Credit analyst jobs in Portland, OR

Heritage Bank has an exciting opportunity to join our organization! We are seeking a Credit Review Officer/Senior to join our Credit Review team. The credit review officer is responsible for the independent review and objective appraisals of the Bank's loan portfolio and related risk management activities to ensure that acceptable credit standards are maintained, and loans and related documentation adhere to the Bank's policies, procedures, guidelines, and regulatory requirements. Geographical location for this position is Tacoma, Washington at the Southern Operations Center. Depending on experience and qualifications, other locations within Heritage Bank's footprint (WA, OR, ID) may be considered. This position is fully on-site in either Washington, Idaho, or Oregon. Depending on qualifications and experience, Credit Review Officer or Credit Review Officer Senior may be considered. Base Salary Range: Credit Review Officer - $83,370.00 - $104,213.00 - $125,055.00 annual Credit Review Officer Senior - $100,884.00 - $126,105.00 - $151,326.00 annual The Role at a Glance: Participates in the evaluation of the bank's asset quality, assessing adherence with lending and portfolio policy, loan approvals, and evaluating and reporting on risk rating integrity. Performs regular credit reviews, ensuring loans adhere to general loan policy and regulatory guidelines. Assesses the accuracy of risk grades, timeliness of grade changes, justification of rationale, and adherence to bank policy for risk grading methodology. Prepares independent analysis and supporting documentation for loan reviews. Prepares reports summarizing portfolio quality and risk issues with recommended corrective action. Participates in the loan review process; makes recommendations to management to optimize the loan review program, as needed. Assists in the development and scope of the internal loan review process, including risk-based sampling of the loan portfolios, and coordinates with outsourced loan reviews. Prepares reports and work papers recapping discussions with loan officers and business unit management, and/or other functional areas under review to present risk issue findings and secure commitments for resolution of areas in question. Performs continuous monitoring of key business unit credit related activities and effectively documents and communicates findings to management. Maintains strong relevant knowledge of key legal, compliance, and market-risk issues involved in credit related activities. Promotes and maintains positive relationships with unit managers and staff; provides information and assistance when appropriate. Assists with site coordination and logistics for outside vendors, contractors, and staff performing third party commercial loan reviews. Performs continuous monitoring of key business unit credit related activities and effectively documents and communicates findings to management. Monitors assigned portfolios to evaluate proper coverage and assessment of risk on an ongoing basis. Maintains an independent viewpoint derived from fact-based analysis and patterns of performance. Core Skills and Qualifications: H.S. Diploma or equivalent required. Bachelor's Degree in Business, Economics, Accounting, Finance or relevant course of study preferred. Credit Review Officer - 3+ years recent experience in commercial lending, credit/loan review and/or similar position requiring strong business knowledge and credit judgment required. Credit Review Officer Senior - 7+ years recent experience in commercial loan review, underwriting, credit risk, or portfolio management in a mid to large size commercial bank, demonstrating advanced business knowledge and credit judgment required. Professional credentials as a (CRC) Credit Risk Certification, (CIA) Certified Internal Auditor, (FRM) Financial Risk Manager or other risk credentials preferred. Pacific Coast Banking School Graduate or equivalent preferred. Equivalent combination of education, training and experience in portfolio management, loan audit and/or credit risk may be considered. Demonstrated ability to deliver exceptional customer service and maintain client relationships, both internally and externally. Business and financial analysis and modeling skills, with understanding of financial accounting, income statements, balance sheets, etc., requiring the ability to gather, analyze and prepare reports. Working knowledge of lending practices, policies, procedures, disclosures, and terminology related to banking laws, regulatory requirements. and legal documents. Understanding of the Bank's credit underwriting policies and approval process. Technical and analytical reasoning skills to synthesize information accurately and effectively to understand and interpret regulatory requirements and appropriately apply principles, procedures, requirements, regulations, and policies to the position. Well-developed interpersonal and written/verbal communication skills demonstrating the ability to communicate effectively, clearly and persuasively in a variety of settings, formats, and audiences; with the ability to read, write, speak, and understand English well. Strong planning, organizational, time management and follow up skills, demonstrating a strong sense of urgency and ability to execute quickly, timely and efficiently. Ability to multi-task and decide key priorities with confidence, motivation, decisiveness, flexibility, and sound business judgment. Unquestionable integrity in handling sensitive and confidential information required. Proficient use and understanding of MS Office products (Word, Excel, Outlook), with the ability to learn and adapt to new technologies quickly. Working knowledge of automated underwriting and financial systems - required. Work Environment/Conditions: Climate controlled office environment. Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions, and frequent employee and customer contacts and interruptions during the day. Work requires regular attendance, punctuality and adherence to agreed-upon schedule with willingness to work a flexible and/or rotating schedule and or extended hours, and assist at other locations or remotely, as needed. Physical Demands/Effort: Work may involve the constant use of computer screens, reading of reports, and sitting throughout the day. Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner and facsimile which often requires dexterity of hands and fingers with repetitive wrist and hand motion. Typically sitting at a desk or table; intermittently standing, stooping, bending at the waist, walking, climbing, kneeling or crouching to file materials Occasional lifting up to 10 lbs. (files, boxes, etc.). At Heritage Bank, we work hard, but we also know how important it is to take time off to stay healthy, relax, and spend time doing what makes your heart happy! As part of our team, you'll enjoy a total rewards package, which includes base salary based on the role, experience, and skill set, along with an exceptional benefits package (medical, dental, vision, life insurance, 401(k), community volunteer time), and generous time off policy. Full-time team members receive a minimum of 10 paid vacation days annually* and eight hours of paid sick leave per month*, while also enjoying 11 paid holidays each calendar year, and an annual float day. *pro-rated from start date and/or hours worked. To view Benefits Summary: Apply > Current Openings > position > attachment. The above statements are intended to describe the general nature and level of work being performed and are not an exclusive list of all qualifications for this position. Heritage 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, protected veteran status, disability, or any other basis protected by applicable law. Job applicants have certain legal rights. Please click here for information regarding these rights. If you need assistance completing the online application, please email: ******************************* Salary Range Disclaimer The base salary range represents Heritage Bank's current salary range for the position. Actual salaries will vary depending on factors including, but not limited to, qualifications, experience, and job performance. The range listed is just one component of Heritage Bank's total compensation package for full time and part time employees. Depending on position, other total compensation rewards may include, monthly, quarterly or annual incentive, and/or bonuses. ##JobCategory:Compliance / Audit## ##Street:3615 Pacific Avenue## ##City:Tacoma## ##State:WA## ##ZipCode:98418## ##Internal:false## *mon

We are looking for an experienced Credit Analyst to join our team in Milwaukie, Oregon. In this long-term contract position, you will play a key role in managing accounts receivable and ensuring effective communication with customers and vendors. If you have a strong background in billing, collections, and customer service, we encourage you to apply. Responsibilities: - Evaluate delinquent accounts and recommend appropriate corrective actions to address outstanding balances. - Maintain accurate records of all collections activities within the CRM system. - Respond to inbound customer calls professionally, addressing billing inquiries and resolving payment issues. - Collaborate with team members to ensure a seamless and supportive work environment. - Execute collection strategies to recover overdue payments while maintaining positive relationships. - Process billing transactions and ensure invoices are accurate and delivered promptly. - Communicate effectively with customers, vendors, and internal teams to ensure clarity and resolve account discrepancies. - Monitor accounts receivable reports to identify and prioritize collection efforts. Requirements - Proficiency in CRM systems and account management tools. - Solid understanding of accounts receivable processes and billing functions. - Experience handling inbound customer calls with professionalism and efficiency. - Demonstrated expertise in collection strategies and techniques. - Strong organizational skills and attention to detail for managing accounts and records. - Excellent communication skills to interact with clients and team members. - Ability to work collaboratively in a team-focused environment. - Prior experience in collections or a related financial role is highly preferred. Robert Half is the world's first and largest specialized talent solutions firm that connects highly qualified job seekers to opportunities at great companies. We offer contract, temporary and permanent placement solutions for finance and accounting, technology, marketing and creative, legal, and administrative and customer support roles. Robert Half works to put you in the best position to succeed. We provide access to top jobs, competitive compensation and benefits, and free online training. Stay on top of every opportunity - whenever you choose - even on the go. Download the Robert Half app (https://www.roberthalf.com/us/en/mobile-app) and get 1-tap apply, notifications of AI-matched jobs, and much more. All applicants applying for U.S. job openings must be legally authorized to work in the United States. Benefits are available to contract/temporary professionals, including medical, vision, dental, and life and disability insurance. Hired contract/temporary professionals are also eligible to enroll in our company 401(k) plan. Visit roberthalf.gobenefits.net for more information. © 2025 Robert Half. An Equal Opportunity Employer. M/F/Disability/Veterans. By clicking "Apply Now," you're agreeing to Robert Half's Terms of Use (https://www.roberthalf.com/us/en/terms) .

