Credit analyst jobs in Rhode Island - 28 jobs

Citizens is currently recruiting a Commercial Senior Credit Officer to support its Asset Finance line of business. This role is a highly visible leadership role requiring line of business expertise, excellent credit skills, and strong decision making and interpersonal skills. The Senior Credit Officer will be responsible for evaluating, analyzing, and approving credit proposals relating to equipment financing transactions. This role requires a deep understanding of credit risk principles, financial analysis, asset valuation and specific knowledge of the leasing and equipment finance industries. The successful candidate will work closely with sales, portfolio management and legal teams to ensure credit quality and regulatory compliance, while supporting business objectives. Responsibilities * Serve as the primary credit approver for complex and high-exposure leasing transactions across multiple industries. Evaluate and act on credit opportunities-including new originations, renewals, and modifications-by approving, declining, or escalating recommendations to the appropriate higher authority. * Provide independent credit risk assessment and decision-making in alignment with the bank's risk appetite and regulatory expectations. * Partner with front-line business units to structure transactions that balance client needs with prudent risk management. Objectively identify risk and proactively partner with coverage, product and portfolio teams in the areas of customer selection and creation of protective, balanced credit structures with a focus on maintaining portfolio quality and protecting the Bank's balance sheet. * Oversee portfolio monitoring, including risk rating accuracy, concentration risk, and early identification of problem credits. Communicate with executive risk management and loan workout specialists to effect restructure of problem credits and minimize losses. * Lead or contribute to credit policy development, underwriting guidelines, and risk-adjusted return frameworks specific to leasing. * Engage in client facing due diligence and assist business partners with originating and onboarding new credit relationships. * Ensure all credit delivery activities have been completed in a timely, efficient and prudent manner while facilitating an environment for the efficient delivery to customers of products and services that require credit exposure. * Provide leadership in conjunction with first line business partners in establishing credit culture, risk appetite, and business strategy. Experience and Skills * 10 years of combined experience in underwriting and credit risk approval. Significant experience in leasing/equipment finance operating in a large, complex bank environment is preferred * Extensive experience with non-investment grade credit analysis, underwriting and portfolio management * Significant experience in underwriting cash flow and enterprise value dependent transactions is highly preferred * Experience partnering with multiple commercial banking product areas to responsibly allocate capital across a credit relationship. * Strong administrative and reporting skills * Proven communication, interpersonal and negotiation skills. * Demonstrated ability to exercise sound judgment and act independently in a dynamic environment. * Demonstrated ability to balance risk and return, promoting responsible expansion of credit relationships while leading stewardship of the Bank's balance sheet. Education * Bachelor's degree in finance, economics, accounting, or a related quantitative field required. Hours & Work Schedule * Hours per Week: 40 * Work Schedule: Monday to Friday core business hours Pay Transparency The salary range for this position is $225,000- $275,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit *************************************** Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. Benefits We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. View Benefits Awards We've Received Age-Friendly Institute's Certified Age-Friend Employer The Banker's US Bank of the Year Dave Thomas Foundation's Best Adoption-Friendly Workplace Disability:IN Best Places to Work for Disability Inclusion Human Rights Campaign Corporate Equality Index 100 Award

Job Description Credit Analyst Annual Salary Range $55k - $68k , Base salary plus bonus. LendSure Mortgage Corp is looking for a Credit Analyst to work out of our Warwick RI Office. This job is 100% on site. LendSure Mortgage Corp. is a fast-growing Wholesale Lender offering Non-QM loan solutions. LendSure helps mortgage originators grow their business by offering loan solutions to borrowers who do not fall into conforming guidelines. At LendSure Mortgage Corp., we have created an environment where high-energy professionals can learn, excel, grow, and feel great about their contributions to our success. LendSure is committed to attracting and retaining top talent throughout the United States and offers a competitive salary, benefits, and opportunities to grow within the company. Position Summary: The Credit Analyst is responsible for reviewing mortgage pre-qualification submissions on incoming applicants. Completing within internal processes and policies, as well as reviewing and verifying supporting documentation as submitted by Mortgage Brokers. Duties include: Review and analyze documentation provided on each loan for pre-qualification, ensuring meets LendSure guidance. Prep and submit files for initial disclosures Review documentation, prep, and submit files for initial Underwriting approval. Ability to review and complete complex tax return analysis. Ability to perform duties under minimal supervision and actively engage with the supervisor to resolve complicated issues Ability to review and clear high-level conditions within the authority. Ability to communicate effectively in both verbal and written form Must be a detail-oriented team player able to work constructively with fellow employees. partnering with underwriting team, doc and funding department, Quality Control and Senior Management Strong time management skills to plan and organize a high daily loan volume Understanding of Account Manager role and provide support as needed. Qualifications: 2 years underwriting experience, Non-QM preferred. 3 years processing experience preferred. Rendering credit decisions on incoming applicants that are consistent with internal policies, underwriting mortgage commitments, and verifying supporting documentation as submitted by a mortgage broker. Strong knowledge of underwriting terminology. Strong attention to detail and accuracy. Strong written and verbal communication skills with the ability to talk with brokers and Loan Officers. In-depth knowledge of the real estate industry and current trends. Understanding how to read guidelines. Working knowledge of Encompass Loan Origination System preferred This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

The Senior Credit Analyst's primary responsibility is to analyze and interpret financial statements and related information of commercial loan customers and prospects for the purpose of preparing credit approval memorandums. During the underwriting process, the Senior Analyst will determine creditworthiness by evaluating risks and report salient facts in collaboration with the Loan Officer to establish credit granting criteria. This will culminate in the preparation of a credit approval memorandum that outlines the request for the extension of credit which is then forwarded to the necessary approval authorities. The position will be remote, with in-person attendance, as required. Responsibilities RESPONSIBILITIES: Performs any functions necessary, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers. A solid understanding of commercial lending and credit underwriting principles to help ensure the highest loan quality to the Bank. A thorough, in-depth analysis of all aspects of commercial credit loan requests, including new loans, material loan modifications, credit change requests, renewals and annual relationship reviews. Spread, analyze and interpret financial statement information belonging to existing and prospective clients. Prepare financial analysis on businesses and guarantors to include cash flow; balance sheet, sensitivity, property and market analyses and ratio analysis, such as working capital adequacy, leverage positions, collateral coverage using WORD, Excel and nCino. Complete due diligence to include review of credit bureau reports; industry data; appraisal reports and environmental research reports. Form conclusions and communicate to management. Accurately identify loan policy exceptions as well as red flags during the underwriting process. Assign risk ratings as appropriate. Prepare credit approval memorandum in nCino for approval by appropriate authorities. Take responsibility for ensuring collaborative and effective team work to deliver results. Provide guidance and direction to junior underwriters and analysts. Communicates with others in a consistent and effective manner in order to build business and customer relations that support the organization's mission and vision. Performs other duties, as assigned. Qualifications REQUIRED QUALIFICATIONS: Either bachelor/master's degree, formal credit training or a minimum of five years of bank commercial loan analysis experience with both CRE and C & I loan. Strong analytical and interpretive skills. Good communication, organizational and interpersonal skills. Strong written communication skills to properly complete credit approval memorandums. Detailed knowledge of banking laws, rules and regulations required. Must be a detailed oriented person, able to multitask with an emphasis on deadlines. Physical Requirements Any physical demands or work conditions described below are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable Accommodation may be made to enable individuals with disabilities to perform the essential functions. Employees need to have the ability to: Travel independently to the position's primary work location, other bank properties and work-related activities or events at locations outside the Bank. Effectively communicate and exchange accurate information and ideas so others will understand. Independently 0perate a computer and other office machinery, such as a calculator, copy machine, printer and software programs related to the position needed to complete the primary functions. Sit or stand at a workspace and use a computer or other equipment for prolonged periods of time. Meet the hybrid work schedule requirements for physically working in the office during normal business hours on Mondays and Wednesdays and another day of choice to effectively meet business needs. Move office items weighing up to 35 pounds. Work in an environment with low to moderate noise levels. SUPERVISORY SCOPE: No supervisory responsibility BANKNEWPORT CORE VALUES We celebrate individuality We empower employees to be creative problem solvers We invest and take the time to really get to know our customers We commit to serving the financial needs of Rhode Islander's BankNewport is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of race, color, religion, creed, national origin or ancestry, sex, age, physical or mental disability, veteran or military status, genetic information, sexual orientation, gender identity or expression, pregnancy, childbirth or related medical conditions, military service, marital status, or any other legally recognized protected basis under federal, state or local laws, regulations or ordinances.

