Credit analyst jobs in Palisades Park, NJ - 227 jobs

Our client is an established asset management firm in NYC. The firm is well-known and invests primarily in credit. The Attorney/Lawyer (Transactional Counsel) will work closely with the Investments and Legal team on a wide array of bespoke credit transactions. Role: Provide legal advice and drive execution on lending transactions in partnership with the Firm's investment professionals and external law firms. Advise on structuring, negotiation, and documentation of complex lending transactions and ensure that the documentation addresses key legal and business concerns. Quickly understand unique and diverse business models and commercially negotiate bespoke structures and legal solutions tailored to the Firm's borrowers and strategy. Provide legal guidance concerning commitment letters, term sheets, loans, amendments, waivers, term sheets, collateral packages, indentures, security documents, consents, and covenants review. Liaise with teams across the Firm, including Legal, Compliance, Operations, Finance, etc., to manage risk and policy compliance. Manage and work alongside outside counsel to facilitate superior structuring and transaction documentation. Requirements: 4+ years of experience (JD 2021+) professional experience in direct lending, on the lender's side, would be ideal. Must be currently in BigLaw or at a Credit Investment Firm. Strong attention to detail and the know-how behind transactions and the Fund's unique strategies. Superior Communication skills and interpersonal abilities JD from a Top Law School Admitted to Practice in the State of New York or eligible to waive in

Job TitleCredit AnalystJob Description Leverage your existing credit analysis experience while continuing to grow as you collaborate with seasoned professionals and engage directly with clients at a top-tier commodity finance institution. In this position, you will prepare high-quality credit applications, perform detailed financial and risk analysis, and proactively monitor a portfolio of domestic and global clients in the agricultural, energy, and metals commodity sectors. Our Shared Future: “Working as a credit analyst on the Trade & Commodity Finance team provides an exceptional career foundation. The guidance and mentorship provided by experienced professionals is invaluable, and the collaborative environment fosters my continuous development in financial analysis and risk assessment.” - Credit Analyst You and Your Job In this position, you will prepare high-quality credit applications, perform detailed financial and risk analysis, and proactively monitor a portfolio of domestic and global clients in the agricultural, energy, and metals commodity sectors. Job Responsibilities Write and defend comprehensive credit applications that include detailed business, market, financial, risk, and facility structure analysis, with a strong focus on credit metrics and structures specific to commodity trading companies. Analyze complex trade finance structures and collateral arrangements, including revolving loans, borrowing base facilities, transactional financing, forward books, brokerage accounts, and commodity inventories, ensuring sound risk analysis and mitigation. Assess commodity traders' risk practices and liquidity needs, performing position and margin call stress testing to evaluate exposure under volatile market conditions. Monitor ongoing client reporting and credit risk status, identifying breaches or deterioration early and escalating issues promptly to safeguard the portfolio. Engage with client's management and executives while collaborating with relationship managers, product partners, and risk approvers to support growth goals while maintaining the strong risk culture of the bank. Your Promise to Us: To be considered for the Credit Analyst role, you must have: Bachelor's Degree Strong writing skills, with 2+ years' experience writing credit applications including business, market, financial, risk, and facility structure analysis. Experience analyzing bank financing structures, collateral and perfection, including; revolving loans, borrowing base and transactional facilities. Experience defending credit applications to risk approvers and/or credit committees. Ability to use Microsoft office software including excel, word, outlook, and teams. Advanced functions in Excel including INDEX, VLOOKUP, pivot tables, and macros. Knowledge of credit analysis tools including financial spreading software (creditlens), credit rating models, bank risk return models, covenant and collateral tracking applications, and approval workflow applications. Ability to travel regionally up to 15% Legally authorized to work in the United States on a full-time basis. Rabobank is unable to sponsor or take over sponsorship of an employment visa for this position. Our Commitment to you - cultivating your way beyond pay: Rabobank welcomes employees and applicants from all backgrounds and is committed to fostering an inclusive environment that leverages the diverse strengths of our workforce. This enables us to exceed the expectations of our clients and customers while ensuring a healthy and safe environment for our staff. We believe your well-being extends far beyond just a paycheck and should encompass your health, happiness, and satisfaction. To meet these needs, Rabobank offers a flexible hybrid working model and continually evaluates and enhances our benefit offerings to ensure they are comprehensive, competitive, and provide you with the options and flexibility you need. Our employee benefits are focused on four main components: Physical Well-Being includes our commitment to your Health and Wellness. Medical, Dental and Vision plan coverages are effective on your date of hire. Rabo offers multiple plan options and a full network of providers to best meet your needs. Financial Well-Being provides for your Retirement + Savings + Security. We love seeing your retirement plan balance grow just as much as you do! That's why you can start participating in the 401(k) plan on your date of hire. Plus we match 50% of the first 6% you contribute to your 401(k) plan for US Employees. Rabo also contributes an additional 3% of your eligible pay in Safe Harbor contribution and up to 3% in annual Discretionary Profit Sharing contributions. Emotional Well-Being ensures your Work + Life balance. We offer a generous paid time off program to full time employees: up to 20 days of vacation time, 5 days of additional time off plus 7 sick days and 11 US holidays annually (based on hire date during the calendar year). In addition, Growing a Better World Together requires wanting the best for our employees and their families and our communities. To do that, we offer both the time and financial support to give back to the community through our Dollars for Doers, Helping Hands and Gift Matching programs. (All paid time off is subject to company accrual and carryover policies.) Workforce Well-Being supports a hybrid working model that offers the flexibility to split your time between home and the office-typically 2-3 days remote and the remaining days onsite-promoting both productivity and personal well-being. Our Organization: Rabobank Group is a global financial services leader providing wholesale and retail banking, leasing, and real estate services in more than 37 countries worldwide. Founded over a century ago, Rabobank today is one of the world's largest banks with over $678 billion in assets. In North America, Rabobank is a premier corporate and investment bank to the food, agribusiness, commodities and energy industries in the United States, Mexico, and Canada. Rabo AgriFinance, a subsidiary of Rabobank, is a leading financial services provider for farmers, ranchers and agribusinesses in the United States and Canada. Together, we provide sector expertise, strategic counsel and tailored financial solutions to clients across the entire value chain. Visit ****************** Salary Expectations: Target Hiring Range: $115,000.00 - $185,000.00 This position is subject to the terms of [RAF/Rabobank/RDS]'s compensation plans and policies. It is anticipated that the position will pay within the target hiring range. The range is reflective of the desired primary physical work location and may be adjusted outside of the projected range based on geographical differentiation if the actual work location of the hired candidate differs from the desired primary location, or for other lawful reasons. Further, all full-time regular positions include all other benefits provided to [RAF/Rabobank/RDS] employees, including healthcare benefits, 401k matching, vacation, sick leave, parental leave, possible discretionary bonuses and all other benefits that are all governed by and subject to ERISA plan documents and eligibility. Rabo provides equal opportunity in employment to all employees and applicants and does not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other basis protected by applicable law. Rabo also prohibits harassment of any individuals on any of the bases listed above. At Rabobank, we strive to grow a better world together. In order to achieve that, we have to have the right people in the right jobs. Are you ready to join our team? This job posting has no fixed application deadline. We will accept resumes until a qualified applicant pool is identified. #LI-Hybrid

