Credit analyst jobs in San Francisco, CA - 152 jobs

About Gusto At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff-like payroll, health insurance, 401(k)s, and HR-so owners can focus on their craft and customers. With teams in Denver, San Francisco, and New York, we're proud to support more than 400,000 small businesses across the country, and we're building a workplace that represents and celebrates the customers we serve. Learn more about our Total Rewards philosophy. About the Role Are you a tax credit expert with a passion for helping small businesses? Join our Tax Credits team and shape the future of tax credit software. Your talents will be instrumental in delivering an exceptional customer experience for small businesses uncovering lucrative tax credits. You'll work directly with taxpayers, develop processes that enable our customers and teams, and use your knowledge of credits & customer interactions to inform technology developments. This is an exciting opportunity to join a dynamic team and make a real impact on small businesses all across America. About the Team The Tax Credits team is on a mission to democratize tax credits and grants. We aim to make access to tax credits and grants ubiquitous for SMBs & business advisors, ensuring every business receives the financial support they deserve to fuel growth, innovation and long-term success. The Tax Credits Operations team is a collaborative team who are passionate about tax credits. As a member of the Operations team at this stage in our journey, you will be a customer advocate and educator, simplifying a small business's experiences with tax credits. As a tax credits operator and expert, you'll have the opportunity to work directly on components of each customer's credit and use your experience to shape the direction of our product, process, and tools. Here's what you'll do day‑to‑day Serve: Proactively & reactively resolve complex customer inquiries related to tax credits (e.g. R&D) Take ownership of customer outcomes, ensuring small businesses get great value out of the credits products that Gusto offers Educate: Educate yourself and others on tax credits, including R&D tax credits, 401K, WOTC, and other relevant incentives Operate: Roll up your sleeves and complete or quality control behind‑the‑scenes tasks (e.g. data review, calculations, uploads) that result in high quality credit forms and documents Develop: Create and inform solutions alongside the Tax Credits technical (EPDD) and service (ES, CX) teams Continuously improve and iterate on processes and approach Collaborate: Work with team members to find creative customer solutions that are compliant and sustainable Partner across teams to inform and build tax credits product, process, and tools Here's what we're looking for Service: A minimum of 2 years in a customer‑facing role, ideally at a technology, tax, or financial services company Tax or Tax Credits skills: A minimum of 2 years experience with tax, tax preparation, or tax credits. Audit experience is a bonus! Communication: You have strong experience communicating with customers, and are passionate about advocating on their behalf. You can break down complex concepts into concise and simple messages. Detail Orientation: You pay attention to details, take pride in your work, and understand how the quality of your work product quality impacts small business finances. Critical Thinking: You seek to understand the root cause of customer and process issues and are able to identify trends. You attempt to resolve trending issues with the appropriate level of urgency. Proactive Problem Solver: You are always looking for ways to improve processes, solve customer issues more efficiently, or prevent issues from popping up Systems Knowledge: You have supported a technical or complex product or service. You may have used ticketing tools (e.g. HubSpot, Salesforce) previously and you are able to leverage them to solve complex customer issues. Change Agent: Suggest, drive, and embrace changes and iterations. Seek opportunities to challenge and improve the status quo. AI: AI‑forward mindset, with experience exploring and incorporating AI into how you work. Compensation Our cash compensation amount for this role is $78,300 to $92,000/year in Denver, and $97,870 to $115,000 for San Francisco & New York. Final offer amounts are determined by multiple factors including candidate location, experience and expertise and may vary from the amounts listed above. Workplace & Diversity Statement Gusto has physical office spaces in Denver, San Francisco, and New York City. Employees who are based in those locations will be expected to work from the office on designated days approximately 2‑3 days per week (or more depending on role). The same office expectations apply to all Symmetry roles, Gusto's subsidiary, whose physical office is in Scottsdale. Note: The San Francisco office expectations encompass both the San Francisco and San Jose metro areas. When approved to work from a location other than a Gusto office, a secure, reliable, and consistent internet connection is required. This includes non‑office days for hybrid employees. Our customers come from all walks of life and so do we. We hire great people from a wide variety of backgrounds, not just because it's the right thing to do, but because it makes our company stronger. If you share our values and our enthusiasm for small businesses, you will find a home at Gusto. Gusto is proud to be an equal‑opportunity employer. We do not discriminate in hiring or any employment decision based on race, color, religion, national origin, age, sex (including pregnancy, childbirth, or related medical conditions), marital status, ancestry, physical or mental disability, genetic information, veteran status, gender identity or expression, sexual orientation, or other applicable legally protected characteristic. We consider qualified applicants with criminal histories, consistent with applicable federal, state and local law. Gusto is also committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. If you require a medical or religious accommodation at any time throughout your candidate journey, please fill out this form and a member of our team will get in touch with you. Gusto takes security and protection of your personal information very seriously. Please review our Fraudulent Activity Disclaimer. Personal information collected and processed as part of your Gusto application will be subject to Gusto's Applicant Privacy Notice. #J-18808-Ljbffr