Spokane, Washington residents: If a street address is not available, enter N/A when completing a job application. At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One. **Job Description** The successful candidate should have prior experience in originating or monitoring a commercial loan portfolio consisting of borrowers in healthcare related industries - including spreading, financial analysis, etc. Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit. Prior to making the credit decision or advising the person(s) making the final credit decision, the Credit Analyst conducts a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers. Reviews customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company. May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio. The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered. This active posting is for a Healthcare Credit Analyst role: Healthcare Credit Analyst 4, Healthcare Credit Analyst 5, Healthcare Credit Analyst 6. Below are the basic qualifications and preferred experience for each level of role. Your level of experience will be reviewed and matched to the appropriate job level when you apply to this posting. **Healthcare Credit Analyst 4** **Basic Qualifications** - Bachelor's degree, or equivalent underwriting experience - Typically one or more years of underwriting experience **Preferred Skills/Experience** - Underwriting experience focused on credit analysis and analytical skills working with complex healthcare credits - Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis - Background in economics, accounting, and/or finance - Excellent verbal and written communication skills - Proficient computer navigation skills using a variety of software packages including EXCEL and nCino **Healthcare Credit Analyst 5** **Basic Qualifications** - Bachelor's degree, or equivalent underwriting experience - Typically three or more years of underwriting experience **Preferred Skills/Experience** - Strong underwriting, credit analysis and analytical skills working with complex healthcare credits - In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis - Background in economics, accounting, and/or finance - Strong verbal and written communication skills - Proficient computer navigation skills using a variety of software packages - including nCino - Advanced background in MS Office suite of products and skillset with MS Excel **Healthcare Credit Analyst 6** **Basic Qualifications** - Bachelor's degree, or equivalent underwriting experience - Typically five or more years of underwriting experience **Preferred Skills/Experience** - Three or more years of advanced underwriting credit analysis and analytical skills working specifically with complex healthcare credits - In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis - Background in economics, accounting, and/or finance - Strong verbal and written communication skills - Proficient computer navigation skills using a variety of software packages - including nCino and Credit Lens - Advanced background in MS Office suite of products and skillset with MS Excel This role is posted remote; however, candidates who are located near any one of our locations would be required to work on site at least three days per week. If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (****************************************************************************** . **Benefits:** Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following: + Healthcare (medical, dental, vision) + Basic term and optional term life insurance + Short-term and long-term disability + Pregnancy disability and parental leave + 401(k) and employer-funded retirement plan + Paid vacation (from two to five weeks depending on salary grade and tenure) + Up to 11 paid holiday opportunities + Adoption assistance + Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law Review our full benefits available by employment status here (************************************************* . U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. **E-Verify** U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (********************************************************************** . The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $86,360.00 - $101,600.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. **Posting may be closed earlier due to high volume of applicants.**

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, monitoring, and documenting credit risk for a portfolio of clients. Key responsibilities include monitoring changes in credit profiles, compliance with credit agreements as well as structuring and underwriting new financing solutions across the Global Banking and Markets product spectrum. Job expectations may include assessing risk solutions which adhere to the bank's risk appetite and risk strategies and coaching and leading team members. In Dealer Financial Svs, assigned as a market or industry level resource, the Credit Officer II is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions. The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing. Involvement with monitoring activities/approvals is also part of the responsibilities. The Credit Officer II maintains knowledge of other BofAML products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. The role is balanced between analysis of clients and prospects and their industries, design and execution of credit solutions, and the active management of asset quality. Client facing, the Credit Officer II collaborates with the Relationship Manager (RM), Treasury Solutions Officer (TSO), and other product partners, when needed, to assess client needs, design integrated solutions and deliver the bank to clients and prospects. Responsibilities: * Oversees and assesses the credit worthiness of borrowers based on due diligence findings, financial statement analysis, forecasting, analysis of company and industry risks, terms and conditions, and relationship profitability to provide high quality credit approval to Corporate Banking, Investment Banking, Global Markets, and Treasury * Exercises Delegated Approval Authority using sound judgment and expertise to make approval decisions for the business including new lending limits, structuring and negotiating deal terms, credit worthiness, annual reviews and renewals, risk ratings, and breach actions * Acts as a senior coverage team resource supporting ongoing credit matters and asset quality, maintaining adherence to the bank's risk appetite and risk strategies to mitigate losses while identifying opportunities to responsibly growing the loan portfolio * Leads new credit originations in coordination and collaboration with the coverage teams including Relationship Managers, Risk, Syndications, Treasury, and all other product partners * Negotiates and structures legal documentation related to loans and derivatives * Establishes appropriate internal risk ratings for clients and implements accurate adjustments throughout the client's credit life cycle * Trains, coaches, and mentors Credit Analysts and Associates * Serves as a key member of the Commercial Client Team in handling the clients financial needs, ensuring that the overall client experience is favorable, and that the bank is in a position to expand the relationship. Interacts with clients and prospects to understand their financial goals and objectives, current and future financial performance, and their needs and desires for their banking relationship * Working closely with the client team, the role of the Credit Officer in the credit process is the guidance and oversight of underwriting, structuring, and documentation of credit requests on an assigned portfolio * Includes an evaluation of the financial standing of the client or prospect and the appropriateness of the existing or proposed credit structure, and suggestion of any changes to help optimize the relationship * Underwrite and structure complex credit transactions with minimal oversight * Some travel time with face-to-face interaction with our dealer clients * Involved in the negotiation and closing process for transactions in portfolio * Oversees the monitoring of their assigned portfolio to maintain credit quality, and to ensure timely recognition and management of any changes via the use of the bank's proprietary risk rating tool, and the review of various compliance, exception and past due reports Required Qualifications: * Minimum of 7 years commercial credit underwriting an analysis with a commercial bank or OEM captive finance organization. * Strong knowledge and comprehension of loan and collateral documentation * Ability to accurately analyze borrower's financial picture and deliver a comprehensive risk analysis to manager and risk officers * Confidence and ability to develop an independent viewpoint and present a business case to support conclusions * Excellent relationship management skills, experience working in a team environment, ability to help influence constituencies with diverse views towards consensus * Coaching and mentoring skills * Strong Microsoft Office Skills Desired Qualifications: * Minimum of 10 years commercial credit underwriting and analysis with a commercial bank or OEM captive finance organization in the auto retail space. Direct customer-facing experience in a goal-oriented environment. * Bachelor's degree in Finance or Accounting Skills: * Analytical Thinking * Credit and Risk Assessment * Financial Analysis * Loan Structuring * Underwriting * Attention to Detail * Business Acumen * Financial Forecasting and Modeling * Research Analysis * Written Communications * Business Development * Collaboration * Critical Thinking * Portfolio Analysis * Stakeholder Management Shift: 1st shift (United States of America) Hours Per Week: 40

