Credit analyst jobs in Redwood City, CA

Job Description Excellent opportunity for an EVP/Chief Credit Officer with a very successful regional financial institution. The Chief Credit Officer is the senior manager responsible for maintaining and setting loan policy, managing the credit and loan closing processes, provides oversight of the credit granting process. Provides credit guidance to lenders, chairs the Credit Risk Management Committee, chairs the Watch List and approves major credit exposures up to individual authority. Responsibilities: Approving major credit exposures up to personal lending limits. This also involves meeting with lenders in triage and often individually to provide direction to the credit process. Managing the day to day Credit Department and loan closing process including credit approval, managing concentration limits on a portfolio basis, adherence to credit policies, performing industry reviews as required, responsible for regulatory audit, etc. Preparation of materials and acting as chair of the Credit Risk Management Committee and Watch List Committee. Meeting with Portfolio Managers and Credit Analysts to help structure and negotiate loan requests. Setting credit standards for lending. Other duties as assigned. Experience with ALLL analysis narrative and stress test understanding. Requirements: Bachelor's degree in finance or related areas; At least 10 years progressive experience in credit related positions with community or large banks or financial services firms Extensive experience approving commercial real estate, C&I lending, SBA lending and construction financing. Substantial delegated credit authority Prior experience in regulatory examinations and preparation in policy, procedures, risk management and complete credit processes. Extensive credit related experience, underwriting and structuring complex commercial banking transactions. Ability to manage a team of employees with a broad range of experience and technical skills, as well as training junior underwriters. Ability to work with a variety of internal and external contacts to manage credit exposure while meeting both bank and the customer's needs. For further consideration regarding this and/or other opportunities please inquire confidentially to ********************* or call ************. All inquiries held in strict confidence. Thank you for your interest.

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. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

San Ramon, CA Exp 15 yrs Degree Bach Relo Bonus Visa Candidates Welcome Job Description We are seeking a qualified and motivated candidate who will ensure accurate reporting of consumer information to credit bureaus, and accurate interpretation of credit bureau data for use in credit decisions. In this role you will: Investigate, analyze, and monitor our credit bureau reporting practices to ensure alignment with legal and compliance requirements, CDIA guidelines, and industry best practices, and making recommendations for improvements where needed. Review credit attributes to ensure accurate coding of credit bureau information for use in credit decisions. Investigate and resolve consumer credit bureau disputes, including a review of internal account records and communication of corrections to the credit bureaus. Serve as the subject matter expert on projects that impact or rely upon credit bureau reporting. Bachelor's Degree in quantitative discipline required 15+ Years of functional/professional experience Alternative: Combination of education and experience (years /description) 20+ years of experience with credit bureau data management Qualifications Bachelor's Degree in quantitative discipline required 15+ Years of functional/professional experience Alternative: Combination of education and experience (years /description) 20+ years of experience with credit bureau data management IDEAL CANDIDATE We are seeking a qualified and motivated candidate who will ensure accurate reporting of consumer information to credit bureaus, and accurate interpretation of credit bureau data for use in credit decisions. In this role you will: •Investigate, analyze, and monitor our credit bureau reporting practices to ensure alignment with legal and compliance requirements, CDIA guidelines, and industry best practices, and making recommendations for improvements where needed. •Review credit attributes to ensure accurate coding of credit bureau information for use in credit decisions. •Investigate and resolve consumer credit bureau disputes, including a review of internal account records and communication of corrections to the credit bureaus. •Serve as the subject matter expert on projects that impact or rely upon credit bureau reporting. Additional Information All your information will be kept confidential according to EEO guidelines. Direct Staffing Inc

The Credit Administrator is responsible for managing the Bank's overall credit risk for assigned business segments. This position works closely with Relationship Managers and Senior Management to help ensure that established risk parameters are being followed, ensuring compliance with overall portfolio credit quality. The Credit Administrator is responsible for the analytical quality, administration, approval under delegated approval authority, and recommendations for credit approvals of larger, more complex credit transactions. ESSENTIAL DUTIES AND RESPONSIBILITIES: * Lead all aspects of credit approval, reporting and monitoring for assigned business segments. Review and approve loans under Delegated Lending Authority. * Work with Relationship Managers and, when necessary, Senior Management to structure credit facilities that protect the bank and meet the needs of the client, making sure policy exceptions are noted, properly mitigated, and that risk ratings are appropriate. Pre-review loan presentations before submitting for further approval. * Assist Relationship Managers and analytical staff with deal structuring and underwriting. * Work closely with Relationship Managers and Senior Management to ensure overall portfolio credit quality, adherence to policy, and identification of risk meets the bank's policy and risk appetite. * Identify developing trends in the loan portfolio and lending