Industry/Sector Not Applicable Specialism General Tax Consulting Management Level Manager At PwC, our people in tax services focus on providing advice and guidance to clients on tax planning, compliance, and strategy. These individuals help businesses navigate complex tax regulations and optimise their tax positions. In specialised tax services at PwC, you will focus on providing tax advice and solutions to clients in complex and niche areas of taxation. This includes areas such as accounting methods, fixed-assets and research and development tax credits. Enhancing your leadership style, you motivate, develop and inspire others to deliver quality. You are responsible for coaching, leveraging team member's unique strengths, and managing performance to deliver on client expectations. With your growing knowledge of how business works, you play an important role in identifying opportunities that contribute to the success of our Firm. You are expected to lead with integrity and authenticity, articulating our purpose and values in a meaningful way. You embrace technology and innovation to enhance your delivery and encourage others to do the same. Examples of the skills, knowledge, and experiences you need to lead and deliver value at this level include but are not limited to: * Analyse and identify the linkages and interactions between the component parts of an entire system. * Take ownership of projects, ensuring their successful planning, budgeting, execution, and completion. * Partner with team leadership to ensure collective ownership of quality, timelines, and deliverables. * Develop skills outside your comfort zone, and encourage others to do the same. * Effectively mentor others. * Use the review of work as an opportunity to deepen the expertise of team members. * Address conflicts or issues, engaging in difficult conversations with clients, team members and other stakeholders, escalating where appropriate. * Uphold and reinforce professional and technical standards (e.g. refer to specific PwC tax and audit guidance), the Firm's code of conduct, and independence requirements. The Opportunity As part of the Corporate Tax - Specialised Tax Services team you provide exceptional technical knowledge and specialization and industry insights. As a Manager you lead teams and manage client accounts, focusing on strategic planning and mentoring junior staff. You are accountable for project success and maintaining elevated standards. Enhancing your leadership style, you motivate, develop and inspire others to deliver quality. You are responsible for coaching, leveraging team member's unique strengths, and managing performance to deliver on client expectations. With your growing knowledge of how business works, you play an important role in identifying opportunities that contribute to the success of our Firm. You are expected to lead with integrity and authenticity, articulating our purpose and principles in a meaningful way. You embrace technology and innovation to enhance your delivery and encourage others to do the same. This role involves working closely on clients with the latest technologies and platforms in lending, digital banking, payments, crypto and blockchain, insurance and real estate. Responsibilities * Manage client accounts with a strategic planning approach * Coach and mentor junior team members for skill development * Uphold rigorous standards to confirm successful project outcomes * Motivate and inspire the team to deliver exceptional work * Enhance team strengths to meet client requirements * Identify and act on opportunities to advance the firm's goals * Integrate technology and innovation into service delivery * Collaborate with clients on advanced technologies and platforms What You Must Have * Bachelor's Degree in Taxation,Accounting,Engineering,Sustainable Resource Management,Environmental Health/Engineering,Computer and Information Science * 4 years of experience What Sets You Apart * Basic accounting knowledge * Understanding of Inflation Reduction Act and CHIPs Act of 2022 * Knowledge of fixed asset tax depreciation methods * Experience with cost segregation studies * Project management skills * Experience identifying and addressing client needs * Knowledge of automation & digitization in professional services * Supervising teams to create an atmosphere of trust * One of the following: CPA, Member of State Bar, Enrolled Agent, Master's - Engineering, Professional Engineer Travel Requirements Up to 20% Job Posting End Date Learn more about how we work: ************************** PwC does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: *********************************** As PwC is an equal opportunity employer, all qualified applicants will receive consideration for employment at PwC without regard to race; color; religion; national origin; sex (including pregnancy, sexual orientation, and gender identity); age; disability; genetic information (including family medical history); veteran, marital, or citizenship status; or, any other status protected by law. For only those qualified applicants that are impacted by the Los Angeles County Fair Chance Ordinance for Employers, the Los Angeles' Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, San Diego County Fair Chance Ordinance, and the California Fair Chance Act, where applicable, arrest or conviction records will be considered for Employment in accordance with these laws. At PwC, we recognize that conviction records may have a direct, adverse, and negative relationship to responsibilities such as accessing sensitive company or customer information, handling proprietary assets, or collaborating closely with team members. We evaluate these factors thoughtfully to establish a secure and trusted workplace for all. Applications will be accepted until the position is filled or the posting is removed, unless otherwise set forth on the following webpage. Please visit this link for information about anticipated application deadlines: *************************************** The salary range for this position is: $99,000 - $266,000. Actual compensation within the range will be dependent upon the individual's skills, experience, qualifications and location, and applicable employment laws. All hired individuals are eligible for an annual discretionary bonus. PwC offers a wide range of benefits, including medical, dental, vision, 401k, holiday pay, vacation, personal and family sick leave, and more. To view our benefits at a glance, please visit the following link: ***********************************

**If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal . This position is a hybrid work model and can be located at our Portland, Medford, Eugene and Salem, OR branch. What's Important to You We know your career is just one aspect of a meaningful, complex, and demanding life. That's why we designed our compensation and benefits package to provide employees and their families with as much choice as possible. Generous Paid Time Off (PTO) in addition to paid federal holidays. Student debt employer repayment program. 401(k) retirement plan with a 6% match. The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it. We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate. SUMMARY The Credit Analyst III collaborates with relationship managers in gathering and evaluating commercial credit related information on current and prospective customers by preparing written reports of analysis which include in-depth analysis of financial statements, historical and projection-based cash flow and ratio analysis, suggested credit structure, general industry analysis and identified risks. ESSENTIAL DUTIES AND RESPONSIBILITIES Reads, reviews, and understands various financial statements to include but not limited to; tax returns, balance sheets, profit and loss statements, agings, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, rent rolls, lease agreements, and appraisals. Prepares financial spreads for various types of commercial and real estate businesses, municipalities, non-profits, and individuals acting as direct obligation borrowers or guarantors. Analyzes credit worthiness of commercial applicants and guarantors as appropriate by reviewing the loan application, spreading historical and projection based financial statements, calculating cash flows, leverage, and liquidity ratios, evaluating collateral, conducting research on the borrower(s) and key industries, and identifying risks. Analyzes findings and authors a comprehensive report of analysis using a mix of data analysis (charts, formulas, graphs, etc.) and written narrative. Evaluates credit quality and suggests proper risk rating based on analysis of most recent financial information. Possesses proficiency relative to credit transactions and analytical skills sufficient to enable independent underwriting of commercial requests for streamlined to complex requests with limited guidance from immediate manager. Ensures compliance to applicable regulations and keeps up to date with changes in federal regulations and FIB credit policy requirements. Assists the Relationship Manager in the preparation of reports for quarterly monitoring of classified and criticized commercial relationships. Completes financial performance metric covenant testing utilizing prepared financial spreads. Portfolio management as assigned. Participates in a quality control program that provides for the monthly review of general forms, spreads, and analysis with the provision of feedback and mentoring. Participates in the production and development of training materials and assists with the delivery of training through various channels. Partakes in a mentorship program with lower-level analysts to assist in guidance and the overall development of credit acumen. Acts as a resource for Relationship Managers and other analysts for questions relating to Loan Policy, loan structuring, and underwriting recommendations. QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. KNOWLEDGE, SKILLS AND ABILITIES Strong organization and time management skills. Excellent written and verbal skills. Able to develop and maintain internal and external relationships with individuals such as Relationship Managers, Credit Officers, and Risk Management Personnel. Able to work in a fast-paced environment, set priorities, and establish and meet strict deadlines with the flexibility to adapt quickly to changing priorities. Self-motivated and possess the ability to assist with credit risk decisions. Strong analytical and problem-solving skills, as well as an attention to detail. Able to prioritize and work with others in an integrated way to achieve individual objectives and team results with flexibility to adapt to changing volumes, requirements, and areas of focus. Proficient with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint. Able to acclimate quickly to other programs. EDUCATION AND/OR EXPERIENCE Bachelor's Degree in Business, Finance, or related field required 7-9 years of banking experience and/or equivalent combination of education and experience required 4-6 years experience in a similar position required Experience with financial spread software required Commercial banking experience preferred PHYSICAL DEMANDS AND WORKING ENVIRONMENT The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer. Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently Lifting - Occasionally (up to 10 lbs) Sitting - Frequently Noise Level - Moderate Typical Work Hours - M-F (8-5) Regular and Predictable Attendance - Required **If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal .

