Credit analyst jobs in Somerville, MA - 143 jobs

A leading financial institution in Boston seeks a Private Banker to develop, manage, and retain high net worth client relationships. The role involves providing financial advice, ensuring compliance with regulations, and utilizing strong relationship management skills. Candidates should possess a Bachelor's degree and five years of relevant experience in private wealth management. This position offers competitive salary and comprehensive benefits. #J-18808-Ljbffr

Morgan Stanley Investment Management (“MSIM”), together with its investment advisory affiliates, has more than 1,300 investment professionals around the world and $1.7 trillion in assets under management or supervision as of June 30, 2025. Morgan Stanley Investment Management strives to provide strong long-term investment performance, outstanding service and a comprehensive suite of investment management solutions to a diverse client base, which includes governments, institutions, corporations and individuals worldwide. Position Summary We are seeking an experienced Credit Analyst with 5-10 years of leveraged credit experience to join our credit research team. The successful candidate will conduct in-depth credit analysis of leveraged loan issuers and follow issuer and sector trends to support portfolio management decisions in the primary and secondary market. This role requires strong financial modeling skills, rigorous credit-risk assessment capabilities, and the ability to articulate credit views and recommendations in written memos and presentations. Key Responsibilities Perform fundamental credit analysis of companies issuing broadly syndicated floating-rate loans. Evaluate credit risk across quantitative, qualitative, structural and relative value factors. Build, maintain, and update detailed financial models with a focus on cash flow and valuation. Prepare and present written credit investment memos and recommendations for new investments, stressed situations and secondary opportunities. Track issuer performance against underwriting expectations, monitor credit quality and portfolio exposures on an ongoing basis, produce periodic updates and alert portfolio managers to emerging risks and opportunities. Analyze loan documentation and credit agreements (covenants, collateral structure, intercreditor terms, lien priority, security packages) to assess structural protections under different scenarios. Engage with management teams, private equity sponsors, debt-advisors, industry contacts, sell side desks and other stakeholders as necessary to perform due diligence, market / industry research and to source new loan investment opportunities. Collaborate with portfolio managers, traders, and senior investment professionals to communicate credit views, discuss investment ideas, and coordinate relative-value analysis across sectors and instruments. Required Qualifications & Skills Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field. Advanced degree (e.g. MBA) or relevant certification (e.g. CFA) is a plus. 5-10 years of direct experience analyzing leveraged loans / syndicated credits / high-yield / leveraged finance transactions. Strong financial modeling skills, including building and maintaining cash flow models, valuation models and stress testing. Deep understanding of financial statements, accounting principles, credit metrics and ability to interpret qualitative factors including industry dynamics, business strategy and management strength. Strong written and verbal communication skills - capable of preparing credit memos, investment recommendations and presenting to investment committees and senior stakeholders. Prior experience with portfolio monitoring, relative-value analysis and trading desk collaboration. Familiarity with regulatory, compliance, and risk-management frameworks applicable to leveraged credit investments. Ability to work independently, manage multiple assignments and deadlines, and adapt to a dynamic market environment. Attention to detail, critical thinking, and sound judgment. Proficiency in Microsoft Excel, Bloomberg and/or other credit research tools. As part of our team, you will apply rigorous credit analysis to develop and manage a portfolio of floating-rate leveraged loans, influence investment decisions and contribute to portfolio risk and return outcomes. WHAT YOU CAN EXPECT FROM MORGAN STANLEY: At Morgan Stanley, we raise, manage and allocate capital for our clients - helping them reach their goals. We do it in a way that's differentiated - and we've done that for 90 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you'll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There's also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste ***************************************************** into your browser. Expected base pay rates for the role will be between $125,000 and $250,000 per year atthe commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

Pioneer Investments is a diversified asset management firm and a key franchise of Victory Capital Management (VCTR). Founded in 1928, Pioneer currently manages over $125 billion in assets across a wide range of strategies. We are seeking a Credit Research Analyst to join our Corporate Credit Research team. About Victory Capital: Victory Capital (NASDAQ: VCTR) is a diversified global asset management firm. We serve institutional, intermediary, and individual clients through our Investment Franchises and Solutions Platform, which manage specialized investment strategies across traditional and alternative asset classes. Our differentiated approach combines the power of investment autonomy with the support of a robust, fully integrated operational and distribution platform. Clients have access to focused, top-tier investment talent equipped with comprehensive resources designed to deliver competitive long-term performance. Victory Capital is headquartered in San Antonio, Texas. To learn more, visit *********** or follow us on Facebook, Twitter (X), and LinkedIn. General Summary and Purpose: The Credit Research Analyst will contribute to the success of the fixed income team by providing fundamental investment research and analysis on individual corporate bond and leveraged loan issuers. The Credit Research Analyst will be responsible for covering one or more industry sectors across the Investment Grade, High Yield and Leveraged Loan asset classes. The analyst will work closely with other research analysts, sector teams, portfolio managers and traders to lead the development of sector and asset class investment views and opportunities You Will: • Contribute to the success of the fixed income team by efficiently providing fundamental investment research and analysis on individual corporate bond and leveraged loan issuers. • Recommend investment ideas within a relative and absolute value framework, factoring in expected risk-adjusted returns within capital structures and between companies in the same industry. • Execute on the three pillars of credit research: Buy discipline, Surveillance, Sell discipline. • Write credit summaries based on research with buy/sell/hold recommendations, build and maintain company financial models to support investment theses. • Analyze financial results and perform valuation analysis. • Interact with credit rating agencies, external research analysts, and other independent sources to obtain external views on individual industries and issuers. • Self-starter with a strong sense of curiosity • Strong analytical skills, with the ability to examine financial statements, macro factors and security/bond covenants and indentures • Ability to quickly assess financial data and generate investment recommendations • Skilled at synthesizing information from a wide range of sources and effectively conveying ideas to the broader fixed income team • Strong communication skills-clear, concise and credible- to present our research process to clients and consultants • Effective financial modeling, writing and presentation skills • Ability to work in a highly collaborative environment • Willingness to conduct travel as part of the investment research process You Have: • 3-8 years of credit experience obtained in investment management or banking • Bachelor's degree • CFA designation and/or MBA preferred • Strong proficiency with Excel and Bloomberg Our Benefits: Victory Capital Management offers excellent Medical, Dental, Vision plans, Flexible PTO, Family Medical and Disability Leaves, Education Tuition Reimbursement and a 401k plan with a generous employer match. Target Compensation: The target base salary range for this position is $125,000 - $150,000 . Salaries are determined based on internal equity, internal salary ranges, market data/ranges, applicant's skills and prior relevant experience, certain degrees, and certifications. Victory Capital Management operates a pay-for-performance compensation philosophy and total compensation may vary based on role, location, department and individual performance. Victory Capital Management's total compensation package includes the opportunity for annual compensation bonuses and/or commissions and a generous benefits package. We are committed to equal employment opportunity without regard to actual or perceived race, color, creed, religion, national origin, ancestry, citizenship status, age, sex or gender (including pregnancy, childbirth, pregnancy-related conditions, and lactation), gender identity or expression (including transgender status), sexual orientation, marital status, military service and veteran status, physical or mental disability, genetic information, height, weight, hair texture or a hairstyle historically associated with race to include braids, locks, or twists; or any other characteristic protected by applicable federal, state, or local laws and ordinances.

