Credit analyst jobs in North Carolina

The Credit Monitoring Analyst II supports the commercial credit monitoring and portfolio management for the Bank through the review and analysis of borrower and guarantor financial information, testing of financial covenants, and post-closing loan review to ensure alignment between loan approval, documentation, and tracking system. Duties & Responsibilities * Accurately calculate financial ratios and monitor Borrower's covenants for compliance as outlined in loan documents. * Effectively communicate all internal communication of the borrower's performance and trend analysis to the appropriate parties. * Completes post booking reviews on commercial loans to ensure accuracy of loan documents as outlined in the credit approval and ensure internal tracking of covenants are accurately built for internal tracking purposes. * Analyze and assess financial statements and credit history of existing and potential clients. * Provide additional support to Credit Administration as it relates to special projects as assigned. * Comply with all credit administration policies and procedures. * Prepare ad hoc reports as requested. * Provide back-up assistance to other team members at peak volume times, including but not limited to reviewing and analyzing Borrowing Base Certificates and reviewing financial statements for accuracy and advancement of next due date. * Mentorship of less experienced Credit Monitoring Analysts. * Complete Moody's Credit Modules, as assigned. * Comply with all credit administration policies and procedures. * Maintain the highest level of confidentiality of all information. * Provide extraordinary service while complying with all Bank policies and procedures. * Adhere to Busey Bank policies and procedures; comply with laws, regulations and industry best practices. * Reliable and predictable attendance; both onsite and remote. Education & Experience Knowledge of: * Strong oral, written and interpersonal communication skills * Intermediate understanding of credit analysis and financial statements. * Full understanding of balance sheets, income statements and cash flow statements * Full understanding of loan and collateral documents, including attorney prepared documentation * Strong problem solving and analytical skills Ability to: * Read and comprehends credit write-ups and loan documentation * Prioritize workflow, multi-task and work independently * Perform duties under frequent time pressures with high degree of accuracy and attention to detail Education and Training: * Requires bachelor's degree in Finance, accounting or business * Minimum 2 years of experience with credit loan documents and credit monitoring experience in the financial services industry. * Experience in nCino and Jack Henry preferred, but not required * Requires knowledge of Microsoft Office Compensation and Benefits Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance. (Base Pay Range: $62,000.00 - 82,000.00 /year) Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being-now and in the years to come-are important to us. Busey's Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information. Equal Opportunity Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment. Unsolicited Resumes Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies ("Agency"), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings ("Agreement"). Busey may consider any candidate for whom an Agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidate(s) without any financial obligation to the Agency, unless an Agreement is in place. Any email or verbal contact with any Busey associate is inadequate to create a binding agreement. Agencies without an Agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.

A Credit Analyst assists in protecting the financial assets of the company within CED Credit Offices. The desired candidate will use discretion and independent judgment to investigate credit granting, manage a portfolio of receivable accounts, and review and execute legal documents on the behalf of CED. The ideal candidate requires self-motivation, must prioritize effectively, and work successfully with minimal supervision. Reports to: Credit Manager Minimum Qualifications: + Proficiency with MS Excel + Excellent math skills + Experience in credit and collections + Excellent ability to read, write, and speak English Preferred Qualifications: + College degree - will consider related experience in lieu of degree + Strong negotiation skills + Proficiency with Microsoft Office Suite software + Detail oriented + Ability to solve problems + Must be a self-starter who can handle a heavy volume of work and be able to handle multiple tasks at the same time Working Conditions: + Largely sedentary role in an office environment + Routine use of office equipment such as computers, phones, photocopiers, fax machines, filing cabinets Supervisory Responsibilities: No Essential Job Functions: + Be able to manage a large accounts receivable portfolio which includes negotiating, financial review, and creating plans of action with customers and the Division Credit Manager. + Recommend best method of collection on delinquent accounts in collaboration with the Division Credit Manager and PC Manager. + Ability to review credit applications for credit granting, and establishing six figure credit limits. + Escalating collection activities as required by business circumstances. + Assisting the Division Credit Manager to maintain and enforce CED's lien and bond rights for secured projects. + Using experience and customer knowledge to determine the proper time to place accounts on credit hold in collaboration with the Division Credit Manager and PC Manager. + Face-to-face customer meetings to establish and maintain strong relationships with customers and PC Managers. + Negotiating differences with customers and making arrangements for payment and dispute resolution. + Presenting payment, status, plan, reports, and information to management for quarterly credit meetings. + Maintaining professional relationships with Managers and external customers. CED is an Equal Opportunity Employer - Disability | Veteran Other Compensation: The following additional compensation may be applicable for this position: + Profit Sharing Benefits: Benefits available for this position are: + Insurance - Medical, Dental, Vision Care for full-time positions + Life Insurance + 401(k) + Paid Sick Leave + Paid Holidays + Paid Vacation + Health Savings Account (HSA) and matching

