Credit analyst jobs in Mission Viejo, CA

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.

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

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.

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.

Perform the analysis of financial statements and tax returns using nCino for Account Officers to use in their recommendations for new and renewal extensions of credit. Calculate various financial ratios to assist in the ongoing monitoring of borrower compliance to financial covenants per loan agreements and the submission of financial documents. ESSENTIAL FUNCTIONS Manages ticklers and covenants and monitors receipt of financial documents pertaining to the existing credits using nCino. This may include financial statements for borrowers, owners and/or guarantors, tax returns, financial spreads, collateral information, covenants, borrowing base, credit reports, and projections. Prepares and analyzes financial spreads using nCino for private and public companies, prospect, individual and corporate tax returns according to the standard classification and guidelines established by the Bank. Prepares individual and global cash flows. Calculates covenant compliance based on Borrower's Loan Agreement (BLA). Forwards completed spreads to lending unit. Identifies and notifies lending unit of covenant violations and escalates to Credit Administrators as required. Maintains up-to-date knowledge on all Bank lending policies and regulations. Maintains up-to-date knowledge in financial spreads and basic GCF process. Completes quality spreads with supervision. QUALIFICATIONS Education: College degree in Finance, Accounting, Business, or related field preferred, or 2 years related experience in credit or financial analysis. Experience: Minimum one year (prefers two) of working experience in analyzing financial statements, cash flow analysis, familiarity with various industries, collateral issues and values, and analysis of guarantor personal financial statements and tax returns. Skills/Ability: Good working knowledge of accounting, credit policy and financial statement analysis. Good organizational and analytical skills. Good verbal and written communication skills. Ability to work successfully both independently and as a team player. Proficient in Microsoft Office (Word, Excel, PowerPoint, and Outlook). OTHER DETAILS $20.0 - $21.63 / hour Pay determined based on job-related knowledge, skills, experience, and location.This position may be eligible for a discretionary bonus.

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 Junior Credit Analyst to join our Private Asset Investment team in Newport Beach, CA. The Private Asset team manages a rapidly growing portfolio of over $20 billion of AUM and operates within the Pacific Life Investment division that manages over $130B of AUM. As a Junior Credit Analyst, you'll play a key role in Pacific Life's growth and long-term success by supporting the evaluation and management of existing private fixed income investments. You will work closely within a team of senior analysts to analyze credit risk, monitor portfolio performance, and contribute to investment decisions. The Junior Analyst role is the first steppingstone to building a successful career as an investment professional. There will be opportunities to gain experience in various asset classes within the Investment division. This role is on-site. You'll work at our state-of-the-art Newport Beach headquarters. We believe in empowering our employees to get work done both in and out of the office. This position will start Summer 2026. Specific start date to be determined. How you will make an impact: Support the credit analysis of private fixed-income investments including analyzing the overall financial strength and repayment ability of fixed-income issuers. Monitor and report on the performance of portfolio investments, identifying potential risks and opportunities, and translating quantitative and qualitative monitoring data into actionable insights. Collaborate with senior analysts to perform industry and market research. Collaborate with our legal team to monitor the compliance of counterparties with deal covenants. Participate in the installation, testing and evolution of new portfolio monitoring systems. The experience you will bring: Bachelor's degree in Finance, Economics, Accounting, or a related field < 2 years experience Strong analytical and quantitative skills, with attention to detail Excellent written and verbal communication skills Ability to work collaboratively in a team environment and manage multiple tasks simultaneously What will make you stand out: Ability to be a self-starter with a curious mindset, capable of investigating complex issues, making connections, and uncovering insights. Strong problem-solving skills and the ability to think critically and independently Experience with fixed income investments Familiarity with credit rating methodologies and risk assessment tools Experience with financial statement analysis Compensation: The base pay for this role is $89,400. You can be who you are. We are committed to a culture of diversity and inclusion that embraces the authenticity of all employees, partners and communities. We support all employees to thrive and achieve their fullest potential. What's life like at Pacific Life? Visit Instagram.com/lifeatpacificlife 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. 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.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve realworld challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-inclass. As a Credit Officer in Portfolio Management, you will have the opportunity to apply your proficiency in commercial real estate finance concepts/principles to various property types. You will be responsible for completing annual reviews on properties and borrowers, deriving appropriate risk ratings, and evaluating expected future performance. This role provides a unique opportunity to contribute to our team's success and growth. Job Responsibilities Complete annual reviews on properties and borrowers to derive appropriate risk ratings. Review annual property operating statements, rent rolls, and local market conditions to identify potential risk of default. Document and support concluded risk ratings. Perform field property inspections to assess overall property condition and any associated risk issues. Interact with Borrowers, Client Managers, Executive Credit Officers and other parties to obtain applicable data to perform a complete analysis. Excel in teamwork, which may include training of incoming Credit Officers. Required qualifications, capabilities, and skills Bachelors Degree or equivalent experience. Previous experience with credit analysis and review of commercial real estate loans. Previous experience in portfolio management, loan risk grading/ risk assessment. Strong organizational and time management skills – ability to multitask, prioritize, and work with others in an integrated way to achieve individual objectives and team results. Excellent written and verbal communication skills. Proficiency in Microsoft desktop tools including Word, Excel, Power Point and the ability to quickly acclimate to proprietary systems. 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.