Hours: 40 Pay Details: $28.25 - $45.00 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Credit Management Job Description: Department Overview: This is a division of Credit Management concentrating in the management of commercial relationships assigned to the Workout Department at TD Bank. Portfolio managers and credit analysts gain exposure to the full breadth of commercial loans that TD underwrites. Syndications, ABL, Auto Finance, Middle Market, Investor CRE, Not For Profit and Community Banking are all the differing loan products managed within. The Credit Analyst II is responsible for conducting in-depth industry and financial analysis of existing and potential borrowers. This job works cooperatively to support the Lending and Credit functions of the Bank. Depth & Scope: Responsible for financial analysis of moderately complex loans/industries/Customers Works more independently but under the guidance and review of lead staff Good understanding of loan risk factors Researches industry specific information from outside sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times) Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition Supports the lending function by providing analytical support Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos Monitors compliance with regulatory requirements Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk Achieves operational performance standards in quality and timeliness Education & Experience: 4 year degree or equivalent experience 2+ years related experience required Developed knowledge of credit and financial analysis techniques. Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on an increasingly independent basis. Strong oral and written communication skills. Strong analytical and research skills. Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software. Ability to multi-task and meet deadlines. Ability to maintain the confidentiality of credit and Customer information. Good interpersonal skills and a team orientation. Preferred Qualifications: Commercial credit experience Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel - Occasional International Travel - Never Performing sedentary work - Continuous Performing multiple tasks - Continuous Operating standard office equipment - Continuous Responding quickly to sounds - Occasional Sitting - Continuous Standing - Occasional Walking - Occasional Moving safely in confined spaces - Occasional Lifting/Carrying (under 25 lbs.) - Occasional Lifting/Carrying (over 25 lbs.) - Never Squatting - Occasional Bending - Occasional Kneeling - Never Crawling - Never Climbing - Never Reaching overhead - Never Reaching forward - Occasional Pushing - Never Pulling - Never Twisting - Never Concentrating for long periods of time - Continuous Applying common sense to deal with problems involving standardized situations - Continuous Reading, writing and comprehending instructions - Continuous Adding, subtracting, multiplying and dividing - Continuous 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 and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.` Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank 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, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Morgan Stanley Investment Management (“MSIM”), together with its investment advisory affiliates, has more than 1,300 investment professionals around the world and $1.7 trillion in assets under management or supervision as of June 30, 2025. Morgan Stanley Investment Management strives to provide strong long-term investment performance, outstanding service and a comprehensive suite of investment management solutions to a diverse client base, which includes governments, institutions, corporations and individuals worldwide. Position Summary We are seeking an experienced Credit Analyst with 5-10 years of leveraged credit experience to join our credit research team. The successful candidate will conduct in-depth credit analysis of leveraged loan issuers and follow issuer and sector trends to support portfolio management decisions in the primary and secondary market. This role requires strong financial modeling skills, rigorous credit-risk assessment capabilities, and the ability to articulate credit views and recommendations in written memos and presentations. Key Responsibilities Perform fundamental credit analysis of companies issuing broadly syndicated floating-rate loans. Evaluate credit risk across quantitative, qualitative, structural and relative value factors. Build, maintain, and update detailed financial models with a focus on cash flow and valuation. Prepare and present written credit investment memos and recommendations for new investments, stressed situations and secondary opportunities. Track issuer performance against underwriting expectations, monitor credit quality and portfolio exposures on an ongoing basis, produce periodic updates and alert portfolio managers to emerging risks and opportunities. Analyze loan documentation and credit agreements (covenants, collateral structure, intercreditor terms, lien priority, security packages) to assess structural protections under different scenarios. Engage with management teams, private equity sponsors, debt-advisors, industry contacts, sell side desks and other stakeholders as necessary to perform due diligence, market / industry research and to source new loan investment opportunities. Collaborate with portfolio managers, traders, and senior investment professionals to communicate credit views, discuss investment ideas, and coordinate relative-value analysis across sectors and instruments. Required Qualifications & Skills Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field. Advanced degree (e.g. MBA) or relevant certification (e.g. CFA) is a plus. 5-10 years of direct experience analyzing leveraged loans / syndicated credits / high-yield / leveraged finance transactions. Strong financial modeling skills, including building and maintaining cash flow models, valuation models and stress testing. Deep understanding of financial statements, accounting principles, credit metrics and ability to interpret qualitative factors including industry dynamics, business strategy and management strength. Strong written and verbal communication skills - capable of preparing credit memos, investment recommendations and presenting to investment committees and senior stakeholders. Prior experience with portfolio monitoring, relative-value analysis and trading desk collaboration. Familiarity with regulatory, compliance, and risk-management frameworks applicable to leveraged credit investments. Ability to work independently, manage multiple assignments and deadlines, and adapt to a dynamic market environment. Attention to detail, critical thinking, and sound judgment. Proficiency in Microsoft Excel, Bloomberg and/or other credit research tools. As part of our team, you will apply rigorous credit analysis to develop and manage a portfolio of floating-rate leveraged loans, influence investment decisions and contribute to portfolio risk and return outcomes. WHAT YOU CAN EXPECT FROM MORGAN STANLEY: At Morgan Stanley, we raise, manage and allocate capital for our clients - helping them reach their goals. We do it in a way that's differentiated - and we've done that for 90 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you'll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There's also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste ***************************************************** into your browser. Expected base pay rates for the role will be between $125,000 and $250,000 per year atthe commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

