Credit analyst jobs in Portland, ME

Contract: 3-+ months Onsite for training, then Hybrid - Boston, MA 02115 Hourly rate range: $28.50-38.50/hr depending upon experience Must Haves: High school diploma/GED required 3+ years of experience in cash posting, cash reconciliations and credit balance resolution Healthcare/finance experience Preferred: Bachelors degree Epic payment posting certification preferred Job Summary The Supervisor, Cash & Credit oversees daily payment posting and credit balance operations to ensure timely, accurate reconciliation of all incoming payments and compliance with regulatory and organizational requirements. Key Responsibilities Manage day-to-day cash posting and credit balance workflows, ensuring all payments are posted, reconciled, and maintained in compliance with payer and regulatory guidelines. Oversee processing of payment batches-including denials, contractual adjustments, and guarantor payments-and ensure all batches are balanced and closed on time. Review and analyze Explanation of Benefits (EOBs), verifying co-pays, deductibles, co-insurance, adjustments, and denials to ensure accurate patient account balances. Lead efforts to resolve posting or cash balance discrepancies, ensuring issues and resolutions are fully documented for audit readiness. Monitor key performance indicators related to timeliness, accuracy, and backlogs, and provide training and guidance to improve team performance. Prepare and evaluate cash performance reports, offering insights on trends, gaps, and improvement opportunities while addressing escalated posting issues. Review and approve refund and retraction requests within established authority levels.

A services company in Massachusetts has a current opportunity for a PPM Analyst on a contract basis. Responsibilities: Serve as an administrator and analyst for the Enterprise Portfolio Management tool, ensuring its functionality aligns with organizational requirements Configure and maintain tool settings, workflows, dashboards, reports, and integrations to support portfolio, program, and project management processes Manage user access, roles, and permissions, ensuring compliance with security and governance policies Monitor tool performance and troubleshoot issues to ensure seamless operation, may be accountable to ensure effective system upgrades Oversee data accuracy and integrity within the enterprise tool, performing regular audits and updates as needed Develop and maintain custom dashboards, reports, and analytics to provide actionable insights into portfolio performance Provide training to new and existing users on tool functionality, processes, and best practices Develop user guides, FAQs, and other training documentation to support tool adoption and effective usage Act as a liaison between the organization and enterprise portfolio vendor representatives for tool enhancements, upgrades, and support Support change management efforts related to tool adoption and updates, ensuring smooth transitions for users Monitor portfolio health and provide recommendations to improve resource allocation and project prioritization Qualifications: 3+ years of experience in Portfolio Management tools administration Bachelor's degree in Information Technology, Business Administration, Project Management, or a related field (or equivalent experience). Proficiency in configuring and administering Enterprise Portfolio Management tools (or similar PPM tools) Strong analytical skills with the ability to interpret complex data and generate meaningful insights Knowledge of Portfolio, Program, and Project Management methodologies (e.g., PMI standards, Agile frameworks) Excellent communication and collaboration skills to work with diverse stakeholders. Advanced proficiency in Microsoft Excel and data visualization tools (e.g., Power BI). Ability to manage competing priorities and meet deadlines in a fast-paced environment. Desired Skills: Working knowledge of Planview Experience working within a PMO, IT, or Project Management environment

This position obtains financial data and other documentation for use in paying customer invoices and clearing customer deductions. Responsibilities: Pays and/or clears invoices before customer deducts from client Clears deductions / Problem solving / Performing research to resolve client inquiries Validate and clear customer audits Keeps an organized filing system Maintains detailed working knowledge of assigned clients' policies and procedures and conforms to these requirements All of the above is performed through the direction of the account executive and client, whether it be on a Trade Promotion Management (TPM) System (such as AFS, Adesso, Demantra, Quick Base, Siebel, Account Review, Vistex, etc.), telephone systems, or company's forms Other duties as assigned SKILLS / KNOWLEDGE / ABILITIES REQUIRED Language Skills • Ability to read and interpret documents such as client instruction manuals, and JOH company procedure manuals • Ability to write routine reports and clear correspondence • Ability to speak effectively Mathematical Skills • Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages • Must have knowledge of basic mathematical concepts • Ability to use calculator to perform simple functions Reasoning Ability ▪ Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form ▪ Ability to deal with problems involving several concrete variables in standardized situations ▪ Ability to work independently to research and resolve issues Computer Skills • Word • Excel • Outlook • Other applications as necessary • Keyboard speed and accuracy PERFORMANCE AND/OR EDUCATION PREREQUISITES To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the essential duties, responsibilities and skills required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. High school diploma and one to two years of related experience preferred. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to reach with hands and arms and talk or hear. The employee frequently is required to sit. The employee is occasionally required to stand; walk; and use hands to finger, handle, or feel objects, tools, or controls. Specific vision abilities required by this job include close vision. WORKING CONDITIONS The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. HAZARDS Only those present in a normal office setting

A leading global law firm is seeking an Conflicts Analyst to join its Office of the General Counsel team. This role plays a critical part in ensuring compliance and supporting firmwide risk management by preparing and analyzing conflicts reports related to new client business and incoming attorneys. The position involves reviewing new business and lateral conflicts checks across advisory, NDAs, transactional matters, and more. This role can sit hybrid in DC, Boston or LA. Key Responsibilities: Prepare and analyze standard conflicts reports for new clients, matters, and lateral hires. Communicate with attorneys and staff regarding conflict check results, missing information, and requirements. Update data in conflicts databases and conduct corporate research using internal/external sources. Research corporate entities subject to conflicts review using electronic databases, the Internet, and print sources. Analyze attorney responses concerning potential or actual conflicts and escalate as needed. Maintain and protect highly sensitive and confidential information at all times. Qualifications: Bachelor's degree required (or 4+ years of relevant experience in lieu of degree). Minimum of 3 years of experience demonstrating professional interpersonal skills, problem solving, and independent work. At least 2 years of relevant experience in a law firm or professional services firm, preferred. At least 2 years of experience with Intapp software, preferred.