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

Accenture is a leading global professional services company that helps the world's leading businesses, governments and other organizations build their digital core, optimize their operations, accelerate revenue growth and enhance citizen services-creating tangible value at speed and scale. We are a talent and innovation led company with 750,000 people serving clients in more than 120 countries. We combine our strength in technology with unmatched industry experience, functional expertise and global delivery capability. We are uniquely able to deliver tangible outcomes because of our broad range of services, solutions and assets across Strategy & Consulting, Technology, Operations, Industry X and Accenture Song. These capabilities, together with our culture of shared success and commitment to creating 360° value, enable us to help our clients succeed and build trusted, lasting relationships. As of 2023, we have been recognized among Fortune's World's Most Admired Companies for 20 consecutive years. And that's just the beginning. Your career is about what you want to be and who you want to be. It's about bringing your skills, your curiosity, and your best true self to your work. Visit us at ****************** We Are: In today's world, business leaders want to rapidly and confidently reinvent to increase resilience, mitigate risk, and grow with sustainable value. That's where Accenture Strategy & Consulting comes in. We bring together strategic visionaries, industry experts, practitioners from across every enterprise function, business intelligence professionals, change specialists, data and AI authorities, and many other specialized skills to co-create each client's unique path to reinvention. You will be a trusted partner to business leaders, working with a diverse team of experts to deliver successful tech-enabled transformation and new kinds of value for your clients. Join our global network of people using the latest assets, platforms and partnerships to help bring ideas to life. Strategy & Consulting is one of five services that make up one Accenture - the others are Operations, Technology, Song and Industry X. Management Consulting professionals design and implement transformation programs that integrate strategy, technology, and operations to create enterprise value for clients. Accenture is growing our practice to help our clients navigate their transformational journeys. You Are The candidate will be a Manager within the Commercial Banking Consulting practice with a focus on Business and Technology Transformation within the wholesale lending industry. The Commercial Credit Consultant designs and implements business changes that drive industry-specific, function and digital operating model transformation, focusing on task relating to people and process. Large wholesale lenders are investing heavily in modernizing their business, technology, and data to optimize straight-through processing, enhance client and employee experience, and reduce cost of ownership. Accenture is growing our practice to help our client navigate their transformational journeys. The Commercial Credit Manager will be focused on supporting the development of our lending offerings and the delivery of transformational consulting projects. The Commercial Credit Manager will be focused on supporting the development of our offerings and the delivery of consulting projects. Responsibilities may include: + Support Commercial Credit Transformation programs - including operating model and technology implementations . + Design next generation experiences and platforms for commercial lending clients. + Manage all parts of projects, from client buy-in to planning, budgeting, and execution. + Source and coordinate work from other internal workforces. + Develop of our next generation Wholesale credit technology offerings. + Become a trusted advisor for C-suite clients looking to solve critical business problem. + Drive business development to originate new client opportunities. + Build your reputation as an industry thought leader. + + Travel, as required, up to 80%, in the United States and Canada. Here's What You Need: + Minimum of 5 years relevant professional services firm experience in technology or management consulting with broad experience in engagement management and business development + Minimum of 5 years of equivalent of commercial credit industry (sales, underwriting. closing, servicing, portfolio management) industry experience + Demonstratable experience being part of an nCino or Salesforce project delivery project or consulting engagement for commercial lending + A Bachelor's degree Bonus Points if you have: + Extensive transformation strategy or operating model design experience in commercial banking. + Launched new product offerings in the banking industry. + Demonstrated experience developing and managing relationships with senior client executives. + Successful track record of leading complex management and/or technology consulting engagements across the delivery lifecycle. + nCino or Salesforce certification(s) + Hands on experience with additional commercial lending industry platforms, e.g., Moody's, Blooma, Built + French language skills + An advanced degree or financial industry certification + Built next generation analytic capabilities (e.g., predictive, generative, or agentic AI) for commercial lending. Professional Skills + Proven ability to operate within a collaborative environment. + Demonstrated commitment, teamwork, and collaboration in a professional setting; either military or civilian. + High energy level, focus and ability to work well in demanding client environments. + Excellent communication (written and oral) and interpersonal skills. + Strong leadership, problem solving, and decision-making abilities. + Unquestionable professional integrity, credibility, and character. Compensation at Accenture varies depending on a wide array of factors, which may include but are not limited to the specific office location, role, skill set, and level of experience. As required by local law, Accenture provides a reasonable range of compensation for roles that may be hired as set forth below.We accept applications on an on-going basis and there is no fixed deadline to apply. Information on benefits is here. (************************************************************ Role Location Annual Salary Range California $94,400 to $293,800 Cleveland $87,400 to $235,000 Colorado $94,400 to $253,800 District of Columbia $100,500 to $270,300 Illinois $87,400 to $253,800 Maryland $94,400 to $253,800 Massachusetts $94,400 to $270,300 Minnesota $94,400 to $253,800 New York/New Jersey $87,400 to $293,800 Washington $100,500 to $270,300 Requesting an Accommodation Accenture is committed to providing equal employment opportunities for persons with disabilities or religious observances, including reasonable accommodation when needed. If you are hired by Accenture and require accommodation to perform the essential functions of your role, you will be asked to participate in our reasonable accommodation process. Accommodations made to facilitate the recruiting process are not a guarantee of future or continued accommodations once hired. If you would like to be considered for employment opportunities with Accenture and have accommodation needs such as for a disability or religious observance, please call us toll free at **************** or send us an email or speak with your recruiter. Equal Employment Opportunity Statement We believe that no one should be discriminated against because of their differences. All employment decisions shall be made without regard to age, race, creed, color, religion, sex, national origin, ancestry, disability status, veteran status, sexual orientation, gender identity or expression, genetic information, marital status, citizenship status or any other basis as protected by federal, state, or local law. Our rich diversity makes us more innovative, more competitive, and more creative, which helps us better serve our clients and our communities. For details, view a copy of the Accenture Equal Opportunity Statement (******************************************************************************************************************************************** Accenture is an EEO and Affirmative Action Employer of Veterans/Individuals with Disabilities. Accenture is committed to providing veteran employment opportunities to our service men and women. Other Employment Statements Applicants for employment in the US must have work authorization that does not now or in the future require sponsorship of a visa for employment authorization in the United States. Candidates who are currently employed by a client of Accenture or an affiliated Accenture business may not be eligible for consideration. Job candidates will not be obligated to disclose sealed or expunged records of conviction or arrest as part of the hiring process. Further, at Accenture a criminal conviction history is not an absolute bar to employment. The Company will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. Additionally, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the Company's legal duty to furnish information. California requires additional notifications for applicants and employees. If you are a California resident, live in or plan to work from Los Angeles County upon being hired for this position, please click here for additional important information. Please read Accenture's Recruiting and Hiring Statement for more information on how we process your data during the Recruiting and Hiring process.