practices and provide recommendations accordingly. * Identify early warning signals (such as past dues, higher vacancies or extended asset conversion cycles) and take immediate actions. * Assist in developing and maintaining credit administrative monitoring and reporting systems, including supporting procedures and processes. * Assist in identifying product concentrations and other risk components to ensure that the loan portfolio is balanced in terms of risk parameters and profit expectations. * Provide input on tailoring credit products. Work with leaders throughout to provide strategic directions for implementation. * Reviewing credit policies and procedures to ensure that they are up to date, reflect the risk appetite of the Bank, are relevant to the products that the Bank currently offers or intends to offer. * Assist in leading the credit role related to mergers and acquisitions, and subsequent loan portfolio and staff integration. * Actively drive overall bank strategy as an active member of the credit team. * Mentor and train business units, including analytical staff, as necessary. Requirements REQUIRED SKILLS AND ABILITIES: * Ability to analyze and organize financial information and perform complex financial calculations. * Detailed knowledge of lending regulations, lien laws and loan documentation. * Direct experience with regulators, auditors, and other consultants in the industry. * Excellent analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions. * Strong interpersonal skills with solid credit, problem solving and decision quality skills. * Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone. * Ability to quickly assimilate and consistently implement existing credit policies and guidelines. * Ability to effectively lead, persuade, and guide the line of business. Education/Licenses/Work Experience: * Bachelor's Degree in Finance or a related discipline. * 10 years of banking experience * 15 years in Commercial Lending and/or C&I credit experience. Work Environment * Standard office environment with a moderate noise level. Physical Demands The work environment characteristics and physical requirements described here are representative of those which an employee in this position encounters while performing the essential functions of this position. Reasonable accommodation may be provided to enable individuals with disabilities to perform essential functions. * Prolonged periods sitting at a desk and working on a computer. * Remain in a stationary position for sustained periods of time. * Occasionally move about inside the office to access filing cabinets and/or other office machinery. * Occasionally required to raise objects up to 25 pounds from a lower to a higher position, move objects horizontally from position to position with, and/or bend body downward and forward, and/or extend hands and/or arms in any direction to access files and/or other office machinery. * Consistent use of a computer and/or other office machinery is required, such as a keyboard, calculator, copy machine, scan machine, and/or computer printer. * Making substantial and repetitive movements (motions) of the wrists, hands, and/or fingers. * Close visual acuity is required to perform activities including, but not limited to, preparing and analyzing data and figures, transcribing, viewing a computer terminal, and/or extensive reading. * Regularly required to communicate verbally with employees, clients, and vendors. Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled Pay Range: $180,000 - $220,000 annually. Pay range may vary based on skills, experience, and location Salary Description Pay Range: $180,000- $220,000 annually

Summary/Objective: Credit Analyst/Officer Credit Department Exempt VP and Credit Manager of the Region Responsible for preparation of credit assessment and other administrative matters in connection with credit. Essential Functions: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Analyze financial statements, tax returns with emphasis on cashflow, profitability and liquidity Review property appraisals, environmental reports and evaluate suitability as loan collaterals Assessment preparations, interpret financial ratios and significance of various financial ratios Discuss and meet with front office staff on prospective customers, visit collateral properties Prepare department reports, order appraisals, review loan documents, approve GCMS transactions and other responsibilities as required. Competencies: In order to perform the job successfully, an individual should demonstrate the following competencies: Knowledge of international trade finance functions, documents and procedures Working knowledge of accounting principal, property appraisals and environmental reports 3 Basic banking practice and bank procedures, UCC and loan agreements Proficiency in Excel, Word, Power Point office software Business writing, local rent control ordinances, Alice Act desired Supervisory Responsibility: None Physical Demands: This is largely a sedentary role, requiring use of typical office equipment such as a computer, laptop and cell phone. Most work is completed in an office environment. Walking around the office and talking to employees and supervisors is required. Travel Requirements: Some local travel to meet with customers or visit collateral hence a valid driver's license is required Required Education and Experience: Bachelor's degree (B. A. or B. S.) from four-year college or university. Two to five years of related experience and/or training. Equivalent combination of education and experience. Additional Qualifications: Knowledge of real estate industry, title insurance industry a plus Language/Communication Skills: Good English and Chinese language skills and good writing skills Other Duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. It is understood and agreed that the employee may be required to perform additional duties as assigned by the employee's supervisor or Manager. Risk Management Responsibilities: provide first line with advisory guidance and routinely monitor for compliance, assess risks and the activities to mitigate the risks. has sufficient authority, stature, independence, resources and access to the credit management to raise risks and concerns.