At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff-like payroll, health insurance, 401(k)s, and HR-so owners can focus on their craft and customers. With teams in Denver, San Francisco, and New York, we're proud to support more than 400,000 small businesses across the country, and we're building a workplace that represents and celebrates the customers we serve. Learn more about our Total Rewards philosophy. About the Role Are you a tax credit expert with a passion for helping small businesses? Join our Tax Credits team and shape the future of tax credit software. Your talents will be instrumental in delivering an exceptional customer experience for small businesses uncovering lucrative tax credits. You'll work directly with taxpayers, develop processes that enable our customers and teams, and use your knowledge of credits & customer interactions to inform technology developments. This is an exciting opportunity to join a dynamic team and make a real impact on small businesses all across America. About the Team The Tax Credits team is on a mission to democratize tax credits and grants. We aim to make access to tax credits and grants ubiquitous for SMBs & business advisors, ensuring every business receives the financial support they deserve to fuel growth, innovation and long-term success. The Tax Credits Operations team is a collaborative team who are passionate about tax credits. As a member of the Operations team at this stage in our journey, you will be a customer advocate and educator, simplifying a small business's experiences with tax credits. As a tax credits operator and expert, you'll have the opportunity to work directly on components of each customer's credit and use your experience to shape the direction of our product, process, and tools. Day-to-Day Responsibilities Serve: Proactively & reactively resolve complex customer inquiries related to tax credits (e.g. R&D) Take ownership of customer outcomes, ensuring small businesses get great value out of the tax credits products that Gusto offers Educate: Educate yourself and others on tax credits, including R&D tax credits, 401K, WOTC, and other relevant incentives Operate: Roll up your sleeves and complete or quality control behind-the-scenes tasks (e.g. data review, calculations, uploads) that result in high quality credit forms and documents Develop: Create and inform solutions alongside the Tax Credits technical (EPDD) and service (ES, CX) teams Continuously improve and iterate on processes and approach Work with team members to find creative customer solutions that are compliant and sustainable Partner across teams to inform and build tax credits product, process, and tools Qualifications Service: A minimum of 2 years in a customer-facing role, ideally at a technology, tax, or financial services company Tax or Tax Credits skills: A minimum of 2 years experience with tax, tax preparation, or tax credits. Audit experience is a bonus! Communication: You have strong experience communicating with customers, and are passionate about advocating on their behalf. You can break down complex concepts into concise and simple messages. Detail Orientation: You pay attention to details, take pride in your work, and understand how the quality of your work product quality impacts small business finances. Critical Thinking: You seek to understand the root cause of customer and process issues and are able to identify trends. You attempt to resolve trending issues with the appropriate level of urgency. Proactive Problem Solver: You are always looking for ways to improve processes, solve customer issues more efficiently, or prevent issues from popping up Systems Knowledge: You have supported a technical or complex product or service. You may have used ticketing tools (e.g. HubSpot, Salesforce) previously and you are able to leverage them to solve complex customer issues. Change Agent: Suggest, drive, and embrace changes and iterations. Seek opportunities to challenge and improve the status quo. AI: AI-forward mindset, with experience exploring and incorporating AI into how you work. Compensation Our cash compensation amount for this role is $78,300 to $92,000/year in Denver, and $97,870 to $115,000 for San Francisco & New York. Final offer amounts are determined by multiple factors including candidate location, experience and expertise and may vary from the amounts listed above. Office Expectations Gusto has physical office spaces in Denver, San Francisco, and New York City. Employees who are based in those locations will be expected to work from the office on designated days approximately 2-3 days per week (or more depending on role). The same office expectations apply to all Symmetry roles, Gusto's subsidiary, whose physical office is in Scottsdale. Note: The San Francisco office expectations encompass both the San Francisco and San Jose metro areas. When approved to work from a location other than a Gusto office, a secure, reliable, and consistent internet connection is required. This includes non-office days for hybrid employees. Why Gusto Our customers come from all walks of life and so do we. We hire great people from a wide variety of backgrounds, not just because it's the right thing to do, but because it makes our company stronger. If you share our values and our enthusiasm for small businesses, you will find a home at Gusto. Equal Employment Opportunity Gusto is proud to be an equal opportunity employer. We do not discriminate in hiring or any employment decision based on race, color, religion, national origin, age, sex (including pregnancy, childbirth, or related medical conditions), marital status, ancestry, physical or mental disability, genetic information, veteran status, gender identity or expression, sexual orientation, or other applicable legally protected characteristic. Gusto considers qualified applicants with criminal histories, consistent with applicable federal, state and local law. Gusto is also committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. We want to see our candidates perform to the best of their ability. If you require a medical or religious accommodation at any time throughout your candidate journey, please fill out this form and a member of our team will get in touch with you. #J-18808-Ljbffr

