Credit analyst jobs in Saint Cloud, MN - 129 jobs

Compensation: $65,500 - $91,600 The Credit Analyst is responsible for managing all credit, collection, and accounts receivable reconciliation activities for a designated portfolio of customers. Responsibilities/Duties: Credit Management: Review incoming credit applications and provide recommendations to the Credit Management Team. Periodically evaluate customer financial conditions, including credit scores, sales field information, and payment trends, to assess financial position and credit risk. Review customer orders exceeding credit limits or past due triggers, taking appropriate action to release orders or re-establish creditworthiness. Identify customers needing increased credit limits to support business growth, perform credit reviews, and provide recommendations to the Credit Management Team. Collections: Build strong relationships with internal and external customers to maximize cash flow through efficient collections. Initiate timely collection activities, including phone calls, emails, and other communications, to address account delinquencies proactively. Work with past due customers and their sales representatives professionally, documenting discussions and agreements, and ensuring timely follow-up. Conduct collection activities in compliance with federal, state, and local regulations, laws, statutes, and company policies. Develop payment plans as needed. Resolve issues related to disputed invoices with customers and the sales team to enable invoice collection or resolution of short-paid invoices. Other Duties: Perform other duties as beneficial to IDI. Leadership Competencies: Leads Self Communicates Effectively & Candidly Drives for Results Demonstrates Accountability Takes Initiative Collaborates Qualifications/Skills: Technical Skills: Proficiency and experience in understanding Credit Reports and Credit Scoring Proficiency in Microsoft Office software, including Excel and MS Word Communication Skills: Excellent interpersonal, written, and verbal communication skills Strong negotiating skills Interpersonal Skills: Ability to work effectively with diverse groups of people Education and/or Experience: College degree in Business or related field and/or equivalent experience 3+ years Credit experience or related experience in field of finance preferred One of the core values at IDI is Family, and it shows in our benefits! From health coverage (medical, dental, vision) to a 401(k) with a company match, we take care of our team members. Enjoy paid time off for vacation and holidays, plus perks like life and disability insurance and an employee assistance program to support you when you need it most. We know that benefits are an important part of your compensation package, so we'll share full details on eligibility and benefits during the hiring process.

We are looking for a skilled analyst to join our Business Banking team! Consider applying if you have experience in business lending, credit analysis, or trend analysis. As a Credit Analyst II, you will focus on the moderate to complex credit levels. This is a highly focused, back-office position where much of your work will be done independently. Position Summary: Contributes to the loan decision-making process and sound portfolio management by providing in-depth credit analysis on new and existing clients for Business Banking Officers and Loan Committees. Monitors loan files for adequate and current financial information and documentation. Understands and completes job responsibilities in accordance with federal and state regulations. Essential Functions: Credit Underwriting 80% Completes loan requests and reviews, focusing on moderate to complex credit levels Inputs information into financial spreading software and trend recognition Analyzes business and personal financial information, tax returns, and credit bureaus. Use this information to create cash flow analysis, trend ratios and collateral analysis to determine the overall risk to the Bank Identifies, requests, and tracks information needed to complete the credit analysis Identifies and reports areas of concern Ensures compliance with federal, state, and bank regulations Reviews loan file for proper documentation Real Estate Evaluation 15% Completes appraisal reviews Complete property evaluations on commercial and residential properties Performs site visits as needed Additional Duties & Responsibilities 5% Backs-up the Credit Officer in the preparation of various monthly and quarterly reports Assists the Credit Officer in preparation of business banking audits Serves as back-up Secretary to the Officer Loan Committee Serves as back-up Secretary to the Board Loan Committee Serves on bank committees as needed Participates in internal and external training and development opportunities as required Other job related duties necessary to carry out the responsibilities of the position Requirements Work Relationships and Scope: Works periodically with clients and works regularly with co-workers. Works regularly with highly confidential business and client information. Regularly participates in bank events. Provides basic training and mentorship to Credit Analyst Level I and other business banking functions. Performance Dimensions: Quality, accuracy, reliability, thoroughness and timeliness of work performed and services provided to clients and co-workers; strong attention to detail; highly organized; ability to take initiative; keeps Bank and client information confidential; demonstrates friendly and helpful approach and attitude toward internal and external clients. Effectively communicates and develops good working relationships with all co-workers and clients; professional workplace appearance and conduct; honesty and integrity in all client and co-worker communications; reliability in reporting to work regularly and on time; understands Bank loan policies and procedures and applicable state and federal regulations. Remains current in field and utilizes that information where practical; participates in training and appropriate professional development. Demonstrates professionalism, commitment to the job, and loyalty to the Bank. Knowledge, Skills and Abilities: A 4-year college degree in accounting, finance, business or equivalent experience preferred. Three to seven years of banking experience in business lending, credit analysis or trend analysis required. Must possess courteous and professional customer service attitude; excellent verbal and concise written communication skills; legible handwriting; ability to maintain the integrity of highly confidential client and Bank information. Must possess excellent mathematical skills up to and including projection analysis; strong computer skills, technical ability to input and retrieve computerized information; strong organization and follow-up skills. Must possess ability to deal effectively with aggressive time pressures and stress that can change hourly depending on level of client activity. Must possess effective problem solving and technical research skills. Must be a self-starter and independent thinker. Working Conditions: Work is performed largely in an office environment with minimal chance for personal injury. Occasional out-of-town and overnight business travel (air or auto) is required for business and education. Regular mental and visual concentration for computer usage required. Regular use of telephone; frequent repetitive use of keyboard for approximately 6 hours per day. Requires ability to receive and provide detailed information through verbal communication. Requires near and mid-range vision. Will alternate sitting, standing, and walking throughout work shift. Bend, turn, lift, and carry up to 10 pounds of documents and office supplies. Climb stairs. Hours of work are generally during regular business hours. There will be some variation in work hours due to special projects, deadlines, community events, and other concerns. Equipment Used: Operates personal computer in a Windows environment for word processing, spreadsheets, e-mail, internet, and other bank specific software. Operates Silverlake, core banking system, and Sageworks spreading software. Utilizes a variety of office equipment including computer printer, ten-key calculator, fax, copy machine, and multi-line telephone. EEO/AA Employer/Vets/Disability Salary Description $60,156.34 - $90,234.50 Per Year

You will be responsible for working with our clients, foreign and domestic, and our attorneys to ensure our invoices are paid on a timely basis. Responsibilities: Process monthly domestic and foreign statements of account Process systematic collection letters for those accounts that are PAST DUE Contact individual clients directly by phone and email to resolve and collect outstanding balances Work with clients and attorneys to resolve any discrepancies with our invoices Maintain electronic collection files 6. Miscellaneous accounting tasks as required Knowledge, Skills and Abilities Required: • Two years of credit/collection experience desired • Post-secondary education preferred • Experience in the Microsoft Office Suite • Strong attention to detail and problem solving skills • Ability to organize and prioritize numerous tasks and complete them under time constraints • Ability to work independently and with minimal supervision • Excellent written communication skills required • Interpersonal skills necessary in order to communicate with a diverse group of clients, attorneys, and staff in order to provide information with courtesy and tact.

