Credit analyst jobs in Spokane, WA - 211 jobs

Take a leap and join our team! At Gesa, we believe in the power of our people. Coming from all walks of life, our team members' individual stories and unique experiences are our most valuable asset. But it's how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together. Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority. Get to know us: About - Gesa Credit Union Role Summary: The Sr. Commercial Loan Credit Analyst is responsible for analyzing commercial credit requests and assisting with credit approval recommendations based on analysis and review. The analyst is involved with spreading financial statements, tax returns and the calculation of cash flows and important financial ratios. The analyst will assist in the completion of loan committee packages and helping the loan officers obtain necessary documentation and provide due diligence to bring the loan request to the closing phase. What You Will Be Doing: Spread and analyze personal and business financial information as well as entity ownership structures to understand creditworthiness of proposed loan. Recommend loan structures and terms to loan officers. Prepare Credit Approval Document, with ability to complete 100% of the document including financial spreadsheets, cash flow analysis, global cash flow, and RMA industry analysis. Underwrite renewals, modifications, and extensions of existing credits. Ensure that all credit files include proper documentation including current financial statements, agency reports, etc. Prepare letter requests for update financial statements and tax returns from borrowers/guarantors and maintain tickler system. Assist Loan Officers in preparing letters of interest and loan commitment letters. Assist Loan Officers with portfolio monitoring activities including annual loan reviews and problem loan reports. Supervise and assist other members of the credit analyst team in the absence of the Commercial Credit Analyst Manger. Accurately process daily commercial credit transactions including but not limited to: (a) answering incoming phone calls, (b) performing the initial credit analysis to determine if member's credit requests satisfy policies and procedure guidelines, and (c) preparing and processing all documentation for those credit transactions. Assist Commercial Loan Processors in ordering appraisal, environmental reports, and appraisal logs. Provide support to credit union members and staff in explaining commercial credit policies and procedures. Must understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities. Attend credit union training sessions, conferences, or seminars as approved by supervisor. Maintain awareness of policies and regulations related to duties and responsibilities. Maintain a professional work environment and work under restricted time constraints. Maintain awareness of state and federal laws, regulations, and Gesa's member business lending policies and procedures. Demonstrate support of corporate values, mission, and vision. Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations. Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge. Manage areas of responsibility, perform duties and control risk in a safe and sound manner. Display mutual respect, trust and dignity, acting in the best interest of the Credit Union. Lead by example by always displaying solid ethics and integrity. About You: To perform financial statement and tax return analysis on various sized entities, including RMA industry research. To perform financial trend analysis and risk rating analysis. To provide knowledgeable, professional, friendly service to all members. To maintain up-to-date and comprehensive knowledge of all credit union products, services, policies and procedures. To participate in and support a team environment. To display respect for diversity. Treat people with respect, keep commitments, and maintain a high level of integrity. To effectively communicate and receive ideas and information. To possess and display excellent customer service attributes. To communicate with supervisor regarding matters of account or lending concern. To maintain a positive and professional image through effective verbal and written communication. Ability to work independently and as part of a team. Qualifications What You Will Need: Four (4) year college degree or completion of a specialized course of study at a business or trade school preferred, but not required; or equivalent experience. Five (5) or more years of similar or related commercial credit analysis experience preferred. Must be able to work under pressure and manage workflow to provide a high level of member service. Proficiency with standard office equipment, MS Office and Outlook software and commercial lending platforms. Some travel may be required to fulfill duties, career development, and/or responsibilities. Our Team Member Value Proposition: In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer: Competitive Pay Medical, Dental, Vision, and Life Insurance 20 days/year of Paid Time Off - Plus 10 Paid Holidays! 401(k) Match Incentive Program Tuition Assistance and Student Loan Repayment Commuter Benefits Paid Time Off to Volunteer in the Community Product discounts Engaging Work Environment Rewards and Recognition Programs Full Salary Range: $83,450.81-$139,084.69 *While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!" Get wise to what's possible with a career at Gesa. Join us! We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at ************** or *************** to request an accommodation. Gesa Credit Union reserves the right to revise or change the as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment. Selected candidate(s) must be able to pass a pre-employment credit/background check. Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran. Equal Employment Opportunity (gesa.com)

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. Experience as a loan underwriter in commercial real estate lending is highly desirable. Familiarity with regional markets and municipal regulations. Advanced degree in a related field. Experience with proprietary credit risk management tools.

Credit Officer - Construction Loans (Residential) Kirkland, WA A rapidly growing private real estate lender is hiring a Credit Officer to join their team. With $3B in loans funded, they continue to expand their footprint in residential lending. In this role, you'll work closely with residential builders and developers to evaluate loan applications, assess borrower qualifications, and ensure alignment with company and investor guidelines. You'll collaborate with a credit team of five. The ideal candidate brings deep experience in credit analysis, risk assessment, and real estate development. You'll be responsible for structuring and underwriting complex construction and bridge loans-making sound credit decisions that support the firm's growth while managing risk effectively. Credit Officer Responsibilities: Deal Vetting: Underwrite bridge and construction loans end-to-end, confirm inputs, and keep the file buttoned-up for audit. Borrower & Project Diagnostics: Dig into financials, credit profile, budgets, comps, and assumptions to gauge ability to execute and repay. Exposure Mapping & Mitigation: Pinpoint market, build, timeline, and exit risks; shape terms (reserves, covenants, collateral) to offset them. Committee Briefings: Produce tight decision memos and risk snapshots; present and shepherd packages through leadership/credit review. Controls & Requirements: Keep every deal aligned with internal credit frameworks, investor parameters, and applicable lending rules. Partner Interface: Serve as the go-to between loan officers, borrowers, brokers, and internal teams to keep diligence unblocked. C-Suite Initiatives: Support the Chief Credit Officer on ad-hoc analyses, portfolio looks, and priority special assignments. Credit Officer Qualifications: 2+ years of mortgage/banking experience and/or related industry experience in construction, real estate and/or private equity. Bachelor's degree in Finance, Real Estate, Business, or related field Solid understanding of income property analysis and loan structuring. Proficiency in Excel and familiarity with loan origination software. Ability to work independently and thrive in a collaborative, fast-paced environment. Company Benefits & Culture: Annual bonuses Employee home loan program 401k with a 3% match Compensation: $95k-$115k + bonus