A leading financial institution in San Francisco seeks an experienced Credit Portfolio Officer. The role requires analyzing credit information, negotiating loans, and managing a portfolio to ensure optimal performance. Candidates should have a bachelor's degree and 5-7 years of experience in credit or lending operations. Offering a competitive salary range of $88,800 to $165,600, along with health insurance and various other benefits, this position is essential for driving growth and enhancing client relationships. #J-18808-Ljbffr

Job Summary: We are hiring a Senior Consultant for one of our leading banking clients. The role focuses on identifying, assessing and monitoring credit risk across lending portfolio. The candidate will work closely with various stakeholders, including business units, risk management, and regulatory teams to develop and implement credit risk strategies and policies. Expertise in at least one domain - Credit Risk, Collections, or Recoveries - is required. Key Responsibilities: Credit Risk Monitoring: Continuously monitor risk exposures, identify and escalate potential credit risk issues to senior management and the risk committee to ensure timely mitigation. Credit Risk Strategy Development: Develop, maintain, update & implement credit risk policies, procedures, and guidelines to ensure alignment with regulatory requirements and industry best practices. Credit Risk Modelling: Develop, maintain, and validate credit risk models to estimate potential losses and predict credit risk. Collaborate with data scientists and analysts to integrate credit risk models with other risk models. Stakeholder Management: Inform and advise senior management, business units, and stakeholders on credit risk, and provide training on credit risk management and policies. Data Analysis and Reporting: Analyze large datasets to identify credit risk trends, and present findings to senior management using SQL, Python, and data-driven insights, providing clear and compelling recommendations. Credit Risk Assessment: Analyze and evaluate creditworthiness of customers, counterparties, and transactions to identify potential credit risks. Conduct thorough credit reviews, including financial statement analysis, industry research, and market trends. Regulatory Compliance: Ensure compliance with credit risk regulations, such as Basel II/III, Dodd-Frank, and other applicable laws and regulations. Collaborate with regulatory teams to respond to regulatory inquiries and examinations. Qualifications: Bachelor's degree in finance, Economics, Data Science, Engineering or a related field; master's degree preferred. Minimum of 4 years of experience in credit card analytics, with a focus in at least one of the following areas - Credit risk/Collection/Recoveries Analytics Proficient in SQL and Python; experience with data visualization tools (e.g., Tableau, Power BI) is a plus. Excellent analytical and problem-solving skills, with the ability to interpret complex data and make informed decisions. Strong communication and presentation skills, with the ability to convey technical information to non-technical stakeholders. Proven ability to work collaboratively in a fast-paced, team-oriented environment.

