Credit analyst jobs in Mission Viejo, CA

Providing for loved ones, planning rewarding retirements, saving enough for whatever lies ahead - our policyholders count on us to be there when it matters most. It's a big ask, but it's one that we have the power to deliver when we work together. We collaborate and innovate - pushing one another to transform not just Pacific Life, but the entire industry for the better. Why? Because it's the right thing to do. Pacific Life is more than a job, it's a career with purpose. It's a career where you have the support, balance, and resources to make a positive impact on the future - including your own. We're actively seeking a talented Private Credit Surveillance Analyst to join our Private Asset Investment team in Newport Beach, CA. The Private Asset team manages a rapidly growing portfolio of over $25 billion of AUM and operates within the Pacific Life Investment (PLI) division that manages over $150B of AUM. The Private Credit Surveillance Analyst will assist with the onboarding, implementation and future monitoring of private credit deals in a portfolio management platform, iLevel. This role involves interfacing with internal teams (credit analysis/underwriting, risk management) and external partners (consultants, technology vendors). How you'll help us move forward: Support the Private Credit Surveillance Manager in implementing a new portfolio management SaaS platform. Collaborate with our legal and business analyst teams to locate pertinent documents. Read and interpret legal documents to extract covenant and reporting requirements. Perform spreadsheeting activities with the assistance of an ADI (Automated Data Ingestion) tool. Perform ongoing portfolio monitoring functions; some credit analysis is necessary. Assist with developing automated dashboards and reports that highlight key performance indicators, covenant tracking, and early-warning signals. The experience you bring: Education: Undergraduate degree in Business, Accounting, Finance, or a related field. Experience: Minimum of 2 years of experience in investment operations, credit analysis, portfolio monitoring, or related role. Strong Collaborator: Proven ability to work in a collaborative environment, works well in cross-functional teams. Technical Skills: Moderate to strong MS Excel skills. Experience using workflow and surveillance software a plus but not required. Communication Skills: Excellent written and verbal communication skills. What makes you stand out: Experience with financial statement spreading and credit analysis Able to investigate complex issues, make connections, and uncover insights Familiarity with credit rating methodologies You can be who you are. People come first here. We're committed to an inclusive workforce. Learn more about how we create a welcoming work environment at ******************** What's life like at Pacific Life? Visit Instagram.com/lifeatpacificlife. #LI-AJ1 Base Pay Range: The base pay range noted represents the company's good faith minimum and maximum range for this role at the time of posting. The actual compensation offered to a candidate will be dependent upon several factors, including but not limited to experience, qualifications and geographic location. Also, most employees are eligible for additional incentive pay. $91,350.00 - $111,650.00 Your Benefits Start Day 1 Your wellbeing is important to Pacific Life, and we're committed to providing you with flexible benefits that you can tailor to meet your needs. Whether you are focusing on your physical, financial, emotional, or social wellbeing, we've got you covered. Prioritization of your health and well-being including Medical, Dental, Vision, and Wellbeing Reimbursement Account that can be used on yourself or your eligible dependents Generous paid time off options including: Paid Time Off, Holiday Schedules, and Financial Planning Time Off Paid Parental Leave as well as an Adoption Assistance Program Competitive 401k savings plan with company match and an additional contribution regardless of participation EEO Statement: Pacific Life Insurance Company is an Equal Opportunity /Affirmative Action Employer, M/F/D/V. If you are a qualified individual with a disability or a disabled veteran, you have the right to request an accommodation if you are unable or limited in your ability to use or access our career center as a result of your disability. To request an accommodation, contact a Human Resources Representative at Pacific Life Insurance Company.

About Us Veros Credit is committed to making vehicle ownership possible for everyone. Through our vast network of independent and franchise dealers, we have helped countless customers with their financing needs, allowing them to drive off in the vehicle they deserve. We realize that our greatest assets are our employees, which is why we strive to make work welcoming and fun but offer limitless opportunities for growth and advancement. At Veros Credit, you can look forward to company events, free meals quarterly, holiday activities, and more. You will be greeted by friendly, positive, and ambitious team members, and work alongside leaders who encourage and value your new ideas. We are proud to say that it is this sense of community that makes us excited to walk through the door every day. Some of our benefit offerings include: Medical, Dental, and Vision Insurance Life Insurance Flexible Spending Accounts (FSA) Accident, Hospital, Indemnity Insurance Short Term Disability (STD) and Long-Term Disability (LTD) Insurance Employee Assistance Program (EAP) 401(k) Plan Employee Stock Ownership Plan (ESOP) Tuition Reimbursement Paid Holidays Paid Time Off (PTO) Transportation Reimbursement Benefit (Mass Transit, Carpool, and Plug-In Electric Vehicle) Referral Bonus Quarterly lunches Daily fresh fruit Office Starbucks Coffee/Latte/Espresso Machine And a lot more! About The Position The Credit Analyst II (Auto Finance) will be responsible for analyzing credit data and financial statements to determine the degree of risk involved in extending credit and underwriting loans accordingly. This includes communicating such decisions to appropriate individuals to capture the business and meet target volume goals. In-House Position. Responsibilities: Review credit applications and make sound decisions based on Company guidelines. Analyze credit risk and financial information such as payment to income, loan to value, credit history and other data to determine quality and profitability of a loan. Interact daily with automotive dealerships to negotiate and capture approvals. Build strong relationships with the sales & marketing team, funders, and dealerships to maximize potential business. Meet target goals for productivity and quality in a consistent manner. Other duties as assigned. Requirements: 2+ years of credit review/analysis experience in the non-prime auto finance industry. Effective communication and decision-making skills. Strong analytical and organizational skills with attention to detail. Strong negotiation and problem-solving skills. Ability to interact with others in a professional, tactful, and sensitive manner. Ability to thrive in a fast-paced work environment and to work independently as well as part of a team. Proficient with the Microsoft suite of applications (Word, Excel, Outlook, PowerPoint, Visio, etc.). Bachelor's Degree in Business or equivalent work experience. Salary: $24.00 - $38.50 per hour + Bonus #VHP Veros Credit, LLC is an equal opportunity employer. **This Organization Participates in E-Verify Keywords: Automotive, Auto Finance, Automobile, Subprime, Prime, Unsecure Loans, Dealerships, Independent Dealerships, Franchise Dealerships, Buyer, Underwriter, Credit Support, Fund, Customer Service, Consumer Finance, Auditing, Audit, Stipulations, Loan Processing, Loan Processor, Income verification, VOE's, References, DealerTrack, RouteOne, Defi, Turbo Pass, Noble, Main 3

