Credit analyst jobs in Saint Louis, MO - 31 jobs

At Midland States Bank, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of short-term incentives (i.e. bonus and/or commission) and may include long-term incentives (i.e. stock awards). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, an Employee Stock Purchase Plan, 401K plan with company match and may include the opportunity to participate in our Non-Qualified Deferred Compensation plan. Incentives and benefits are subject to eligibility requirements. Salary Range: $65,000-$85,000/annually Position Summary This position is expected to have greater than 3 years of credit analysis experience. A comprehensive understanding of processes, policies, regulation and rules is expected at this level. This position is responsible for spreading and analyzing commercial and consumer financial information. The analysis is compiled into a Credit Approval Form. Ability to train and review work of less experienced analysts. Acts as a resource for the lending team, identifying and analyzing risk as well as performing research as needed. As a member of the Credit Administration team, this individual will be expected to contribute to the improvement of the department. Persons at this level may have credit approval authority. This individual will be held accountable for credit quality and personal goals. Primary Accountabilities * Fully understand and implement all aspects of all loan policies and bank regulations. * Meets or exceeds all goals established * Attends department and bank meetings as required * Accepts other duties and responsibilities as assigned * Maintains positive attitude * Abides by all bank policies and procedures * The role requires occasional travel for training and team meetings, and willingness to travel periodically, to locations within market as needed. * May require work in a Midland office to ensure collaboration and support of internal and external customers. * Maintain compliance with all applicable regulations including, but not limited to, the Bank Secrecy Act (BSA). * Other duties as assigned. * Commercial Credit Analysts: * Spreads financial information by using the bank's financial software * Perform analysis as requested and on the largest and most complex loan relationships * Complete Credit Approval Forms (CAF) for large and complex credit relationships Position Qualifications Education: * Bachelor's Degree or experience equivalency * 3+ years credit/risk analysis experience Competencies/Other Skills: * Business insight * Cultivates innovation * Drives results * Makes sound decisions * Being a brand champion * Collaborates * Communicates effectively * Customer focus * Being Authentic * Emotional Intelligence * Self development * Being flexible and adaptable At Midland States Bank, we believe that when we can bring our whole selves to work each day, we become happier, more comfortable, more confident and more excited to do great things for our customers, each other and our company. We're proud to be an Equal Opportunity and Affirmative Action employer. At Midland, we recruit, employ, train, compensate and promote without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. If you are looking for a place to grow, we encourage you to apply at Midland States Bank, because you belong here. If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to Midland States Bank Human Resources at ****************. THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT

RiVidium Inc (dba, TripleCyber) is seeking a Vulnerability Assessment Analyst who performs assessments of systems and networks within the NE or enclave and identifies where those systems/networks deviate from acceptable configurations, enclave policy, or local policy. Measures effectiveness of defense-in-depth architecture against known vulnerabilities. TASKS: Analyze organization's cyber defense policies and configurations and evaluate compliance with regulations and organizational directives. Conduct and/or support authorized penetration testing on enterprise network assets. Maintain deployable cyber defense audit toolkit (e.g., specialized cyber defense software and hardware) to support cyber defense audit missions. Maintain knowledge of applicable cyber defense policies, regulations, and compliance documents specifically related to cyber defense auditing. Prepare audit reports that identify technical and procedural findings, and provide recommended remediation strategies/solutions. Conduct required reviews as appropriate within environment (e.g., Technical Surveillance, Countermeasure Reviews [TSCM], TEMPEST countermeasure reviews). Perform technical (evaluation of technology) and nontechnical (evaluation of people and operations) risk and vulnerability assessments of relevant technology focus areas (e.g., local computing environment, network and infrastructure, enclave boundary, supporting infrastructure, and applications). Make recommendations regarding the selection of cost-effective security controls to mitigate risk (e.g., protection of information, systems and processes). ABILITIES: Skill in conducting vulnerability scans and recognizing vulnerabilities in security systems. Skill in assessing the robustness of security systems and designs. Skill in detecting host and network based intrusions via intrusion detection technologies (e.g., Snort). Skill in mimicking threat behaviors. Skill in the use of penetration testing tools and techniques. Skill in the use of social engineering techniques. (e.g., phishing, baiting, tailgating, etc.). Skill in using network analysis tools to identify vulnerabilities. (e.g., fuzzing, nmap, etc.). Skill in reviewing logs to identify evidence of past intrusions. Skill in conducting application vulnerability assessments. Skill in performing impact/risk assessments. Skill to develop insights about the context of an organization's threat environment Skill to apply cybersecurity and privacy principles to organizational requirements (relevant to confidentiality, integrity, availability, authentication, non-repudiation). Requirements: Bachelor degree or higher from an accredited college or university Prefer an accredited Computer Science, Cyber Security, Information Technology, Software Engineering, Information Systems, or Computer Engineering degree; or a degree in a Mathematics or Engineering field. Certifications: IAT Level 2 and Two Penetration Testing Certifications (e.g., GPEN, GWAT, GCIH, CEH, GPYC, LPT, CPT).