The Salesforce ITS Analyst reports to the Director of ERP & CRM Operations & Implementations and works closely with end users to ensure the CRM applications of Salesforce, Kindsight ascend Fundraising Platform, ascend Portal, Linvio Events, GiveCampus Online Giving, and Salesforce Marketing Cloud Account Engagement are configured according to business user needs. The individual responds to user requests regarding application issues and enhancement requests, and, under the direction of the Director of ERP & CRM Operations & Implementations, translates prioritized, complex institutional business needs into precise, actionable requirements and sustainable solutions. Develops strategies and roadmaps for Salesforce rollouts across various University departments and participates in data conversion, mapping, and validation related to these efforts. Job Summary: Business Systems Analysis in the Expanded Adoption and Optimization of Salesforce - 80%: The Salesforce Analyst serves as a critical bridge between the functional departments and the ITS team. This role is responsible for supporting user adoption and ongoing optimization of the University's enterprise Salesforce Sales Cloud platform, designing technical solutions to support and enhance a suite of CRM applications, including but not limited to Salesforce, Kindsight ascend Fundraising Platform, ascend Portal, Linvio Events, Salesforce Marketing Cloud Account Engagement, and GiveCampus Online Giving. The Salesforce ITS Analyst works under the direction of the Director of ERP & CRM Operations & Implementations; in conjunction with the CRM team in ITS; in partnership with Institutional Advancement colleagues; and in collaboration with campus partners across the institution. Specific responsibilities include: Collaborate extensively and meet one-on-one with departmental end-users and subject matter experts to gather, analyze, and define functional and non-functional requirements for enhancements, data reconciliation, and system integration needs. Determine technical feasibility and create roadmaps for CRM-related system enhancements. Participate in data conversion and mapping to transfer data from non-Salesforce applications to Salesforce. Perform data validation on existing and incoming data to Salesforce. Participate in enhancement projects and product upgrade processes (requirements, roadmaps, documentation, systems configuration, testing strategy, and rollout). Deliver day-to-day functional support for our suite of Salesforce applications, providing scalable and reusable solutions where possible. Review, respond to, and resolve user-generated help tickets in the TeamDyanmix service management system, following established SLA parameters. Training and Knowledge Transfer - 20%: Engage in knowledge transfer to expand user knowledge of Salesforce, Kindsight ascend Fundraising Platform, ascend Portal, Linvio Events, Salesforce Marketing Cloud Account Engagement, and GiveCampus Online Giving. Partner with the ITS Change Management Office to develop training materials for the user community on system functionality, modifications, and enhancements. Create, enhance, and expand our library of system documentation and training materials. Job Requirements: Education: BA/BS required. A minimum of 3 years of Salesforce experience and Salesforce Certified Administrator certification is required; higher education experience is preferred. Skillset: Experience with Salesforce configuration and management of Salesforce Contacts/Constituents, Accounts, Leads, and Opportunities is required. Experience with data conversion, mapping, and validation from various applications to Salesforce is required. Familiarity with Salesforce declarative solutions and point-and-click tools is a plus. Familiarity with event management and email marketing tools is a plus. Excellent analytical and problem-solving skills and demonstrated ability to set priorities and meet deadlines. Ability to work well under pressure and understand the urgency of University deadlines. Experience in maintaining a high degree of discretion with data. The ability to learn and apply new technologies to solve business challenges is required. They offer a competitive benefits and compensation package which includes medical, dental and life insurances. If you are looking to advance your career through educational opportunities, the organization offers tuition assistance for employees, dependents and spouses. Our 403b retirement savings plan includes a generous match.

Join the Nation's Leading Team of Technical Experts! We are seeking a full-time Vibration Analyst with a proven ability to independently diagnose machinery issues and communicate findings in a professional manner. The ideal candidate will be based in the Augusta ME area and will be servicing industrial facilities within the region. We offer generous relocation assistance for qualified candidates. Company Description IVC Technologies is the largest independent provider of predictive maintenance (PdM) services in the U.S., with over 40 years of experience and more than 50 certified analysts serving 500+ industrial customers. As a privately owned company, our culture is rooted in technical excellence, continuous improvement, and a strong commitment to employee development. We offer over 20 predictive maintenance services to deliver custom, best-in-class solutions to clients across the country. Our analysts use state-of-the-art tools and receive 24/7 support from industry-leading experts. Internal training, hands-on experience, and mentorship are key pillars of our team's growth. We value flexibility and independence, attracting professionals with strong character, resilience, and a get-it-done attitude. If you take pride in ownership, responsibility, and long-term customer relationships, IVC is a great fit for you. Role Description This is a full-time position located in Augusta ME area, requiring frequent travel within the assigned area of operations. Our operating model ensures that our analysts are assigned accounts within a reasonable driving range, minimizing travel whenever possible. Primary responsibilities include: Own and manage multiple predictive maintenance programs across various industrial facilities Independently schedule on-site visits in accordance with contracted service frequencies Perform on-site data collection across various equipment types, following IVC protocols Analyze data using handheld instruments and specialized software Conduct remote analysis where wireless systems are deployed Maintain vibration databases per IVC and client standards Identify and diagnose mechanical failure modes Prepare and distribute reports in line with IVC standards Communicate findings to customers stakeholders in a professional and proactive manner Create and submit case studies that demonstrate value creation Build and maintain strong relationships with customers' on-site personnel Perform facility walk-downs and gather relevant information when requested Perform one-off field service when requested from customers or IVC peers Embrace a culture of safety and ensure compliance with all relevant standards (OSHA, customer-specific requirements, etc.) Qualifications and Competencies Certification in Vibration Analysis from a recognized industry body Minimum 3 years of experience in hands-on troubleshooting using vibration analysis Certifications in Infrared, Oil Analysis, and other PDM techniques are an important asset Good understanding of machinery operation and experience working in an industrial setting Genuine interest in expanding knowledge in this industry and becoming a recognized expert Excellent written and verbal communication skills Strong time management skills, ensuring both proactive scheduling and flexibility Ability to work independently, while adhering to our processes and quality standards What is in it for You? Competitive base salary and an attractive performance-based bonus program Competitive benefits program with health, dental, 401k, vacation, insurance, and more Generous relocation assistance for qualified candidates and their dependents Work in a business where you'll own your work and grow into a technical leader Real opportunity to make a difference in major industrial operations Large variety of nationwide opportunities available to you long-term Join a high-integrity, privately owned company that cares about you and your family Candidates must be authorized to work in the US to be considered for this position.