Requirements Bachelor's degree from a four-year college or university in a business-related field, or equivalent work experience is required. Additional education, certifications, or other distinctions are a plus Formal commercial credit training is preferred. Five (5) or more years of commercial credit analysis experience. Strong analytical and quantitative skills. Proven ability to gather and analyze data and information, draw logical conclusions, and make appropriate recommendations. Proven problem-solving ability Strong organizational, time management and prioritization skills with attention to detail Excellent verbal, written, and interpersonal communication skills with strong presentation skills Team player able to work effectively in a team-fostered, multi-tasking environment Preferred Qualifications: 5 - 10 years related experience.

Established in 1991, Collabera is one of the fastest growing end-to-end information technology services and solutions companies globally. As a half a billion dollar IT company, Collabera's client-centric business model, commitment to service excellence and Global Delivery Model enables its global 2000 and leading mid-market clients to deliver successfully in an increasingly competitive marketplace. With over 8200 IT professionals globally, Collabera provides value-added onsite, offsite and offshore technology services and solutions to premier corporations. Over the past few years, Collabera has been awarded numerous accolades and Industry recognitions including. • Collabera awarded Best Staffing Company to work for in 2012 by SIA. (hyperlink here) • Collabera listed in GS 100 - recognized for excellence and maturity • Collabera named among the Top 500 Diversity Owned Businesses • Collabera listed in GS 100 & ranked among top 10 service providers • Collabera was ranked: • 32 in the Top 100 Large Businesses in the U.S • 18 in Top 500 Diversity Owned Businesses in the U.S • 3 in the Top 100 Diversity Owned Businesses in New Jersey • 3 in the Top 100 Privately-held Businesses in New Jersey • 66th on FinTech 100 • 35th among top private companies in New Jersey *********************************************** Collabera recognizes true potential of human capital and provides people the right opportunities for growth and professional excellence. Collabera offers a full range of benefits to its employees including paid vacations, holidays, personal days, Medical, Dental and Vision insurance, 401K retirement savings plan, Life Insurance, Disability Insurance. Job Description In need of a Credit Analysts having wholesale/commercial collections is key, but willing to consider candidates with Consumer Collections experience. We are NOT in need of Accounts Payable Specialist, nor Accountants, but someone who has worked with Collections dealing with products. This is not someone who has worked in banking, insurance, or the medical industry but someone who can work with customers/clients dealing with collections on products. RESPONSIBILITIES • Will be completing collections calls • Deduction resolution • Interfacing with customers • Interfacing with Sales and Customer Service • Portfolio Management • Interfacing with Cash Application Team in Mexico • Completing Reconciliations • Will utilize Excel to create statements and files from SAP • Excel is a MUST and SAP is highly preferred • Looking for someone having 3-5 years experience. • Needed ASAP Qualifications “HIGH SCHOOL DIPLOMA/GED REQUIRED. MUST BE VERIFIED THROUGH THE INSTITUTION OR A COPY OF THE CERTIFICATE MUST BE ON FILE” Additional Information All your information will be kept confidential according to EEO guidelines.

We are adding a Credit and Collections Analyst to our Team! located at 71 Maple St Mansfield, MA 02048. Come work with us! The ideal candidate will complete activities within the Credit and Collections department across assigned locations, including implementation of company's policies and procedures related to credit and collection activities; ensures effective handling of collection of delinquent accounts and investigating the credit risks of customers and suppliers. Responsible for the implementation and adherence to company credit/collection policies, practices and procedures across one or multiple geographic areas. Recommends and/or approves decisions regarding adjustments to customer accounts, and referral of overdue accounts for legal action. Coordinates area collection decisions with management teams and sales departments. Manages delinquent customer receivables, negotiates special customer payment plans and participates in development of financial packages. Monitors credit activity including monthly review of large accounts, location compliance with credit policies and procedures, lien laws and sales tax laws. Works closely with Credit Management and field leadership to resolve difficult collection cases. Bachelor's degree in Accounting, Finance or a related field and at least two (2) years credit collections experience; or equivalent combination of education and experience.

