Credit analyst jobs in Norwalk, CT - 46 jobs

A leading financial services firm located in Greenwich, Connecticut is seeking a Private Banker to provide holistic wealth management solutions. The ideal candidate will have over six years of experience in private banking and a strong network to acquire new clients. Responsibilities include managing client relationships and offering tailored investment advice. Applicants must hold a Bachelor's Degree and relevant licenses, with a focus on a superior client experience. #J-18808-Ljbffr

Hours: 40 Pay Details: $32.00 - $47.75 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Credit Management Job Description: The Credit Analyst II is responsible for conducting in-depth industry and financial analysis of existing and potential borrowers. This job works cooperatively to support the Lending and Credit functions of the Bank. Depth & Scope: Responsible for financial analysis of moderately complex loans/industries/Customers Works more independently but under the guidance and review of lead staff Good understanding of loan risk factors Researches industry specific information from outside sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times) Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition Supports the lending function by providing analytical support Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos Monitors compliance with regulatory requirements Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk Achieves operational performance standards in quality and timeliness Education & Experience: 4 year degree or equivalent experience 2+ years related experience required Developed knowledge of credit and financial analysis techniques. Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on an increasingly independent basis. Strong oral and written communication skills. Strong analytical and research skills. Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software. Ability to multi-task and meet deadlines. Ability to maintain the confidentiality of credit and Customer information. Good interpersonal skills and a team orientation. Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel - Occasional International Travel - Never Performing sedentary work - Continuous Performing multiple tasks - Continuous Operating standard office equipment - Continuous Responding quickly to sounds - Occasional Sitting - Continuous Standing - Occasional Walking - Occasional Moving safely in confined spaces - Occasional Lifting/Carrying (under 25 lbs.) - Occasional Lifting/Carrying (over 25 lbs.) - Never Squatting - Occasional Bending - Occasional Kneeling - Never Crawling - Never Climbing - Never Reaching overhead - Never Reaching forward - Occasional Pushing - Never Pulling - Never Twisting - Never Concentrating for long periods of time - Continuous Applying common sense to deal with problems involving standardized situations - Continuous Reading, writing and comprehending instructions - Continuous Adding, subtracting, multiplying and dividing - Continuous 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. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.` Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

This role is eligible for our hybrid work model: Two days in-office. From accounting and financial planning to risk/fraud analysis and payments, our Finance team ensures not only our company's financial security, but also that our customers can buy from us with confidence. Why this job's a big deal: The Analyst, OTC, A/R and Revenue Operations will support changes related to OTC process improvements and analyze break/fix solutions on the Order to Cash system. This role will prepare business test cases and perform user acceptance testing as well as support data migration from current to new Billing system. The Analyst will perform root cause analysis and resolution of process issues that impact the AR and AP Operations. The Analyst will partner with Fintech, GL, RevOps , FinOps and Compliance to ensure that coordinated approaches are provided. This role requires a good understanding of order to cash lifecycle, financial management etc. This position plays a critical role in ensuring transactional excellence, effective cash management and mitigating credit risks. In this role you will get to: Lead moderate-sized, cross-functional initiatives by applying strong business judgment, systems expertise, and project management skills. Serve as a subject matter expert for Priceline's Order-to-Cash processes, including invoicing/billing, cash application, billed and unbilled A/R reconciliation, AP reconciliation with external invoices, intercompany transactions, collections, and dispute management. Perform data-driven root cause analysis to identify trends, gaps, and process inefficiencies impacting A/R, revenue operations, and cash application. Develop and maintain KPIs, metrics, and reporting to monitor OTC performance (e.g., DSO, aging, unapplied cash, billing accuracy). Leverage data analytics to provide actionable insights and recommendations that improve cash flow, reduce risk, and enhance operational efficiency. Partner with Fintech, GL , RevOps , , FinOps and Compliance organizations to develop end to en strategic solutions and root cause analysis. Balance business needs with IT standards to support informed decision-making on system changes and enhancements. Lead change management activities, including stakeholder communication, training support, and partner alignment for process improvements and system updates. Develop and maintain OTC business process documentation and workflow diagrams within supported platforms. Participate in requirements gathering, scope definition, system change reviews, and project status meetings. Lead and coordinate user acceptance testing (UAT), including test case development, execution, defect tracking, and sign-off. Support and coordinate data migration efforts in partnership with Fintech and IT teams, including validation and reconciliation activities. Who you are: 3-5 years of relevant professional experience, with exposure to a high transaction volume environment Bachelor's degree in finance, accounting, or a related field. Strong data analysis and analytics experience, including: Advanced Excel skills Strong working knowledge of SQL Experience analyzing large datasets to identify trends and drive decisions Proven experience with testing methodologies (UAT, system testing, regression testing). Experience with Oracle R12, and billing software (High Radius, etc.) strongly preferred. Sound understanding of the order to cash lifecycle on a transactional basis. Strong financial acumen and analytical skills, with the ability to interpret complex financial data and translate it into clear insights and recommendations. Working knowledge of SOX, GAAP, and internal controls within a public company environment. Highly organized, detail-oriented, and effective at managing competing priorities. Strong communicator, able to clearly convey information from end users to senior leadership. Results-driven, proactive, and comfortable taking ownership of initiatives from problem identification through execution. Strong written and verbal communication skills. The Right Results, the Right Way is not just a motto at Priceline; it's a way of life. Unquestionable integrity and ethics is essential. There are a variety of factors that go into determining a salary range, including but not limited to external market benchmark data, geographic location, and years of experience sought/required. In addition to a competitive base salary, certain roles may be eligible for an annual bonus and/or equity grant. The salary range for this position is $80,000 - $95,000 USD. #LI-Hybrid Who we are WE ARE PRICELINE. Our success as one of the biggest players in online travel is all thanks to our incredible, dedicated team of talented employees. Priceliners are focused on being the best travel deal makers in the world, motivated by our passion to help everyone experience the moments that matter most in their lives. Whether it's a dream vacation, your cousin's graduation, or your best friend's wedding - we make travel affordable and accessible to our customers. Our culture is unique and inspiring (that's what our employees tell us). We're a grown-up, startup. We deliver the excitement of a new venture, without the struggles and chaos that can come with a business that hasn't stabilized. We're on the cutting edge of innovative technologies. We keep the customer at the center of all that we do. Our ability to meet their needs relies on the strength of a workforce as diverse as the customers we serve. We bring together employees from all walks of life and we are proud to provide the kind of inclusive environment that stimulates innovation, creativity and collaboration. Priceline is part of the Booking Holdings, Inc. (Nasdaq: BKNG) family of companies, a highly profitable global online travel company with a market capitalization of over $80 billion. Our sister companies include Booking.com, BookingGo, Agoda, Kayak and OpenTable. If you want to be part of something truly special, check us out! Flexible work at Priceline Priceline is following a hybrid working model, which includes two days onsite as determined by you and your manager (ideally selecting among Tuesday, Wednesday, or Thursday). On the remaining days, you can choose to be remote or in the office. Inclusion is a Big Deal ! To be the best travel dealmakers in the world, we believe our team should reflect the broad range of customers and communities we serve. We are committed to cultivating a culture where all employees have the freedom to bring their individual perspectives, life experiences, and passion to work. Priceline is a proud equal opportunity employer. We embrace and celebrate the unique lenses through which our employees see the world. We'd love for you to join us and help shape what makes our team extraordinary. Applying for this position We're excited that you are interested in a career with us. For all current employees, please use the internal portal to find jobs and apply. External candidates are required to have an account before applying. When you click Apply, returning candidates can log in, or new candidates can quickly create an account to save/view applications.