Job Description Sr. Credit Risk Review Analyst - Commercial Lending Pittsburgh, PA $125,000 to $175,000+ Full benefits package Bonus + Paid Relocation Assistance Join our highly skilled Credit Risk Review (CRR) team as a Senior Credit Risk Review Analyst specializing in Commercial Lending. CRR's primary objective is to provide timely and independent assessments of credit exposures and credit risk, with results reported directly to senior management and the Risk Committee of the Board of Directors. In this hybrid role (3 days in-office, 2 days remote), you'll provide independent, expert assessments of Commercial credit exposures. You may also take on the responsibility of Reviewer in Charge, leading review engagements, managing reviewers, conducting portfolio analysis, and summarizing findings from credit file samples. Your deep understanding of commercial lending and credit risk practices will be crucial in providing valuable insights and recommendations to enhance our credit risk management. Responsibilities Execute Complex Reviews: Independently assess complex credit and credit-related transactions, including facility structures and underwriting processes, leveraging your expert knowledge of credit policies and procedures. Understand inherent risk and the materiality of risk for credit transactions. Validate and Ensure Accuracy: Validate scorecard risk ratings and borrower credit administration. Ensure a thorough understanding of portfolio issues, trends, and root causes to effectively manage credit portfolios. Independent Reporting & Communication: Independently complete work papers, track issues, compile supporting documentation, and follow up on exam findings with business leaders. Act as a Second Level Reviewer and effectively communicate credit risk review objectives, outcomes, and recommendations for issue remediation. Risk Analysis & Monitoring: Analyze risk in assigned credit portfolios by reviewing relevant reports and assessing trends. Provide expert analytical insights, identify risk concentrations, systemic trends, or issues, and participate in continuous monitoring for assigned portfolios. Leadership & Expertise: Oversee file review activities of other reviewers as the Reviewer in Charge for assigned business segment(s). Perform assessments of file review results and findings to determine final ratings and draft review reports. Serve as an expert resource to the team. Market Acumen: Demonstrate an expert understanding of the credit cycle and the impact of economic indicators on key driving metrics. Possess expert knowledge of how and where to leverage industry and economic research tools into the review process. Preferred Qualifications Extensive Credit Expertise: Robust credit knowledge and strong experience in Commercial credit extension and management. Experience with Complex Transactions: 10+ years of Credit Risk or Credit Underwriting experience, specifically with larger, more complex transactions in Commercial, CRE, Corporate Banking, Leveraged Lending, Middle Market, etc. Communication Skills: Strong verbal and written communication skills, with the ability to navigate and handle difficult conversations effectively with stakeholders. Banking Experience: Experience at larger banks (asset size $80B+). Deal Size Exposure: Experience with average deal sizes of $50MM. Underwriting Background: Experience in underwriting for ABL, Business Banking, Corporate Banking/Mid-Market, or Lower Mid-Market commercial segments.

Job DescriptionSr. Credit Risk Review Analyst - Commercial LendingCharlotte, NC Join our highly skilled Credit Risk Review (CRR) team as a Senior Credit Risk Review Analyst specializing in Commercial Lending. CRR's primary objective is to provide timely and independent assessments of credit exposures and credit risk, with results reported directly to senior management and the Risk Committee of the Board of Directors. In this hybrid role (3 days in-office, 2 days remote), you'll provide independent, expert assessments of Commercial credit exposures. You may also take on the responsibility of Reviewer in Charge, leading review engagements, managing reviewers, conducting portfolio analysis, and summarizing findings from credit file samples. Your deep understanding of commercial lending and credit risk practices will be crucial in providing valuable insights and recommendations to enhance our credit risk management. Responsibilities Execute Complex Reviews: Independently assess complex credit and credit-related transactions, including facility structures and underwriting processes, leveraging your expert knowledge of credit policies and procedures. Understand inherent risk and the materiality of risk for credit transactions. Validate and Ensure Accuracy: Validate scorecard risk ratings and borrower credit administration. Ensure a thorough understanding of portfolio issues, trends, and root causes to effectively manage credit portfolios. Independent Reporting & Communication: Independently complete work papers, track issues, compile supporting documentation, and follow up on exam findings with business leaders. Act as a Second Level Reviewer and effectively communicate credit risk review objectives, outcomes, and recommendations for issue remediation. Risk Analysis & Monitoring: Analyze risk in assigned credit portfolios by reviewing relevant reports and assessing trends. Provide expert analytical insights, identify risk concentrations, systemic trends, or issues, and participate in continuous monitoring for assigned portfolios. Leadership & Expertise: Oversee file review activities of other reviewers as the Reviewer in Charge for assigned business segment(s). Perform assessments of file review results and findings to determine final ratings and draft review reports. Serve as an expert resource to the team. Market Acumen: Demonstrate an expert understanding of the credit cycle and the impact of economic indicators on key driving metrics. Possess expert knowledge of how and where to leverage industry and economic research tools into the review process. Requirements Qualifications Extensive Credit Expertise: Robust credit knowledge and strong experience in Commercial credit extension and management. Experience with Complex Transactions: 10+ years of Credit Risk or Credit Underwriting experience, specifically with larger, more complex transactions in Commercial, CRE, Corporate Banking, Leveraged Lending, Middle Market, etc. Communication Skills: Strong verbal and written communication skills, with the ability to navigate and handle difficult conversations effectively with stakeholders. Banking Experience: Experience at larger banks (asset size $80B+). Deal Size Exposure: Experience with average deal sizes of $50MM. Underwriting Background: Experience in underwriting for ABL, Business Banking, Corporate Banking/Mid-Market, or Lower Mid-Market commercial segments. Benefits $125,000 to $175,000+ Full benefits package Bonus + Paid Relocation Assistance