Salary Grade:14 Identifies potential credit risks associated with new and existing commercial borrowers through the financial analysis process and works collaboratively with the Commercial Lenders to mitigate these risks. ESSENTIAL JOB FUNCTIONS & RESPONSIBILITIES: Credit Analysis Works collaboratively with the commercial lenders to provide an independent analysis of commercial borrowers in the identification and mitigation of potential credit risks; this process involves but is not limited to a thorough financial analysis, projecting cash flow and collateral evaluations Provides independent input in the process of risk rating commercial borrowers Responsible for annual review date tracking for commercial customers Distribute reviews to lenders and monitor follow up needed based on results of assessment of the third party loan review vendor Responsible for accurately completing credit analysis with basic levels of complexity Credit Administration Duties Assists in the compilation of various reports for Loan Committee and the weekly distribution of the Loan Committee packages as needed Other duties as assigned QUALIFICATIONS: EDUCATION & CERTIFICATIONS: (Minimum education required to perform the duties of this position) Bachelor degree required; major in accounting or finance preferable KNOWLEDGE, SKILLS & ABILITIES: One to two years of banking or business experience preferred Understanding of all Microsoft Office applications Ability to handle multiple priorities and significant workload Ability and willingness to produce high quantity and high quality work COMPETENCIES: Must have cyber security awareness to protect the digital environment, the Bank, and customers. Problem Solving Verbal and Written Communication Critical Thinking Skills Adaptability Eager Learner Learning Agility

Do you have what it takes to win? Like a championship team, a leading global sports brand is built with a solid foundation of players at all levels who have an unending desire and dedication not only to succeed, but also to win. At Peak Achievement Athletics, our championship team is deeply committed to developing the most innovative sports equipment in the industry and we are always looking to strengthen our roster with talented players. Purpose & Core Values: Our purpose at Bauer Hockey/ Cascade Maverik Lacrosse is to enrich life experiences through sports. We have the responsibility to cultivate the future of our brands. We are always “we” and never “I”. We love what we do. We believe anything is possible and work to be our best. We strive to always redefine the standard of excellence in all that we do. Want to join our team as a Credit Analyst? The Credit Analyst contacts customers to address outstanding accounts receivable, creates cash forecasts, analyzes customer financial standing, manages orders, resolves disputes, and makes recommendations to mitigate risk for Accounts Receivable. This role develops strong relationships with internal & external customers; it addresses outstanding accounts effectively, securing prompt payment from customers while employing commercial sensitivity, business acumen, and good judgement. It also ensures procedures and internal controls are followed in compliance with corporate initiatives. This role reports to the Credit Supervisor and sits in our Exeter, NH office. The team works 3 days a week onsite, and 2 days a week from home. Essential Job Functions & Responsibilities: Manage accounts across multiple company codes and lines of business. Interact with customers during ongoing development of credit and financial history. The customer base has significant impact on the success of PAA. Analyze customer financial status, market conditions, and payment history to assess risk and make credit recommendations. Provide financial order management support to Supply Chain and Sales personnel to control credit exposure, effect timely payment and minimize risk of customer disputes. Proactively provide financial guidance in review of order backlog to control credit exposure. Manage credit hold status in SAP and recommend credit hold on product when applicable. Promptly notify appropriate team(s) of any customer disputes and/or collection issue preventing timely release of order and pursue issue to resolution. Recommend and implement credit extensions/revocations, and/or legal action where necessary. Evaluate the need for financial statements and security instruments on customers; facilitate obtaining and monitoring their effectiveness. Review Sales forecast to proactively identify potential credit issues. Deliver bi-weekly cash forecast requiring analysis of customer payment trends and customer feedback. Conduct collection calls and written communication to collect accounts receivable. Handle customer disputes to resolution and document root causes. Resolve billing discrepancies in a timely manner to increase cash flow and minimize accounts receivable delinquency. Negotiate payment plans, manage special credit arrangements and deviations from standard terms of payment. Review and make recommendations regarding bad debt or write-offs. Maintain accurate credit and collection files according to internal controls/policy. Maintain electronic collection notes for each customer account. Qualifications: Bachelor's degree in accounting, finance, business, or related field Minimum 1-2 years of experience in credit and collections (or equivalent experience). Strong written/verbal communication skills. Ability to interpret accounting principles of customer financial statements. Intermediate analytical and financial aptitude skills in risk assessment. Expert PC skills, including advanced level knowledge of Excel; SAP experience preferred. Understanding of corporate department functions, systems, processes and policies. Experience resolving complex problems where analyses of situations or data require an in-depth evaluation of various factors in imaginative and practical ways. Excellent interpersonal skills and ability to effectively communicate at all levels of the organization. Ability to thrive independently, prioritize work and support changing needs of a dynamic environment. Results driven and detail orientated. Demonstrated customer service skills and commitment to quality excellence. Ability to work in a fast-paced, dynamic environment and adjust quickly to changing priorities or business needs. Interested yet? Good. We are, too. We're pretty sure you'll want to know this position is eligible to participate in the Company's incentive plan. We also offer one of the most generous benefits packages around including a 401(k) savings plan with employer match, paid parental leave, an employee discount program on apparel and gear, casual & hybrid work environment and a host of other perks we don't have room to mention here. We are committed to employing a diverse workforce and are an equal opportunity employer. We use AI-assisted tools during parts of our recruitment process to help ensure fairness and efficiency. All final hiring decisions are made by our human hiring team.

