Credit analyst jobs in North Carolina - 123 jobs

Job Title: Credit & Collections Analyst The Credit & Collections Analyst will serve as the primary point of contact for credit, collections, customer service, and cash application activities for an assigned customer portfolio. This role is responsible for managing customer accounts in a high-volume, fast-paced environment and supporting the achievement of cash collection and DSO goals. The position focuses on dispute resolution and account analysis rather than front-end collections. Key Responsibilities Manage collection activities for an assigned portfolio, ensuring consistent and timely follow-up in accordance with responsible collection practices Act as a customer-facing contact to resolve payment issues through proactive identification and resolution methods Investigate and resolve invoice discrepancies, deductions, claims, and disputes, including Fortune 500 customer accounts Analyze customer invoices to ensure compliance with contract terms and conditions Perform cash application and account adjustments as provided by Treasury backup Respond to customer email and phone inquiries within a 24-hour turnaround time Research and resolve customer claims using limited information and sound judgment Provide daily updates on unresolved issues and escalations Gather credit and collections reference information as needed Complete ad hoc projects and support departmental initiatives Effectively manage competing priorities under tight deadlines Required Qualifications 3-5 years of experience in Credit & Collections or Accounts Receivable within an accounting or finance environment Strong experience with dispute resolution, including researching claims, deductions, and chargebacks Experience supporting high-volume, B2B or commercial accounts Advanced proficiency in Microsoft Excel (pivot tables, VLOOKUP, formulas required) Strong understanding of billing, collections, and cash application cycles Excellent written and verbal communication skills Strong negotiation skills with the ability to drive payment commitments Ability to work effectively under pressure while maintaining a professional demeanor Preferred Qualifications Experience handling Fortune 500 customer accounts Experience using Oracle AR or other ERP systems (SAP, PeopleSoft, etc.) Background in a multi-company or matrixed organization Bachelor's degree in Accounting, Business, or related field (or equivalent experience)

Schedule: Hybrid schedule: Tuesday, Wednesday, Thursday in-office Monday and Friday remote Training period may require 5 days per week in-office Schedule assigned upon selection Position Summary The Credit & Collections Analyst serves as the primary point of contact for credit, collections, customer service, and cash application activities for an assigned portfolio of customers. This role is responsible for managing customer accounts in a professional and customer-focused manner while supporting the organization's cash collection and Days Sales Outstanding (DSO) goals. This position operates in a high-volume environment and is best suited for candidates with experience in similar fast-paced, complex portfolios. The role focuses heavily on dispute resolution and account research, particularly for Fortune 500 customer accounts, and is not a front-end collections role. The Credit & Collections Analyst reports directly to the Supervisor of Credit and Collections and works closely with cross-functional teams including Treasury, Customer Service, Sales, and Accounting. Key Responsibilities Credit & Collections Management Manage collection activities for an assigned portfolio, ensuring consistent and timely follow-up on delinquent accounts. Adhere to company policies and standards of responsible collection practices. Proactively identify payment issues and work collaboratively with customers to resolve them. Negotiate payment commitments and effectively address customer objections to secure resolution. Dispute Resolution & Account Research Handle dispute resolution for Fortune 500 customer accounts, including investigating and researching claims, deductions, and disputes. Analyze invoice discrepancies, contract terms, pricing, and billing accuracy to determine dispute validity. Partner with internal stakeholders to resolve disputes quickly and accurately. Demonstrate the ability to resolve issues with limited information by taking initiative and conducting thorough research. Customer Service & Communication Serve as a primary customer contact for credit and collections inquiries. Respond to customer email and phone inquiries within a 24-hour turnaround time. Maintain a professional, positive, and customer-focused demeanor at all times. Clearly communicate issues, root causes, and proposed solutions to both customers and internal teams. Cash Application & Reporting Perform cash application and account adjustments as provided by Treasury backup. Ensure accurate posting and reconciliation of payments and adjustments. Provide daily updates and feedback on unresolved issues and delinquent accounts. Analysis & Projects Analyze customer invoices to confirm compliance with contract terms and conditions. Complete ad hoc projects and reporting requests as assigned by management. Manage competing priorities under tight deadlines in a high-volume environment. Required Knowledge & Skills Strong understanding of billing, credit, and collections process cycles. Proven experience in dispute resolution for Fortune 500 customer accounts. Excellent written and verbal communication skills. Strong negotiation skills with the ability to gain customer commitment to pay. Ability to work effectively under pressure while multitasking and meeting deadlines. Experience working in a matrix organization and collaborating across departments. High attention to detail with strong analytical and problem-solving abilities. Technical Requirements Intermediate to Advanced Excel proficiency (Required) Candidates must complete an Advanced Excel Assessment Assessment must be attached to the candidate profile with the resume Excel score must be clearly listed at the top of the resume Proficient in Microsoft Office Suite (Excel, Word, Outlook) Experience with Oracle or similar multi-company accounting software preferred Experience & Education 3-5 years of collections experience within an accounting or finance environment Strong preference for candidates with high-volume, complex account portfolios Experience in a multi-functional role supporting multiple internal stakeholders High-tech or corporate enterprise experience preferred Bachelor's degree in Accounting, Business, or related field preferred (or equivalent experience)