At Genworth, we empower families to navigate the aging journey with confidence. We are compassionate, experienced allies for those navigating care with guidance, products, and services that meet families where they are. Further, we are the spouses, children, siblings, friends, and neighbors of those that need care-and we bring those experiences with us to work in serving our millions of policyholders each day. We apply that same compassion and empathy as we work with each other and our local communities. Genworth values all perspectives, characteristics, and experiences so that employees can bring their full, authentic selves to work to help each other and our company succeed. We celebrate our diversity and understand that being intentional about inclusion is the only way to create a sense of belonging for all associates. We also invest in the vitality of our local communities through grants from the Genworth Foundation, event sponsorships, and employee volunteerism. Our four values guide our strategy, our decisions, and our interactions: Make it human. We care about the people that make up our customers, colleagues, and communities. Make it about others. We do what's best for our customers and collaborate to drive progress. Make it happen. We work with intention toward a common purpose and forge ways forward together. Make it better. We create fulfilling purpose-driven careers by learning from the world and each other. POSITION TITLE Senior Credit Analyst, Private Placements POSITION LOCATION Stamford, CT YOUR ROLE The Senior Credit Analyst will be a key member of the Private Placement team. This role requires utilization of fundamental credit research to evaluate investment opportunities and managing existing investment positions. This position will partner with other analysts covering similar sectors and develop holistic positions and strategies and will report to the Private Placements Team Leader. What you will be doing Conduct and support fundamental credit research on primarily investment grade and some high yield corporate bonds as member of the Private Placements team Prepare timely, comprehensive written analysis and cogently present facts, analysis, conclusions, and recommendations on individual credits as part of the transaction underwriting process. Analysis to include total exposure, maturity, and relative value considerations. Analyze transaction documents and work with internal and external counsel to evaluate covenants and structure For existing portfolio credits, document and report on current credit views and recommendations by following and analyzing news, company financial reports and releases, rating agency actions, analyst publications and other industry or company information. Make recommendations on and timely respond to amendment and waiver requests Share knowledge - both verbally and in writing -- regarding ongoing individual credit or sector developments with members of Private Placements and Genworth Investments Interact with rating agencies, sell-side analysts and other independent sources to obtain external views on individual credits or industries Accountable for adhering to control requirements and addressing audit inquiries in a timely manner Develop and maintain relationships with Genworth's private placement dealer coverage and issuer management Actively contribute to department or division-wide projects and process improvement efforts What you bring Bachelor's degree 7 - 10 years corporate credit research experience or related experience Experience and demonstrated ability in analyzing corporate financial statements Understanding of deal documentation and structure with the ability to incorporate covenants and structure as an integral component of the underwriting process Strong written and verbal communication skills and the ability to present effectively and influence both Investments leadership and broader groups Strong functional capability with Microsoft Excel, PowerPoint and Word applications as well as Bloomberg analytics Understanding of fixed income mathematics Solid decision-making skills regarding core credit responsibilities, requiring only limited guidance and oversight Ability to positively influence other members of Private Placement and Investments Leadership Nice to have MBA or equivalent degree Strong knowledge of REITs, real estate and diversified funds Ability to demonstrate a combination of leadership potential and very strong credit skills Demonstrated willingness and ability to flex beyond core role to lead projects or process improvements Employee Benefits & Well-Being Genworth employees make a difference in people's lives every day. We're committed to making a difference in our employees' lives. Competitive Compensation & Total Rewards Incentives Comprehensive Healthcare Coverage Multiple 401(k) Savings Plan Options Auto Enrollment in Employer-Directed Retirement Account Feature (100% employer-funded!) Generous Paid Time Off - Including 12 Paid Holidays, Volunteer Time Off and Paid Family Leave Disability, Life, and Long Term Care Insurance Tuition Reimbursement, Student Loan Repayment and Training & Certification Support Wellness support including gym membership reimbursement and Employee Assistance Program resources (work/life support, financial & legal management) Caregiver and Mental Health Support Services ADDITIONAL At this time, Genworth will not sponsor a new applicant for employment authorization for this position. For the State of New York: The base salary pay range for this role starts at a minimum rate of $112,900 up to the maximum of $214,600. In addition to your base salary, you will also be eligible to participate in an incentive plan. The incentive plan is based on performance and the target earning opportunity is 60% of your base compensation. The final determination on base pay for this position will be based on multiple factors at the time of this job posting including but not limited to geographic location, experience, and qualifications to ensure pay equity within the organization.