We are looking for a detail-oriented Credit Specialist to join our client in Concord, California. In this Contract-to-Permanent position, you will oversee essential credit and collections activities, ensuring compliance with company policies and maintaining strong relationships with both internal teams and external partners. This role will provide the opportunity to work closely with branch managers, manage receivables, and maintain customer portfolios. Responsibilities: - Monitor and track all accounts receivable to ensure timely payments. - Evaluate and approve new customer accounts in collaboration with branch managers. - Address and resolve issues with delinquent accounts across multiple branch locations. - Maintain accurate and up-to-date customer portfolio information. - Process customer refunds in compliance with company policies. - Write off bad debts and service charges with approval from management. - Send regular account statements to customers as part of the collection process. - Prepare and file preliens when necessary to secure payments. - Review and analyze aging reports to identify and address outstanding balances. Requirements - Proven experience in credit and collections, including commercial collections. - Strong understanding of credit applications and approval processes. - Familiarity with lien releases and waivers. - Ability to analyze and interpret financial data, including aging reports. - Excellent communication skills for managing customer and internal relationships. - Proficiency in using credit reporting tools, such as Dun & Bradstreet. - Strong organizational skills to handle multiple accounts and responsibilities. - Knowledge of contract compliance and legal procedures related to collections. 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) .

Application Deadline: 12/14/2025 Address: 2623 Camino Ramon Job Family Group: Commercial Sales & Service BMO is the 8th largest bank in North America and the 4th largest commercial lender with aggressive growth ambitions in the U.S. We are driven by a single purpose: to Boldly Grow the Good in business and life. Our Purpose informs our strategy, drives our ambition, and reinforces our commitments to progress: for a thriving economy, a sustainable future, and an inclusive society. The ideal candidate may bring experience as a Commercial Banking Relationship Manager combined with time spent as an Analyst or Portfolio Manager or candidates without a sales background who have served as a Portfolio Manager and has worked directly with clients and demonstrated exceptional communication skills. In the CPO role, you will have a strong partnership and collaboration with the sales team, engage in joint calling efforts, and identify, pre-screen, and develop qualified new Commercial & Industrial (C&I) opportunities in partnership with Recommenders and Credit Officers. The Credit Portfolio Officer will analyze credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment. Negotiates loan structures and terms and conditions that align client requirements with the bank risk appetite and policies. Assesses client repayment capacity by utilizing financial models and analytical tools to recommend appropriate loan structures and collateral requirements. Signs off on new, renewal and extension loans within delegated authority. Monitors portfolio to identify deteriorating credit conditions and compliance, analyses metrics, and assesses broader industry trends to spot risks and opportunities. Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives. Leads proposal development and delivers presentations to capture new business and expand client relationships. Networks with industry contacts to gather competitive insights and best practices. Develops and executes business development plans focused on enhancing client relationships and growth opportunities within the portfolio. Builds and maintains client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners. Structures and supports new, renewal and extension loans aligned with client needs and bank & risk policies Conducts financial analysis and risk assessments of clients' credit information, for an assigned portfolio, to provide insights and make informed decisions Monitors the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required. Minimizes BMO's risk exposure by adhering to credit policies, regulatory standards, and operational guidelines. Serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalates issues when needed. Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships. Identifies revenue and cross-selling opportunities to enhance portfolio growth. Identifies share of wallet opportunities. Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis. Manages timely and accurate data entry into BMO's systems and leverages the data to support decision-making. Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus. Provides specialized consulting, analytical and technical support. Exercises judgment to identify, diagnose, and solve problems within given rules. Works independently and regularly handles non-routine situations. Broader work or accountabilities may be assigned as needed. Qualifications: Preferred 5 - 7 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment. If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards. Bachelor's degree required; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered. Deep knowledge and technical proficiency gained through extensive education and business experience. Foundational level of proficiency: Structuring Deals Advanced level of proficiency: Problem Solving Collaboration Detail-Oriented Customer Service Loan Structuring Regulatory Compliance Portfolio Management Credit Risk Assessment Banking Operations Microsoft Office Expert level of proficiency: Financial analysis Salary: $88,800.00 - $165,600.00 Pay Type: Salaried The above represents BMO Financial Group's pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group's expected target for the first year in this position. BMO Financial Group's total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: ******************************************** About Us At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset. To find out more visit us at ************************* BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to ************************** and let us know the nature of your request and your contact information. Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