Are you looking to help transform a company and an industry? As a Stewart employee, you'll be joining a company that is committed to helping you own, develop, and nurture your career while growing our company. We invest in your career journey because we understand that as you grow so does our company. You will be part of a diverse and equitable work environment that reflects the customers we serve. You'll be empowered to use your unique experiences, passion and skills to help our company constantly evolve and improve. Together, we can achieve our vision of becoming the premier title services company. More information can be found at ************************ subscribe to the Stewart blog at ******************************** or follow Stewart on Twitter @stewarttitleco. Job Description Job Summary The Credit Analyst is responsible for conducting credit investigations and analyzing credit information pertaining to loans. In addition, to verifying and updating credit information as requested by clients in support of the mortgage underwriting process, provides operational support to the production team through the course of the credit report supplement process. Job Responsibilities •Investigates all available sources of credit and financial information. •Provides credit information and references for customers, loan officers, or other agencies as requested. •Performs a wide range of support functions to assist in departmental processes •Follows clearly defined procedures to complete daily tasks and responsibilities •Uses existing procedures to solve straightforward problems without the consistent need to exercise discretion •Uses basic communication skills to address internal and/or external clients and/or team members Individual contributor working under direct supervision with little autonomy •Performs all other duties as assigned by management Education •High school diploma required; Bachelor's preferred Experience •Typically requires 0-2 years of related work experience Equal Employment Opportunity Employer Stewart is committed to ensuring that its online application process provides an equal employment opportunity to all job seekers, including individuals with disabilities. If you have a disability and need assistance or an accommodation in the application process, please contact us by email at *******************. Pay Range & Benefits $38,859.60 - $64,766.00 Annually The base salary range provided is consistent with similar roles at the Company. The base salary range is not an absolute, but a guide, and actual offers will be based on the individual candidate's knowledge, skills, education, experience, location, market conditions, and other compensation components. Depending upon all of the preceding considerations, the base salary may be lower or higher than the stated range. Stewart offers eligible employees a competitive benefits package that includes, but is not limited to a variety of health and wellness insurance options and programs, paid time off, 401K with company match, employee stock purchase program, and employee discounts

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Lead Credit Officer within the Credit Risk team, you will play a critical role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities: Oversee all aspects of credit analysis on commercial real estate/multifamily loans. Evaluate and manage risks in complex transactions. Serve as a back-up mentor for more junior Credit Analysts and Credit Officers Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. Apply data analysis techniques to interpret results and provide insights and recommendations to management. Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools. Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. Required Qualifications, Capabilities, and Skills: Minimum 7+ years of experience in commercial real estate lending, credit analysis, or loan workouts. Thorough understanding of multifamily real estate property valuations and cash flow analysis. Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. Excellent verbal/written communication and problem-solving skills. Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed. Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. Preferred Qualifications, Capabilities, and Skills: Bachelor's degree in accounting, finance, economics, or real estate is preferred. Familiarity with regional markets and municipal regulations. Advanced degree in a related field. Experience with proprietary credit risk management tools. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

Rexel USA is one of the largest distributors of electrical products, data communication, and related supplies in the United States. Rexel USA operates its electrical distribution business in the United States through eight Regions that go to market under various banner and trade names, including Rexel, Rexel Automation, Gexpro, Mayer, and Platt Electric Supply. In addition to an online store, Rexel USA has a distribution network of over 460 warehouse storefront locations throughout the U.S. We are looking for a Credit Manager to join our Rexel team in Anaheim, CA! Summary: The Credit Manager is responsible for the collection and analysis of credit information and financial data in accordance with credit policy and applicable laws to extend trade lines on credit. Ensures payments are collected and works with Area Sales Managers to review trouble accounts. What You'll Do: * Collect and analyze credit information and financial data in accordance with credit policy and applicable laws to extend trade lines on credit * Ensure payments are collected within the terms of sale, via direct customer contact and account monitoring for an assigned portfolio of customers * Responsible for achieving monthly cash collection goals * Initiate and moderate monthly accounts receivable meetings with Area Sales Managers to review aging reports and discuss resolutions for troubled accounts * Review area results with the Regional Credit Manager and complete specific objectives as assigned * Meet with customers and sales associates in their territory and provide customer service as required to enhance customer relations * Periodic reconciliation of customer accounts as needed * Perform other duties as assigned Job Duties Disclaimer: The information contained in this job description is intended to describe the essential job functions required of those assigned to this job. It is not intended to be an exhaustive list of all responsibilities, duties, knowledge, skills, and abilities needed to perform the job. Please note that management retains the right to assign or reassign duties and responsibilities to this job at any time. The ability to competently perform all the essential duties of the position, with or without reasonable accommodation, demonstrate commitment to effective customer service delivery, integrity, and the ability to work productively as a member of a team or work group are basic requirements of all positions at Rexel USA. Qualifications What You'll Need * 4+ years of equivalent experience * Construction or related trade/supply experience a plus * High School or GED - Required * Bachelor's Degree or Equivalent - Preferred Knowledge, Skills & Abilities * Proven track record in trade accounts receivable, credit and collections within a repetitive market * Ability to consistently demonstrate sound judgment in decision making * Ability to understand and analyze financial reports and able to make credits recommendations based on this analysis * Commitment to adhere to and promote credit policy in the course of business * Excellent interpersonal skills and ability to deal positively with conflict * Efficient and effective time management and organizational skills * Technical proficiency in Excel, Word, and internet searches * Overnight travel to the area of responsibility * Ability to work in a fast-paced environment efficiently * Working knowledge in the application of Mechanic's liens and bond regulations * Get Paid collection software experience a plus * Analytical skills to identify trends and interpret financial data Additional Information Physical Demands: * Sit: Must be able to remain in a stationary position - Constantly - at least 51% * Walk: Must be able to move about inside/outside office or work location - Frequently - 21% to 50% * Use hands to finger, handle, or feel: Operates a computer and other office machinery - Constantly - at least 51% * Talk, hear, taste, smell: Must be able to use senses to effectively communicate with co-workers and clients and detect hazardous conditions - Constantly - at least 51% Weight and Force Demands: * Up to 10 pounds - Occasionally - up to 20% Working Environment: * Travels to offsite locations - Occasionally - up to 20% Rexel USA (A VEVRAA Federal Contractor), and its affiliated companies, is an EEO/Disabled/Veterans employer. All qualified candidates will receive consideration for employment without regard to any characteristics protected by law. For the state of California only, the pay is $60,799.98 to $91,199.97 depending upon qualifications, experience, and other considerations permitted by law. Our Benefits Include: * Medical, Dental, and Vision Insurance * Life Insurance * Short-Term and Long-Term Disability Insurance * 401K with Employer Match * Paid vacation and sick time * Paid company holidays plus flexible personal days per year * Tuition Reimbursement * Health & Wellness Programs * Flexible Spending Accounts * HSA Accounts * Commuter Transit Benefits * Additional Optional Insurance such as Pet Insurance, Legal Assistance, Critical Illness, Home and Auto Insurance to name a few. * Employee Discount Programs * Professional Training & Development Programs * Career Advancement Opportunities - We like to promote from within Our goal is to create a workplace where everyone feels respected, valued, and empowered to succeed as we understand that our success and innovation is enhanced by an inclusive and diverse workforce. Rexel USA (A VEVRAA Federal Contractor), and its affiliated companies, is an EEO/Disabled/Veterans employer. All qualified candidates will receive consideration for employment without regard to any characteristics protected by law.