About Baker Boyer: Baker Boyer is the oldest independently owned community bank in the Pacific Northwest. It serves the Walla Walla, Kennewick, and Yakima communities with seven branches, providing wealth management as well as personal and business banking services. What We Offer: Salary: Commercial Credit Specialist - $62,487 - $85,921 a year Great Benefits! Medical, Dental, Vision plans with additional: Medical, Dental, Vision plans with additional: AD&D & Life Insurance Long Term Disability 401(k) - 100% safe harbor match up to 6%, plus an additional profit-sharing contribution, resulting in employer contributions of up to 12% of annual salary. Paid Leave- 10 days* of Vacation time - The annual Vacation accrual increases by a day each year for the first 10 years, and an additional half day each year for the next 10 years, reaching the maximum Vacation accrual of 25 days at year 20. 7 days* of Sick, Safe & More (SSMORE) leave- SSMORE accrues at a rate of 1.2 hours for every 40 hours worked. SSMORE is intended to meet sick and safe leave needs, but it can also be used for vacation or other personal leave. 3 Revive & Renew (R&R) days - We understand the importance of unwinding and recharging, so these R&R days are loaded on the first of each year (prorated for new hires based on the quarter in which they're hired). 11 Paid Federal Holidays annually* *Number of paid holidays may be fewer than 11 on years when there are Federal Holidays that are observed on Saturdays. Life Assistance Plan Free access to financial counselors Employee Wellness Program 8 hours of paid volunteer time annually About This Role: The Commercial Credit Specialist (Specialist) partners with Business Advisor(s) by assisting in obtaining relevant credit and financial data used in evaluating the credit worthiness of a client, analysis of financial information, and credit management decisions for business banking loan types including commercial, dealer, and agricultural borrowers. The Specialist produces comprehensive and objective credit analysis of borrowers through the review, spreading and trend comparison of financial reports and assists the Business Advisor in making an informed credit decision. The Specialist must be able to identify potential risks of the credit using acceptable trend analysis generated by various tools, spreadsheets, and Financial Analyzer. The Specialist must clearly and concisely communicate such analysis to the Business Advisor and bank management in the form of loan write-ups and other such reports and determine the appropriate mitigation of such risks. The Specialist will also partner with the Business Advisor in the management of the loan portfolio by making decisions to recognize and report problem credits, reviewing past due loan reports and providing a management plan to remedy them. The Specialist must also be able to act on the behalf of their Business Advisor partner, by fulfilling the necessary duties in their absence. This includes acting independently to make decisions regarding the management of the portfolio to ensure that the portfolio continues to provide a revenue stream. Key Responsibilities: Spreads and analyzes monthly, quarterly, and annual financial information, prepares spreadsheets, calculates ratios, prepares budgets and projections of borrowers to determine if they have the capacity to repay debt as agreed. Analyzes borrowers' industry, business practices, and management capability as well as financial condition, performance and projections. Prepares well-written loan requests for the Business Advisor and lending management summarizing borrower's loan request, officer recommendations, an analysis of the proposed collateral, an analysis of financial trends, and provide a recommendation that includes a structure that matches a borrower's ability to repay their loans. Works with the Business Advisor to gather detailed data on borrower, history, management experience, industry, and other necessary facts pertinent to preparing a complete and high-quality loan report. May assist in presenting loan report to underwriting and approving managers. Reports, tracks and maintains financial monitoring and covenant system for Business Advisors using InfoAccess covenant tracking system. Works with clients and Business Advisors to collect financial reports and data. In conjunction with the Business Advisor(s), the Analyst helps identify problem credits, and assist in the decision to make a recommendation, so that these credits may be placed on the bank's problem asset list and a solid management plan may be initiated. Through the periodic analysis of financial information, the Analyst promptly informs the Business Advisor of any unusual events or trends taking place within the credit. Assists and provides back-up support to Business Banking Advisors with respect to managing business banking clients. Partners with Business Advisors to achieve the credit needs of the clients. Attends training sessions and schools for job development and enhancement. Reads current publications and maintains contact with a variety of sources of information in the banking industry to keep informed about business, economics, market conditions, industry trends, etc.; maintains intimate knowledge of the Bank's lending area including the surrounding economy and real estate values. Promotes and maintains a professional bank image and acts as a role model for all bank employees. Assists in the training of new personnel. Demonstrates professionalism and discretion regarding the sensitive and confidential nature of client finances for loans. Skills and Qualifications: Ability to understand, spread, and analyze business and personal tax returns, financial statements, and projections. Ability to use sound judgement to make a credit decision. Knowledge of many different types of business accounting. Ability to prepare comprehensive, well-written loan write-ups and other analytical reports. Strong computer literacy, including Microsoft Office. Demonstrated ability to efficiently learn new programs and to proficiently use and interpret data provided by software tools, including spreading software. Seeks out and participates in ongoing education to maintain knowledge of regulations, industry trends, and economics. Ability to quickly learn and work with bank regulations, products, processes & procedures. Will work closely with policy manuals. Ability to quickly learn and work with loan documentation for business and personal loans. Education and Experience Requirements: Minimum 2 years' experience as a credit analyst in the industry. Graduation from a four-year college or university in finance, business or related field preferred. Equivalent combination of education and experience to perform the job functions is acceptable. Thorough understanding of GAAP accounting (cash and accrual) and tax accounting for various types of industries including commercial, wineries, agriculture, and dealers. Knowledge and ability to work with Jack Henry and CreditQuest desired. MBA and/or CPA highly beneficial. Physical Demands/Conditions Requirements: The job tasks and physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made as appropriate to enable individuals with qualified disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit and/or stand, write, type, speak, and listen. The employee is occasionally required to stand, walk, reach, stoop, or crouch. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus. Ability to sit at desk and work on computer. Occasional travel for business or educational purposes. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Baker Boyer believes that each employee makes a significant contribution to our success. That contribution should not be limited by the assigned responsibilities. This position description is designed to outline primary duties, qualifications and job scope, but not limit our employees nor the organization to adjust the work identified. It is our expectation that each employee will offer his/her services wherever and whenever necessary to ensure the success of the company. Baker Boyer 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, citizenship, disability or protected veteran status.