Why Stifel Stifel strives for a culture that puts its clients and associates first: a culture where everyone belongs, everyone is welcome, and everyone contributes to the success of our clients, their careers, and the firm as a whole. Let's talk about how you can find your place here at Stifel, where success meets success. What You'll Be Doing The Bank Credit Risk Analyst is a key contributor to the Credit Analytics team, supporting the development and maintenance of credit risk models and reporting processes. This role focuses on preparing and analyzing financial statements, assisting with CECL model development, and using data analytics to support decision-making. The position requires strong analytical skills, attention to detail, and the ability to collaborate across departments to ensure accurate and timely risk reporting. What We're Looking For Support CECL model development, testing, and enhancements under guidance of the Credit Risk Officers. Analyze financial performance and translate findings into credit risk implications. Prepare, spread, and review financial statements for CECL modeling, analysis, and dashboard reporting. Ensure accuracy and completeness of data used in CECL models. Develop and present data visualizations to communicate risk insights. Articulate the results of the model to senior executives including CFO, CAO, and CCO. Maintain detailed documentation of modeling processes and regulatory reports. Collaborate with cross-functional teams to meet data and reporting needs. Assist Chief Credit Officer and Credit Risk Officer with special projects including board reports, internal financial reporting, and regulatory reporting support. What You'll Bring Ability to translate complex data into clear, actionable insights. Strong proficiency of financial statements and general understanding of banking terminology. Ability to connect financial performance with credit risk implications. Working knowledge of data collection (i.e., gathering, sorting, cleaning, and analyzing data from various sources). Familiarity with Statistical Analysis concepts and tools. Exceptional attention to detail and accuracy. Strong organizational skills. Education & Experience Minimum Required: Bachelor's degree in Finance, Accounting, Economics, Data Science, Statistics, Mathematics, Computer Science, or a related field or equivalent experience. Minimum Required: No experience required; 1+ years' of experience in finance or related field preferred. Licenses & Credentials Minimum Required: None. Systems & Technology Proficient in Microsoft Excel, PowerPoint, Word, and Outlook. Advanced proficiency in Microsoft Excel (pivot tables, formulas) preferred. Familiarity with programming languages, R, SQL, and PowerBI preferred. About Stifel Stifel is more than 130 years old and still thinking like a start-up. We are a global wealth management and investment banking firm serious about innovation and fresh ideas. Built on a simple premise of safeguarding our clients' money as if it were our own, coined by our namesake, Herman Stifel, our success is intimately tied to our commitment to helping families, companies, and municipalities find their own success. While our headquarters is in St. Louis, we have offices in New York, San Francisco, Baltimore, London, Frankfurt, Toronto, and more than 400 other locations. Stifel is home to approximately 9,000 individuals who are currently building their careers as financial advisors, research analysts, project managers, marketing specialists, developers, bankers, operations associates, among hundreds more. Let's talk about how you can find your place here at Stifel, where success meets success. At Stifel we offer an entrepreneurial environment, comprehensive benefits package to include health, dental and vision care, 401k, wellness initiatives, life insurance, and paid time off. Stifel's bank and trust companies are equal opportunity employers. All candidates will be considered without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, veteran status, genetic information or any other protected characteristic under applicable law. If you would like more information regarding Equal Employment Opportunity rights and protections, please review the following information: Know Your Rights. Stifel is an Equal Opportunity Employer.

NISA Investment Advisors, LLC (NISA) offers customized investment solutions for tax-exempt and taxable institutional clients. NISA manages over $295 billion in fixed income and equity securities and over $165 billion in derivative notional value. We seek bright, motivated individuals who can contribute to our growing team of professionals. Candidates with a high degree of independent thinking skills, strong analytical and quantitative skills, and team playing abilities are encouraged to apply. Responsibilities The Credit Research Analyst is a member of the Credit Research Team within the Portfolio Management Group. Collectively, the Portfolio Management Group is responsible for all credit investment and portfolio management activities. Bottom-up, fundamentally driven analysis and relative value opinions are at the core of the Credit Research Team's contribution. The Credit Research Analyst will assist the senior team members in maintaining coverage across multiple sectors. The candidate is responsible for: * Conducting extensive company and industry analysis and research * Building and maintaining detailed company financial models * Communicate investment ideas based on fundamental and relative value analysis * Maintaining an active dialogue with other members of the Portfolio Management Group as well as various external parties including sell-side analysts, rating agencies and company management teams * Actively monitoring investment positions across client portfolios * Completing various ad hoc assignments and projects Qualifications * Bachelor's degree in Finance, Economics, Accounting or related field * 3-7 years of relevant finance industry experience- direct equity or credit research experience is preferred * Achieved or working toward an advanced degree (e.g., MBA) or professional designation (e.g., CFA) is preferred * Familiarity with techniques and technologies related to quantitative/statistical analysis (e.g., Python) and Excel is preferred * Candidates must have a strong analytical background and the ability to interpret and synthesize large quantities of information from technical journals, financial reports and legal documents * Ability to work successfully in a team environment * Drive to perform at a high level under pressure and time constraints NISA's culture encourages collaboration and innovation. We seek self-motivated, intellectually curious individuals willing to push themselves and others in an environment that celebrates fresh thinking. We equip employees with the resources needed to excel and we encourage personal development. NISA is dedicated to internally cultivating and rewarding talent. Employees at NISA are provided with a wide range of benefits, including a complimentary onsite cafeteria, gym, health and wellness program, and educational assistance program. NISA is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.

ATTENTION MILITARY AFFILIATED JOB SEEKERS - Our organization works with partner companies to source qualified talent for their open roles. The following position is available to Veterans, Transitioning Military, National Guard and Reserve Members, Military Spouses, Wounded Warriors, and their Caregivers. If you have the required skill set, education requirements, and experience, please click the submit button and follow the next steps. As our new Operations Support Specialist, you will support the Workforce Solutions Operations group. This is a dynamic team that supports several product lines, and these products help enable our customers to live their financial best. You will play a key role on the team by harvesting the data they need to efficiently get their jobs done. And the best thing, no two days are the same, as internal and external partners, along with the states we work with, all do their work differently. This allows you to learn every single day and become an expert in the various processes our partners employ, in order to help the Operations team to improve our own support model. What you'll do: Validate incoming WOTC data (Tax Credit Questionnaires, 8850s and state forms) in various mediums (paper and electronic) to ensure completeness and process IRS 8850 forms and route to the Department of Labor in a timely manner to secure potential tax credits You will assist with resolving technical issues such as edit indexed data, quality control for external error processing, file load issues, etc. You will work with team members, internal stakeholders and states to identify and solve challenges that could impact potential tax credits ·Lead continuous improvement events resulting in employee skill, knowledge development, and performance improvement Develop and implement appropriate operational procedures to meet timely and high-quality deliverables Establish, monitor, and report on operation/production issues, business improvement opportunities, and operational achievements Pull, process, and key WOTC Determinations from the states (Certifications, Denials, and Needs) Support Employer Representative Declaration submissions to the states Process forms in the WOTC Operational Inbox What experience you need You hold a Bachelor's degree or you have an equivalent combination of education and related professional experience Minimum of 1 - 2 years of office experience You are proficient in data entry and have relatable software experience What could set you apart Knowledge of G Suite Strong organizational skills You have excellent verbal and written interpersonal skills, demonstrating an ability to support our partners with their questions and technical needs with guided career tracks.