Guggenheim Investments is seeking a Municipal Credit Analyst. The Municipal Credit Analyst is responsible for maintaining market coverage, conducting security and portfolio-level analysis, and sourcing and reviewing investments. This position is collaborative and may be cross-functional across credit sectors and portfolio management in response to market conditions. The employee is responsible for intermediating, aggregating, and disseminating market information to credit sector teams, portfolio managers, and senior investment professionals. The employee will report to the Senior Municipal Credit Analyst/Sector Lead. The position can be located in Santa Monica, CA or New York City, full-time.Responsibilities Key Responsibilities: Lead evaluation of specialized and complex investments utilizing all available sources of information including governing documents, published research, financial reports, news, rating agency reports, and market information Analyze new issue and secondary market taxable and tax-exempt municipal credits to create reports, analyses, and recommendations Create and maintain analytical models and tools that enhance credit research (e.g. sector-wide credit metric comparable, macro stress testing) In-depth work on the legal characteristics of security structure, such as mutability of cash flow waterfalls, enforceability of tax levies, legality of issuance authorization, substitutability of indentures Monitor portfolio holdings and municipal sectors for credit changes and material news and events Formulate and manage sector investment thesis and strategy and communicate firm-wide, incorporating the firm's macro views Provide the team leader with ongoing information about market sentiment, liquidity, volatility, and other market information about the sector Prioritize investment activities considering Portfolio needs, desk resources, and market risk/value. Create and maintain desk tools that improve investment process and efficiency (e.g., secondary offerings, trade reports, bi-weekly meeting data, credit review log) Create and institutionalize credit research reporting, credit memo templates, and ESG analysis framework Author the municipal sector team's Quarterly Outlook thought leadership piece Ensure adherence with firm policies and procedures with respect to investment underwriting, compliance, trading Direct surveillance, research, and project activities in conjunction with the Team Leader Develop project scope and set priorities for technology and research initiatives Assist in the creation and maintenance of marketing materials Qualifications Preferred Qualifications Advanced degree (MFE, MBA) or equivalent educational background are desirable 10+ years of experience on the buy side Strong credit, finance, economic, business, and technical skills Ability to multi-task across analytical, administrative, and research activities in a detail oriented and timely manner Team oriented individual with ability to work independently and work well with diverse groups in a market-paced environment Basic Qualifications BA/BS in a quantitative discipline to include finance, business, economics or accounting Minimum 6-9 years of experience in credit research and analysis (buy side) CFA or progress toward CFA is required Experience with industry standard tools and data products such as Bloomberg, BRS, Ipreo, TM3. Strong credit, finance, economic, business, and technical skills Advanced Excel skills are required. SQL, Python skills are desirable Strong written and verbal communication skills Strong commitment to performance and accuracy of work product Salary Range Annual base salary between $160,000.00-$175,000.00 The base salary range represents the low and high end of the anticipated base salary range for this position. Actual base salaries may vary depending on factors such as location and experience. The range listed reflects base salary only, and the total compensation package may include other components such as incentive compensation.

Leverage your existing credit analysis experience while continuing to grow as you collaborate with seasoned professionals and engage directly with clients at a top-tier commodity finance institution. In this position, you will prepare high-quality credit applications, perform detailed financial and risk analysis, and proactively monitor a portfolio of domestic and global clients in the agricultural, energy, and metals commodity sectors. Our Shared Future: "Working as a credit analyst on the Trade & Commodity Finance team provides an exceptional career foundation. The guidance and mentorship provided by experienced professionals is invaluable, and the collaborative environment fosters my continuous development in financial analysis and risk assessment." - Credit Analyst You and Your Job In this position, you will prepare high-quality credit applications, perform detailed financial and risk analysis, and proactively monitor a portfolio of domestic and global clients in the agricultural, energy, and metals commodity sectors. Job Responsibilities Write and defend comprehensive credit applications that include detailed business, market, financial, risk, and facility structure analysis, with a strong focus on credit metrics and structures specific to commodity trading companies. Analyze complex trade finance structures and collateral arrangements, including revolving loans, borrowing base facilities, transactional financing, forward books, brokerage accounts, and commodity inventories, ensuring sound risk analysis and mitigation. Assess commodity traders' risk practices and liquidity needs, performing position and margin call stress testing to evaluate exposure under volatile market conditions. Monitor ongoing client reporting and credit risk status, identifying breaches or deterioration early and escalating issues promptly to safeguard the portfolio. Engage with client's management and executives while collaborating with relationship managers, product partners, and risk approvers to support growth goals while maintaining the strong risk culture of the bank. Your Promise to Us: To be considered for the Credit Analyst role, you must have: Bachelor's Degree Strong writing skills, with 2+ years' experience writing credit applications including business, market, financial, risk, and facility structure analysis. Experience analyzing bank financing structures, collateral and perfection, including; revolving loans, borrowing base and transactional facilities. Experience defending credit applications to risk approvers and/or credit committees. Ability to use Microsoft office software including excel, word, outlook, and teams. Advanced functions in Excel including INDEX, VLOOKUP, pivot tables, and macros. Knowledge of credit analysis tools including financial spreading software (creditlens), credit rating models, bank risk return models, covenant and collateral tracking applications, and approval workflow applications. Ability to travel regionally up to 15% Legally authorized to work in the United States on a full-time basis. Rabobank is unable to sponsor or take over sponsorship of an employment visa for this position. Our Commitment to you - cultivating your way beyond pay: Rabobank welcomes employees and applicants from all backgrounds and is committed to fostering an inclusive environment that leverages the diverse strengths of our workforce. This enables us to exceed the expectations of our clients and customers while ensuring a healthy and safe environment for our staff. We believe your well-being extends far beyond just a paycheck and should encompass your health, happiness, and satisfaction. To meet these needs, Rabobank offers a flexible hybrid working model and continually evaluates and enhances our benefit offerings to ensure they are comprehensive, competitive, and provide you with the options and flexibility you need. Our employee benefits are focused on four main components: Physical Well-Being includes our commitment to your Health and Wellness. Medical, Dental and Vision plan coverages are effective on your date of hire. Rabo offers multiple plan options and a full network of providers to best meet your needs. Financial Well-Being provides for your Retirement + Savings + Security. We love seeing your retirement plan balance grow just as much as you do! That's why you can start participating in the 401(k) plan on your date of hire. Plus we match 50% of the first 6% you contribute to your 401(k) plan for US Employees. Rabo also contributes an additional 3% of your eligible pay in Safe Harbor contribution and up to 3% in annual Discretionary Profit Sharing contributions. Emotional Well-Being ensures your Work + Life balance. We offer a generous paid time off program to full time employees: up to 20 days of vacation time, 5 days of additional time off plus 7 sick days and 11 US holidays annually (based on hire date during the calendar year). In addition, Growing a Better World Together requires wanting the best for our employees and their families and our communities. To do that, we offer both the time and financial support to give back to the community through our Dollars for Doers, Helping Hands and Gift Matching programs. (All paid time off is subject to company accrual and carryover policies.) Workforce Well-Being supports a hybrid working model that offers the flexibility to split your time between home and the office-typically 2-3 days remote and the remaining days onsite-promoting both productivity and personal well-being. Our Organization: Rabobank Group is a global financial services leader providing wholesale and retail banking, leasing, and real estate services in more than 37 countries worldwide. Founded over a century ago, Rabobank today is one of the world's largest banks with over $678 billion in assets. In North America, Rabobank is a premier corporate and investment bank to the food, agribusiness, commodities and energy industries in the United States, Mexico, and Canada. Rabo AgriFinance, a subsidiary of Rabobank, is a leading financial services provider for farmers, ranchers and agribusinesses in the United States and Canada. Together, we provide sector expertise, strategic counsel and tailored financial solutions to clients across the entire value chain. Visit ****************** Salary Expectations: Target Hiring Range: $115,000.00 - $185,000.00 This position is subject to the terms of [RAF/Rabobank/RDS]'s compensation plans and policies. It is anticipated that the position will pay within the target hiring range. The range is reflective of the desired primary physical work location and may be adjusted outside of the projected range based on geographical differentiation if the actual work location of the hired candidate differs from the desired primary location, or for other lawful reasons. Further, all full-time regular positions include all other benefits provided to [RAF/Rabobank/RDS] employees, including healthcare benefits, 401k matching, vacation, sick leave, parental leave, possible discretionary bonuses and all other benefits that are all governed by and subject to ERISA plan documents and eligibility. Rabo provides equal opportunity in employment to all employees and applicants and does not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other basis protected by applicable law. Rabo also prohibits harassment of any individuals on any of the bases listed above. At Rabobank, we strive to grow a better world together. In order to achieve that, we have to have the right people in the right jobs. Are you ready to join our team? This job posting has no fixed application deadline. We will accept resumes until a qualified applicant pool is identified. #LI-Hybrid