As a team member of commercial lending you will work directly with commercial lenders and clients to identify their banking needs and financial goals in order to deliver tailored solutions for their businesses, as well as their personal banking and wealth management needs. You will work within a dynamic team environment with Business Bankers and the Business Banking Department in evaluating, underwriting, monitoring and maintaining the overall credit quality of new and existing loan facilities. What youll do as a Credit Analyst: Underwrite high-quality credit narratives in support of new and existing loans, which includes analyzing multi-year trends and ratios from financial information, understanding cash flow, performing collateral analysis, running credit reports and analyzing KYC information. Work closely with Business Bankers, Commercial Loan Operations, Outside Counsel and the client to document and close loans thoroughly and swiftly. Research industry trends and risks. Create, maintain and monitor all loan and credit files at the highest quality, which entails monitoring existing credit facilities for financial and reporting covenant compliance, detecting early warning signs that could lead to a potential default, monitoring underperforming loans and evaluating proper loan risk ratings. Assist the Business Banker on all levels of the business banking relationship to ensure the client receives exceptional service. Identify cross-sell opportunities. Lead special projects as needed. Qualifications You could be a great fit if you have: A bachelors degree, with a strong credit background and a minimum of three to five years of commercial banking and lending experience, with an industry specialization preferred (law firms, accounting firms, private equity, entertainment and/or non-profits) An established network of business clients, prospects, and referral sources Excellent credit skills Outstanding communication skills The desire to provide extraordinary internal and external service The ability to think critically and independently as a proactive problem solver An orientation toward being a team player, providing extraordinary service Able to review and analyze data reports and manuals; must be computer proficient Able to communicate effectively via telephone and in person Definitions and Acronyms C&I: lines of credit based on cash flow of company CRE: loan secured by commercial real estate Owner occupied: a real estate loan for a business owner that occupies said real estate. This is not counted as CRE to feds. Clarify if lender/bank counts it toward C&I or CRE numbers. Investor: commercial real estate to be purchased by a developer to sell or rent Credit concentrations: the amount of portfolio in each specific area. Bestcashcow.com shows multi-family, construction, investor, farm, mortgage, credit card, consumer/auto, SBA percentages of portfolio. MF: multi-family complex loans, e.g., apartments Construction: financing of building out a building. TM: treasury management. This is a person who facilitates gathering deposits through specialty products. SBA: Small business administration secured loans. Designed to help disadvantaged and underserved communities thrive. BoB, Portfolio: BoB is book of business, also known as a portfolio. This the sum of all borrowers and depositors at any given time. Example, 50 clients and a $40mm BoB, with $80mm in deposits. Volume: What is the total amount of loans underwritten and approved in a calendar year? Next Steps: If this sounds like something you would like to learn more about, please reach out to me, Kim Post, for a confidential conversation. I can be reached at ************** or *******************. Apply Now!

Energy Risk Control Department is looking for a Consulting Risk Control and Credit Analyst or below, depending on experience, to join our team. This role is responsible for implementing, reviewing, and improving risk control and credit management policies and processes for consistency with the organization's governance structure. They will also be taking a leadership role in managing departmental projects. This is an excellent opportunity to play an integral role to help better serve the environment, customers and the communities in which they live. an environment where all employees are valued, respected and provided with the opportunity to achieve maximum performance. comprehensive pay package that includes competitive compensation, annual goals-based incentive bonuses, comprehensive cafeteria-style benefits, 401(K), a company paid retirement pension plan and an employee assistance and wellness program. Gain the energy to do great things PRIMARY RESPONSIBILITIES: • Reviews, validates and maintains valuation models used to forecast generation asset output, load needs, option valuation, and credit exposure. Assets include hydroelectric plants, thermal plants, wind units, gas storage, and derivative commodity contracts. • Works with front office, external vendors, and IT support to develop improved reporting across the department. Takes a leadership role in resolving anomalies associated with the energy risk and trading platforms. • Works with Energy Trading, Power Costs, Energy and Derivative Accounting, and other groups to develop new reports aligned with the Risk Policy and Integrated Strategic Plan. • Analyzes available data related to existing risk performance metrics. Recommends new performance metrics and works with other members of mid-office, back-office, front-office, IT, and other stakeholder groups to move from design board to production. Assists with incorporating an enterprise-wide view of risks. • Reviews and develops recommendations to ensure commodity risk governance is implemented successfully within the organization. Works with legal, front-office, mid-office, and senior management to develop recommendations that lead to adoption of formal company policies that drive governance decisions. • Takes a leadership role in managing departmental projects such as integration of new energy risk trading platforms, development of policies and procedures in response to new regulatory requirements, validation of valuation models, evaluation of new credit management tools, development of new reporting processes, and validation of price curves. Identifies project scope, determines deliverable requirements, internal and external resource requirements, and expected timeframe in order to achieve intermediate and final milestones.Develops an understanding of PSE's businesses and how daily operational tasks conducted in Risk Control and Credit contribute to the businesses. Functions as a communication bridge between front and back office. • Provides ad hoc reporting as required. • Performs other duties as assigned. Qualifications MINIMUM QUALIFICATIONS: • Bachelor's degree in mathematics, science, finance, or technically/commercially related field, or equivalent combination of education and relevant work experience. • 7 years relevant experience for the consulting level (such as risk control, analytics, reporting, modelling, and credit experience). • Strong knowledge and proficiency in applying portfolio risk measures and probability distribution concepts. • Strong database, spreadsheet and reporting skills including the ability to write queries and macros, build pivot tables and develop OLAP reports. • Self-motivated and high attention to detail with a bias for delivering a flawless product. • Demonstrated problem solving, planning, analytical and/or consulting skills. • Strong oral and written communication skills and ability to use MS PowerPoint effectively. • Prior project management experience. DESIRED QUALIFICATIONS: • 7 years of relevant experience (such as risk control governance, portfolio analytics, or credit management experience). • Strong database, spreadsheet, and reporting skills. • Proficiency in applying quantitative methods to solve problems. • Strong written, oral, and presentation skills (proficient with MS Powerpoint). • Project management experience. • Strong understanding of commodity trading instruments. • Master's degree in engineering, math, science or finance. • Stong understanding of, energy markets, portfolio risk management concepts and commodity trading insturments including financial derivatives. • Familiarity with quality management principles. • Detailed knowledge of portfolio risk caculations, including Value at Risk, marginal risk analysis, stochastic modelling concepts, and applied probabiilty distribution methods. • Knowledge of process design, re-engineering, and requirements documentation methodologies. • Proficiency in applying quantitiative methods (regression analysis, time-series analysis, Monte Carlo simulation, linear and non-linear optimization). • Programming proficiency in one or more of the following: Assembly, procedural language (such as C), object-oriented (such as java, C++, C#), LISP, Prolog, data management (SQL, XML). This position will be filled as a Consulting Risk Control and Credit Analyst, Senior Risk Control and Credit Analyst or Risk Control and Credit Analyst depending on the qualifications of the selected candidate. Additional InformationAll your information will be kept confidential according to EEO guidelines. Direct Staffing Inc