Full-time Description Solutions MAZO Capital Solutions is a fast-growing, tech-enabled equipment finance lender powering America's entrepreneurial spirit. We partner with equipment dealers, manufacturers, and online marketplaces nationwide to deliver simple, fast, and flexible financing solutions for small and mid-sized businesses. As MAZO continues its rapid growth as an on-balance-sheet lender, we're expanding our Credit & Risk team to help us say “yes” more while protecting portfolio quality. If you are analytical, detail-oriented, and eager to build a career in commercial credit or financial services, MAZO is an incredible place to learn and grow. Position Overview We are seeking a Junior Credit Analyst who is early in their career and excited to learn the fundamentals of underwriting and credit evaluation. This role supports our Senior Credit Analysts and Underwriters by reviewing documentation, analyzing financial information, and preparing initial credit assessments. This is an excellent opportunity for someone pursuing a future in equipment finance, commercial lending, or risk management. Requirements Key Responsibilities · Assist in reviewing credit applications, bank statements, financials, and credit bureau reports. · Conduct preliminary financial analysis and risk assessment under guidance from senior team members. · Help prepare credit write-ups and summaries outlining key findings and risk considerations. · Communicate with Sales and Business Development teams to gather missing or additional documentation. · Support the structuring of transactions and provide recommendations based on internal guidelines. · Identify potential red flags or inconsistencies within applicant information. · Maintain accurate documentation and support ongoing improvements to underwriting processes. Qualifications · 0-2 years of experience in financial services, lending, banking, equipment finance, or related field (internships welcomed). · Strong analytical skills with an interest in credit, risk, or financial statement analysis. · Ability to interpret bank statements and basic financial documents (training provided). · Excellent written and verbal communication skills. · Highly detail-oriented and comfortable in a fast-paced environment. · Proficient with Microsoft Excel; familiarity with Salesforce is a plus. · Bachelor's degree in Finance, Economics, Accounting, Business, or related field preferred.

Job Description Bluecrest Residential (“Bluecrest”) is a vertically integrated multifamily operator with over 60 years of combined multifamily investment experience throughout market cycles focusing on niche strategies and superior relative value. Since 2004, the principals have acquired approximately 20,000 units and have invested in the development of over 6,000 units. Since 2018, Bluecrest principals have been investing preferred equity in multifamily assets on behalf of large institutional investors. In 2022, Bluecrest principals were the largest seller of multifamily in the US and has consistently delivered exceptional results, with deal level IRRs exceeding 30% annually since inception. Going forward, Bluecrest is looking to acquire high-quality multifamily assets across the Sunbelt and continue to invest preferred equity in multifamily development projects. Bluecrest Residential is seeking a Senior Analyst or Associate to support underwriting and active portfolio management for the stretch senior and preferred equity platforms. This person will run asset level and portfolio level analysis, track loan covenants, evaluate construction progress and delays, review draw requests, and produce clear recommendations to leadership. The Senior Analyst sits at the center of credit, asset management, construction risk, and capital markets. Responsibilities Underwrite new loans and preferred equity investments including sponsor diligence, market analysis, budget and schedule reviews, and base case and downside scenarios DSCR, debt yield, LTV, exit metrics. Build and maintain cash flow and waterfall models for A note and B note structures and for preferred equity with full return waterfalls and sensitivity tables. Prepare investment memos with clear thesis, risks, mitigants, and covenant packages. Lead post closing monitoring for assigned assets monthly operating reviews, DSCR and debt yield tests, construction progress and contingency burn, schedule variance, change order logs, and cost to complete. Manage construction draw reviews pay app tie outs, lien waivers, retainage, and reconciliation to budget and schedule. Track and enforce covenants and triggers coverage tests, net worth and liquidity tests, completion tests, and reporting deliverables. Partner with bank counterparties on whole loan structures intercreditor administration for A note and B note, consents, waivers, and remedies. Coordinate third party reports and diligence appraisals, cost reviews, environmental, surveys, PCAs, and insurance compliance. Maintain high quality data rooms and portfolio dashboards update monthly KPIs, covenant calendars, and risk ratings. Support amendments, extensions, and restructurings including term sheets, scenario analysis, and negotiation materials. Contribute to quarterly investor reporting and portfolio reviews concise commentary on performance, risk, and outlook. Requirements Bachelor's Degree in Finance, Economics, Real Estate, Business or related field. You have two-seven years of relevant experience depending from a commercial bank construction lending group, a real estate debt fund, a life company lender, or a credit focused sponsor. You have strong financial modeling skills in Excel with comfort building from a blank sheet and auditing existing models. You have working knowledge of construction lending and development risk GMP contracts, change orders, payment applications, retainage, lien waivers, completion guarantees, and cost to complete. You have familiarity with intercreditor agreements, A note and B note structures, UCC remedies, and preferred equity waterfalls. You are able to read and summarize loan documents and covenants and translate into actionable monitoring tools. You have excellent interpersonal, written and communication skills. You have strong organization skills and follow through with attention to detail and deadlines. Benefits Competitive Salary- The salary for this position will be determined based on the candidate's total relevant experience. Relevant experience would be total years of experience as an Analyst in a commercial bank construction lending group, a real estate debt fund, a life company lender, or a credit focused sponsor. Performance Bonuses- Our corporate team participates in performance-based bonuses. Paid Time Off- Unlimited DTO starting upon hire. Mentorship- Work with an experienced team of multifamily investment professionals. Holiday Pay- 10 full paid holiday. Paid Volunteer Hours- 8 hours of paid volunteer time you can use throughout the year. Housing Discounts- 25% off rent available for all employees off any unit. Comprehensive Insurance Benefits- Medical PPO, HDHP, FSA, HSA with employer match Dental, Vision, STD, & LTD. Retirement Plan- 401K with a 25% company match up to 6%. Travel & Personal Discounts- Company rate National/Enterprise rental cars for leisure travel, plus additional discounts with Verizon (18% discount) and Expedia (10% discount). Certification Reimbursement- Full reimbursement for approved industry related certifications, including CAM, CPO, EPA, and more! Tech Forward & Transparent Culture- Innovative internal software to make your job easier! Cultural Appeal- We run on transparency and healthy debate (No Fear of Conflict); you are encouraged to appeal and share what is not working well. Your voice truly matters! EOE