Group Description: Evercore's Private Capital Advisory (PCA) team is a leading global secondaries market advisor, focusing on providing strategic advisory services to financial sponsors across a variety of portfolio and fund management objectives, advising limited partners on liquidity solutions for their private asset portfolios, and employing various forms of structured ABS technologies to create innovative capital and liquidity solutions for private markets issuers and investors. What is the position? PCA is seeking to hire a highly motivated Analyst to join its team, with a focus on GP-led private credit transactions. The ideal candidate is intelligent and mature, has experience in investment banking or investing (ideally credit or secondary focused), the desire and flexibility to work in an entrepreneurial environment and the ability to learn on the job. The ideal candidate must demonstrate the ability to work on several projects concurrently and possess the desire to learn and work hard. Specific Qualifications: * 1-2 years of investment banking or investing experience (ideally restructuring or secondary focused, credit experience a plus) * Bachelor's degree in Finance, Accounting, or a related discipline strongly preferred * Proficiency in Microsoft Excel with strong financial modeling skills * Superior analytical skills and demonstrated excellence in academic coursework * Exceptional verbal and written communication skills, with the ability to present complex information clearly * Strong interpersonal skills and ability to articulate ideas * Demonstrated strong work ethic, self-motivation, and ability to thrive in a fast-paced, team-oriented environment * Energetic, results-driven, and intellectually curious individual who takes initiative and ownership of responsibilities Expected Base Salary Range: $120,000-$140,000 In addition to a competitive base salary, employees may be eligible to receive a discretionary bonus delivered in the form of cash and/or deferred equity. Evercore also offers a variety of benefits and programs, subject to eligibility. These include, but are not limited to: * Medical, prescription, dental, and vision insurance, including healthcare savings and reimbursements accounts * 401(k) Retirement Plan * Life and disability insurance, including additional voluntary financial protection insurance * Well-being resources and programs, including mental health and mindfulness programs, digital wellness platforms, well-being events, and targeted on-site health services * Family-building and family-support benefits * Paid parental, caregiver, marriage and bereavement leave * Commuter benefits, health club membership discounts, and other corporate discounts * Paid holidays, vacation days, personal days, sick days, and volunteer opportunities About Evercore: Evercore (NYSE: EVR) is a premier global independent investment banking advisory firm. We are dedicated to helping our clients achieve superior results through trusted independent and innovative advice on matters of strategic significance to boards of directors, management teams, and shareholders - including mergers and acquisitions, shareholder advisory, restructurings, and capital structure. Evercore also assists clients in raising public, private capital, delivers equity research, equity sales and agency trading execution, in addition to providing wealth and investment management services to high-net-worth individuals. Founded in 1995, the Firm is headquartered in New York and maintains offices and affiliate offices in major financial centers in North America, Europe, the Middle East, and Asia. For more information, please visit ***************** Inclusion and Equal Opportunity Employment: Evercore is an equal employment opportunity employer and does not discriminate against individuals because of actual or perceived race, color, creed, religion, sex, pregnancy, national origin or ancestry, mental or physical disability, age, veteran status, military status, citizenship status, sexual orientation, gender identity or expression, genetic information, or immigration or citizenship status, or any other characteristic protected by applicable law (referred to as "protected status"), in accordance with applicable federal, state and local laws.