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

Inside the Role The Credit Risk Controlling Analyst is responsible for delivering accurate and timely reporting on credit risk performance for DTFS U.S. and Canada. This includes month-end reporting, analysis of actual results, and contributing to the development of financial forecasts. The role involves identifying and resolving issues related to credit risk reserving, loss metrics, and delinquency reporting. This position collaborates closely with teams across Fleet Workout, Collections, Remarketing, and Financial Reporting. The analyst will also participate in special projects and investigations that support overall DTFS performance. Compliance with ICS requirements is expected as relevant to assigned responsibilities. 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 Pay offered dependent on knowledge, skills, and experience Benefits include annual bonus program; 401k company contribution with company match up to 8% as well as non-elective company contribution of 3 - 7% depending on age; starting at 4 weeks paid vacation; 13+ calendar holidays; 8 weeks paid parental leave; employee assistance program; comprehensive healthcare plans and wellness programs; onsite fitness (at some locations); tuition assistance and volunteer paid time off; short-term and long-term disability plans. What You Drive Responsible for reporting credit risk KPIs, loss forecasting and provisioning Month-end reporting including preparing monthly journal entries, updating spreadsheets, commentary Support TM1/ MIF Template/Corporate Customer Report submissions Participate in monthly Fleet SAC, Dealer SAC and Portfolio Performance Review meetings Provide special reporting for troubled Fleet customers Prepare monthly forecast and quarterly forecasts Prepare annual credit risk forecast Ad-hoc reporting and analysis of current loss and portfolio trends Support special projects; credit loss mitigation, IFRS9 policies, CMS system testing Support External Auditors, Financial Reporting and ICS requirements Monthly results presentation slides Maintenance of Credit Risk Tableau dashboard Knowledge You Should Bring BS/BA in Business, Finance, or Accounting and prefer 5-7 years of relevant experience or 8 years of relevant experience in lieu of degree Analytical skills: Ability to investigate discrepancies or issues in financial/credit data; strong analytical skills to identify trends, anomalies and drivers of risk PC/Software skills: Microsoft Suite of products, proficient in working with data analysis, reporting and visualization tools Attention to detail, customer focus, planning and organizing, problem solving and analysis, teamwork and collaboration Exceptional Candidates Might Have Understanding of credit risk KPIs (delinquencies, losses, recoveries, provisioning) Knowledge of loss forecasting methodologies and credit risk provisioning (including IFRS 9 concepts) Familiarity with portfolio performance metrics for fleet, dealer, and retail portfolios SAP/SAS Software/advanced analytics experience Strong Excel skills (pivot tables, advanced formulas, data manipulation) Ability to summarize complex credit risk data in presentations and commentary 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. At Daimler Truck North America, we recognize our world is changing faster than ever before. By listening to the needs of today, we're building to solve with cutting-edge solutions in sustainability and future driving technology across electric, hydrogen and autonomous. These solutions, backed by years of innovative success and achievement, continue DTNA's legacy as the undisputed industry leader. Our evolving brand portfolio is second to none, including Freightliner Trucks, Western Star, Demand Detroit, Thomas Built Buses, Freightliner Custom Chassis, and Financial Services. Together, we work as one team towards our envisioned future - building a cleaner, safer and more efficient tomorrow for all. That is what we are working toward - for all who keep the world moving. Additional Information This position is not open for Visa sponsorship or to existing Visa holders Applicants must be legally authorized to work permanently in the country the position is located in at the time of application Final candidate must successfully complete a criminal background check Final candidate may be required to successfully complete a pre-employment drug screen 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 North America 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 ************.

