business relationships for their assigned branches. They also deepen and retain existing relationships, actively pursue new business opportunities, and grow the profitability of our small business program. Results consist of acquiring, expanding, and retaining business relationships with a focus on deposit, treasury, and business lending growth. This is primarily an outside sales role, requiring active engagement with the local business community. Essential Functions and Responsibilities Daily Tasks Identify and source new business members through outbound calling, business visits, inbound calls, and email. Maintain regular contact with business members within the portfolio. Respond to member requests. Conduct thorough interviews to determine member needs. Recommend a package of products/services that fulfill those needs. Fulfill member requests for additional products and services. Refer members to business partners as needed. Educate business members and employees on small business lending solutions, business credit cards, deposit accounts, treasury and cash management solutions, digital banking solutions, and consumer product referrals. Coordinate activities with branches and related departments, obtaining or conveying information as needed. Keep management informed of area activities and significant problems. Answer inbound phone calls from business members and employees. Assist members with servicing issues such as payment discrepancies, fees, and late payments. Cooperate with other employees to ensure member requests are handled efficiently. Weekly Tasks Collaborate with assigned branches and branch employees to build referral sources. Work with assigned business chambers to identify business prospects and support local businesses. Develop centers of influence and networks to create additional referral sources. Conduct regular follow-up calls with business members. Provide support and training to branches on business services. Assist and support Business Services personnel as needed. Prepare account applications and other documentation for member signatures, if applicable. Look for ways to perform duties more efficiently. Monthly Tasks Identify and attend marketing events that complement or serve the industry or product niches of the portfolio. Review and evaluate set goals for production and cross-selling, making adjustments as needed. Review and update the knowledge base on all product offerings to ensure the latest information is provided to members and employees. Attend and participate in meetings as required. Provide detailed reports to management on area activities and significant problems. Complete special projects as assigned. Qualifications Skills/Abilities: Accurate and attentive to detail Well organized Strong typing abilities Ability to assist others Proficient with basic business equipment (computer, adding machine, copy machine) Strong sales ability and understanding of sales process Experience: 2 to 5 years' experience in a financial institution, preferably working with small businesses Knowledge: Basic knowledge of business account services and procedures Familiarity with business loan programs and service requirements Familiarity with general loan documentation Education/Certification: High school graduate or equivalent Associate's or Bachelor's degree in Finance, Accounting, Business, or a related field preferred Join us at Cyprus Credit Union and grow your career with us! Apply now!

Collections Analyst Draper, UT Collections Analyst, Collection, eCommerce, Payments, Financial Service Experience level: Mid-senior Experience required: 2 Years Education level: All education level Job function: Finance Industry: Financial Services Pay rate : View hourly payrate Total position: 1 Relocation assistance: No Visa sponsorship eligibility: No Only local candidates can apply for this role. Job Description: As part of Collections team, this role will support the collections team in the execution and delivery of the team's strategic and operational initiatives. The collections team is responsible for the end-to-end collections process across all and includes reviewing each account to determine the best way to approach the client, then executing their plan to bring in the maximum amount of revenue. The ideal candidate brings collections knowledge and experience, possesses a customer centric mindset, and can contribute strongly individually and as part of a small but high performing team to optimize collection efforts and deliver on critical financial targets. Wed love to chat if you have: 1-2+ years of direct collections experience preferably in ecommerce, payments, financial service or a similar industry Has proven ability to learn, adapt and train new processes and procedures Logical and rational thinker with demonstrated data analysis and investigative skills Possesses excellent organizational and time management skills - must have ability to prioritize and balance multiple tasks simultaneously Nice Have's: Knowledge of payment processing methods including ACH, check, digital wallet, international payments, virtual and credit cards A degree in Accounting, Finance, or Operations Management is a plus. Hiring Manager Notes: In office Mon/Tues/Thurs. Hybrid Contractors must be local to Draper Headquarters (13707 S. 200 W., Draper, UT 84020) Starts off as 5-month assignment has the potential to extend (based on business need and performance) Interviews will be via Zoom. MUST HAVE: 1-2+ years of direct collections experience preferably in ecommerce, payments, financial service or a similar industry. Possesses excellent organizational and time management skills - must have ability to prioritize and balance multiple tasks simultaneously.