Credit Analyst Team: Convertibles Verition Fund Management LLC (“Verition”) is a multi-strategy, multi-manager hedge fund founded in 2008. Verition focuses on global investment strategies including Credit, Fixed Income & Macro, Convertible & Volatility Arbitrage, Event-Driven, Equity Long/Short & Capital Markets, and Quantitative Strategies. Role Summary: We are seeking a highly motivated and detail-oriented Credit Analyst to join a Convertibles team in Greenwich, CT. The ideal candidate will bring 3-10 years of dedicated credit experience, gained at a buy-side credit fund, hedge fund, private credit platform, or an investment bank leveraged finance group. This hire will support the portfolio manager and contribute to sourcing and active management of convertible bond investments. This role is designed for individuals with a strong academic background and a proven track record of excellence. Key Responsibilities: Conduct credit analysis for convertible issuers across all sectors and support the integration of credit insights into convertible strategies. Build and maintain detailed financial models, scenario analyses, capital structure reviews, and covenant analyses. Evaluate business quality, competitive positioning, management strength, and industry dynamics. Stay current on market trends, macroeconomic factors, and sector developments impacting the convertibles book. Track portfolio company performance, liquidity, covenant compliance, and upcoming catalysts. Monitor portfolio risk exposures and recommend adjustments where appropriate. Partner with trading, compliance, and operations teams to ensure seamless execution. Develop and refine an investment framework under the mentorship of the Portfolio Manager. Qualifications: 3-10 years of dedicated credit experience gained at a buy-side credit fund, hedge fund, private credit platform, or investment bank leveraged finance group. Strong academic background. Exceptional written and verbal communication skills. High level of intellectual curiosity, strong work ethic, and keen attention to detail. Ability to work effectively in a team-oriented, fast-paced, and dynamic environment.