SPECIFICATION SPECIAL SITUATIONS ANALYST Shine Associates, LLC has been retained to search, identify and recruit a Special Situations Analyst on behalf of our client (‘Company'). This candidate will be located in the Boston, MA office. CONFIDENTIALITY Shine Associates, LLC has been exclusively retained on this assignment. Information contained in this position specification as well as any other information concerning the Company provided or verbally discussed is confidential. All materials and discussions are to be utilized for the sole purpose of a candidate's personal review of the career opportunity. CLIENT DESCRIPTION The firm is a real estate focused private equity firm that invests in a wide variety of opportunistic and value-oriented commercial real estate transactions where the conditions exist for compelling absolute returns over a short and medium duration. The firm invests throughout the United States in single property transactions and multiple property portfolios whereby the investment strategies are based on property-level operational enhancements as well as those with pricing advantages that arise from distressed, complex, and dislocated scenarios. The firm's investments are structured in numerous capital forms including direct investments, joint venture equity, preferred equity, mezzanine loans, and transitional first mortgages. Since 1993, the firm has invested in more than $21 billion of commercial real estate on behalf of a diversified and highly regarded group of endowments, foundations, public and corporate pension plans, financial institutions, family offices, and sovereign entities. SPECIAL SITUATIONS ANALYST The Analyst will be part of a Special Situations deal team that is responsible for sourcing, closing, and managing several of the firm's bespoke investment strategies including Opportunity Zones, a Caribbean resort development, and a motorsports racetrack development. In this role, the Analyst will be deeply involved throughout the investment lifecycle of a transaction, from underwriting to closing, operational enhancement, investor relations, and eventual sale. The Analyst will work closely with the deal team to evaluate and underwrite prospective investments and provide support to the joint venture and asset management teams in executing the investment strategy established at acquisition. This position will involve work across multifamily and club developments throughout the United States. It is ideal for candidates who are intellectually curious, eager to learn the business from the ground up, and excited to contribute meaningfully within a small, entrepreneurial team environment. KEY RESPONSIBILITIES Our client employs a “cradle-to-grave” investment management philosophy and is seeking an Analyst who will play an active role throughout the deal lifecycle. Primary responsibilities include: Investment Analyst & Underwriting Build and maintain detailed financial models for new investments, development phases, refinancings, and capital improvement projects. Conduct sensitivity analyses and scenario modeling for equity, debt, and joint-venture structures. Support Opportunity Zone investor reporting for existing investments. Underwrite new Opportunity Zone investments, assessing both financial and tax-advantaged returns. Assist in preparing investment memoranda and presentations for internal review and external capital partners. Research and analyze market data, comparable developments, and operating benchmarks across hospitality, residential, and motorsports sectors. Development Management Support Track budgets, schedules, and key milestones across design, permitting, and construction phases. Help prepare monthly project reports and dashboards for leadership and investors. Coordinate with architects, engineers, and consultants to collect, synthesize, and present project data. Assist in due diligence and feasibility analysis for new land acquisitions or expansion opportunities. Operations & Business Planning Collaborate with on-site management teams to analyze membership sales, event performance, and resort operations. Evaluate pro forma performance versus actual results and identify key performance drivers. Research & Strategic Support Maintain comparable deal databases for land sales, luxury hospitality, and private club communities. Research and support Opportunity Zone strategy across new markets and expansion opportunities. Support strategic initiatives such as partner selection, brand collaborations, or new product lines (e.g., garages, villas, or track events). Prepare briefing materials for senior leadership meetings and board updates. PROFESSIONAL QUALIFICATIONS Candidates should possess broad-based analytical skills, superior cash flow modeling capabilities, strong research abilities, and excellent communication skills. Bachelor's degree is required, with preference for candidates in real estate, finance, economics, and/or accounting. Approximately 1 to 3 years of related post-undergraduate experience preferred, though candidates with strong skill sets and interest to pursue a career in the commercial real estate will also be considered. Exceptional financial analysis and modeling skills utilizing Microsoft Excel and PowerPoint. Exceptional Power Point skills with the ability to create high-quality presentation materials. Strong organizational skills with ability to manage multiple tasks and effectively meet deadlines. Team player with the ability to work independently and under pressure in an entrepreneurial environment. Familiarity with real estate finance and accounting concepts, including joint venture partnerships and broader investment structures (equity, preferred equity, and debt), with an understanding of returns are generated across different positions in the capital stack. High level of attention to detail, accountability, integrity, and ethics. Self-motivated, energetic, and a positive individual with strong verbal and written communication skills, and the ability to work effectively with individuals at all levels. COMPENSATION The Company is prepared to offer a competitive compensation package including salary, bonus and other benefits. CONTACT INFORMATION Shine Associates, LLC 45 School St., Suite 301 Boston, MA 02108 ************************** Hillary H. Shine, Principal Chandlee Gustafson, Associate Cell: ************** Cell: ************** ****************************** ******************************* Kelsey Shine, Director Cell: ************** *****************************