Chilton Trust is an independent, privately owned, wealth management company providing wealth management services and investment solutions to high-net-worth individuals, families, foundations, endowments, and institutions. Chilton Trust is built on the deep investment culture and rigorous standards of performance excellence which have been the hallmark of its affiliate, Chilton Investment Company, which was founded three decades ago by Richard Lockwood Chilton, Jr. Chilton Trust offers a full suite of individually customized services including access to internal equity and fixed income management, best-in-class external traditional and alternative managers, standalone national trust company capabilities, fiduciary, consolidated wealth reporting, comprehensive family office services and transactional planning. The firm's emphasis on relationship management is vital and built upon integrity, confidentiality, high quality service and customization to meet the evolving needs and complexities that often exist with clients. Chilton Trust has more than $8B in assets under management with over 250 family relationships and offices in Charlotte, Charlottesville, Connecticut, Delaware, Naples, New York and Palm Beach. Position Description The Junior Credit Analyst will be part of a larger Fixed Income team with responsibilities including, but not limited to, the following: Conduct fundamental credit analysis of both municipal issuers and Investment grade corporate issuers using self-created dynamic modeling tools that can respond to both credit and macro driven events. Assign & maintain internal credit ratings and monitor issuer fundamentals, ratings changes, and macroeconomic trends. Assign periodic industry/sector outlooks to both municipal and corporate sectors. Conduct portfolio analysis for prospective and current clients. Work closely with portfolio managers, effectively communicating credit risk assessments and analysis to support the portfolio manager's investment decisions. Providing on-going surveillance of credit exposure, staying abreast of all issuer updates, and relying relevant information to the team. Partner with Firm's Economist, wealth and client advisors to support new business efforts and maintain strong client relationships. Help to ensure portfolios adhere to internal investment guidelines, client mandates, and applicable regulatory frameworks. Work closely with compliance, operations, and legal teams to support best practices and operational efficiency. Qualifications Bachelor's degree in Finance, Economics, Accounting, or a related field; advanced degree (MBA, MPA) or CFA designation a plus. 4-7 years of experience in credit analysis preferably with a Credit Rating Agency or with a wealth management, investment advisory, insurance company or in asset management Solid understanding of credit with a flexibility to work either on investment grade corporates or on high quality municipals. Ability to work independently and collaboratively in a client-centric, performance-driven culture. Excellent analytical, communication and presentation skills. Strong technology skills, including experience in FactSet, Bloomberg and Excel. Experience with Addepar is a plus. Chilton seeks candidates who have outstanding analytical skills coupled with strong organizational and communication skills. Applicants should be pro-active, motivated, passionate, and work well in a team environment. We pride ourselves on building a team of professionals working toward a common goal in a collaborative fashion. We offer a competitive and comprehensive compensation and benefits package that is based on, among other things, your overall performance and contributions to the firm. The salary range for this job is $125,000 to $145,000. Base salaries are determined based on a wide variety of factors including but not limited to years of relevant experience, education and other qualifying factors like additional accreditations. Base salary does not include others forms of compensation and benefits including medical and dental coverage, disability and life insurance, 401(k) plan (and company match on contributions made) and accrued paid time (which may vary based on role and tenure).

Reporting Lines: Head of Research - Investments Public Markets Muzinich & Co. is a privately owned, global institutional asset manager specializing in corporate credit. For over 25 years, we have delivered superior risk-adjusted returns across diverse market conditions. Our investment strategies span senior loans, high yield bonds, alternative credit, private debt, and investment-grade corporate-plus solutions in both developed and emerging markets. Headquartered in New York, we operate across major financial hubs including London, Paris, Frankfurt, Zurich, Milan, Madrid, Dublin, Singapore, Hong Kong, and Tokyo. We pride ourselves on integrity, transparency, and rigorous risk management, working closely with investors to meet their objectives. Position Overview We are seeking an experienced credit analyst with 5-10 years of experience investing in the high yield and leveraged loan markets to cover specific industries as a sector specialist. Experience in Services, Technology and Industrials is helpful but not required. Primary Responsibilities Conduct high yield bond and leverage loan research on companies within industry sectors, focusing on financial projections, debt structure, covenants, and overall creditworthiness. Lead fundamental research across assigned industries, developing clear, conviction driven views on capital structure risk and reward. Put forward timely, actionable buy/sell recommendations that directly inform portfolio decisions. Build strong relationships with company management teams and develop proprietary industry intelligence. Maintain deep, dynamic financial models and forward-looking scenarios. Produce crisp, comparative sector reviews to support idea generation and portfolio allocation. Prepare relative value financial summaries for sectors covered. Requirements / Qualifications Bachelor's degree required; MBA/CFA a plus but not necessary. 5-10 years of high-yield investing experience, ideally with a demonstrated ability to generate insights that lead to performance. A record of superior investment performance, strong idea generation and decision-making skills. An ability to identify and act on investment opportunities in a timely manner. An ability to review and analyse bond indentures and credit agreements. Strong command of Excel and Bloomberg; comfortable working in a fast-paced, idea-driven environment. Why Join Muzinich? Work with a globally recognized leader in corporate credit. Drive innovation and transformation within a dynamic, growing team. International exposure and autonomy to innovate the business.

Profile: Primary activities will include, but not be limited to, research of potential investments across leverage finance (Broadly Syndicated Loans and High Yield bonds): * Act as the credit research analyst responsible for credit investments in one or more sectors; * Develop investment frameworks for relevant industries and the analysis of issuers; * Provide fundamental credit research analysis of cash flow, credit metrics, financial performance, and comparative assessment of market value within sectors. * Identify trends and changes in competitive positions within industries; * Develop models for analysis, including sensitivity analyses to assess pro-forma and projected financial performance. Incorporate the firm's ESG framework in the analysis; * Monitoring of news and industry developments in the credit markets.

The Credit Analyst processes applications from new customers as well as existing ones who like to establish credit terms or adjust their current credit line. The analyst reviews the application for indications of fraud and perform necessary research to conduct background check. S/he interacts with customers in a timely manner to gather necessary information required to process the application. Up on approval, the analyst updates the customer profile, enter credit limits in to the system and informs the applicant the result of their application. In conjunction with the team, s/he manages department phone queue line, mailbox, requests from Sales, A/R etc. Additionally, the Analyst monitors customer's accounts on an annual basis and produces reports as needed. Essential Responsibilities: Processing business credit applications for credit terms account. Investigating and assessing credit worthiness of applicants. Setting up open accounts with a credit limit and entering pertinent verified information on the account profile. Assisting and communicating with Sales, Marketing, A/R, financial institutions and businesses on ongoing daily issues, requests. Performing periodical review through scoring or requesting updated credit information on existing active accounts with high activity/volume. Specific Knowledge, Skills and Abilities: Effective problem solving & analytical skills Excellent written and oral communication skills. Excellent organizational skills and attention to detail.