A global financial institution is seeking a Vice President or Executive Director for their U.S. Private Bank in San Francisco. The role involves advising clients on wealth management, building relationships, and generating new business. Candidates should have over six years of experience in Private Banking and a Bachelor's Degree, along with required licenses. This position offers a competitive total rewards package and opportunities for career advancement. #J-18808-Ljbffr

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

Job Title: VP and Credit Officer Department: Credit Department Classification: Exempt Reports to: Vice President and Credit Department Manager Summary/Objective: Essential Functions: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions 1. Underwrite credit assessments. Review, verify accuracy and assess new loan credit proposals from simple to very complicated situations. Credit officer is required to review and analyze financial statements, tax returns and operating statements to assess credit risks. Verify accuracy of spreadsheets of borrowers/guarantors' financial statements and cash flow projections. 2. Make appropriate recommendations to enhance quality of proposals. 3. Analyze and assess annual reviews of existing borrowers. 4. Familiar with USPAP, appraisal reports, Phase One Environmental Report, various kinds of lease agreements and the Uniform Commercial Code. Assist in reviewing loan documents to ensure consistency and compliance with governing laws, bank policies and approved terms and conditions. Familiar with 10K reports of public companies. 5. Accept orders for real estate appraisals for loans. Contact appraisers, obtain price quote, turn-around time and prepare appraisal orders. Provide leases, operating statements, preliminary title reports to appraisers. Act as contact person to resolve appraisal problems, mistakes and possible issues between appraisers and front line officers. Resolving any billing issues. 6. Responsible for security and control of credit files. Responsible for the safekeeping of credit files and contents. Identify, collect and ship unused credit files to storage with proper records. Responsible for ordering and retrieving credit files from storage when needed. Updated-Human Resources 2016 7. Review periodic reports of the Credit Department such as Annual Review Progress report on weekly and monthly basis. Review renewed and reviewed reports, quarterly and annual HDMA report, Emerging Problem Loan report and Past Due and Problem loan report. Assist the Credit Manager in managing the department when requested or in his absence. 8. Liaise with New York and Beijing colleagues for the use of the in house GCMS system, verify accuracy of various entries. Be an effective team member and collaborate with employees from other departments 9. Performs other related duties and assignments as assigned Competencies: In order to perform the job successfully, an individual should demonstrate the following competencies: 1. Good knowledge of GCMS and FOVA systems or other asset/liability systems 2. Knowledgeable in Excel, Word, Power Point and other financial spreadsheet software 3 Good grasp of generally acceptable accounting principles, excellent business writing skills 4. Good working Knowledge of Window based personal computer and software packages 5. Excellent interpersonal and communication skills. Knowledge of appraisal technique, the Uniform Commercial Code, real estate principle and California real estate laws Physical Demands: This is largely a sedentary role, requiring use of typical office equipment such as a computer, laptop and cell phone. Most work is completed in an office environment. Walking around the office and talking to employees and supervisors is required. Travel Requirements: Credit officer is required to conduct client and site visits locally with some out of state trips as well. Required Education and Experience: Bachelor's degree from a four-year college or university in Business Administration or Economics Seven to ten + years of related experience with credit training. Equivalent combination of education and experience is acceptable. Additional Qualifications: A valid California driver's license is required Language/Communication Skills: Proficiency in verbal and written English. Mandarin and Cantonese speaking a plus. Other Duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. It is understood and agreed that the employee may be required to perform additional duties as assigned by the employee's supervisor or Manager.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Credit Officer in the Credit Risk team, you will be conducting the essential credit analysis, performing due diligence, and reviewing documentation for new commercial real estate transactions with an emphasis on multifamily lending. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities Implement all facets of credit analysis on commercial real estate/multifamily loans. Identify issues/concerns, evaluate results, and formulate effective recommendations in a timely manner. Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. Apply data analysis techniques to interpret results and provide insights and recommendations to management. Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. Required qualifications, capabilities and skills Minimum 2+ years of experience in commercial real estate lending or 3+ years in other banking/finance experience. Good understanding of multifamily real estate property valuations and cash flow analysis. Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. Excellent verbal/written communication and problem-solving skills. Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed. Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. Preferred qualifications, capabilities, and skills Bachelor's degree in accounting, finance, economics, or real estate is preferred. Familiarity with regional markets and municipal regulations. Experience with proprietary credit risk management tools. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