Heritage Bank has an exciting opportunity to join our organization! We are seeking a Credit Review Officer/Senior to join our Credit Review team. The credit review officer is responsible for the independent review and objective appraisals of the Bank's loan portfolio and related risk management activities to ensure that acceptable credit standards are maintained, and loans and related documentation adhere to the Bank's policies, procedures, guidelines, and regulatory requirements. Geographical location for this position is Tacoma, Washington at the Southern Operations Center. Depending on experience and qualifications, other locations within Heritage Bank's footprint (WA, OR, ID) may be considered. This position is fully on-site in either Washington, Idaho, or Oregon. Depending on qualifications and experience, Credit Review Officer or Credit Review Officer Senior may be considered. Base Salary Range: Credit Review Officer - $83,370.00 - $104,213.00 - $125,055.00 annual Credit Review Officer Senior - $100,884.00 - $126,105.00 - $151,326.00 annual The Role at a Glance: * Participates in the evaluation of the bank's asset quality, assessing adherence with lending and portfolio policy, loan approvals, and evaluating and reporting on risk rating integrity. * Performs regular credit reviews, ensuring loans adhere to general loan policy and regulatory guidelines. * Assesses the accuracy of risk grades, timeliness of grade changes, justification of rationale, and adherence to bank policy for risk grading methodology. * Prepares independent analysis and supporting documentation for loan reviews. * Prepares reports summarizing portfolio quality and risk issues with recommended corrective action. * Participates in the loan review process; makes recommendations to management to optimize the loan review program, as needed. * Assists in the development and scope of the internal loan review process, including risk-based sampling of the loan portfolios, and coordinates with outsourced loan reviews. * Prepares reports and work papers recapping discussions with loan officers and business unit management, and/or other functional areas under review to present risk issue findings and secure commitments for resolution of areas in question. * Performs continuous monitoring of key business unit credit related activities and effectively documents and communicates findings to management. * Maintains strong relevant knowledge of key legal, compliance, and market-risk issues involved in credit related activities. * Promotes and maintains positive relationships with unit managers and staff; provides information and assistance when appropriate. * Assists with site coordination and logistics for outside vendors, contractors, and staff performing third party commercial loan reviews. * Performs continuous monitoring of key business unit credit related activities and effectively documents and communicates findings to management. * Monitors assigned portfolios to evaluate proper coverage and assessment of risk on an ongoing basis. * Maintains an independent viewpoint derived from fact-based analysis and patterns of performance. Core Skills and Qualifications: * H.S. Diploma or equivalent required. Bachelor's Degree in Business, Economics, Accounting, Finance or relevant course of study preferred. * Credit Review Officer - 3+ years recent experience in commercial lending, credit/loan review and/or similar position requiring strong business knowledge and credit judgment required. * Credit Review Officer Senior - 7+ years recent experience in commercial loan review, underwriting, credit risk, or portfolio management in a mid to large size commercial bank, demonstrating advanced business knowledge and credit judgment required. * Professional credentials as a (CRC) Credit Risk Certification, (CIA) Certified Internal Auditor, (FRM) Financial Risk Manager or other risk credentials preferred. * Pacific Coast Banking School Graduate or equivalent preferred. * Equivalent combination of education, training and experience in portfolio management, loan audit and/or credit risk may be considered. * Demonstrated ability to deliver exceptional customer service and maintain client relationships, both internally and externally. * Business and financial analysis and modeling skills, with understanding of financial accounting, income statements, balance sheets, etc., requiring the ability to gather, analyze and prepare reports. * Working knowledge of lending practices, policies, procedures, disclosures, and terminology related to banking laws, regulatory requirements. and legal documents. * Understanding of the Bank's credit underwriting policies and approval process. * Technical and analytical reasoning skills to synthesize information accurately and effectively to understand and interpret regulatory requirements and appropriately apply principles, procedures, requirements, regulations, and policies to the position. * Well-developed interpersonal and written/verbal communication skills demonstrating the ability to communicate effectively, clearly and persuasively in a variety of settings, formats, and audiences; with the ability to read, write, speak, and understand English well. * Strong planning, organizational, time management and follow up skills, demonstrating a strong sense of urgency and ability to execute quickly, timely and efficiently. * Ability to multi-task and decide key priorities with confidence, motivation, decisiveness, flexibility, and sound business judgment. * Unquestionable integrity in handling sensitive and confidential information required. * Proficient use and understanding of MS Office products (Word, Excel, Outlook), with the ability to learn and adapt to new technologies quickly. Working knowledge of automated underwriting and financial systems - required. Work Environment/Conditions: * Climate controlled office environment. * Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions, and frequent employee and customer contacts and interruptions during the day. * Work requires regular attendance, punctuality and adherence to agreed-upon schedule with willingness to work a flexible and/or rotating schedule and or extended hours, and assist at other locations or remotely, as needed. Physical Demands/Effort: * Work may involve the constant use of computer screens, reading of reports, and sitting throughout the day. * Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner and facsimile which often requires dexterity of hands and fingers with repetitive wrist and hand motion. * Typically sitting at a desk or table; intermittently standing, stooping, bending at the waist, walking, climbing, kneeling or crouching to file materials * Occasional lifting up to 10 lbs. (files, boxes, etc.). At Heritage Bank, we work hard, but we also know how important it is to take time off to stay healthy, relax, and spend time doing what makes your heart happy! As part of our team, you'll enjoy a total rewards package, which includes base salary based on the role, experience, and skill set, along with an exceptional benefits package (medical, dental, vision, life insurance, 401(k), community volunteer time), and generous time off policy. Full-time team members receive a minimum of 10 paid vacation days annually* and eight hours of paid sick leave per month*, while also enjoying 11 paid holidays each calendar year, and an annual float day. *pro-rated from start date and/or hours worked. To view Benefits Summary: Apply > Current Openings > position > attachment. The above statements are intended to describe the general nature and level of work being performed and are not an exclusive list of all qualifications for this position. Heritage 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, protected veteran status, disability, or any other basis protected by applicable law. Job applicants have certain legal rights. Please click here for information regarding these rights. If you need assistance completing the online application, please email: ******************************* Salary Range Disclaimer The base salary range represents Heritage Bank's current salary range for the position. Actual salaries will vary depending on factors including, but not limited to, qualifications, experience, and job performance. The range listed is just one component of Heritage Bank's total compensation package for full time and part time employees. Depending on position, other total compensation rewards may include, monthly, quarterly or annual incentive, and/or bonuses. ##JobCategory:Compliance / Audit## ##Street:3615 Pacific Avenue## ##City:Tacoma## ##State:WA## ##ZipCode:98418## ##Internal:false## * mon

What Makes Us Unique At Cloudbeds, we're not just building software, we're transforming hospitality. Our intelligently designed platform powers properties across 150 countries, processing billions in bookings annually. From independent properties to hotel groups, we help hoteliers transform operations and uplevel their commercial strategy through a unified platform that integrates with hundreds of partners. And we do it with a completely remote team. Imagine working alongside global innovators to build AI-powered solutions that solve hoteliers' biggest challenges. Since our founding in 2012, we've become the World's Best Hotel PMS Solutions Provider and landed on Deloitte's Technology Fast 500 again in 2024 - but we're just getting started. How You'll Make an Impact: As a Payments Risk Credit Analyst, you'll play a key role in protecting Cloudbeds and our hotel partners as we scale rapidly. This role is highly impactful: your insights will directly influence how we onboard, manage, and protect our global payments portfolio. You'll thrive by owning problems end-to-end, learning continuously as our product and payments offerings evolve, and helping us navigate the complexities of a hyper-growth fintech environment. Our Payments Risk Team: We're a collaborative, data-driven team that safeguards Cloudbeds while empowering our customers to grow with confidence. We work closely with Finance, Legal, Customer Success and Sales to monitor merchant exposure, design credit and reserve frameworks, and anticipate risks before they materialize. We support one another, but also expect each team member to be self-driven and comfortable making decisions in an ambiguous environment. What You Bring to the Team: Assess merchant financials, payment flows, and credit risk indicators Recommend credit limits, reserves, and payout hold thresholds Analyze chargeback and refund trends to detect emerging risks Review entity changes, liens, and restructuring for financial impact Partner across Finance, Risk Ops, and Legal to refine credit policy Support audits, board reporting, and ongoing credit policy reviews What Sets You Up for Success: 3+ years in payments risk, PayFac credit analysis, and / or merchant acquiring Strong experience with risk frameworks for payment processors or SaaS companies running PayFac models Proficiency in Excel/Sheets; SQL and / or BI tools Experience with SMB credit risk or merchant underwriting Clear communicator who can simplify complex risk issues for diverse audiences High attention to detail with a bias for action Bonus Skills to Stand Out (Optional): Background in fintech or hospitality payments Familiarity with chargeback processes and reserve adequacy modeling Knowledge of credit scoring frameworks and risk modeling tools (Python/R) Risk certifications (CRC, FRM, CFA, or similar) Compensation: Depending on your skills and experience, you can expect your annual compensation to be between $75K- $120K #LI-REMOTE #LI-SD1 What to Expect - Your Journey with Us Behind Cloudbeds' revolutionary technology is a team of redefining what's possible in hospitality. We're 650+ employees across 40+ countries, bringing together elite engineers, AI architects, world-class designers, and hospitality veterans to solve challenges others haven't dared to tackle. Our diverse team speaks 30+ languages, but we all share one language: a passion for innovation and travel. From pioneering breakthroughs in machine learning to revolutionizing how hotels operate, we're not just watching the future of hospitality unfold - we're coding it, designing it, writing it and shipping it. If you're ready to work alongside some of the brightest minds in tech who are obsessed with using AI to transform a trillion-dollar industry, this is your chance to be part of something extraordinary. Learn more online at cloudbeds.com Company Awards to Check Out! Best All-In-One Hotel Management System | HotelTechAwards (2025) Overall 10 Best Places to Work | HotelTechAwards (2025) Most Loved Workplace Certified (2024) Top 10 People's Choice(2024) Deloitte Technology Fast 500 (2024) Discover our Benefits: Remote First, Remote Always PTO in accordance with local labor requirements 2 corporate apartment accommodations for team member use for free (San Diego & São Paulo) Full Paid Parental Leave Home office stipend based on country of residency Professional development courses in Cloudbeds University Access provided to professional Therapy and Coaching Access to professional development, including manager training, upskilling and knowledge transfer. Everyone is Welcome - A Culutre of Inclusion Cloudbeds is proud to be an Equal Opportunity Employer that celebrates the diversity in our global team! We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. Cloudbeds is committed to the full inclusion of all qualified individuals. As part of this commitment, Cloudbeds will ensure that persons with disabilities are provided reasonable accommodations in the hiring process. We encourage deaf, hard of hearing, deaf-blind, and deaf-disabled individuals to apply. If reasonable accommodation is needed to participate in the job application or interview process or to perform essential job functions, please contact our HR team by phone at ************ or via email at ***************************. Cloudbeds will provide an American Sign Language (ASL) interpreter where needed as a reasonable accommodation for the hiring processes. To all Staffing and Recruiting Agencies: Our Careers Site is only for individuals seeking a job at Cloudbeds. Staffing, recruiting agencies, and individuals being represented by an agency are not authorized to use this site or to submit applications, and any such submissions will be considered unsolicited. Cloudbeds does not accept unsolicited resumes or applications from agencies. Please do not forward resumes to our jobs alias, Cloudbeds employees, or any other company location. Cloudbeds is not responsible for any fees related to unsolicited resumes/applications.