About Us At Better Being Co. we empower and inspire individuals to feel better and live healthier lives by providing the most trustworthy, pure, and innovative natural wellness solutions. If you thrive in a challenging work environment, surrounded by incredible team members who will help you grow and do your best work, Better Being is the right place for you. Come build with us and be part of an award-winning company that's helping create meaningful and lasting change in the healthcare industry. Job Summary Better Being Co. is looking for a Credit & Collections Specialist to manage customer accounts, ensure timely responses to credit requests and inquiries, and maintain accuracy in line with company policies. This role handles delinquent accounts, resolves discrepancies and disputes, and works closely with customers and internal teams to ensure efficient collections and account accuracy. Essential Functions Ensure timely responses to credit requests and inquiries. Assure accuracy and adherence to company policies. Develop a strong understanding of our products, supply chain, customers, accounting procedures and pricing. Develop a strong working relationship with various business partners including sales team, customer service, finance, distribution and operations. Reviews status of delinquent accounts and initiates collection action by contacting each account according to due date. Prepares correspondence on delinquent accounts requiring special handling. Research disputed account balances. Corrects any errors, including misapplied payments. Work with Customers via email or phone to resolve discrepancies and disputes. Additional Responsibilities Required to demonstrate competency on all essential job functions of the department. Support of and involvement in company, department, and/or safety policies, procedures, programs, and activities. Maintain a clean and orderly work area. Ensure a high level of accuracy and adherence to established KPI's. Review processes and provide recommendations for improvements to drive more efficiency. Job Qualifications Previous accounting/AR/Collections or Customer Service experience required. Must have knowledge of a variety of computer software applications in spreadsheets, word processing, and database software. Understanding of Electronic Data Interface (EDI) preferred. Ability to read and interpret documents and general business documents. Ability to write reports and business correspondence. Good verbal and written communication skills are necessary. Ability to calculate figures and amounts such as discounts, interest, and percentages. Knowledge of internal controls.\ Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Physical Requirements While performing the duties of this job, the employee is occasionally required to sit; and talk or hear. The employee must exert up to ten lbs. of force occasionally, and/or up to five lbs. of force frequently, and/or a negligible amount of force constantly to move objects. Specific vision abilities required by this job include near acuity, far acuity, depth perception, accommodation, color vision, and field of vision. Our Benefits Join our team and enjoy a comprehensive package of competitive benefits and perks designed to support your well-being and professional growth. Our offerings include: Access to our Employee Health Clinic for your medical needs. Comprehensive Medical, Dental, and Vision Insurance coverage. Participation in our Family First Program, emphasizing work-life balance. 401(K) plan with generous employer match to help you plan for the future. Educational Reimbursement opportunities to support your continued learning and development. Wellness Incentives to promote a healthy lifestyle. Substantial product discounts, because we value our team members as customers too. Generous Paid Time Off and Paid Holidays, ensuring you have time to rest and recharge. For more information, check out our website Better Being Careers and join us in experiencing a workplace where your well-being and success are our top priorities. This description is not intended to be an exhaustive list of responsibilities and qualifications. The position, duties, and qualifications are subject to change at any time. We provide equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Headquartered in Salt Lake City, Utah, VFI Corporate Finance, Inc. (“VFI” or the “Company”) is a leading direct commercial finance lender for Middle Market to Fortune 500 companies. The Company has an experienced and proven management team with over a combined century of experience. VFI finances critical use assets for lessees across a wide variety of industries. VFI has a diversified portfolio in both equipment and geographic locations. VFI is currently hiring an experienced Credit Analyst to join our Salt Lake City team. Job Description: Analyze financial statements and other financial information in order to understand a customer's risk profile and to present that analysis to VFI's Credit Committee. The focus of the analysis will be to provide VFI's Credit Committee with an accurate and data-based presentation on a customer's history, its profitability, solvency, stability, liquidity and ultimately, their ability to repay their obligations to VFI. This requires: Spreading financial statements in Excel Understanding customer's business