About The Role: Parker's mission is simple but ambitious: to increase the number of financially independent people. We believe the best way to achieve this is by giving independent business owners the financial tools they need to scale profitably. Our core product combines a virtual corporate card with dynamic spending limits and profitability-focused software tooling-empowering eCommerce merchants to grow faster while staying in control of their margins. We've raised over $180M in equity and debt from world-class investors, including Valar Ventures, Y Combinator, SVB, and notable founders such as Solomon Hykes (Docker), Paul Buchheit (Gmail), Paul Graham (Y Combinator), and Robert Leshner (Compound). We're a Series B fintech scaling rapidly, with strong product-market fit and accelerating demand. We're now scaling our credit operations and looking for a sharp, thoughtful, and experienced Credit Analyst Manager to help us evaluate business creditworthiness and support disciplined portfolio growth. As a Credit Analyst Manager at Parker, you'll lead and evolve Parker's underwriting operations. You'll own credit policy, streamline processes, and help us strike the right balance between risk and growth. If you're passionate about credit risk, data-driven decisioning, and enabling customers through smarter finance - this role is for you. What You'll Do: Lead the credit analyst team for new and existing applicants across Parker's corporate card and lending products. Refine and maintain credit policies, approval thresholds, and risk segmentation logic. Analyze financials, bank data, and alternative data sources to assess creditworthiness. Work closely with Risk, Data, and Product teams to improve automation and develop scoring models. Support Sales and Success teams with responsive, well-informed credit decisions. Monitor portfolio performance and adjust underwriting strategies accordingly. Help build a scalable, high-performing underwriting team over time. What We're Looking For: 10+ years of experience in underwriting, credit risk, or lending - ideally with SMBs, eCommerce, or card-based products Background in fintech, payments or embedded credit products Strong analytical mindset with experience evaluating financial statements and cash flow. Familiarity with underwriting automation tools and workflows Excellent communication skills and a collaborative, low-ego approach Experience in high-growth startups or fintech environments is a plus Nice to Have: Experience with transaction-level data underwriting (e.g. Plaid, Open Banking) Exposure to capital markets or structured finance Experience with tools like Plaid, Alloy, and Ocrolus Why Parker: Work with a high-caliber team that values ownership and transparency. Help shape foundational infrastructure at a fast-growing fintech startup. Competitive comp and meaningful equity

Do you want your voice heard and your actions to count? Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world. With a vision to be the world's most trusted financial group, it's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career. Join MUFG, where being inspired is expected and making a meaningful impact is rewarded. The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details. Job Summary: We're seeking a Credit Risk Analyst who will be part of our growing Portfolio Management Group. You will handle credit coverage for clients in the Sports sector for team, league and venue borrowers. You'll prepare detailed credit analyses and the required credit applications, which include the evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance, and capital structure. As an Analyst, you'll assess risk factors associated with each credit and determine the appropriate risk ratings based on established policies and guidelines. You will support active credit management and new transaction underwriting utilizing solid credit and analytical skills, analyzing risks and mitigants, including monitoring credits for potential internal and regulatory rating changes and general credit deterioration with the goal of maximizing the Bank's net income while minimizing credit costs. Responsibilities: * Perform due diligence on new transactions, amendment requests as well as regularly scheduled quarterly, semi-annual and annual credit reviews of the existing loan portfolio. * Coordinate and communicate account information across various constituencies. * Responsible for building and maintaining knowledge of country/risk factors and all current events within the Sports industry vertical in the assigned portfolio utilizing internal and external sources. * Attend client and bank meetings when appropriate via phone, video or occasionally in-person. * Stay abreast of and maintain compliance with all internal existing and amended policies and procedures * Participate in special projects as assigned. Advanced Credit/Underwriting Solutions: * Support the prescreening of proposed transactions to identify critical structural issues and risks, balancing institutional policy with business objectives. * Prepare and present select Quarterly Watch List credits to senior credit officers. * Understand and maintain knowledge of industries represented in portfolio, including technical aspects and regulatory issues. Policy and Deal Advocacy: * Support Portfolio and Relationship Managers to problem solve and ensure transaction requests are acceptable within the risk appetite of the Bank. * Ensure compliance with internal policy and procedural requirements by understanding and adhering to Global Corporate and Investment (GCIB) Operating Procedures, General Credit Policies for the Americas (GCP), and Procedures for Credit Ratings and Credit Rules. * Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure level with regard to exposure on both a transaction and group level. * Ensure compliance with policy and regulatory requirements, including timely completion of all assigned training courses. Skills & Experience: * Minimum of 6 months of work experience focused on a comprehensive Sports portfolio comprised of league wide, individual team, and sports/entertainment venue transactions within a financial institution. Alternatively, minimum of 1 year work experience within a financial institution or rating agency analyzing corporate client's risk and credit profiles. * Strong financial spreading/modeling and analytical skills specifically related to Sports, including calculating EBITDA adjustments and Fixed Charge Covenant ratios using LTM, forward looking and base case assumptions. * Experience analyzing Sports credit and risk profiles across various financing transactions. * Proficient in Microsoft Word, PowerPoint and Excel * Strong written, verbal and interpersonal communication skills with ability to work independently. * Completion of a formal credit-training program at a money center bank preferred * Bachelor's degree, in Finance, Accounting, Business or Economics (working towards a CFA a plus). Compensation & Benefits: The typical base pay range for this role is between $100K - $110K depending on job-related knowledge, skills, and experience. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, and paid vacation, sick days, and holidays. For more information on our Total Rewards package, please click the link below. MUFG Benefits Summary We will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any. The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified. We are proud to be an Equal Opportunity Employer and committed to leveraging the diverse backgrounds, perspectives and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual's associates or relatives that is protected under applicable federal, state, or local law.

A Major International Bank in Midtown Manhattan is seeking Associate- Portfolio Management - Credit Analyst in their HQ NYC office. Job Description The Associate will be responsible for analyzing financial statements and accounting data. S/He will handle formulating and implementing risk management techniques to control a variety of risk exposures, particularly in the areas of Credit risk. QualificationsWe are looking for someone with min 2-3 years of working experience. They should have a Bachelor's degree or above (Master's preferred) in Accounting, Finance or related fields. Proficiency in spreadsheet analysis, ratio calculation and analysis, cash flow projection & analysis required. Advanced Excel, Modeling, Data Manipulation skills required. Bilingual abilities in English and Mandarin are required. Additional Information All your information will be kept confidential according to EEO guidelines.

• Obtain and analyze credit data and financial statements of new and existing customers to determine credit worthiness, rate credit risk and recommend the level of credit extension. • Determine the necessity of corporate guarantees and letters of credit • Monitor the Accounts Receivable portfolio to identify cash flow opportunities and overdue balances and contact the outstanding customers to pursue payment. • Evaluate credit profiles to identify changes in financial and payment trends, communicate findings to credit management and recommend corrective action • Contribute to the preparation of management financial reporting for use in credit evaluations Qualifications • Bachelors Degree • 3-5 years experience in commercial credit. • Strong financial statement analytical skills • Manufacturing experience • High level of proficiency in Excel and SAP Additional Information $65K plus bonus