Full-time Description can be worked out of any Choice Bank location in our Minneapolis market. The Credit Analyst position is responsible for gathering, analyzing, and interpreting credit information for existing and prospective customers in order to assess credit quality and to minimize risk and potential loan loss. Responsibilities Reads, reviews, and understands various financial statements to include but not limited to; tax returns, balance sheet, profit and loss statements, aging's, borrowing base certificates, debt schedules, equipment lists, business credit reports, credit bureau reports, rent rolls, lease agreements, fall cash flow, personal financial statement, environmental reports, and appraisals. Prepares financial spreads for various types of commercial and real estate businesses and individuals establishing a direct obligation as a borrowers or guarantor. Prepares credit memos for new or renewing loan requests that will be presented for loan decision. Has a thorough understanding and is able to accurately communicate the following aspects of the credit memos: Financial statement analysis including trend, ratios, margins, sensitivity, and pro forma. Cash flow analysis including traditional and UCA. Collateral analysis including BBC review, real estate appraisals, equipment appraisals, contracts, and purchase agreements. Guarantor analysis including cash flow, personal financial statement, and credit report. Risk rating Analyzes findings through underwriting due diligence and narrates information in a comprehensive analysis using a variety of data analysis (charts, formulas, graphs, etc.). Analyzes the credit worthiness of a commercial applicant and guarantors through the review of financial statements and identifies key risks of the relationship. Evaluates the credit quality and suggests proper risk rating based on analysis in the Credit Memo. Ensures relationships are appropriately risk rated during the underwriting process and recommends risk rating changes to the Banker in a timely manner. Provides prompt turnaround on customer and credit requests, while communicating the status of loans in process with the Banker and/or direct manager. Reviews and articulates findings within third party collateral reports to the Banker and/or direct manager. Meets with and interview customers to develop a thorough understanding of the loan request and the business relationship. Uses knowledge of the loan policy to detect deviations, exceptions, and variances on loan proposals. Ensures that all credit requests are properly approved or exceptions documented based on loan policy standards. Assists the banker in completion of quarterly Problem Loan Reports on the bank's risk rated customer. Completes annual reviews, risk rating changes, and other file comments to preserve the credit integrity of the loan portfolio. Provides ongoing monitoring of borrowers' financial indicator covenants for compliance with loan documents. Prepares various loan reports as directed from Credit Leadership. Develop knowledge on SBA or FSA loan products along with policy and procedures. Attends general credit analysis training provided by Credit Manager as well as RMA or MBA classes. Complies with responsibilities as they relate to the Bank Secrecy Act (BSA), Anti-Money Laundering Act (AML), Patriot Act, and Office of Foreign Assets Control Regulations (OFAC). This includes participating in any required training and promptly complying with all reporting requirements. The position may require travel to various Choice Bank offices. Performs duties outside normal scope as assigned. Other duties and special projects as assigned. Requirements Qualifications 1-3 years of experience as a Commercial Credit Analyst Proficient with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint Demonstrates a desire to learn new skills Exhibits a record of time management abilities Outstanding communication skills, including oral and written Cultural Alignment Choice is #PeopleFirst, banking second. People don't need just another bank. People need to be supported by a team of trusted partners who will get to know them and their business, understand their challenges, discover their dreams, and recognize the success in bringing people and banking together in our communities. In contributing to our culture, Choice team members are guided by our core values. Embrace change and encourage innovation. Know when to ask for help and know when to offer help. Better the places we live. Work hard. Do the right thing. Have a little fun. Our vision of Diversity at Choice is supported by our #PeopleFirst mission and our core values. Being #PeopleFirst means that Choice is committed to focusing attention and resources towards creating an environment where everyone feels respected and valued and can do their best work. Doing the right thing means encouraging employees to share their experiences and ideas, and to bring their whole authentic selves to work. Together, we can build an inclusive culture that seeks out, supports, and celebrates diverse voices. We can use our diversity to fuel creativity and innovation and bring us closer to our customers and the communities we serve. Be welcome at Choice. We can see you here. Disclosure This job description is intended to describe the general content of, and requirements for, the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or requirements. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a significant risk to the health and safety of themselves or other employees. All employment at Choice Financial Group is “at will” employment. This position description does not create an employment contract, implied or otherwise. The base salary for this role is listed below. This pay range is posted to comply with wage transparency laws. The base salary may vary based on skill, ability, knowledge, experience and geographic location. Full time employees are also eligible for a competitive bonus and benefits package. Check out bankwithchoice.com/careers for an outline of current benefit offerings. Salary Description $19.48 - $41.78 / hour

Job Title: Associate Credit Analyst Reports To: Chief Credit Officer Company: FarmOp Capital FarmOp Capital, founded in 2017, is a leader in providing innovative working capital solutions for American farmers. Our unique production-based lending approach offers high advance-rate operating loans that enhance marketing flexibility and purchasing power for U.S. growers. Headquartered in St. Paul, Minnesota, we address a significant gap in agricultural lending by leveraging advanced technology and outcome-based lending strategies. Position Summary As a Credit Analyst, you will play a vital role in evaluating the financial health of farming operations and supporting the credit approval process. You will analyze tax returns, balance sheets, income statements, and other borrower-provided documents to assess risk and inform loan structuring. Working closely with Account Managers and the underwriting team, you will help design financing solutions that align with producers' operational goals while adhering to credit policy and portfolio standards. You will also assist with credit memos, risk ratings, and ongoing monitoring of borrower performance throughout the life of each loan. This role requires strong attention to detail, financial acumen, and a commitment to supporting long-term client relationships through data-driven analysis. This position reports directly to the Chief Credit Officer. Key Responsibilities Financial Review: Review and spread financial statements, tax returns, and borrower documentation Document Review: Review financial documents (e.g., income statements, rent schedules, pro forma budgets) and requests for invoices or payments to ensure expenditures are within loan terms. Communication: Keep co-workers informed of loan status, provide updates, and assist with loan budget adjustments. Collaboration: Work closely with loan officers and underwriters to facilitate efficient loan approvals. Assist loan accounting with AP and AR processes for originated loans. Problem Resolution: Identify and resolve discrepancies in loan applications or documentation and communicate resolutions to appropriate parties. Customer Service: Provide exceptional customer service to sales and operations staff with professionalism throughout the loan application and servicing process. Continuous Improvement: Assist in developing and refining processes, procedures, and policies to enhance efficiency and effectiveness. Provide suggestions and feedback for further technological development. Required Knowledge, Skills, & Abilities Evaluation: Prepare clear, concise credit memoranda with recommendations for lending decisions Analytical Skills: Evaluate the creditworthiness of producers and ag-related entities Communication Skills: Excellent interpersonal skills; ability to build trust and rapport with clients and colleagues. Organizational Skills: Highly organized and able to work under pressure in a fast-paced environment. Technical Proficiency: Proficiency with financial software and Microsoft Office; experience with Smartsheet preferred Leadership: Demonstrated commitment to teamwork and professional development. Work Environment Based in St. Paul, MN (In-person) Typical office environment with standard office equipment usage Position Type: Full-time Equal Opportunity Employer FarmOp Capital is an equal opportunity employer and does not discriminate based on race, color, national origin, age, religion, veteran status, marital status, sexual orientation, gender, or any other protected characteristic. We comply with all applicable federal, state, and local discrimination laws. Applicants with disabilities will not be denied employment if reasonable accommodations allow them to perform the essential functions of the job. Benefits 401(k) Safe Harbor contribution Medical, dental, and vision insurance Disability and life insurance Employee assistance program Paid time off Opportunities for professional development and career advancement Collaborative and supportive work environment Other Duties This job description is not exhaustive, and additional duties may be assigned as necessary. How to Apply Join FarmOp Capital and contribute to advancing agricultural prosperity and rural development. Apply now and support the financial needs of farmers and agribusinesses across the country.