City : Chesterfield State : Missouri (US-MO) Country : United States (US) Requisition Number : 42476 This internship role will work closely with credit leadership in North America on several initiatives, as well as daily credit management activities that help manage risk and maintain exposure within tolerances. Responsibilities: * Assist with the ongoing credit review processes * Prepare credit investigations for existing and new business counterparties (customers, suppliers, logistics companies, warehouses, banks) * Obtain, review and analyze financial information, bank and trade references, third party credit reporting, counterparty websites, country risk data, trade and logistics details, sanctions screening, and internal payment/performance experience as applicable * Liaison with credit team members to oversee A/R, Past Dues and Over Credit Limits. * Prepare & provide timely reporting and analysis to management * Enter appropriate data into the credit system and source systems of the company * Assist with analysis and validation of existing Scoring Models. Aid in standing up visualization of Scorecard data elements to enhance credit reporting and expedite credit analysis. Qualifications/Requirements: * Minimum 2 years of college level coursework and/or applicable trade school program, working towards a Bachelor's degree in Business, Finance, Accounting, Economics, or Computer Science preferred * Ability to effectively work as part of a fast-paced, dynamic and highly motivated team with strong attention to detail * Strong analytical, organizational, time management, interpersonal and communication skills * Proficiency in Microsoft Office applications and/or Tableau preferred * Strong mathematics and quantitative skills are a plus At Bunge (NYSE: BG), our purpose is to connect farmers to consumers to deliver essential food, feed and fuel to the world. As a premier agribusiness solutions provider, our team of ~37,000 dedicated employees partner with farmers across the globe to move agricultural commodities from where they're grown to where they're needed-in faster, smarter, and more efficient ways. We are a world leader in grain origination, storage, distribution, oilseed processing and refining, offering a broad portfolio of plant-based oils, fats, and proteins. We work alongside our customers at both ends of the value chain to deliver quality products and develop tailored, innovative solutions that address evolving consumer needs. With 200+ years of experience and presence in over 50 countries, we are committed to strengthening global food security, advancing sustainability, and helping communities prosper where we operate. Bunge has its registered office in Geneva, Switzerland and its corporate headquarters in St. Louis, Missouri. Learn more at Bunge.com. Every day our people exemplify these values, which represent Bunge at its core: * We Are One Team - Collaborative, Respectful, Inclusive * We Lead The Way - Agile, Empowered, Innovative * We Do What's Right - Safety, Sustainability, With Integrity If this sounds like you, join us! We value and invest in people who believe in our purpose and are excited to live it every day - people who are #ProudtoBeBunge Nearest Major Market: St Louis Job Segment: Computer Science, Credit, Agricultural, Risk Management, Credit Analyst, Technology, Agriculture, Finance

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: The AB (Asset-Based) Portfolio Specialist manages a portfolio of asset-based structured loans in a variety of industries. The AB Portfolio Specialist is responsible for actively monitoring financial and collateral trends and recommending appropriate action. Responsibilities also include reviewing requests for loan modifications, analyzing financial performance, negotiating terms, drafting proposals, reviewing documents, and preparing recommendations for approval. The FAM Specialist (“Specialist”) is responsible for the timely completion of accurate financial statement spreads and risk ratings in support of underwriting new credit requests, renewals, and traditional portfolio monitoring. The Specialist will also perform annual reviews on client relationships in alignment with Business Unit policy and procedures. Responsibilities: Build trust and strong relationships and proactively drive engagement with Underwriting, Credit Executive and Client team partners. Spread and analyze complex financial information, including Personal Financial Statements, Brokerage statements, Personal Tax Returns and Schedule K-1s, Business financials, etc. for high-net-worth clients. Accurately risk rate clients using regulatory definitions, good credit judgement and the Risk Rating Scorecard tool. Effectively and concisely communicate spreading and risk ratings outcomes with key business partners. Understand and leverage tools, systems, and applications used in day-to-day functions such as Excel, Outlook, GUS, Loan IQ, EDR, Risk Rating Scorecard, etc. Understand and accurately apply risk rating scorecard and spreading guidance. Required Qualifications: Experience: 3-5 years in credit analysis, accounting, financial analysis, or a closely related credit risk role, including financial covenant testing and the ability to interpret and apply Commercial credit agreement terminology and concepts. Policies and Procedures: 2+ years of credit analysis experience with Commercial credit policies and procedures Technical Skills: Proficient in interpreting various Commercial loan documents. Credit Analysis: Strong working knowledge of commercial loan structures and financial statement analysis, including personal financial statements, brokerage statements, rent rolls, and NOI statements; ability to identify and escalate early signs of credit deterioration, within the Commercial credit structure. Operational Support: Exposure to GMS/Tableau reporting, documentation management, and process improvement. Project Coordination: Capable of independently running analysis on credit supported small projects and streamlining team operations. Systems Knowledge: Working proficiency with Commercial loans, collateral, client data and workflow systems along with SharePoint, and Adobe Acrobat. Desired Qualifications: Bachelor's degree in Accounting, Finance or equivalent experience System knowledge of LIQ, PACE, GMS, GUS, EDR, Genesis, Image Trust, Navigator, SharePoint , KYC, Adobe Acrobat Standard Skills: Attention to Detail Client Management Decision Making Underwriting Credit Documentation Requirements Critical Thinking Portfolio Management Problem Solving Written Communications Financial Analysis Negotiation Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40

