Credit analyst jobs in Missouri

Services (B&CS) Ameren Services provides administrative support and services to Ameren Corporation and its operating companies, subsidiaries and affiliates. Ameren Services includes a wide range of skill sets and roles, from finance and legal experts to digital and cyber specialists, plus those charged with ensuring environmental compliance and operational safety. Together, we help execute a strategy that enables Ameren to deliver superior long-term value to customers, shareholders and the environment. Our benefits include: Medical coverage on date of hire 100% employer paid cash balance pension plan 401(k) with company match fully vested on date of hire Minimum of 15 days paid vacation and 12 paid holidays Paid parental leave and family caregiver leave Visit our Benefits & Perks Page for more information on benefits provided to regular full-time employees. About The Position Responsible for analyzing and reporting external and internal credit risk information, including providing advice and recommendations through technical analysis of credit information. The position is also responsible for negotiating credit issues with external counterparties. Key responsibilities include: Assist in / perform in-depth financial analysis of counterparties; recommend appropriate credit limits. Assist in / perform valuation analysis of proposed power, gas, emissions, coal, rail fuel surcharge hedging, and nuclear fuel deals. Advise traders and marketers of credit risk involved with potential customers, transactions and proposals. Obtain open lines of credit from counterparties and respond to counterparty requests. Assist in negotiations / independently negotiate credit sections of contracts, netting agreements and other agreements (e.g., ISDAs, NAESBs, and non-standard contracts for power, gas, coal, emissions, nuclear fuel, etc.). Run and distribute daily and weekly credit reports for Ameren's business lines and senior management. Assist in the preparation of materials for the company's Risk Management Steering Committee. Perform corporate level technical analysis of credit exposure reports and concentrations of credit risk to ensure compliance with Risk Management Policy. Negotiate parent guarantees, letters of credit and other credit enhancements for business lines. Work closely with front, mid, and back office to ensure integrity of master agreements and credit provisions. Assist in the generation of SEC and Rating Agency disclosures, including, but not limited to, liquidity analyses and margin requirements in the event of downgrade events. Track collateral issued to and posted by Ameren; make margin calls and handle incoming calls. Assist in maintaining credit risk information in the appropriate systems. Qualifications Bachelor's degree in an analytical field (finance, accounting, economics or related discipline) required. Three or more years relevant experience (in-depth analysis of financial statements, etc.) required. Experience supporting energy commodity trading or marketing in power and natural gas markets preferred. In addition to the above qualifications, the successful candidate will demonstrate: Microsoft Office proficiency. Working knowledge of mark-to-market (MtM) and other risk-related measurements preferred. Additional Information Ameren's selection process includes a series of interviews and may include a leadership assessment process. Specific details will be provided to qualified candidates. #LI-Hybrid Compensation Range: $71,100.00 - $110,200.00 At Ameren, base salary is one component of a competitive compensation package for employees. Our pay ranges are broad to allow for movement within our organization and to accommodate different skill sets and levels of expertise. We take into consideration a variety of factors including, but not limited to, skills, abilities, experience, education, credentials, and internal equity when determining the base salary offered. Roles are eligible for additional rewards including annual incentive payments based on individual and company performance. If end date is listed, the posting will come down at 12:00 am on that date: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, ethnicity, age, disability, genetic information, military service or status, pregnancy, marital status, sexual orientation, gender identity or expression, or any other class, trait, or status protected by law.