The Commercial Credit Analyst analyzes complex commercial relationships mainly in the area of Commercial & Industrial and Investment Real Estate relationships. As the associate progresses in learning objectives, the Commercial Credit Analyst will underwrite complex commercial relationships, including evaluating compliance with underwriting policies and guidelines and working directly with lenders to author Credit Memorandums. Analysis includes, but is not limited to, the financial condition of the borrower, likelihood of achieving projections, relevant market and industry data, evaluation of repayment capacity, and complex individual tax returns. The Commercial Credit Analyst interacts with a variety of professionals and represents the bank in interactions with bank clients and other professionals, including client-facing responsibilities. ESSENTIAL JOB FUNCTIONS: Works independently on moderate to complex financial analysis with guidance from members of the credit leadership team and Commercial Underwriters Underwrites commercial loan relationships within established service levels Independently constructs financial models and performs financial analysis, including but not limited to, repayment capacity, discounted cash flows, and enterprise valuation Identifies underwriting policy and guideline exceptions using working knowledge of established policies and procedures Identifies key credit strengths and weaknesses and appropriate mitigating factors Maintains working knowledge of best practice and regulatory issues Assists in the preparation of Industry Studies as assigned that include, but are not limited to, i) a review of the regional and national markets, ii) analysis of the performance of the bank's portfolio, iii) analysis of the financial stability of the industry and key risks, iv) recommendation to senior and executive management regarding segment limits which ultimately are presented to the bank's board of directors for approval May be asked to participate in internal or cross-functional process improvement projects and other management reports May be asked to participate in or lead the validation of various reports and industry information JOB REQUIREMENTS: Bachelor's degree in Finance, Accounting, or Economics with sufficient credits in Accounting Demonstrates an understanding of credit management, credit operations, and commercial lending KNOWLEDGE/SKILLS REQUIRED: Excellent customer service skills Excellent business writing skills Strong verbal and written communication skills Excellent interpersonal skills High level of attention to detail, with strong problem solving & organizational skills Ability to perform effectively in fast-paced environment Working Knowledge of Microsoft Office, especially Word, Excel PHYSICAL AND MENTAL QUALIFICATIONS: Standing, walking, bending and stooping required Must be able to sit at a desk for long periods of time and use a computer Must be able to occasionally move or lift up to 10 pounds May be asked to work supplemental hours periodically Limited travel required occasionally during and after business hours The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified. NOT A CONTRACT

Inside the Role As a Fleet Workout Analyst, you'll be at the forefront of managing financial risk across our commercial fleet customer base. This role blends operations, collections, and credit functions to ensure timely payment collection and deliver tailored workout solutions during times of financial distress. You'll work closely with internal teams and external legal counsel to negotiate restructures, manage Special Assets accounts, and protect DTFS's collateral and security position. With exposure to executive management through the Special Assets Committee, this role offers a dynamic environment where your expertise directly influences the company's financial health. You'll also support Canadian fleet customers with relief and restructure requests, contributing to a collaborative and high-performing team culture. Posting Information We provide a scheduled posting end date to assist our candidates with their application planning. While this date reflects our latest plans, it is subject to change, and postings may be extended or removed earlier than expected. We Take Care of Our Team Additional Job Description• Typically requires a Bachelors Degree • Typically requires 2-4 years of relevant experience or 6 years experience in lieu of degree • Requires working knowledge and expanded professional experience in job field • Requires understanding of key business drivers • Works independently within guidelines and policies to solve problems of moderate complexity • Provides informal guidance to new team members • May lead projects or processes as required What You Drive at DTFS Manage a portfolio of distressed commercial fleet accounts with balances ranging from $1M to $400M+. Ensure timely collections and negotiate customized workout solutions including payment plans, collateral returns, and asset liquidation. Conduct operational and financial analysis of fleet customers, including review of financial statements and economic trends. Prepare detailed restructure proposals and present recommendations to senior management and credit committees. Monitor Special Assets accounts, maintain SAC database, and ensure compliance with internal guidelines and credit rules. Support compliance efforts by adhering to local and global credit regulations. Assist in training and coaching fleet collectors to enhance team performance and reduce company risk. Contribute to departmental projects, process improvements, and uphold DTFS values. Experience · Typically requires a Bachelors Degree; or 6 years of relevant experience in lieu of degree. · 3+ years of overall work experience in commercial finance. · Strong credit and collections knowledge. · Proficiency in Microsoft Office and mainframe systems. · Strong analytical skills and ability to interpret financial data. Might have · Experience with DTFS systems and applications: ALFA, PEGA, ECredit Pro, Credit Lens (Moody's). · Understanding of legal documentation and UCC code. · French language proficiency Where We Work This position is open to applicants who can work in (or relocate to) the following location(s)- Charlotte, NC US. Relocation assistance is not available for this position. Schedule Type: Hybrid (4 days per week in-office / 1 day remote). This schedule builds our #OneTeamBestTeam culture, provides an unparalleled customer experience, and creates innovative solutions through in-person collaboration. Daimler Truck Financial is the captive financial services provider for the Daimler Trucks North America family of commercial vehicle products, including Freightliner Trucks, Western Star, SelecTrucks, Sprinter Vans, Thomas Built Buses and Fuso. We have specialized in financing commercial vehicles for more than 40 years. This proven experience gives us critical insights into helping businesses overcome challenges unique to the trucking industry. Additionally, we offer a range of financing solutions that can be customized to meet each individual business's needs, from owner-operators to large fleet managers and nearly every venture in-between. To achieve our goal of being the first-choice provider of vehicle financial products and services that support our brands, dealers and customers, we are looking for talented, diverse and inspired people with the skills, experience and innovative spirit to provide a first-class experience at every turn. We are committed to providing a great workplace environment that fosters a culture of openness, support and camaraderie. Our employee programs and benefits are reflective of our values and are designed to promote growth, balance and wellness in many aspects of your career and life. Additional Information Applicants must be legally authorized to work permanently in the country of posting Final candidate must successfully complete a criminal background check Contractors, professional services, or other contingent workers should confirm with their local agency if they are eligible to apply for FTE positions EEO - Disabled/Veterans Daimler Truck Financial Services is committed to workforce inclusion and providing an environment where equal employment opportunities are available to all applicants and employees without regard to race, color, sex (including pregnancy), religion, national origin, age, marital status, family relationship, disability, sexual orientation, gender identity and expression (including transgender and transitioning status), genetic information, or veteran status. For an accommodation or special assistance with applying for a posted position, please contact our Human Resources department at ************ or toll free ************. For TTY/TDD enabled call ************ or toll free ************