A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. In order to be the best, we hire the best! Benefits Offered by CoBank: Careers with a purpose Time-Off Packages, 15 days of vacation, 10 paid sick days and 11 paid holidays Competitive Compensation & Incentive Hybrid work model: flexible arrangements for most positions Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance Robust associate training and development with CoBank University Tuition reimbursement for higher education up to $10k per year Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution Associate Resource Groups: creating a culture of respect and inclusion Recognize a fellow associate through our GEM awards Job Description Prepares analysis and conducts credit investigations of routine and more complex credits in accordance with prescribed methods and procedures. Prepares and presents credit reports to appropriate senior staff or committees. Cosponsors or approves credits within prescribed credit limits. Assists with account servicing, credit administration, and documentation. Provides support to credit manager and appropriate staff with research and statistical analysis. Essential Functions Develops credit information and structures financial proposals for use by appropriate senior staff and committees in making decisions about credit arrangements for new, renewal, or extension loans. Cosponsors or approves credit requests within prescribed limits. Reviews all pertinent credit and financial information and determines the need for more thorough investigation or additional information. Analyzes information statements and related material and prepares summaries, presents facts, and offers opinions concerning credit‑worthiness. Understands and follows bank guidelines, policies, and procedures for the preparation and presentation of credit information. Assists with credit administration, account servicing, development, packaging, closing, documentation, and monitoring. Maintains control over current accounts, monitoring for payment progress, developing problems, trends, and compliance with covenants. Provides relevant and timely information to internal stakeholders including account officers, relationship managers, and credit staff. Assists credit manager in the preparation of internal research and analysis, provides statistical reports, and verifies information. Prepares and delivers presentations on topics as assigned. Develops and utilizes computerized spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations. May authorize loan advances and loan re-pricing with money desk staff. Maintains expertise in assigned industries or market sectors. Keeps abreast of industry trends and competitive environment. Education Bachelor's Degree required Work Experience 3 years of credit experience in banking industry required Physical Exertion Details Sedentary Exerting up to 10 pounds of force occasionally (Occasionally: activity or condition exists up to 1/3 of the time) and/or a negligible amount of force frequently (Frequently: activity or condition exists from 1/3 to 2/3 of the time) to lift, carry, push, pull, or otherwise move objects, including the human body. Sedentary work involves sitting most of the time, but may involve walking or standing for brief periods of time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met. Travel Requirement Details Occasional Travel occurs infrequently (typically, once a month or less). About CoBank The typical base pay range for this role is between $80,300 - $91,840. Compensation may vary based on individual job-related knowledge, skills, expertise, and experience. This position is eligible for a discretionary annual incentive program driven by organization and individual performance. The listed salary, other compensation and benefits information is accurate as of the date of this posting. This job will be posted for a minimum of five (5) business days or until the position is filled. CoBank reserves the right to adjust compensation for all positions and to modify or discontinue benefits programs at any time in its sole discretion, subject to applicable law. CoBank is a cooperative bank serving vital industries across rural America. The bank provides loans, leases, export financing and other financial services to agribusinesses and rural power, water and communications providers in all 50 states. The bank also provides wholesale loans and other financial services to affiliated Farm Credit associations serving more than 76,000 farmers, ranchers and other rural borrowers in 23 states around the country. CoBank is a member of the Farm Credit System, a nationwide network of banks and retail lending associations chartered to support the borrowing needs of U.S. agriculture, rural infrastructure and rural communities. Headquartered outside Denver, Colorado, CoBank serves customers from regional banking centers across the U.S. and also maintains an international representative office in Singapore. REASONABLE ACCOMMODATION We are committed to ensuring that our online application process provides an equal employment opportunity to all applicants, including qualified individuals with disabilities. If you are an applicant with a disability, or are assisting an applicant with a disability, and require accessibility assistance or would like to request a reasonable accommodation for any aspect of the application process, including completing an application, interviewing, or otherwise participating in the employee selection process, please submit a request by emailing *********************. Include your contact information and specific details about your requested accommodation. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time. CoBank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, or status as a protected veteran.