Old National Bank has been serving clients and communities since 1834. With over $70 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. As a trusted partner, we thrive on helping our clients achieve their goals and dreams, and we are committed to social responsibility and investing in our communities through volunteering and charitable giving. We continually seek highly motivated and talented individuals as our people are critical to our success. In return, we offer competitive compensation with our salary and incentive program, in addition to medical, dental, and vision insurance. 401K, continuing education opportunities and an employee assistance program are also included in our benefit suite. Old National also offers a variety of Impact Network Groups led by team members who are passionate about driving engagement, creating awareness of diverse backgrounds and experiences, and building inclusion across the organization. We offer a unique opportunity to join a growing, community and client-focused company that is firmly rooted in its core values. Responsibilities We are currently seeking a Senior Credit Officer that will be responsible for the daily activities of the Commercial Underwriters, maintaining an efficient workflow while promoting a collaborative experience between their direct reports, Relationship Managers, segment leadership, and other internal support areas. Within the Business Banking Credit Center (BBCC), the Senior Credit Officer oversees the underwriting of loan requests with aggregate exposures below $1 million. This individual will manage all activities of the BBCC UWs, which will include oversight of all analyst tasks and functions necessary to analyze, decision, and manage credit relationships in the Commercial portfolio, along with credit risk administration duties, orderly flow of credit approvals through the analysis process and productivity for all direct reports. Responsible to maintain loss ratios, accurately assess risk and assign the appropriate risk rating in an efficient manner following established underwriting guidelines and procedures. This position requires strong communication, leadership and critical thinking skills, thorough knowledge of industry and bank underwriting standards, and the confidence to make and support loan decisions We are an in-office working environment. This position can be located in one of the offices within our footprint. Salary Range The annual salary range for this position is $106,100 - $214,600. The base salary indicated for this position reflects the compensation range applicable to all levels of the role across the United States. Actual salary offers within this range may vary based on a number of factors, including the specific responsibilities of the position, the candidate's relevant skills and professional experience, educational qualifications, and geographic location. Key Accountabilities Ensure credit quality targets for the loan portfolio are met Ensure analyses of underwriters are appropriate and asset quality ratings are accurate Engage with Credit Strategy to leverage portfolio data and industry/market trends to provide administrative oversight of the Commercial loan portfolio Ensure compliance with established corporate standards for Commercial portfolio Understand the state of the loan portfolio, identifying areas of potential concern and growth opportunities Coach, develop and maintain a competent team of credit professionals Develop Underwriters through appropriate training to ensure analysis on credit approval memorandums is accurate, factually correct and meets bank requirements to make fully informed credit decisions Assist with evaluating, analyzing, and decisioning eligible loan applications while exercising granted loan authority in a responsible manner Lead and coach a team of credit professionals and successfully motivate direct reports to perform at a high level and achieve their own performance and career objectives Maintain and grow analytical skills and industry knowledge through internal and external training and development opportunities Maintain an environment that is collaborative, controlled, monitored, and efficient Collaborate with staff and production peers while executing the Bank's Commercial Strategy Empower team to engage with Commercial Relationship Managers, CBU Agents, and Documentation Specialists as applications progress through internal commercial lending processes and deploy problem solving and critical thinking skills as needed. Complete special projects at the direction of the Bank's credit administrators, which may include action and responses to OCC exams, internal audits, and loan review reports. Key Competencies for Position Develops Talent - Optimizes talent within business area to achieve goals Actively supports people development through formal programs as well as targeted stretch assignments Continuously evaluates talent within business area and is quick to take action to remove barriers and close talent gaps through effective feedback and coaching Cultivates an environment of trust and optimizes talents and capabilities within business area through a culture of continuous feedback and coaching Actively seeks to attract and retain best-in-class, diverse talent Makes Decisions & Solves Problems - Proactively sources and analyzes comprehensive data to define and solve complex business problems that leads to sound decisions Proactively analyzes and owns qualitative and quantitative data to define business areas problems and opportunities through effective collaboration Collaborates to compile information needed to create a sound approach by leveraging internal and external resources Considers business area, organizational, and individual realities along with impact on the business before developing solutions and makes sound business decisions based on a blend of analysis, wisdom, experience and judgment Creates plan to meet goals and objectives within business areas diminishing gaps and evaluating progress along the way allowing for adjustments Delights Clients - Builds a best-in-class client experience across the business area Fosters an environment where team members passionately serve internal/external clients with excellence Fosters a growth mindset by keeping current with development and trends in business area and sharing information to build knowledge base of business area and enhance client experience Understands data, metrics and/or financial information and how they tie to business outcomes related to client, business area and organization Fosters a culture of accountability within business areas where business area nurtures client relationships by listening, prioritizing and acting responsibly to meet client needs, mitigate risk and add shareholder value Qualifications and Education Requirements Bachelor's degree in Finance, Accounting, or related area or equivalent experience 10 or more years of experience as a Commercial Underwriter/Analyst or related positions Previous management or leadership experience preferred Ability to analyze and interpret financial statements and understand complex accounting principles Thorough knowledge of risks associated with all types of industries Thorough knowledge of loan structuring, borrowing causes and lending standards to ensure loan applications are evaluated efficiently, effectively, and in accordance with regulations Must possess (or willing to possess in short order) a deep understanding of ONB's Credit culture, loan policies, and loan guidelines and procedures with ability to property mitigate exceptions when granted. Demonstrated proficiency and attention to analysis utilizing qualitative and quantitative detail Old National is proud to be an equal opportunity employer focused on fostering an inclusive workplace and committed to hiring a workforce comprised of diverse backgrounds, cultures and thinking styles. As such, all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law. We do not accept resumes from external staffing agencies or independent recruiters for any of our openings unless we have an agreement signed by the Director of Talent Acquisition, SVP, to fill a specific position. Our culture is firmly rooted in our core values. We are optimistic. We are collaborative. We are inclusive. We are agile. We are ethical. We are Old National Bank. Join our team! 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Job Description We have partnered with a successful multi-location locally owned community bank, known for the footprint in the communities they serve. This bank has earned numerous awards for customer service. You will be part of a family-friendly work environment working alongside of strong leaders that are easily accessible, with a chance to grow your career within the organization. WHAT THE COMPANY WILL OFFER YOU: Great place, great people. Competitive compensation of $50,000 - $75,000 -+. Benefits Package that includes excellent health plans (family options available), dental, vision. Generous PTO and Holiday pay. 401k Match. Growth Opportunities - company likes promotes within. THE ROLE YOU WILL PLAY: Gather and analyze credit for current and prospective borrowers. Analyze credit data and financial statements to determine risk. Work closely with loan officers. COMMUNITY: Twin Cities, MN area It's the Twin Cities, need we say more? You can live and work in one of the most thriving cities in the nation. If you need an outing, there are plenty of professional and college sporting events to attend, or there is a vast amount of places available to meet your buddies to hang out. Enjoy some shopping at one of the greatest mall in the nation, or one of the outstanding 5-star restaurants to meet some of your friends. If you want to relax there are many salons and spas to choose from as well. You will be merely minutes away from multiple recreation activities as well including boating, camping, biking, hiking, fishing, hunting, snow skiing, snow shoeing, aquatic parks and more. After all it is the land of 10,000 lakes. Within the area there are multiple schools to choose from for any age. Residing here will allow you to take advantage of living in the natural beauty that the cities are known for and where many people make as a vacation destination. Enjoy living in a growing place that offers opportunities to work and play. BACKGROUND PROFILE: Bachelor's Degree in Accounting, Finance or Related field. Excellent analytical skills. Strong communication skills. Ability to work in team environment. Contact Travis Peper today to find out all the details (605) 428-6149 or email tpeper@ercjobs.com