Job Description Credit Officer - Construction Loans (Residential) Kirkland, WA A rapidly growing private real estate lender is hiring a Credit Officer to join their team. With $3B in loans funded, they continue to expand their footprint in residential lending. In this role, you'll work closely with residential builders and developers to evaluate loan applications, assess borrower qualifications, and ensure alignment with company and investor guidelines. You'll collaborate with a credit team of five. The ideal candidate brings deep experience in credit analysis, risk assessment, and real estate development. You'll be responsible for structuring and underwriting complex construction and bridge loans-making sound credit decisions that support the firm's growth while managing risk effectively. Credit Officer Responsibilities: Deal Vetting: Underwrite bridge and construction loans end-to-end, confirm inputs, and keep the file buttoned-up for audit. Borrower & Project Diagnostics: Dig into financials, credit profile, budgets, comps, and assumptions to gauge ability to execute and repay. Exposure Mapping & Mitigation: Pinpoint market, build, timeline, and exit risks; shape terms (reserves, covenants, collateral) to offset them. Committee Briefings: Produce tight decision memos and risk snapshots; present and shepherd packages through leadership/credit review. Controls & Requirements: Keep every deal aligned with internal credit frameworks, investor parameters, and applicable lending rules. Partner Interface: Serve as the go-to between loan officers, borrowers, brokers, and internal teams to keep diligence unblocked. C-Suite Initiatives: Support the Chief Credit Officer on ad-hoc analyses, portfolio looks, and priority special assignments. Credit Officer Qualifications: 2+ years of mortgage/banking experience and/or related industry experience in construction, real estate and/or private equity. Bachelor's degree in Finance, Real Estate, Business, or related field Solid understanding of income property analysis and loan structuring. Proficiency in Excel and familiarity with loan origination software. Ability to work independently and thrive in a collaborative, fast-paced environment. Company Benefits & Culture: Annual bonuses Employee home loan program 401k with a 3% match Compensation: $95k-$115k + bonus

JobID: 210645665 JobSchedule: Full time JobShift: Base Pay/Salary: Seattle,WA $133,000.00-$240,000.00; Chicago,IL $123,500.00-$230,000.00 Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Lead Credit Officer within the Credit Risk team, you will play a critical role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities: * Oversee all aspects of credit analysis on commercial real estate/multifamily loans. * Evaluate and manage risks in complex transactions. * Serve as a back-up mentor for more junior Credit Analysts and Credit Officers * Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. * Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. * Apply data analysis techniques to interpret results and provide insights and recommendations to management. * Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools. * Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. Required Qualifications, Capabilities, and Skills: * Minimum 7+ years of experience in commercial real estate lending, credit analysis, or loan workouts. * Thorough understanding of multifamily real estate property valuations and cash flow analysis. * Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. * Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. * Excellent verbal/written communication and problem-solving skills. * Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed. * Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. Preferred Qualifications, Capabilities, and Skills: * Bachelor's degree in accounting, finance, economics, or real estate is preferred. * Experience as a loan underwriter in commercial real estate lending is highly desirable. * Familiarity with regional markets and municipal regulations. * Advanced degree in a related field. * Experience with proprietary credit risk management tools.

As a team member of commercial lending you will work directly with commercial lenders and clients to identify their banking needs and financial goals in order to deliver tailored solutions for their businesses, as well as their personal banking and wealth management needs. You will work within a dynamic team environment with Business Bankers and the Business Banking Department in evaluating, underwriting, monitoring and maintaining the overall credit quality of new and existing loan facilities. What youll do as a Credit Analyst: Underwrite high-quality credit narratives in support of new and existing loans, which includes analyzing multi-year trends and ratios from financial information, understanding cash flow, performing collateral analysis, running credit reports and analyzing KYC information. Work closely with Business Bankers, Commercial Loan Operations, Outside Counsel and the client to document and close loans thoroughly and swiftly. Research industry trends and risks. Create, maintain and monitor all loan and credit files at the highest quality, which entails monitoring existing credit facilities for financial and reporting covenant compliance, detecting early warning signs that could lead to a potential default, monitoring underperforming loans and evaluating proper loan risk ratings. Assist the Business Banker on all levels of the business banking relationship to ensure the client receives exceptional service. Identify cross-sell opportunities. Lead special projects as needed. Qualifications You could be a great fit if you have: A bachelors degree, with a strong credit background and a minimum of three to five years of commercial banking and lending experience, with an industry specialization preferred (law firms, accounting firms, private equity, entertainment and/or non-profits) An established network of business clients, prospects, and referral sources Excellent credit skills Outstanding communication skills The desire to provide extraordinary internal and external service The ability to think critically and independently as a proactive problem solver An orientation toward being a team player, providing extraordinary service Able to review and analyze data reports and manuals; must be computer proficient Able to communicate effectively via telephone and in person Definitions and Acronyms C&I: lines of credit based on cash flow of company CRE: loan secured by commercial real estate Owner occupied: a real estate loan for a business owner that occupies said real estate. This is not counted as CRE to feds. Clarify if lender/bank counts it toward C&I or CRE numbers. Investor: commercial real estate to be purchased by a developer to sell or rent Credit concentrations: the amount of portfolio in each specific area. Bestcashcow.com shows multi-family, construction, investor, farm, mortgage, credit card, consumer/auto, SBA percentages of portfolio. MF: multi-family complex loans, e.g., apartments Construction: financing of building out a building. TM: treasury management. This is a person who facilitates gathering deposits through specialty products. SBA: Small business administration secured loans. Designed to help disadvantaged and underserved communities thrive. BoB, Portfolio: BoB is book of business, also known as a portfolio. This the sum of all borrowers and depositors at any given time. Example, 50 clients and a $40mm BoB, with $80mm in deposits. Volume: What is the total amount of loans underwritten and approved in a calendar year? Next Steps: If this sounds like something you would like to learn more about, please reach out to me, Kim Post, for a confidential conversation. I can be reached at ************** or *******************. Apply Now!

Energy Risk Control Department is looking for a Consulting Risk Control and Credit Analyst or below, depending on experience, to join our team. This role is responsible for implementing, reviewing, and improving risk control and credit management policies and processes for consistency with the organization's governance structure. They will also be taking a leadership role in managing departmental projects. This is an excellent opportunity to play an integral role to help better serve the environment, customers and the communities in which they live. an environment where all employees are valued, respected and provided with the opportunity to achieve maximum performance. comprehensive pay package that includes competitive compensation, annual goals-based incentive bonuses, comprehensive cafeteria-style benefits, 401(K), a company paid retirement pension plan and an employee assistance and wellness program. Gain the energy to do great things PRIMARY RESPONSIBILITIES: • Reviews, validates and maintains valuation models used to forecast generation asset output, load needs, option valuation, and credit exposure. Assets include hydroelectric plants, thermal plants, wind units, gas storage, and derivative commodity contracts. • Works with front office, external vendors, and IT support to develop improved reporting across the department. Takes a leadership role in resolving anomalies associated with the energy risk and trading platforms. • Works with Energy Trading, Power Costs, Energy and Derivative Accounting, and other groups to develop new reports aligned with the Risk Policy and Integrated Strategic Plan. • Analyzes available data related to existing risk performance metrics. Recommends new performance metrics and works with other members of mid-office, back-office, front-office, IT, and other stakeholder groups to move from design board to production. Assists with incorporating an enterprise-wide view of risks. • Reviews and develops recommendations to ensure commodity risk governance is implemented successfully within the organization. Works with legal, front-office, mid-office, and senior management to develop recommendations that lead to adoption of formal company policies that drive governance decisions. • Takes a leadership role in managing departmental projects such as integration of new energy risk trading platforms, development of policies and procedures in response to new regulatory requirements, validation of valuation models, evaluation of new credit management tools, development of new reporting processes, and validation of price curves. Identifies project scope, determines deliverable requirements, internal and external resource requirements, and expected timeframe in order to achieve intermediate and final milestones.Develops an understanding of PSE's businesses and how daily operational tasks conducted in Risk Control and Credit contribute to the businesses. Functions as a communication bridge between front and back office. • Provides ad hoc reporting as required. • Performs other duties as assigned. Qualifications MINIMUM QUALIFICATIONS: • Bachelor's degree in mathematics, science, finance, or technically/commercially related field, or equivalent combination of education and relevant work experience. • 7 years relevant experience for the consulting level (such as risk control, analytics, reporting, modelling, and credit experience). • Strong knowledge and proficiency in applying portfolio risk measures and probability distribution concepts. • Strong database, spreadsheet and reporting skills including the ability to write queries and macros, build pivot tables and develop OLAP reports. • Self-motivated and high attention to detail with a bias for delivering a flawless product. • Demonstrated problem solving, planning, analytical and/or consulting skills. • Strong oral and written communication skills and ability to use MS PowerPoint effectively. • Prior project management experience. DESIRED QUALIFICATIONS: • 7 years of relevant experience (such as risk control governance, portfolio analytics, or credit management experience). • Strong database, spreadsheet, and reporting skills. • Proficiency in applying quantitative methods to solve problems. • Strong written, oral, and presentation skills (proficient with MS Powerpoint). • Project management experience. • Strong understanding of commodity trading instruments. • Master's degree in engineering, math, science or finance. • Stong understanding of, energy markets, portfolio risk management concepts and commodity trading insturments including financial derivatives. • Familiarity with quality management principles. • Detailed knowledge of portfolio risk caculations, including Value at Risk, marginal risk analysis, stochastic modelling concepts, and applied probabiilty distribution methods. • Knowledge of process design, re-engineering, and requirements documentation methodologies. • Proficiency in applying quantitiative methods (regression analysis, time-series analysis, Monte Carlo simulation, linear and non-linear optimization). • Programming proficiency in one or more of the following: Assembly, procedural language (such as C), object-oriented (such as java, C++, C#), LISP, Prolog, data management (SQL, XML). This position will be filled as a Consulting Risk Control and Credit Analyst, Senior Risk Control and Credit Analyst or Risk Control and Credit Analyst depending on the qualifications of the selected candidate. Additional InformationAll your information will be kept confidential according to EEO guidelines. Direct Staffing Inc