A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. In order to be the best, we hire the best! Benefits Offered by CoBank: Careers with a purpose Time-Off Packages, 15 days of vacation, 10 paid sick days and 11 paid holidays Competitive Compensation & Incentive Hybrid work model: flexible arrangements for most positions Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance Robust associate training and development with CoBank University Tuition reimbursement for higher education up to $10k per year Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution Associate Resource Groups: creating a culture of respect and inclusion Recognize a fellow associate through our GEM awards Job Description Takes leadership role in analyzing and developing credit-structuring alternatives within all Digital Infrastructure (DI) verticals including regional, large corporate/syndicated/sponsor and data center/tower/project finance including businesses owned by Financial Sponsors and other non-traditional investors. Independently leads the underwriting and portfolio management responsibilities across all DI verticals while providing credit leadership to guide the work of credit analysts and portfolio managers, while interfacing with relationship management, capital markets and division leadership staff. Reviews and approves credit actions across credit team based on delegated authorities. Key contributor to the achievement of volume, fee income, credit quality and overall profitability goals through interactions with relationship management, portfolio management, capital markets, leadership staff, direct customers and financial sponsors. Essential Functions Provides leadership on negotiation strategies, due diligence and credit evaluation while being responsible for complete credit package and managing appropriate resources to meet internal and external guidelines. Provides appropriate technical, industry and functional knowledge to credit, relationship management, portfolio management, capital markets and leadership staff, including leading communications/meetings, direct interface with clients and leading overall credit process across all DI verticals and most complex debt arrangements including project finance structures. Helps relationship management lead negotiations concerning the presentation and development of complex credit arrangements. Takes a leadership role in managing credit administration, account servicing, approval, loan closing, documentation, and monitoring. Reviews audits, interim statements, projections, and other pertinent financial information to provide expert analysis of financial trends. Acquires information from published industry reports, trade groups, customer meetings, journals, and other external sources to supplement and enhance the analysis of information provided by the borrower, agent bank and/or sponsor. Identifies strengths and weaknesses of the borrower, lending structure and evaluates specific risks to the bank. Independently analyzes and determines validity of customer/sponsor business plans based on an assessment of the industry outlook, competition, technology, management, and capital structure. Determines appropriateness and approach to sensitivity analysis, to provide alternative views on key risks associated with the proposed transaction. Provides estimates of company and/or collateral value with thorough market analysis, discounted cash flow and other methods depending on industry sector. Actively and independently monitors credit quality of high profile and complex accounts across a portfolio that spans all DI verticals. Takes pro-active approach with customer interaction, compliance reporting, research and evaluation to identify emerging trends/concerns and communicates trends and credit view with Relationship Management, Portfolio Management, Capital Markets and credit leadership. Ability to establish, lead and maintain direct communication with borrower and sponsors to execute deal process, portfolio management requirements and meet compressed internal and external deadlines. Leads interaction with Credit Approvals, Asset Review and other 3rd parties to support, defend and gain consensus on underwriting and portfolio management approaches on high-profile transactions across all DI verticals. Authors and presents research and analysis on specific industry sectors as part of DI's Center of Excellence in coordination with CoBank's Knowledge Exchange