This role is located in New York City and will require a hybrid work schedule of at least 2 days in office per week. This role is for Assistant Vice President level candidates. About the Bank Sumitomo Mitsui Trust Bank, Limited was established through the merger of The Sumitomo Trust and Banking Co., Ltd with Chuo Mitsui Trust and Banking, Ltd. on April 1, 2012. We are one of the largest asset managers in Asia and number one among Japanese financial institutions by AUM, with approximately $850 Billion USD in AUM. The Bank provides an assortment of financial solutions and manages a broad spectrum of financial products across its global branches.Department Overview The Americas Division (“AD”) was established in the Sumitomo Mitsui Trust Bank, Limited, New York Branch) (“SMTBNY”) to perform corporate functions and supervise U.S. entities. Established under the AD are the “Global Banking Unit (“GBU”), Americas Division” and “Global Markets Unit (“GMU”), Americas Division” which performs business functions. The Specialty Finance Department (“SFD”) is responsible for originating, booking and monitoring credit facilities for both bilateral and syndicated loan transactions. SFD focuses on building and monitoring portfolio assets in 3 main product areas: Project Finance, Trade and Commodity Finance, Aviation, and Real Estate. Your Role Overview: The Associate will join the Aviation Finance Team which arranges financing transactions for airlines and lessors based in the Americas. The Associate will assist with all aspects of building and managing the aviation investment portfolio, with a particular focus on underwriting new investments and performing due diligence. In addition, the Associate will be responsible for monitoring, analyzing, and reporting on existing investments. Prior aviation experience is preferred, ideally covering airlines or lessors from a credit perspective. Your Duties and Responsibilities Reviews potential assets in aviation and prepares credit applications and makes investment recommendations. Ensures compliance with applicable investment guidelines and directives from Head Office and Branch Management. Monitors assigned assets/products/industries to maintain credit quality through asset/product/industry appropriate measures, i.e., financial analysis and trends, cross-sectional analysis, cashflow analysis and market value/liquidity. Prepares all applications and reports and makes recommendations on all amendments, refinancings and other ongoing activities. Responsible for all Head Office and Branch monitoring and reporting requirements, including rating review, business review of documentation, regulatory review, booking and financial and portfolio review requirements, with support from Operations Analyst as designated. May conduct business development activities. May conduct or support deal structuring activities. Performs other duties and responsibilities as assigned by management. Your Qualifications: Bachelor's degree in Finance or Economics or equivalent with 2+ years related experience. Good knowledge of finance and basic accounting. Good knowledge of commonly used research resources, including Bloomberg, EDGAR, and rating agencies. Basic knowledge of corporate finance transaction. Basic knowledge of loan markets. Proficient in Microsoft 365 (Excel, PowerPoint, Word, Outlook, and Access) and some modeling capabilities. Excellent oral and written communication skills. Why you should join SuMi Trust:SuMi Trust embraces flexible ways of working when the business and role permits. We provide employees with a hybrid working model, allowing for in-office work and work from home. Our diverse and inclusive environment along with our global presence enables us to collaborate and communicate to meet our business needs. We believe that efficient teams need truth, loyalty, and a strong sense of purpose to balance risk and their targets. We make sustainable business decisions to improve our society and the world. We believe that each person brings a unique value that drives the business though their creativity and passion. The Employee Benefits package includes: Paid Time Off, medical, HSA, vision, dental, FSA, 401(k), profit sharing, legal plan, cancer indemnity plan, disability insurance, life insurance, employee assistance program, commuter benefits, business travel accident, paid volunteer day, paid memberships, paid seminars, and tuition assistance. We offer many socialization opportunities for wellness, financial wellbeing, runs/walks, team building, happy hours, and activities to support the Sustainable Developmental Goals. Check out our LinkedIn for our employee experience: *************************************** We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. SuMi Trust provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law. If you need a reasonable accommodation during the application

The world's largest asset class, debt, operates with the worst data. Technology has revolutionized equity markets with electronic trading, quant algos and instantaneous news. However, in debt capital markets, the picture is completely different. It still behaves like it's in the 1980s; trillions of dollars of trades are placed over the phone, news is slow, and corporate credit information is imperfect and scattered. Our mission is to change this. 9fin's proprietary technology delivers fast and comprehensive financial, credit, legal & ESG analysis. Our clients are able to make faster, more informed decisions, win more business and most importantly, save time. Our fast growing list of clients include 9 of the top 10 Investment Banks, leading Asset Managers, Hedge Funds and Law Firms. The opportunity We are looking for a highly motivated and detail-oriented junior analyst to join our distressed credit team. This role will be crucial in maintaining and expanding our restructuring data offering, ensuring its accuracy and utility for our clients. You will be responsible for the end-to-end process of data management, from overseeing data entry to producing insightful analysis. This is an excellent opportunity for someone with a strong analytical mindset and an interest in the distressed and restructuring landscape. What you'll work on Every day is different, but here's an example of the kind of things you'll work on: Produce research, analysis, presentations and articles using our proprietary restructuring data to support our news and analytics offerings for our clients Oversee the data entry and data quality processes for the 9fin restructuring tracker, ensuring comprehensive and accurate coverage of restructuring events across the market Coordinate and oversee 9fin's restructuring league table process, ensuring timely and accurate publication Liaise with internal stakeholders including research, editorial and product teams to generate ideas for new data fields and data products, ensuring the accuracy and relevance of our restructuring data Ensure the accuracy, integrity and timeliness of our restructuring data, proactively identifying and resolving data discrepancies Contribute to projects aimed at improving data collection methodologies and enhancing the overall quality and efficiency of our data operations About you This role will be a great fit if: You have a demonstrable interest in the distressed debt and restructuring markets and are keen to develop your knowledge in this dynamic space You possess exceptional attention to detail and a commitment to maintaining the highest standards of data accuracy You are highly organised and able to manage your workload effectively, prioritising tasks to meet deadlines You have strong communication skills and are comfortable collaborating with different teams across the organisation You are proactive, take initiative, and have a strong sense of ownership over your work You are eager to learn and contribute to the growth and development of our data products Our benefits We're a scaling start up and we enjoy sharing our success, when the company succeeds, we always reinvest that in our people. We also offer huge amounts of responsibility, an abundance of opportunity for growth and a platform to truly excel. Finance & Insurance Salary: $80,000+ Equity options 401(k) (9fin pay 3%, employee contributions are uncapped) Private Health Insurance, with Dental and Vision Paid sick leave Disability Insurance (New York) Commuter Benefit Time off 25 vacation days per year Local public holidays (with the ability to exchange them for alternative days) Hybrid working model Work abroad for up to 3 months a year 1 month paid sabbatical after 5 years of service Enhanced parental leave & flexible working arrangements available Training & Culture Professional learning and development budget Bi-annual team socials Summer and Winter company-wide social events 9fin is an equal opportunities employer At 9fin we are dedicated to building and promoting a fair and inclusive workplace where everyone can reach their full potential and truly belong. We recognize that building diverse teams enables a more creative and productive environment. If you're excited about this role but your experience doesn't perfectly align with the job description, we encourage you to apply anyway. You might just be who we're looking for - either for this role, or perhaps another.