A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. In order to be the best, we hire the best! Benefits Offered by CoBank: * Careers with a purpose * Time-Off Packages, 15 days of vacation, 10 paid sick days and 11 paid holidays * Competitive Compensation & Incentive * Hybrid work model: flexible arrangements for most positions * Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance * Robust associate training and development with CoBank University * Tuition reimbursement for higher education up to $10k per year * Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match * Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution * Associate Resource Groups: creating a culture of respect and inclusion * Recognize a fellow associate through our GEM awards Job Description Prepares analysis and conducts credit investigations of routine and more complex credits in accordance with prescribed methods and procedures. Prepares and presents credit reports to appropriate senior staff or committees. Cosponsors or approves credits within prescribed credit limits. Assists with account servicing, credit administration, and documentation. Provides support to credit manager and appropriate staff with research and statistical analysis. Essential Functions * Develops credit information and structures financial proposals for use by appropriate senior staff and committees in making decisions about credit arrangements for new, renewal, or extension loans. Cosponsors or approves credit requests within prescribed limits. * Reviews all pertinent credit and financial information and determines the need for more thorough investigation or additional information. Analyzes information statements and related material and prepares summaries, presents facts, and offers opinions concerning credit‑worthiness. Understands and follows bank guidelines, policies, and procedures for the preparation and presentation of credit information. * Assists with credit administration, account servicing, development, packaging, closing, documentation, and monitoring. * Maintains control over current accounts, monitoring for payment progress, developing problems, trends, and compliance with covenants. Provides relevant and timely information to internal stakeholders including account officers, relationship managers, and credit staff. * Assists credit manager in the preparation of internal research and analysis, provides statistical reports, and verifies information. Prepares and delivers presentations on topics as assigned. * Develops and utilizes computerized spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations. * May authorize loan advances and loan re-pricing with money desk staff. * Maintains expertise in assigned industries or market sectors. Keeps abreast of industry trends and competitive environment. Education * Bachelor's Degree required Work Experience * 3 years of credit experience in banking industry required Physical Exertion Details Sedentary Exerting up to 10 pounds of force occasionally (Occasionally: activity or condition exists up to 1/3 of the time) and/or a negligible amount of force frequently (Frequently: activity or condition exists from 1/3 to 2/3 of the time) to lift, carry, push, pull, or otherwise move objects, including the human body. Sedentary work involves sitting most of the time, but may involve walking or standing for brief periods of time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met. Travel Requirement Details Occasional Travel occurs infrequently (typically, once a month or less). About CoBank The typical base pay range for this role is between $80,300 - $91,840. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance. The listed salary, other compensation and benefits information is accurate as of the date of this posting. This job will be posted for a minimum of five (5) business days or until the position is filled. CoBank reserves the right to adjust compensation for all positions and to modify or discontinue benefits programs at any time in its sole discretion, subject to applicable law. CoBank is a cooperative bank serving vital industries across rural America. The bank provides loans, leases, export financing and other financial services to agribusinesses and rural power, water and communications providers in all 50 states. The bank also provides wholesale loans and other financial services to affiliated Farm Credit associations serving more than 76,000 farmers, ranchers and other rural borrowers in 23 states around the country. CoBank is a member of the Farm Credit System, a nationwide network of banks and retail lending associations chartered to support the borrowing needs of U.S. agriculture, rural infrastructure and rural communities. Headquartered outside Denver, Colorado, CoBank serves customers from regional banking centers across the U.S. and also maintains an international representative office in Singapore. REASONABLE ACCOMMODATION We are committed to ensuring that our online application process provides an equal employment opportunity to all applicants, including qualified individuals with disabilities. If you are an applicant with a disability, or are assisting an applicant with a disability, and require accessibility assistance or would like to request a reasonable accommodation for any aspect of the application process, including completing an application, interviewing, or otherwise participating in the employee selection process, please submit a request by emailing *********************. Include your contact information and specific details about your requested accommodation. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time. CoBank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, or status as a protected veteran. Responsibilities Prepares analysis and conducts credit investigations of routine and more complex credits in accordance with prescribed methods and procedures. Prepares and presents credit reports to appropriate senior staff or committees. Cosponsors or approves credits within prescribed credit limits. Assists with account servicing, credit administration, and documentation. Provides support to credit manager and appropriate staff with research and statistical analysis.