Division. Collaborates and provides guidance on enterprise valuation multiples published as part of COE and used as guidance in underwriting/portfolio management risk analysis which can ultimately lead to Probability of Default and Loss Given Default conclusions which can impact hold levels and syndication capabilities. Assists with internal research and portfolio analysis and prepares and delivers presentations on topics as assigned. Provides first level advice/assistance on procedures and work methods for others. Provides mentoring to credit and relationship management staff. Maintains expertise in leveraged lending, project finance type transactions and in all DI market sectors. Keeps abreast of industry trends and competitive environment. Identifies areas for improvement in templates, spreadsheets, programs, systems, and procedures used in credit origination process. Proposes possible solutions to problems. Approves or recommends credits for approval based on research and analysis completed by credit officers. Reviews and approves credit actions across credit team based on delegated authorities. Volunteers and serves on cross-functional teams related to improvement and efficiency initiatives and other bank wide goals and projects. Education Bachelor's Degree required Work Experience 8 years of credit experience in banking industry required 2 years experience in digital infrastructure preferred Experience in digital infrastructure may be substituted with relevant experience in leveraged finance role, sponsor finance, or project finance Physical Exertion Details Sedentary Exerting up to 10 pounds of force occasionally (Occasionally: activity or condition exists up to 1/3 of the time) and/or a negligible amount of force frequently (Frequently: activity or condition exists from 1/3 to 2/3 of the time) to lift, carry, push, pull, or otherwise move objects, including the human body. Sedentary work involves sitting most of the time, but may involve walking or standing for brief periods of time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met. Travel Requirement Details Occasional Travel occurs infrequently (typically, once a month or less). About CoBank The typical base pay range for this role is between $119,200 - $146,640. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance. The listed salary, other compensation and benefits information is accurate as of the date of this posting. This job will be posted for a minimum of five (5) business days or until the position is filled. CoBank reserves the right to adjust compensation for all positions and to modify or discontinue benefits programs at any time in its sole discretion, subject to applicable law. CoBank is a cooperative bank serving vital industries across rural America. The bank provides loans, leases, export financing and other financial services to agribusinesses and rural power, water and communications providers in all 50 states. The bank also provides wholesale loans and other financial services to affiliated Farm Credit associations serving more than 76,000 farmers, ranchers and other rural borrowers in 23 states around the country. CoBank is a member of the Farm Credit System, a nationwide network of banks and retail lending associations chartered to support the borrowing needs of U.S. agriculture, rural infrastructure and rural communities. Headquartered outside Denver, Colorado, CoBank serves customers from regional banking centers across the U.S. and also maintains an international representative office in Singapore. REASONABLE ACCOMMODATION We are committed to ensuring that our online application process provides an equal employment opportunity to all applicants, including qualified individuals with disabilities. If you are an applicant with a disability, or are assisting an applicant with a disability, and require accessibility assistance or would like to request a reasonable accommodation for any aspect of the application process, including completing an application, interviewing, or otherwise participating in the employee selection process, please submit a request by emailing *********************. Include your contact information and specific details about your requested accommodation. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time. CoBank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, or status as a protected veteran. We can recommend jobs specifically for you! Click here to get started.