**Come join our amazing team.** The Quantitative Mortgage Analytics Analyst will be responsible for helping to reshape and elevate the company's residential mortgage lending data analysis including marketing and customer engagement to pricing analytics, P&L, and market-trend insights, while modernizing the company's analytics toolkit. Leverage and bridge the company's investor-grade analytics platform with our lending affiliate: adapting Carrington Capital Management's proprietary models and tools for lending use cases, integrating lending performance back into the company's ecosystem, and driving actionable insights for capital-markets and investor initiatives. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, where in the company operates. The target pay for this position is $80,000 - $150,000 + Annual Bonus. Pay is based on job-related knowledge, skills, experience, and other relevant factors. **What you'll do:** + **End-to-end data ownership:** Clean, reorganize, and harmonize loan-origination, servicing, marketing, and customer datasets to extract actionable signals and performance metrics. + **Tool & model adaptation:** Write wrappers and interfaces to deploy CCM's existing pricing, prepayment, and credit-risk models within the lending platform. + **Analytics integration:** Feed lending performance and P&L results back into CCM's analytics ecosystem to close the loop and inform investor reporting. + **Reporting & dashboards:** Develop and maintain self-service dashboards and reports to track key lending metrics - recapture rates, marketing ROI, pricing variance, P&L attribution, and market trends. + **Performance reporting:** Prepare, present, and explain performance reports to senior lending management; gather and analyze feedback from loan officers to refine analytics and strategies. + **Strategic partnerships:** Collaborate with pricing, portfolio, investor-relations, and capital-markets teams to translate analytics into lending strategies and execute investor-driven initiatives. + **Ecosystem modernization:** Automate data pipelines, standardize definitions across CCM and lending systems, and deploy scalable analytics tools. + **Cross-functional liaison:** Work with IT, CRM, operations, and third-party vendors to ensure data quality and timely delivery of insights. + **Ad-hoc analysis:** Respond rapidly to one-off requests from senior management, investors, and affiliated divisions. + Perform other duties and projects as assigned. **What you'll need:** + Bachelor's or advanced degree in a quantitative field (e.g., Mathematics, Statistics, Computer Science, Engineering, Finance). + A minimum of one year of hands-on experience in mortgage-lending analytics, capital-markets analytics, or a related role; exceptional analysts with strong programming skills will also be considered. + Strong Python and SQL skills for data extraction, transformation, and analysis; familiarity with machine-learning techniques is highly desirable. + Proven ability to adapt and deploy proprietary quantitative models-experience writing wrappers or APIs to integrate analytics pipelines. + Demonstrated aptitude for working with and organizing unstructured or messy marketing/customer data: data-cleaning, ETL, and signal-extraction expertise required. + Experience building self-service dashboards or reporting tools (e.g., Tableau or similar). + Solid working knowledge of loan-origination and servicing workflows, including mechanisms for recapturing existing customers. + Excellent communication skills: able to translate complex analytics into clear, actionable insights for non-technical stakeholders. + Highly organized, self-motivated, and adept at juggling multiple high-priority projects in a fast-paced environment + Excellent skills in mathematics and statistics. + Hands-on experience using Python and various statistical packages to process and analyze large data sets. + Ability to apply popular machine learning techniques with reasonable understanding of their underlying algorithms. + Strong SQL and Python skills for data extraction and analysis. + Experience with Linux environments is preferred. + Highly motivated, team-oriented, a quick learner with good communication skills. + Strong organizational skills and time management skills to perform multiple tasks within limited time frames. + Prefer to work near our office in Greenwich, CT! **Our Company:** Carrington Capital Management, LLC (CCM) is an alternative asset management firm focused on control-based investing in the U.S. real estate, mortgage and fixed income markets. Through the mortgage loan servicing and property management operating affiliates, CCM is uniquely positioned to offer investment products that benefit from the operational resources and knowledge capital that flow across the Carrington platform. We provide investment strategies where our portfolio management team maintains an identifiable competitive advantage created by the firms' resources, market expertise and local property market penetration. We hope you'll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: carringtoncap.com . **What We Offer:** + Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. + Access to several fitness, restaurant, retail (and more!) discounts through our employee portal. + Customized training programs to help you advance your career. + Employee referral bonuses so you'll get paid to help Carrington and Vylla grow. + Educational Reimbursement. + Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs it supports through specific fundraising efforts, please visit: carringtoncf.org. **\# LI-GV1** Carrington is an equal opportunity employer. It is the policy of the company that applicants be considered for positions for which they qualify without regard to race, color, religion, sex, gender identity, national origin, ancestry, age, marital status, sexual orientation, protected veterans status, physical or mental disability or any other legally protected category. Carrington will make reasonable accommodations for known physical or mental limitations of a qualified applicant or employee with a disability unless the accommodation will impose an undue hardship on the company.

Job ID 251332 Posted 13-Jan-2026 Service line PJM Segment Role type Full-time Areas of Interest Building Surveying/Consultancy, Construction, Consulting The purpose of this position is to directly manage asset data collection projects and clients, as well as manage, and lead staff who are responsible for Asset Data Collection and consulting services with direct accountability for project delivery. Please note we are looking for individuals within the Property or Facility Condition Assessment field. Our team members travel up to 75% nationwide in order to technically assess commercial building mechanical, electrical, and plumbing (MEP) systems and deliver Property Condition Assessment, Asset Data Collection, and Energy Assessment services to clients. Our projects revolve around delivering considered data to demanding clients in a timely manner via effective project management which includes self-scheduling, coordinating, executing site visits, progress tracking, and final reporting. The site survey work is delivered via app based tools which not only collect equipment model and serial number, but drills down into ratings of equipment condition, criticality, and categorization into a naming hierarchy. Each team member is expected to manage multiple projects simultaneously (ideally 2-3 at a time) and communicate proactively with leadership. This position will require frequent day and overnight travel - up to 75% and can be remote. **What you will do** + Conducts walk-through surveys (from 8 hours to multiple days) to assess condition of mechanical, electrical and plumbing systems, structure and foundations, interiors, common areas, exterior walls, windows, roofs, and site work improvements. (This may require climbing two-story ladders or going up in a lift, lift operating certification is a plus) + Interviews property owners, occupants, key site personnel and local government officials to obtain information concerning the subject property's condition. + Reviews repair/improvement cost information, certificate(s) of occupancy, maintenance reports and logs, Building and Fire Department inspection reports, and similar information to determine the condition of the building + Documents the condition and physical deficiencies of a property by taking representative and detailed photographs of a properties' site and building systems + Prepares estimated costs to remedy building deficiencies in an immediate time period and capital reserve time period (5 to 50 years) + May act as a subject manager expert in an area of expertise which may include Seismic, ADA, MEP, or other specialties (BOMA, Insurance Replacement, Thermal Scanning, Etc). + Provides formal technical guidance in area of expertise. + Is able to communicate effectively with others to achieve client goals. + Other duties as assigned. **What you must have** 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. + Bachelor's degree (BA/BS) in architecture, engineering, or construction management or equivalent combination of education and experience. + 5-7 years commercial building evaluation or commercial design experience with a general understanding of all building systems: site work, structural, building envelope, and MEP. + 3-5 years building evaluation experience with experience writing Property Condition Assessment / Facility Condition Assessment Reports. + Certification as either a Professional Engineer or Registered Architect strongly preferred. + Microsoft Office Suite Products (Teams, Excel, Word, Power Point, Outlook, etc.) Specific advanced proficiency in Excel is strongly preferred. + Ability to travel up to 75% of the time. **Experience desired** + Registered Architect or Licensed Engineer (US and/or Canada)/ Industry Roofing Certification strongly preferred.Requires knowledge of financial terms and principles. + Ability to calculate intermediate figures such as percentages, discounts, and/or commissions. Conducts basic financial analysis. + Ability to effectively present technical information to non-technical clients.Ability to provide efficient, timely, reliable and courteous service to clients.Strong organizational and analytical skills. + Excellent written and verbal communication skills. Turner & Townsend carefully considers multiple factors to determine compensation, including a candidate's education, training, and experience. The minimum salary for this position is $85,000 annually and the maximum salary for this position is $105,000 annually. The compensation that is offered to a successful candidate will depend on the candidate's skills, qualifications, and experience. Successful candidates will also be eligible for a discretionary bonus based on Turner & Townsend's applicable benefit program. This role will provide the following benefits: 401(K), Dental insurance, Health insurance, Life insurance, and Vision insurance. **Equal Employment Opportunity:** CBRE has a long-standing commitment to providing equal employment opportunity to all qualified applicants regardless of race, color, religion, national origin, sex, sexual orientation, gender identity, pregnancy, age, citizenship, marital status, disability, veteran status, political belief, or any other basis protected by applicable law. **Candidate Accommodations:** CBRE values the differences of all current and prospective employees and recognizes how every employee contributes to our company's success. CBRE provides reasonable accommodations in job application procedures for individuals with disabilities. If you require assistance due to a disability in the application or recruitment process, please submit a request via email at recruitingaccommodations@cbre.com or via telephone at *************** (U.S.) and *************** (Canada). CBRE, Inc. is an Equal Opportunity and Affirmative Action Employer (Women/Minorities/Persons with Disabilities/US Veterans)