New York, New York;Chicago, Illinois; Charlotte, North Carolina **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (*************************************************************************************************************************** **:** 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:** Responsible for all aspects ofthe underwriting andcredit management of Hedge Funds (HF)for the Global Markets business inclusive of trade approvals, internal credit ratings and limit management. This is a high-volume and fast-moving portfolio that utilizes a risk-based approach to drive revenue while maintaining appropriate credit risk disciplines. **Responsibilities:** + Credit analysis: Participate in initial and ongoing due diligence of HFs. Perform quantitative and qualitative credit assessment, setting internal ratings and recommending credit limits + Initial margin calculation: Determine initial margin (IM) and evaluate transactional risks associated with OTC and exchange traded derivatives, securities financing and structured trades + Trade approval: Hold delegated approval authority to approve trading floor request (OTC derivatives) or to make recommendations to higher authority levels. + Relationship management: Build strong working relationship with external HF clients, internal business partners including Sales, Structuring & Trading, Risk counterparts, Legal and Audit Function + Risk monitoring: Undertake regular exposure analysis including internal stress testing and IM back testing. Monitoring of performance and AUM flow data received from HFs + Trading documentation: Liaise with Legal and client in negotiating ISDA, CSA, GMRA etc. + Portfolio reviews: Preparation of portfolio reports and reviews, including analysis of OTC and F&O exposures, any counterparties of concern and other pertinent risk issues. + Candidate will be responsible for underwriting credit lines to support hedge fund client traded products. **Required Qualifications:** + 2+ years of prior hedge fund (Reg Fund or Financial Institution) risk management and/or hedge fund due diligence experience. + Proficient with Microsoft Office. + General knowledge of Hedge Funds, their strategies and financial derivatives. + Candidate will have significant exposure to Global Markets personnel including Trading / Structuring / Sales, as well various support partners. + Candidate must be comfortable working on transactions in a fast-paced capital markets/trading environment. + Ability to thrive in a fast-paced environment, consistently meet deadlines, and demonstrate strong quantitative and analytical skills **Desired Qualifications:** + Bachelor's Degree + Masters Degree + CFA Charter Holder **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 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. 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. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

Uwharrie Bank is a $1B community bank, headquartered in Albemarle NC. We are seeking a Commercial Credit Underwriter/Analyst to join our Credit Administration team. This position is responsible for the underwriting, review and evaluation of consumer and commercial loans and works closely with other credit analysts and reviews and completes financial spreads to evaluate the credit worthiness and quality of a loan request, and to ensure analyses are performed in a timely and accurate manner. Other responsibiliteis include the review and evaluation of large credit relationships by preparing extensive and comprehensive loan reviews, participating in Credit Committee by gathering, reviewing and preparing required reporting and presentation of loan reviews, and participating with lenders in making joint customer calls to ensure a thorough understanding and knowledge of the business, and providingconsultative support to lending staff to aide in making sound credit decisions, underwriting decisions, aide in structuring loans, assisting with credit issues, etc. General Qualifications Knowledge: A four-year degree in business, finance or accounting, or equivalent experience, is required. Formal commercial credit and/or underwriting training, from a financial institution is highly preferred. Experience: A minimum of five years experience in a banking or financial institution, with emphasis on commercial lending and/or credit administration. Additional experience in commercial credit underwriting, analysis or commercial lending experience, is required. Training and experience in reviewing residential and commercial appraisals is a plus. Skills: Position requires general accounting knowledge, solid analytical and underwriting skills, ability to manage time, prioritize and organize tasks, and work within defined timeframes. Requires excellent interpersonal skills, work with various internal and external contacts, and written and oral communication skills. Must be proficient with personal computer and knowledgeable of various software applications. Scope of Decisions: Position requires solid independent judgment, discretion and reasoning on a daily basis to perform sound underwriting, structuring and assessment of credit requests. Assists in the development and mentoring of credit analysts to ensure improved performance and profitability, and employee retention. May also act in a consultative capacity with lending staff, as required. ADA Requirements: Requires, vision, hearing, speech, concentration, learning, thinking, interaction with others, the ability to exercise self-control and the ability to multi-task under specific timelines. This position is located in Albemarle NC and is not a remote position.