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

Avidbank is a $2.3 billion commercial bank based in Silicon Valley serving the San Francisco Bay area and beyond. We are a highly responsive business bank, providing tailored financial solutions. We are advocates for our clients and specialize in providing innovative banking products and supportive services that exceed our clients' expectations. Founded in 2003, we specialize in commercial & industrial lending, technology and asset-based lending, specialty finance, sponsor finance, real estate construction and commercial real estate lending. We have one branch in San Jose along with loan production offices in Redwood City and San Francisco. Title of position: Credit Analyst Position type: Full-time Pay range: $69,000.00 - $90,000.00 Division: Specialty Finance Work Location Type: Office Hybrid Location: San Jose Essential Functions and Basic Duties: * Position assists sponsor finance lending function by gathering and analyzing credit information on current and potential borrowers and determining credit risk for diversified types of loans. * Assists loan officers in writing loan requests and proposals. * Promotes quality customer relations and refers customers to appropriate staff for new services. * Assists loan officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. * Gathers data from customers and other sources. * Prepares spreadsheets and analyzes financial information including financial statements and tax returns. * Contacts customers for additional information and clarification of data. * Verifies pledged assets. * As instructed, compiles data from credit bureaus, conducts industry peer comparisons, perform cash flow analyses and other related tasks. * Based on analysis, makes recommendation on loan structures and terms to loan officers and assists in the writing of financial analysis and reports. * Assist with loan processing and coordination. * Monitors loans and determines when updates to documentation, e.g. financial statements, are required. Informs loan officers and monitors accounts. Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved. * Assists loan officers in verification of funds with mortgage companies and contractors. * Participate in the on-going computerization of the loan review function. * Assist in providing deposit and loan account ratings for loan officers. * Update and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken. * Understands government regulations with particular emphasis on the Bank Secrecy Act and related regulations and the fact that compliance with BSA regulations is an enterprise responsibility. * May represent the Bank in various community, civic and community reinvestment functions to promote the Bank's image and develop additional business. * Manage the Specialty Finance Compliance reporting function which includes, but is not limited to: * Updates to the Portfolio tracker on a monthly, bi-monthly or weekly basis in preparation for the monthly portfolio reviews. * Updates covenants * Adds new clients to the tracker * Update Horizon with reports and ticklers as needed and send to team on a weekly basis. * Perform other duties as required. This position description is not intended to cover or contain a comprehensive list of activities, duties or responsibilities that are required of the employee. Duties, responsibilities and activities may change, or new ones may be assigned at any time, with or without notice. Qualifications and Desired Skills: * Undergraduate degree in business, finance/accounting, or related field. * Familiarity with financial statements and ability to analyze business and financial data. * Proficient in the use of personal computers and software programs, such as Excel and Word. * Familiar with financial analysis and development of spreadsheets. * Strong communication skills, both verbal and written. Benefits: Avidbank offers full time employees' competitive compensation, medical, dental, vision, life insurance, long term disability insurance, 401k with matching, paid holidays and a competitive paid time off policy. The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. It is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. Avidbank is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. We are an AA/EEO/Veterans/Disabled employer.