Description: located in St. Louis, MO. About Us: At INB, a career is more than just a job; it's a chance to make a meaningful impact in the communities we serve. As a locally owned, community-focused bank, we're proud to help individuals, families, and businesses achieve their financial goals through personalized service and trusted relationships. Our success is driven by a team that genuinely cares about our customers, our coworkers, and our community. When you join INB, you're not just joining a workplace; you're becoming part of a purpose-driven culture built on our core values: Caring, Creative, Teamwork, Balance, Working Smart, and Assertive & Enthusiastic. Together, we make a positive difference every day for our customers and for each other. Summary Evaluate the financial condition of commercial loan borrowers (individuals/businesses) using analytical, organizational, and communication skills. We seek a team player who will develop working relationships with lending/credit staff. Requirements: Essential Duties and Responsibilities include the following. Other duties may be assigned. Spread and analyze corporate and individual financial statements and tax returns. 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. Assign risk ratings to support loan requests Maintain knowledge of all supportive software, compliance, and procedures as they relate to the loan department Studies economic trends in firm's industry or branch of industry to predict probable success of new customer. Adhere to the bank's policies, procedures, security requirements and government regulations. Working knowledge of loan policy and guidelines to assist in appropriate structuring. Prepare annual loan reviews of existing loan relationships to ensure complete information, communicating with lenders regarding missing information and applicable questions. Create and update covenant compliance checks. Occasional travel to Springfield, IL corporate office for department meetings or training. Supervisory Responsibilities This job has no supervisory responsibilities. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Excellent verbal and written communication skills. Ability to analyze financial statements/tax returns (profit and loss, balance sheet, and cash flow statements). Strong analytical skills and resourcefulness necessary to complete in-depth industry and market analysis. Ability to multi-task in a fast-paced environment. Strong attention to detail and accuracy while working independently to establish priorities and meet deadlines. Education and/or Experience Bachelor's degree in finance, accounting, or related field with a minimum of 7 years credit-related experience in banking or an accounting related field. Computer Skills Strong proficiency in PC application, including various software systems, including Microsoft Word and Excel and banking systems. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Group Insurance Benefits and Plans INB provides health, dental, vision, and life insurance benefits to all full-time employees. Coverage also is extended to their eligible dependents. Active employees make premium contributions based on plan selections. Please click the link below for all benefits that are offered. ************************************************************************************************************** The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions. ADA Disclaimer: In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for American with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis. INB, N.A. is committed to Equal Employment Opportunity with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment. It is INB's policy to afford equal opportunity to all employees and applicants for employment without regard to race, creed, color, sex, sexual orientation, age, marital status, national origin, disability, religion, veteran status, or any other basis prohibited by law. The EEO Law poster is available here: Know Your Rights: Workplace discrimination is illegal

ROLE OVERVIEW We are seeking a Business Credit Analyst, this role plays an important part in evaluating commercial loan requests and supporting the growth of our business lending portfolio. You'll analyze financial data, assess risk, and prepare loan proposals that align with our credit union's standards and member-focused values. This position requires strong analytical skills, attention to detail, and a collaborative mindset. KEY RESPONSIBILITIES Work closely with the Asst. Vice President of Business Lending to build relationships with prospective business members and meet annual portfolio growth goals. Review and underwrite business loan applications in accordance with established policies and guidelines. Analyze financial statements, tax returns, credit reports, and other data to assess loan profitability and risk. Utilize Sageworks and other underwriting software to support credit analysis and documentation. Evaluate collateral sources and monitor the financial health of business borrowers. Prepare comprehensive loan proposals for presentation to the Loan Committee. Ensure loan files are complete, accurate, and compliant prior to closing. Serve as a subject matter expert on business lending products and procedures. PREFERRED QUALIFICATIONS Bachelor's degree in Finance, Accounting, Economics, or a related field (preferred but not required). 2+ years of experience in credit analysis, commercial lending, or financial services. Proficiency in Microsoft Word, Excel, and financial analysis tools. Strong understanding of financial statements and business tax returns. Excellent communication skills and ability to work in a member-focused, sales-oriented environment. Collaborative team player with strong problem-solving abilities. Professional demeanor and commitment to credit union policies and service standards.

The Associate Credit Analyst position is a pivotal role, serving as the dedicated single point of contact for Correspondent Lending clients. The primary goal of the Associate Credit Analyst is assisting the Correspondent Lenders in clearing suspense conditions and identifying bottlenecks that would delay their pipelines from being purchased timely. This critical position significantly contributes to maintaining Citibank's commitment to superior credit quality, an outstanding customer experience, and operational excellence. It requires a highly detail-oriented individual with strong problem-solving abilities, exceptional communication skills, and a dedication to client advocacy in a fast-paced lending environment. Key Responsibilities: Serve as a single point of contact for Correspondent Lenders, providing guidance and support throughout the suspense condition resolution process. Review and clear income, asset, and credit documentation submitted to address suspense conditions in accordance with both Agency and Non-Agency guidelines. Monitor, maintain, and manage a daily pipeline, ensuring adherence to service level agreements and timely completion of reviews. Review mortgage documentation from application through closing with comprehensive knowledge of the end-to-end origination process. Ensure compliance with regulatory requirements, including RESPA and TILA. Deliver exceptional customer service by working rebuttals, escalations and scenarios submitted by the Correspondent Lender. Support Account Executives by contributing to client-relationship strategies and maintaining strong working partnerships with Correspondent Lenders. Complete a pre-funding review to assist with purchasing loans. Maintain production and quality standards as defined by the business. Qualifications: Minimum 3 years of mortgage industry experience Experience with FNMA and FHLMC underwriting requirements Strong written and verbal communication skills Ability to manage competing priorities in a fast-paced environment High attention to detail and strong analytical skills Education: Bachelor's/University degree or equivalent experience This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. Note: This is not a Signature Underwriting position. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Credit Risk ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location: Ofallon Missouri United States ------------------------------------------------------ Primary Location Full Time Salary Range: $55 270,00 - $77 130,00 In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ Most Relevant Skills Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Anticipated Posting Close Date: dic 18, 2025 ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi's EEO Policy Statement and the Know Your Rights poster.