NISA Investment Advisors, LLC (NISA) offers customized investment solutions for tax-exempt and taxable institutional clients. NISA manages over $295 billion in fixed income and equity securities and over $165 billion in derivative notional value. We seek bright, motivated individuals who can contribute to our growing team of professionals. Candidates with a high degree of independent thinking skills, strong analytical and quantitative skills, and team playing abilities are encouraged to apply. Responsibilities The Credit Research Analyst is a member of the Credit Research Team within the Portfolio Management Group. Collectively, the Portfolio Management Group is responsible for all credit investment and portfolio management activities. Bottom-up, fundamentally driven analysis and relative value opinions are at the core of the Credit Research Team's contribution. The Credit Research Analyst will assist the senior team members in maintaining coverage across multiple sectors. The candidate is responsible for: * Conducting extensive company and industry analysis and research * Building and maintaining detailed company financial models * Communicate investment ideas based on fundamental and relative value analysis * Maintaining an active dialogue with other members of the Portfolio Management Group as well as various external parties including sell-side analysts, rating agencies and company management teams * Actively monitoring investment positions across client portfolios * Completing various ad hoc assignments and projects Qualifications * Bachelor's degree in Finance, Economics, Accounting or related field * 3-7 years of relevant finance industry experience- direct equity or credit research experience is preferred * Achieved or working toward an advanced degree (e.g., MBA) or professional designation (e.g., CFA) is preferred * Familiarity with techniques and technologies related to quantitative/statistical analysis (e.g., Python) and Excel is preferred * Candidates must have a strong analytical background and the ability to interpret and synthesize large quantities of information from technical journals, financial reports and legal documents * Ability to work successfully in a team environment * Drive to perform at a high level under pressure and time constraints NISA's culture encourages collaboration and innovation. We seek self-motivated, intellectually curious individuals willing to push themselves and others in an environment that celebrates fresh thinking. We equip employees with the resources needed to excel and we encourage personal development. NISA is dedicated to internally cultivating and rewarding talent. Employees at NISA are provided with a wide range of benefits, including a complimentary onsite cafeteria, gym, health and wellness program, and educational assistance program. NISA is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.