The J.R. Simplot Company is a diverse, privately held global food and agriculture company headquartered in Boise, Idaho. We are a true farm-to-table company with an integrated portfolio including food processing and food brands, phosphate mining, fertilizer manufacturing, farming, ranching and cattle production, and other enterprises related to agriculture. **Summary** Under the guidance of the Area Financial Services Manager (AFSM), this position plays a vital role in partnering with both sales teams and location personnel. Working closely with the AFSM and Sr. Regional Credit Analyst (SRCA), the Credit Analyst helps manage customer financial services, accounts receivable, and overall credit risk exposure. In addition, this role provides essential clerical and administrative support to ensure the credit team operates efficiently and effectively. **Key Responsibilities** + Administer and enforce the company's credit policy, ensuring compliance across sales and operations department. + Evaluates and approves credit lines for new and existing customers within established approval limits, adhering to departmental guidelines, procedures, and policies. + Provides recommendations to the SRCA and AFSM for accounts exceeding the approval authority. + Utilize spreadsheets and financial software tools to analyze data and support decision-making. + Assists with internal research and analysis, provides statistical reports, and verifies information. + Complete annual reviews on assigned portfolio to ensure compliance with departmental policies + Responds to queries and questions based on the analysis and interpretation of accounting information. + Perform clerical and administrative tasks, including maintaining records and supporting the credit team's operations. + Evaluates status of selected Accounts Receivable collections, then works with customers to facilitate payments and reconcile any differences or conflicts. **Typical Education** High school diploma or general education degree (GED) **Relevant Experience** + Excellent customer service and communication skills + Proficient in Microsoft Excel and other office suite programs + Analytical skills + Maintain confidentiality of sensitive information **Required Certifications** **Other Information** Handle customer and internal relations diplomatically and firmly when required. Ability to assess problems and situations, exercise independent judgment, and reach logical and sound decisions. Possess strong interpersonal relationship, communication and negotiation skills. Conduct business affairs with uncompromising honesty. **Job Requisition ID** : 24498 **Travel Required** : Less than 10% **Location(s)** : ABW Frontier Office - Pocatello **Country:** United States ****The J.R. Simplot Company is proud to be an Equal Opportunity Employer and will consider all qualified applicants for employment without regard to race, color, religion, national origin, ancestry, age, sex, gender, gender identity, gender expression, genetic information, physical or mental disability, medical condition, sexual orientation, military or veteran status, marital status, or any other protected status. ****

of Credit Analyst will provide loan support to our Lenders in accordance with the will work with internal personnel, customers, both current and prospective, and vendors, such as title companies, insurance companies, and government entities. The responsibilities include providing competent credit analysis for lending activities, conducting credit reviews, annual renewals, and supporting the lenders as needed. The position reports to the Chief Lending Officer. Essential Functions Credit Analysts are given an excellent opportunity to learn the Commercial Lending process (financial analysis, underwriting, policy & procedures) as mentored by Loan Officers. • Assist Lenders in analyzing existing and new customer requests o Order, interpret, and analyze credit reports. o Collect and analyze tax returns and financial statements to assist in the preparation of loan write-ups, identifying customer strengths/weaknesses and questions/concerns to be raised with the client. o Prepare financial forecasts and pro forma statements in consultation with Lenders to assist in the assessment of borrower capacity. o Prepare detailed Credit Memorandums with defined Credit Quality Expectations within Credit policies and procedures for review and approval • Responds to internal and external inquiries regarding the status of loans in process, technical exceptions, loan documents, and other banking-related questions. • Supports Commercial Lenders in the servicing and management of business customers and commercial loan portfolios • May assist Lenders as needed in commercial construction projects by maintaining cost breakdown spreadsheets. Prepare draw requests and gather lien waivers. • Drafts commercial loan setup sheets. • Serve as the liaison between Lenders and Loan Processing, coordinate the request/receipt of business and personal financial statements • Assist with reviewing all 3?? party reports required for loan approval (including appraisals, environmental reports, etc.) Examines documents to ensure accuracy and compliance with existing guidelines, policies, and procedures. •Ensures credit and document files are complete and organized and have no exceptions. •Review loan documents prior to closing (legal descriptions, closing dates, loan documents prepared in-house or by legal counsel, etc.) and close loans with customers in the absence or at the request of the Lender. •Loan pipeline management ensuring key milestones are met and that the file closes in a timely manner •Annual renewals: ensure loans are renewed on a timely basis, assisting with the renewal process and filing comments. •Review portfolio reports to be informed of workflow, maturing loans (early identification of need for loan extensions), covenant compliance, etc. •Proactive communication on loan status to borrowers •Review and apply SBA guidelines for SBA loan application, review, and closing. •Supports Loan Assistants as needed, and acts as their backup: o Maintain files, copies, faxed documents, and records documents. File, scan documents, update information o Orders flood certifications, appraisals, inspections, title insurance, UCC searches, and surveys as needed. o Engages appraisers at the request of Commercial Lenders. o Clears all commercial loan documentation deficiencies and provides ongoing servicing of the loan portfolio o Image loan documents within established timelines. Provide ongoing support to foster customer relations. Ensure ongoing maintenance of loans in the system to meet the bank's and customer's needs •Participate in credit training to remain current on standards and expectations •Maintain knowledge of banking products and services •Provide exceptional customer service while maintaining knowledge of Bank policies and procedures, applicable laws and regulations/compliance requirements including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control Additional Responsibilities •Complete required compliance training annually• Provide support for Committee Meetings as needed •Assist with phone or lobby coverage as requested •Must be willing to complete other duties as assigned •Participate in a minimum of two Heritage Club events annually •Participate in two Highlander Cross Country or Track events annually •Participate in two community events representing TRB (approved by the manager) Skills and Competencies •Bachelor's Degree in Finance, accounting or related field desired • Minimum of two years prior Banking experience and/or a combination of education and experience • Prior experience in loan support or loan processing helpful • Previous clerical/administrative experience in a customer service setting preferred • Have strong mathematical and analytical skills • Able to research and evaluate data to make informed decisions and solve problems • Must have good writing and editing skills • Computer proficiency required - the ability to use the internet, email, and Microsoft Office Word and Excel • Must be bondable • Must be able to conduct oneself in a manner that promotes trust in the individual and our organization. • Must maintain confidentiality at all times due to the nature of information about customers and transactions • Work cooperatively and respectfully with all Bank Team Members • Self-directed - must be able to fulfill the responsibilities of the position with minimal supervision • Must be able to prioritize and organize responsibilities to maximize productive results Physical Demands • Normal office environment • Extended PC viewing, keyboarding with periods of sedentary work • May be required to stoop, kneel, stand, walk, talk, hear, reach with hands and arms • May be required to occasionally lift/move up to 30 pounds The physical demands noted above are representative of those that must be met by an employee to successfully perform the essential function of the position. Reasonable accommodation may be made to enable individuals with disabilities to perform essential functions.