At Hasbro, our mission is to entertain and connect generations of fans through the wonder of storytelling and exhilaration of play. We're looking for adventurous and curious people who want to explore, experiment, and innovate to come up with the best ideas. Our culture has inspired our diverse team of highly skilled, highly creative, and highly committed individuals for 100 years and we believe the best is yet to come. Do you have experience in collections, accounts receivable, or similar positions? We are looking for a Collections Analyst to join our Collections team! The Collections Analyst is responsible for managing and analyzing outstanding accounts receivable to ensure timely collection of payments from retailers and to minimize financial risk for the organization. This role involves direct interaction with customers and internal teams, using analytical skills to resolve issues, and maintain accurate records of all collection activities. Effective from the date that Hasbro opens its new Boston location, this position will be onsite Tuesday - Thursday at Hasbro's new HQ location in Boston, MA. In the interim, this position will be onsite Tuesday -Thursday at Hasbro's HQ in Pawtucket, RI or at Hasbro's temporary location in Boston, MA. A day in the life of a Collections Analyst: * Monitor and analyze customer accounts to identify overdue balances and prioritize collection efforts. * Contact customers via phone, email, and written correspondence to follow up on outstanding payments and negotiate payment arrangements. * Investigate and resolve payment discrepancies, disputes, or billing issues in collaboration with sales, customer service, and finance departments. * Prepare and distribute regular aging reports, collection status updates, and ad-hoc analyses to management. * Maintain detailed and accurate records of all collection activities, communications, and payment commitments in the company's systems. * Recommend accounts for escalation, write-off, or legal action as appropriate, following established company policies. * Contribute to operational improvements and effective methods for collections and receivables management. * Support month-end and year-end closing processes related to accounts receivable. What you'll bring: * Bachelor's degree in Finance, Accounting, Business Administration, or related field (or equivalent work experience). * Proficiency in Portuguese (Brazil) is a plus. * 1-3 years of experience in collections, accounts receivable, or a similar analytical role. * Strong analytical, problem-solving, and negotiation skills. * Excellent written and verbal communication skills. * Proficiency with Microsoft Excel and other financial software; experience with SAP or other ERP systems is a plus. * Ability to work independently and as part of a team in a fast-paced environment. * High attention to detail and organizational skills. * Strong customer service orientation. * Experience in collections within a B2B environment is helpful. * Knowledge of relevant regulations and compliance standards. We are an Equal Opportunity / Affirmative Action Employer Hasbro is committed to equality of opportunity in all aspects of employment. We are committed to making all employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, marital status, or any other legally protected status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. If you have a disability and require assistance in this application process and need to request an accommodation, please contact your recruiter or coordinator. The base salary range for this position is $55,000.00 to $82,400.00. The hiring range will vary based on factors such as experience, skills, location and market conditions. Additionally, employees may be eligible for annual and long-term incentives as part of their overall compensation package. Our Comprehensive Benefits Package Includes: * Health & Wellness: Medical, Dental, and Vision Insurance * Time Off to Recharge: Paid Vacation & Holidays * Financial Well-being: Generous 401(k) Match * Life & Family Support: Paid Parental Leave * Giving Back: Volunteer & Employee Giving Programs * Level Up Your Skills: Tuition Reimbursement * Exclusive Perks: Product Discounts & More! #LI-Hybrid

Credit Analyst Annual Salary Range $55k - $68k , Base salary plus bonus. LendSure Mortgage Corp is looking for a Credit Analyst to work out of our Warwick RI Office. This job is 100% on site. LendSure Mortgage Corp. is a fast-growing Wholesale Lender offering Non-QM loan solutions. LendSure helps mortgage originators grow their business by offering loan solutions to borrowers who do not fall into conforming guidelines. At LendSure Mortgage Corp., we have created an environment where high-energy professionals can learn, excel, grow, and feel great about their contributions to our success. LendSure is committed to attracting and retaining top talent throughout the United States and offers a competitive salary, benefits, and opportunities to grow within the company. Position Summary: The Credit Analyst is responsible for reviewing mortgage pre-qualification submissions on incoming applicants. Completing within internal processes and policies, as well as reviewing and verifying supporting documentation as submitted by Mortgage Brokers. Duties include: Review and analyze documentation provided on each loan for pre-qualification, ensuring meets LendSure guidance. Prep and submit files for initial disclosures Review documentation, prep, and submit files for initial Underwriting approval. Ability to review and complete complex tax return analysis. Ability to perform duties under minimal supervision and actively engage with the supervisor to resolve complicated issues Ability to review and clear high-level conditions within the authority. Ability to communicate effectively in both verbal and written form Must be a detail-oriented team player able to work constructively with fellow employees. partnering with underwriting team, doc and funding department, Quality Control and Senior Management Strong time management skills to plan and organize a high daily loan volume Understanding of Account Manager role and provide support as needed. Qualifications: 2 years underwriting experience, Non-QM preferred. 3 years processing experience preferred. Rendering credit decisions on incoming applicants that are consistent with internal policies, underwriting mortgage commitments, and verifying supporting documentation as submitted by a mortgage broker. Strong knowledge of underwriting terminology. Strong attention to detail and accuracy. Strong written and verbal communication skills with the ability to talk with brokers and Loan Officers. In-depth knowledge of the real estate industry and current trends. Understanding how to read guidelines. Working knowledge of Encompass Loan Origination System preferred This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