We are seeking a new Chief Credit Officer (CCO) to join our team, ideally located in our Puyallup, WA office. In this role, you will be responsible for overseeing the credit function, ensuring the quality and performance of our loan portfolio, and leading the development and implementation of credit strategies for a wide range of construction and development projects. As the CCO, you will work closely with the executive team, cross-functional business units, manage relationships with credit agencies, and ensure that all credit decisions align with the company's strategic objectives and risk tolerance. Builders Capital is the nation's largest private construction lender, offering innovative financing solutions to a broad spectrum of developers and homebuilders. Our loan products include options for Acquisition, Development, Construction, and Bridge financing, in the form of single-asset loans, portfolio loans, and revolving credit facilities. The Chief Credit Officer will play a key role in ensuring the successful management of these financing products while also overseeing credit risk and managing a diverse portfolio of clients in the construction and real estate industries. What You'll Do: Credit Strategy Development: Lead the development and execution of credit policies, guidelines, and strategies to ensure sound credit risk management and profitable loan performance. Risk Assessment: Oversee the analysis and assessment of credit risk for new and existing loan portfolios, including evaluation of borrower financial health, project feasibility, and collateral. Credit Approval Process: Manage the credit approval process, ensuring that all loan decisions are made in line with company risk tolerance and strategic goals. Portfolio Management: Monitor and manage the performance of the loan portfolio, working with the operations and risk management teams to ensure timely payment and minimize defaults. Compliance & Regulation: Ensure compliance with regulatory requirements and industry standards, overseeing audits, credit reviews, and internal reporting processes. Credit Analysis Leadership: Lead a team of credit analysts and professionals, providing guidance on complex credit issues and ensuring the quality of credit underwriting. Stakeholder Collaboration: Work closely with the executive team, sales, and operations to align credit policies with business development and operational needs. Vendor & Partner Management: Manage relationships with external vendors, credit agencies, and partners to ensure the best credit practices are applied across the portfolio. Performance Metrics: Utilize data and analytics to assess credit performance and risk, providing regular updates to the executive team on key performance indicators (KPIs) and portfolio health. Risk Mitigation: Develop and implement strategies to mitigate risk in the loan portfolio, identifying trends and making recommendations for adjustments or new credit offerings. Market Insights: Stay informed about the latest industry trends, market conditions, and economic factors that may impact credit risk and lending opportunities. Executive Reporting: Provide regular updates and reports to the executive team on credit portfolio performance, risk management activities, and key credit metrics. Ad Hoc Projects: Take on special projects related to credit analysis, portfolio management, and risk mitigation as needed, ensuring alignment with the company's overall business priorities. Requirements Strategic Thinker: Ability to think big-picture and develop long-term credit strategies that align with company goals and risk tolerance. Leadership: Proven experience in leading and managing credit teams, driving results through effective decision-making and team collaboration. Data-Driven: Strong analytical skills with the ability to interpret financial data, credit reports, and market conditions to inform decisions and drive business outcomes. Risk Management Expertise: Deep knowledge of credit risk management principles, loan structures, and credit underwriting processes in the construction and real estate sectors. Collaborative: A team player who works effectively with internal departments, including sales, operations, and legal, to ensure cohesive risk management strategies. Adaptability: Ability to navigate changes in market conditions, adjust credit strategies, and take proactive steps to mitigate emerging risks. Experience: Proven experience in a senior credit role within the lending or financial services industry, with a successful track record of managing credit portfolios and mitigating risks. Education: A Bachelor's degree in Finance, Business, Economics, or a related field; advanced certifications such as CFA or MBA are a plus. Industry Knowledge: Extensive knowledge of credit trends, economic factors, and lending regulations in the private construction lending industry. Leadership Skills: Strong communication, negotiation, and leadership abilities to effectively manage both internal teams and external vendors. Benefits Why Builders Capital? Competitive Compensation: Builders Capital offers competitive wages and performance-based incentives to reward your expertise. Work Flexibility: Enjoy a flexible work environment in a company that values both professional and personal life. Growth Opportunity: As the nation's largest private construction lender, Builders Capital is an industry leader, offering you endless opportunities for personal and career growth. Innovative Environment: Join a forward-thinking company at the forefront of the construction finance industry with access to cutting-edge technology and resources. National Impact: Be part of a nationwide operation that's shaping the future of construction financing and making a difference for builders, developers, and homeowners across the U.S. At Builders Capital, we believe in taking care of our team. Here's a glimpse of the benefits that come with joining us: Health Insurance: Builders Capital pays 100% of employee medical insurance premiums, offering both PPO and HSA options. Paid Time Off: Enjoy three weeks of PTO annually to recharge and relax. Paid Holidays: Take advantage of 10 paid holidays throughout the year. Health Savings Account (HSA) - We contribute annually into your HSA account (prorated from your hire date) and for those the select our HSA plan Ready to Shape the Future of Talent at Builders Capital? If you're ready to make an impact in a fast-growing organization that values innovation, teamwork, and excellence, we'd love to hear from you. Apply now or send us a message to learn more about this exciting opportunity! Construction Loan Services II LLC (Builders Capital) and its affiliates are Equal Employment Opportunity (EEO) employers and welcome all qualified applicants. This is a full-time exempt position. The job description contained herein is not intended to be a comprehensive list of the duties and responsibilities of the position, which may change without notice.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: The UW is responsible for underwriting and structuring of credit transactions. The UW is able to underwrite credit transactions with minimal oversight from the Credit Officer (CO) and also approves complex credit transactions with some coaching from the CO/Commercial Credit Manager (CCM). The UW leads the credit approval process with assistance from the CCM as needed for clients without CO coverage and is an active participant with the CO in credit approval process for complex clients/transactions. UWs may call on credit clients and prospects in partnership or independently with the RM and/or CO as appropriate. Provides ongoing management and primary accountability for a portion of the monitoring and maintenance activities on an assigned portfolio or market, including a higher composition of complex client relationships. They monitor clients operating performance and financial condition to proactively identify issues and opportunities. They deliver financial, industry, economic and other analysis to facilitate decision making, while also ensuring adherence to credit policies, guidelines, and applicable regulatory requirements. The UW's provide ongoing coaching and support to other Credit team members. They report to CCM and partner closely with COs. Responsibilities: * Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility * Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions * Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities * Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making process * Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements Skills: * Attention to Detail * Credit and Risk Assessment * Financial Analysis * Underwriting * Written Communications * Analytical Thinking * Credit Documentation Requirements * Financial Forecasting and Modeling * Recording/Organizing Information * Business Acumen * Collaboration * Collateral Management * Loan Structuring * Prioritization Required Qualifications: * 3+ years of solid experience in Commercial Banking performing financial analysis, structuring, underwriting and portfolio management * Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring. Desired Qualifications: * Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed. * Be knowledgeable of the closing process & timeline for all types of loans (i.e. real estate, revolvers, etc.) * BA/BS Desired Shift: 1st shift (United States of America) Hours Per Week: 40

Job DescriptionDescription: Northwest Bank serves the business and professional communities of Idaho, Oregon, Washington, and Utah. We were founded in 2008 with the belief that banks should partner with their customers to find creative financial solutions that work. In order to achieve that goal, we need experienced Assistant Relationship Managers on our team. People who share our vision and values, know their customers and work tirelessly to deliver successful financial solutions. Job Overview The Assistant Relationship Manager (ARM) supports Relationship Managers (RMs) as a member of the client-facing production team. The ARM conducts credit analysis including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and plays a pivotal role in supporting a designated Relationship Manager (RM) to service existing clients and business development for new clients. Requirements: Essential Duties & Responsibilities Perform assigned duties in accordance with the Bank's Mission, Vision and Core Values; provide the Bank's customers with timely, responsive and exceptional service in accordance with the Bank's customer service standards Investigate, interpret and analyze credit reports Develop key discussion points and questions to assist in analyzing loan opportunities Support the Relationship Managers (RMs) and Loan Administrators to close loans Spread and analyze financial statements and information to evaluate existing and projected company cash flow Work with Loan Administration to determine necessary reports (UCC lien searches, title, insurance, appraisals / evaluations, environmental, flood, etc.) Review independent appraisal and collateral exam reports Develop list of key information necessary to support the loan approval process Prepare detailed Credit Memorandums with defined Credit Quality Expectations and within Credit policies and procedures for review and approval Make underwriting recommendations to the Relationship Manager, Market President, and Credit Administration, as appropriate Assist in monitoring loans through timely collection of financial information / tickler management Create and maintain customer files within defined bank standards Attend customer meetings and provide written summary in underwriting and evaluating risk Connect with loan applicants to ensure loan packages are complete Participate in Credit Training to remain current on standards and expectations Review portfolio reports to be informed of work flow, maturing loans (early identification of need for loan extensions), covenant compliance, etc. Analyze/recommend line draws (via Borrowing Base Certificates, Construction Draws, etc.) as requested by RM Support collection of past due accounts Assist with the Know Your Customer (KYC) due diligence and new account onboarding for new clients Assist with customer calls and marketing efforts Maintain knowledge of and compliance with banking regulations Required Qualifications: Bachelor's degree in Business, Accounting, Finance, or related area; or equivalent work experience Relevant experience analyzing business financial statements in the context of commercial banking, investment banking, or commercial real estate lending Relevant experience with direct client interaction with businesses providing support related to financial services Preferred Qualifications: Experience with financial analysis software such as Moodys and Bukers Proficiency using Windows-based operating systems (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis and for high-quality, professional presentations to clients and prospects Thorough understanding of business cash flow and differing legal business structures Experience working in a fast-paced environment where effectively managing multiple tasks and priorities is critical Basic knowledge of risk analysis, economics, accounting, and finance practice Strong relationship-building skills with demonstrated attributes that support a team-based environment Thorough knowledge of lending policies and procedures preferred Effective oral and written communication and time management skills Basic knowledge of deposit and cash management banking products used by lower middle-market companies Salary 75,000 - 90,000 annually DOE Benefits Northwest Bank also offers a competitive benefits package with a wide range of offerings, including: Health Benefits: We offer two choices of medical plans, a dental plan, and a vision plan all at no cost for employee coverage; comprehensive benefits for employees and eligible dependents, including a spouse or domestic partner. Short-Term Disability, Long-Term Disability and Life Insurance. Employee Assistance Program. Retirement Plans: 401k. Paid Time Off: Employees accrue 21 days of paid time off annually with increases at five years of service. Holidays: We observe 11 paid holidays per year. ORCA Card: All full-time employees will receive an ORCA card at no cost. 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. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and ability to adjust focus. While performing the duties of this job, the employee is regularly required to sit; use hands and talk or hear. The employee is occasionally required to walk; reach with hands and arms and stoop, kneel, crouch, or crawl.