Independently develops concise and accurate credit analyses of prospects and current customers in a deadline focused environment with minimal guidance. Uses expertise to evaluate both private and public entities some of which include review of complex transactions. Analyses are well written and reflect a comprehensive understanding of the credit risk and its relationship to the recommended collateral products and unsecured exposure. Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs. Facilitate the approval of exception when needed. Communicates financial results, trends and business implications to management, stakeholders and other groups at the appropriate level of detail. Proactively leads complex efforts to continuously improve processes to ensure work is performed as efficiently and effective as possible. Uses business acumen and strong analytical expertise to perform complex ad hoc analysis. Demonstrates strong verbal and written communication skills. Leads development and facilitation of training. Travels to and supports underwriting at broker and client meetings as required. Responsibilities Accurately analyzes financial statements and related filings for a diverse and complex group of different size policyholders and prospective customers. Conducts analysis that includes assigned credit rating, key strengths, weaknesses, industry outlook and recommended collateral options. Collaborate with underwriters and management to determine appropriate collateral amounts and structures for insured programs. Facilitate the approval of exception when needed. Understands and interprets financial statements of varying quality including internally company prepared statements up to those prepared in accordance with GAAP or IFRS. Understands various organizational structures, investment and debt has on the creditworthiness of subject companies. Regularly accesses and appropriately utilizes a variety of informational resources including First Research, Rating Agencies and other related sources to identify and understand trends and gauge subject company performance relative to peers and industry. Thorough understanding of insurance products, collateral types and associated credit risk. Drives the production of complex management reports and associated results analysis, using business acumen and analytical ability to lead the team in identifying business drivers of results and communicating them effectively. Continually assesses the business value and efficiency of the work performed, identifies problems and opportunities, drives implementation and monitors results. Initiates and leads complex department projects and continuous improvement activities that may include working cross functionally with other departments. Supports development of team members by sharing best practices, conducting peer reviews that identify strengths and opportunities, and training of less experienced analysts. The selected candidate should live within 50 miles of a GRS hub office, and be able to come into the office two days/week. Qualifications Bachelor`s degree (Finance or Accounting) required CPA or advanced degree in Accounting, Finance, or Business preferred Minimum of 5 years of finance experience. Experience with credit analysis and/or financial statement analysis is preferred. Must demonstrate attention to detail in a fast-paced work environment and the ability to manage and prioritize multiple accounts and projects simultaneously to drive results Communicates well with own team and across organizational boundaries to ensure the successful completion of shared goals Comfortable leading meetings and able to communicate issues and trends to senior management and other groups at the appropriate level of detail Solid understanding of Finance Tools and Analytical Methods About Us Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: *********************** Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law. Fair Chance Notices California Los Angeles Incorporated Los Angeles Unincorporated Philadelphia San Francisco We can recommend jobs specifically for you! Click here to get started.

Under the general direction of the Credit Manager performs a variety of credit related duties including financial statement analysis and review of loan documentation. A Senior Analyst will work independently with minimal supervision by the Credit Manager. ESSENTIAL FUNCTIONS & RESPONSIBILITIES: Independently completes written analysis on complex credit requests from new and existing customers. The loan request may be Commercial Business (C&I), Commercial Real Estate or Commercial Construction in nature. As part of the analysis, the incumbent will analyze the general market and industry, the borrower's financial information to determine repayment ability, collateral support, and guarantor support. Determines adequacy of information provided and requests additional data when needed. Meets independently with the loan officer to discuss issues, ask questions and follows-up with the borrower if necessary. Evaluates Bank risk, recommending approval or declination of the loan. Works independently. Annually reviews the credit quality of designated loans in the Bank's existing commercial loan portfolio. Examines loan documentation and updated financial information. Examines trends in repayment ability, collateral support and guarantor support and communicates improvement/deterioration in credit quality and impact on Risk Ratings. Performs abbreviated credit analysis on renewing loans. Works independently. In adherence with the Bank's loan policy, identify strengths and weaknesses with each credit and recommends appropriate risk ratings. Using LoanVantage or similar software, spreads the business financial statements and corporate tax returns for Loan Officers. When necessary, analyses the customer's projections for reasonableness and prepares additional projection scenarios using the statement spreading software. Works independently. In he absence of the Credit Manager, provides direction and assistance to the Credit Analyst(s), manages the Credit Department pipeline and works with the CLO and Senior Credit Manager on projects as needed. Keeps abreast of new developments and regulatory changes in the Credit and Lending fields. Attends courses and seminars deemed appropriate and reads topical literature. Performs other responsibilities as required. SUPERVISORY RESPONSIBILITIES: Coaches junior Credit Analysts and reviews work as directed by the Credit Manager. REQUIREMENTS (Knowledge, Skills, Abilities, and Education and/or Experience): Bachelor's Degree or related experience; business management, finance, accounting or economics preferred 5-7 years credit analysis experience, preferably in the Banking environment Leadership and supervisory experience demonstrated in prior work history Strong understanding of accounting concepts and analytical skills Excellent interpersonal skills, ability to interact with senior management Excellent written and oral communication skills. Strong computer skills, ability to work in Microsoft Office Ability to work independently, manage competing priorities and meet deadlines. Familiarity with all types of commercial loan analyses NSB offers competitive benefits packages, which include the following: Medical, Dental and Vision on day 1 - no waiting period 401k with company match Paid Time Off - Holiday Pay FSA/DC/HSA Accounts Company Paid Short-Term Disability Company Paid Long-Term Disability Paid Family Medical Leave Company Paid Life & ADD Voluntary Life Tuition Assistance Hospital Indemnity Plan Employee Referral Bonus Employee Banking Discounts Supplemental Insurance Plans with AFLAC Pet Insurance Weekly Jeans Day Program Service Recognition Program Wellness Benefits including Weight Watchers, Mind & Body, Gym Memberships and much more! At North Shore Bank, we are committed to creating a place as diverse as the communities we serve. Our core values shape the decisions we make every day and help to define our company culture and it is these values that comprise what we call, “well north of your expectations”. Our core values include leadership, integrity/transparency, respect, adaptability, collaboration, accountability, and empathy. North Shore Bank is an EOE. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