Permira is a global investment firm that backs successful businesses with growth ambitions. Founded in 1985, the firm advises funds across two core asset classes, private equity and credit, with total committed capital of approximately €80bn. The Permira private equity funds make both long-term majority (Buyout) and minority (Growth Equity) investments in four key sectors: Technology, Consumer, Healthcare, Services. The Permira credit funds support businesses with flexible financing solutions across Direct Lending, Strategic Opportunities and CLO Management. Established in 2007, the firm advises investment funds and products which have provided approximately €20 billion of debt capital to over 300 businesses. Led by Ariadna Stefanescu and with € 4 bn assets under management, 10 priced CLOs since 2018 and 1 8 0 + investments, Permira`s CLO management platform counts as one of the leading credit specialists in Europe. Permir a Credit are now seeking to expand their successful CLO Management platform to the US and are looking for a Credit Analyst to join the newly created US team based in Permira's Menlo Park office. Key Responsibilities Perform fundamental credit research on issuers within the US leveraged loan and high yield market, with a view to a potential investment by the Providus CLO funds. This would include analysis both of existing issuers held by the funds, as well as new issuance in the primary markets. The successful candidate would be expected to carry out detailed credit analysis during the underwriting stage, whilst providing regular updates to the Investment Committee thereafter and maintaining buy / sell / hold recommendations. Attend lender meetings and interact directly with both issuer management teams and sell-side counterparties Undertake detailed credit analysis for potential new issuance including risk analysis, market fundamentals, downside cases etc. Develop flexible financial models in MS Excel including in-depth financial analyses and forecasting Review financial, commercial and legal due diligence for potential investments Carry out sector analysis including competitor landscape, market environment, growth prospects etc Consider ESG criteria for all credits in collaboration with the ESG team Liaise with execution trading and loan settlement team as required Maintaining network with issuing banks and other counterparties in the market, representing the platform in a positive way externally Desired Experience / Background Educated to degree level; CFA desirable but not essential Ideally 4-6 years relevant experience with 2-3 years within a debt fund Sound experience of credit analysis - understanding of financial reporting, conducting due diligence and modelling essentials as well as credit instruments such as leveraged loans and high yield bonds Strong fundamental credit research skills, including analysis of business profile, customers, suppliers, competitive positioning, barriers to entry, market growth, collateral / documentary protection, financial analysis (including review of financial statements, KPIs and downside modelling), cash flow generation and de-leveraging prospects. Solid understanding of the broader macroeconomic landscape and how this impacts existing & potential investments Strong presentation skills and the ability to communicate with confidence in a clear & concise manner Intellectual curiosity, team player with a willingness to learn Microsoft Outlook, Excel and PowerPoint to an advanced level. Effective planning and organisation skills; ability to prioritise tasks and deliver to deadlines with strong attention to detail High level of motivation, integrity, energy and enthusiasm To learn how we handle your personal data during the recruitment process, please review our Candidate Privacy Policy. This includes our Supplemental CCPA Notice of Collection where applicable.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Credit Officer in the Credit Risk team, you will be conducting the essential credit analysis, performing due diligence, and reviewing documentation for new commercial real estate transactions with an emphasis on multifamily lending. 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 Implement all facets of credit analysis on commercial real estate/multifamily loans. Identify issues/concerns, evaluate results, and formulate effective recommendations in a timely manner. 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. 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 2+ years of experience in commercial real estate lending or 3+ years in other banking/finance experience. Good understanding of multifamily real estate property valuations and cash flow analysis. Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. Excellent verbal/written communication and problem-solving skills. Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed. 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. Experience with proprietary credit risk management tools. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: This job is responsible for managing a national portfolio of Global Commercial Banking (GCB) FinTech relationships, working directly with clients and prospects to provide financing solutions for multinational FinTech companies in the payments and financial software verticals. Key responsibilities include originating and structuring loans, negotiating terms and conditions, leading the credit process from pitch through underwriting, approval, booking and closing, with a focus on growing loans and credit revenue and managing asset quality. The Commercial Credit Officer (CO) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients, whether publicly traded or privately held. Products include lines of credit, term loans, and syndicated loans. The CO manages all of the ancillary credit exposure to clients and maintains knowledge of other Bank of America products including investment banking, treasury management and hedging solutions that have credit exposure, and leverages product and industry expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This role reports to the Commercial Credit Manager or Executive and will be aligned to an underwriting team that supports the business. FinTech is a fast-paced work environment with a highly active portfolio and strong deal flow from large cap and middle market companies. Experience with FinTech companies is preferred. Responsibilities: * Manages the credit process for a portfolio of clients * Negotiates credit documentation and manages the legal documentation process * Leads the credit and risk approval processes * Builds relationships with existing and prospective clients * Mentors and supports associates * Provides capital structure solutions Required Qualifications: * 10+ years of solid Commercial Banking experience * Experience in financial analysis, structuring, underwriting and portfolio management * Analytical/technical skills, including financial accounting, modeling and loan structuring * Strong communication skills; ability to communicate vertically, horizontally, and externally * Strong FinTech industry knowledge Skills: * Client Solutions Advisory * Financial Analysis * Loan Structuring * Risk Management * Underwriting * Account Management * Credit Documentation Requirements * Credit and Risk Assessment * Decision Making * Issue Management * Analytical Thinking * Coaching * Collaboration * Critical Thinking * Customer and Client Focus Minimum Education Requirement: BA/BS Degree Desired Shift: 1st shift (United States of America) Hours Per Week: 40