Join the Weisiger Group Team As a family-owned company under our fourth generation of leadership, we have built our business based on the principles of trust, integrity, and a desire to help our customers and employees succeed. Since 1926, we've supported the strength of our communities by supplying equipment for critical infrastructure and commerce, and by funding programs that advance social and economic vitality. Being around for nearly 100 years means we change and pivot to capture opportunities and avoid challenges. We make smart investments in our company and continuously improve as part of our vision to be a trailblazing company that's built to last. We're looking for hard-working, team-oriented professionals who enjoy working on new challenges every day. We believe our employees are the key to our success, and we're committed to providing a work experience that helps our team grow to their full potential. Join a leading solutions provider and be a part of a group of highly skilled technicians, sales and support team members who exist to serve as a trusted partner to our customers, communities, and fellow employees. Summary Under the supervision of Credit Manager, the credit analyst is responsible for researching and examining credit risks, assessing credit history and authorizing credit based on analysis of various reports. This position manages an account portfolio to ensure prompt receivable collections and minimizing bad debts. The person in this position must be a team player and be able to prioritize multiple projects. Essential Functions * Analyze credit risks based against company requirements in connection with granting credit approvals * Manages and conducts collections for the assigned account portfolio * Assist & coordinate equipment financing with 3rdparty lenders * Review & negotiate favorable finance options with customers and lenders * Maintain credit history and customer data within the SAP business system * Reviews and releases (as appropriate) sales orders placed on credit hold * Negotiates terms and conditions for purchase orders or customer contracts * Assist with litigation files such as liens, lawsuits and judgments * Evaluates customer records and determines if account needs to be closed, credit limit reduced or extended, or collection attempted based on credit history * Conducts accounts receivable meetings with management team * Provide business users with training on billing requirements, system and credit related processes * Conducts branch and customer visits as additional level of support * Ensures compliance of policies and procedures * Investigates complaints, verifies accuracy of charges, or corrects errors to account * Handles incoming customer service calls from internal & external customers * Works on special credit department projects and completes other tasks as assigned * Other duties as assigned. 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. Reasonable accommodations may be made to enable qualifying individuals to perform the essential functions. Education and/or Experience * Associate's degree required. Bachelor's degree highly preferred. * At least 3+ years of credit and collections experience highly preferred Computer Skills * Microsoft Office, SAP, DBS/AS400 Workplace Requirements The physical demands and work environment 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. Physical Demands While performing the duties of this Job, the employee is regularly required to stand; walk; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to sit. The employee must frequently lift, carry, push, pull and /or otherwise move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus. Work Environment While performing the duties of this Job, depending on site location, the employee may be exposed to moving mechanical parts and equipment. The employee may occasionally be exposed to high, precarious places, fumes or airborne particles; outside weather conditions and vibration. The employee may occasionally be exposed to wet and/or humid conditions; toxic or caustic chemicals; extreme cold; extreme heat and risk of electrical shock. The noise level in some work environments is occasionally loud. We are an Equal Opportunity Employer We require all employees to treat all our employees and candidates as equals. All personnel actions are conducted in the spirit of equal employment. We're committed to recruit, train, promote and retain associates without regard to race, color, religion, gender, gender identification and expression, national origin, marital status, age, disability, genetic information, military status, sexual orientation or any other characteristic protected by applicable local, state or federal laws. #Weisiger

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.