Responsible for analyzing and monitoring the credit worthiness of the Bank's commercial customers. Recommend credit facilities within the established bank guidelines. ESSENTIAL DUTIES & RESPONSIBILITIES Collect and track receipt of financial statements, borrowing base certificates, and covenant compliance certificates from existing customers Perform annual reviews of existing relationships including spreading financial statements, analyzing corporate borrower's financial performance and condition, evaluating cash flow, collateral, guarantor support and other pertinent factors Produce modification requests for existing relationships Prepare preliminary analysis, typically financial statement spreads and cash flow calculation, of prospective borrowers Underwrite new loan requests including above referenced analysis as well as evaluation of proposed transaction Assign risk ratings as appropriate and monitor covenant compliance Provide analytical support to Senior Credit Analyst and Account Officers as needed Attend and participate in meetings with customer and Account Officer as needed Be prepared to discuss proposals with approval authorities on a one-on-one basis as well as in a committee setting Perform additional duties as requested, needed or assigned JOB REQUIREMENTS Knowledge of commercial and industrial lending practices and related areas Knowledge of financial institution regulatory environment and policy Ability to work independently with some guidance from team members Prioritize work product in order to meet varying deadlines Excellent knowledge of corporate and personal financial statements Excellent financial analytical skills with sound judgment and decision making abilities Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable and highly self-motivated Aptitude in Microsoft Office Suite, especially Excel and Word Experience with spreading software Excellent written and verbal English communication skills Ability to adhere to Needham Bank's Core Values ( Quick-Decision-Making, Reliability, Relationship-Based Focus and Quality Service ) Represent the Bank at various community functions Participate on Bank task forces and committees as assigned Engage in continuing education opportunities as they become available EDUCATION & EXPERIENCE Bachelor's degree in Accounting/Finance or related area At least 2 years of Commercial and Industrial Lending credit experience with loan exposures ranging from $500,000 to $35 million. SBA underwriting experience preferred. WORKING CONDITIONS/PHYSICAL DEMANDS Normal business office environment Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short and long term disability insurance, tuition reimbursement, and an Employee Assistance Program. We offer a great benefit package to our eligible part-time employees as well. Pay Range: $69,794.45 - $90,732.79 The pay range provided is based on what we believe is a reasonable estimate for the pay range for this job at the time of posting. Actual pay may vary based on experience, skills, and market factors; additional compensation may apply. At NB, we are dedicated to building a diverse, inclusive and authentic workplace - if you are excited about this role, but your past experience doesn't align perfectly with every qualification in the job description, we still encourage you to apply. You may be just the right candidate for this or other roles. Needham Bank is an Equal Opportunity/Affirmative Action Employer. Needham Bank will provide all applicants for employment and all employees with equal opportunity for employment and promotion regardless of race, color, religion, gender, national origin or ancestry, age, disability, veteran status, military service, sexual orientation, genetic information, or gender identity.

Ready to turn numbers into narratives that power local growth? As a Commercial Credit Analyst, you'll be a go‑to partner for our Commercial Credit team-digging into financial statements, collateral, cash flow, and industry trends to craft clear, insightful, and timely credit memos that move great deals forward. You'll support both new loan requests and existing relationships, help shape lender and committee presentations, and jump in on special projects-including coordinating government lending program submissions-so your work directly strengthens our clients and our community. You bring a degree in Finance or Accounting (or equivalent experience), plus 1-2 years as a Credit Analyst in a financial institution. If you thrive on analytical rigor, crisp writing, and collaborative problem‑solving, you'll love the pace and impact here. This is a hybrid role anchored at our West Lebanon, NH operations center-perfect for someone who wants real responsibility, visibility, and room to grow. Apply today and put your talent to work on the deals that matter.