model and industry Incorporating budgets and forecasts into the spreads and comparing them with actual results when appropriate Using third party sources to augment information provided by customer including ratings reports, news articles, press releases, SEC filings, industry data, and so forth Understanding the economics of pending transactions Understanding VFI's collateral and how such collateral supports a transaction Identifying customer specific risks and understand how they might impact the overall credit risk to VFI Identify specific areas of potential fraud Collaborate with members of the Credit Department to manage workflow and ensure timely turnaround of submitted requests Interact with other departments to gather information and ensure credit decisions and guidelines are communicated effectively and accurately Qualifications: Must have solid understanding of financial statements and the ability to consolidate and analyze financial data including: budgets, financial statements, forecasts and financial ratios Informed of current financial subjects including accounting, tax laws, corporate lending and general business organization Outstanding communication and presentation skills are critically important Strong interpersonal and customer relationship skills Detail oriented with the ability to manage multiple assignments simultaneously and meet deadlines Highly proficient in MS Office products, particularly Excel Familiarity with CRM software (e.g., Salesforce) Education and Experience: Bachelor's degree (or higher) in Finance, Accounting, Economics, or another business-related field Three to five years of prior experience as a Credit or Financial Analyst

Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers. With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity. You have the drive, ambition and skills and we want to give you the opportunity. Zions Bancorporation is full of people just like you who share the same values and work ethic. Our diverse workforce offers endless opportunities to expand your skills and gain valuable experience that will help you advance your career. Let's talk about how we can help one another succeed. We have just opened an opportunity for a Municipal Credit Analyst to join our team based in our downtown Salt Lake City offices. This person will participate in a broad variety of functions in the Municipal Portfolio Group. Partnering with relationship managers we work to identify opportunities for new investments in municipal credit that provide a solid return for the bank portfolio. This position is also responsible for monitoring a portfolio of credits and updating risk grades as appropriate to ensure risk is being appropriately accounted for and adequate reserves are held. We are looking for an ambitious and energetic individual to join our team. The ideal candidate will have the skills and experience to: * Research and analyze municipal credits for purchase by the Bancorporation. * Provide recommendations for potential investment/lending opportunities. * Become familiar with a broad range of municipal sectors including tax and revenue backed credits. * Produce written memorandums outlining quantitative and qualitative analysis of the strengths and weaknesses of each opportunity. * Monitor investments on an ongoing basis to determine risk grade for each investment and overall suitability for the portfolio. * Work with other analysts to support team and department objectives. * Interface with relationship managers and other internal and external partners. * Contribute to the creation of financial models for the assessment of credit risk. and the valuation of portfolio securities. * Other duties as assigned. Qualifications * Bachelor's degree in business administration, finance, statistics, mathematics, economics or related field is valuable but an analytical mindset is preferred. * 0-2 years' experience as a financial analyst preferably with a related financial services industry. * Strong attention to detail. * Ability to work both independently and as part of a team in making appropriate decisions on credits. * Basic knowledge of municipal credit markets. * Interpersonal, organization, time management, and problem-solving skills. * Technical writing and verbal communication skills. * PC skills in Microsoft Word and Excel. * Ability to work with other team members and management. * Ability to build strong relationships within the group. * Capable of working with a fair degree of autonomy and initiative. Located in the heart of downtown Salt Lake City, the Zions Bank Building serves as the headquarters of both Zions Bancorporation and Zions Bank. The building sits adjacent to City Creek Center, a world-class shopping and dining destination with more than 100 stores and restaurants. The Zions Bank Building stands tall among Salt Lake City's central business district, providing hundreds of team members with an exceptional work environment and features such as: * Easy access to the City Creek UTA TRAX station, as well as various electric vehicle charging stations in most City Creek area garages; * An employee-only fitness center and bike storage; * An employee lounge, kitchen, micro market, game tables, couches and TVs; * Private mothers' rooms and lockers; and * Access to downtown shopping, dining, arts and entertainment.