We are the leading provider of worldwide smart end-to-end supply chain & logistics, enabling the flow of trade across the globe. Our comprehensive range of products and services covers every link of the integrated supply chain - from maritime and inland terminals to marine services and industrial parks as well as technology-driven customer solutions. The Senior Credit Analyst plays a pivotal role in safeguarding DP World's financial integrity and enabling sustainable growth across Freight Forwarding and Contract Logistics. This position is responsible for designing and enforcing robust credit policies, managing the end-to-end customer credit application process, and ensuring risk-adjusted credit limits and payment terms are aligned with business objectives. By combining analytical rigor with sound judgment, the Senior Credit Analyst supports operational excellence, strengthens customer relationships, and contributes directly to the profitability and resilience of the business. KEY ACCOUNTABILITIES * Develop, implement, and continuously refine credit policies and procedures to ensure consistency, compliance, and alignment with global standards * Oversee the full credit application lifecycle, including reviewing financials, assessing creditworthiness, and approving credit limits and payment terms * Identify, evaluate, and monitor credit risks across customer portfolios; recommend proactive measures to minimize exposure * Partner with contract logistics and freight forwarding teams to embed credit controls into daily operations, ensuring seamless execution * Work closely with finance, sales, and operations teams in the US, Mexico, and ARO regions to balance commercial opportunities with financial prudence * Drive process enhancements, leverage technology, and adopt best practices to improve efficiency, accuracy, and transparency in credit management * Represent DP World's values and principles in all interactions, promoting integrity, accountability, and safety * Perform additional responsibilities as assigned to support evolving business needs QUALIFICATIONS, EXPERIENCE AND SKILLS * Undergraduate degree in Finance or a related discipline * 5-7 years of progressive credit analysis experience, with a proven ability to design and implement credit policies * Background in logistics or freight forwarding is a strong asset, providing insight into sector-specific risks and opportunities * Strong ability to interpret financial data, assess creditworthiness, and identify risk exposure with precision * Exceptional written and verbal communication skills; able to influence stakeholders and present complex information clearly to diverse audiences * Skilled at diagnosing root causes, developing innovative solutions, and navigating ambiguity with confidence * Meticulous in reviewing data and documentation, ensuring accuracy and compliance in all credit decisions * Adept at spotting gaps in logic, evaluating alternatives, and making sound, evidence-based recommendations * Comfortable working independently while thriving in cross-functional, multicultural teams; builds trust and alignment across finance, operations, and sales * Proactive in managing competing priorities, consistently meeting deadlines, and driving outcomes that support business growth * Maintains the highest standards of discretion and ethical conduct in handling sensitive financial information * Advanced skills in Microsoft Office Suite (Excel, Word, PowerPoint, Visio); ability to leverage tools for reporting and analysis * Willingness to travel internationally (30-50%) to support audits and on-site reviews * Fluency in English; additional languages (Arabic, Spanish, French, Mandarin, Hindi) are considered a valuable asset Please note: This position does not offer sponsorship for employment visas. Applicants must be legally authorized to work in The United States without sponsorship now or in the future. ABOUT DP WORLD Trade is the lifeblood of the global economy, creating opportunities and improving the quality of life for people around the world. DP World exists to make the world's trade flow better, changing what's possible for the customers and communities we serve globally. With a dedicated, diverse and professional team of more than 115,000 employees from 160 nationalities, spanning 78 countries on six continents, DP World is pushing trade further and faster towards a seamless supply chain that's fit for the future. We're rapidly transforming and integrating our businesses -- Ports and Terminals, Marine Services, Logistics and Technology - and uniting our global infrastructure with local expertise to create stronger, more efficient end-to-end supply chain solutions that can change the way the world trades. What's more, we're reshaping the future by investing in innovation. From intelligent delivery systems to automated warehouse stacking, we're at the cutting edge of disruptive technology, pushing the sector towards better ways to trade, minimizing disruptions from the factory floor to the customer's door. DP World is on a mission to transcend boundaries and bridge the gap between all nations and cultures - not just in what we do but also in how we behave. We are dedicated to creating a culture where everyone feels respected, supported, and empowered to reach their full potential. We believe that embracing inclusion and diversity, drives innovation and growth and helps us connect people, businesses, and societies. Free minds and different perspectives are changing our world, and together we can change what's possible. WE MAKE TRADE FLOW TO CHANGE WHAT'S POSSIBLE FOR EVERYONE. DP World is committed to the principles of Equal Employment Opportunity (EEO). We strongly believe that employing a diverse workforce is central to our success and we make recruiting decisions based on your experience and skills. We welcome applications from all members of society irrespective of age, gender, disability, race, religion or belief. By submitting your resume and application information, you authorize DP World to transmit and store your information in the world-wide recruitment database, and to circulate that information as necessary for the purpose of evaluating your qualifications for this or other job vacancies. #LI-HE2 #LI-Hybrid

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 of the underwriting and credit 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 Pay Transparency details US - IL - Chicago - 110 N Wacker Dr - Bank Of America Tower Chicago (IL4110), US - NY - New York - ONE BRYANT PARK - BANK OF AMERICA TOWER (NY1100) Pay and benefits information Pay range$60,800.00 - $110,000.00 annualized salary, offers to be determined based on experience, education and skill set.Discretionary incentive eligible This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.BenefitsThis role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

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 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.