Do you have what it takes to win? Like a championship team, a leading global sports brand is built with a solid foundation of players at all levels who have an unending desire and dedication not only to succeed, but also to win. At Peak Achievement Athletics, our championship team is deeply committed to developing the most innovative sports equipment in the industry and we are always looking to strengthen our roster with talented players. Purpose & Core Values: Our purpose at Bauer Hockey/ Cascade Maverik Lacrosse is to enrich life experiences through sports. We have the responsibility to cultivate the future of our brands. We are always “we” and never “I”. We love what we do. We believe anything is possible and work to be our best. We strive to always redefine the standard of excellence in all that we do. Want to join our team as a Credit Analyst? The Credit Analyst contacts customers to address outstanding accounts receivable, creates cash forecasts, analyzes customer financial standing, manages orders, resolves disputes, and makes recommendations to mitigate risk for Accounts Receivable. This role develops strong relationships with internal & external customers; it addresses outstanding accounts effectively, securing prompt payment from customers while employing commercial sensitivity, business acumen, and good judgement. It also ensures procedures and internal controls are followed in compliance with corporate initiatives. This role reports to the Credit Supervisor and sits in our Exeter, NH office. The team works 3 days a week onsite, and 2 days a week from home. Essential Job Functions & Responsibilities: Manage accounts across multiple company codes and lines of business. Interact with customers during ongoing development of credit and financial history. The customer base has significant impact on the success of PAA. Analyze customer financial status, market conditions, and payment history to assess risk and make credit recommendations. Provide financial order management support to Supply Chain and Sales personnel to control credit exposure, effect timely payment and minimize risk of customer disputes. Proactively provide financial guidance in review of order backlog to control credit exposure. Manage credit hold status in SAP and recommend credit hold on product when applicable. Promptly notify appropriate team(s) of any customer disputes and/or collection issue preventing timely release of order and pursue issue to resolution. Recommend and implement credit extensions/revocations, and/or legal action where necessary. Evaluate the need for financial statements and security instruments on customers; facilitate obtaining and monitoring their effectiveness. Review Sales forecast to proactively identify potential credit issues. Deliver bi-weekly cash forecast requiring analysis of customer payment trends and customer feedback. Conduct collection calls and written communication to collect accounts receivable. Handle customer disputes to resolution and document root causes. Resolve billing discrepancies in a timely manner to increase cash flow and minimize accounts receivable delinquency. Negotiate payment plans, manage special credit arrangements and deviations from standard terms of payment. Review and make recommendations regarding bad debt or write-offs. Maintain accurate credit and collection files according to internal controls/policy. Maintain electronic collection notes for each customer account. Qualifications: Bachelor's degree in accounting, finance, business, or related field Minimum 1-2 years of experience in credit and collections (or equivalent experience). Strong written/verbal communication skills. Ability to interpret accounting principles of customer financial statements. Intermediate analytical and financial aptitude skills in risk assessment. Expert PC skills, including advanced level knowledge of Excel; SAP experience preferred. Understanding of corporate department functions, systems, processes and policies. Experience resolving complex problems where analyses of situations or data require an in-depth evaluation of various factors in imaginative and practical ways. Excellent interpersonal skills and ability to effectively communicate at all levels of the organization. Ability to thrive independently, prioritize work and support changing needs of a dynamic environment. Results driven and detail orientated. Demonstrated customer service skills and commitment to quality excellence. Ability to work in a fast-paced, dynamic environment and adjust quickly to changing priorities or business needs. Interested yet? Good. We are, too. We're pretty sure you'll want to know this position is eligible to participate in the Company's incentive plan. We also offer one of the most generous benefits packages around including a 401(k) savings plan with employer match, paid parental leave, an employee discount program on apparel and gear, casual & hybrid work environment and a host of other perks we don't have room to mention here. We are committed to employing a diverse workforce and are an equal opportunity employer. We use AI-assisted tools during parts of our recruitment process to help ensure fairness and efficiency. All final hiring decisions are made by our human hiring team.

Independently develops concise and accurate credit analyses of prospects and current customers in a deadline focused environment with minimal guidance. Uses expertise to evaluate both private and public entities some of which include review of complex transactions. Analyses are well written and reflect a comprehensive understanding of the credit risk and its relationship to the recommended collateral products and unsecured exposure. Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs. Facilitate the approval of exception when needed. Communicates financial results, trends and business implications to management, stakeholders and other groups at the appropriate level of detail. Proactively leads complex efforts to continuously improve processes to ensure work is performed as efficiently and effective as possible. Uses business acumen and strong analytical expertise to perform complex ad hoc analysis. Demonstrates strong verbal and written communication skills. Leads development and facilitation of training. Travels to and supports underwriting at broker and client meetings as required. Responsibilities Accurately analyzes financial statements and related filings for a diverse and complex group of different size policyholders and prospective customers. Conducts analysis that includes assigned credit rating, key strengths, weaknesses, industry outlook and recommended collateral options. Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs. Facilitate the approval of exception when needed. Understands and interprets financial statements of varying quality including internally company prepared statements up to those prepared in accordance with GAAP or IFRS. Understands various organizational structures, investment and debt has on the creditworthiness of subject companies. Regularly accesses and appropriately utilizes a variety of informational resources including First Research, Rating Agencies and other related sources to identify and understand trends and gauge subject company performance relative to peers and industry. Thorough understanding of insurance products, collateral types and associated credit risk. Drives the production of complex management reports and associated results analysis, using business acumen and analytical ability to lead the team in identifying business drivers of results and communicating them effectively. Continually assesses the business value and efficiency of the work performed, identifies problems and opportunities, drives implementation and monitors results. Initiates and leads complex department projects and continuous improvement activities that may include working cross functionally with other departments. Supports development of team members by sharing best practices, conducting peer reviews that identify strengths and opportunities, and training of less experienced analysts. If the selected candidate lives within 50 miles of a GRS hub office, then the selected candidate must come into the office two days/week. Qualifications * Bachelor`s degree (Finance or Accounting) required * CPA or advanced degree in Accounting, Finance, or Business preferred * Minimum of 5 years of finance experience. Experience with credit analysis and/or financial statement analysis is preferred. * Must demonstrate attention to detail in a fast-paced work environment and the ability to manage and prioritize multiple accounts and projects simultaneously to drive results * Communicates well with own team and across organizational boundaries to ensure the successful completion of shared goals * Comfortable leading meetings and able to communicate issues and trends to senior management and other groups at the appropriate level of detail * Solid understanding of Finance Tools and Analytical Methods About Us Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: *********************** Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law. Fair Chance Notices * California * Los Angeles Incorporated * Los Angeles Unincorporated * Philadelphia * San Francisco