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

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

Description Robert Half Finance and Accounting Contract Talent is currently seeking a temporary credit underwriter for a project assignment with our client. This is an individual contributor position that supports the credit team at our client's West County headquarters. The selected candidate will work on site five days per week and provide professional level underwriting and credit analysis support. Responsibilities: Conduct detailed credit analysis for commercial and banking related lending requests. Review financial statements and assess borrower strength. Prepare written credit summaries for management review. Support the underwriting team with daily workflow needs. Assist with evaluating credit risk and recommending appropriate credit actions. Collaborate with internal partners to ensure timely review and completion of underwriting tasks. Requirements: Previous experience in credit underwriting or commercial credit analysis. Strong ability to interpret financial statements and assess risk. Excellent analytical and written communication skills. Ability to work independently in a professional environment. Experience within a banking or financial services setting is preferred. Additional Info: Schedule: Monday through Friday on site at the West County headquarters. Assignment Length: Approximately 12 weeks. If you meet the qualifications and are ready to take the next step, call us at (314) 262 4344 for immediate consideration. We look forward to speaking with qualified candidates! Requirements - Proven experience in credit underwriting or commercial credit analysis. - Strong analytical skills with the ability to evaluate financial statements and assess risk effectively. - Excellent written and verbal communication abilities. - Demonstrated ability to work independently while maintaining a high level of professionalism. - Prior experience in a banking or financial services environment is highly desirable. - Proficiency in credit analysis tools and methodologies. - Attention to detail and accuracy in preparing reports and summaries. Robert Half is the world's first and largest specialized talent solutions firm that connects highly qualified job seekers to opportunities at great companies. We offer contract, temporary and permanent placement solutions for finance and accounting, technology, marketing and creative, legal, and administrative and customer support roles. Robert Half works to put you in the best position to succeed. We provide access to top jobs, competitive compensation and benefits, and free online training. Stay on top of every opportunity - whenever you choose - even on the go. Download the Robert Half app (https://www.roberthalf.com/us/en/mobile-app) and get 1-tap apply, notifications of AI-matched jobs, and much more. All applicants applying for U.S. job openings must be legally authorized to work in the United States. Benefits are available to contract/temporary professionals, including medical, vision, dental, and life and disability insurance. Hired contract/temporary professionals are also eligible to enroll in our company 401(k) plan. Visit roberthalf.gobenefits.net for more information. © 2025 Robert Half. An Equal Opportunity Employer. M/F/Disability/Veterans. By clicking "Apply Now," you're agreeing to Robert Half's Terms of Use (https://www.roberthalf.com/us/en/terms) .

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

located in St. Louis, MO. About Us: At INB, a career is more than just a job; it's a chance to make a meaningful impact in the communities we serve. As a locally owned, community-focused bank, we're proud to help individuals, families, and businesses achieve their financial goals through personalized service and trusted relationships. Our success is driven by a team that genuinely cares about our customers, our coworkers, and our community. When you join INB, you're not just joining a workplace; you're becoming part of a purpose-driven culture built on our core values: Caring, Creative, Teamwork, Balance, Working Smart, and Assertive & Enthusiastic. Together, we make a positive difference every day for our customers and for each other. Summary Evaluate the financial condition of commercial loan borrowers (individuals/businesses) using analytical, organizational, and communication skills. We seek a team player who will develop working relationships with lending/credit staff. Requirements Essential Duties and Responsibilities include the following. Other duties may be assigned. Spread and analyze corporate and individual financial statements and tax returns. Prepare credit presentations to be used in the credit approval process including cash flow analysis, forecasting of future performance, industry trends and loan performance histories. Assign risk ratings to support loan requests Maintain knowledge of all supportive software, compliance, and procedures as they relate to the loan department Studies economic trends in firm's industry or branch of industry to predict probable success of new customer. Adhere to the bank's policies, procedures, security requirements and government regulations. Working knowledge of loan policy and guidelines to assist in appropriate structuring. Prepare annual loan reviews of existing loan relationships to ensure complete information, communicating with lenders regarding missing information and applicable questions. Create and update covenant compliance checks. Occasional travel to Springfield, IL corporate office for department meetings or training. Supervisory Responsibilities This job has no supervisory responsibilities. 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. Excellent verbal and written communication skills. Ability to analyze financial statements/tax returns (profit and loss, balance sheet, and cash flow statements). Strong analytical skills and resourcefulness necessary to complete in-depth industry and market analysis. Ability to multi-task in a fast-paced environment. Strong attention to detail and accuracy while working independently to establish priorities and meet deadlines. Education and/or Experience Bachelor's degree in finance, accounting, or related field with a minimum of 7 years credit-related experience in banking or an accounting related field. Computer Skills Strong proficiency in PC application, including various software systems, including Microsoft Word and Excel and banking systems. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Group Insurance Benefits and Plans INB provides health, dental, vision, and life insurance benefits to all full-time employees. Coverage also is extended to their eligible dependents. Active employees make premium contributions based on plan selections. Please click the link below for all benefits that are offered. ************************************************************************************************************** The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions. ADA Disclaimer: In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for American with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis. INB, N.A. is committed to Equal Employment Opportunity with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment. It is INB's policy to afford equal opportunity to all employees and applicants for employment without regard to race, creed, color, sex, sexual orientation, age, marital status, national origin, disability, religion, veteran status, or any other basis prohibited by law. The EEO Law poster is available here: Know Your Rights: Workplace discrimination is illegal