We are seeking an experienced Credit Manager (Credit & Collection - non-managerial) for a permanent, full-time opportunity in the St. Louis area. This role is ideal for professionals who excel at managing commercial accounts collections and ensuring accuracy and efficiency throughout the credit process. The successful candidate will thrive in a fast-paced environment and demonstrate strong problem-solving abilities. This position offers an excellent opportunity to contribute expertise, drive results, and support ongoing business growth. Duties and Responsibilities - Review and authorize customer credit approvals, extensions, and terminations in accordance with company policies. - Manage credit and collection activities, collaborating with Management, Sales, and Accounting teams as necessary. - Conduct credit investigations, maintain comprehensive credit files, and draft written correspondence to applicants and customers regarding credit matters. - Ensure current and accurate sales tax certificates are maintained for all tax-exempt customers. - Perform collection efforts for past due balances, partnering with sales personnel to resolve problem accounts. - Administer special credit arrangements, including joint check agreements, personal guarantees, and promissory notes. - Prepare and file all pre-lien notifications as required. - Coordinate all credit-related legal actions with appropriate internal and external parties. - Investigate and resolve credit claims, disputes, and unauthorized deductions. - Monitor aged receivables, accounts exceeding credit limits, and COD override reports on a regular basis. - Identify potential bad debt accounts and oversee their collection process or initiate appropriate write-offs. - Oversee the collection process for all returned checks. - Process daily deposits of customer payments and reconcile records accordingly. - Submit invoices to customers via various online portals, ensuring timely and accurate billing. Requirements: - 2+ years of AR/Collection & Credit experience - B2B collections prefer - Excellent communication and negotiation skills. - Exceptional organizational skills and attention to detail. - Ability to work independently and as part of a team. - Epicor Eclipse experience is a plus but not required Requirements Collections - Commercial, Credit - Collections, Collection Processes, Billing Collection, Accounts Receivable (AR), Credit - Commercial, Credit Application, Credit Approvals Robert Half is the world's first and largest specialized talent solutions firm that connects highly qualified job seekers to opportunities at great companies. We offer contract, temporary and permanent placement solutions for finance and accounting, technology, marketing and creative, legal, and administrative and customer support roles. Robert Half works to put you in the best position to succeed. We provide access to top jobs, competitive compensation and benefits, and free online training. Stay on top of every opportunity - whenever you choose - even on the go. Download the Robert Half app (https://www.roberthalf.com/us/en/mobile-app) and get 1-tap apply, notifications of AI-matched jobs, and much more. All applicants applying for U.S. job openings must be legally authorized to work in the United States. Benefits are available to contract/temporary professionals, including medical, vision, dental, and life and disability insurance. Hired contract/temporary professionals are also eligible to enroll in our company 401(k) plan. Visit roberthalf.gobenefits.net for more information. © 2025 Robert Half. An Equal Opportunity Employer. M/F/Disability/Veterans. By clicking "Apply Now," you're agreeing to Robert Half's Terms of Use (https://www.roberthalf.com/us/en/terms) and Privacy Notice (https://www.roberthalf.com/us/en/privacy) .

Location: This role requires associates to be in-office 1 - 2 days per week, fostering collaboration and connectivity, while providing flexibility to support productivity and work-life balance. This approach combines structured office engagement with the autonomy of virtual work, promoting a dynamic and adaptable workplace. Alternate locations may be considered if candidates reside within a commuting distance from an office. Please note that per our policy on hybrid/virtual work, candidates not within a reasonable commuting distance from the posting location(s) will not be considered for employment, unless an accommodation is granted as required by law. The Credit & Collections Specialist Senior will be responsible for complex collection activities related to past due health insurance premiums and/or past due health insurance claims. A proud member of the Elevance Health family of companies, Paragon Healthcare brings over 20 years in providing life-saving and life-giving infusible and injectable drug therapies through our specialty pharmacies, our infusion centers, and the home setting. How you will make an impact: * Follows established guidelines, contacts group for the purpose of collecting past due insurance premiums and/or past due health insurance claims. * Researches validity of past due and/or disputed debt. * Generates demand letters. * Prepares reports reflecting status of credit and collection activities for management review. Minimum Requirements: Requires a H.S. diploma or equivalent and a minimum of 2 years of commercial debt collection experience; or any combination of education and experience, which would provide an equivalent background. Preferred Skills, Capabilities, and Experiences: * Healthcare/claims experience preferred. For candidates working in person or virtually in the below location(s), the salary* range for this specific position is $20.05/hr to $31.45/hr. Locations: California; Colorado; Illinois; Minnesota In addition to your salary, Elevance Health offers benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). The salary offered for this specific position is based on a number of legitimate, non-discriminatory factors set by the Company. The Company is fully committed to ensuring equal pay opportunities for equal work regardless of gender, race, or any other category protected by federal, state, and local pay equity laws. * The salary range is the range Elevance Health in good faith believes is the range of possible compensation for this role at the time of this posting. This range may be modified in the future and actual compensation may vary from posting based on geographic location, work experience, education and/or skill level. Even within the range, the actual compensation will vary depending on the above factors as well as market/business considerations. No amount is considered to be wages or compensation until such amount is earned, vested, and determinable under the terms and conditions of the applicable policies and plans. The amount and availability of any bonus, commission, benefits, or any other form of compensation and benefits that are allocable to a particular employee remains in the Company's sole discretion unless and until paid and may be modified at the Company's sole discretion, consistent with the law. Job Level: Non-Management Non-Exempt Workshift: Job Family: AFA > Financial Operations Please be advised that Elevance Health only accepts resumes for compensation from agencies that have a signed agreement with Elevance Health. Any unsolicited resumes, including those submitted to hiring managers, are deemed to be the property of Elevance Health. Who We Are Elevance Health is a health company dedicated to improving lives and communities - and making healthcare simpler. We are a Fortune 25 company with a longstanding history in the healthcare industry, looking for leaders at all levels of the organization who are passionate about making an impact on our members and the communities we serve. How We Work At Elevance Health, we are creating a culture that is designed to advance our strategy but will also lead to personal and professional growth for our associates. Our values and behaviors are the root of our culture. They are how we achieve our strategy, power our business outcomes and drive our shared success - for our consumers, our associates, our communities and our business. We offer a range of market-competitive total rewards that include merit increases, paid holidays, Paid Time Off, and incentive bonus programs (unless covered by a collective bargaining agreement), medical, dental, vision, short and long term disability benefits, 401(k) +match, stock purchase plan, life insurance, wellness programs and financial education resources, to name a few. Elevance Health operates in a Hybrid Workforce Strategy. Unless specified as primarily virtual by the hiring manager, associates are required to work at an Elevance Health location at least once per week, and potentially several times per week. Specific requirements and expectations for time onsite will be discussed as part of the hiring process. The health of our associates and communities is a top priority for Elevance Health. We require all new candidates in certain patient/member-facing roles to become vaccinated against COVID-19 and Influenza. If you are not vaccinated, your offer will be rescinded unless you provide an acceptable explanation. Elevance Health will also follow all relevant federal, state and local laws. Elevance Health is an Equal Employment Opportunity employer, and all qualified applicants will receive consideration for employment without regard to age, citizenship status, color, creed, disability, ethnicity, genetic information, gender (including gender identity and gender expression), marital status, national origin, race, religion, sex, sexual orientation, veteran status or any other status or condition protected by applicable federal, state, or local laws. Applicants who require accommodation to participate in the job application process may contact ******************************************** for assistance. Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state, and local laws, including, but not limited to, the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act.