The J.R. Simplot Company is a diverse, privately held global food and agriculture company headquartered in Boise, Idaho. We are a true farm-to-table company with an integrated portfolio including food processing and food brands, phosphate mining, fertilizer manufacturing, farming, ranching and cattle production, and other enterprises related to agriculture. Summary Under the guidance of the Area Financial Services Manager (AFSM), this position plays a vital role in partnering with both sales teams and location personnel. Working closely with the AFSM and Sr. Regional Credit Analyst (SRCA), the Credit Analyst helps manage customer financial services, accounts receivable, and overall credit risk exposure. In addition, this role provides essential clerical and administrative support to ensure the credit team operates efficiently and effectively. Key Responsibilities Administer and enforce the company's credit policy, ensuring compliance across sales and operations department. Evaluates and approves credit lines for new and existing customers within established approval limits, adhering to departmental guidelines, procedures, and policies. Provides recommendations to the SRCA and AFSM for accounts exceeding the approval authority. Utilize spreadsheets and financial software tools to analyze data and support decision-making. Assists with internal research and analysis, provides statistical reports, and verifies information. Complete annual reviews on assigned portfolio to ensure compliance with departmental policies Responds to queries and questions based on the analysis and interpretation of accounting information. Perform clerical and administrative tasks, including maintaining records and supporting the credit team's operations. Evaluates status of selected Accounts Receivable collections, then works with customers to facilitate payments and reconcile any differences or conflicts. Typical Education High school diploma or general education degree (GED) Relevant Experience Excellent customer service and communication skills Proficient in Microsoft Excel and other office suite programs Analytical skills Maintain confidentiality of sensitive information Required Certifications Other Information Handle customer and internal relations diplomatically and firmly when required. Ability to assess problems and situations, exercise independent judgment, and reach logical and sound decisions. Possess strong interpersonal relationship, communication and negotiation skills. Conduct business affairs with uncompromising honesty. Job Requisition ID: 24498 Travel Required: Less than 10% Location(s): ABW Frontier Office - Pocatello Country: United States **The J.R. Simplot Company is proud to be an Equal Opportunity Employer and will consider all qualified applicants for employment without regard to race, color, religion, national origin, ancestry, age, sex, gender, gender identity, gender expression, genetic information, physical or mental disability, medical condition, sexual orientation, military or veteran status, marital status, or any other protected status. **

Location: Seattle, WA. Full-Time In-Office. Aqua Star (USA), Corp. is a Seattle based privately-owned, American seafood company founded in 1990. We are a leading global frozen seafood sales, marketing, and distribution enterprise. We serve food service customers, such as restaurant chains and seafood distributors, as well as retail customers: food retailers, retail wholesalers, & club warehouses. We are looking to fill the role of Credit Manager! This position will work out of our corporate headquarters in Seattle, WA. Reporting to the Corporate Controller, the main responsibilities for this role will include managing the credit team, overseeing accounts receivables, credit collections, and cash applications. Responsibilities: Manage, mentor, and coach a Credit Team of 3 Maintain separate Canadian and US accounts receivable ledgers Manage monthly AR reconciliation Report weekly cash flow estimates Distribute weekly AR Aging reports, ensure collections are prompt, and resolve escalated collection issues Design and implement processes to improve cash flow Manage a small portfolio of customer accounts Oversee investigation of credit risk and set credit limits on new and existing customers Review credit limits for existing customers annually with the goal to review twice a year Approve escalated sales orders on credit hold promptly Keep up to date with credit agency reports Report monthly and manage the resolution of customer short pays/deductions Report and manage the daily resolution of unapplied cash Manage Rebate/Accrual account activity and monthly/quarterly/yearly reporting. Complete Quarterly Accrual/Expense Meetings Improve current processes to utilize technology Team up with IT to complete current improvement projects Perform special projects as requested Experience & Skills 5+ years credit and collections experience 3 years supervisory experience Extensive credit knowledge to assist in decision-making responsibilities B2B credit experience Proven supervisory skills Strong interpersonal, organizational, and verbal/written communication skills Ability to train and coach personnel on all company credit policies and procedures Education Bachelor's degree in accounting or comparable work experience We offer a range of benefits and perks, including: Affordable medical, dental, and vision coverages Healthcare and Dependent Care Flexible Spending Account (FSA) options Health Savings Account (HSA) option with $500 - $750 employer contribution Employer-paid Life and AD&D Insurance equal to 1 times salary up to $200,000 Private Long Term Care Insurance option Supplemental insurance options through Lincoln 401k with 4% company match and immediate vesting Employer-paid Short-Term Disability and Long-Term Disability Employee Assistance Program Parking/Transportation Reimbursement up to $325/month Fitness Reimbursement up to $100/month Annual Profit Sharing For more info, visit **************** *Candidates will be required to undergo a standard criminal background check and preemployment drug screen upon hire.