This individual will be responsible for supporting the origination, structuring and execution of transactions, including private credit, project finance and asset-based lending. Assists in the preparation of prescreen and deal approval memos, transaction structuring, due diligence, financial modeling, documentation review, and transaction closing. Commitment to Internal Control: The incumbent accepts the responsibility for establishing and maintaining the internal control system associated with the essential duties and responsibilities of the functional areas that the incumbent manages. Essential Duties and Responsibilities: (List in order of time spent) Have a clear understanding of MHCA's credit policies and operational procedures. Evaluate new business transactions on a timely basis in collaboration with the origination teams. Specific underwriting focus based on prior experience, preferably in private credit, project finance and/or asset-based lending. The incumbent is expected to become familiar with all three segments over time. Assist in preparation and preparation of initial prescreen memo, including company overview, financial analysis, valuation work, and diligence items. Coordinate with sponsor contacts, borrower management team, agent banks, transaction advisors, external counsel, and other third-party resources as part of the diligence and documentation processes. Contribute to the preparation of a comprehensive underwriting memo, including leading the financial modeling and sensitivity analysis, as well as documentation of compliance with underwriting guidelines and preparation of the obligor rating. Participate in presentation of the approval memo to delegation holders, including credit committee. Monitor trends across targeted industry sectors to support deal origination. Proactively monitor obligor financial performance and identify any adverse trends to senior management. Work with portfolio manager to onboard new clients for funding procedures and reporting requirements. Assist portfolio managers in reviewing credit amendment requests for existing clients. Manage Salesforce records and information files for pipeline transactions. KPI's (Key Performance Indicators): Deals evaluated; Deals completed (Fundings, Assets, and Fee Income); Credit analysis quality; Portfolio performance. Management/Supervisory Responsibilities: Not applicable Responsibility and Decision-Making Authority: Credit assessment, structure, and transaction communication needs to be within company prepared guidelines. Act independently; Decision-making within Company policy. Qualifications: Knowledge, Skills, and Abilities: Extensive knowledge of credit evaluation, financial, collateral, and cash flow analysis. Advanced skills in cash flow modeling for either corporate or project finance transactions. Knowledge of structuring, underwriting, and documentation practices related to asset-based lending, private credit or project finance. Advanced technical skills (Excel, PowerPoint, Word, etc.) Excellent verbal and written communication skills. Understanding of multiple industry dynamics and how economic conditions impact credit quality and structure. Time Management: ability to organize and manage multiple priorities and complete on a timely and accurate basis. Competencies: Thinking Skills Analytical ability Ability to synthesize Problem-solving Communications Ability to transmit information Ability to listen Interpersonal Relationships Ability to work in a Team Technical and Professional Detail-oriented Ability to work independently Personal Qualities Action-oriented Resilient Adaptability Self-starter Entrepreneurship Business Acumen Client-oriented Education and Experience: Bachelor's degree from a four-year college or university CFA candidate Level II/III or charter holder preferred Formal credit training, including financial modeling training (corporate finance or project finance) 3+ years of experience in commercial lending. Licensing and Certification: Not applicable Tools and Equipment Used: Personal computer, copier, phone, and other typical office equipment Working Hours: Hours may vary and will require some evening work; frequently requires working 40-45 hours/week depending on business needs Travel: Occasional travel related to transactions and attendance at industry seminars. Physical Demands: Digital dexterity and hand/eye coordination in operation of office equipment Light lifting and carrying of supplies, files, etc. Ability to speak to and hear customers and/or other employees via phone or in person Body motor skills sufficient to enable incumbent to move from one office location to another The job description does not constitute an employment contract, implied or otherwise, other than an “at will” relationship and is subject to change by the employer as the needs of the employer and requirements of the job change. The position is exempt and the salary will be between $90,000.00 and $160,000.00 with an opportunity to earn a discretionary annual bonus. The salary range is determined and based on internal equity, market data/ranges, applicant's skills, prior relevant experience and education. Additional benefits: - Medical, Dental, and vision plans - 401(k) and matching - Paid Time Off - Company Paid Life Insurance - Employee Assistance Program - Training and Development Opportunities - Employee Discounts

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

SENIOR UNDERWRITER/SENIOR CREDIT ANALYST ABOUT THE COMPANY: Libertas Funding, LLC, located in Greenwich, CT, is a dynamic fintech specialty finance firm committed to providing small and medium-sized businesses access to essential capital to fund their future. Building on more than 100 years of combined financial industry experience, we keep our clients at the forefront of funding with innovative solutions tailored to their unique circumstances. Invested in relationships, we strive to be a trusted partner that businesses can count on to help them achieve more today and tomorrow. If you aspire to achieve more in your work, then Libertas is the place for you. ABOUT THE ROLE: As part of the Credit Team, you will analyze application data including financial statements, bank statements, credit card statements, business/personal credit & due diligence platforms. You will evaluate Business applicants credit worthiness in accordance with company underwriting guidelines, across Libertas portfolio of products, and speak with customers to understand their funding needs. Using background due diligence to evaluate credit risk you will create structured products to tailor needs of the client. Perform accurate analysis of any applicant file with any degree of difficulty and effectively transmit underwriting decision to relationship managers both orally and in writing. You will provide technical and analytical guidance in gathering and analyzing financial information and interface with Senior Management to discuss underwriting and risk decisions and strategies. The successful candidate will have the following: 3+ years of experience in MCA underwriting OR 2+ years in Commercial Banking Underwriting Proficient knowledge in underwriting functions, an in-depth understanding of credit reports, income statements, balance sheets and tax returns Advanced problem-solving skills and excellent communications and interpersonal skills. Bachelor's degree. Studies focused in Accounting, Finance, Economics, or a related discipline a plus. Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, and competitive analysis and projections. Proficiency with Excel and data interpretation are a must; familiarity with Adobe and CRM platforms would be a plus. Proficiency in Microsoft Office Suite, especially Excel required. Our ideal candidate will be someone who: Has commitment to integrity, excellence, accountability, customer service, and teamwork. Has a strong work ethic, and an eagerness to learn. Who has good interpersonal skills, attention to detail and a genuine commitment to the success of the team. Feels empowered to help solve escalated issues and work towards making a wrong a right. Has the ability to work in a high frequency environment. Is technically minded. Is flexible and adaptable to change. Has strong communication skills. Has positive outlook always. Can multitask at a very high level and maintain multiple deadlines. Libertas Funding, LLC participates in E-Verify. Libertas Funding, LLC will not sponsor applicants for work visas for this position. Applicants must be currently authorized to work in the United States on a full-time basis. Libertas Funding, LLC provides equal employment opportunities to all applicants for employment and prohibits discrimination and harassment of any type with regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by the federal, state, or local laws.