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

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

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

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

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

Supervises day-to-day operations within the assigned department. The Cash Management Credit Balance Resolution Supervisor has the responsibility for overseeing all facets of credit resolution, including self-pay, commercial, and government insurance credits. Maintaining credit resolution outsourced vendor performance and collaborative relationships. Ensuring the accurate and timely processing of credits, active participation in system integration testing. Serves as a subject matter expert for credit resolution, actively staying abreast of best practices, and working towards achieving goals, optimizing revenue cycle performance, and ensuring the financial stability of the organization. + **"Please note that a video interview through Microsoft Teams will be required as well as potential onsite interviews and meetings."** **The following states are currently paused for sourcing new candidates or for new relocation requests from current caregivers: California, Connecticut, Hawaii, Illinois, New York, Rhode Island, Vermont, Washington** **Essential Functions** + Oversees the day-to-day revenue cycle functions including claims processing, denials, payments, customer service, and follow up on accounts. Oversees adjustments, insurance processing and verification, accuracy of billing and payment posting. Monitors workflow to ensure timely processing. Collaborates with department leadership team to evaluate service needs and volumes and adjust staffing levels accordingly. Assigns daily work schedules. Acts as a resource in the daily operations and activities of the department. Performs staff level duties as required. + Develops, implements and teaches new and evolving technologies. Communicates process and protocol to staff. Directs and coordinates training of new employees. Uses knowledge of insurance plans and contractual arrangements affecting payments, to research incomplete, incorrect or outstanding claims and/or patient issues. Investigates and resolves claims submission, disputes or complaints to resolution, as needed. Resolves billing/insurance issues and ensures compliance with departmental and governmental policies. + Supports the department leadership team in problem solving to address issues relating to volume or workflow processes. Promotes effective working relations and works effectively as part of a department/unit team and interdepartmentally to facilitate that department's ability to meet its goals and objective. Ensures coordination of services with other departments to promote the highest level of efficiency and patient satisfaction. + Assists with Human Resource management functions including interviewing, selection, orientation, education/training, feedback, performance evaluation, and policy and procedure development. With the support of the leadership team, writes and may deliver corrective action and/or coaching. Assists in updating and maintaining personnel files. Maintains and monitors Kronos records for employees. Presents and documents staff meetings as required. + Oversees production and quality of staff performance to maintain efficiency and accuracy. Collaborates with the department leadership team to resolve process issues or create new work flows to improve performance. Ensures compliance with applicable regulatory guidelines and established departmental policies and procedures, objectives, quality assurance program, safety, environmental and infection control standards. + Promotes mission, vision, and values of Intermountain Health, and abides by service behavior standards. + Performs other duties as assigned. **Skills** + Operations Management + Leadership + Human Resources + Regulatory Requirements + Workflow Process + Communication + Insurance Processing and Issues + Medical Terminology + Claims Processing + Collaboration + Time Management + Team Building **Qualifications** + High School Diploma or Equivalent is required. + Three (3) years of experience in back-end revenue cycle is required + One (1) year of team lead or supervisory experience required + Five (5) years of experience in back-end revenue cycle experiences preferred **Physical Requirements** + Ongoing need for employee to see and read information, labels, monitors, identify equipment and supplies, and be able to assess customer needs. + Frequent interactions with customers who require employee to communicate as well as understand spoken information, alarms, needs, and issues quickly and accurately. + Manual dexterity of hands and fingers to manipulate complex and delicate equipment with precision and accuracy. This includes frequent computer, phone, and cable set-up and use. + Expected to lift and utilize full range of movement to transport, pull, and push equipment. Will also work on hands and knees and bend to set-up, troubleshoot, lift, and carry supplies and equipment. Typically includes items of varying weights, up to and including heavy items. + Hybrid position, associate must be able to commute to the office to support clerical team when needed."Please note that a video interview through Microsoft Teams will be required as well as potential onsite interviews and meetings." + The following states are currently paused for sourcing new candidates or for new relocation requests from current caregivers: California, Connecticut, Hawaii, Illinois, New York, Rhode Island, Vermont, Washington **Physical Requirements:** Physical RequirementsOngoing need for employee to see and read information, documents, assess patient needs, operate monitors and computers, identify equipment and supplies.Frequent interactions with patient care providers, patients, and visitors that require employee to verbally communicate as well as hear and understand spoken information, alarms, needs, and issues quickly and accurately, particularly during emergency situations.Manual dexterity of hands and fingers to manipulate complex and delicate equipment with precision and accuracy. This includes frequent computer use and typing for documenting patient care, accessing needed information, medication preparation, etc.Will also bend to retrieve, lift, and carry supplies and equipment. Typically includes items of varying weights, up to and including heavy items.May be expected to stand in a stationary position for an extended period of time. **Location:** Peaks Regional Office **Work City:** Broomfield **Work State:** Colorado **Scheduled Weekly Hours:** 40 The hourly range for this position is listed below. Actual hourly rate dependent upon experience. $25.02 - $39.41 We care about your well-being - mind, body, and spirit - which is why we provide our caregivers a generous benefits package that covers a wide range of programs to foster a sustainable culture of wellness that encompasses living healthy, happy, secure, connected, and engaged. Learn more about our comprehensive benefits package here (***************************************************** . Intermountain Health is an equal opportunity employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. At Intermountain Health, we use the artificial intelligence ("AI") platform, HiredScore to improve your job application experience. HiredScore helps match your skills and experiences to the best jobs for you. While HiredScore assists in reviewing applications, all final decisions are made by Intermountain personnel to ensure fairness. We protect your privacy and follow strict data protection rules. Your information is safe and used only for recruitment. Thank you for considering a career with us and experiencing our AI-enhanced recruitment process. All positions subject to close without notice.