Job Description Credit & Collections Specialist (Temp-to-Hire) Industry: Construction Materials Wholesaler / Supplier Type: Temp-to-Hire We are seeking an experienced Credit & Collections Specialist to join our team in Concord, CA. This position is responsible for managing customer credit accounts, overseeing collections activities, and ensuring compliance with lien and credit laws related to the construction supply industry. The ideal candidate will have strong communication skills, attention to detail, and a proactive approach to resolving payment issues while maintaining positive customer relationships. Key Responsibilities Review and establish customer credit limits and terms based on credit applications and financial data. Manage and monitor accounts receivable aging; follow up on past-due accounts. Prepare and send preliminary lien notices, releases, and related documents in compliance with California pre-lien laws. Communicate with customers, project managers, and sales staff to resolve billing or payment discrepancies. Record and apply customer payments accurately in the accounting system. Maintain organized documentation of credit files, payment history, and collection activity. Assist in month-end AR reporting and support the accounting department as needed. Coordinate with management on delinquent accounts, payment plans, and potential write-offs. Qualifications 3+ years of experience in credit and collections, preferably within construction, distribution, or building materials industries. Working knowledge of California pre-lien and lien release processes. Strong proficiency in Microsoft Excel and accounting/ERP software (experience with Agility or PMSI a plus). Excellent communication and negotiation skills. Highly organized, detail-oriented, and able to manage multiple priorities. salary: $70,000-$90,000/year

Title: Accounts Receivable Analyst I FLSA Status: Non-Exempt Reports To: Accounts Receivable Supervisor Department: Corporate Pay: $30-$33/hr. About the Company: GreenWaste has been an industry leader in recycling and waste diversion for more than 35 years and is on a growth trajectory after private equity investment in 2021. Our business was founded on principles of environmental sustainability, and innovation is a cornerstone of our ongoing operations and growth strategy. GreenWaste specializes in all aspects of material collection, processing, and sales, tailoring our service offerings to the unique needs of our customers and communities, and helping to shape the evolution of the solid waste and recycling industry. We work directly with 20+ municipalities and 50+ jurisdictions, operate highly regulated facilities in 10+ locations, and have 1,000+ employees. We are seeking an experienced, successful, and engaged Accounts Receivable Analyst I to join our team. This position is expected to work out of our office at 2540 N 1st St, San Jose, CA and limited job-related travel may be required. Position Summary: GreenWaste is seeking an Accounts Receivable Analyst I to support financial operations across one or more facilities. This role is responsible for ensuring accurate recording, processing, and reconciliation of customer-related financial transactions. Key duties include managing billing processes, generating and reviewing invoices, resolving billing discrepancies, and supporting collection efforts. The ideal candidate will maintain a high level of accuracy and timeliness in customer account management while collaborating closely with internal teams to ensure smooth financial operations. Essential Functions and Responsibilities: Prepare and issue customer invoices. Ensure invoices are accurate and comply with contractual agreements. Record incoming payments via cash, checks, credit cards, lockbox, and ACH deposits. Apply payments accurately to customer accounts. Process refunds through checks or credit cards as needed. Update and manage customer records and contact information. Communicate professionally with clients regarding billing inquiries and payment issues. Reconcile discrepancies between payments received and invoiced amounts. Investigate and resolve disputes or inconsistencies in customer accounts. Collaborate with sales and customer service teams to address payment concerns. Generate aging reports to monitor outstanding balances by aging categories (e.g., 30, 60, 90+ days) Analyze payment trends and provide performance insights to management. Track and report key AR metrics such as Days Sales Outstanding (DSO), collection effectiveness, and bad debt ratios. Initiate collection efforts through phone calls, emails, and written correspondence. Recommend accounts for escalation, payment plans, or write-offs as appropriate. Maintain proper documentation for audits and compliance. Provide documentation and clarification for internal and external audits related to receivables. Utilize accounting software and ERP systems to manage receivables. Participate in month-end close activities, including journal entries and account reconciliations. Reconcile AR transactions with bank statements and internal ledgers. Post adjusting entries to correct valid or invalid transactions. Flexibility to take on ad-hoc projects and perform as back-up in other areas of the accounting department as needed. Knowledge, Skills, and Abilities: Solid understanding of general accounting principles, practices, terminology, and procedures. Intermediate computer skills with strong proficiency in Microsoft Excel. Familiarity with accounting and ERP systems; experience with Tower/AMCS and Microsoft Business Central preferred. Proven ability to identify and resolve issues efficiently, with appropriate escalation when necessary. Effective verbal and written communication skills for professional interactions with internal teams and external clients. Strong collaboration and relationship-building abilities across departments and with customers. Qualifications: 2-5 years of accounting experience Bachelor's degree in accounting, Finance, or a related field - or equivalent professional experience in lieu of a degree Proficient in advanced Excel functions, including PivotTables and XLOOKUP Language Skill: Proficiency in English Physical Demands: Requires the ability to handle material weighing up to 25 lbs. or more upon request. Work Environment: The available Accounts Receivable Analyst I position is a full-time non-exempt position. The typical work week is Monday - Friday from 8am-5pm. The position is on-site five days per week. This position may include driving to other facilities, and employees will be provided with access to a shared pool vehicle or reimbursed according to federal standards for mileage. Compensation and Benefits Financial compensation will be commensurate with applicable experience. GreenWaste offers a competitive benefits package, including paid time off, holiday pay, 401K benefits, FSA, and full employee coverage for medical, dental and vision insurance. GreenWaste provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, and/or local laws.