The Consumer Loan Officer Trainee (CLOT) is a non-exempt employee that performs customer service and collection duties, investigates, and develops credit applications, works to obtain discretionary credit approval for the origination of direct consumer loans and the purchase of retail installment contracts, while providing other support as needed for branch operations. The Consumer Loan Officer Trainee is a key learning role as part of our Credit Officer development program. Essential Functions May Include: Provide customer service primarily by telephone, in-person, and electronically by offering appropriate solutions, resolution for issues, and follow up. Collections of certain past due loans and contracts, including making payment arrangements. Marketing for loans by inviting customers to apply for loans and offering optional ancillary products, if properly licensed, when they may provide benefit to the customer. Obtaining and inputting, primarily by telephone, direct consumer loan applications, including inputting complete credit applications, identifying the real loan purpose and potential collateral to secure the loan. Investigate and develop direct consumer loan and contract credit applications, including interviewing applicants to obtain additional information, verification of employment and other credit history. Analyzing, examining, and evaluating credit applications. For training purposes, the Consumer Loan Officer Trainee will make credit recommendations to a Consumer Loan Officer whether to approve, decline or counteroffer both direct loan and contract credit applications. Consumer Loan Officer Trainee is expected to contribute as needed to every project at Reliable Credit and to work as necessary to meet our customers' needs and organizations success. In addition to the job specific requirements above, the following requirements are expected of all members of the team: Consistently maintain a professional demeanor and communicate in a respectful and collaborative manner. Follow direction, is engaged and productive and is flexible and adaptable to changing conditions and expectations. Collaborate with and support other members of the company, customers, and dealers. Maintain punctual, regular, and reliable attendance. Demonstrate the Company's core values (Vision Statement) and complies with all Company policies and procedures. Complete all assigned training requirements. Scope and Accountability: Incumbent's decisions and actions moderately impact the company's revenue and operations. Decisions and actions may have a moderate impact on reputation, and/or employee and customer satisfaction. Incumbent makes limited independent decisions, and actions are guided by clearly stated standards, parameters, and processes. Incumbent performs work under a normal level of supervision. Work under established guidelines and controls including Employee Handbook, Operations Manual, and internal guidelines and work procedures. Qualifications Knowledge, Skills, and Abilities: College degree preferred. May consider 2+ years of industry related experience, and/or a combination of education, related experience, and/or training. Commitment to continuous learning with the ability to develop process, people, leadership, and management skills as a participant in our development program (if, and/or when program is available). Ability and desire to interact with a diverse customer base. Ability and desire to learn and accurately apply applicable laws and regulations required within the finance/credit/banking industry. Ability and desire to learn, effective credit underwriting, including approval, denial, and counteroffer of originating direct consumer loans and purchasing retail installment contracts from primarily automobiles dealers. Ability and desire to learn, effective negotiation and marketing skills Critical and inquisitive thinking, analytical skills, and attention to detail to draw out information and aide decision making. Solid understanding of the economics and risk elements related to financing. Ability to analyze and interpret financial data. Effective decision-making and negotiating skills. Ability and desire to learn and accurately apply applicable laws and regulations Ability and desire to learn and navigate multiple tasks, systems, and situations while working under pressure to meet deadlines. and to read and interpret manuals and guidelines. Organizational and time management skills. Professional verbal, written and interpersonal communication skills. Teamwork/Rapport building skills. Basic computer skills, including a general proficiency using Microsoft Office programs. Incumbents are required to obtain any necessary insurance licensing prior to consummating loans with optional ancillary products. Willingness to be part of a development program with initial focus on our Credit Officer position. The Credit Officer position requires (1) sound loan and contract credit approval judgment, (2) being comfortable and effective in negotiating the purchase price of a retail installment contract from primarily automobile dealers, and (3) being comfortable and effective with inside and outside marketing to primarily automobile dealers. Bilingual (Spanish/English) is a plus. Work Environment and Physical Demands: The work environment and physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; and readily and effectively communicate. The employee must occasionally lift and/or move up to 15 pounds. Vision abilities required by this job include ability to effectively see within an office environment, which may include long term computer exposure, and to adjust focus accordingly. The duties of the job are primarily performed in an office environment. There is some exposure to noise in the work environment, which is usually mild to moderate. The (insert job title) may at times require a limited amount of time doing outside sales primarily at automobile dealerships. Disclaimer Language The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Employees may be required to perform duties outside of their normal responsibilities from time-to-time, as needed. Reliable Credit Association, Inc. is an equal opportunity employer that strives to create a diverse workforce and an inclusive culture.

Full-time Description The ARM supports Relationship Managers (RMs) in managing client relationships and credit workflow. The ARM conducts credit analyses including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers and portfolios. The ARM provides timely, accurate financial analysis and makes recommendations regarding the extension of credit (via credit memos); develops key discussion points and questions to assist in analyzing loan opportunities; works with RMs, Loan Coordinator and customers to close loans and/or assist in monitoring and administering the loan portfolio in accordance with loan approval as necessary / requested.. Requirements Essential Duties & Responsibilities Perform assigned duties in accordance with the Bank's Mission, Vision and Core Values; and provide the Bank's customers with timely, responsive and exceptional service in accordance with the Bank's customer service standards. Adhere to defined Service Level Agreements, both internal and external. Investigate, interpret and analyze credit reports. Spread and analyze financial statements and information to evaluate existing and projected company cash flow. Work with Loan Coordinator to order all necessary reports (UCC lien searches, title, insurance, appraisals / evaluations, environmental, flood, etc.) Review all necessary reports, including title, independent appraisal and collateral exam. Develop list of key information necessary to support the loan approval process. Prepare detailed Credit Memorandums with defined Credit Quality Expectations and within Credit policies and procedures for review and approval. Make underwriting recommendations to the Relationship Manager, Market President, and Credit Administration, as appropriate. Assist in monitoring loans through timely collection of financial information / tickler management. Assist in the creation and maintenance of customer files within defined bank standards. Review financial information for loan compliance to maximize credit quality and minimize risk and potential loss. Assist RM and Loan Coordinator with maintaining current financial information consistent with loan approval and ensure maintenance of the credit file. Serve as an important part of the Relationship Management team. As requested by RM, attend customer meetings and take notes to assist in underwriting and evaluating risk. As requested by RM, work with loan applicants to ensure loan packages are complete. Participate in Credit Trainings to remain current on standards and expectations. As requested by RM, assist in the preparation of Preflights and LOI's. Review portfolio reports to be informed of workflow, maturing loans (early identification of need for loan extensions), covenant compliance, etc. Analyze/recommend line draws (via Borrowing Base Certificates, Construction Draws, etc.) as requested by RM. Support collection of past due accounts as requested by RM. Assist with customer calls and marketing efforts as requested. Maintain knowledge of and compliance with banking regulations. Be knowledgeable of and able to promote all bank products and services. Perform other duties as assigned. Required Qualifications: Bachelor's degree in Business, Finance, or related area; or equivalent work experience. 1 year of experience in credit analysis and/or lending activities. Preferred Qualifications: Developed credit analysis and analytical skills. Thorough understanding of business cash flow and differing legal business structures. Good knowledge of economics, accounting, and finance. Basic knowledge of risk analysis. Thorough knowledge of lending policies and procedures preferred. Proficient computer skills with collaboration and productivity tools including Windows-based operating systems and office suites (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis; internet; email; and bank software. Experience with financial analysis software such as Moodys and Bukers. Effective oral and written communication and time management skills. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and ability to adjust focus. While performing the duties of this job, the employee is regularly required to sit; use hands and talk or hear. The employee is occasionally required to walk; reach with hands and arms and stoop, kneel, crouch, or crawl.