The position of Credit Analyst II is responsible for reviewing financial information taken from the lending officers and making sure that the cash flows and credit package are developed correctly; assists loan officers in determining if additional information is needed; and organizes the information in a specific format to be given to the Credit Officer for review for approval consideration. In addition, the Analyst is responsible for providing package preparation guidance to junior analysts and lending officers and supporting the training efforts of the bank in this area. Able to analyze complex borrower and loan structures, consolidate financial information across a number of related borrowing entities and present a summary of financial analysis in an organized and comprehensive package. ESSENTIAL FUNCTIONS: Assists loan officers in performing pre-qualifications assessment and analysis of financial condition and risk of requests within the framework of Bank credit culture and current economic and industries trends. Assists in preparing spreadsheets and analysis of financial information including financial statements and tax returns. Provides the spreading of financial information to the Regional Credit Officer for review. Conducts industry peer comparisons, performs cash flow analyses and other such tasks and comparisons. Develops knowledge of financial industry, economy, market conditions, rates and competition. Prepares a written underwriting package for new loans where the obligor or relationship is considered complex or as required by the Regional Credit Officer. Uses Moody's Financial Analyst as analytical tool. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with employees. Operates computer terminal or personal computer to obtain and process data, do credit research or portfolio analysis. Answers telephones, answers questions from lending officers. Performs duties specific to the position and other functions as assigned. Assists with on-going computerization of the loan review function. Assists in training sessions for the lending officers when needed. Assists in maintaining the portfolio of loans where an individual borrower's total loan exposure is $1,000,000 or greater in the aggregate. This consists of working with the lending officers to make sure that all documentation is in file, that financial information is current, and any other items that may be required by the Regional Credit Officer. Completes annual compliance courses. Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. Adheres to all levels of our Service Excellence standards. Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. College degree in Business Administration, Accounting or Economics or related area with 3-5 years professional experience in the areas of financial analysis, loan origination and underwriting. Work related experience should include direct experience in financial analysis, financial ratio and industry analysis and a comprehensive level of branch operations, loan structuring and underwriting to include credit package preparation and memo writing for complex borrowing structures. Requires a working knowledge of loan structures for Commercial Real Estate, Commercial and Industrial and Asset Based Lending transactions and the lending concepts and structures customary and unique to each of these lending products. Working knowledge of complex borrower organizational structures and consolidated or consolidating financial statement presentations and financial ratio analysis to assist in developing global cash flow presentations and analysis of repayment capacity. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Strong organizational skills required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The Credit Analyst will support the field associates in completing credit memorandums for new and existing bank relationships. Key responsibilities include inputting and analyzing financial statement data and interpreting the repayment capacity of borrowers. The position will report to the Chief Credit Officer of the bank and work closely with Senior Credit Officers to minimize risk and help grow revenue for the bank. The Credit Analyst will be crucial in completing timely annual reviews of the bank's largest loan customers. PRINCIPAL ACCOUNTABILITIES: Time: Description: 10% Insure loan packages are complete according to bank policy. 25% Input and analyze financial statements and credit bureaus using proprietary bank software (primary tax returns). 20% Determine business and global cash flow of commercial borrowers. 15% Perform analysis on diverse types of collateral. 5% Assist lenders in determining the most appropriate loan structure. 5% Partner with bankers in completing credit memorandums for various sized businesses and requests. 10% Collaborate with bankers and Senior Credit officers to complete annual reviews on large borrowers. 5% Assist Chief Credit Officer with regulatory compliance. 5% Other duties as assigned. BASIC QUALIFICATIONS: Bachelor's degree and 2 years of experience in commercial or consumer lending or an equivalent combination of education and experience. ADDITIONAL QUALIFICATIONS: * Experienced in reading balance sheets, income statements, credit reports, personal financial statements. * Strong understanding of business entity legal structures, risk rating, and financial statement ratio analysis. * Ability to locate and use relevant industry analysis. PREFERRED QUALIFICATIONS: Excellent computer skills including experience with proprietary bank software and Microsoft Office. 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 and skills required of personnel so classified. Affirmative Action/Equal Employer