Job DescriptionDescription: Westamerica is among the largest commercial banks headquartered in California. We are looking for outstanding people to join our winning team. We reached our current strength because our employees, customers, and shareholders believe in the same fundamental goals. Delivering a wide variety of financial services with a superior customer service guarantee. Manages branch's commercial loan portfolio/deposits/growth. Works to achieve branch's identified profitability goals by increasing the existing Book of Business: Contacts prospect/clients to establish new bank relationships through the selling of appropriate bank products. Contacts current clients to retain and expand present bank relationships by cross-selling bank products. Directs sales activities of branch sales force: Conducts daily sales meeting. Actively sells Westamerica's bank products/services. Monitors results of sales activities as outlined in current WAB Sales Culture Booklet. Represents the bank in various civic and community activities in an effort to enhance the Bank's image and attract new business. Reviews delinquent loans and implements appropriate action to help correct situation. Requirements: Commercial Lending experience Underwriting experience EOE Westamerica Bank's Privacy Policy may be found at: *********************************

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: Bank of America's Transformative Healthcare segment is seeking a Credit Officer to join our Bay Area team. The Transformative Healthcare Group focuses on the middle market healthcare industry including traditional banking, capital raising and advisory services. This group is a specialized team within the Global Commercial Bank which serves public and private healthcare companies, generally with annual revenues of $50 million to $2 billion. The Transformative Healthcare Group maintains a leadership position within the industry, manages numerous syndicated and capital markets-agented transactions, and maintains a close working relationship with Global Investment Banking. The team brings its industry specialization and solutions to support the financial needs of healthcare services, life sciences and medical technology companies. This position is located in San Francisco and will report to the national Transformative Healthcare Senior Credit Manager. The Credit Officer II (CO II) is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions for commercial banking clients. Products include lines of credit, term loans, real estate loans, and syndicated loans. The CO II manages all of the ancillary credit exposure to clients. The CO II maintains knowledge of other BofA products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. This role reports to the Commercial Credit Manager or Executive and will be aligned to an Underwriting Team that supports the market. Responsibilities: Manages the credit process for a portfolio of clients Negotiates credit documentation Leads the credit and risk approval processes Builds relationships with existing and prospective clients Mentors and supports associates Provides capital structure solutions Skills: Client Solutions Advisory Financial Analysis Loan Structuring Risk Management Underwriting Account Management Credit Documentation Requirements Credit and Risk Assessment Decision Making Issue Management Analytical Thinking Coaching Collaboration Critical Thinking Customer and Client Focus Required Qualifications: 10+ years of solid Commercial Banking Experience Experience in financial analysis, structuring, underwriting and portfolio management Analytical/technical skills, including financial accounting, modeling and loan structuring Strong communication skills; ability to communicate vertically, horizontally, and externally Industry knowledge across multiple sectors Minimum Education Requirement: BA/BS Degree Desired Shift: 1st shift (United States of America) Hours Per Week: 40 Pay Transparency details US - CA - San Francisco - 555 California St - Bofa Center - 555 California (CA5705) Pay and benefits information Pay range$125,000.00 - $200,000.00 annualized salary, offers to be determined based on experience, education and skill set.Discretionary incentive eligible This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.BenefitsThis role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

A financial services company in San Francisco is seeking a credit professional to assess credit applications and manage administrative aspects related to credit. The ideal candidate should possess a Bachelor's degree and have 2-5 years of experience. Candidates must demonstrate strong analytical and problem-solving skills, alongside proficiency in English. This is primarily a sedentary role with occasional travel for property inspections, and an emphasis on ethical standards in bank policies. #J-18808-Ljbffr