Job Description The Loan Servicing Analyst I consist of administrative and customer service responsibilities. The Loan Servicing Analyst I is required to convey an image of professionalism, efficiency, and competence as a member of the Celtic Bank team. This role is expected to deliver exceptional customer service via inbound phone calls and emails by satisfying customer questions and requests. The Loan Servicing Analyst I will be responsible for ensuring compliance with Celtic Bank General Policies as well as state and federal regulations. Essential Job Functions Provide superior customer service with timely responses and accurate information. Receive and respond to all incoming customer service-related matters, some examples of which may include balance inquiries and payment history; documentation requests; address changes; calculation of payoff quotes or amortization schedules; creation of memorandums and inter-departmental communication. Attend trainings to learn policies, procedures, loan products and types. Gain an understanding of the SBA, Celtic Bank departments, and SBA lending. Review, organize, and distribute all departmental mail including mail for service contractors and sponsors. Ability to maintain a great attitude and professional disposition with both internal and external parties, especially while handling deadlines, delays, and setbacks. Perform other duties as assigned. Requirements Previous office experience and/or banking experience is strongly preferred. Detail oriented with the ability to communicate effectively with customers via phone and email. Outgoing personality with the ability to properly resolve customer concerns. Technical skills - including but not limited to Microsoft Office, internet, and SharePoint/OneDrive. Ability to learn quickly, adapt to new processes, and work in a collaborative environment. Ability to establish and maintain effective work relationships. Undergraduate degree preferred, but not required. Benefits Medical, dental, vision 401(k) with employer match Life and long-term disability coverage HSA and FSA plans Holidays and paid time off requests Robust wellness program (we're talking catered meals three times a week, lunch and learns, and onsite gym!) Headquartered in the heart of downtown Salt Lake City, Utah, Celtic Bank was named a top SBA lender in the nation in 2024! Celtic Bank is a leading nationwide lender specializing in SBA 7(a), SBA 504, USDA B&I, express loans, asset-based loans, commercial real estate loans and commercial construction loans. Celtic Bank is an equal opportunity employer and complies with all applicable federal, state and local fair employment practices laws. Physical and Other Requirements This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. The demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Stationary Work: The employee is frequently required to stand; walk; use hands to type, handle documents, and perform other office related duties. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Mobility: The employee in this position needs to occasionally move between work sites and inside the office to access file cabinets, office machinery, etc. Communicate: The employee is regularly required to talk or hear and will frequently communicate with others. Must be able to read, write and understand fluent English. Work Model: The employee in this position will work either a fully Onsite, or Hybrid work model. All employees, regardless of location, may be required to travel to the Salt Lake City office for mandatory company meetings, events, or related occasions. Utah-based employees: Hybrid work schedule available after initial training period in our Salt Lake City, Utah office - department and job requirements will determine eligibility.

Are you passionate about Business Banking and embody the values of credit unions? Are you seeking a career with a respected financial institution that offers camaraderie, professional growth, and advancement opportunities? If so, keep reading! At Cyprus Credit Union, we believe our future is as bright as our team. To attract and retain top talent, we offer competitive pay, comprehensive benefits, opportunities for advancement, career development resources, and a balanced work-hard/play-hard culture. We value diversity, community volunteering, and reducing our carbon footprint. Compensation and Benefits As a Business Banking Officer, you will receive competitive pay based on experience and qualifications, with opportunities for bonuses and incentives. We offer comprehensive benefits to both part-time and full-time employees, including: * Health, dental, life, and vision insurance plans * 401(k) and retirement savings plan * 12 paid holidays * Paid day off for your birthday * PTO starting from day one * Additional PTO for community volunteering * Competitive tuition reimbursement Cyprus Credit Union was named one of the BEST credit unions to work for from 2020-2024 due to our "Most Loved" atmosphere. Position Purpose Business Banking Officers are responsible for providing comprehensive financial solutions to small businesses within our footprint, focusing on acquiring new business relationships for their assigned branches. They also deepen and retain existing relationships, actively pursue new business opportunities, and grow the profitability of our small business program. Results consist of acquiring, expanding, and retaining business relationships with a focus on deposit, treasury, and business lending growth. This is primarily an outside sales role, requiring active engagement with the local business community. Essential Functions and Responsibilities Daily Tasks * Identify and source new business members through outbound calling, business visits, inbound calls, and email. * Maintain regular contact with business members within the portfolio. * Respond to member requests. * Conduct thorough interviews to determine member needs. * Recommend a package of products/services that fulfill those needs. * Fulfill member requests for additional products and services. * Refer members to business partners as needed. * Educate business members and employees on small business lending solutions, business credit cards, deposit accounts, treasury and cash management solutions, digital banking solutions, and consumer product referrals. * Coordinate activities with branches and related