**Internship Program Duration** : 10 Weeks - February 23, 2026 - May 1, 2026 **Pay** : $20 Our 10-week internship offers a comprehensive and immersive experience for students interested in gaining practical knowledge and skills in the banking industry. Each week, you will be exposed to different leaders and aspects of the line of business. You will have the opportunity to complete projects that will help you understand the day-to-day operations of a bank and develop a well-rounded skillset. Additionally, you will have the chance to receive guidance from experienced professionals in the field, participate in meetings, and network with other interns and associates. By the end of the program, you will have gained valuable insights, built a solid foundation in banking practices, and potentially set the stage for future career opportunities at First Horizon. Join our Credit Loss Analytics team as an intern and gain hands-on experience supporting associates in vital risk management functions at First Horizon Bank. As part of our team, you will have the unique opportunity to learn about Economic Capital (EC) modeling, Current Expected Credit Losses (CECL), and Stress Testing processes that guide key decisions around portfolio management, capital adequacy, and client risk assessment. Work schedule and number of hours worked per week (minimum: 15 - 25 hours) are flexible, within normal business hours. **The Intern will learn and assist with the day-to-day duties of the Credit Loss Analytics Team members, including:** + Assist associates with data collection, preparation, and analysis related to EC, CECL, and stress testing of loan and investment portfolios. + Support model execution, testing, and documentation to ensure reliable outcomes for our internal stakeholders and regulators. + Participate in monitoring and explaining trends or unusual findings to both technical and non-technical audiences. + Contribute to ad hoc research, special projects, and continuous process improvements in support of the team's objectives. + Collaborate with associates to learn the end-to-end credit loss forecasting process. + Cross-train and actively expand your skillset, with exposure to all areas of credit risk modeling throughout your internship. **Qualifications and Skills:** + Actively pursuing a Bachelor's or Master's degree in business, finance, economics, mathematics, statistics, data science, or a related field. + Interest in building analytic and problem-solving abilities, with prior coursework or experience in data analysis or statistics preferred. + Familiarity with Excel required; exposure to SQL, Python, SAS, or R is a plus but not required. + Strong communication skills, especially the ability to summarize complex findings for audiences with varying technical backgrounds. + Eagerness to learn in a collaborative and fast-paced environment. **Computer and Office Equipment Skills** Microsoft Office Suite **About Us** First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ******************** (https://urldefense.com/v3/\_\_https:/********************/\_\_;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6\_kmPxl66\_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$) . **Benefit Highlights** - Medical with wellness incentives, dental, and vision - HSA with company match - Maternity and parental leave - Tuition reimbursement - Mentor program - 401(k) with 6% match - More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits **Follow Us** Facebook (****************************************** X formerly Twitter LinkedIn (*************************************************** Instagram YouTube (********************************************************** Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (**************************** notice from the Department of Labor.

The Credit Manager along with the Sales Manager are the second in charge at the individual branch location. The Credit Manager performs a wide variety of job functions at the direction of the General Manager, assisting and coordinating store activities to ensure safe, professional and profitable operations. The Credit Manager is accountable for meeting company objectives; maintain company quality standards and adhering to company policies. Principal Accountabilities Acquire and Maintain Customers Act as a customer liaison who resells the benefits of timely rental/lease agreement renewal payments Assist in managing store personnel; may direct activities of one or more employees Compliance with all applicable federal, state and local statutes Decipher, prepare and review store reports Document all customer commitments Ensure company standards for renewals, delinquencies and store collections are satisfied Fill out paperwork for submission to corporate support Follow monthly marketing plans and maintain internal quality control standards Manage customer accounts Managing inventory and cash assets Prepare daily work schedules, delivery schedules, assign tasks, enforce company policy All other duties deemed necessary for effective store management Requirements for Credit Manager Effective organizational skills Established collection skills Good communication skills Handle multiple priorities simultaneously Learn and become proficient in POS system Maintain professional appearance Must be able to read, write and communicate effectively in person and over the phone with employees and customers Negotiate and resolve conflict Plan, organize, delegate, coordinate and follow up various tasks and assignments Recognize and solve problems Must have proficient navigational skills with a satisfactory driving record and meet insurability requirements Regular and consistent attendance, including nights and weekends as business dictates Education and Experience Two years experience with Rent-to-Own, retail or other business emphasizing customer service, account management, sales and merchandising. General Physical Requirements Position routinely requires lifting, loading, moving, and using a dolly for merchandise 50-300 pounds Stooping, bending, pulling, climbing, reaching and grabbing as required Must be able to traverse multiple flights of stairs while carrying furniture, appliance, and electronics Prolonged driving and standing Must be able to work in and outdoors in a variety of climates and weather conditions. $16.00 - $17.00 Hourly

Title: Credit and Collections Specialist Department: Corporate / Accounting Reports to: Credit Manager Salary Range: The Credit and Collections Specialist will manage and review customer accounts daily. This position is responsible for various accounts receivables duties including reviewing credit applications and references, investigating past due payments and delinquent accounts. This position will work closely with Inside Sales Managers and Sales Assistants at the plants to maintain accurate customer account information, terms of sale and customer credit extensions when appropriate along with the Credit Manager. Education and Experience Associate's degree minimum, bachelor's degree in a related field of study preferred 1-3 years previous credit or collections experience, preferably in a large manufacturing setting Resources and tools for establishing customer accounts Experience with high volume invoicing and accounts receivables Experience with large quantities of customer accounts of all sizes Experience handling past due accounts, delinquent accounts and collection procedures Familiar with D&B online services or other similar credit resources Experience in having tough conversations with customers while maintaining professionalism and tact Summary of essential job functions Key responsibilities include but are not limited to: Maintaining accurate and current customer account information Establishing customer credit capacity based on references and job sizes Maintaining established procedures and etiquette when dealing with past due and delinquent accounts Communicating effectively with customers to establish payment methods and payment plans when needed Communicating with the accounting and financial team to resolve problems and issues as they occur Requirements: Minimum Requirements Must be proficient with Microsoft Office applications including Word, Excel, Power Point and Outlook Ability to multitask and stay focused in a fast-paced work environment Ability to read customer general ledger accounts Ability to learn and use company specific ERP software High volume data entry, time management, organization, filing and people skills are required Ability to occasionally move / lift smaller items weighing up to 25 lbs.