JobID: 210680923 JobSchedule: Full time JobShift: Day Base Pay/Salary: Minneapolis,MN $123,500.00-$230,000.00; Chicago,IL $123,500.00-$230,000.00 Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Lead Credit Officer - Vice President in Commercial and Specialized Industries Credit Risk team, you will partner with a cross functional team delivering credit solutions that support a range of needs from working capital and general corporate purposes to acquisition finance and dividend recapitalizations. You will work with family owned businesses, financial sponsors and some publicly traded companies. Additionally this role supports C&SI's Wisconsin market which covers companies generally between $20 million and $2 billion in revenues across a wide variety of industries. Credit executions range from bilateral structures to the syndicated leveraged finance market and institutional investor transactions. Critical to this role is the ability to develop a broad and deep understanding of the business, financial and industry risks faced by clients in the assigned portfolio and utilize that view to properly risk grade borrowers, analyze credit requests, structure credit facilities and negotiate credit agreements and other loan documentation. Job Responsibilities * Utilize excellent credit analysis and financial modeling skills to structure new transactions and work independently on the assigned credit portfolio. * Appropriately assess risks / mitigants, balance risk / reward, diligently manage renewals, amendments and new transactions as well as maintain acceptable credit reporting metrics. * Form well thought out, independent views and be able to voice your opinion in a clear, concise manner and to defend that position with partners and senior leadership. * Lead complex leveraged finance transactions including negotiations and legal documentation for bilateral, syndicated and institutional finance structures. * Work proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving. * Act with a sense of urgency and execution to meet both internal and client deadlines. * Provide leadership in the market by being a positive contributor to the team, including being a mentor to less experienced team members, embracing change and participating in various projects or improvement exercises for the benefit of the organization. * Demonstrate excellent communication skills both internally and externally and using those communication skills to effectively solve problems. Required qualifications, capabilities and skills * BA/BS/BBA degree is required * Completion of a major corporate or commercial bank credit training program (or the equivalent corporate banking/corporate finance experience) and a thorough understanding of bank credit policies and procedures * Minimum 5 years' experience in commercial banking/lending including extensive credit analysis, structuring and loan documentation experience with leveraged finance transactions. * Significant accounting and finance knowledge and superior financial modeling skills * Strong working knowledge of credit agreements and other loan documentation along with solid negotiation skills * Demonstrated excellent verbal and written skills, interpersonal skills, and analytical and problem-solving skills * Excellent organizational and project management skills; able to manage competing priorities under tight deadlines * Proven ability to collaborate and build strong partnerships. * Intellectual curiosity with a proven ability to learn quickly * High degree of initiative, self-direction, and ability to work well under pressure

This role is ideal for individuals with a strong interest in building a career in banking, specifically as a commercial or agri-business banker. Successful candidates will demonstrate a genuine passion for learning the fundamentals of credit analysis, financial assessment, risk management, and loan underwriting. As part of an immersive, structured training program, participants will be given hands-on experience to develop the skills necessary to succeed. Primary responsibilities include reviewing loans to ensure compliance with the bank's Loan Policy and Guidelines. Qualifications: This person should have a bachelor's degree or the equivalent. With oversight, this person should be able to analyze routine credits using sound credit judgment. Communication skills, a proficiency towards detail, and the ability to comprehend and apply Loan Policy and Guidelines is required. An aptitude towards business development and building relationships both internally and externally is necessary. Principal Responsibilities: Learn the Credit Analyst role and build in-depth knowledge of the lending process. Meet, learn from, and build positive relationships with the credit department, bankers, the Market President, and other senior leaders across the organization. Analyze and risk rate credit lines and critique the credit classifications assigned by the Loan Officers. The analysis must be consistent with the findings of the appropriate regulatory agencies. Spread, analyze and review financial statements for current and prospective borrowers in a variety of industries using tax returns, financial statements, credit reports and other reporting as needed or requested. Summarize and analyze findings in the bank's written credit presentation. Prepare annual reviews on borrowing relationships in accordance with loan policy. Monitor covenant compliance with loan agreements. Present loan files or credit lines not meeting the standards of Loan Policy and Guidelines to the Credit Analyst Manager with a detailed explanation of the credit exceptions and the recommended action necessary to correct the deficiencies and improve the bank's position. In the event of minor technical documentation discrepancies or identified potential credit weakness, communicate directly with the Loan Officer and Credit Analyst Manager, requesting correction of the discrepancies and recommending alternatives for improving the credit lines. Perform follow-up action as necessary until corrected. As required, perform services and projects for the department and the bank. Attend Credit Department and other committee meetings as requested by management. Act in accordance with FBT policies and procedures as set forth in the employee handbook. Adhere to compliance procedures and participate in required compliance training. The anticipated salary range for this role is between $59,477.48 and $80,295.27. This range is a good faith estimate for the position. The actual compensation offered to a candidate may differ based on various factors, including the individual's relevant experience, training, skills, work location, and other considerations. For those in eligible roles, we offer incentive compensation based on individual performance. Furthermore, this role may qualify for a variety of benefits, such as Medical, Dental, and Vision insurance, Health Savings Accounts, 401(k)/ESOP, Paid Time Off, Flexible Work Arrangements, Paid Parental Leave and Student Loan Repayment Assistance. Learn more at ************************ Compensation Grade Salary Grade 5 First Bank & Trust is an Equal Opportunity, Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran. Read our complete Equal Employment Opportunity Policy Statement . Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at ************ or email ***************.