Credit Analyst - (250000PG) Description Who We AreThrough our service brands Hyundai Motor Finance, Genesis Finance, and Kia Finance, Hyundai Capital America offers a wide range of financial products tailored to meet the needs of Hyundai, Genesis, and Kia customers and dealerships. We provide vehicle financing, leasing, subscription, and insurance solutions to over 2 million consumers and businesses. Embodying our commitment to grow, innovate, and diversify, we strive to reimagine the customer and dealer experience and launch innovative new products that broaden our market reach. We believe that success comes from within and are proud to support our team members through skill development and career advancement. Hyundai Capital America is an Equal Opportunity Employer committed to creating a diverse and inclusive culture for our workforce. We are a values-driven company dedicated to supporting both internal and external communities through volunteering, philanthropy, and the empowerment of our Employee Resource Groups. Together, we strive to be the leader in financing freedom of movement. We Take Care of Our PeopleAlong with competitive pay, as an employee of HCA, you are eligible for the following benefits:· Medical, Dental and Vision plans that include no-cost and low-cost plan options· Immediate 401(k) matching and vesting· Vehicle purchase and lease discounts plus monthly vehicle allowances· Paid Volunteer Time Off with company donation to a charity of your choice· Tuition reimbursement What to ExpectThe Associate, Consumer Credit is responsible for underwriting consumer applications from Hyundai, Kia and Genesis Dealers. This position is responsible for making credit decisions that meet acceptable underwriting standards within HCA's policies and procedures as well as adhering to all State and Federal regulatory compliance. All Credit Analyst responsibilities should be handled in an expeditious manner per HCA's KPI's. This position requires flexibility and ability to adapt to a multi-functional departmental structure. All positions within the Operations Division are expected to collaborate cross-divisionally to achieve a seamless customer experience; this includes supporting other departments as necessary to meet the business need. What You Will Do1. Analyze information from credit applications utilizing the four C's of credit to make sound credit decisions based on appropriate authority level, while effectively negotiating the terms and conditions of loan decisions via dealer phone calls or electronic rehash. 2. Balance the demands of Production, Sales Support, Risk, and Quality Assessments while maintaining established SLA's. Participate in team meetings and Calibrations to communicate, share trends, review Policies & Procedures and team goals. 3. Follow up for approvals and pending contracts to increase capture rate and monitor dealer's portfolio. Be well versed in eContract and eRehash processes. Conduct Customer Interviews and investigations when needed to facilitate in credit decisions or assist in the funding process. Coach and assist dealers to resolve funding issues and reduce unclean contracts. 4. Performance Coaching: Actively participate in coaching and development sessions/trainings to co-create solutions that enhance individual performance and overall department/team performance. 5. Perform all other duties as assigned. Qualifications What You Will Bring· Minimum 1-year automotive finance experience (Desirable)· Experience with Collections, Funding, Dealer Services, Lease end or Customer Service (Desirable)· Auto finance or related background is preferred· 2 years of experience in fast paced office environment· Experience with Dealer operations or Sales (Desirable)· High school graduate (GED), College Degree preferred· Strong verbal, written and interpersonal skills· Analytical with high attention to detail· Self- starter with excellent time management skills· Well versed on company product offerings, reporting and measurement systems· Ability to negotiate, influence and collaborate both with customers and associates Work EnvironmentEmployees in this class are subject to extended periods of sitting, standing, and walking, vision to monitor and moderate noise levels. Work is performed in an office environment. This position requires flexibility with schedule to include weekends, evenings and holidays. The posted salary range for this job takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; geographic location, and other business and organizational needs. Successful candidates may be hired anywhere in the salary range based on these factors. It is uncommon to hire candidates at or near the top of the range. California Privacy NoticeThis notice only applies to our applicants who reside in the State of California. The latest version of our Privacy Policy can be found here. This Privacy Policy provides you with notice, at or before the point of collection, about the categories of personal information to be collected from you, the purposes for which your personal information is collected or used, and whether that information is sold or shared, so that you can exercise meaningful control over our use of your personal information. We are providing this notice to comply with the California Consumer Privacy Act of 2018, as amended as amended by the California Privacy Rights Act of 2020 (“CCPA”). If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at Privacy2@hcs. com. Primary Location: United States-California-IrvineWork Locations: Headquarters 1 3161 Michelson Dr. Ste 1900 Irvine 92612Job: Underwriting Op. Job Type: RegularOvertime Status: Non-exempt Schedule: Full-time Minimum Salary: $48,552. 00Maximum Salary: $72,828. 00Job Posting: Dec 10, 2025

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Lead Credit Officer within the Credit Risk team, you will play a critical role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities: Oversee all aspects of credit analysis on commercial real estate/multifamily loans. Evaluate and manage risks in complex transactions. Serve as a back-up mentor for more junior Credit Analysts and Credit Officers Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. Apply data analysis techniques to interpret results and provide insights and recommendations to management. Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools. Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. Required Qualifications, Capabilities, and Skills Minimum 7 years of experience in commercial real estate lending, credit analysis, or loan workouts. Thorough understanding of multifamily real estate property valuations and cash flow analysis. Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. Excellent verbal/written communication and problem-solving skills. Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed. Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. Preferred Qualifications, Capabilities, and Skills Bachelor's degree in accounting, finance, economics, or real estate is preferred. Experience as a loan underwriter in commercial real estate lending is highly desirable. Familiarity with regional markets and municipal regulations. Advanced degree in a related field. Experience with proprietary credit risk management tools. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries. JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans Base Pay/Salary Pasadena,CA $123,500.00 - $230,000.00 / year; Irvine,CA $123,500.00 - $230,000.00 / year; San Francisco,CA $133,000.00 - $240,000.00 / year

The Senior Credit Analyst is responsible for providing due diligence and analytical support to the Relationship Officer and Relationship Manager, Director and Division Manager. The Senior Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists Relationship Officers, Relationship Managers, Directors and the Division Manager in writing loan requests; promotes business for the Bank by maintaining good client relations and referring clients to appropriate staff for new services. The Senior Credit Analyst will be able to independently interact with clients and prospects to perform all due diligence necessary to extend credit, write up a credit submission, orally present the merits of a credit request and obtain credit approval. WaFd Bank is proud of the high value that we all place on simply being kind when serving our co-workers and clients. Assists Relationship Officers, Relationship Managers and Directors in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within the framework of the Bank's credit culture and current economic and industry trends. Assists Relationship Officers, Relationship Managers and Directors in gathering data from clients and internal and outside sources; prepares spreadsheets and analyzes financial information, including financial statements and tax returns; contacts clients for additional information and clarification of data. Compiles data from credit bureaus, conducts industry peer comparisons and performs cash flow analyses and other such tasks and comparisons. Informs Relationship Officer, Relationship Manager, Director and Division Manager when up-to-date financial statements are needed for commercial accounts; ensures credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved. Works with Relationship Officers, Relationship Managers and Directors to ensure that all portfolio management responsibilities are well documented and maintained in accordance with management expectations. Assists Relationship Officers, Relationship Managers and Directors in the review and renewal of credit facilities and provides back-up support. May take primary responsibility for certain credit actions (approvals, renewals) per the guidance of the Relationship Manager, Director or Division Manager. Develops knowledge of relevant industries, as well as economic conditions (i.e. interest rates, asset values, competition, market conditions, etc.) that impose risk to the client base. Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business. Reinforces the application of superior client service through his or her own example, along with appropriate follow-through with involved clients and employees. Treats people with respect, keeps commitments, inspires the trust of others, works ethically and with integrity, upholds organizational values and accepts responsibility for his or her own actions. Ensures compliance with all Bank policies, procedures and processes and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities specific to the position. Adherence to bank policies and procedures designed to comply with Federal regulations, including but not limited to the Bank Secrecy Act, USA Patriot Act and OFAC regulations. Completes administrative tasks correctly and on time; supports the Bank's goals and values. Qualifications Education/Skills/Training: Bachelor's Degree or approved equivalent combination of education and experience. Work-related experience should consist of commercial financial analysis or a lending background. Educational experience, through in-house training sessions, formal business school or financial industry related curriculum. Preferred five to seven years' experience in financial and/or credit analysis or related areas. Experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas. Strong knowledge of commercial, construction and real estate credit analysis. Ability to analyze and interpret general business periodicals, professional journals and technical procedures. Ability to effectively present information and respond to questions from diverse groups, including managers, customers and members of the general public. Proficient in Microsoft Office suite (Word, Excel and PowerPoint). Strong typing skills to meet production needs of the position. Strong math skills. Effective verbal, written and interpersonal communication skills, ability to write reports and correspondence and speak clearly to customers and employees. Ability to deal with normal problems involving multiple facets and variables in non-standardized situations and apply common sense in carrying out instructions and solving problems. Excellent organizational and time management skills. Ability to work with minimal supervision while performing duties. Benefits At WaFd Bank you get all of these great benefits! Paid time off for vacation, sick days and holidays Health insurance Stock options Bonus programs Generous 7% 401(k) employer matching* Paid Parental Leave Life and AD&D insurance Long-term disability Tuition Reimbursement Employee assistance programs Pre-tax health and dependent-care spending plans WaFd Bank Benefits Summary - Click here for more information EEO Statement We are committed to Equal Employment Opportunity and Affirmative Action. We recruit, hire, train and promote persons in all job titles and ensure that all other personnel actions are administered without regard to race, color, religion, sex, sexual orientation, gender identity, military and/or veteran status, or disability in accordance with Executive Order 11246, Section 503 of the Rehabilitation Act of 1973, as amended, and the Vietnam Era Veterans Readjustment Assistance Act of 1974, which require affirmative action to ensure equal opportunity in all aspects of employment. WaFd Bank does not discriminate on the basis of national origin or citizenship status as provided under the Immigration Reform and Control Act of 1986, or any other Federal or State legally-protected classes. WaFd Bank is committed to providing reasonable accommodations to employees and applicants with disabilities to the full extent required by the Americans with Disabilities Act (ADA). If you feel you need a reasonable accommodation pursuant to the ADA, you are encouraged to contact us at ************ EEO Policy Statement - WaFd Bank Know Your Rights: Workplace Discrimination is Illegal - click here for more information California Consumer Privacy Act- CCPA 2025 Requisition Post Information* : Posted Date 11/17/2025