Citizens is currently recruiting for a Senior Credit Officer to support its Business Banking line of business. The Senior Credit Officer will be responsible for evaluating, analyzing, and approving credit proposals relating to both C&I and Investment Commercial Real Estate for companies with revenues up to $50MM and transaction sizes up to $15MM. This role requires a deep understanding of credit risk principals, financial analysis and asset valuation. The successful candidate will work closely with sales, portfolio management, and legal teams to ensure credit quality and regulatory compliance, while supporting business objectives. Responsibilities: Serve as the primary credit approver for transactions across multiple industries. Evaluate and act on credit opportunities including new originations, renewals, and modifications by approving, declining, or escalating recommendations to the appropriate higher authority. Provide independent credit risk assessment and decision-making in alignment with the bank's risk appetite and regulatory expectations. Partner with front-line business units to structure transactions that balance client needs with prudent risk management. Objectively identify risk and proactively partner with coverage, product and portfolio teams in the areas of customer selection and creation of protective, balanced credit structures with a focus on maintaining portfolio quality and protecting the Bank's balance sheet. Oversee portfolio monitoring, including risk rating accuracy, concentration risk, and early identification of problem credits. Communicate with executive risk management and loan workout specialists to effect restructure of problem credits and minimize losses. Lead or contribute to credit policy development, underwriting guidelines, and risk-adjusted return frameworks specific to leasing. Engage in client facing due diligence and assist business partners with originating and onboarding new credit relationships. Ensure all credit delivery activities have been completed in a timely, efficient and prudent manner while facilitating an environment for the efficient delivery to customers of products and services that require credit exposure. Provide leadership in conjunction with first line business partners in establishing credit culture, risk appetite, and business strategy. Follow defined processes, procedures and credit policies to accomplish all defined objectives. Qualifications: 10 years of combined experience in underwriting and credit risk approval. Significant experience with both C&I and investment commercial real estate is preferred. Extensive experience with non-investment grade credit analysis, underwriting and portfolio management. Experience partnering with multiple commercial banking product areas to responsibly allocate capital across a credit relationship. Strong administrative, communication, interpersonal and negotiation skills. Demonstrated ability to exercise sound judgment and act independently in a dynamic environment. Demonstrated ability to balance risk and return, promoting responsible expansion of credit relationships while leading stewardship of the Bank's balance sheet. Education Bachelor's degree in finance, economics, accounting, or a related quantitative field required. Pay Transparency The salary range for this position is $150k - $170k per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit ************************************** . #LI-Citizens2 Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. 02/27/2026

The Senior Credit Analyst's primary responsibility is to analyze and interpret financial statements and related information of commercial loan customers and prospects for the purpose of preparing credit approval memorandums. During the underwriting process, the Senior Analyst will determine creditworthiness by evaluating risks and report salient facts in collaboration with the Loan Officer to establish credit granting criteria. This will culminate in the preparation of a credit approval memorandum that outlines the request for the extension of credit which is then forwarded to the necessary approval authorities. The position will be remote, with in-person attendance, as required. Responsibilities RESPONSIBILITIES: Performs any functions necessary, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers. * A solid understanding of commercial lending and credit underwriting principles to help ensure the highest loan quality to the Bank. * A thorough, in-depth analysis of all aspects of commercial credit loan requests, including new loans, material loan modifications, credit change requests, renewals and annual relationship reviews. * Spread, analyze and interpret financial statement information belonging to existing and prospective clients. * Prepare financial analysis on businesses and guarantors to include cash flow; balance sheet, sensitivity, property and market analyses and ratio analysis, such as working capital adequacy, leverage positions, collateral coverage using WORD, Excel and nCino. * Complete due diligence to include review of credit bureau reports; industry data; appraisal reports and environmental research reports. * Form conclusions and communicate to management. * Accurately identify loan policy exceptions as well as red flags during the underwriting process. * Assign risk ratings as appropriate. * Prepare credit approval memorandum in nCino for approval by appropriate authorities. * Take responsibility for ensuring collaborative and effective team work to deliver results. * Provide guidance and direction to junior underwriters and analysts. * Communicates with others in a consistent and effective manner in order to build business and customer relations that support the organization's mission and vision. * Performs other duties, as assigned. Qualifications REQUIRED QUALIFICATIONS: * Either bachelor/master's degree, formal credit training or a minimum of five years of bank commercial loan analysis experience with both CRE and C & I loan. * Strong analytical and interpretive skills. * Good communication, organizational and interpersonal skills. * Strong written communication skills to properly complete credit approval memorandums. * Detailed knowledge of banking laws, rules and regulations required. * Must be a detailed oriented person, able to multitask with an emphasis on deadlines. Physical Requirements Any physical demands or work conditions described below are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable Accommodation may be made to enable individuals with disabilities to perform the essential functions. Employees need to have the ability to: * Travel independently to the position's primary work location, other bank properties and work-related activities or events at locations outside the Bank. * Effectively communicate and exchange accurate information and ideas so others will understand. * Independently 0perate a computer and other office machinery, such as a calculator, copy machine, printer and software programs related to the position needed to complete the primary functions. * Sit or stand at a workspace and use a computer or other equipment for prolonged periods of time. * Meet the hybrid work schedule requirements for physically working in the office during normal business hours on Mondays and Wednesdays and another day of choice to effectively meet business needs. * Move office items weighing up to 35 pounds. * Work in an environment with low to moderate noise levels. SUPERVISORY SCOPE: No supervisory responsibility BANKNEWPORT CORE VALUES * We celebrate individuality * We empower employees to be creative problem solvers * We invest and take the time to really get to know our customers * We commit to serving the financial needs of Rhode Islander's BankNewport is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of race, color, religion, creed, national origin or ancestry, sex, age, physical or mental disability, veteran or military status, genetic information, sexual orientation, gender identity or expression, pregnancy, childbirth or related medical conditions, military service, marital status, or any other legally recognized protected basis under federal, state or local laws, regulations or ordinances.

Citizens is currently recruiting for a Senior Credit Officer to support its Business Banking line of business. The Senior Credit Officer will be responsible for evaluating, analyzing, and approving credit proposals relating to both C&I and Investment Commercial Real Estate for companies with revenues up to $50MM and transaction sizes up to $15MM. This role requires a deep understanding of credit risk principals, financial analysis and asset valuation. The successful candidate will work closely with sales, portfolio management, and legal teams to ensure credit quality and regulatory compliance, while supporting business objectives. Responsibilities: Serve as the primary credit approver for transactions across multiple industries.Evaluate and act on credit opportunities including new originations, renewals, and modifications by approving, declining, or escalating recommendations to the appropriate higher authority. Provide independent credit risk assessment and decision-making in alignment with the bank's risk appetite and regulatory expectations. Partner with front-line business units to structure transactions that balance client needs with prudent risk management. Objectively identify risk and proactively partner with coverage, product and portfolio teams in the areas of customer selection and creation of protective, balanced credit structures with a focus on maintaining portfolio quality and protecting the Bank's balance sheet. Oversee portfolio monitoring, including risk rating accuracy, concentration risk, and early identification of problem credits. Communicate with executive risk management and loan workout specialists to effect restructure of problem credits and minimize losses. Lead or contribute to credit policy development, underwriting guidelines, and risk-adjusted return frameworks specific to leasing. Engage in client facing due diligence and assist business partners with originating and onboarding new credit relationships. Ensure all credit delivery activities have been completed in a timely, efficient and prudent manner while facilitating an environment for the efficient delivery to customers of products and services that require credit exposure. Provide leadership in conjunction with first line business partners in establishing credit culture, risk appetite, and business strategy. Follow defined processes, procedures and credit policies to accomplish all defined objectives. Qualifications: 10 years of combined experience in underwriting and credit risk approval. Significant experience with both C&I and investment commercial real estate is preferred. Extensive experience with non-investment grade credit analysis, underwriting and portfolio management. Experience partnering with multiple commercial banking product areas to responsibly allocate capital across a credit relationship. Strong administrative, communication, interpersonal and negotiation skills. Demonstrated ability to exercise sound judgment and act independently in a dynamic environment. Demonstrated ability to balance risk and return, promoting responsible expansion of credit relationships while leading stewardship of the Bank's balance sheet. Education Bachelor's degree in finance, economics, accounting, or a related quantitative field required. Pay Transparency The salary range for this position is $150k - $170k per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit ************************************** . #LI-Citizens2 Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. Benefits We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. View Benefits Awards We've Received Age-Friendly Institute's Certified Age-Friendly Employer The Banker's US Bank of the Year Dave Thomas Foundation's Best Adoption-Friendly Workplace Disability:IN Best Places to Work for Disability Inclusion Human Rights Campaign Corporate Equality Index 100 Award