As a Collections Analyst, you will engage with customers to secure timely payments and resolve any concerns. You will be responsible for identifying and correcting billing discrepancies, reducing past-due balances, and maintaining account currency. Additionally, you will detect and resolve cash application errors and investigate chargeback deductions. This role also involves handling special projects, collaborating with internal teams, and contributing to process improvements. Responsibilities + Contact clients via phone/email to secure timely payments and resolve concerns. + Identify and correct billing discrepancies. + Proactively reduce past-due balances and maintain account currency. + Detect and resolve cash application errors. + Investigate and resolve chargeback deductions. + Handle special projects and contribute to process improvements. + Work with internal teams and customers to provide effective solutions. + Issue and distribute invoices. + Process new contracts and sales. + Collaborate with other departments to ensure billing accuracy. + Address customer complaints and questions. + Keep track of accounts receivable and transactions. + Assist with customer account reconciliations. + Prepare and present analytical reports. + Support monthly and quarterly audits and resolve any issues or mistakes. Essential Skills + Proficiency in Accounting, Invoicing, Data Entry, and Billing Systems. + Strong skills in Excel, including formula usage. + Accuracy in accounts payable and receivable, reconciliation, collection, and bookkeeping. Additional Skills & Qualifications + Bachelor's Degree in Accounting/Finance or relevant work experience. + 3+ years of billing experience in a high-volume setting. Work Environment The role is based in a corporate office, requiring presence five days a week. The work schedule offers flexibility with start times between 7:00 AM and 8:30 AM, maintaining a 40-hour workweek. Lunch can be taken for either half an hour or an hour. There is an option to work nine-hour days from Monday to Thursday and leave at noon on Fridays, provided the total work hours are met. The company values employee engagement with monthly outings like barbecues or games, and it offers lateral growth opportunities or promotions to Senior Analyst roles. Job Type & Location This is a Contract to Hire position based out of Saint Louis, MO. Pay and Benefits The pay range for this position is $24.00 - $25.00/hr. Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following: - Medical, dental & vision - Critical Illness, Accident, and Hospital - 401(k) Retirement Plan - Pre-tax and Roth post-tax contributions available - Life Insurance (Voluntary Life & AD&D for the employee and dependents) - Short and long-term disability - Health Spending Account (HSA) - Transportation benefits - Employee Assistance Program - Time Off/Leave (PTO, Vacation or Sick Leave) Workplace Type This is a fully onsite position in Saint Louis,MO. Application Deadline This position is anticipated to close on Jan 13, 2026. About Aston Carter: Aston Carter provides world-class corporate talent solutions to thousands of clients across the globe. Specialized in accounting, finance, human resources, talent acquisition, procurement, supply chain and select administrative professions, we extend the capabilities of industry-leading companies. We draw on our deep recruiting expertise and expansive network to meet the evolving needs of our clients and talent community with agility and excellence. With offices across the U.S., Canada, Asia Pacific and Europe, Aston Carter serves many of the Fortune 500. We are proud to be a ClearlyRated Best of Staffing double diamond winner for both client and talent service. The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law. If you would like to request a reasonable accommodation, such as the modification or adjustment of the job application process or interviewing process due to a disability, please email astoncarteraccommodation@astoncarter.com (%20astoncarteraccommodation@astoncarter.com) for other accommodation options.