Requirements EDUCATION/EXPERIENCE REQUIRED: Bachelor's degree, with a concentration in Business, Accounting or Finance and/or equivalent work experience. 1 to 3 years of credit analysis, appraisal review, or similar work experience is desirable. Experience with commercial credit underwriting for transactions ranging from $1MM to $10MM is desirable. CRE & construction experience is desirable. Strong analytical, critical thinking, and accounting and/or financial analysis skills are desirable. Computer literate, with specific experience in spreadsheet, asset/liability management and word processing applications. OTHER REQUIREMENTS: Must possess a valid driver's license, the use of a serviceable automobile that is properly registered and proper liability automobile insurance as required by state law. Must have strong written communications skills, including letter and report-writing ability. Must be able to lift files or other documents of approximately 20 pounds. Must be able to read and work with computer print-out reports. Must be able to stand or sit for extended periods of time. Must be able to spend extended periods of time operating a computer keyboard and working at a computer monitor. Must be able use the telephone to converse with coworkers for extended periods of time; must be able to communicate clearly by telephone; must have good listening ability and skills. Must be able to prioritize and organize work flow; must have good attention to detail; must be able to handle multiple jobs. Must have the ability to think through a problem, following proper steps in finding resolution. Must have a high degree of ethics and maintain confidentiality of customers and accounts. Must be friendly, courteous and sensitive to the needs of customers and coworkers. Must have a solid work ethic and desire to produce a large volume of high quality work within prescribed timeframes.

Performs commercial credit analysis and recommends appropriate credit structure on the most complex credit relationships in conformance with established policies, procedures, and objectives. Performs any functions, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers and co-workers. Responsibilities Spread a variety of financial statements and prepare cash flow analyses. Analyze financial statements and provide interpretative analysis for use in loan decision making. Underwrite new money requests, renewals, and modifications. Underwrite existing credits as part of the Bank's routine portfolio monitoring. This includes mortgage and investment reviews as well as authoring annual portfolio monitoring reports presented to Senior Management, the Board, and other Bank Committees. Work with credit colleagues, lenders, lending assistants, and other departments on a routine basis, demonstrating strong communication and teamwork skills throughout. Support and lead special projects within the Credit Analysis Department as required. Train and mentor assigned Credit Assistant and Credit Analysis Intern(s) in underwriting. Perform all duties in compliance with regulatory guidelines. Performs any functions, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers and co-workers. Requirements Education Bachelor's Degree plus specialized course work and training is required An advanced business degree Work Experience 7+ years of credit-related experience is required Additional Requirements Must demonstrate a strong knowledge of commercial credit analysis including the ability to analyze repayment sources, evaluate risk, identify risk mitigation, and provide deep insight into the creditworthiness of a commercial borrower. Working knowledge of accounting and a solid understanding of commercial loan documentation. High attention to detail with strong analytical, communication, and interpersonal skills required. Strong working knowledge of Microsoft Office Suite and ability to learn new software, including the Bank's Commercial Loan Origination System. Expected Pay Range The expected annual pay range for this role is $76,463 to $135,731. This pay range is the annual salary we in good faith expect to pay for this role at the time of posting. Actual compensation paid may fluctuate higher or lower than the posted range and the range may be modified in the future due to several factors including, but not limited to, relevant experience, certifications, and qualifications, internal equity, adjustments to the requirements and responsibilities of the job, business needs, and economic and market data. EEO Statement Middlesex Savings Bank is an Equal Opportunity Employer/protected Veterans/Individuals with Disabilities

Company: The Merrimack Title: Senior Credit Analyst Position Details: Full Time, Monday-Friday, 8:00AM-5:00PM *Salary negotiable based on level of experience The Merrimack is seeking an experienced Senior Credit Analyst to join our team and play a vital role in evaluating and managing credit risk across a diverse portfolio of commercial banking clients. We offer a competitive salary along with a comprehensive benefit package including but not limited to, medical, dental, vision, generous retirement savings plan, paid time off, paid parental leave, tuition reimbursement, professional development and the opportunity to work with a great team! JOB REQUIREMENTS/DESIRED EXPERIENCE: Three to five years of related banking, finance or credit experience Previous commercial credit analysis experience with the ability to read, interpret and analyze business financial statements Excellent verbal, written and communication skills with the ability to work as part of a collaborative support team Skill in working with lending/credit software platforms; intermediate to strong spread sheeting (MS Excel) capabilities with ability to create ad-hoc reports efficiently from general specifications provided Ability to apply understanding of established policies (Loan, ALLL policies) in order to properly highlight and document exceptions during the review process Experience working with loan origination systems (LOS), specifically nCino, is preferred to support efficient loan processing and documentation. PRIMARY RESPONSIBILITIES: Gather, organize and evaluate financial statements and other credit information Identify potential credit risks and loan opportunities among new and existing commercial customers Conduct annual financial reviews of the bank's large commercial relationships Assess collateral adequacy, including calculating the collateral coverage ratio using policy advance rates We believe in building genuine partnerships that encompass top of the line customer service delivered by a culture of teamwork, integrity and excellence. We take pride in the communities that we serve! We are dedicated to providing challenging and rewarding career opportunities for our employees across the state. If you are looking for an opportunity to be part of an award winning team, we are interested in speaking with you! We are an Equal Opportunity Employer. This includes veterans and individuals with disabilities.