It's fun to work in a company where people truly BELIEVE in what they're doing! We're committed to bringing passion and customer focus to the business. Department: Collections Grade: 180 Salary: $23.36 The employee in this class is responsible for entry level work, including conducting audits of departmental practices to ensure compliance with laws and regulations. The employee will assist with reviewing the adequacy of internal controls and evaluate program efficiency and effectiveness. This employee assists the Systems Administrator and Systems Supervisor in customizing tax software and other third-party products provided by County vendors to meet the various needs and requirements of the department. They will review workflows. This employee provides basic support and routine training to all Collections employees when appropriate. This employee assists in testing software programs for accuracy and validity and assists with the technical aspects of billing and receipting processes. May be on 24-hour call for emergencies and must be available to oversee the running of programs and reports on as needed basis. Minimum Qualifications: Preference given for associate or bachelor's degree from an accredited college or university in Computer Science, Mathematics, Data Science, or related field; OR One year of experience in analytics, computer science, technology, or related field. Must submit to and pass a background check and drug screen. If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us!

Join Our Team as a Collections Analyst at GardaWorld Are you ready to take your career to the next level? Join GardaWorld, where we believe in empowering our team members to excel and grow professionally. As a Collections Analyst, you'll dive into a fast-paced, dynamic environment where your attention to detail, organizational skills, and ability to meet deadlines will be key to your success. If you're a motivated individual with a passion for collections and accounting, we want you on our team. Step into a role where your contributions truly matter and help us drive our mission forward. Ready to make an impact? Apply now! What's in it for You * Competitive Salary: $52,000.00 - $54,000.00 / year base, eliible for bonus program * Work Site Location: 100% Onsite at Corporate Office, St. Louis, MO * Set Schedule: Monday through Friday, 8:00 a.m. to 5:00 p.m. * Comprehensive Benefits: Medical, dental, and vision insurance plans, 401(k) with employer matching contributions, paid time off (PTO) policy, paid holidays, disability coverage, and life insurance options. * Career Growth: Career growth opportunities at GardaWorld Your Responsibilities * Engage with Customers: Reach out to clients via phone and email, maintaining a professional and friendly demeanor while securing timely payments and addressing any concerns with precision. * Investigate and Resolve Billing Errors: Dive deep into billing discrepancies, using your keen eye for detail to identify issues and quickly initiate corrective actions that get results. * Drive Collection Success: Take charge of your assigned portfolio, proactively reducing past-due amounts and ensuring customers understand the importance of keeping their accounts current. * Master Cash Application Troubleshooting: Spot cash application errors with ease and take swift action to correct them, ensuring accuracy and smooth financial operations. * Navigate Chargebacks Like a Pro: Understand, investigate, and resolve chargeback deductions, ensuring our financials stay in top shape. * Take Ownership of Projects: Tackle various duties and special projects with enthusiasm, continuously improving processes and contributing to the team's overall success. * Be the Solutions Provider: Work collaboratively with customers and internal teams to not just resolve issues but offer valuable solutions, ensuring long-term satisfaction and success. Your Qualifications: * Authorized to work in the United States * Able to pass an extensive screening process * Prior business-to-business collections experience OR a four-year business degree (accounting, finance, business administration, or related) Your Skills and Competencies: Competencies: * Attention to Detail * Organization * Problem-Solving * Communication * Time Management * Customer Service Orientation * Basic Accounting Principles / Financial Acumen * Relationship Management * Adaptability Ideal Skills, Characteristics, & Experiences * Prior business-to-business (B2B) collections experience OR a four-year business degree * Detail-oriented and highly organized * A proactive self-starter * Strong communication skills with colleagues, clients and other stakeholders * Ability to problem solve and create reasonable solutions * Comfortable working with various computer programs (ERP Systems, Microsoft Office Suite, Customer Accounting Portals) GardaWorld: Make the World a Safer Place In the United States, GardaWorld Security remains the only guarding security company Certified by Great Place to Work. This could be more than a job - 26% of our corporate employees started as frontline workers. GardaWorld Security is a global champion in sophisticated and tailored security solutions, employer and training highly skilled and dedicated professionals across the globe, offering a wealth of opportunities to individuals looking to gain experience and develop professionally in a growing industry. It is the policy of GardaWorld Security Services to provide equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, veteran status, or disability in accordance with applicable federal laws. In addition, GardaWorld Security Services complies with applicable state and local laws governing nondiscrimination in employment. This policy applies to all terms and conditions of employment including, but not limited to hiring, placement, assignment, promotion, termination, layoffs, recalls, transfers, leaves of absence, compensation, and training. It is also the policy of GardaWorld Security Services not to honor requests that employees be assigned on the basis of sex or any other classification protected by law, unless such request is based on a bona fide occupational qualification for that assignment. Qualifications Education