A leading financial institution is seeking an experienced Private Banker to provide high-level advising on wealth management to clients. The role includes managing client relationships, generating new business, and utilizing expertise in investments and financial planning. Candidates should possess at least 6 years of relevant experience, a Bachelor's degree, and relevant financial licenses. Strong sales success and community presence are vital for this role, which aims to deliver exceptional client experiences. #J-18808-Ljbffr

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Lead Credit Officer within the Credit Risk team, you will play a critical role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities: Oversee all aspects of credit analysis on commercial real estate/multifamily loans. Evaluate and manage risks in complex transactions. Serve as a back-up mentor for more junior Credit Analysts and Credit Officers Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. Apply data analysis techniques to interpret results and provide insights and recommendations to management. Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools. Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. Required Qualifications, Capabilities, and Skills: Minimum 7+ years of experience in commercial real estate lending, credit analysis, or loan workouts. Thorough understanding of multifamily real estate property valuations and cash flow analysis. Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. Excellent verbal/written communication and problem-solving skills. Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed. Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. Preferred Qualifications, Capabilities, and Skills: Bachelor's degree in accounting, finance, economics, or real estate is preferred. Familiarity with regional markets and municipal regulations. Advanced degree in a related field. Experience with proprietary credit risk management tools. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

We believe Bank of America can do more for our clients than any other financial services firm. We understand the challenges our clients face around the world, and we use the full resources of our company to help them achieve their goals. Our solutions span the complete range of advisory, capital raising, banking, treasury and liquidity, sales and trading, and research capabilities. Our Municipal Banking & Markets division offers Commercial and Investment Banking services, Sales & Trading and Treasury Management services to U.S. Municipal clients. Public Sector Banking, within Municipal Banking & Markets, is responsible for assisting clients with raising capital by offering privately placed credit facilities to be held on the Bank's balance sheet. Job Description & Program Overview: Public Sector Banking provides capital in the form of loans, letters of credit, and other credit products, and other traditional banking products and services. Our client base includes State and Municipal entities (cities, counties, school districts, transportation authorities, etc.) As an active team member in Public Sector Banking, Analysts assist Underwriters and Credit Product Officers in credit origination for our clients as well as with portfolio monitoring activities. Your responsibilities as an Analyst may include: * Participating in the underwriting of different credit transactions * Supporting various financial analyses, including loan structuring * Engaging in comprehensive and in-depth client and credit research * Preparing presentations and other materials for clients * Working on various one-time projects * Interacting with deal team members and client Qualifications: * Candidates are required to be pursuing a bachelor's degree or a bachelor's direct to master's degree from an accredited college or university with a graduation timeframe between November 2027 and August 2028 with demonstrated academic achievement. * 3.2 minimum GPA preferred. * Eligible candidates must demonstrate a strong interest in finance and the public sector. * You should possess a combination of academic aptitude, quantitative skills, strategic and creative thinking and distinguished written and oral communications skills. * Ability to manage several projects at once and work effectively as an individual and as part of a team. * Some common characteristics we look for include assertiveness, attention to detail, exceptional academic achievement, initiative, team focus, self-confidence, strategic and creative thinking capabilities, strong work ethic and communication skills, strong quantitative skills. * A working knowledge of Microsoft Office (Excel, Word, and PowerPoint) are essential. * A background in Finance or Accounting is preferred. Location: The internship will be located in our New York City location. However, full time positions are targeted in the following primary offices: Charlotte, NC; Chicago, IL; New York, NY; San Francisco, CA, Los Angeles, CA Bank of America does not complete third party forms from colleges, universities, or other parties. CA Disclosure Language: The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position: FDIC, FINRA