At PitchBook, a Morningstar company, we are always looking forward. We continue to innovate, evolve, and invest in ourselves to bring out the best in everyone. We're deeply collaborative and thrive on the excitement, energy, and fun that reverberates throughout the company. Our extensive learning programs and mentorship opportunities help us create a culture of curiosity that pushes us to always find new solutions and better ways of doing things. The combination of a rapidly evolving industry and our high ambitions means there's going to be some ambiguity along the way, but we excel when we challenge ourselves. We're willing to take risks, fail fast, and do it all over again in the pursuit of excellence. If you have a good attitude and are willing to roll up your sleeves to get things done, PitchBook is the place for you. About the Role: At PitchBook, employees are our customers, and customers are king! The Finance team handles everything “money” at PitchBook including accounting, quote-to-cash, payroll, compliance, and budgeting for our fast-paced and growing company. The team supports the growth of PitchBook by providing actionable insights on the company's financial health, all while working with a fun, energetic team! The Billing & Collections Analyst is involved in all areas of the accounts receivable process. This ranges from assisting the sales teams with billing questions, invoicing clients, and reaching out to clients with past due invoices. Primary Job Responsibilities: Review contracts for revenue and billing compliance Create invoice and revenue schedules for signed contracts Collaborate with sales to address billing and customer set-up inquiries Complete contract and billing updates and changes Respond to customer and employee inquiries regarding billing and collections Communicate remittance information to outsourced cash application team Contact clients and resolve past-due invoices Submit invoices in client AP portals Support customer phone inquiries Compile documentation for third party collection submissions Ensure billing and collection notes are up to date and complete Ensure clean master data through collaboration with corporate teams Assist with month-end closing duties Support the vision and values of the company through role modeling and encouraging desired behaviors Participate in various company initiatives and projects as requested Skills and Qualifications: 2+ years of previous successful experience in an Accounts Receivable role Strong organizational skills with excellent attention to detail Excellent communication skills, both written and verbal Ability to work independently, under tight deadline at times, and in an ever changing/dynamic environment Proficiency with Microsoft Office suite including in-depth knowledge of Outlook, Word, and Excel with the ability to pick up new systems and software easily Benefits + Compensation at PitchBook: Physical Health Comprehensive health benefits Additional medical wellness incentives STD, LTD, AD&D, and life insurance Emotional Health Paid sabbatical program after four years Paid family and paternity leave Annual educational stipend Ability to apply for tuition reimbursement CFA exam stipend Robust training programs on industry and soft skills Employee assistance program Generous allotment of vacation days, sick days, and volunteer days Social Health Matching gifts program Employee resource groups Subsidized emergency childcare Dependent Care FSA Company-wide events Employee referral bonus program Quarterly team building events Financial Health 401k match Shared ownership employee stock program Monthly transportation stipend *Please be aware the above PitchBook benefit and perk offerings are subject to corresponding plan and policy documents and may change during the course of your employment. Compensation This position is non-exempt and paid a salary of $70,000-$80,000 Target annual bonus percentage: 5% Working Conditions: At the heart of our company is a belief in the power of in-person collaboration. Being together in the office fuels our creativity, strengthens our connections, and drives the innovation that sets us apart. Our culture is built on spontaneous moments-those hallway conversations, whiteboard brainstorms, and shared celebrations in each of our global offices-that simply can't be replicated remotely. This role is expected to be in the office 5 days a week. The job conditions for this position are in a standard office setting. Employees in this position use PC and phone on an on-going basis throughout the day. Limited corporate travel may be required to remote offices or other business meetings and events. Life At PB: We are consistently recognized as a Best Place to Work and our culture is at the heart of our success. It's our fundamental belief that people do and create great things and that people are the cornerstone of prosperity. We believe that proactively seeking out different points of view, listening to others, learning, and reflecting on what we've heard creates a sense of belonging within PitchBook and strengthens the PitchBook community. We are excited to get to know you and your background. Concerned that you might not meet every requirement? We encourage you to still apply as you might be the right candidate for the role or other roles at PitchBook. #LI-AD2 #LI-Onsite

Job Description Buddy's Home Furnishings is the third-largest Rent-To-Own (RTO) retail provider of furniture, appliances, electronics, and computers in the United States. Over the past five years, we have expanded aggressively, adding new company-owned and franchised stores nationwide. Come join our growing team! Benefits include: * Salary: $18.00 - $20.00 per hour * Paid Time Off * Closed on Sundays* * Discounts * Health & Retirement benefits (vary depending on location) Credit Manager Role Summary: The Credit Manager along with the Sales Manager are the second in charge after the general manager at the individual branch location. The Credit Manager performs a wide variety of job functions at the direction of the General Manager, assisting and coordinating store activities to ensure safe, professional and profitable operations. The Credit Manager is accountable for meeting company objectives; maintain company quality standards and adhering to company policies. Training will be provided, and you will be cross trained in all aspects of the role. * This is an in-person job and only available physically at the specified location. * You must be over the age of 21 to be considered for this position. Principal Responsibilities: * Acquire and Maintain Customers * Act as a customer liaison who resells the benefits of timely rental/lease agreement renewal payments * Assist in managing store personnel; may direct activities of one or more employees * Compliance with all applicable federal, state and local statutes * Decipher, prepare and review store reports * Document all customer commitments * Ensure company standards for renewals, delinquencies and store collections are satisfied * Meet and exceed target sales and revenue goals * Follow monthly marketing plans and maintain internal quality control standards * Manage customer accounts * Managing inventory and cash assets * Prepare daily work schedules, delivery schedules, assign tasks, enforce company policy ience as Credit manager, Sales Manager, general manager, Supervisor, sales associate, sales agent, rental agent, account executive, account manager, account collection, rent to own, home furnishings, furniture, electronics, appliances sales at one of the following brands is very helpful to the success at this job: Buddy's Home Furnishings, Rent a Center, Cort, Wayfair, Aaron's, Ace, Costco, City Furniture, Best Buy Requirements/Responsibilities Credit Manager Requirements: * Must be over the age of 21 to drive a vehicle for work (insurance requirement) * Effective organizational skills * Established collection skills * Good communication skills * Learn and become proficient in POS system * Maintain professional appearance * Must be able to read, write and communicate effectively in person and over the phone with employees and customers * Negotiate and resolve conflict * Plan, organize, delegate, coordinate and follow up various tasks and assignments * Recognize and solve problems * Must have proficient navigational skills with a satisfactory driving record and meet insurability requirements * General Accounting and accounts receivable * Regular and consistent attendance, including nights and weekends as business dictates Education and Experience * Two years' experience with Rent-to-Own, retail or other business emphasizing customer service, account management, sales and merchandising. * Credit Analyst and collection Physical Requirements: * Routine lifting, loading, and moving of merchandise (50-300 pounds) using a dolly * Stooping, bending, pulling, reaching, and grabbing * Ability to traverse multiple flights of stairs while carrying furniture, appliances, and electronics * Prolonged periods of driving and standing * Ability to work in various indoor and outdoor climates and weather conditions Additional Information: * Buddy's Home Furnishings is an Equal Opportunity Employer and a Drug-Free Workplace. * A detailed background check, including driving history and drug screening, is required. Special Instructions Please do not send any emails, resumes, or call. We are making it really easy to apply for this position. Simply submit a ZippyApp application package which may include the Common Employment Application, Resume, and a Cover Letter. In your Cover Letter, please write a short paragraph describing yourself and why you would make a great addition to our team. ZippyApp is the Common Employment Application for online and mobile that allows you to apply for jobs with one click, and is being accepted at a growing number of businesses each day.

Reporting to the Global Collections Manager, the Collections Analyst will be responsible for timely collections across a portfolio of accounts, including fostering relationships with strategic account and internal cross-functional partners. This person is a key player in collaboration to maximize revenue and cash flow, minimize bad debt exposure, while focusing on the customer experience. Additionally, you will be aiding the Accounts Receivables team with key projects in obtaining customer contact information and sales tax exemption certificates. The ideal candidate will be a proven strong communicator and creative problem solver. You will be an integral part of the process of managing timely customer payments, trend analysis, root cause identifications, and the influencing of internal and external customers. What You'll Be Doing * Monitor and review the customer aging, identifying overdue accounts and ensuring they are handled per our collection policy * Influence and hold customers accountable to payment terms; drive toward positive key performance indicators (Aging, Days to Pay, DSO) * Manage a project to identify and collect customer Accounts Payable contact information and sales tax exemption certificates, and input the data into supporting software programs * Facilitate meetings and checkpoints with accounts to troubleshoot and resolve discrepancies or concerns between Twist and the account * Apply critical thinking and professional judgement toward data to determine the appropriate next actions. Assess portfolio and recommend account strategies as needed * Communicate risks and key account information or behavior changes to leadership and cross- functionally as appropriate * Recommend and prepare bad debt write-offs, ensuring all supporting documents are included for approval * Prepare weekly 60+ Day past due report commentary for leadership visibility * Participate in collection projects which improve collection results, DSO and delinquency * Collaborate and build proactive, positive relationships with business partners, peers, managers, and customers to ensure global best-in-class practices * Make recommendations and help identify process improvement needs and/or gaps in current work procedures to improve prioritization and management of the past due receivables * Keep a pulse on account-related industry trends and marketplace financial performance to elevate account analysis and escalate/drive areas of concern or deterioration * Participate in the fostering of teamwork and collaboration built on mutual accountability and respect What You'll Bring to the Team * Bachelor's or Associate's degree in a relevant field, or 2-3 years of proven experience in commercial collections * SAP experience preferred * Strong problem analysis and solving skills * Strong communication skills, both written and verbal. Ability to effectively articulate and "tell the story" to all audience levels and influence others * Demonstrated process improvements and innovative thinking skills * Proven collection skills, negotiation skills * Ability to professionally manage difficult customer communications * Strong Excel skills including formulas, graphs, pivot tables, and linked spreadsheets * Ability to contribute to objectives & goals * Relates well to all levels of internal and external people; builds constructive and effective relationships; uses diplomacy and tact; can diffuse high-tension situations comfortably * Can effectively cope with change; can shift gears comfortably, handle risk and uncertainty * Track record of working effectively with peers throughout the organization * Drives business results through clear communication and collaboration * Well-organized, extreme attention to detail and a self-directed individual * Strong work ethic, unquestionable integrity