This is where your work makes a difference. At Baxter, we believe every person-regardless of who they are or where they are from-deserves a chance to live a healthy life. It was our founding belief in 1931 and continues to be our guiding principle. We are redefining healthcare delivery to make a greater impact today, tomorrow, and beyond. Our Baxter colleagues are united by our Mission to Save and Sustain Lives. Together, our community is driven by a culture of courage, trust, and collaboration. Every individual is empowered to take ownership and make a meaningful impact. We strive for efficient and effective operations, and we hold each other accountable for delivering exceptional results. Here, you will find more than just a job-you will find purpose and pride. Your role The Respiratory Health Credit Specialist is responsible for resolving credit balances for assigned Third-Party payers and patients in compliance with existing payer contracts and internal policies. What you'll be doing Research and resolve credit balances on claims for assigned third-party payers and patients in a timely manner and in accordance with third-party payer requirements and Baxter policies and job aids. Resolve credit balances with payers by appealing claims, submitting corrected claims, requesting reprocessing of claims, or issuing refund payment on claims. Resolve claim balances resulting from payer recoupments (payment takebacks) and process payment moves to balance takebacks and payments. Document and follow up on explanations of benefits (EOBs) from payers. Identify and articulate trending payer issues and notify appropriate leaders in a timely manner. Verify insurance benefits and understand coverage criteria. Demonstrate a clear understanding of the upstream and downstream processes that affect the team. Act as a resource and subject matter expert to Accounts Receivable Specialists, Patient Accounts Receivable Specialists, Billing Specialists, and Cash Applications Specialists; provide input to department and cross-functional meetings. What you'll bring AA or BA/BS degree preferred. 2+ years of medical collections and/or billing required. DME supplier experience preferred with knowledge and understanding of third-party payer requirements. Basic understanding of other revenue cycle functions including billing, cash, and collections. Proficiency with Microsoft Office required. Customer service oriented, with the ability to speak knowledgably to payers, patients, and other stakeholders. Baxter is committed to supporting the needs for flexibility in the workplace. We do so through our flexible workplace policy which includes a minimum of 3 days a week onsite. This policy provides the benefits of connecting and collaborating in-person in support of our Mission. We understand compensation is an important factor as you consider the next step in your career. At Baxter, we are committed to equitable pay for all employees, and we strive to be more transparent with our pay practices. The estimated base salary for this position is $49,600 to $68,200 annually. The estimated range is meant to reflect an anticipated salary range for the position. We may pay more or less than of the anticipated range based upon market data and other factors, all of which are subject to change. Individual pay is based on upon location, skills and expertise, experience, and other relevant factors. For questions about this, our pay philosophy, and available benefits, please speak to the recruiter if you decide to apply and are selected for an interview. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time. US Benefits at Baxter (except for Puerto Rico) This is where your well-being matters. Baxter offers comprehensive compensation and benefits packages for eligible roles. Our health and well-being benefits include medical and dental coverage that start on day one, as well as insurance coverage for basic life, accident, short-term and long-term disability, and business travel accident insurance. Financial and retirement benefits include the Employee Stock Purchase Plan (ESPP), with the ability to purchase company stock at a discount, and the 401(k) Retirement Savings Plan (RSP), with options for employee contributions and company matching. We also offer Flexible Spending Accounts, educational assistance programs, and time-off benefits such as paid holidays, paid time off ranging from 20 to 35 days based on length of service, family and medical leaves of absence, and paid parental leave. Additional benefits include commuting benefits, the Employee Discount Program, the Employee Assistance Program (EAP), and childcare benefits. Join us and enjoy the competitive compensation and benefits we offer to our employees. For additional information regarding Baxter US Benefits, please speak with your recruiter or visit our Benefits site: Benefits | Baxter Equal Employment Opportunity Baxter is an equal opportunity employer. Baxter evaluates qualified applicants without regard to race, color, religion, gender, national origin, age, sexual orientation, gender identity or expression, protected veteran status, disability/handicap status or any other legally protected characteristic. Know Your Rights: Workplace Discrimination is Illegal Reasonable Accommodations Baxter is committed to working with and providing reasonable accommodations to individuals with disabilities globally. If, because of a medical condition or disability, you need a reasonable accommodation for any part of the application or interview process, please click on the link here and let us know the nature of your request along with your contact information. Recruitment Fraud Notice Baxter has discovered incidents of employment scams, where fraudulent parties pose as Baxter employees, recruiters, or other agents, and engage with online job seekers in an attempt to steal personal and/or financial information. To learn how you can protect yourself, review our Recruitment Fraud Notice.

WHO ARE WE: Alerus is a commercial wealth bank and national retirement provider with one core purpose: helping clients achieve their financial goals. We are driven by a shared commitment to always do the right thing; leading with integrity and providing valued advice and guidance to our clients. We value the expertise and skillsets each team member provides and encourage collaboration, innovation, adaptability, and an entrepreneurial spirit at all levels of our company. By consistently seeking improvements and growth, we foster long-term relationships with clients and team members. We are proud to be recognized as a Top Workplace by numerous industry and regional outlets. CORE VALUES: Passion for Excellence :: Success is Never Final :: Do the Right Thing :: One Alerus ABOUT THE ROLE: The Senior Credit Officer reports directly to the Chief Credit Officer and plays a key role in the loan approval process and overall portfolio management for their assigned vertical. Will be the primary contact for commercial lenders, underwriters, product specialists, and senior leadership for all new, renewals, and/or modifications of credit pertaining to C&I Middle Market lending. As such, they will be entrusted to maintain and ensure commercial extensions of credit within their purview are within Alerus' risk appetite, meet loan policy parameters and are properly managed. Position will lead and manage the underwriting team for C&I Middle Market lending, including performance management. WHAT YOU'LL BE DOING: This position is responsible for providing credit support to both Business Advisors and Underwriters on C&I Middle Market credit requests in the decisioning, administering and overseeing of commercial credit as outlined in the bank's loan policy. In partnership with the Business Advisor and Underwriter, develop a comprehensive understanding of customer's financial needs, and formulate a plan of action for loan structure, monitoring, and servicing of loan relationship. Work with Commercial Bankers and credit staff to properly structure credit requests to achieve quality loan growth. Knowledgeable of and ability to propose loan programs as appropriate (SBA, USDA, FSA, etc.) Support the bank's growth and loan quality goals by ensuring that loan policies and procedures are properly adhered to. Approve loans within the positions delegated credit authority and facilitate approvals for relationships requiring higher level of approval. Manage workflow among underwriters, conduct weekly team meetings to discuss workloads and reassign priorities as needed to ensure timely completion in line with client expectations. Provide day-to-day oversight, monitoring, and performance management of staff. Create performance plans and ensure timely reviews for all underwriting staff. Manage ongoing administration of credit relationships through oversight of annual review process, management of ticklers and payment status. Assist, as necessary, with regulatory and internal audit reviews and internal credit reviews. Participate in projects as directed by the CCO as a credit subject matter expert. WHAT YOU SHOULD HAVE: Bachelor's degree or equivalent education, including upper-level courses in finance and accounting. 10+ years of experience working in C&I commercial credit, including approval authority. 5-7 years of experience in personnel management and supervision. Strong desire to build relationships within the Alerus organization and effective working relationships with co-workers in credit and business development positions. Strong problem-solving ability. Professional customer service skills. Strong written and oral communication skills. Strong negotiation and interpersonal relationship skills. Self-starter with established ability to work effectively with minimal day-to-day supervision. WHAT WE BRING TO THE TABLE: Competitive compensation including base salary, bonus and/or incentive opportunities. Comprehensive benefits package providing a wide range of health and well-being benefits, including medical, dental, vision, life and long-term disability insurance; and 401(k) and ESOP for retirement savings. Generous paid time off programs such as flexible time off, company-paid holidays, parental and bereavement leave. Learning and development resources for personal and professional career development, and advancement opportunities. Access to financial experts for guidance, financial wellness tools, and discounts on Alerus products and services. Support for the communities we live in through paid volunteer time and a company donation match opportunity. WORK ENVIRONMENT: Work is typically performed in an office setting. The employee is regularly required to sit for extended periods of time. The employee is occasionally required to move about the office utilizing proper ergonomic safeguards when doing so. Additionally, the employee must occasionally lift or move supplies and materials up to 20 pounds. BASE PAY RANGE: $135,000 - $170,000 per year The above information in this description has been designed to indicate the general nature and level of work performed by employees in this position. It is not designed to contain or be interpreted as an exhaustive list of all responsibilities, duties, and qualifications required of employees assigned to this job. Alerus is an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Established in 1991, Collabera has been a leader in IT staffing for over 22 years and is one of the largest diversity IT staffing firms in the industry. As a half a billion dollar IT company, with more than 9,000 professionals across 30+ offices, Collabera offers comprehensive, cost-effective IT staffing & IT Services. We provide services to Fortune 500 and mid-size companies to meet their talent needs with high quality IT resources through Staff Augmentation, Global Talent Management, Value Added Services through CLASS (Competency Leveraged Advanced Staffing & Solutions) Permanent Placement Services and Vendor Management Programs. 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 Position Description St Cloud MN 56303 Daily review of aging reports to identify invoices that are approaching average collection periods. Contact customers verbally and in writing according to collection policies Monitor the percentages of aged accounts and establish levels of priority on delinquent accounts Support cross-functional projects and teams. Provide accurate and timely reporting of performance metrics Recommends settlement options to management for approval. Expedites the resolution of unpaid customer accounts to maximize receivables. Other duties: Performs other activities as assigned by management. Qualifications Qualifications: Education: High school education or equivalent required. AA/AS in related field preferred. Experience: 2 to 5 years of collection experience or related experience. Must have Office skills (Excel, Word, Outlook) Preferred Experience: Business to Business Collections or Accounts Receivable experience Knowledge of processes and systems utilized, including SAP and collection workflow tool (software). Other Knowledge, Skills, Abilities or Certifications: Ability to take initiative, prioritize and problem solve. Able to be a team player and work in team atmosphere Excellent customer service skills. Strong verbal and written communication skills. Ability to communicate effectively with internal and external customers. Ability to work effectively under deadlines. Ability to understand financial relationships. Analytical, mathematical, technical and problem solving skills. Additional Information To get further details or to apply for this position please contact: Nirav Patel ************ *****************************