The Accounts Receivable Analyst must possess the knowledge, skills, and ability to manage a varied accounts receivable portfolio. Responsibilities include collecting customer outstanding receivable balances by enforcing terms of sale; timely analysis and making decisions for resolution of over/short payments and deductions/claims; reviewing and taking action on orders on hold; responding to internal and external customer inquiries; creating reports and analysis; assessing and changing procedures to incorporate new requirements and improve efficiency; and handling other tasks and special projects as needed. The AR Analyst must be self-reliant and make independent decisions while exercising good judgment. This position interacts with all levels of management internally and externally to minimize risk and improve profitability and the collections cycle. They serve as the main point of contact in identifying and resolving issues that impact receivables. Responsibilities: Actively participate in driving results to meet individual, team, and department objectives Focus on ongoing process improvement, making recommendations, and participating in or leading implementations to improve department efficiency Establish and maintain strong working relationships with customers and other functional groups at all levels, including executive decision-makers Keep management informed of unusual or non-standard issues and escalate when appropriate Provide coverage during hours of responsibility for internal and external customers Perform other tasks/projects as needed Independently plan, analyze, and carry out collection of past-due accounts Conduct timely research, analysis, and decision-making for resolution of deductions and disputed items, short/over-payments Reconcile accounts in a timely manner; analyze transactions and initiate credits and adjustments to accounts, as well as accurately apply corresponding credits and debits Identify and resolve order-to-cash root cause issues that impede invoicing, collections, and deduction resolution, including initiating and driving cross-functional resolutions Review orders on credit hold and take appropriate action to ensure delivery dates are met Initiate and maintain complete, accurate, and updated records of contacts, collection activities, and account reconciliations Perform financial risk analysis to update credit limits within the level of authority and/or make recommendations to management Requirements: BA/BS in a related discipline highly preferred or equivalent experience Minimum 3-5 years of high-volume collection and deductions experience (preferably trade spend); food industry experience highly desirable Exceptional Microsoft Office skills required, including pivot tables, V-Lookups, formula building, and sorting data SAP experience highly desired Positive attitude and strong work ethic Demonstrated ability to work in a highly ambiguous environment Attention to detail without losing focus on the "big picture" Excellent problem-solving and negotiation skills required Proven ability to manage complex portfolios Strong business writing and communication skills with the ability to effectively articulate discussions, proposals, and negotiations persuasively Highly motivated self-starter who can work well independently and in a team environment Must have a flexible schedule and be willing to put in extra time as needed to meet objectives Benefits Designed with You in Mind Health & Wellness: Medical, dental, and vision coverage Company-paid life insurance Optional voluntary benefits Work-Life Balance: Paid parental leave Paid time off and holidays Financial Security: Competitive 401(k) plan with a 100% vested company match Short-term and long-term disability coverage Continuous Growth: Tuition reimbursement program Flexible Spending: HSA and FSA options Performance-Based Rewards: Performance-driven incentive programs tailored to your role: Short-Term Incentive Plan (STIP): Recognizing individual and team achievements Sales Incentive Plan (SIP): Rewarding excellence in sales performance Bakery Incentive Plan (BIP): Focused on achieving bakery-specific performance goals This company is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, status as a protected veteran, or status as a qualified individual with a disability, or any other protected class under federal, state, or local law. Working Place: Newark, California, United States Company : Feb 20 2025 Virtual Fair Aspire Bakery

AP/AR Analyst About the Role The AP/AR Analyst is responsible for managing the company's daily accounts payable and accounts receivable activities. This role ensures accurate, timely processing of invoices, payments, customer billing, and collections. It supports healthy cash flow, strong vendor and customer relationships, and reliable financial reporting. This position works closely with Finance, Sales, Operations, and external partners to maintain clean, organized financial records and resolve issues quickly. Key Responsibilities Accounts Payable (AP) Process vendor invoices, ensuring three-way match accuracy (PO, receipt, invoice). Prepare and schedule vendor payments (ACH, checks, wires). Reconcile vendor statements and resolve discrepancies. Maintain vendor records and monitor credit terms. Support month-end accruals and expense coding. Accounts Receivable (AR) Generate and send customer invoices accurately and on schedule. Apply customer payments and reconcile payment activity. Monitor AR aging and follow up on past-due accounts. Investigate and resolve billing issues with Sales and Customer Service. Maintain clean customer credit files and assist in credit reviews. General & Cross-Functional Assist with month-end close, reconciliations, and reporting. Support audits by preparing documentation and schedules. Recommend process improvements to streamline AP/AR workflows. Maintain organized digital and physical financial records. Qualifications 2-4 years of AP/AR or general accounting experience. Understanding of GAAP and basic accounting principles. Experience with ERP/accounting systems. Strong Excel skills. Excellent attention to detail and accuracy. Clear, professional communication. Ability to prioritize and manage deadlines. Preferred Manufacturing or industrial environment experience. Experience with inventory-related transactions. Familiarity with collections best practices. Success Looks Like Invoices processed accurately and on time. Clean, current AP/AR aging reports. Issues resolved quickly. Strong communication. Reliable support for monthly close and audits.