Salary Grade:14 Identifies potential credit risks associated with new and existing commercial borrowers through the financial analysis process and works collaboratively with the Commercial Lenders to mitigate these risks. ESSENTIAL JOB FUNCTIONS & RESPONSIBILITIES: Credit Analysis Works collaboratively with the commercial lenders to provide an independent analysis of commercial borrowers in the identification and mitigation of potential credit risks; this process involves but is not limited to a thorough financial analysis, projecting cash flow and collateral evaluations Provides independent input in the process of risk rating commercial borrowers Responsible for annual review date tracking for commercial customers Distribute reviews to lenders and monitor follow up needed based on results of assessment of the third party loan review vendor Responsible for accurately completing credit analysis with basic levels of complexity Credit Administration Duties Assists in the compilation of various reports for Loan Committee and the weekly distribution of the Loan Committee packages as needed Other duties as assigned QUALIFICATIONS: EDUCATION & CERTIFICATIONS: (Minimum education required to perform the duties of this position) Bachelor degree required; major in accounting or finance preferable KNOWLEDGE, SKILLS & ABILITIES: One to two years of banking or business experience preferred Understanding of all Microsoft Office applications Ability to handle multiple priorities and significant workload Ability and willingness to produce high quantity and high quality work COMPETENCIES: Must have cyber security awareness to protect the digital environment, the Bank, and customers. Problem Solving Verbal and Written Communication Critical Thinking Skills Adaptability Eager Learner Learning Agility

Performs commercial credit analysis and recommends appropriate credit structure on the most complex credit relationships in conformance with established policies, procedures, and objectives. Performs any functions, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers and co-workers. This is a hybrid eligble position: 3 days in the office and 2 days remote. Responsibilities Spread a variety of financial statements and prepare cash flow analyses. Analyze financial statements and provide interpretative analysis for use in loan decision making. Underwrite new money requests, renewals, and modifications. Underwrite existing credits as part of the Bank's routine portfolio monitoring. This includes mortgage and investment reviews as well as authoring annual portfolio monitoring reports presented to Senior Management, the Board, and other Bank Committees. Work with credit colleagues, lenders, lending assistants, and other departments on a routine basis, demonstrating strong communication and teamwork skills throughout. Support and lead special projects within the Credit Analysis Department as required. Train and mentor assigned Credit Assistant and Credit Analysis Intern(s) in underwriting. Perform all duties in compliance with regulatory guidelines. Performs any functions, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers and co-workers. Requirements Education Bachelor's Degree plus specialized course work and training is required An advanced business degree Work Experience 7+ years of commercial (C&I and/or CRE) credit-related experience is required Additional Requirements Must demonstrate a strong knowledge of commercial credit analysis including the ability to analyze repayment sources, evaluate risk, identify risk mitigation, and provide deep insight into the creditworthiness of a commercial borrower. Working knowledge of accounting and a solid understanding of commercial loan documentation. High attention to detail with strong analytical, communication, and interpersonal skills required. Strong working knowledge of Microsoft Office Suite and ability to learn new software, including the Bank's Commercial Loan Origination System. Expected Pay Range The expected annual pay range for this role is $76,463 to $135,731. This pay range is the annual salary we in good faith expect to pay for this role at the time of posting. Actual compensation paid may fluctuate higher or lower than the posted range and the range may be modified in the future due to several factors including, but not limited to, relevant experience, certifications, and qualifications, internal equity, adjustments to the requirements and responsibilities of the job, business needs, and economic and market data. EEO Statement Middlesex Savings Bank is an Equal Opportunity Employer/protected Veterans/Individuals with Disabilities

Responsible for analyzing and monitoring the credit worthiness of the Bank's commercial customers. Recommend credit facilities within the established bank guidelines. ESSENTIAL DUTIES & RESPONSIBILITIES Collect and track receipt of financial statements, borrowing base certificates, and covenant compliance certificates from existing customers Perform annual reviews of existing relationships including spreading financial statements, analyzing corporate borrower's financial performance and condition, evaluating cash flow, collateral, guarantor support and other pertinent factors Produce modification requests for existing relationships Prepare preliminary analysis, typically financial statement spreads and cash flow calculation, of prospective borrowers Underwrite new loan requests including above referenced analysis as well as evaluation of proposed transaction Assign risk ratings as appropriate and monitor covenant compliance Provide analytical support to Senior Credit Analyst and Account Officers as needed Attend and participate in meetings with customer and Account Officer as needed Be prepared to discuss proposals with approval authorities on a one-on-one basis as well as in a committee setting Perform additional duties as requested, needed or assigned JOB REQUIREMENTS Knowledge of commercial and industrial lending practices and related areas Knowledge of financial institution regulatory environment and policy Ability to work independently with some guidance from team members Prioritize work product in order to meet varying deadlines Excellent knowledge of corporate and personal financial statements Excellent financial analytical skills with sound judgment and decision making abilities Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable and highly self-motivated Aptitude in Microsoft Office Suite, especially Excel and Word Experience with spreading software Excellent written and verbal English communication skills Ability to adhere to Needham Bank's Core Values ( Quick-Decision-Making, Reliability, Relationship-Based Focus and Quality Service ) Represent the Bank at various community functions Participate on Bank task forces and committees as assigned Engage in continuing education opportunities as they become available EDUCATION & EXPERIENCE Bachelor's degree in Accounting/Finance or related area At least 2 years of Commercial and Industrial Lending credit experience with loan exposures ranging from $500,000 to $35 million. SBA underwriting experience preferred. WORKING CONDITIONS/PHYSICAL DEMANDS Normal business office environment Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short and long term disability insurance, tuition reimbursement, and an Employee Assistance Program. We offer a great benefit package to our eligible part-time employees as well. Pay Range: $69,794.45 - $90,732.79 The pay range provided is based on what we believe is a reasonable estimate for the pay range for this job at the time of posting. Actual pay may vary based on experience, skills, and market factors; additional compensation may apply. At NB, we are dedicated to building a diverse, inclusive and authentic workplace - if you are excited about this role, but your past experience doesn't align perfectly with every qualification in the job description, we still encourage you to apply. You may be just the right candidate for this or other roles. Needham Bank is an Equal Opportunity/Affirmative Action Employer. Needham Bank will provide all applicants for employment and all employees with equal opportunity for employment and promotion regardless of race, color, religion, gender, national origin or ancestry, age, disability, veteran status, military service, sexual orientation, genetic information, or gender identity.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Lead Credit Officer - Vice President in Commercial and Specialized Industries Risk, you will collaborate with a cross-functional team to deliver credit solutions that support companies' financing needs, including working capital, general corporate purposes, acquisition finance, and dividend recapitalizations. You will work with privately-held and publicly-traded companies, family-owned businesses, and financial sponsors. This risk management position supports the Northeast segment and covers companies across diversified industries with revenues ranging from $20 million to $2 billion. Credit executions include bilateral structures, syndicated deals, institutional loans, and direct lending. A critical aspect of this role is the ability to develop and communicate a comprehensive understanding of the business, financial, and industry risks faced by clients and prospects in the assigned portfolio. You will utilize this insight to accurately risk grade borrowers, analyze credit requests, structure credit facilities, and negotiate credit agreements and other loan documentation. Job Responsibilities Utilize excellent credit analysis and financial modeling skills to perform due diligence in order to structure and recommend new transactions while maintaining an appropriate balance between risk and reward Lead complex and time-sensitive leveraged finance transactions and LBOs, including the negotiation of legal documentation for bilateral, pro-rata, broadly syndicated, and direct lending structures Independently manage the assigned credit portfolio on an ongoing basis while ensuring data integrity Assess and process risk rating changes in a timely manner Use critical reasoning to develop well-considered credit views, taking into account company-specific and industry risks Clearly and concisely communicate and defend credit views to internal stakeholders and senior leadership Serve as an effective challenge to the banking team in your role as second line of defense Utilize strong time management skills and act with a sense of urgency to meet expectations and deadlines, driving deals to closure Work with internal and external stakeholders in a proactive, constructive, and responsive manner to effectively manage and execute transactions Convey a thorough understanding of credit policy and procedures Contribute to the broader objectives of the Risk organization, including developing junior talent and participating in various projects and efficiency exercises Demonstrate excellent communication skills Required Qualifications, Capabilities, and Skills BA/BS/BBA degree is required Completion of a major corporate or commercial bank credit training program (or equivalent corporate banking/corporate finance experience) with a thorough understanding of bank credit policies and procedures Minimum 7 years' experience in middle market and mid-corporate lending, including extensive credit analysis, structuring of leveraged finance transactions, and negotiation of loan documentation Experience working with portfolio companies of private equity firms Significant accounting and finance knowledge with superior financial modeling skills Strong working knowledge of credit agreements and other loan documentation, along with solid negotiation skills Demonstrated ability to problem-solve and think both critically and analytically Proven ability to collaborate and build strong partnerships Excellent organizational and project management skills with the ability to manage competing priorities under tight deadlines Intellectual curiosity with a proven ability to learn quickly Demonstrated ability to take initiative, self-direct, and work well under pressure Excellent verbal, interpersonal, and written communication skills Proficient with Microsoft Office, including Excel and PowerPoint