The Analyst, Underwriting - SBL is responsible for processing and analytical duties in support of underwriting multifamily and commercial mortgage financing programs. The Analyst must demonstrate attention to detail, strong organizational skills, and analytical ability. The Analyst must take the initiative to drive the document request, collection, and underwriting process as well as independently analyze credit and financial information to determine the degree of risk associated with the loan. While working in an independent and reliable manner, teamwork and effective communication will also be necessary for success. Essential Duties and Responsibilities: Assists the Underwriter during the loan underwriting process by requesting, collecting, managing required documentation: Prepare, distribute, and maintain Due Diligence Checklists and Application Workbooks, updating regularly to meet target underwriting dates. Collect, review, and advise the underwriting team regarding receipt and status of all underwriting documentation. Establish and maintain loan files. Retain and organize loan documentation in appropriate electronic data storage folders. Order and obtain professional reports and verifications from external parties. Inputs and analyzes data: Verify and update property operating information in the underwriting analysis workbook. Upon receipt of borrower/sponsor financial statements, SREO, Underwriting Certificates, credit reports, and investor database credit checks: Review and notify Underwriter of any material issues; Transfer data from reports to underwriting analysis workbook and narrative. Upon receipt of professional reports (e.g. appraisal, engineering, environmental assessment, seismic analysis, zoning, and market reports), transfer data into underwriting analysis workbook and narrative. Assists the Underwriter in the preparation and submission of loan committee presentations, including drafting sections of the underwriting narrative as assigned and preparing exhibits. Assists with assembling loan package and delivering to Investors after closing. Processes invoices for payment and prepares final accounting. Work professional and harmoniously with team and coworkers Other projects and duties as assigned. Education, Skills and Experience: Bachelor's degree in Finance, Accounting, Real Estate, or Business Administration preferred. One to three years of commercial real estate experience required; multifamily strongly preferred. Experience with Fannie Mae and/or Freddie Mac Multifamily loan programs is considered a plus, but not required. Knowledge of financial statement analysis, general accounting, cash flows, and mortgage interest calculations. Knowledge of real estate finance and/or investment real estate, including multifamily, retail, and office. Highly analytical thinking with demonstrated talent for identifying, scrutinizing, improving, and streamlining complex work processes. Results-driven achiever with exemplary planning and organizational skills, along with a high degree of attention to detail. Exceptional listener and communicator who effectively conveys information verbally and in writing. Resourceful team player who excels at building trusting relationships with clients and colleagues. Applicable knowledge of Microsoft Office suite. Annual base salary gross: $65k to $85k (CA only) . The base salary range represents the estimated low and high end of the ORIX USA's salary for this position. Actual base salaries will vary and will be based on various factors, such as candidate's qualifications, skills, competencies and proficiency for the role. The base pay is one component of ORIX USA's total compensation package for employees. Other rewards and benefits include cash bonuses, long term incentives, health insurance, accident and life insurance, and retirement benefits. Please visit our Benefits page for additional information. Life at ORIX We are committed to the health and well-being of our employees and offer a quality, competitive benefits package that provides valuable healthcare and financial protection for our workforce, while emphasizing a healthy work/life balance. You Time We want you to have the time needed to recharge and manage life with our competitive vacation policy, floating personal holidays, extensive leave options, our annual observed holidays, and more. Family Care Every family has a different journey and ORIX USA Group is proud to offer extensive benefit programs such as: infertility coverage, adoption support, child and elder care, fully paid maternity, and generous parental leave benefits to help you and your families along the way. Flexible Work Arrangements ORIX associates enjoy the advantages of our hybrid working model with a 3 day in-office minimum requirement. ORIX USA is an equal opportunity employer, providing equal employment opportunities (EEO), and is committed to diversifying its workforce. All employees and applicants for employment will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetics, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law. This policy applies to all terms and conditions of employment.