We are seeking a highly motivated and detail-oriented Credit and Collections Analyst to join our team in our Charlotte, NC office. This is a permanent, full-time position reporting directly to the Supervisor of Credit and Collections. The ideal candidate will be a strong team player who can effectively manage and prioritize multiple responsibilities while maintaining a focus on delivering results. Essential Duties and Responsibilities: Review and perform collections for an assigned portfolio of customer accounts Proactively follow up on high-value invoices via phone and email in alignment with team collection strategies to ensure timely payment Investigate and follow up on past due accounts to determine root causes Identify and implement strategies to improve customers' DSO (Days Sales Outstanding) and reduce payment cycles Maintain accurate records, collection notes, and customer information in the Prophet 21 (P21) system Email monthly statements to customers within the assigned portfolio Review sales orders placed on credit hold and evaluate risk Assess payment history to determine credit hold status or credit limit adjustments Investigate and resolve unauthorized deductions in collaboration with the sales branch Establish repayment plans for delinquent accounts within policy guidelines Process customer credit card payments as required Develop and maintain strong partnerships with internal teams, including Sales, Cash Application, and Billing Build and nurture relationships with external customers, ensuring timely and professional communication Education and Experience Requirements: Bachelor's degree in Finance, Business Administration, or a related field 3 to 5 years of experience in B2B collections Proficiency in Microsoft Office, with strong skills in Microsoft Excel Experience with Prophet 21 (P21) software is strongly preferred Key Competencies: Strong analytical and problem-solving skills Excellent verbal and written communication skills Ability to work independently and within a team Capable of managing multiple tasks and priorities in a fast-paced environment Customer-focused with a proactive approach to issue resolution This is an excellent opportunity for a finance professional looking to grow their career with a stable and supportive organization. If you are passionate about credit and collections and enjoy building relationships both internally and externally, we encourage you to apply.

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. $17.00 - $17.50 Hourly

at Weisiger Group Join the Weisiger Group Team As a family-owned company under our fourth generation of leadership, we have built our business based on the principles of trust, integrity, and a desire to help our customers and employees succeed. Since 1926, we've supported the strength of our communities by supplying equipment for critical infrastructure and commerce, and by funding programs that advance social and economic vitality. Being around for nearly 100 years means we change and pivot to capture opportunities and avoid challenges. We make smart investments in our company and continuously improve as part of our vision to be a trailblazing company that's built to last. We're looking for hard-working, team-oriented professionals who enjoy working on new challenges every day. We believe our employees are the key to our success, and we're committed to providing a work experience that helps our team grow to their full potential. Join a leading solutions provider and be a part of a group of highly skilled technicians, sales and support team members who exist to serve as a trusted partner to our customers, communities, and fellow employees. Summary Under the supervision of Credit Manager, the credit analyst is responsible for researching and examining credit risks, assessing credit history and authorizing credit based on analysis of various reports. This position manages an account portfolio to ensure prompt receivable collections and minimizing bad debts. The person in this position must be a team player and be able to prioritize multiple projects. Essential Functions Analyze credit risks based against company requirements in connection with granting credit approvals Manages and conducts collections for the assigned account portfolio Assist & coordinate equipment financing with 3 rd party lenders Review & negotiate favorable finance options with customers and lenders Maintain credit history and customer data within the SAP business system Reviews and releases (as appropriate) sales orders placed on credit hold Negotiates terms and conditions for purchase orders or customer contracts Assist with litigation files such as liens, lawsuits and judgments Evaluates customer records and determines if account needs to be closed, credit limit reduced or extended, or collection attempted based on credit history Conducts accounts receivable meetings with management team Provide business users with training on billing requirements, system and credit related processes Conducts branch and customer visits as additional level of support Ensures compliance of policies and procedures Investigates complaints, verifies accuracy of charges, or corrects errors to account Handles incoming customer service calls from internal & external customers Works on special credit department projects and completes other tasks as assigned Other duties as assigned. 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. Reasonable accommodations may be made to enable qualifying individuals to perform the essential functions. Education and/or Experience Associate's degree required. Bachelor's degree highly preferred. At least 3+ years of credit and collections experience highly preferred Computer Skills Microsoft Office, SAP, DBS/AS400 Workplace Requirements The physical demands and work environment 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. Physical Demands While performing the duties of this Job, the employee is regularly required to stand; walk; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to sit. The employee must frequently lift, carry, push, pull and /or otherwise move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus. Work Environment While performing the duties of this Job, depending on site location, the employee may be exposed to moving mechanical parts and equipment. The employee may occasionally be exposed to high, precarious places, fumes or airborne particles; outside weather conditions and vibration. The employee may occasionally be exposed to wet and/or humid conditions; toxic or caustic chemicals; extreme cold; extreme heat and risk of electrical shock. The noise level in some work environments is occasionally loud. We are an Equal Opportunity Employer We require all employees to treat all our employees and candidates as equals. All personnel actions are conducted in the spirit of equal employment. We're committed to recruit, train, promote and retain associates without regard to race, color, religion, gender, gender identification and expression, national origin, marital status, age, disability, genetic information, military status, sexual orientation or any other characteristic protected by applicable local, state or federal laws. #Weisiger EEO/AA Employer. All qualified individuals are encouraged to apply.