This role works with our Seafax team.Office location: 62 U.S. Rte 1, Cumberland Foreside, ME 04110 Primarily responsible for writing new business reports and processing customer credit applications. Provides answers to customer inquiries on new, out-of-date and in-date credit report files. This role has team leadership responsibility within the Information team and provides direct guidance to the Credit Specialist I role. ESSENTIAL DUTIES AND RESPONSIBILITIES Provides training and leadership to team members.Resolves customer disputes matters escalated by the Credit Specialist I.Recommends a credit advisement/limit based on information obtained while processing the credit application or new business report.Exercises judgement related to news or derogatory information including a "stop" or "downgrade" to risk score.Remains knowledgeable of current events and how they impact our customer's business.Uses judgement to determine validity and authenticity of any credit request.Provides professional assistance to both Information and Service clients.Maintains confidentiality and security of company and client information.Manages a consistent flow of work to ensure customer satisfaction.Checks-in with clients daily.Applies quality assurance standards to all credit reports published.Assists with daily search for newswire stories as well as writes the stories on an as needed basis.Complies with agency management system data standards and data integrity (enter and maintain complete and accurate information). QUALIFICATIONS EDUCATION / EXPERIENCE Bachelor's Degree Three (3) or more years of related work experience SKILLSProficient in Microsoft Office SuiteStrong analytical and problem solving skills Proven skills in time management, multi-tasking and meeting deadlines Excellent customer service skills, including telephone and listening skills Ability to pay close attention to detail Ability to maintain a positive attitude in challenging interactions Ability to work within a team and to foster teamwork #LI-RF1

Glastonbury, Connecticut, United States of America **Hours:** 40 **Pay Details:** $33.00 - $54.00 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:** This Credit Analyst III position is within TD's specialized State & Municipal Credit Management vertical and will be on the Northeastern US team. The Credit Analyst III manages credit activities including underwriting new loan requests and monitoring portfolio risk for governmental borrowers, such as states, counties, cities, towns, townships, boroughs, villages, school districts, special districts, Special Purpose Units, centralized public education service entities, Public Housing Authorities, Housing Finance Agencies, and municipal utilities of governments and state agencies. This role involves completing comprehensive but concise credit write-ups and conducting financial and industry analysis to ensure sound lending decisions that align with the bank's risk appetite and strategic objectives. The ideal candidate will have a strong background in credit analysis, is detail-oriented and resourceful with strong research and problem-solving skills, exhibits exemplary writing capabilities and excellent communication skills, has ability to take initiative with a collaborative, flexible and team-oriented mentality, and is a self-starter with the ability to manage multiple priorities and deliver high quality work in a fast-paced environment with quick turnaround deadlines. Familiarity with government finance is preferred but willing to train the right individual. This is a career path with opportunities for advancement. The above details are specific to the role which is outlined in the general description below. The Credit Analyst III 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 complex loans/industries/Customers + Works independently + Strong understanding of loan risk factors + May train/mentor/coach junior analysts + 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 + Prepares complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary + Maintains credit files, monitors data such as updated financial statements and prepares 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 + 3+ years related experience required + Demonstrates knowledge of credit and financial analysis techniques + Strong understanding of loan risk factors + Demonstrates ability to independently gather, consolidate, analyze and summarize data to provide well-considered recommendations for all levels of commercial credit relationships + Proven ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordingly + Effective time management skills + Excellent written and oral communication skills + Well developed research and analytical skills + Exhibits self-confidence at all levels of conversation with the ability to defend analytical decisions + Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software + Demonstrated ability to maintain the confidentiality of credit and Customer information + Excellent interpersonal skills and a team orientation + Ability to coach, train and lead junior staff in credit and financial analysis techniques **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. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

Job Opportunity: Senior Credit Analyst Are you a seasoned financial professional with a passion for managing credit risk and driving business growth? Abel Womack seeks an experienced Senior Credit Analyst to join our team in Lawrence, MA. In this role, you will conduct in-depth financial analysis, monitor credit risk, and provide recommendations to mitigate potential losses while supporting business growth. The Analyst plays a critical part in evaluating the creditworthiness of both new and existing customers, ensuring financial stability, and supporting sound business decision-making. Key Responsibilities: Conduct comprehensive credit risk analyses for new and existing customers by evaluating financial statements, credit reports, industry trends, and economic conditions. Monitor the credit portfolio to identify potential risks and ensure adherence to credit policies and guidelines. Proactively assist and manage problem accounts. Assist in developing and refining credit policies, procedures, and risk assessment tools. Ensure compliance with regulatory requirements and internal controls. Collaborate closely with internal departments to structure credit terms and mitigate risk in support of business growth and customer partnerships. Provide guidance and support to junior team members, reviewing their work and fostering skill development. Prepare regular and ad hoc reports on trends and portfolio performance. Special projects as needed. Proactively seeking to continuously improve processes to achieve greater efficiencies and control. Assist with month-end closing activities, ensuring all receivables are accurately recorded and outstanding balances are reconciled. All other duties and projects as assigned. Qualifications: Bachelor's degree in accounting or business preferred. 5-7 years' experience in Accounts Receivable preferred with at least 2 years in a senior role. Strong knowledge of accounting principle and credit risk management Experience with ERP systems and processes preferred. Experience with purchasing and accounts payable processes. Proficient in Microsoft Office Applications, with advanced skills in Excel; ERP experience preferred. Effective process-oriented approach to work, able to plan and prioritize work. Strong attention to detail, self-motivated, reliable and able to multitask in a fast-pasted environment. Excellent verbal, written, and interpersonal communication skills Commitment to internal and external customer service excellence. Strong analytical and problem-solving abilities. Salary range: $80,000 - $100,000 annualized Physical Requirements: Ability to sit for prolonged periods while working at a computer or desk. Occasional standing, walking, or reaching as needed for meetings or collaboration with colleagues. Ability to lift and carry office materials (up to 15 pounds). Frequent use of computer, telephone, and other business equipment. Why Join Us? Abel Womack, Inc. is the market leader in the design and implementation of complete material handling solutions-from a single Raymond lift truck, Hytrol conveyor, or Fanuc robot to automating and supporting an entire facility. For more than 100 years, we've worked closely with our customers to understand their specific operational needs, unique requirements and strategic goals. We then develop, implement and support automated solutions that maximize space utilization, material flow, order picking, productivity and overall efficiency. As a consolidated Raymond Corporation Sales and Service Center, our team members feel like they work in a small community but have access to "big company" benefits and resources. Our tagline is discover the difference , because of our unique capabilities and philosophy. Come join our team and see how you can be the difference . To learn more about our culture, benefits and other important details about what it's like to work at Abel Womack, click here: ************************** ABEL WOMACK, Inc. is an Equal Opportunity Employer Veterans encouraged to apply