As an independent subsidiary of HME, CE provides repairs for all brands of drive thru equipment, nationwide. We also sell and install equipment and accessories for all brands of that equipment. CE's culture is employee-focused, with the expectation that every team member takes ownership of making our workplace a better place, including the application of lean practices to continuously improve everything we do. At CE you will have the opportunity to learn and grow while developing our future products. Come join our team! We are currently recruiting for a Credit-Collections Administrator II. What you will do in the position: * Past-Due Account Collection * Reviews customer accounts for past due invoices and payment history * Contacts customers to advise of past due amounts * Negotiates payment plans with customers who cannot pay in full. * Calls customers whose orders have been placed on credit hold * Approves and releases orders from credit hold based on customer payment history and credit limit * Reports status of collection efforts to manager * Submits credit and account write off requests to manager * Customer Communication * Answers incoming customer calls * Process ACH and credit card payments over the phone * Makes a minimum over 20 outgoing collection calls daily * Provides information and answers customer questions regarding unpaid invoices * Research on disputed invoices * Documents customer communications * Maintain entire customer data base in ERP system * Manage paperless billing for all customer accounts * Cancel Protection Plans * Update credit limits and hold status as needed * Performs all other job responsibilities as assigned What you will need to succeed: * Ability to work well under pressure in a time sensitive, fast pace environment while responding appropriately, accurately and efficiently including monthly deadlines as assigned * Excellent organizational skills * Possess strong interpersonal and communication skills with the ability to articulate issues and solutions to both internal and external customers * Computer proficiency with MS Office including Word, Excel, Outlook and PowerPoint * Experience * Minimum of 1 - 2 years of related experience * Education: * High School diploma or GED required * Travel: 0% The posted pay range,$15.77 to $21.01, is what we reasonably expect to pay for the role. This may vary depending on experience and other factors. Our benefits package includes tuition reimbursement; 3 weeks paid vacation your first year, paid holidays, medical, vision, and dental coverage, pet insurance, life insurance, and 401K contributions. The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee will occasionally lift and move up to 25 pounds with assistance.

The Credit Administrator will perform credit and collection activities as they relate to specific customers. Responsibilities Essential Duties and Responsibilities include the following. Other duties may be assigned. Perform credit checks on new customers. Perform credit reviews on existing customers as required. Review orders that have failed credit and take appropriate action so that the order can be released for shipment. Collect past due receivables. Prepare and submit adjustments to the Accounts Receivable. Regular and reliable attendance in the office is required. Qualifications High School diploma or general education degree (GED) required. Associates' degree or equivalent from two-year college or technical school preferred. Two or more years related experience required. Must have effective communication skills. Prior experience updating credit files preferred. Collections experience strongly preferred. Financial analysis skills a plus. Must have effective time management skills and the ability to set priorities. The hours for this position are 8:00am - 4:30pm, Monday through Friday. We are proud to be an Equal Opportunity Employer. Company-paid background check, including credit check, required.

You desire impactful work. You're RGA ready RGA is a purpose-driven organization working to solve today's challenges through innovation and collaboration. A Fortune 200 Company and listed among its World's Most Admired Companies, we're the only global reinsurance company to focus primarily on life- and health-related solutions. Join our multinational team of intelligent, motivated, and collaborative people, and help us make financial protection accessible to all. A Brief Overview As a member of the Asset Management Team within the Real Estate Investments Division, job responsibilities include managing the day-to-day operations of a designated portfolio of loans, entering and verifying all property related information, operating statement and rent roll data, borrower financial information, market and submarket data, comparable rent, sales and capitalization rate information and any other relevant loan information. Team members assist the Regional Managers and Legal by collecting and reviewing all required asset management loan documents, leases, surveys, title policies, organization documents, etc. Team members review and complete all post-closing servicing requests, and other loan or property related items requiring information or follow-up with the borrower. Role includes completing all loan ratings, internal valuations, loan surveillance, and other special projects as required. What you will do * Collect, standardize, record, and analyze borrower, property and operating information including by not limited to annual operating statements, rent rolls and borrower's personal financials for a dedicated portfolio of loans. Ensure timely delivery and entering of all necessary borrower provided documentation. * Complete annual rating process for assigned loan portfolio. Review and analyze borrower financials, property operating history, rent roll, market rental and occupancy data, location information, building characteristics and demographic information. Partner with the Chief Valuation Officer to determine appropriate cap rate and qualitative adjustments to conclude to a property value and overall loan rating. * Complete loan surveillance and all borrower requests including loan assumptions, assignments, escrow draws, partial releases, and tenant lease related activities by acting as the liaison between the borrower and Lender. Assist home office management in all special servicing related matters in the event of a loan default. Manages any WatchList loans. Assist the home office servicing manager with all payment, tax, and insurance related issues. * Research, review, and analyze market and submarket data and prepares periodic reports on both positive and negative trends. * Enter and verify all property related information, operating statement and rent roll data, borrower financial information, market and, submarket data, comparable rent, sales and capitalization rate information and any other relevant loan information for all new originations. * Maintain regular and predictable attendance. * Perform other job-related duties or special projects as required. Qualifications Education and Experience Required: * Bachelor's degree - Business Administration, Accounting, Finance, IT or related area of study * 2+ years of experience working in Commercial Real Estate, Insurance, Banking or Financial Services company Skills and Abilities Required: * General understanding of basic financial concepts * Customer service oriented; responsive to requests from internal and external customers * Strong computer skills, including Microsoft Office products, excel * Strong analytical and issues resolution skills * Work effectively in a team environment * Strong oral and written communication skills * Strong time management skills as well as the ability to meet deadlines * Self-starter with leadership potential and ability to work on own Preferred: * Knowledge of insurance company mortgage lending practices * Knowledge of mortgage loan valuation or software #LI-MB1 What you can expect from RGA: * Gain valuable knowledge from and experience with diverse, caring colleagues around the world. * Enjoy a respectful, welcoming environment that fosters individuality and encourages pioneering thought. * Join the bright and creative minds of RGA, and experience vast, endless career potential. Compensation Range: $65,050.00 - $92,400.00 Annual Base pay varies depending on job-related knowledge, skills, experience and market location. In addition, RGA provides an annual bonus plan that includes all roles and some positions are eligible for participation in our long-term equity incentive plan. RGA also maintains a full range of health, retirement, and other employee benefits. RGA is an equal opportunity employer. Qualified applicants will be considered without regard to race, color, age, gender identity or expression, sex, disability, veteran status, religion, national origin, or any other characteristic protected by applicable equal employment opportunity laws.