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.

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

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

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: This job is responsible for performing more complex analysis aimed at improving portfolio risk, profitability, performance forecasting, and operational performance for consumer products and related divisions, such as credit cards. Key responsibilities include applying knowledge of multiple business and technical-related topics and independently driving strategic improvements, large-scale projects, and initiatives. Job expectations include working with business counterparts within the Line of Business and partner organizations including Risk and Product teams. The Student and Credit Builder Account Management team is seeking an Analyst responsible for managing proactive batch strategies and reactive client requests for Consumer Card credit line increases and graduation. The primary focus is to create, augment, and monitor account management strategies within emerging Card products (Student and Credit Builder). Key responsibilities include determining strategic priorities for the team, identifying trends, and leading efforts to maximize risk versus return for the business unit. Job expectations include using data and analytics to solve complex problems, coaching and developing associates, and partnering across technology, product, finance, legal, compliance, and risk leadership to drive responsible growth. Responsibilities: Performs complex analysis of financial models, market data, financial data, and portfolio trends to understand product performance and improve portfolio risk, profitability, performance forecasting, and operational performance Coaches and mentors peers to improve proficiency in a variety of systems and serves as a subject matter expert on multiple business and technical-related topics Identifies business trends based on economic and portfolio conditions and communicates findings to senior management Supports execution of large scale projects, such as platform conversions or new project integrations by conducting advanced reporting and drawing analytics based insights Required Qualifications: Proven analytical ability as demonstrated through 5+ years related work experience with 2+ years in a finance, credit, or risk analysis role. Expertise manipulating data (Teradata, SAS datasets) and using analytical tools such as Python, SAS, and/or SQL Excellent verbal and written communication skills, particularly technical writing and organizational skills A passion for learning and using data to derive trends, detect risks, and execute strategy projects Demonstrates a strong understanding of credit risk strategies, financial drivers, and credit operations with proven problem-solving skills Proficient in Microsoft Excel (pivot tables, functions, formatting, charts) Effective project management, ability to collaborate, manage, and expand relationships across the organization and with all levels of management Desired Qualifications: 4+ years experience using database software and analytical/reporting tools, such as SAS, SQL and/or Python, to access large relational data Bachelor's degree in mathematics, statistics, computer science, engineering, economics, finance, or a related quantitative discipline Expertise in identifying, assessing and mitigating risk with models. Familiarity with best demonstrated model risk management practices and proficiency in regulatory frameworks Prior experience with credit or fraud strategies and knowledge of policies for consumer and/or small business lending Previous experience in developing credit risk strategies or models preferred Analytic work experience in support of consumer or small business lending Strong working knowledge of the process and tools used for development, validation, implementation and documentation of scoring toolkits Passionate self-starter who is highly motivated to help the organization achieve its goals and thrives in fast-paced and highly dynamic environment Must be decisive, a team-player, client focused, creative, strategic, and be a thoughtful risk-taker Skills: Analytical Thinking Business Analytics Data and Trend Analysis Fraud Management Problem Solving Collaboration Innovative Thinking Monitoring, Surveillance, and Testing Presentation Skills Risk Management Data Visualization Interpret Relevant Laws, Rules, and Regulations Issue Management Oral Communications Written Communications Shift: 1st shift (United States of America) Hours Per Week: 40

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