Job Description Circet USA is the leading provider of Network Services in North America, and we're looking for talented professionals to join our team. We specialize in engineering and construction services delivering comprehensive solutions across Inside Plant, Outside Plant, and Wireless networks to meet the evolving infrastructure needs of our customers. With nearly 50 years of industry experience, we work with major telecom service providers, MSOs, cloud service providers, and utilities. At Circet USA, you'll have the opportunity to make an impact by helping to create customized solutions that address our clients' unique challenges. If you're passionate about innovation and thrive in a dynamic environment, we'd love to hear from you. Circet USA's benefits package includes the following: Medical, Dental, and Vision insurance Digital Health & Wellness Support Critical Illness, Accident, & Hospital Insurance Short-term & Long-term disability Group term & Voluntary life insurance Flexible Spending and Health Savings Accounts Paid Time Off & 401K Company Discount Website Responsibilities We are seeking a highly skilled and experienced Credit Analyst to fulfill a staff augmentation role with Circet USA's customer. The position's primary functions include but are not limited to performing detailed reviews and risk analysis on an ascribed portion of portfolio of accounts in order to assess commercial credit risk as well as assign, maintain, or adjust credit limits. For accounts that do not qualify for an open line of credit, the role will require collaboration with team leads to discuss the possibility of alternative hedging (Letter of Credit, Flooring, Factoring, PUT Contracts, etc.). The position holder will be responsible for continuous monitoring of their account portfolio insuring that credit limits are sufficient and alerting team leads as to financial downturns and, with guidance, potentially suggesting credit actions or other risk mitigating solutions. The position will also be responsible for the initial risk analysis and set up of new accounts working with various external teams to ensure appropriate documents are collected and accurate. ESSENTIAL DUTIES & RESPONSIBILITIES include the following. Other duties may be assigned: Manage the commercial credit risk for an assigned portfolio of accounts applying credit practices and procedures (portfolio will typically contain lower risk accounts with modest credit limits) Perform detailed reviews and risk analysis on an ascribed portion of portfolio of accounts in order to assess commercial credit risk as well as assign, maintain, or adjust credit limits. Plans and schedules credit review and risk analysis for assigned portfolio of accounts Uses credit risk analysis skills and business acumen along with available risk assessment tools and third party data to analyze new account requests for open lines of credit as assigned; interfaces with team leads for guidance when encountering unique credit situations during this process Obtain all necessary information to properly risk assess including assigning a risk category from our Financial Health Indicator, perform robust financial review and submission through appropriate channels for activation of credit line and assignment of account number in SAP Reviews and analyzes assembled reports, scorecard data, financial statements and supplementary information such as bank and trade references as well as payment history data to arrive at sound financial decisions intended to support sales while protecting assets Recommends individual credit lines or, for unqualified accounts, works with team leads to assess the viability of other hedging options, or courses of action and again with guidance from team leads facilitates the implementation of credit line or other approved solution for challenging risks Personally handles non routine credit inquires and correspondence as it relates to their portfolio involving team leads for guidance to potential challenges based on those inquiries Defers team leads for advice on particularly complex problems and cases requiring interpretation of policy decision Monitors monthly lines of credit for customers in assigned portfolio of accounts to ensure that balances are within approved limits Assist team leads or Sr. Analysts in support, when requested, to the following: Service Division, Content & Services, Harmon, Dacor, Neurologica, etc. in all aspects of risk assessment of Accounts Receivable and also provide assistance with regard to credit processes and risk mitigation tools and services as well as hedging options. This could include reports from third party services or just general procedure and practices along with requests for standard templates or forms and overall credit opinions. In the Company of team leads may be asked to represent the Company at creditors' meetings trade shows bankruptcy proceedings or other related events Prepare and submit departmental reports from simple inter-department reports, to more complex companywide reports.(may include but not limited to) Quarterly report, Monthly report, Watch list report, Z-Credit AR Forecast report, any ad-hoc reporting that may be required, etc. Will be required to be part of customer visits as needed to obtain financials or assess overall business operations and status of assigned accounts (team leads will accompany as necessary) Qualifications Bachelor's degree with focus on accounting or finance. Proficient in Windows, Excel, Word, PowerPoint. Understanding the business and market trends which impact our accounts. Strong analytical skills, the ability to analyze and also interpret the meanings in written and verbal form. Approximately 3-5 years commercial credit experience performing complex financial statement analysis, as well as handling spreadsheets and reporting tools used to conduct successful analysis. An understanding of risk/reward analysis and credit mitigation documents. Familiar with SA Strong Financial Analysis and risk assessment skills Understanding of insurance and various other hedging options Solid communication and negotiation skills Considers a wide range of alternatives prior to making a decision Takes initiative as problems & opportunities arise; seizing opportunities early Effectively recognizes emergencies & crisis's and brings them to attention of team leads Actively develops a climate of teamwork & cooperation when working with peers Ability to communicate with people at different organizational levels Follows up on tasks & assignments to ensure successful completion on assigned dates Circet USA is an Equal Opportunity Employer - Veteran/Disabled. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status or other characteristics protected by law.

Full-time Description About Us Bogota Savings Bank has been a community-anchored financial institution since 1893. Originally established as Bogota Savings and Loan, we converted to a State Mutual Savings Bank in 1996 and later merged with Gibraltar Bank in 2021, expanding our footprint into Essex and Morris counties. We believe banking should be personal, local, and reliable. Our mission is to provide excellent customer service, affordable and efficient banking solutions, and superior product offerings to our customers across New Jersey. Whether it's through our full-service branches, surcharge-free ATM network, or modern digital banking tools, we serve our communities with integrity, care, and responsiveness. About the Role As a Credit Analyst, you will play a critical role in supporting the Lending team by analyzing financial data, loan documentation, and risk profiles of current and prospective borrowers. Reporting to the Chief Lending Officer, you will ensure that credit decisions are informed, compliant, and aligned with the Bank's standards. This role provides an opportunity to interact with commercial real estate clients as a secondary point of contact, contributing directly to sound lending practices and strong client relationships. Requirements Key Responsibilities Gather, analyze, and interpret credit information, leases, real estate appraisals, and investigative reports to assess creditworthiness of borrowers. Prepare comprehensive credit analysis packages and loan requests for review by the Internal Loan Committee. Review and monitor Commercial Real Estate Loan documentation at inception and throughout the loan lifecycle, including annual reviews. Assign and update credit risk ratings, ensuring timely tracking of reports, appraisals, and financial statements. Draft correspondence with clients to request financial information and support loan processing. Enter loan details into departmental systems, preparing recommendations for term sheets and loan offerings. Maintain compliance with all lending policies, regulatory requirements, and the Bank Secrecy Act/CIP procedures. About the Candidate You are detail-oriented, analytical, and highly organized. You enjoy working with financial data and take pride in accuracy and thoroughness. You balance technical expertise with strong communication skills, building trust with colleagues and clients alike. You thrive in a structured environment, adhering to regulatory standards while contributing to a client-focused lending process. Knowledge, Skills and Experience Associate's degree or equivalent; bachelor's degree in finance, accounting, or related field preferred. Minimum of 2 years of banking experience with formal credit training. Strong knowledge of Microsoft Excel and Word; familiarity with lending software systems preferred. Excellent written and verbal communication skills. Ability to interpret financial statements, credit reports, and appraisal documentation. Strong organizational and time management skills with attention to detail. Core Competencies Manages Complexity - You make sense of complex and sometimes contradictory information, applying structured analysis to support sound credit decisions. Financial Acumen - You use financial data and indicators to inform lending recommendations and ensure alignment with business goals. Customer Focus - You build and maintain strong client relationships while delivering solutions that meet client and organizational needs. Ensures Accountability - You take ownership of your work, ensuring accuracy, compliance, and timely completion of credit analyses. Collaborates - You work effectively across teams, supporting colleagues and contributing to shared success. Salary Description $40,000 - $70,000 Depending On Experience