Hours: 40 Pay Details: $120,000 - $198,000 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Personal & Commercial Banking Job Description: Department Overview: The CSB Credit Specialist II - REITs, CRE Funds, and Capital Call Facilities Credit will independently manage an existing portfolio and underwrite new credits to public REITs, private CRE funds, and Capital Call Facilities to CRE sponsors. The above details are specific to the role which is outlined in the general description below. The CSB Credit Specialist II is responsible for ensuring quality and compliance within an assigned portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. The CSB Credit Specialist II performs the credit underwriting and credit administration functions. The CSB Credit Specialist II works to achieve credit management objectives within the team. The job works closely with the Relationship Manager and Credit Officer to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships. Depth & Scope: * Performs in depth credit analysis for which a majority of accounts consist of; highly diverse portfolios at the highest complexity; large pieces of a much bigger client portfolio that may include other institutions and input; risk factors that create large variables to create decisions on portfolios * Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines * Partners with the Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines * Attends site visits and prospect/customer calls as needed or as requested * With support from the Credit Analyst, prepares credit applications for new and existing borrowers; Applications shall include new transactions, extensions, modifications, renewals and Annual Reviews * Ensures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adheres to AIRB methodology and addresses TD Banks profitability objectives * Manages the timely approval, documentation preparation and negotiation, and closing of new and existing transactions * Be knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc.) and ensures that all staff complete required compliance attestations/training within required timelines * Ensures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures * Interprets and applies TDs risk management strategy (both credit and operational) * Understands changing market conditions and remain knowledgeable of relevant industry issues * Manages aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and determining strategy if failures occur, completing monthly monitoring; overseeing Credit Analysts that will provide support in these responsibilities Education & Experience: * 4 year Undergraduate degree; advanced degree in financial discipline preferred, other advanced degree considered * 7+ years' experience in related field * Excellent credit underwriting and administration skills; considered subject matter expert in complex credit understanding * Superior ability to identify and mitigate risk * Ability to provide value-add structuring alternatives for highly complex credits * Strong written and excellent verbal communication skills with solid business acumen * Solid interpersonal skills * Customer focused * Strong planning and organizational skills * Ability to problem solve in more complex situations * Technologically proficient Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% * Domestic Travel - Occasional * International Travel - Never * Performing sedentary work - Continuous * Performing multiple tasks - Continuous * Operating standard office equipment - Continuous * Responding quickly to sounds - Occasional * Sitting - Continuous * Standing - Occasional * Walking - Occasional * Moving safely in confined spaces - Occasional * Lifting/Carrying (under 25 lbs.) - Occasional * Lifting/Carrying (over 25 lbs.) - Never * Squatting - Occasional * Bending - Occasional * Kneeling - Never * Crawling - Never * Climbing - Never * Reaching overhead - Never * Reaching forward - Occasional * Pushing - Never * Pulling - Never * Twisting - Never * Concentrating for long periods of time - Continuous * Applying common sense to deal with problems involving standardized situations - Continuous * Reading, writing and comprehending instructions - Continuous * Adding, subtracting, multiplying and dividing - Continuous 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 and skills required. The listed or specified responsibilities & duties are considered "essential functions" for ADA purposes. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank 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, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