CoreVest is the leading private lender to residential real estate investors nationwide. CoreVest provides long-term loans for portfolios of rental properties. The Closing Analyst will be responsible for coordinating the long-term loan processing and funding, as well as interfacing with vendors, borrower teams and other third parties on diligence, processing and closing related activities. Responsibilities & Duties * Assist in the loan processing and closing process for commercial debt financing transactions backed by single family rentals (SFR) and multi-family rental portfolios * Conduct analysis and prepare reserves related to taxes and insurances, prepare schedule of lender costs, review settlement statements and/or Closing Disclosure (TRID knowledge is preferred) prepared by escrow, review deeds, commitments and address issues related to title issues * Work with legal counsel, title and escrow, insurance, deal team and third parties to coordinate the kick-off, bank account set-up, title review, finalize insurance, document preparation, loan signing, funding, and closing processes * Work with management team in developing policies and procedures related to the processing and closing related to term loans * Interface with borrowers to compile required data and information, and resolve diligence related issues while mitigating risks * Ensure closing packages are complete and facilitate boarding of closed loans with servicer * Effectively apply project coordination and loan closing standards and develop best practice and processes for closings * Work with underwriting team and review investment committee memo summarizing deal metrics * Assist with warehouse financing draws, securitization and facilitate post-closing issues raised by custodian or servicer * Develop and implement technology related process solutions * Manage third party vendor relationships related to the processing and closing of loans * Work well under pressure and handle multiple transactions in a fast-paced deal environment * Able to multi-task and respond to all communications internally and externally within 24 hours of receipt * Perform other related duties or special ad hoc projects as assigned * Exercise discretion, independent judgment, and problem-solving abilities to complete work assignments Required Experience & Education * Bachelor's degree with a major related to Finance, Economics or Real Estate preferred * Minimum of three years of processing and/or closing/funding * Experience in commercial lending-single family rental, multifamily, bridge (fix and flip), ground up and/or new construction lending a plus * Escrow and title experience a plus * Customer focused mindset with excellent interpersonal, written, and verbal communication skills * Proficient Word, PowerPoint and Excel skills * Experience in Salesforce * Strong attention to detail and organizational skills A reasonable estimate of the total compensation range for this role is $75,000-$85,000. The actual salary offer to the successful candidate will be based on job-related education, geographic location, training, licensure and certification, and other factors. CoreVest also offers a competitive benefit package including discretionary corporate bonus program, multiple health plans, STD and LTD options, company sponsored life insurance, fitness reimbursement, paid parental leave, time to volunteer, Paid Time off, ESPP, and 401K matching. At Redwood Trust, we are committed to fostering an inclusive workplace where diversity is valued, and everyone has the opportunity thrive. We welcome applications from individuals of all backgrounds and experiences. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Job Description CoreVest is the leading private lender to residential real estate investors nationwide. CoreVest provides long-term loans for portfolios of rental properties. The Closing Analyst will be responsible for coordinating the long-term loan processing and funding, as well as interfacing with vendors, borrower teams and other third parties on diligence, processing and closing related activities. Responsibilities & Duties Assist in the loan processing and closing process for commercial debt financing transactions backed by single family rentals (SFR) and multi-family rental portfolios Conduct analysis and prepare reserves related to taxes and insurances, prepare schedule of lender costs, review settlement statements and/or Closing Disclosure (TRID knowledge is preferred) prepared by escrow, review deeds, commitments and address issues related to title issues Work with legal counsel, title and escrow, insurance, deal team and third parties to coordinate the kick-off, bank account set-up, title review, finalize insurance, document preparation, loan signing, funding, and closing processes Work with management team in developing policies and procedures related to the processing and closing related to term loans Interface with borrowers to compile required data and information, and resolve diligence related issues while mitigating risks Ensure closing packages are complete and facilitate boarding of closed loans with servicer Effectively apply project coordination and loan closing standards and develop best practice and processes for closings Work with underwriting team and review investment committee memo summarizing deal metrics Assist with warehouse financing draws, securitization and facilitate post-closing issues raised by custodian or servicer Develop and implement technology related process solutions Manage third party vendor relationships related to the processing and closing of loans Work well under pressure and handle multiple transactions in a fast-paced deal environment Able to multi-task and respond to all communications internally and externally within 24 hours of receipt Perform other related duties or special ad hoc projects as assigned Exercise discretion, independent judgment, and problem-solving abilities to complete work assignments Required Experience & Education Bachelor's degree with a major related to Finance, Economics or Real Estate preferred Minimum of three years of processing and/or closing/funding Experience in commercial lending-single family rental, multifamily, bridge (fix and flip), ground up and/or new construction lending a plus Escrow and title experience a plus Customer focused mindset with excellent interpersonal, written, and verbal communication skills Proficient Word, PowerPoint and Excel skills Experience in Salesforce Strong attention to detail and organizational skills A reasonable estimate of the total compensation range for this role is $75,000-$85,000. The actual salary offer to the successful candidate will be based on job-related education, geographic location, training, licensure and certification, and other factors. CoreVest also offers a competitive benefit package including discretionary corporate bonus program, multiple health plans, STD and LTD options, company sponsored life insurance, fitness reimbursement, paid parental leave, time to volunteer, Paid Time off, ESPP, and 401K matching. At Redwood Trust, we are committed to fostering an inclusive workplace where diversity is valued, and everyone has the opportunity thrive. We welcome applications from individuals of all backgrounds and experiences. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Our client has an exciting opportunity for a detail-oriented Credit Analyst to join their team in Garden Grove from January 12, 2026 - July 31, 2026. In this 6-month temp/contract to hire role, you'll be responsible for conducting credit investigations and analyzing credit information pertaining to loans in support of the mortgage underwriting process. This includes verifying and updating credit data as requested by clients. You'll provide key operational support to our Production Team by managing the credit report supplement process. We're looking for someone passionate about: Providing exceptional customer service and problem resolution via phone and email Responding to inbound consumer and client inquiries and complaints Performing administrative tasks like correspondence, data entry, and internet research Analyzing credit files to identify missing or changed data Supporting the team however needed to deliver quality services The ideal candidate will have: Background in credit reporting, loan servicing, mortgage banking, and/or call centers 1 year of mortgage industry and/or credit experience Good PC and typing skills (25 wpm) Effective written and verbal communication skills Outstanding customer service skills and understanding of customer satisfaction High school diploma required; college degree preferred We offer a competitive hourly pay rate of $22.00. Shift: 8:30 AM - 5:00 PM PST | Location: Garden Grove, CA 92843 If you're a problem-solver who thrives in a fast-paced environment helping customers, we want to hear from you! This is a great opportunity to use your administrative and analytical skills to provide mortgage support services. next Source is proud to be an Equal Employment Opportunity and Affirmative Action employer. We do not discriminate based upon race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, veteran status, marital status, parental status, cultural background, organizational level, work styles, tenure, and life experiences or for any other reason. next Source is committed to providing reasonable accommodation for qualified individuals with disabilities in our job application procedures. If you need assistance or accommodation due to a disability, you may contact us at talent@next Source.com. What next Source Provides: Healthcare Benefits including Medical, Prescription, Vision & Dental Coverage | United Healthcare Voluntary STD & LTD | New York Life 401(k) Retirement Planning | Fidelity Discount Program *You are Eligible to participate in the benefits program if you are considered a full-time employee of next Source, working at least 30 hours per week on a consistent basis. Your coverage will be effective on the 1st of the month following 60 days of employment.