Boston, Massachusetts;Atlanta, Georgia; Tampa, Florida; Providence, Rhode Island; Jacksonville, Florida; Hartford, Connecticut **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, monitoring, and documenting credit risk for a portfolio of clients. Key responsibilities include monitoring changes in credit profiles, compliance with credit agreements as well as structuring and underwriting new financing solutions across the Global Banking and Markets product spectrum. Job expectations may include assessing risk solutions which adhere to the bank's risk appetite and risk strategies and coaching and leading team members. In Dealer Financial Svs, assigned as a market or industry level resource, the Credit Officer II is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions. The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing. Involvement with monitoring activities/approvals is also part of the responsibilities. The Credit Officer II maintains knowledge of other BofAML products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. The role is balanced between analysis of clients and prospects and their industries, design and execution of credit solutions, and the active management of asset quality. Client facing, the Credit Officer II collaborates with the Relationship Manager(RM),Treasury Solutions Officer (TSO), and other product partners, when needed, to assess client needs, design integrated solutions and deliver the bank to clients and prospects. **Responsibilities:** + Oversees and assesses the credit worthiness of borrowers based on due diligence findings, financial statement analysis, forecasting, analysis of company and industry risks, terms and conditions, and relationship profitability to provide high quality credit approval to Corporate Banking, Investment Banking, Global Markets, and Treasury + Exercises Delegated Approval Authority using sound judgment and expertise to make approval decisions for the business including new lending limits, structuring and negotiating deal terms, credit worthiness, annual reviews and renewals, risk ratings, and breach actions + Acts as a senior coverage team resource supporting ongoing credit matters and asset quality, maintaining adherence to the bank's risk appetite and risk strategies to mitigate losses while identifying opportunities to responsibly growing the loan portfolio + Leads new credit originations in coordination and collaboration with the coverage teams including Relationship Managers, Risk, Syndications, Treasury, and all other product partners + Negotiates and structures legal documentation related to loans and derivatives + Establishes appropriate internal risk ratings for clients and implements accurate adjustments throughout the client's credit life cycle + Trains, coaches, and mentors Credit Analysts and Associates + Serves as a key member of the Commercial Client Team in handling the clients financial needs, ensuring that the overall client experience is favorable, and that the bank is in a position to expand the relationship. Interacts with clients and prospects to understand their financial goals and objectives, current and future financial performance, and their needs and desires for their banking relationship + Working closely with the client team, the role of the Credit Officer in the credit process is the guidance and oversight of underwriting, structuring, and documentation of credit requests on an assigned portfolio + Includes an evaluation of the financial standing of the client or prospect and the appropriateness of the existing or proposed credit structure, and suggestion of any changes to help optimize the relationship + Underwrite and structure complex credit transactions with minimal oversight + Some travel time with face-to-face interaction with our dealer clients + Involved in the negotiation and closing process for transactions in portfolio + Oversees the monitoring of their assigned portfolio to maintain credit quality, and to ensure timely recognition and management of any changes via the use of the bank's proprietary risk rating tool, and the review of various compliance, exception and past due reports **Required Qualifications:** + Minimum of 7 years commercial credit underwriting an analysis with a commercial bank or OEM captive finance organization. + Strong knowledge and comprehension of loan and collateral documentation + Ability to accurately analyze borrower's financial picture and deliver a comprehensive risk analysis to manager and risk officers + Confidence and ability to develop an independent viewpoint and present a business case to support conclusions + Excellent relationship management skills, experience working in a team environment, ability to help influence constituencies with diverse views towards consensus + Coaching and mentoring skills + Strong Microsoft Office Skills **Desired Qualifications:** + Minimum of 10 years commercial credit underwriting and analysis with a commercial bank or OEM captive finance organization in the auto retail space. Direct customer-facing experience in a goal-oriented environment. + Bachelor's degree in Finance or Accounting **Skills:** + Analytical Thinking + Credit and Risk Assessment + Financial Analysis + Loan Structuring + Underwriting + Attention to Detail + Business Acumen + Financial Forecasting and Modeling + Research Analysis + Written Communications + Business Development + Collaboration + Critical Thinking + Portfolio Analysis + Stakeholder Management **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.

Established in 1991, Collabera is one of the fastest growing end-to-end information technology services and solutions companies globally. As a half a billion dollar IT company, Collabera's client-centric business model, commitment to service excellence and Global Delivery Model enables its global 2000 and leading mid-market clients to deliver successfully in an increasingly competitive marketplace. With over 8200 IT professionals globally, Collabera provides value-added onsite, offsite and offshore technology services and solutions to premier corporations. Over the past few years, Collabera has been awarded numerous accolades and Industry recognitions including. • Collabera awarded Best Staffing Company to work for in 2012 by SIA. (hyperlink here) • Collabera listed in GS 100 - recognized for excellence and maturity • Collabera named among the Top 500 Diversity Owned Businesses • Collabera listed in GS 100 & ranked among top 10 service providers • Collabera was ranked: • 32 in the Top 100 Large Businesses in the U.S • 18 in Top 500 Diversity Owned Businesses in the U.S • 3 in the Top 100 Diversity Owned Businesses in New Jersey • 3 in the Top 100 Privately-held Businesses in New Jersey • 66th on FinTech 100 • 35th among top private companies in New Jersey *********************************************** Collabera recognizes true potential of human capital and provides people the right opportunities for growth and professional excellence. Collabera offers a full range of benefits to its employees including paid vacations, holidays, personal days, Medical, Dental and Vision insurance, 401K retirement savings plan, Life Insurance, Disability Insurance. Job Description In need of a Credit Analysts having wholesale/commercial collections is key, but willing to consider candidates with Consumer Collections experience. We are NOT in need of Accounts Payable Specialist, nor Accountants, but someone who has worked with Collections dealing with products. This is not someone who has worked in banking, insurance, or the medical industry but someone who can work with customers/clients dealing with collections on products. RESPONSIBILITIES • Will be completing collections calls • Deduction resolution • Interfacing with customers • Interfacing with Sales and Customer Service • Portfolio Management • Interfacing with Cash Application Team in Mexico • Completing Reconciliations • Will utilize Excel to create statements and files from SAP • Excel is a MUST and SAP is highly preferred • Looking for someone having 3-5 years experience. • Needed ASAP Qualifications “HIGH SCHOOL DIPLOMA/GED REQUIRED. MUST BE VERIFIED THROUGH THE INSTITUTION OR A COPY OF THE CERTIFICATE MUST BE ON FILE” Additional Information All your information will be kept confidential according to EEO guidelines.