Hours: 40 Pay Details: $29.75 - $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: Department Overview: The Credit Analyst II is a member of the Community Reinvestment Act (CRA) Team within Institutional Commercial Real Estate (I-CRE) Credit Management at TD Bank. The CRA Team focuses on the structuring, underwriting, and portfolio management of CRA-eligible construction loans for projects financed with LIHTC, tax exempt bonds, and other forms of subsidy. These projects result in the new construction and preservation of affordable housing and other community development assets in Low and Moderate Income (LMI) communities across the Bank's footprint. The CRA Team is aligned with the I-CRE line of business working alongside Relationship Management and Credit Risk Management, and is responsible for recommending loan opportunities that are consistent with the TD Bank Group's Risk Appetite Principles. The above details are specific to the role which is outlined in the general description below. 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. Preferred Qualifications: * Experience with LIHTC, Tax-Exempt Bond, and other forms of affordable housing finance. * Experience in real estate finance and modeling. * Strong Microsoft Excel knowledge. 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.

When you join Kyocera Document Solutions America, Inc. you are joining an organization that is deeply rooted in the Philosophy of “doing what is right as a human being”. Through this Philosophy, our employees are passionate about providing best in class customer service through efficiency, accountability and a sense of urgency all while putting knowledge to work to drive change. In addition, we're a Great Place to Work… and we really mean it! Kyocera Document Solutions America, Inc. was officially certified a Great Place to Work since 2022. An organization earns this distinction when its employees have expressed their trust the people they work for, have pride in what they do and enjoy the people they work with. As a Credit Analyst, you will handle at least 80 to 100 dealer accounts, in aggregate, for both regions. On a daily basis, you will manage the order releases for all dealer orders on their regional order Queue. You will ensure that all orders for creditworthy accounts are promptly released and advise the dealers of any credit or collection issue. You will also need to secure approvals from the Third-Party companies for inventory finance orders and review all documentation for split funding orders. The chance to do something meaningful, to challenge yourself, to be a part of change in an industry, to influence change doesn't come around every day. Responsibilities + Manage the order releases for all dealer orders on their assigned order queue. + Ensure that all conforming orders for creditworthy accounts are promptly released. + Advise dealers of any credit or collection issues and the requirements for resolution. + Secure approvals from third-party finance companies for inventory finance orders. + Review all documentation for lease split funding orders. + Monitor the accounts that are delinquent by regularly reviewing the aging information. + Initiate collection efforts by phone or email to secure payment. + When discrepancies arise, assist the dealers in resolving the identified issues. + Work with Customer Service, Sales administration, and Regional Sales staff in an advocacy role. + Coordinate with Accounts Receivable staff to ensure prompt and correct cash applications, account reconciliation, and invoice payment variances. + Continuously review CWO reports, at least daily, to ensure CWO invoices are paid within policy. Continuously review third-party unpaid reports, at least daily, to ensure these invoices are paid within 30 days of the invoice date. + Effectively negotiate payment plans with dealers and act to ensure adherence to the plans. + Prepare legal referrals for past-due accounts as needed. + Ensure that updated dealer financial statements are received in a timely manner and reviewed on as annual basis, or more frequently as needed. + Assist the National Credit Manager by analyzing all types of customer financial statements including compilations, reviews, audits, tax filings, etc. + Perform financial ratio analysis on the balance sheets income statements and statements of cash flow to measure the financial condition of the dealer base through liquidity, solvency, efficiency, and cash flow statement analysis. + After completion of analysis, prepare a formal written credit narrative explaining the risk profile and then make quantitative recommendations to the National Credit Manager. + Cross train with other regional credit analysts regarding areas of responsibilities. + Provide monthly reports to Corporate Credit Management such as: regional delinquency performance, daily sales Outstanding (DSO), and past due analysis. Qualifications + Bachelor's degree in a business-related field. + Five or more years' experience in Commercial Credit Management. + Possess strong interpersonal and negotiation skills. + Industry experience is a significant plus. + Experience with a major ERP (Oracle, SAP, JD Edwards, etc.) + Proficient with Microsoft Office Suite, particularly Excel and Word. + Must be a strong team player. + Must be able to work overtime particularly during the end of the month. The typical pay range for this role is $71,000 -$88,000. This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography, and other relevant factors. We offer a comprehensive benefits package designed to support our employees' well-being which includes: + Medical, dental and vision plans + 401(k) retirement plan with Company match + Life insurance and disability coverage + Paid time off and holidays + Paid parental leave + Employee Assistance Program + Volunteer Time Off + Professional development course reimbursement Note This is a general description of the duties and responsibilities most frequently required of this position. The company may from time to time request that the incumbent perform other related tasks and assume reasonable responsibilities that have not been specifically included in this description. Kyocera Document Solutions America, Inc is a group company of Kyocera Document Solutions Inc., a global leading provider of total document solutions based in Osaka, Japan. The company's portfolio includes reliable and eco-friendly MFPs and printers, as well as business applications and consultative services which enable customers to optimize and manage their document workflow, reaching new heights of efficiency. With professional expertise and a culture of empathetic partnership, the objective of the company is to help organizations put knowledge to work to drive change. Kyocera is looking for enthusiastic and innovative people to help our customers run their businesses more efficiently and more profitably. We offer a generous benefits package including medical, dental and vision plans, a 401k match, flexible spending, disability and life insurance, plus paid time off and holidays. KYOCERA Document Solutions America, Inc. is an Equal Opportunity Employer, a VEVRRA Federal Contractor, and complies with all applicable federal, state, and local laws regarding nondiscrimination. Kyocera provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, disability, or protected veteran status. Qualified minorities, women, protected veterans and/or individuals with disabilities are encouraged to apply.