SimpleCITI Companies, Hiring for Commercial Credit Analyst SimpleCITI Companies is a vertically integrated real estate and specialty finance platform built to execute across the full investment lifecycle. Our operating companies specialize in real estate acquisitions, capital markets, brokerage, property management, development, and specialty lending. With expertise in industrial, commercial, mixed-use, and residential real estate, SimpleCITI operates at the intersection of capital deployment, operational execution, and long-term value creation. Our real estate verticals include: SimpleCITI (Private Equity Real Estate) SimpleADVISORY (Investment Advisory) SimpleMANAGE (Property Management) SimpleBRICKS (Development) SimpleBROKER (Brokerage & Leasing) Job Description: SimpleCREDIT is seeking a detail-oriented and execution-driven Residential Credit Analyst to join our growing credit team. In this high-impact role, you will evaluate, structure, and manage short-term bridge and construction loans across residential transitional assets including ground-up development, rehab, and multifamily projects. You'll work directly with the founder and capital partners, applying institutional-level discipline to credit analysis while operating with the speed and flexibility of a boutique lender. This is an opportunity to shape the credit infrastructure of a next-generation private lending platform. Loan Evaluation & Underwriting Analyze borrower profiles, market conditions, project budgets, and exit strategies Underwrite loans for rehab, rental, and ground-up residential projects Conduct detailed financial modeling, including pro formas, comp analysis, and budget reviews Evaluate creditworthiness and collateral strength using LTAIV, LTC, LTARV, and other key metrics Draft concise investment memoranda for internal and capital partner review Due Diligence & Structuring Order and review appraisals, title reports, insurance, contractor profiles, and other third-party reports Recommend loan terms and structures aligned with SimpleCREDIT's risk parameters and credit box Collaborate with legal counsel to ensure compliance with underwriting standards and documentation Assist in setting covenants and draw schedules for construction and rehab loans Closing & Process Execution Coordinate closing activities with borrowers, legal teams, title companies, and internal stakeholders Ensure timely, accurate documentation and information flow from term sheet to funding Maintain loan files, data integrity, and communication logs throughout the loan lifecycle Platform Development & Internal Ops Help build and refine underwriting SOPs, loan grading systems, and credit workflows Identify operational inefficiencies and suggest process improvements Contribute to the development of reporting templates and risk management tools Requirements 2-6 years of experience in private lending, real estate credit, or fix-and-flip underwriting Proficient in Excel with ability to build models from scratch Deep understanding of credit metrics: LTV, LTC, ARV, DSCR, etc. Experience reviewing appraisals, title reports, scopes of work, and borrower financials Strong written communication skills and ability to clearly articulate credit decisions Highly organized, proactive, and execution-oriented Bonus: Experience with LendingPad, Liquid Logics, or other LOS/LMS systems Bonus: Familiarity with NY/NJ/CT/PA markets or licensure as MLO or real estate agent

Responsible for developing analytical credit information for use by lending officers and senior management in making credit decisions. Also require active participation in loan reviews and credit discussions with stakeholders. Assist manager in training or guidance to junior staff members from time to time. Be responsive to loan officers and other loan staff to support the loan closing process. Responsibilities * Develop and analyze credit information: * Determine what financial documents are needed. * Review financial statements and tax returns for completeness and accuracy. * Perform an in-depth financial statement analysis. * Research debt and deposit relationships from all internal bank systems. * Spread financials to generate common sized reports, financial ratios and trend reports. * Evaluate and analyze above reports. * Understand and use tax returns for credit evaluation. * Prepare in-depth cash flow analysis of companies and individuals. * Interpret Credit Bureau reports. * Determine the need for more thorough investigations, contacts appropriate sources. * Analyze collateral value through use of receivables aging, real estate appraisals, etc. * Identify strengths and weakness of credit analyzed. * Assign and substantiate appropriate risk rating to each credit. * Prepare a Profitability Model based on proposed banking relationship. * Prepare and present an accurate summary analysis, recommend loan structure, and summarize borrower's creditworthiness. * Review collateral and supporting documents for completeness and accuracy. * Become familiar with characteristics of various industries and business structures and sustain continual research. * Understand and evaluate residential and commercial real estate appraisals, including use of a fair capitalization rate. * Become familiar with governing regulations (USPAP) in order to prepare appraisal reviews. * Follow up with appraiser for missing information or lack of documentation. * Become familiar with commercial loan policy manual, apply policies and report policy exceptions. * Become familiar with the Uniform Commercial Code and other loan documentation related to lien perfection and protection of Company's collateral. * Serve as a liaison to regulators, appraisers, borrowers, and internal/external auditors. * Review credit memos to track and monitor exceptions to bank policy manual. * Assist the residential mortgage area in analyzing self-employed people and perform agency audits, as needed. * Provide analytical support to various departments throughout the Company, as needed. * Perform independent validation of risk rating and loan authority component of loan funding in accordance with FDICIA and Sarbanes-Oxley requirements, as needed. * Respect highly sensitive nature of position and treats all information in a confidential manner. * All other duties as assigned. Qualifications * A Bachelor's Degree in Business, Accounting, Finance (or an Associate's Degree plus two (2) years' of experience. * Minimum of five (5) years' banking or related field experience. * Excellent verbal and written communication. * Working knowledge of microcomputer systems, including Microsoft Excel, Microsoft Word and Baker Hill Statement Analyzer software. * Current knowledge of techniques necessary to analyze business financial conditions including an acute awareness of the implications that financial and non-financial factors can have in assessing a borrower's ability to service debt obligations. * Demonstrated ability to progress within a company's credit department with increasing responsibility and able to work independently. Benefits * Medical * Dental * Vision * 401(k) Match * Profit Sharing * Paid Time Off * 11 Holidays * Tuition Reimbursement * Free Parking throughout Tompkins Community Bank * Employee Referrals EEO Statement Tompkins is committed to a policy of Equal Employment Opportunity ("EEO") with respect to all team members and applicants for employment and a work environment free from discrimination (including unlawful harassment) based on race, color, religion, sex, sexual orientation, transgender status, gender non-conformity, gender identity, gender expression, national origin, age, marital status, domestic violence victim status, disability, predisposing genetic characteristics, military or veteran status or status in any group protected by federal, state, or local law. For more information, please click here. #communitybank Pay Range USD $42.00 - USD $48.00 /Hr.