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions. We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here! It is the responsibility of the Correspondent Credit Analyst Intern to take ownership of all tasks and challenges that they encounter in the operation of their assigned position. This position is responsible for but not limited to supporting the Correspondent Division ARC team and the Commercial Loan Portfolio Management Staff and the Commercial Loan Officers by providing support to Credit Analysts and Sales Officers. ESSENTIAL FUNCTIONS Support sales team by providing client proposals. Performs support for sales for the ARC program. Ensures that all work prepared is timely and turned around within department guidelines and with the utmost accuracy. Helps prepare Rate Conversion Agreements for ARC deals that move to closing. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. COMPETENCIES Strong analytical skills Quick study and assimilation of complex data Ability to remain focused and task oriented Good written and oral communication skills Attention to Detail Self-Starter who requires minimal supervision Qualifications, Education, and Certification Requirements Education: Must be enrolled and obtaining a bachelor's degree in business, finance, or accounting. Preference is given to rising seniors and juniors. Experience: One to three years related experience and/or training Certifications/Specific Knowledge: Knowledge of Finance, Accounting and Business is recommended to have a good understanding of financial statements and to make industry evaluations. In accordance with Colorado law: Colorado pay for this position is anticipated to be between $0.00 - $0.00 , actual offers to be determined based on applicant's skills, experience and education.While the anticipated deadline for the job posting is 01-04-2026, we encourage you to submit your application as we may still consider qualified candidates beyond this date. Benefits | SouthState Careers Equal Opportunity Employer, including disabled/veterans.

Sr. Credit Risk Review Analyst - Commercial LendingCharlotte, NC Join our highly skilled Credit Risk Review (CRR) team as a Senior Credit Risk Review Analyst specializing in Commercial Lending. CRR's primary objective is to provide timely and independent assessments of credit exposures and credit risk, with results reported directly to senior management and the Risk Committee of the Board of Directors. In this hybrid role (3 days in-office, 2 days remote), you'll provide independent, expert assessments of Commercial credit exposures. You may also take on the responsibility of Reviewer in Charge, leading review engagements, managing reviewers, conducting portfolio analysis, and summarizing findings from credit file samples. Your deep understanding of commercial lending and credit risk practices will be crucial in providing valuable insights and recommendations to enhance our credit risk management. Responsibilities Execute Complex Reviews: Independently assess complex credit and credit-related transactions, including facility structures and underwriting processes, leveraging your expert knowledge of credit policies and procedures. Understand inherent risk and the materiality of risk for credit transactions. Validate and Ensure Accuracy: Validate scorecard risk ratings and borrower credit administration. Ensure a thorough understanding of portfolio issues, trends, and root causes to effectively manage credit portfolios. Independent Reporting & Communication: Independently complete work papers, track issues, compile supporting documentation, and follow up on exam findings with business leaders. Act as a Second Level Reviewer and effectively communicate credit risk review objectives, outcomes, and recommendations for issue remediation. Risk Analysis & Monitoring: Analyze risk in assigned credit portfolios by reviewing relevant reports and assessing trends. Provide expert analytical insights, identify risk concentrations, systemic trends, or issues, and participate in continuous monitoring for assigned portfolios. Leadership & Expertise: Oversee file review activities of other reviewers as the Reviewer in Charge for assigned business segment(s). Perform assessments of file review results and findings to determine final ratings and draft review reports. Serve as an expert resource to the team. Market Acumen: Demonstrate an expert understanding of the credit cycle and the impact of economic indicators on key driving metrics. Possess expert knowledge of how and where to leverage industry and economic research tools into the review process. Requirements Qualifications Extensive Credit Expertise: Robust credit knowledge and strong experience in Commercial credit extension and management. Experience with Complex Transactions: 10+ years of Credit Risk or Credit Underwriting experience, specifically with larger, more complex transactions in Commercial, CRE, Corporate Banking, Leveraged Lending, Middle Market, etc. Communication Skills: Strong verbal and written communication skills, with the ability to navigate and handle difficult conversations effectively with stakeholders. Banking Experience: Experience at larger banks (asset size $80B+). Deal Size Exposure: Experience with average deal sizes of $50MM. Underwriting Background: Experience in underwriting for ABL, Business Banking, Corporate Banking/Mid-Market, or Lower Mid-Market commercial segments. Benefits $125,000 to $175,000+ Full benefits package Bonus + Paid Relocation Assistance

Internship Program Duration: 10 Weeks - February 23, 2026 - May 1, 2026 Pay: $20 Our 10-week internship offers a comprehensive and immersive experience for students interested in gaining practical knowledge and skills in the banking industry. Each week, you will be exposed to different leaders and aspects of the line of business. You will have the opportunity to complete projects that will help you understand the day-to-day operations of a bank and develop a well-rounded skillset. Additionally, you will have the chance to receive guidance from experienced professionals in the field, participate in meetings, and network with other interns and associates. By the end of the program, you will have gained valuable insights, built a solid foundation in banking practices, and potentially set the stage for future career opportunities at First Horizon. Join our Credit Loss Analytics team as an intern and gain hands-on experience supporting associates in vital risk management functions at First Horizon Bank. As part of our team, you will have the unique opportunity to learn about Economic Capital (EC) modeling, Current Expected Credit Losses (CECL), and Stress Testing processes that guide key decisions around portfolio management, capital adequacy, and client risk assessment. Work schedule and number of hours worked per week (minimum: 15 - 25 hours) are flexible, within normal business hours. The Intern will learn and assist with the day-to-day duties of the Credit Loss Analytics Team members, including: * Assist associates with data collection, preparation, and analysis related to EC, CECL, and stress testing of loan and investment portfolios. * Support model execution, testing, and documentation to ensure reliable outcomes for our internal stakeholders and regulators. * Participate in monitoring and explaining trends or unusual findings to both technical and non-technical audiences. * Contribute to ad hoc research, special projects, and continuous process improvements in support of the team's objectives. * Collaborate with associates to learn the end-to-end credit loss forecasting process. * Cross-train and actively expand your skillset, with exposure to all areas of credit risk modeling throughout your internship. Qualifications and Skills: * Actively pursuing a Bachelor's or Master's degree in business, finance, economics, mathematics, statistics, data science, or a related field. * Interest in building analytic and problem-solving abilities, with prior coursework or experience in data analysis or statistics preferred. * Familiarity with Excel required; exposure to SQL, Python, SAS, or R is a plus but not required. * Strong communication skills, especially the ability to summarize complex findings for audiences with varying technical backgrounds. * Eagerness to learn in a collaborative and fast-paced environment. Computer and Office Equipment Skills Microsoft Office Suite About Us First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ********************* Benefit Highlights * Medical with wellness incentives, dental, and vision * HSA with company match * Maternity and parental leave * Tuition reimbursement * Mentor program * 401(k) with 6% match * More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits Follow Us Facebook X formerly Twitter LinkedIn Instagram YouTube