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Credit Officer in the Credit Risk team, you will be conducting the essential credit analysis, performing due diligence, and reviewing documentation for new commercial real estate transactions with an emphasis on multifamily lending. 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 Implement all facets of credit analysis on commercial real estate/multifamily loans. Identify issues/concerns, evaluate results, and formulate effective recommendations in a timely manner. 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. 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 2+ years of experience in commercial real estate lending or 3+ years in other banking/finance experience. Good understanding of multifamily real estate property valuations and cash flow analysis. Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. Excellent verbal/written communication and problem-solving skills. Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed. 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. Experience with proprietary credit risk management tools. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Credit Officer in the Credit Risk team, you will be conducting the essential credit analysis, performing due diligence, and reviewing documentation for new commercial real estate transactions with an emphasis on multifamily lending. 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** + Implement all facets of credit analysis on commercial real estate/multifamily loans. + Identify issues/concerns, evaluate results, and formulate effective recommendations in a timely manner. + 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. + 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 2+ years of experience in commercial real estate lending or 3+ years in other banking/finance experience. + Good understanding of multifamily real estate property valuations and cash flow analysis. + Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. + Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. + Excellent verbal/written communication and problem-solving skills. + Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed. + 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. + Experience with proprietary credit risk management tools. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries. JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans **Base Pay/Salary** San Francisco,CA $85,500.00 - $120,000.00 / year

Atlanta, Georgia;Denver, Colorado; San Francisco, California **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (*********************************************************************************************** **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Job Description:** This job is responsible for managing a national portfolio of Global Commercial Banking (GCB) FinTech relationships, working directly with clients and prospects to provide financing solutions for multinational FinTech companies in the payments and financial software verticals. Key responsibilities include originating and structuring loans, negotiating terms and conditions, leading the credit process from pitch through underwriting, approval, booking and closing, with a focus on growing loans and credit revenue and managing asset quality. The Commercial Credit Officer (CO) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients, whether publicly traded or privately held. Products include lines of credit, term loans, and syndicated loans. The CO manages all of the ancillary credit exposure to clients and maintains knowledge of other Bank of America products including investment banking, treasury management and hedging solutions that have credit exposure, and leverages product and industry expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This role reports to the Commercial Credit Manager or Executive and will be aligned to an underwriting team that supports the business. FinTech is a fast-paced work environment with a highly active portfolio and strong deal flow from large cap and middle market companies. Experience with FinTech companies is preferred. **Responsibilities:** + Manages the credit process for a portfolio of clients + Negotiates credit documentation and manages the legal documentation process + Leads the credit and risk approval processes + Builds relationships with existing and prospective clients + Mentors and supports associates + Provides capital structure solutions **Required Qualifications:** + 10+ years of solid Commercial Banking experience + Experience in financial analysis, structuring, underwriting and portfolio management + Analytical/technical skills, including financial accounting, modeling and loan structuring + Strong communication skills; ability to communicate vertically, horizontally, and externally + Strong FinTech industry knowledge **Skills:** + Client Solutions Advisory + Financial Analysis + Loan Structuring + Risk Management + Underwriting + Account Management + Credit Documentation Requirements + Credit and Risk Assessment + Decision Making + Issue Management + Analytical Thinking + Coaching + Collaboration + Critical Thinking + Customer and Client Focus **Minimum Education Requirement:** BA/BS Degree Desired **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