Job Opportunity: Senior Credit Analyst Are you a seasoned financial professional with a passion for managing credit risk and driving business growth? Abel Womack seeks an experienced Senior Credit Analyst to join our team in Lawrence, MA. In this role, you will conduct in-depth financial analysis, monitor credit risk, and provide recommendations to mitigate potential losses while supporting business growth. The Analyst plays a critical part in evaluating the creditworthiness of both new and existing customers, ensuring financial stability, and supporting sound business decision-making. Key Responsibilities: Conduct comprehensive credit risk analyses for new and existing customers by evaluating financial statements, credit reports, industry trends, and economic conditions. Monitor the credit portfolio to identify potential risks and ensure adherence to credit policies and guidelines. Proactively assist and manage problem accounts. Assist in developing and refining credit policies, procedures, and risk assessment tools. Ensure compliance with regulatory requirements and internal controls. Collaborate closely with internal departments to structure credit terms and mitigate risk in support of business growth and customer partnerships. Provide guidance and support to junior team members, reviewing their work and fostering skill development. Prepare regular and ad hoc reports on trends and portfolio performance. Special projects as needed. Proactively seeking to continuously improve processes to achieve greater efficiencies and control. Assist with month-end closing activities, ensuring all receivables are accurately recorded and outstanding balances are reconciled. All other duties and projects as assigned. Qualifications: Bachelor's degree in accounting or business preferred. 5-7 years' experience in Accounts Receivable preferred with at least 2 years in a senior role. Strong knowledge of accounting principle and credit risk management Experience with ERP systems and processes preferred. Experience with purchasing and accounts payable processes. Proficient in Microsoft Office Applications, with advanced skills in Excel; ERP experience preferred. Effective process-oriented approach to work, able to plan and prioritize work. Strong attention to detail, self-motivated, reliable and able to multitask in a fast-pasted environment. Excellent verbal, written, and interpersonal communication skills Commitment to internal and external customer service excellence. Strong analytical and problem-solving abilities. Salary range: $80,000 - $100,000 annualized Physical Requirements: Ability to sit for prolonged periods while working at a computer or desk. Occasional standing, walking, or reaching as needed for meetings or collaboration with colleagues. Ability to lift and carry office materials (up to 15 pounds). Frequent use of computer, telephone, and other business equipment. Why Join Us? Abel Womack, Inc. is the market leader in the design and implementation of complete material handling solutions-from a single Raymond lift truck, Hytrol conveyor, or Fanuc robot to automating and supporting an entire facility. For more than 100 years, we've worked closely with our customers to understand their specific operational needs, unique requirements and strategic goals. We then develop, implement and support automated solutions that maximize space utilization, material flow, order picking, productivity and overall efficiency. As a consolidated Raymond Corporation Sales and Service Center, our team members feel like they work in a small community but have access to "big company" benefits and resources. Our tagline is discover the difference , because of our unique capabilities and philosophy. Come join our team and see how you can be the difference . To learn more about our culture, benefits and other important details about what it's like to work at Abel Womack, click here: ************************** ABEL WOMACK, Inc. is an Equal Opportunity Employer Veterans encouraged to apply

Role: To analyze commercial loan requests and make credit recommendations to appropriate lending authority based on commercial lending policy as well as meet and develop new & existing business loan applicants. Provide support with proper loan documentation and administrative support to the department as needed. Essential Functions & Responsibilities: Gather and analyze credit information on existing and potential borrowers, determine the advisability of granting credit for a diversified type of loan. Evaluates loan requests to properly identify purpose, risk elements, collateral adequacy and recommends appropriate risk rating and identification of any loan policy and documentation exceptions. Analyzes and complies member financial conditions and ability to pay. Interprets financial and industry trends, member payment history, create spreadsheets, categorizes and enters data and analyzes along with cash flow analysis. Initiates annual reviews on commercial relationships. Requests current financial statements from members on a regular basis. Evaluates usage, adherence to covenants and identifies emerging risk issues. Prepares and submits loan presentations, which include research data, indication of credit strengths and weaknesses for review and discussion with loan officers and credit committee. Assist with the education and support of branch loan personnel in developing loan requests. Responsible for compliance with all required regulations and policies especially with all Bank Secrecy Act (BSA), NCUA Rule and Regulations, Office of Foreign Assets Control (OFAC), Privacy Act, procedures and regulations specific to TCU. Properly identifies policy and documentation exceptions. Monitors loans requiring annual renewals or credit reviews. Keeps informed of current trends in commercial credit. Other duties as assigned. (File Maintenance, Insurance, Quality Control, etc.) Knowledge and Skills: Experience One year to three years of similar or related experience. Education (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree). Interpersonal Skills Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication. Other Skills Must have experience in analyzing business financial statements and assessing the viability of businesses; must have excellent communication and PR skills; ability to use related software required. Assist in data input and maintenance of loan files, Supply critical reports ie. credit reports, UCC statements, insurance policies and mortgage instruments. Physical Requirements Work Environment office