departments, obtaining or conveying information as needed. * Keep management informed of area activities and significant problems. * Answer inbound phone calls from business members and employees. * Assist members with servicing issues such as payment discrepancies, fees, and late payments. * Cooperate with other employees to ensure member requests are handled efficiently. Weekly Tasks * Collaborate with assigned branches and branch employees to build referral sources. * Work with assigned business chambers to identify business prospects and support local businesses. * Develop centers of influence and networks to create additional referral sources. * Conduct regular follow-up calls with business members. * Provide support and training to branches on business services. * Assist and support Business Services personnel as needed. * Prepare account applications and other documentation for member signatures, if applicable. * Look for ways to perform duties more efficiently. Monthly Tasks * Identify and attend marketing events that complement or serve the industry or product niches of the portfolio. * Review and evaluate set goals for production and cross-selling, making adjustments as needed. * Review and update the knowledge base on all product offerings to ensure the latest information is provided to members and employees. * Attend and participate in meetings as required. * Provide detailed reports to management on area activities and significant problems. * Complete special projects as assigned. Qualifications Skills/Abilities: * Accurate and attentive to detail * Well organized * Strong typing abilities * Ability to assist others * Proficient with basic business equipment (computer, adding machine, copy machine) * Strong sales ability and understanding of sales process Experience: * 2 to 5 years' experience in a financial institution, preferably working with small businesses Knowledge: * Basic knowledge of business account services and procedures * Familiarity with business loan programs and service requirements * Familiarity with general loan documentation Education/Certification: * High school graduate or equivalent * Associate's or Bachelor's degree in Finance, Accounting, Business, or a related field preferred Join us at Cyprus Credit Union and grow your career with us! Apply now!

Zions Bank recognizes that its success comes from the dedication, experience, and talents of its diverse employee base. As we usher in the next generation of banking, we're committed to being the premier employer of choice. We're proud to have ranked among American Banker magazine's “Best Banks to Work For” almost every year since 2013, as Best Employer from Utah's Best of State, among the Best Places to Work in Idaho, and “among the Salt Lake Tribune's Top Workplaces. Make the leap into a new era of banking. Let us transform your career. With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is committed to career growth and advancement. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity. Zions Bank has just opened an opportunity for a Credit Analyst located in Midvale, Utah office. If you're ready for the next rung on your career ladder, this may be your opportunity. Ideal candidates will have the skills and experience necessary to: Conduct credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to loan analysis. Conduct research on a variety of equipment types and associated values. Prepare equipment desktop evaluations for teams across the Bank. Investigate all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches. Understanding of the loan request and the business relationship ensures the accuracy and completeness of financial information received for loan renewals. Analyze financial statements and related material and makes recommendations for approvals of credits. Analyze financial conditions and trends, reviews and reports non-compliance with loan covenants. Determine cash flow using appropriate tax analysis. Prepare summaries, present facts, and offer opinions concerning credit-worthiness and any risk items or issues. Provide credit information and references for customers, loan officers, or other agencies as requested. Ensure that all credit files include current finances. May assist with projects as needed and perform other duties as assigned.' What you need to bring to the table: Requires a Bachelor's in finance, business, accounting or a related field and 1+ yrs credit/financial analysis, lending, underwriting or other directly related experience. A combination of education and experience may meet job requirements. Preference for Equipment Finance or Leasing backgrounds. Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles. Some experience working with various types of loans. Basic working knowledge of credit risk, legal and regulatory requirements. Ability to work with lending officers and staff. Good client relationship and communication skills, both verbal and written. Ability to make sound decisions and recommendations regarding loans. Working knowledge of computer software programs including spreadsheets, word processing, etc. required. Benefits: Medical, Dental and Vision Insurance - START DAY ONE! Life and Disability Insurance, Paid Parental Leave and Adoption Assistance Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts Paid Training, Paid Time Off (PTO) and 12 Paid Federal Holidays, and any applicable state holidays 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience Mental health benefits including coaching and therapy sessions Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire Discounted TRAX pass. ZTC in Midvale is 5 minutes walking distance from closest station. Location Amenities: The Zions Technology Center is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus will be the company's primary technology and operations center. This modern and environmentally friendly technology center will enable Zions to continue to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as: Electric vehicle charging stations and close proximity to Historic Gardner Village UTA TRAX station. Access to outdoor recreation, parks, trails, shareable bikes and locker rooms. Large modern cafe with a healthy and diverse menu. Healthy indoor environment with ample natural light and fresh air. LEED-certified sustainable building that features include the use of low VOC-emitting construction materials.