Title: Accounts Receivable Analyst I FLSA Status: Non-Exempt Reports To: Accounts Receivable Supervisor Department: Corporate Pay: $30-$33/hr. About the Company: GreenWaste has been an industry leader in recycling and waste diversion for more than 35 years and is on a growth trajectory after private equity investment in 2021. Our business was founded on principles of environmental sustainability, and innovation is a cornerstone of our ongoing operations and growth strategy. GreenWaste specializes in all aspects of material collection, processing, and sales, tailoring our service offerings to the unique needs of our customers and communities, and helping to shape the evolution of the solid waste and recycling industry. We work directly with 20+ municipalities and 50+ jurisdictions, operate highly regulated facilities in 10+ locations, and have 1,000+ employees. We are seeking an experienced, successful, and engaged Accounts Receivable Analyst I to join our team. This position is expected to work out of our office at 2540 N 1st St, San Jose, CA and limited job-related travel may be required. Position Summary: GreenWaste is seeking an Accounts Receivable Analyst I to support financial operations across one or more facilities. This role is responsible for ensuring accurate recording, processing, and reconciliation of customer-related financial transactions. Key duties include managing billing processes, generating and reviewing invoices, resolving billing discrepancies, and supporting collection efforts. The ideal candidate will maintain a high level of accuracy and timeliness in customer account management while collaborating closely with internal teams to ensure smooth financial operations. Essential Functions and Responsibilities: Prepare and issue customer invoices. Ensure invoices are accurate and comply with contractual agreements. Record incoming payments via cash, checks, credit cards, lockbox, and ACH deposits. Apply payments accurately to customer accounts. Process refunds through checks or credit cards as needed. Update and manage customer records and contact information. Communicate professionally with clients regarding billing inquiries and payment issues. Reconcile discrepancies between payments received and invoiced amounts. Investigate and resolve disputes or inconsistencies in customer accounts. Collaborate with sales and customer service teams to address payment concerns. Generate aging reports to monitor outstanding balances by aging categories (e.g., 30, 60, 90+ days) Analyze payment trends and provide performance insights to management. Track and report key AR metrics such as Days Sales Outstanding (DSO), collection effectiveness, and bad debt ratios. Initiate collection efforts through phone calls, emails, and written correspondence. Recommend accounts for escalation, payment plans, or write-offs as appropriate. Maintain proper documentation for audits and compliance. Provide documentation and clarification for internal and external audits related to receivables. Utilize accounting software and ERP systems to manage receivables. Participate in month-end close activities, including journal entries and account reconciliations. Reconcile AR transactions with bank statements and internal ledgers. Post adjusting entries to correct valid or invalid transactions. Flexibility to take on ad-hoc projects and perform as back-up in other areas of the accounting department as needed. Knowledge, Skills, and Abilities: Solid understanding of general accounting principles, practices, terminology, and procedures. Intermediate computer skills with strong proficiency in Microsoft Excel. Familiarity with accounting and ERP systems; experience with Tower/AMCS and Microsoft Business Central preferred. Proven ability to identify and resolve issues efficiently, with appropriate escalation when necessary. Effective verbal and written communication skills for professional interactions with internal teams and external clients. Strong collaboration and relationship-building abilities across departments and with customers. Qualifications: 2-5 years of accounting experience Bachelor's degree in accounting, Finance, or a related field - or equivalent professional experience in lieu of a degree Proficient in advanced Excel functions, including PivotTables and XLOOKUP Language Skill: Proficiency in English Physical Demands: Requires the ability to handle material weighing up to 25 lbs. or more upon request. Work Environment: The available Accounts Receivable Analyst I position is a full-time non-exempt position. The typical work week is Monday - Friday from 8am-5pm. The position is on-site five days per week. This position may include driving to other facilities, and employees will be provided with access to a shared pool vehicle or reimbursed according to federal standards for mileage. Compensation and Benefits Financial compensation will be commensurate with applicable experience. GreenWaste offers a competitive benefits package, including paid time off, holiday pay, 401K benefits, FSA, and full employee coverage for medical, dental and vision insurance. GreenWaste provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, and/or local laws.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Credit Officer in the Credit Risk team, you will be conducting the essential credit analysis, performing due diligence, and reviewing documentation for new commercial real estate transactions with an emphasis on multifamily lending. 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 Implement all facets of credit analysis on commercial real estate/multifamily loans. Identify issues/concerns, evaluate results, and formulate effective recommendations in a timely manner. 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. 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 2+ years of experience in commercial real estate lending or 3+ years in other banking/finance experience. Good understanding of multifamily real estate property valuations and cash flow analysis. Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. Excellent verbal/written communication and problem-solving skills. Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed. 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. Experience with proprietary credit risk management tools. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries. JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans Base Pay/Salary San Francisco,CA $85,500.00 - $120,000.00 / year