Westamerica is among the largest commercial banks headquartered in California. We are looking for outstanding people to join our winning team. We reached our current strength because our employees, customers, and shareholders believe in the same fundamental goals. Delivering a wide variety of financial services with a superior customer service guarantee. Manages branch's commercial loan portfolio/deposits/growth. Works to achieve branch's identified profitability goals by increasing the existing Book of Business: Contacts prospect/clients to establish new bank relationships through the selling of appropriate bank products. Contacts current clients to retain and expand present bank relationships by cross-selling bank products. Directs sales activities of branch sales force: Conducts daily sales meeting. Actively sells Westamerica's bank products/services. Monitors results of sales activities as outlined in current WAB Sales Culture Booklet. Represents the bank in various civic and community activities in an effort to enhance the Bank's image and attract new business. Reviews delinquent loans and implements appropriate action to help correct situation. Requirements Commercial Lending experience Underwriting experience EOE Westamerica Bank's Privacy Policy may be found at: ********************************* Salary Description $70,304.00 - $82,128.00

Summary / Objective Responsible for preparing credit assessments and managing administrative matters related to credit. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform these functions. Review credit applications and supporting documentation, including appraisal and environmental reports, rent rolls, lease agreements, preliminary title reports, financial statements, tax returns, corporate documents, and compliance requirements. Complete appraisal reviews for new loan applications. Prepare credit assessments for new proposals and renewals. Communicate with frontline teams to collect required documents and revise proposals as needed. Recommend commercial loan and trade service transactions in the GCMS loan system (collateral, customer rating, facility rating, credit limit, loan agreement, and loan advances). Update Bankpoint for pipeline reporting and tracking of new loans. Conduct post -loan booking call -backs, including completion of closing checklists. Participate in property inspections. Review loan documentation to ensure accuracy and compliance with legal and bank policies. Perform additional duties and assignments as required. Adhere strictly to the Department/Bank's code of ethics. Competencies Language Skills: Read and interpret policies, procedures, and manuals; write reports and correspondence; communicate effectively with staff. Mathematical Skills: Calculate interest, percentages, ratios, and financial figures. Computer Skills: Proficient in database, word processing, internet, and spreadsheet software. Strong organizational and proofreading skills. Independent judgment and ability to perform high -level tasks. Analytical: Research and synthesize complex information. Problem -Solving: Identify issues and develop solutions. Interpersonal: Maintain confidentiality. Oral and Written Communication: Clear, persuasive, and professional. Teamwork: Open to feedback and collaboration. Supervisory Responsibility None. Physical Demands Primarily a sedentary role requiring use of computers, phones, and other office equipment. Some walking and interaction with staff required. Travel Requirements Occasional travel for property inspections. Required Education and Experience Bachelor's degree (B.A. or B.S.) from a four -year college or university. Two to five years of related experience and/or training. Equivalent combination of education and experience considered. Additional Qualifications Advanced English language skills. Other Duties This job description is not exhaustive. Duties, responsibilities, and activities may change at any time with or without notice. Employees may be assigned additional responsibilities as directed by supervisors or managers. Risk Management Responsibilities Employees are accountable for identifying, measuring, monitoring, and reporting risks proactively to senior management, as well as ensuring ongoing risk management and compliance.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Credit Officer in the Credit Risk team, you will be conducting the essential credit analysis, performing due diligence, and reviewing documentation for new commercial real estate transactions with an emphasis on multifamily lending. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities Implement all facets of credit analysis on commercial real estate/multifamily loans. Identify issues/concerns, evaluate results, and formulate effective recommendations in a timely manner. Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. Apply data analysis techniques to interpret results and provide insights and recommendations to management. Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. Required qualifications, capabilities and skills Minimum 2+ years of experience in commercial real estate lending or 3+ years in other banking/finance experience. Good understanding of multifamily real estate property valuations and cash flow analysis. Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. Excellent verbal/written communication and problem-solving skills. Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed. Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. Preferred qualifications, capabilities, and skills Bachelor's degree in accounting, finance, economics, or real estate is preferred. Familiarity with regional markets and municipal regulations. Experience with proprietary credit risk management tools. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.