Hours: 40 Pay Details: $32.00 - $47.75 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Credit Management Job Description: The Credit Analyst II is responsible for conducting in-depth industry and financial analysis of existing and potential borrowers. This job works cooperatively to support the Lending and Credit functions of the Bank. Depth & Scope: * Responsible for financial analysis of moderately complex loans/industries/Customers * Works more independently but under the guidance and review of lead staff * Good understanding of loan risk factors * Researches industry specific information from outside sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet * Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times) * Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition * Supports the lending function by providing analytical support * Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities * Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk * May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary * May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos * Monitors compliance with regulatory requirements * Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk * Achieves operational performance standards in quality and timeliness Education & Experience: * 4 year degree or equivalent experience * 2+ years related experience required * Developed knowledge of credit and financial analysis techniques. * Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on an increasingly independent basis. * Strong oral and written communication skills. * Strong analytical and research skills. * Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software. * Ability to multi-task and meet deadlines. * Ability to maintain the confidentiality of credit and Customer information. * Good interpersonal skills and a team orientation. Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% * Domestic Travel - Occasional * International Travel - Never * Performing sedentary work - Continuous * Performing multiple tasks - Continuous * Operating standard office equipment - Continuous * Responding quickly to sounds - Occasional * Sitting - Continuous * Standing - Occasional * Walking - Occasional * Moving safely in confined spaces - Occasional * Lifting/Carrying (under 25 lbs.) - Occasional * Lifting/Carrying (over 25 lbs.) - Never * Squatting - Occasional * Bending - Occasional * Kneeling - Never * Crawling - Never * Climbing - Never * Reaching overhead - Never * Reaching forward - Occasional * Pushing - Never * Pulling - Never * Twisting - Never * Concentrating for long periods of time - Continuous * Applying common sense to deal with problems involving standardized situations - Continuous * Reading, writing and comprehending instructions - Continuous * Adding, subtracting, multiplying and dividing - Continuous 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. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.` Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

SimpleCITI Companies, Hiring for Commercial Credit Analyst SimpleCITI Companies is a vertically integrated real estate and specialty finance platform built to execute across the full investment lifecycle. Our operating companies specialize in real estate acquisitions, capital markets, brokerage, property management, development, and specialty lending. With expertise in industrial, commercial, mixed-use, and residential real estate, SimpleCITI operates at the intersection of capital deployment, operational execution, and long-term value creation. Our real estate verticals include: SimpleCITI (Private Equity Real Estate) SimpleADVISORY (Investment Advisory) SimpleMANAGE (Property Management) SimpleBRICKS (Development) SimpleBROKER (Brokerage & Leasing) Job Description: SimpleCREDIT is seeking a detail-oriented and execution-driven Residential Credit Analyst to join our growing credit team. In this high-impact role, you will evaluate, structure, and manage short-term bridge and construction loans across residential transitional assets including ground-up development, rehab, and multifamily projects. You'll work directly with the founder and capital partners, applying institutional-level discipline to credit analysis while operating with the speed and flexibility of a boutique lender. This is an opportunity to shape the credit infrastructure of a next-generation private lending platform. Loan Evaluation & Underwriting Analyze borrower profiles, market conditions, project budgets, and exit strategies Underwrite loans for rehab, rental, and ground-up residential projects Conduct detailed financial modeling, including pro formas, comp analysis, and budget reviews Evaluate creditworthiness and collateral strength using LTAIV, LTC, LTARV, and other key metrics Draft concise investment memoranda for internal and capital partner review Due Diligence & Structuring Order and review appraisals, title reports, insurance, contractor profiles, and other third-party reports Recommend loan terms and structures aligned with SimpleCREDIT's risk parameters and credit box Collaborate with legal counsel to ensure compliance with underwriting standards and documentation Assist in setting covenants and draw schedules for construction and rehab loans Closing & Process Execution Coordinate closing activities with borrowers, legal teams, title companies, and internal stakeholders Ensure timely, accurate documentation and information flow from term sheet to funding Maintain loan files, data integrity, and communication logs throughout the loan lifecycle Platform Development & Internal Ops Help build and refine underwriting SOPs, loan grading systems, and credit workflows Identify operational inefficiencies and suggest process improvements Contribute to the development of reporting templates and risk management tools Requirements 2-6 years of experience in private lending, real estate credit, or fix-and-flip underwriting Proficient in Excel with ability to build models from scratch Deep understanding of credit metrics: LTV, LTC, ARV, DSCR, etc. Experience reviewing appraisals, title reports, scopes of work, and borrower financials Strong written communication skills and ability to clearly articulate credit decisions Highly organized, proactive, and execution-oriented Bonus: Experience with LendingPad, Liquid Logics, or other LOS/LMS systems Bonus: Familiarity with NY/NJ/CT/PA markets or licensure as MLO or real estate agent