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

Saint Louis, Missouri **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:** The AB (Asset-Based) Portfolio Specialist manages a portfolio of asset-based structured loans in a variety of industries. The AB Portfolio Specialist is responsible for actively monitoring financial and collateral trends and recommending appropriate action. Responsibilities also include reviewing requests for loan modifications, analyzing financial performance, negotiating terms, drafting proposals, reviewing documents, and preparing recommendations for approval. The FAM Specialist ("Specialist") is responsible for the timely completion of accurate financial statement spreads and risk ratings in support of underwriting new credit requests, renewals, and traditional portfolio monitoring. The Specialist will also perform annual reviews on client relationships in alignment with Business Unit policy and procedures. **Responsibilities:** + Build trust and strong relationships and proactively drive engagement with Underwriting, Credit Executive and Client team partners. + Spread and analyze complex financial information, including Personal Financial Statements, Brokerage statements, Personal Tax Returns and Schedule K-1s, Business financials, etc. for high-net-worth clients. + Accurately risk rate clients using regulatory definitions, good credit judgement and the Risk Rating Scorecard tool. + Effectively and concisely communicate spreading and risk ratings outcomes with key business partners. + Understand and leverage tools, systems, and applications used in day-to-day functions such as Excel, Outlook, GUS, Loan IQ, EDR, Risk Rating Scorecard, etc. + Understand and accurately apply risk rating scorecard and spreading guidance. **Required Qualifications:** + Experience: 3-5 years in credit analysis, accounting, financial analysis, or a closely related credit risk role, including financial covenant testing and the ability to interpret and apply Commercial credit agreement terminology and concepts. + Policies and Procedures: 2+ years of credit analysis experience with Commercial credit policies and procedures + Technical Skills: Proficient in interpreting various Commercial loan documents. + Credit Analysis: Strong working knowledge of commercial loan structures and financial statement analysis, including personal financial statements, brokerage statements, rent rolls, and NOI statements; ability to identify and escalate early signs of credit deterioration, within the Commercial credit structure. + Operational Support: Exposure to GMS/Tableau reporting, documentation management, and process improvement. + Project Coordination: Capable of independently running analysis on credit supported small projects and streamlining team operations. + Systems Knowledge: Working proficiency with Commercial loans, collateral, client data and workflow systems along with SharePoint, and Adobe Acrobat. **Desired Qualifications:** + Bachelor's degree in Accounting, Finance or equivalent experience + System knowledge of LIQ, PACE, GMS, GUS, EDR, Genesis, Image Trust, Navigator, SharePoint , KYC, Adobe Acrobat Standard **Skills:** + Attention to Detail + Client Management + Decision Making + Underwriting + Credit Documentation Requirements + Critical Thinking + Portfolio Management + Problem Solving + Written Communications + Financial Analysis + Negotiation **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.

located in St. Louis, MO. About Us: At INB, a career is more than just a job; it's a chance to make a meaningful impact in the communities we serve. As a locally owned, community-focused bank, we're proud to help individuals, families, and businesses achieve their financial goals through personalized service and trusted relationships. Our success is driven by a team that genuinely cares about our customers, our coworkers, and our community. When you join INB, you're not just joining a workplace; you're becoming part of a purpose-driven culture built on our core values: Caring, Creative, Teamwork, Balance, Working Smart, and Assertive & Enthusiastic. Together, we make a positive difference every day for our customers and for each other. Summary Evaluate the financial condition of commercial loan borrowers (individuals/businesses) using analytical, organizational, and communication skills. We seek a team player who will develop working relationships with lending/credit staff. Requirements Essential Duties and Responsibilities include the following. Other duties may be assigned. Spread and analyze corporate and individual financial statements and tax returns. 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. Assign risk ratings to support loan requests Maintain knowledge of all supportive software, compliance, and procedures as they relate to the loan department Studies economic trends in firm's industry or branch of industry to predict probable success of new customer. Adhere to the bank's policies, procedures, security requirements and government regulations. Working knowledge of loan policy and guidelines to assist in appropriate structuring. Prepare annual loan reviews of existing loan relationships to ensure complete information, communicating with lenders regarding missing information and applicable questions. Create and update covenant compliance checks. Occasional travel to Springfield, IL corporate office for department meetings or training. Supervisory Responsibilities This job has no supervisory responsibilities. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Excellent verbal and written communication skills. Ability to analyze financial statements/tax returns (profit and loss, balance sheet, and cash flow statements). Strong analytical skills and resourcefulness necessary to complete in-depth industry and market analysis. Ability to multi-task in a fast-paced environment. Strong attention to detail and accuracy while working independently to establish priorities and meet deadlines. Education and/or Experience Bachelor's degree in finance, accounting, or related field with a minimum of 7 years credit-related experience in banking or an accounting related field. Computer Skills Strong proficiency in PC application, including various software systems, including Microsoft Word and Excel and banking systems. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Group Insurance Benefits and Plans INB provides health, dental, vision, and life insurance benefits to all full-time employees. Coverage also is extended to their eligible dependents. Active employees make premium contributions based on plan selections. Please click the link below for all benefits that are offered. ************************************************************************************************************** The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions. ADA Disclaimer: In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for American with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis. INB, N.A. is committed to Equal Employment Opportunity with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment. It is INB's policy to afford equal opportunity to all employees and applicants for employment without regard to race, creed, color, sex, sexual orientation, age, marital status, national origin, disability, religion, veteran status, or any other basis prohibited by law. The EEO Law poster is available here: Know Your Rights: Workplace discrimination is illegal