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

JobID: 210677769 JobSchedule: Full time JobShift: Day Base Pay/Salary: Pasadena,CA $123,500.00-$230,000.00; Irvine,CA $123,500.00-$230,000.00; San Francisco,CA $133,000.00-$240,000.00 Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business 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.

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

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 Junior Credit Analyst to join our Private Asset Investment team in Newport Beach, CA. The Private Asset team manages a rapidly growing portfolio of over $20 billion of AUM and operates within the Pacific Life Investment division that manages over $130B of AUM. As a Junior Credit Analyst, you'll play a key role in Pacific Life's growth and long-term success by supporting the evaluation and management of existing private fixed income investments. You will work closely within a team of senior analysts to analyze credit risk, monitor portfolio performance, and contribute to investment decisions. The Junior Analyst role is the first steppingstone to building a successful career as an investment professional. There will be opportunities to gain experience in various asset classes within the Investment division. This role is on-site. You'll work at our state-of-the-art Newport Beach headquarters. We believe in empowering our employees to get work done both in and out of the office. This position will start Summer 2026. Specific start date to be determined. How you will make an impact: * Support the credit analysis of private fixed-income investments including analyzing the overall financial strength and repayment ability of fixed-income issuers. * Monitor and report on the performance of portfolio investments, identifying potential risks and opportunities, and translating quantitative and qualitative monitoring data into actionable insights. * Collaborate with senior analysts to perform industry and market research. * Collaborate with our legal team to monitor the compliance of counterparties with deal covenants. * Participate in the installation, testing and evolution of new portfolio monitoring systems. The experience you will bring: * Bachelor's degree in Finance, Economics, Accounting, or a related field * < 2 years experience * Strong analytical and quantitative skills, with attention to detail * Excellent written and verbal communication skills * Ability to work collaboratively in a team environment and manage multiple tasks simultaneously What will make you stand out: * Ability to be a self-starter with a curious mindset, capable of investigating complex issues, making connections, and uncovering insights. * Strong problem-solving skills and the ability to think critically and independently * Experience with fixed income investments * Familiarity with credit rating methodologies and risk assessment tools * Experience with financial statement analysis Compensation: * The base pay for this role is $89,400. You can be who you are. We are committed to a culture of diversity and inclusion that embraces the authenticity of all employees, partners and communities. We support all employees to thrive and achieve their fullest potential. What's life like at Pacific Life? Visit Instagram.com/lifeatpacificlife 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. 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.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve realworld challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-inclass. As a lead Credit Officer - Vice President in 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 loans. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. Additionally, 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 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 • Familiarity with regional markets and municipal regulations • 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 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.

JobID: 210677435 JobSchedule: Full time JobShift: Day Base Pay/Salary: Irvine,CA $77,900.00-$115,000.00; Pasadena,CA $77,900.00-$115,000.00 Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business 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 Credit Officer in the Credit Risk team, you will be conducting the essential credit analysis, performing due diligence, and reviewing documentation for new commercial real estate transactions with an emphasis on multifamily lending. 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 * Implement all facets of credit analysis on commercial real estate and multifamily loans. * Identify issues, concerns, evaluate results, and formulate effective recommendations in a timely manner. * 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. * 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 2 years of experience in commercial real estate lending or 3 years in other banking/finance experience. * Good understanding of multifamily real estate property valuations and cash flow analysis. * Strong 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 processes to complete credit analysis and other assignments as needed. * Familiarity with regional markets and municipal regulations. * Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. Preferred qualifications, capabilities, and skills * Experience as a loan underwriter in commercial real estate lending is highly desirable * Bachelor's degree in accounting, finance, economics, or real estate is preferred. * 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.