Join our team as a Call Back Analyst and play a key role in turning approvals into contracts. You'll call dealerships on applications that have been approved or conditionally approved through our automated decisioning process and will provide solutions with the goal of capturing the contract while assessing the overall risk of the application. Using UACC's common-sense lending approach, you will build strong dealer relationships over the phone, deliver outstanding service, and help drive business growth while representing a trusted brand in the auto finance industry. Essential Duties and Responsibilities As a Call Back Analyst, you'll be the bridge between approvals and signed contracts, turning opportunities into results while building lasting dealer relationships. You will: Close the loop - Call our dealership partners to rehash approvals with the goal of capturing the contract while providing solutions and assessing the overall risk of the application. Match the right fit - Ensure sales contracts meet program and guideline specifications or counteroffer to a different program to evaluate risk and price the application accordingly Be a trusted partner - Work hand-in-hand with dealerships, Area Managers, and our Sales/Marketing team to strengthen relationships and drive success. Add value to every deal - Review deals with dealers and help structure or restructure them for the best possible outcome. Bring solutions to the table - Gather key information to recommend alternative products or programs when appropriate. Educate and empower - Clearly explain the “why” behind credit decisions, helping dealers understand our approach and build confidence in our partnership. Aim high - Consistently hit or exceed monthly goals for production, quality, and customer satisfaction. Collaborate for success - Work closely with internal teams like Funding and Sales to keep deals moving smoothly. Stay adaptable - Jump in where needed to support the team and company goals. Qualifications We're looking for a motivated professional who thrives in a fast-paced, relationship-driven environment. Skills & Abilities Excellent communication and interpersonal skills Strong organizational and time management abilities Proven ability to build relationships with dealers, sales/marketing teams, and peers Skilled negotiator with a drive to win in a competitive market and ability to think outside the box Compensation Range: $18.00 - $21.00 an hour, based on experience Uncapped Bonuses, Averaging $1,100 - $1,500 monthly Expected Total Compensation including Average Bonuses = $52K - $58k plus!! Education/Experience Bachelor's degree preferred (or equivalent combination of education and experience) Auto finance or financial services experience preferred but not required No certifications or licenses required Technical Skills Proficient in Microsoft Office, Google G Suite, and Teams Commitment to Diversity and Equal Employment Opportunity United Auto Credit Corporation, a wholly owned indirect subsidiary of Vroom, is an equal opportunity employer committed to creating and supporting a work environment where all employees can find their drive. To do that, we champion a workplace where each and every person is treated with dignity and respect and is valued for their unique perspectives and contributions. We believe our values of SPEED (Service, Progress, Employees, Engagement, and Development) are best realized in an environment, whether physical or virtual, where every individual has the ability to bring their whole selves to work and contribute fully. UACC maintains a working environment that encourages mutual respect and promotes harmonious and friendly relationships among employees. The company prohibits any form of employment discrimination or harassment against employees, applicants, or other protected persons in the workplace based on a protected characteristic(s), regardless of who the source is of such conduct. Protected characteristics include race, color, religion, creed, sex (including gender, sexual orientation, gender identity or expression, or pregnancy, childbirth, or a related medical condition), national origin, ancestry, ethnicity, age, physical or mental disability, genetic information, service in the uniformed services, citizenship, or any other characteristic protected by federal, state, and/or local law. This commitment to antidiscrimination and antiharassment applies to all terms, conditions, and privileges of employment including, but not limited to, recruitment and hiring. UACC likewise provides reasonable accommodations to qualified applicants, employees, or other legally protected individuals in the workplace with a disability to enable them to participate in the job application process, to perform the essential functions of a job, or to enjoy the benefits and privileges of employment equal to those of other employees, except if the accommodation would pose an undue hardship. The company also makes reasonable accommodations for religious beliefs and practices. UACC complies with all applicable federal, state, and/or local laws relating to equal employment. Other Things to Note This posting is not intended to provide a comprehensive account of the duties and responsibilities that may be required of this position. Duties and responsibilities may change or be added at any time, with or without notice. Please review our privacy and CCPA policies.

ABOUT ALLSTATE FLORAL Allstate Floral is a leading home décor company that has become known for its innovative designs and breadth of high-quality artificial flowers and home décor accessories. Products include decorative flowers, plants, trees, home accents and holiday décor sold through a broad spectrum of global retailers, distributors, and interior designers. Allstate Floral fosters an energetic work environment of creativity and collaboration. As the leading importer with the largest in-stock decorative flowers, greenery and home decor, Allstate Floral is always looking to recruit and retain exceptional people who are skilled, confident, innovative and committed to providing excellent customer service to buyers. POSITION OVERVIEW The Credit Specialist/Sr. Credit Specialist at Allstate Floral are generally responsible for managing debts owed to creditors. This position oversees various operations necessary for resolving client debt repayment and evaluates the credit situation of a customer to identify debtors and credit level. ESSENTIAL FUNCTIONS Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Process customers' credit application and obtain required documents. Analyze and assess customers' creditworthiness. File customer credit application. Response to credit inquiries from mutual vendors. Document customer credit history. Check existing customers' credit with mutual vendors as needed for credit term and limit adjustment. Reply account credit status inquiries from customers, sales representatives, and internal staff. Collect payments from customers. Perform customers' account reconciliation and keep customers' account as current as possible. Establish and maintain regular communications with customers to accelerate periodic payments. Identify delinquent accounts requiring external collection efforts. Initiate collection action against debtors who dodge, ignore, or refuse payment after numerous collection attempts. Document collection activities. File proof of claim for accounts filed bankruptcy. Post payments, make bank deposits, and review reports to apply on account credit and collect short payments. Research deductions, coordinate with Customer Care and Sales to solve the discrepancies. Scan and save copy electronically for all checks, ACHs, wire transfers, and cash deposits. Research credit card charge backs and file dispute if necessary. Provide Credit Processing with copies of the checks indicating deductions taken on the daily bases for account reconciliation and on account credit application purpose. Note payments posted on account. Update postdated payments information to customers' account. Regular and reliable attendance is essential for this role COMPETENCIES Technical Capacity. Business Acumen. Communication Proficiency. Ethical Conduct. Problem Solving/Analysis. Strategic Thinking. WORK ENVIRONMENT This job operates in a clerical office setting. The role routinely uses standard office equipment such as computers, phones, copiers, filing cabinets, and fax machines. When expected to travel to trade shows, the environment becomes the showroom. 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 the job. This is largely a sedentary role; however, work is performed in an office environment and requires the ability to operate standard office equipment and keyboards. While performing the duties of this job, the employee is regularly required to talk and hear. This position is very active and requires: standing and sitting at will, walking, and bending as necessary; lifting, carrying, pushing, and pulling items up to 35 pounds regularly without assistance and over 35 pounds occasionally with assistance; reaching overhead, at, or below shoulders; gross manipulation with hands and fine manipulation with fingers. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus. POSITION TYPE AND EXPECTED HOURS OF WORK This is a full-time position in our Cerritos, California, headquarters. Business hours are Monday through Friday, 8:30 a.m. to 5:30 p.m., however, additional or changes in hours may be required to meet work expectations. If requested to travel to trade shows, the expected days and hours of work will change accordingly. TRAVEL Travel is primarily locally during the business day. No travel outside of the office is expected for this position. REQUIRED EDUCATION AND EXPERIENCE High School Diploma 3+ years in an office customer service environment Bilingual Spanish proficiency preferred OTHER DUTIES 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. SALARY RANGE $25.00 hourly EQUAL EMPLOYMENT OPPORTUNITY Allstate Floral provides 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. Please see our Privacy Notice to California Job Applicants. Powered by JazzHR W9Ydi1r1kM

Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus. The role of the Senior Credit Analyst is to provide basic credit analysis in support of the lending function across the Bank including, but not limited to, spreading of financial statements, tax analysis, compliance monitoring, and tickler monitoring. ESSENTIAL DUTIES AND RESPONSIBILITIES Complies with, and stays abreast of, all policies and procedures, federal and state laws applicable to the job. Reviews all incoming requests for the Credit Management Division pursuant to submitted spread or covenant compliance request for completeness. Assigns daily spread and covenant compliance requests to the Credit Analyst team. Analyzes and spreads complex business financial statements and/or tax returns using Moody's Credit Lens. Compute complex covenant compliance measurements and processes Annual Term Loan Reviews as required by Business Loan Agreement or Guaranty. Prepares the monthly Marketable Securities Report and assists with the Month End Delinquency reports for the Board meeting. Uses Excel or other spreadsheet programs to complete complex personal cash flows from tax returns, personal finance statements, credit reports, and other financial information. Reviews business loan documentation in order to complete covenant compliance and Annual Term Loan Reviews. Discusses spread and covenant compliance requests and financial information with Credit Administrators, Center, and Department personnel. Prepares accurate, clear, and concise preliminary analysis of financial information presented, and formulates questions for review by Credit Officers and/or Credit Administrators. Provides high level administrative support to the Credit Management Department on an as needed basis under the direction or the Chief Credit Officer or the Deputy Chief Credit Officer. Provide, present, and promote the Citizens Experience to all external and internal customers. Other duties as assigned. SUPERVISORY RESPONSIBILITIES No direct supervisory responsibilities, however, the Senior Credit Analyst may assign daily tasks to the Credit Analyst team at the direction of the Credit Analyst Team Manager. QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION and/or EXPERIENCE Bachelor's degree (B. A.) from four-year college or university; or three to five years related experience and/or training; or equivalent combination of education and experience. Specific college-level courses in Accounting are considered necessary to the job, including Introductory Accounting and Intermediate Accounting coursework. LANGUAGE SKILLS Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. MATHEMATICAL SKILLS Ability to calculate figures and amounts such as discounts, interest, commissions, proportions and percentages. Ability to apply concepts of basic algebra and geometry, and interpret bar graphs. REASONING ABILITY 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. COMPUTER & SOFTWARE SKILLS To perform this job successfully, an individual should have basic computer skills and knowledge of Excel Spreadsheet software, MS Word, and Moody's Financial Analysis. CERTIFICATES, LICENSES, REGISTRATIONS N/A OTHER SKILLS and ABILITIES Good understanding of basic accounting concepts. Ability to multitask and change work priorities in a fast paced environment. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the associate is regularly required to talk or hear. The associate is frequently required to stand; walk; sit; and use hands and fingers to handle or feel. The associate is occasionally required to reach with hands and arms, and stoop, kneel, crouch or crawl. The associate is regularly required to operate a computer keyboard, mouse, calculator and telephone and reach with hands and arms. The associate must occasionally lift and/or move up to ten (10) pounds. WORK ENVIRONMENT The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The work environment is usually moderate. Salary range: $62,783.00 to $87,896.00

Job Details Tire Distributor Xperts HQ - Gardena, CA Full Time $75000.00 - $85000.00 Salary/year AccountingDescription JOB TITLE: Senior Credit Analyst TEAM MEMBER PERKS Along with a competitive paycheck, you will also get to enjoy a full suite of benefits including: Sick Time - 5 days Vacation Time - Earn up to 2-weeks on your first year of employment Paid Holidays and Floating Holidays Premium FREE Medical and Dental coverage options Vision Insurance 401(k) with company matching Life Insurance Discounts on Tires and Wheels Opportunity for advancement WE WANT TO HEAR FROM YOU IF YOU Pride yourself in problem solving/analysis Are results driven and customer oriented Have high attention to detail, accuracy and are highly organized Pride yourself on your ability to interpret and analyze complex data/analytics ESSENTIAL RESPONSIBILITIES: Perform detailed financial statement analysis of new and existing customers to assess creditworthiness Evaluate credit applications, trade references, credit reports, and industry-specific risk factors Identify high-risk accounts and recommend strategies for mitigation (e.g., tighter terms, collateral, guarantees) Partner with collections to resolve overdue accounts and minimize bad debt exposure Work closely with Sales, Finance, and Operations to balance risk with growth opportunities Advise senior management on credit exposures, trends, and portfolio health Recommend improvements to credit procedures, controls, and risk management processes Participate in internal audits and provide documentation as required Prepare monthly reports on credit exposure, delinquency trends, and aging performance Provide management with early warning signals and actionable insights REQUIRED QUALIFICATIONS AND SKILLS: Bachelor's degree in Finance, Accounting, Economics, or a related field (MBA/CPA/CFA preferred) 7-10 years of credit risk/credit analysis experience, preferably in distribution, wholesale, or automotive/tire industry Strong knowledge of financial statement analysis, cash flow assessment, and credit risk modeling Proficiency with ERP systems and credit bureau tools (e.g., D&B, Experian) Excellent analytical, problem-solving, and communication skills Ability to work cross-functionally and influence decisions at senior levels

Zions Bancorporation Zions Bancorporation, N.A. (NYSE: ZION) is a premier financial services company with ~$100B in assets operating through 8 brands in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. With a leading market share in small and middle-market banking, the Bank's 500+ client managers and 200+ wealth advisors have vigorous client development strategies that feed into Zions Capital Markets. Zions Capital Markets Zions Capital Markets provides targeted, client-driven financing and advisory solutions to help companies across our markets raise capital efficiently and execute strategic transactions effectively. Our approach is simple - help clients we know connect and tell their story to investors we know well. Zions Capital Markets brings "bulge bracket" solutions to the business customers of our local affiliates, as the platform is continually expanding our product capabilities to meet the evolving needs of our client base. The platform currently has teams of experienced professionals operating from offices in Salt Lake City, Houston, Los Angeles, Charlotte, Dallas, Ft. Lauderdale, and Orange County. We are currently looking for a Loan Syndications Agency Services Analyst to join our team in El Segundo, CA. Essential Functions: * Works directly with Loan Syndications Group, lending teams, participant banks and clients on the company's agented transactions. * Assists with Pre-Closing, Closing, and Post-Closing Support on Agented transactions and funds amounts as needed. * Functions as a liaison for day-to-day operations of the Agency Services Group to ensure timeliness and quality in all aspects of Agency Services Group. * Walks clients through how the process works and functions as the intermediator between the clients and syndications. * Handles transactions, renews contracts and processes through system, get pricing from credit agreements and system. * Continuously works with the Loan Syndications Group to evaluate the Agency Services Group tasks and functions to provide customer service to internal bank partners, external bank partners and clients. * Resolves problems and issues with team members to accomplish established objectives. * Other duties as assigned. Qualifications: * Requires a bachelor's degree in finance, business or a related field and 4+ yrs. of loan processing, loan operations and credit analysis or other directly related experience. A combination of education and experience may meet requirements. * Working knowledge of lending operations, processing, documentation, loan processes and procedures, laws and regulations. * Solid analysis and problem resolution skills. * Ability to maintain working relationships with clients, participant banks, internal lenders, LSG team members and management. * Good leadership skills and ability to focus on goals and operational efficiency. * Solid organizational, project management, follow-up and communication skills, both verbal and written. * Uses judgement and creativity within policies and practices. * Ability to view and solve problems from a customer's perspective. * Ability to manage and prioritize multiple projects and track details. * Must be detailed oriented. * Ability to meet deadlines. * Ability to lead or train lower-level staff. * Knowledge of various software applications including word processing and spreadsheets. Benefits: * Medical, Dental, and Vision Insurance * Employer-paid Life Insurance * 401(k) plan + generous company matching * Competitive compensation commensurate with work experience (some roles include incentives, mileage + travel time pay, and/or parking waivers. * Paid Time Off (Vacation, Federal Holidays, Sick) * Tuition Reimbursement for qualifying employees * Promotional opportunities offered from within This position is eligible to earn a base salary in the range of $77,700 - $85,000 annually depending on job-related factors such as level of experience.