Come join our amazing team. The Quantitative Mortgage Analytics Analyst will be responsible for helping to reshape and elevate the company's residential mortgage lending data analysis including marketing and customer engagement to pricing analytics, P&L, and market-trend insights, while modernizing the company's analytics toolkit. Leverage and bridge the company's investor-grade analytics platform with our lending affiliate: adapting Carrington Capital Management's proprietary models and tools for lending use cases, integrating lending performance back into the company's ecosystem, and driving actionable insights for capital-markets and investor initiatives. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, where in the company operates. The target pay for this position is $80,000 - $150,000 + Annual Bonus. Pay is based on job-related knowledge, skills, experience, and other relevant factors. What you'll do: End-to-end data ownership: Clean, reorganize, and harmonize loan-origination, servicing, marketing, and customer datasets to extract actionable signals and performance metrics. Tool & model adaptation: Write wrappers and interfaces to deploy CCM's existing pricing, prepayment, and credit-risk models within the lending platform. Analytics integration: Feed lending performance and P&L results back into CCM's analytics ecosystem to close the loop and inform investor reporting. Reporting & dashboards: Develop and maintain self-service dashboards and reports to track key lending metrics - recapture rates, marketing ROI, pricing variance, P&L attribution, and market trends. Performance reporting: Prepare, present, and explain performance reports to senior lending management; gather and analyze feedback from loan officers to refine analytics and strategies. Strategic partnerships: Collaborate with pricing, portfolio, investor-relations, and capital-markets teams to translate analytics into lending strategies and execute investor-driven initiatives. Ecosystem modernization: Automate data pipelines, standardize definitions across CCM and lending systems, and deploy scalable analytics tools. Cross-functional liaison: Work with IT, CRM, operations, and third-party vendors to ensure data quality and timely delivery of insights. Ad-hoc analysis: Respond rapidly to one-off requests from senior management, investors, and affiliated divisions. Perform other duties and projects as assigned. What you'll need: Bachelor's or advanced degree in a quantitative field (e.g., Mathematics, Statistics, Computer Science, Engineering, Finance). A minimum of one year of hands-on experience in mortgage-lending analytics, capital-markets analytics, or a related role; exceptional analysts with strong programming skills will also be considered. Strong Python and SQL skills for data extraction, transformation, and analysis; familiarity with machine-learning techniques is highly desirable. Proven ability to adapt and deploy proprietary quantitative models-experience writing wrappers or APIs to integrate analytics pipelines. Demonstrated aptitude for working with and organizing unstructured or messy marketing/customer data: data-cleaning, ETL, and signal-extraction expertise required. Experience building self-service dashboards or reporting tools (e.g., Tableau or similar). Solid working knowledge of loan-origination and servicing workflows, including mechanisms for recapturing existing customers. Excellent communication skills: able to translate complex analytics into clear, actionable insights for non-technical stakeholders. Highly organized, self-motivated, and adept at juggling multiple high-priority projects in a fast-paced environment Excellent skills in mathematics and statistics. Hands-on experience using Python and various statistical packages to process and analyze large data sets. Ability to apply popular machine learning techniques with reasonable understanding of their underlying algorithms. Strong SQL and Python skills for data extraction and analysis. Experience with Linux environments is preferred. Highly motivated, team-oriented, a quick learner with good communication skills. Strong organizational skills and time management skills to perform multiple tasks within limited time frames. Prefer to work near our office in Greenwich, CT! Our Company: Carrington Capital Management, LLC (CCM) is an alternative asset management firm focused on control-based investing in the U.S. real estate, mortgage and fixed income markets. Through the mortgage loan servicing and property management operating affiliates, CCM is uniquely positioned to offer investment products that benefit from the operational resources and knowledge capital that flow across the Carrington platform. We provide investment strategies where our portfolio management team maintains an identifiable competitive advantage created by the firms' resources, market expertise and local property market penetration. We hope you'll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: carringtoncap.com. What We Offer: Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. Access to several fitness, restaurant, retail (and more!) discounts through our employee portal. Customized training programs to help you advance your career. Employee referral bonuses so you'll get paid to help Carrington and Vylla grow. Educational Reimbursement. Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs it supports through specific fundraising efforts, please visit: carringtoncf.org. # LI-GV1

A leading financial services firm is seeking a Private Banker to work within their U.S. Private Bank. The role involves advising clients on wealth management, generating new business, and ensuring exceptional client experience. Ideal candidates will have at least six years of experience in Private Banking, a Bachelor's degree, and a client-focused mindset. Strong sales acumen and understanding of investments are essential. This is an opportunity to work with a talented team and develop your career. #J-18808-Ljbffr

A leading financial institution is seeking a Private Banker in Connecticut to manage client relationships and advise on wealth management strategies. Responsibilities include advising on investment management, financial planning, and generating new business. Required qualifications include a Bachelor's Degree and licenses (Series 7, 66). This role offers a competitive compensation package including health benefits and opportunities for professional development. #J-18808-Ljbffr