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

Ready to Put Your Financial Skills to Work? Join MountainOne Bank as a Commercial Credit Analyst! At MountainOne Bank, we believe in smart lending, strong relationships, and local impact. We're looking for a Commercial Credit Analyst who's ready to support our lending team with sharp insights, sound judgement, and a passion for helping businesses grow. If you're detail-oriented, driven, and excited to dive into financials, this is your opportunity to build a meaningful career with a bank that values your contribution. What You'll Do: Analyze financial statements and credit reports to assess borrower risk Support the commercial lenders with underwriting, portfolio monitoring, and deal structuring Prepare clear, concise credit memos and risk assessments Help maintain a high-quality loan portfolio through ongoing review and analysis Gain hands-on experience while working closely with seasoned professionals Why MountainOne? A trusted, community-focused bank with deep local roots Career growth and development opportunities A collaborative team culture where your work makes a real impact Ongoing training and mentorship from experienced credit professionals Your future in commercial banking starts here! Join MountainOne Bank and help power local success - one loan at a time! Salary Range: $55,000 - $74,000 per year, based on experience

Tell us about a friend who might be interested in this job. All privacy rights will be protected. PREFERRED QUALIFICATIONS Current student of an undergraduate program in Business Administration, Finance, or a related field. Strong interest in financial analysis related projects. Must be proficient with MS Office (Excel, Word, PowerPoint). Strong organizational skills and an ability to multitask are required to meet deadline driven projects in a fast-paced environment. Interpersonal skills are required as the incumbent will interact with various company personnel, at all levels, as well as external partners. Ability to work independently and as part of a team. Strong attention to detail. As the incumbent is exposed to confidential financial results, the applicant should have a high degree of integrity and professionalism. Please note that the Lottery will not consider family members of current employees as eligible for employment. Family members shall include an employee's spouse, brother, sister, children, stepchildren, parents, stepparents, sister/brother-in law, or an individual residing in an employee's household. The Massachusetts State Lottery Commission is an Equal Opportunity Employer and does not discriminate on the basis of race, religion, color, sex, gender identity or expression, sexual orientation, age, disability, national origin, veteran status, or any other basis covered by appropriate law. PROGRAM OVERVIEW The Massachusetts State Lottery Commission (“MSLC”) Summer Internship Program provides emerging leaders with the opportunity to build a foundational understanding of career pathways in public service through experiential learning opportunities. Interns will participate in weekly professional development workshops, mentoring opportunities, and conclude the program with a final presentation to showcase the insights they've developed over the summer. JOB SUMMARY In partnership with the Office of the State Treasurer and Receiver General (“Treasury”), the Massachusetts State Lottery Commission (“MSLC”) is seeking an intern to join its Credit & Collections team within the Finance department. This position will provide the successful candidate with an excellent opportunity to gain valuable, real-world skills relevant to the operations of a state-run organization with exposure to Accounting, Finance, and professional development opportunities. Applicants with a demonstrated interest in promoting DEI&B in the financial services industry and students who can bring a unique and authentic perspective to the MSLC are especially encouraged to apply. ESSENTIAL FUNCTIONS Provide support to the finance, credit & collections and operations teams. This includes accurate accounting of weekly agent invoices and corresponding through mail and electronically with agent requests. In addition, this role oversees collection efforts of any outstanding receivables owed to the lottery ensuring all efforts are undertaken to collect funds owed. Coordinate with licensing and accounting units for the establishment, termination, and changes in agent license status. Provide support to the claims department when necessary. This includes the opening and logging of daily mail, paying mail-in claims and organizing department files. Ensure all relevant inquiries are managed professionally and procedures are followed to help promote reliability. This includes collaboratively compiling and maintaining detailed tracking for shared use by department members. Fulfill additional tasks as required. SCHEDULE This is a full-time paid internship from June 1, 2026 - August 28, 2026. Program dates can be flexible based on the selected candidate's school schedule. This internship is hybrid eligible. The hybrid schedule requires a minimum of 2 days/week in the Dorchester office. One of those days must be either a Monday or a Friday. Additional in-person days may be required for training, meetings or team projects. WHO WE ARE The mission of The Lottery is to: Secure the integrity of our games; Protect the well-being of our customers; Maximize revenues returned to the Commonwealth for the benefit of our cities and towns. Since selling its first ticket in 1972, the Mass Lottery has generated over $161 billion in revenues, awarded over $114 billion in prizes, returned over $34 billion in net profit to the Commonwealth for unrestricted local aid provided to cities and towns, and paid over $9.2 billion in commissions and bonuses to its statewide network of retailers. More information can be found on our website at https\://********************* APPLICATION DEADLINE IS FEBRUARY 28, 2026. INTERVIEWS WILL BE SCHEDULED IN MARCH. Apply for a Job Apply for a Job for JAWS Users Create a Profile Create a Profile for JAWS Users System Requirements