We are seeking an experienced Senior Credit Analyst to join our Credit team in St. Louis Park. The Senior Credit Analyst will provide support to the lenders by evaluating the financial condition of individuals and businesses applying for lending credit with the bank. RESPONSIBILITIES: Prepare credit presentations to be used in the credit approval process including cash flow analysis, forecasting of future performance, industry trends, and loan performance histories Collect, review and analyze loan requests, financial information, appraisals, title insurance, etc. for larger, more complex deals Assign risk ratings to support loan requests Prepare annual reviews of existing loan relationships Assist lenders with closings Mentor other Credit Analysts Identify historical trends of businesses or markets Prepare spreadsheets, reports, summaries and recommendations on loan structure/pricing for lenders Conduct property inspections to ensure accuracy Develop and maintain accurate records for lending clients and accounts Assist loan and credit department managers with special projects for managing risks in the lending function Maintain knowledge of all supporting software, compliance, and procedures as they relate to the loan department Assist lenders in maintaining positive relationships with new and existing clients by providing timely feedback to client requests and questions Adhere to the bank's policies, procedures, security requirements and government regulations including (but not limited to) BSA. QUALIFICATIONS: Bachelor's degree in finance, economics, business or related field 3+ years of experience with C&I and/or Commercial Real Estate Superior analytical/reasoning skills Proficiency in Microsoft Word, Excel, PowerPoint and Outlook Excellent written, verbal, and interpersonal communication skills ABOUT BRIDGEWATER BANK: Picture yourself at one of the Twin Cities' best places to work, surrounded by people who challenge you, support you, and inspire you to be your best. Welcome to Bridgewater Bank. We're on a mission to be the finest entrepreneurial bank in the Twin Cities. Like true entrepreneurs, we run fast and lean. We are in constant evolution and the runway for personal and professional growth is long. People are our strength, and that's why we've created and sustained an award-winning culture that promotes growth and celebrates the big and little wins along the way. At the end of the day, we believe competitive salaries, top-tier benefits, and transparency into the business is a given. Working together toward something meaningful with people you enjoy, is just a bonus! Will you join us? COMPENSATION & BENEFITS: The typical annual/hourly base pay range for this role is between $82,900 - $92,200. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance. Bridgewater Bank provides a broad offering of competitive benefits including (but not limited to): Healthcare (medical, dental, vision) Basic term and optional term life insurance Short-term and long-term disability Parental leave 401(k) with employer match Paid vacation & paid holidays PLEASE NOTE: The above is intended to describe the general content of and requirements for this position. It is not to be construed as an exhaustive list of duties, responsibilities, or requirements. It is Bridgewater Bank's policy to promote equal employment opportunities. All personnel decisions, including, but not limited to, recruiting, hiring, training, promotion, compensation, benefits and termination, are made without regard to race, creed, color, religion, national origin, sex, age, marital status, sexual orientation, gender identity, citizenship status, veteran status, disability or any other characteristic protected by applicable federal, state or local law. STATUS: Exempt