At Citizens, we're more than a bank! Here, you'll experience new things, create new opportunities, think beyond your role and make an impact! The Risk Analytics Sr Analyst will provide support to the Business Banking Credit Analytics team. The candidate will help ensure a comprehensive and compliant Credit Risk framework is effectively implemented, maintained, and communicated to stakeholders through utilization of efficient and varied delivery approaches. The candidate will work with a wide range of internal stakeholders, including business line leadership, first- and second-line credit risk management, credit assurance functions, as well as internal support teams to manage key credit risk policy and control related-matters. Further, the candidate will support the BAU activities of the Business Banking Credit Analytics team and supporting continuous improvement therein. The candidate will: + Understand and own the business banking credit risk implementation framework. Coordinate with multiple partners (business line, technology, credit risk) to identify systems and process that may be impacted by credit policy changes. Translate and communicate policy changes into procedures, flow diagrams, and financial calculations. + Coordinate and perform post implementation testing of policy changes. Identify issues and propose solutions. + Coordinate the Annual Review of Credit Policy Attributes + Coordinate Credit Bureau Vendor Management, to include performance monitoring/scorecards, operational meetings, identify and communicate operational issues, maintain project/initiative list, lead process improvement initiatives, monitor usage and invoices. + Partner with business line and regulatory to understand their analytics needs; consult with IT and data teams to determine data source, and work with colleagues to ensure consistency of our approach with established standards. + Actively engage in or support focused projects and initiatives, within and across Business Banking and engaging with external partners/stakeholders, including preparation of credit policy proposal. + Provide support for internal audits and assessments, and external and regulatory exams, including the collection of responsive materials and tracking of requests, engagement with Central Risk and testing functions. + Prepare and present management report covering findings and identify trends/items of note, as needed. + Support strategic solutions, when required, and provide timely remediation of data issues through effective root cause analysis. + Other ad hoc projects. Qualifications: + 2+ years of financial services experience, with exposure to risk management processes and procedures. + 2+ years Quantitative Skills - ability to develop and implement effective portfolio management routines that monitor KPIs, benchmark performance vs. peers, and identify emerging trends. + Experience with data querying or programing languages is preferred - SQL, VBA, SAS, R, or Python + Strong attention to detail, experience creating/reviewing documentation, procedures, and financial calculations. + Previous experience in a similar role within a financial services organization is preferred + Ability to drive actionable outcomes from analytical insight and effectively communicate findings and recommendations to business leadership. + Exceptional problem-solving acumen with ability to think strategically. + Time Management - ability to prioritize competing assignments and thrive in a fast-paced results orientated environment. + Strong written and verbal communication skills + Advanced use of MS Office Suite (Word, Excel, Access, PowerPoint) Education/Certification: + Bachelor's degree in a quantitative discipline (e.g. Mathematics, Statistics, Engineering, Physics, Computer Science, Economics, Finance) + Master's degree in a quantitative discipline (e.g. Mathematics, Statistics, Engineering, Computer Science, Economics, Econometrics) preferred Hours and Work Schedule: + Hours per Week: 40 Monday-Friday + Hybrid Schedule: 4 days onsite from a Citizens corporate office, 1 day remote Pay Transparency The salary range for this position is $75,000-$100,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit ************************************** . Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

At Citizens, we're more than a bank! Here, you'll experience new things, create new opportunities, think beyond your role and make an impact! The Risk Analytics Sr Analyst will provide support to the Business Banking Credit Analytics team. The candidate will help ensure a comprehensive and compliant Credit Risk framework is effectively implemented, maintained, and communicated to stakeholders through utilization of efficient and varied delivery approaches. The candidate will work with a wide range of internal stakeholders, including business line leadership, first- and second-line credit risk management, credit assurance functions, as well as internal support teams to manage key credit risk policy and control related-matters. Further, the candidate will support the BAU activities of the Business Banking Credit Analytics team and supporting continuous improvement therein. The candidate will: Understand and own the business banking credit risk implementation framework. Coordinate with multiple partners (business line, technology, credit risk) to identify systems and process that may be impacted by credit policy changes. Translate and communicate policy changes into procedures, flow diagrams, and financial calculations. Coordinate and perform post implementation testing of policy changes. Identify issues and propose solutions. Coordinate the Annual Review of Credit Policy Attributes Coordinate Credit Bureau Vendor Management, to include performance monitoring/scorecards, operational meetings, identify and communicate operational issues, maintain project/initiative list, lead process improvement initiatives, monitor usage and invoices. Partner with business line and regulatory to understand their analytics needs; consult with IT and data teams to determine data source, and work with colleagues to ensure consistency of our approach with established standards. Actively engage in or support focused projects and initiatives, within and across Business Banking and engaging with external partners/stakeholders, including preparation of credit policy proposal. Provide support for internal audits and assessments, and external and regulatory exams, including the collection of responsive materials and tracking of requests, engagement with Central Risk and testing functions. Prepare and present management report covering findings and identify trends/items of note, as needed. Support strategic solutions, when required, and provide timely remediation of data issues through effective root cause analysis. Other ad hoc projects. Qualifications: 2+ years of financial services experience, with exposure to risk management processes and procedures. 2+ years Quantitative Skills - ability to develop and implement effective portfolio management routines that monitor KPIs, benchmark performance vs. peers, and identify emerging trends. Experience with data querying or programing languages is preferred - SQL, VBA, SAS, R, or Python Strong attention to detail, experience creating/reviewing documentation, procedures, and financial calculations. Previous experience in a similar role within a financial services organization is preferred Ability to drive actionable outcomes from analytical insight and effectively communicate findings and recommendations to business leadership. Exceptional problem-solving acumen with ability to think strategically. Time Management - ability to prioritize competing assignments and thrive in a fast-paced results orientated environment. Strong written and verbal communication skills Advanced use of MS Office Suite (Word, Excel, Access, PowerPoint) Education/Certification: Bachelor's degree in a quantitative discipline (e.g. Mathematics, Statistics, Engineering, Physics, Computer Science, Economics, Finance) Master's degree in a quantitative discipline (e.g. Mathematics, Statistics, Engineering, Computer Science, Economics, Econometrics) preferred Hours and Work Schedule: Hours per Week: 40 Monday-Friday Hybrid Schedule: 4 days onsite from a Citizens corporate office, 1 day remote Pay Transparency The salary range for this position is $75,000-$100,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit ************************************** .