Credit & Collections Intern - (2600009W) Description PROGRAM OVERVIEWThe Massachusetts State Lottery Commission (“MSLC”) Summer Internship Program provides emerging leaders with the opportunity to build a foundational understanding of career pathways in public service through experiential learning opportunities. Interns will participate in weekly professional development workshops, mentoring opportunities, and conclude the program with a final presentation to showcase the insights they've developed over the summer. JOB SUMMARYIn partnership with the Office of the State Treasurer and Receiver General (“Treasury”), the Massachusetts State Lottery Commission (“MSLC”) is seeking an intern to join its Credit & Collections team within the Finance department. This position will provide the successful candidate with an excellent opportunity to gain valuable, real-world skills relevant to the operations of a state-run organization with exposure to Accounting, Finance, and professional development opportunities.Applicants with a demonstrated interest in promoting DEI&B in the financial services industry and students who can bring a unique and authentic perspective to the MSLC are especially encouraged to apply. ESSENTIAL FUNCTIONSProvide support to the finance, credit & collections and operations teams. This includes accurate accounting of weekly agent invoices and corresponding through mail and electronically with agent requests. In addition, this role oversees collection efforts of any outstanding receivables owed to the lottery ensuring all efforts are undertaken to collect funds owed.Coordinate with licensing and accounting units for the establishment, termination, and changes in agent license status.Provide support to the claims department when necessary. This includes the opening and logging of daily mail, paying mail-in claims and organizing department files.Ensure all relevant inquiries are managed professionally and procedures are followed to help promote reliability. This includes collaboratively compiling and maintaining detailed tracking for shared use by department members.Fulfill additional tasks as required.SCHEDULEThis is a full-time paid internship from June 1, 2026 - August 28, 2026. Program dates can be flexible based on the selected candidate's school schedule. This internship is hybrid eligible. The hybrid schedule requires a minimum of 2 days/week in the Dorchester office. One of those days must be either a Monday or a Friday. Additional in-person days may be required for training, meetings or team projects. WHO WE AREThe mission of The Lottery is to:Secure the integrity of our games;Protect the well-being of our customers;Maximize revenues returned to the Commonwealth for the benefit of our cities and towns. Since selling its first ticket in 1972, the Mass Lottery has generated over $161 billion in revenues, awarded over $114 billion in prizes, returned over $34 billion in net profit to the Commonwealth for unrestricted local aid provided to cities and towns, and paid over $9.2 billion in commissions and bonuses to its statewide network of retailers. More information can be found on our website at **************************************** DEADLINE IS FEBRUARY 28, 2026. INTERVIEWS WILL BE SCHEDULED IN MARCH. Qualifications PREFERRED QUALIFICATIONSCurrent student of an undergraduate program in Business Administration, Finance, or a related field.Strong interest in financial analysis related projects.Must be proficient with MS Office (Excel, Word, PowerPoint).Strong organizational skills and an ability to multitask are required to meet deadline driven projects in a fast-paced environment.Interpersonal skills are required as the incumbent will interact with various company personnel, at all levels, as well as external partners.Ability to work independently and as part of a team.Strong attention to detail.As the incumbent is exposed to confidential financial results, the applicant should have a high degree of integrity and professionalism.Please note that the Lottery will not consider family members of current employees as eligible for employment. Family members shall include an employee's spouse, brother, sister, children, stepchildren, parents, stepparents, sister/brother-in law, or an individual residing in an employee's household. The Massachusetts State Lottery Commission is an Equal Opportunity Employer and does not discriminate on the basis of race, religion, color, sex, gender identity or expression, sexual orientation, age, disability, national origin, veteran status, or any other basis covered by appropriate law. Official Title: Student InternPrimary Location: United States-Massachusetts-Boston - 150 Mt. Vernon StreetJob: Accounting and FinanceAgency: State Lottery CommissionSchedule: Full-time Shift: DayJob Posting: Jan 15, 2026, 10:34:59 AMNumber of Openings: 1Salary: 22.00 - 22.00 HourlyIf you have Diversity, Affirmative Action or Equal Employment Opportunity questions or need a Reasonable Accommodation, please contact Diversity Officer / ADA Coordinator: Christine Mountain - **********Potentially Eligible for a Hybrid Work Schedule: YesGuidesApply for a Job Apply for a Job for JAWS Users Create a Profile Create a Profile for JAWS Users System Requirements

The Massachusetts State Lottery Commission ("MSLC") Summer Internship Program provides emerging leaders with the opportunity to build a foundational understanding of career pathways in public service through experiential learning opportunities. Interns will participate in weekly professional development workshops, mentoring opportunities, and conclude the program with a final presentation to showcase the insights they've developed over the summer. JOB SUMMARY In partnership with the Office of the State Treasurer and Receiver General ("Treasury"), the Massachusetts State Lottery Commission ("MSLC") is seeking an intern to join its Credit & Collections team within the Finance department. This position will provide the successful candidate with an excellent opportunity to gain valuable, real-world skills relevant to the operations of a state-run organization with exposure to Accounting, Finance, and professional development opportunities. Applicants with a demonstrated interest in promoting DEI&B in the financial services industry and students who can bring a unique and authentic perspective to the MSLC are especially encouraged to apply. ESSENTIAL FUNCTIONS * Provide support to the finance, credit & collections and operations teams. This includes accurate accounting of weekly agent invoices and corresponding through mail and electronically with agent requests. In addition, this role oversees collection efforts of any outstanding receivables owed to the lottery ensuring all efforts are undertaken to collect funds owed. * Coordinate with licensing and accounting units for the establishment, termination, and changes in agent license status. * Provide support to the claims department when necessary. This includes the opening and logging of daily mail, paying mail-in claims and organizing department files. * Ensure all relevant inquiries are managed professionally and procedures are followed to help promote reliability. This includes collaboratively compiling and maintaining detailed tracking for shared use by department members. * Fulfill additional tasks as required. SCHEDULE This is a full-time paid internship from June 1, 2026 - August 28, 2026. Program dates can be flexible based on the selected candidate's school schedule. This internship is hybrid eligible. The hybrid schedule requires a minimum of 2 days/week in the Dorchester office. One of those days must be either a Monday or a Friday. Additional in-person days may be required for training, meetings or team projects. WHO WE ARE The mission of The Lottery is to: * Secure the integrity of our games; * Protect the well-being of our customers; * Maximize revenues returned to the Commonwealth for the benefit of our cities and towns. Since selling its first ticket in 1972, the Mass Lottery has generated over $161 billion in revenues, awarded over $114 billion in prizes, returned over $34 billion in net profit to the Commonwealth for unrestricted local aid provided to cities and towns, and paid over $9.2 billion in commissions and bonuses to its statewide network of retailers. More information can be found on our website at ***************************** APPLICATION DEADLINE IS FEBRUARY 28, 2026. INTERVIEWS WILL BE SCHEDULED IN MARCH. PREFERRED QUALIFICATIONS * Current student of an undergraduate program in Business Administration, Finance, or a related field. * Strong interest in financial analysis related projects. * Must be proficient with MS Office (Excel, Word, PowerPoint). * Strong organizational skills and an ability to multitask are required to meet deadline driven projects in a fast-paced environment. * Interpersonal skills are required as the incumbent will interact with various company personnel, at all levels, as well as external partners. * Ability to work independently and as part of a team. * Strong attention to detail. * As the incumbent is exposed to confidential financial results, the applicant should have a high degree of integrity and professionalism. Please note that the Lottery will not consider family members of current employees as eligible for employment. Family members shall include an employee's spouse, brother, sister, children, stepchildren, parents, stepparents, sister/brother-in law, or an individual residing in an employee's household. The Massachusetts State Lottery Commission is an Equal Opportunity Employer and does not discriminate on the basis of race, religion, color, sex, gender identity or expression, sexual orientation, age, disability, national origin, veteran status, or any other basis covered by appropriate law.