Job Description Empowered to live. Inspired to work. Compeer Financial is a member-owned cooperative located in Illinois, Minnesota and Wisconsin. We bring together team members with a variety of backgrounds and experiences to help provide financial services to support agriculture and rural communities. Join us in a culture that not only promotes meaningful work and professional development, but provides a flexible, hybrid work environment and excellent benefits, which empower you to thrive both personally and professionally. How we support you: Hybrid model - up to 50% work from home Flexible schedules including ample flexibility in the summer months Up to 9% towards 401k (3% fixed Compeer contribution plus up to 6% match) Benefits: medical, dental, vision, HSA/FSA, life & AD&D insurance, short-term and long-term disability, wellness program & EAP Vacation, sick leave, holidays/floating holidays, parental leave, and volunteer paid time off Learning and development programs Mentorship programs Cross-functional committee opportunities (i.e. Inclusion Council, emerging professional groups, etc.) Professional membership/certification reimbursement and more! Casual/seasonal & intern team members are not eligible for benefits except for state-mandated programs. To learn more about Compeer Financial visit ************************ Where you will work: This position offers a hybrid work option (up to 50% remote) and is open to any Compeer office location in Illinois, Minnesota and Wisconsin. The contributions you will make: This position collaborates with internal sales and credit teams across business units to originate and service financing packages, including those that involve the use of government-sponsored programs or external funding partners. Applies knowledge of governmentally sponsored financing programs from agencies such as USDA Rural Development and the Small Business Administration in order to contribute the preparation, review and submission of program financing applications. Provides support for financial analysis and underwriting on a variety of Compeer and Agri-Access counterparties, including local banks, Farm Credit System entities and other funding partners. Contributes to the closing and servicing processes to ensure compliance with government regulations and reporting requirements as well as requirements specific to the financing agreements. A typical day: Industry Knowledge and Application Develops and maintains working knowledge of government guarantee financing programs (e.g., those delivered by USDA Rural Development, the Small Business Administration and federal and state agencies) and applies it to the origination and servicing of financing packages, clearly communicating program requirements and expectations to all participants. Contributes to the education of internal team members, clients/prospects and financing partners about government sponsored financing programs. Prepares and updates reference resources to help stakeholders understand program guidelines, eligibility criteria and requirements. Researches program updates, working with senior team members to summarize and communicate key changes and identify opportunities. Financing Origination Process Contributes to the preparation and submission of government guarantee program financing applications, serving as a contact with government program delivery staff and communicating directly with clients/prospects. Evaluates initial eligibility, flagging issues and ensuring that applications are accurate, complete and align with program guidelines. Resolves routine program-related matters and explains general guidelines, regulations and requirements to team members and outside partners. Escalates or provides support to senior team members in the resolution of complex issues. Reviews financing approval documentation from government agencies to ensure compliance with Compeer conditions and client expectations. Reviews legal documentation prior to closing to ensure compliance with government program approval requirements and identifies discrepancies or issues. Participates in the preparation of investment eligibility and approval requests from regulating bodies and funding bank, when applicable. May market to and participate in the performance of government guarantee packaging services for outside lenders similar to those services provided to internal team members. Financing Servicing Process Works with sales and credit teams in servicing of existing financing to monitor credit quality and compliance with financing covenants and government financing program requirements. When applicable, assists with construction monitoring duties such as draw request review and approvals, construction budget tracking and other general construction monitoring services in compliance with government financing program requirements and in collaboration with other team members. Shares ongoing reporting information with financing partners, bond trustees and other third parties involved to ensure compliance with legal documents and partner requirements. Completes reporting obligations for USDA, SBA and other governmental agencies whose financing programs are utilized. Counterparty Analysis Works jointly with lending officers to determine and request information needed to analyze current and prospective financing partners. Contributes to preparation of credit narratives for Credit Committee approval after communicating with internal and external team members. Assists with the analysis of financial statements and supporting documentation of current and prospective financing partners where recommendations are made to Credit Committee related to approval and limits of approval for counterparty financing institutions. The skills and experience we prefer you have: Bachelor's degree in business administration, finance, economics, or related field or an equivalent combination of education and experience sufficient to perform the essential functions of the job. Proficient experience in commercial lending, credit analysis, government guarantee financing program delivery or similar roles. Basic understanding of government guarantee financing programs, including those under USDA Rural Development, the Small Business Administration and other federal and state government programs, needed to educate team members and outside parties about specific government financing programs. General understanding of credit processing and financing servicing activities, accounting principles and practices, credit analysis, credit administration, construction financing monitoring and portfolio management. Collaborative team-player who can succeed in an environment where success is determined as a team. Skill in developing and maintaining interpersonal relationships inside and outside of the organization. Analytical and time management skills with attention to detail. How we will take care of you: Our job titles may span more than one career level (associate, senior, principal, etc.). The actual title and base pay offered is dependent upon many factors, such as: training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role is eligible for variable compensation and other benefits. Base Pay$66,000-$111,400 USD Compeer Financial is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. Must be authorized to work for any employer in the United States. Compeer is unable to sponsor or take over sponsorship of an employment visa at this time. Click here to view federal employment laws applicable for applicants.

Graco manufactures and markets premium equipment to move, measure, control, dispense and spray a wide variety of fluid and powder materials. What does that mean? Well, we pump peanut butter into your jar, and the oil in your car. We glue the soles of your shoes, the glass in your windows and the screen on your phone. We spray the finish on your vehicle, coatings on your pills, the paint on your house and texture on your walls. Graco is part of your daily life. The Graco Intern Program offers more than just work experience-it's a chance to make an impact. As an intern, you'll take on projects that matter to the business, contribute to initiatives that drive progress, and develop skills that prepare you for what's ahead. Throughout the program, you'll expand your industry knowledge, collaborate with professionals who are passionate about doing things the right way, and experience a culture that thrives on new ideas and continual growth. You'll also take part in events designed to support both your learning and personal development. The program concludes with a final presentation where you'll showcase your achievements and the difference you've made. Credit and Collections Intern Job Purpose: The position will support the Accounts Receivable Team. As an Intern, one will get exposure to the credit and cash application departments and learn more about Graco as a company. Graco is a global leader in the design, development and manufacture of highly-engineered systems for numerous industrial and commercial applications. We have excellent corporate opportunities including positions in accounting, finance, information technology, purchasing, marketing, communications and human resources. Graco was proud to be named a Best Place to Work in Manufacturing and Production by Fortune Magazine in 2016, 2018, & 2019. Essential Duties: Analyze department metrics for ideal utilization Assist with projects involving ERP conversion and data integrity Assist with implementation of the cash automation system Assist credit representatives with customer debits Work with cash application specialists to align deductions and repayments Work on special projects May have contact with customers by phone and/or email Position Requirements: High School Graduate Minimum one year of college with a major or concentration in Accounting, Finance, or economics is required (can be a student seeking a two-year degree in accounting Strong team player with the ability to work with internal and external customers Ability to organize and prioritize workload Analytical and problem-solving skills with attention to detail Good communication skills Strong PC and MS Excel skills At Graco, you truly make a difference. Your unique talents contribute to our organizational growth and future. Not only do you make a difference, but Graco's culture empowers employees to create their own career path. Whether you choose to advance within your current department or explore new opportunities in different divisions, you have the ability to build your future. Our managers are here to provide support and guidance as you continue to grow within your career. Graco has excellent opportunities available to individuals who want to be part of a fast-moving, growing company that is committed to quality, innovation and solving fluid handling problems for our customers. Graco is proud to be named a Best Place to Work by Fortune Magazine in 2016, 2018, 2019, 2021 & 2022. Graco offers attractive compensation, benefits and career development opportunities. Graco's comprehensive benefits include medical, dental, stock purchase plan, 401(k), tuition reimbursement and more. Our company uses E-Verify to confirm the employment and eligibility of all newly hired employees. To learn more about E-Verify, including your rights and responsibilities, please visit ********************* The base pay range for this position is listed below, exclusive of fringe benefits or other compensation. If you are hired, your final base hourly rate will be determined based on factors such as geographic location, skills, competencies, education, and/or experience. In addition to those factors, we will also consider internal equity of our current employees. Please keep in mind that the range provided is the full base salary range for the role. Hiring at or near the maximum of the range would not be typical to allow for future and continued salary growth. $16.00 - $27.00