As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real‐world challenges that impact our company, customers and communities. As a Credit Officer in Portfolio Management, you should be proficient with commercial real estate finance concepts/principles and their application to various property types. Incumbents will complete reviews on properties and borrowers to derive appropriate risk ratings and evaluate expected future performance. Job responsibilities Complete annual reviews on properties and borrowers to derive at appropriate risk ratings. Review annual property operating statements, rent rolls, and local market conditions to determine overall property performance and identify potential risk of default. Document and support concluded risk ratings. Interact with Borrowers, Credit Executives, and other parties to obtain applicable data to perform a complete analysis. Excel in teamwork, which may include training of incoming Credit Officers. Required qualifications, capabilities, and skills Bachelor's Degree or equivalent experience. At least 2 years of experience with credit analysis and review of commercial real estate loans. Previous experience in portfolio management, loan risk grading/ risk assessment. Strong organizational and time‐management skills ‐ ability to multitask, prioritize, and work with others in an integrated way to achieve individual objectives and team results. Excellent written and verbal communication skills. Proficiency in Microsoft desktop tools including Word, Excel, Power Point and able to quickly acclimate to proprietary systems.

is located in Flower Mound, TX, Itasca, IL or Norwalk, CT. The Senior Credit Analyst - Inventory Finance, is a commercial credit (dealer floorplan) underwriting role that contributes to underwriting of all transaction sizes, has a critically important function to review and process transactions within their earned credit authority and present transactions for total exposures exceeding earned credit authority to senior management across all verticals. Candidate should have broad commercial lending experience in a variety of asset classes with demonstrated success in working in a fast paced, high growth environment Commitment to Internal Control: The incumbent accepts the responsibility for establishing and maintaining the internal control system associated with the essential duties and responsibilities of the functional areas that the incumbent manages. Essential Duties and Responsibilities: Underwrite, prepare detailed, thorough credit memos presenting the credit request with appropriate risks and mitigants and decision transactions within earned credit authority Present transactions that exceed earned credit authority to senior management. Review and spread financials/tax returns to provide formative analysis regarding performance and trends. Familiarity with Moody's Financial/Risk Analysis or a comparable financial spreading tool is important to assist with underwriting analysis. Provide articulate, thoughtful, and effective communication when discussing transactions with Sales, Dealers, as well as with internal clients such as the Operations department. Obtain & analyze public and private information such as Dun & Bradstreet reports, Paynet reports, Secretary of State corporate name verifications, Credit Bureau reports etc. Knowledge of UCC perfection process, reviewing UCC searches to determine priority, understanding and ability to negotiate intercreditor agreements and other legal documentation. Research industries, markets, and equipment as necessary. Ability to work independently to complete assigned new business requests, increases and/or annual reviews. Performs other related duties as assigned by management. KPI's (Key Performance Indicators): Underwrite and decision transactions. Obtain and analyze public and private information. Provide best in class service to internal and external customers Responsibility and Decision-Making Authority: Act independently; Decision-making within Company policy. Management/Supervisory Responsibilities: N/A Qualifications: Minimum 4 years of commercial underwriting experience (not consumer or mortgage) with a bank or other financial institution. Experience in underwriting commercial dealer floorplan requests across number of industries within transportation, equipment finance, construction, other assets classes Competencies: Adapts to changes in the work environment. Collects and researches data. Excellent written and verbal communication skills. Education and Experience: 4 - year bachelor's degree required with a major in finance or management preferred. Licensing and Certification: N/A Tools and Equipment Used: Personal computer, copier, phone, and other typical office equipment Working Hours: Hours may vary and may require some evening work; frequently requires working 40-45 hours/week depending on business needs. Travel: Occasional travel related to attendance at industry seminars or to visit with dealers or equipment manufacturers. Physical Demands: Digital dexterity and hand/eye coordination in operation of office equipment Light lifting and carrying of supplies, files, etc. Ability to speak to and hear customers and/or other employees via phone or in person. Body motor skills sufficient to enable incumbent to move from one office location to another. This role is considered exempt, and the salary will range between $76,600 - $89,757 with an opportunity to earn a discretionary annual bonus. The salary range is determined and based on internal equity, market data/ranges, applicant's skills, prior relevant experience, and education. Additional Benefits: Medical, Dental and Vision Plans 401(k) and matching Generous Paid Time Off Company paid Life Insurance Employee assistance program Training and Development Opportunities Employee discounts The job description does not constitute an employment contract, implied or otherwise, other than an “at will” relationship and is subject to change by the employer as the needs of the employer and requirements of the job change.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Credit Risk Senior within the Credit Risk team, you will play an important role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. Additionally, you will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities Oversee all aspects of credit analysis on commercial real estate/multifamily loans. Evaluate and manage risks in each transaction. Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. Apply data analysis techniques to interpret results and provide insights and recommendations to management. Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools. Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. Required qualifications, capabilities, and skills Minimum 3 years of experience in commercial real estate lending or 5+ years of other banking/finance experience. Thorough understanding of multifamily real estate property valuations and cash flow analysis. Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. Excellent verbal/written communication and problem-solving skills. Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed. Familiarity with regional markets and municipal regulations. Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. Preferred qualifications, capabilities, and skills Advanced degree in a related field. Bachelor's degree in accounting, finance, economics, or real estate is preferred. Experience as a loan underwriter in commercial real estate lending is highly desirable Experience with proprietary credit risk management tools.

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