Requirements Minimum Requirements Must be proficient with Microsoft Office applications including Word, Excel, Power Point and Outlook Ability to multitask and stay focused in a fast-paced work environment Ability to read customer general ledger accounts Ability to learn and use company specific ERP software High volume data entry, time management, organization, filing and people skills are required Ability to occasionally move / lift smaller items weighing up to 25 lbs.

The Credit Manager along with the Sales Manager are the second in charge at the individual branch location. The Credit Manager performs a wide variety of job functions at the direction of the General Manager, assisting and coordinating store activities to ensure safe, professional and profitable operations. The Credit Manager is accountable for meeting company objectives; maintain company quality standards and adhering to company policies. Principal Accountabilities Acquire and Maintain Customers Act as a customer liaison who resells the benefits of timely rental/lease agreement renewal payments Assist in managing store personnel; may direct activities of one or more employees Compliance with all applicable federal, state and local statutes Decipher, prepare and review store reports Document all customer commitments Ensure company standards for renewals, delinquencies and store collections are satisfied Fill out paperwork for submission to corporate support Follow monthly marketing plans and maintain internal quality control standards Manage customer accounts Managing inventory and cash assets Prepare daily work schedules, delivery schedules, assign tasks, enforce company policy All other duties deemed necessary for effective store management Requirements for Credit Manager Effective organizational skills Established collection skills Good communication skills Handle multiple priorities simultaneously Learn and become proficient in POS system Maintain professional appearance Must be able to read, write and communicate effectively in person and over the phone with employees and customers Negotiate and resolve conflict Plan, organize, delegate, coordinate and follow up various tasks and assignments Recognize and solve problems Must have proficient navigational skills with a satisfactory driving record and meet insurability requirements Regular and consistent attendance, including nights and weekends as business dictates Education and Experience Two years experience with Rent-to-Own, retail or other business emphasizing customer service, account management, sales and merchandising. General Physical Requirements Position routinely requires lifting, loading, moving, and using a dolly for merchandise 50-300 pounds Stooping, bending, pulling, climbing, reaching and grabbing as required Must be able to traverse multiple flights of stairs while carrying furniture, appliance, and electronics Prolonged driving and standing Must be able to work in and outdoors in a variety of climates and weather conditions. $16.00 - $17.00 Hourly

The Credit Manager along with the Sales Manager are the second in charge at the individual branch location. The Credit Manager performs a wide variety of job functions at the direction of the General Manager, assisting and coordinating store activities to ensure safe, professional and profitable operations. The Credit Manager is accountable for meeting company objectives; maintain company quality standards and adhering to company policies. Principal Accountabilities Acquire and Maintain Customers Act as a customer liaison who resells the benefits of timely rental/lease agreement renewal payments Assist in managing store personnel; may direct activities of one or more employees Compliance with all applicable federal, state and local statutes Decipher, prepare and review store reports Document all customer commitments Ensure company standards for renewals, delinquencies and store collections are satisfied Fill out paperwork for submission to corporate support Follow monthly marketing plans and maintain internal quality control standards Manage customer accounts Managing inventory and cash assets Prepare daily work schedules, delivery schedules, assign tasks, enforce company policy All other duties deemed necessary for effective store management Requirements for Credit Manager Effective organizational skills Established collection skills Good communication skills Handle multiple priorities simultaneously Learn and become proficient in POS system Maintain professional appearance Must be able to read, write and communicate effectively in person and over the phone with employees and customers Negotiate and resolve conflict Plan, organize, delegate, coordinate and follow up various tasks and assignments Recognize and solve problems Must have proficient navigational skills with a satisfactory driving record and meet insurability requirements Regular and consistent attendance, including nights and weekends as business dictates Education and Experience Two years experience with Rent-to-Own, retail or other business emphasizing customer service, account management, sales and merchandising. General Physical Requirements Position routinely requires lifting, loading, moving, and using a dolly for merchandise 50-300 pounds Stooping, bending, pulling, climbing, reaching and grabbing as required Must be able to traverse multiple flights of stairs while carrying furniture, appliance, and electronics Prolonged driving and standing Must be able to work in and outdoors in a variety of climates and weather conditions. $16.00 - $17.00 Hourly