Wright-Hennepin Cooperative Electric Association is a member-owned, not-for-profit electric utility that provides power to rural Wright County and western Hennepin County. The cooperative has been a corporate citizen to the area since 1937 and currently serves more than 59,000 electric accounts. Join Our Team as a Billing/Member Credit Specialist! Are you ready to make an impact? In this role, you'll be at the heart of our financial operations-driving accurate cycle billing and seamless payment processing. You'll bring your expertise in credit, collections, billing, and technology to ensure our cooperative delivers exceptional service and value to every member. We're looking for someone who thrives on precision, embraces deadlines, and is eager to grow through training and skill development. If you're passionate about accuracy, efficiency, and making a difference, this is your opportunity to shine! Location: This is a full-time in-office position at our company headquarters. We are based in Rockford MN, 15 miles west of Plymouth on Hwy 55. Pay & Benefits: Pay Range - $22.30-$25.20/hour depending on experience and qualifications WH offers a comprehensive health insurance plan including medical, dental, and vision coverage. WH also offers a generous company 401K match and contributions to a Health Savings Account. Employees have the potential to receive an annual bonus. Paid time off and paid holidays are provided. Other benefits include tuition reimbursement programs, flexible spending account access, dependent care FSA, and more. Responsibilities/Functions Collect on Aged Receivables Process payments and Drive Collections on Aged Receivables: Handle customer payments promptly and accurately while proactively monitor and collect outstanding balances using all available tools and resources. Stay Ahead of Past Due Accounts: Issue past-due and reminder notices to keep accounts current. Deliver Exceptional Customer Support: Remain available to assist members promptly. Maintain Accurate Payment Records: Update card information, process funds, and ensure account integrity. Ensure Compliance: Maintain consistent, professional practices when handling delinquent accounts. Communicate Effectively: Correspond with customers and maintain thorough documentation. Coordinate Service Actions: Order and manage disconnects/reconnects as needed to uphold service standards. Oversee Multiple Entities: Manage aging, collections, and payment contacts for both WH and WH Holding businesses. Handle Sensitive Cases: Process bankruptcies with accuracy and confidentiality. Billing Keep Things Current: Update addresses, statements, and hotline info so everything stays fresh and accurate. Own the Payment Flow: Handle daily payments like a pro-drafts, lockbox, cash, EFT, and credit cards. Spread the Good Vibes: Process credit refunds and prep member/customer lists for authorization. PDF Power: Process statements with precision and speed. Crunch the Numbers: Analyze and prep bill calculations Plan Like a Boss: Create monthly calendars for billing and collections that keep the team in sync. Show Off Your Work: Prepare board reports that shine. Support The Finance Team Be a Team Player: Jump in to assist other teams whenever your supervisor calls on you. Reporting Rockstar: Deliver accurate and timely weekly and monthly reports with confidence and clarity. Project Power: Contribute to special projects that drive impact across the organization. Plan & Execute: Complete assigned tasks from the Financial Services Department's annual work plan with precision and professionalism. Requirements Education and Experience High School education or equivalent Credit & Collection training or equivalent work experience Billing knowledge Knowledge, Skills and Abilities: Comfortable with High-Volume Administrative Tasks Detail-Oriented in Handling Routine Office Processes Ability to analyze and make accurate decisions Ability to work without close supervision Good communication skills General knowledge of computer applications Knowledge of W-H and associated businesses products Self-motivated Sound work ethic Strong influencing and negotiating skills Solid leadership skills Clear and confident call handling skills Salary Description $22.30-$25.20 per hour

Coon Rapids, Minnesota **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 serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. **Responsibilities:** + Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities + Assists, educates, and trains clients on conducting simple transactions through self-service technologies + Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy + Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping + Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements **Required Qualifications:** + Minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment + In lieu of one year of sales experience, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I) or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months + Enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client + Collaborates effectively to get things done, building and nurturing strong relationships + Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives + Confident in identifying solutions for helping new and existing clients based on their needs + Strong written and verbal communications skills + Can communicate effectively and confidently and is comfortable engaging all clients (in-person and by phone) + Ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances + Applies strong critical thinking and problem-solving skills to meet clients' needs + Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously + Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws) + Must be able to work weekends and/or extended hours and travel to any financial center location within a reasonable distance **Desired Qualifications:** + Associate's Degree or Bachelor's Degree in business, finance or a related field + Experience working in a financial center where goals were met or exceeded + Retail and/or sales experience in a salary plus incentive environment + Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded + Experience with financial information, spreadsheets and financial skills + Knowledge of banking products and services + Strong computer skills including Microsoft applications and previous experience utilizing laptop technology **Skills:** + Active Listening + Business Acumen + Customer and Client Focus + Oral Communications + Problem Solving + Account Management + Client Experience Branding + Client Management + Client Solutions Advisory + Relationship Building + Business Development + Pipeline Management + Prospecting + Referral Identification + Referral Management **Minimum Education Requirement:** High School Diploma / GED / Secondary School or equivalent **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.

TopLine Financial Credit Union has been a member-owned financial services cooperative since 1935. We are looking for outgoing individuals to join our Maple Grove West team that is dedicated to building life-long relationships to help our members reach and manage their financial goals. Consumer Loan Officer are responsible for establishing and/or strengthening member relationships by providing information on credit union services and identifying and acting on cross-sales and referral opportunities. Promotes and participates in a sales and service culture which endorses TopLine's mission of exceeding member expectations. Consistently provides Red Book Service while communicating effectively and professionally in each interaction with members and staff. A successful Consumer Loan Officer will be able to do: Provide top notch customer service to our members by providing a warm, friendly face and delivering personal service to meet each member's individual needs. Work with members to take loan applications and originate and close consumer loans (including auto, personal, credit card, and boat & RV loans) and home equity loans Cross-sell consumer credit union products and services (such as GAP warranty and debt protection) to qualified members. Lenders will also work to meet personal and branch monthly production goals for loan products. Open and close personal and business accounts such as Money Market accounts, Certificates of Deposit, checking accounts, and savings accounts. Help branch staff and members in resolving account-related problems. Qualifications: A High School degree or equivalent A minimum of 2 years of lending and/or sales experience. Ability to work with numbers and the ability to work well under pressure. Capability to work independently, prioritize, and meet monthly goals. Great customer service and communication skills. Salary Range: $18.50 - $23.13 (hourly) How are Consumer Loan Officers paid? Our Member Service Specialist get paid a competitive base wage plus a generous monthly incentive payout. The best part is that there is no earning cap so there is no limit on how much you can earn! Benefits: 401(k) with Employer Match Dental Disability Insurance Employee Perks Flexible Spending Accounts Life Insurance Medical Paid Holidays Paid Time Off Pet Insurance Referral Program Vision Ready to take the next step with us, apply now at ********************************** At TopLine Financial Credit Union, we celebrate diversity by offering a work environment that is shaped by individual respect and mutual trust where every individual can thrive. We are proud to be an Equal Opportunity/ Affirmative Action Employer committed to diversity in the workplace and comply with all applicable federal, state, and local laws regarding non-discrimination and affirmative action.

You will be responsible for working with our clients, foreign and domestic, and our attorneys to ensure our invoices are paid on a timely basis. Responsibilities: Process monthly domestic and foreign statements of account Process systematic collection letters for those accounts that are PAST DUE Contact individual clients directly by phone and email to resolve and collect outstanding balances Work with clients and attorneys to resolve any discrepancies with our invoices Maintain electronic collection files 6. Miscellaneous accounting tasks as required Knowledge, Skills and Abilities Required: • Two years of credit/collection experience desired • Post-secondary education preferred • Experience in the Microsoft Office Suite • Strong attention to detail and problem solving skills • Ability to organize and prioritize numerous tasks and complete them under time constraints • Ability to work independently and with minimal supervision • Excellent written communication skills required • Interpersonal skills necessary in order to communicate with a diverse group of clients, attorneys, and staff in order to provide information with courtesy and tact.