Job Purpose: Accounts Receivable Analyst monitors and maintains the aging of the Electronic Health Record (EHR) System. Qualifications: Possession of a High School Diploma or equivalent with previous work in billing activities; OR Associate Degree in Accounting/Finance/Business related environment preferred. Must possess excellent verbal communication skills to deal with staff, person(s)-served, etc. Core Job Duties: Verify daily billing by checking accepted and rejected services, making needed corrections able to identify by research and posting all other rejections needing corrections made by staff members. Works closely with the Access Coordinator Supervisors and Billing Manager regarding issues that may interfere with accurate reimbursement of services rendered. Identify and escalate issues to management in a timely manner. Work various unapplied and outstanding audit reports. Ability to handle large volume. Ability to establish and maintain effective working relationships with others. Compliance with learning/development assignments. Cross trained in essential department job duties and functions. Participation at relevant site staff meetings and in-service training opportunities. Notifies Billing Manager regarding the status of deadlines and job duties. Attention to detail is a high priority to ensure work tasks are being completed thoroughly and correctly. Capable of solving problems and making sound judgments and decisions based on fact. Work with other departments as needed with problems, questions or special projects. Orally communicate information effectively and accurately. Assure program operates within the constraints of the agency's certification (CARF, DMH) standards and strategic plan related to clinical care. Abide by program and agency policies and procedures. Other job duties and special projects as assigned.

Full-time Description The Credit/Collections Analyst is responsible for managing all credit and collection activities for assigned customers or locations. This role ensures timely payments, assesses credit risk, and supports internal and external stakeholders through effective communication and analysis. Job Responsibilities Contact, collect, and document all past-due accounts on a weekly basis; establish payment arrangements when necessary. Process credit applications by obtaining and analyzing public and non-public financial information to assess credit risk for new and existing customers. Assist customers with account reconciliations as needed. Build and maintain positive working relationships with customers, internal departments, and sales teams. Update and maintain credit files for active customer accounts. Analyze credit information and adjust credit limits in accordance with organizational policies. Prepare for regular credit meetings with updated collection notes and account statuses. Maintain Days Sales Outstanding (DSO) in alignment with established goals. Coordinate invoicing details and payment method arrangements with customers. Administer dormant or inactive account policies for assigned customers. Approve and prepare lien waivers and coordinate end-of-contract requirements. Work non-traditional or flexible schedules as needed; occasional travel may be required. Perform other related duties as assigned. Requirements 3-5 years of experience in credit, collections, finance, accounting, or a related field. Bachelor's degree in accounting, finance, or a related field preferred. Proficiency with Microsoft Office and ability to learn new technologies quickly. Positive attitude with the ability to build and maintain professional, long-term relationships with coworkers, customers, vendors, and other business partners. Strong customer-service mindset with a dedication to long-term customer satisfaction. Excellent verbal and written communication skills. Ability to work effectively across all levels of management. Detail-oriented with strong organizational skills, including the ability to manage multiple tasks and meet competing deadlines. Innovative problem-solver with a results-driven approach. Ability to thrive in a fast-paced and continually changing environment.

ROLE OVERVIEW We are seeking a Business Credit Analyst, this role plays an important part in evaluating commercial loan requests and supporting the growth of our business lending portfolio. You'll analyze financial data, assess risk, and prepare loan proposals that align with our credit union's standards and member-focused values. This position requires strong analytical skills, attention to detail, and a collaborative mindset. KEY RESPONSIBILITIES Work closely with the Asst. Vice President of Business Lending to build relationships with prospective business members and meet annual portfolio growth goals. Review and underwrite business loan applications in accordance with established policies and guidelines. Analyze financial statements, tax returns, credit reports, and other data to assess loan profitability and risk. Utilize Sageworks and other underwriting software to support credit analysis and documentation. Evaluate collateral sources and monitor the financial health of business borrowers. Prepare comprehensive loan proposals for presentation to the Loan Committee. Ensure loan files are complete, accurate, and compliant prior to closing. Serve as a subject matter expert on business lending products and procedures. PREFERRED QUALIFICATIONS Bachelor's degree in Finance, Accounting, Economics, or a related field (preferred but not required). 2+ years of experience in credit analysis, commercial lending, or financial services. Proficiency in Microsoft Word, Excel, and financial analysis tools. Strong understanding of financial statements and business tax returns. Excellent communication skills and ability to work in a member-focused, sales-oriented environment. Collaborative team player with strong problem-solving abilities. Professional demeanor and commitment to credit union policies and service standards.