**Zions Bank** recognizes that its success comes from the dedication, experience, and talents of its diverse employee base. As we usher in the next generation of banking, we're committed to being the premier employer of choice. We're proud to have ranked among _American Banker_ magazine's **"Best Banks to Work For"** almost every year since 2013, as Best Employer from Utah's Best of State, among the Best Places to Work in Idaho, and "among the _Salt Lake Tribune's_ Top Workplaces. Make the leap into a new era of banking. Let us transform your career. With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is committed to career growth and advancement. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity. Zions Bank has just opened an opportunity for a **Credit Analyst** located in Midvale, Utah office. If you're ready for the next rung on your career ladder, this may be your opportunity. **Ideal candidates will have the skills and experience necessary to** **:** + Conduct credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to loan analysis. + Conduct research on a variety of equipment types and associated values. + Prepare equipment desktop evaluations for teams across the Bank. + Investigate all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches. + Understanding of the loan request and the business relationship ensures the accuracy and completeness of financial information received for loan renewals. + Analyze financial statements and related material and makes recommendations for approvals of credits. + Analyze financial conditions and trends, reviews and reports non-compliance with loan covenants. + Determine cash flow using appropriate tax analysis. + Prepare summaries, present facts, and offer opinions concerning credit-worthiness and any risk items or issues. + Provide credit information and references for customers, loan officers, or other agencies as requested. + Ensure that all credit files include current finances. + May assist with projects as needed and perform other duties as assigned.' **What you need to bring to the table** **:** + Requires a Bachelor's in finance, business, accounting or a related field and 1+ yrs credit/financial analysis, lending, underwriting or other directly related experience. A combination of education and experience may meet job requirements. + Preference for Equipment Finance or Leasing backgrounds. + Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles. Some experience working with various types of loans. + Basic working knowledge of credit risk, legal and regulatory requirements. + Ability to work with lending officers and staff. Good client relationship and communication skills, both verbal and written. + Ability to make sound decisions and recommendations regarding loans. + Working knowledge of computer software programs including spreadsheets, word processing, etc. required. **Benefits:** + Medical, Dental and Vision Insurance - START DAY ONE! + Life and Disability Insurance, Paid Parental Leave and Adoption Assistance + Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts + Paid Training, Paid Time Off (PTO) and 12 Paid Federal Holidays, and any applicable state holidays + 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience + Mental health benefits including coaching and therapy sessions + Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire + Discounted TRAX pass.ZTC in Midvale is 5 minutes walking distance from closest station. **Location Amenities:** The Zions Technology Center is a 400,000-square-foot technology campus in Midvale, Utah. Located on the former Sharon Steel Mill superfund site, the sustainably built campus will be the company's primary technology and operations center. This modern and environmentally friendly technology center will enable Zions to continue to compete for the best technology talent in the state while providing team members with an exceptional work environment with features such as: + Electric vehicle charging stations and close proximity to Historic Gardner Village UTA TRAX station. + At least 75% of the building is powered by on-site renewable solar energy. + Access to outdoor recreation, parks, trails, shareable bikes and locker rooms. + Large modern cafe with a healthy and diverse menu. + Healthy indoor environment with ample natural light and fresh air. + LEED-certified sustainable building that features include the use of low VOC-emitting construction materials. **Req ID:** 069094 Equal Opportunity Employer It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws. If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at **************, Mon.-Fri. between 9 a.m. - 5 p.m. MST. Click here to view applicable Federal, State and/or local employment law posters.