AgWest Farm Credit is a member-owned financial cooperative that provides financing and related services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, rural homeowners and crop insurance customers in a seven-state territory in the Western United States. AgWest is part of the 100+ year-old Farm Credit System - the leading provider of credit to American agriculture. AgWest champions the growth and advancement of agriculture, the value of rural communities, and the vital contribution our customers make to the economy and society. We serve customers in 59 locations throughout the West. We are in search of a Credit Analyst I or Credit Analyst II to join our Washington Lending and Insurance department in Sunnyside, Washington. This full-time position reports to the VP, Credit and assists in providing sound, constructive credit and related services, typically supporting a portfolio of simple to moderately complex credit relationships. After an initial in-office training period, this position is eligible for workplace flexibility and a one-time home office stipend. Employees are expected to continue working from their office location a minimum of 50% or 60% of the time depending on location. Compensation Information The base salary range for this position in Sunnyside, Washington is: Level I: Typical starting range: $60,000 - $80,300 Full base salary range: $60,000 - $90,400 Annual performance-based incentive target is 10% of base. Level II: Typical starting range: $66,200 - $88,700 Full base salary range: $66,200 - $99,900 Annual performance-based incentive target is 12% of base. Job Requirements Gather financial and business-related information from customers, prospects and other available resources through personal interviews, phone interviews, and other information resources. Analyze basic financial statements, including opinions and notes, tax records, “in house” prepared financial statements and pro forma statements. Prepare credit analysis and make recommendations to appropriate management for review. Comply with documentation expectations, procedures, laws and regulations. Support customer relationships through marketing and servicing financially related products by communicating with customers, their professional representatives and employees at the branch office or customer locations. Effectively participate in the Large Loan process as needed to provide high quality products to be delivered within the agreed time frames and within the risk parameters acceptable to the organization. Complete in-person farm visits, collateral inspections and document observations including but not limited to visually inspecting the condition and valuation of loan collateral. Conduct research of agricultural and related industries and commodities to determine viability, trends and opportunities for the organization to strengthen its position. Establish rapport with and develop/maintain confidence of customers and prospective customers. Represent the organization at public relations events by joining or actively supporting appropriate agricultural organizations, civic groups or commodity groups and actively participating in sponsored events and programs. Accurately classify and identify appropriate charge-offs reserves, cash income accounting and allowances on assigned loans. Assist in credit investigations on applicants including public record searches, credit bureau reports, employment and income verification and asset and liability verification. Participate in loan closings by ensuring the appropriate documentation is completed and understood by the customer. Ensure effective and accurate credit administration through coordination with relationship managers and others. Participate in assigned industry teams or industry task forces as needed; assist teams with detailed industry studies and the organization of industry specific customer educational events. Effectively work with customers and collaborate with other teams to make referrals and cross-sell products, to meet customer needs. Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls. Other duties as assigned. Minimum Requirements Bachelor's degree in business or ag-related field, or an equivalent combination of education and experience Preferred Requirements Knowledge of loan programs and financially related services Knowledge of agricultural practices Benefits Offered by AgWest Medical, dental, and vision insurance Basic term life and AD&D insurance (fully paid for by the company) Paid days off annually: 15 vacation*, 15 sick, 12 holidays and 3 volunteer 401(k) plan (6% match plus 3% employer contribution) Employee Assistance Program Wellness Program Jeans are welcome at work every day at AgWest! *Vacation accrual rates increase with tenure. Details about insurance and retirement benefits are available at: ************************************************* #LI-Hybrid Job level and starting annual salary will be based on a variety of factors including but not limited to experience, education, certifications/licensure, internal equity, location, business needs and market demands. The listed compensation and benefits information is accurate as of the posting date. AgWest reserves the right to adjust compensation for all positions and modify or discontinue benefits programs at its sole discretion, subject to applicable law. Qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender orientation, national origin, marital status, age, disability, protected veteran status, or any other classification protected by law. When you apply for a position with AgWest Farm Credit, we collect personal identifiers (from your resume and other application information you submit), such as your name, email address, mailing address, telephone number(s) and employment and education related information. This helps us evaluate job applicants for hiring opportunities, and, communicate with them. To comply with federal regulations for equal employment opportunity and affirmative action (EEO/AA), we track our applicants by gender, race/ethnicity, veteran status, disability status, and the position for which they applied. You will be presented with a voluntary self-identification form as part of this application; we wanted you to know why we collect this information and what we do with it. Please be aware that this information is kept separate from your application, and not utilized in the selection process. For more information about the information AgWest Farm Credit collects, please see the AgWest Farm Credit California Privacy Policy.

Angott Search Group is pleased to partner with a leading Montana-based credit union with a strong commitment to community and service excellence in their search for a Senior Credit Officer. We are seeking a highly experienced Senior Credit Officer to lead our credit risk management function. This role will oversee the credit approval process, manage loan portfolios, and ensure adherence to sound credit policies. You will collaborate with leadership to shape credit strategy while maintaining asset quality and supporting business growth. Qualifications: Bachelor's degree in finance, business, or related field (MBA preferred). 10+ years of experience in credit underwriting, credit policy, or risk management. Proven leadership experience in a financial institution, with expertise in commercial and real estate lending. Strong understanding of regulatory requirements and best practices in credit risk management. Excellent analytical, decision-making, and communication skills.

Ultra luxury resort in Montana has opportunity for experienced Credit Manager. The Credit Manager will be responsible for handling guest and group billing, reconciling payments, coordinating with the front office and sales teams, and ensuring timely collection of receivables. This role is critical in supporting the hotel's financial health and guest satisfaction. Qualifications: Associate or Bachelor's degree in Accounting, Finance, or a related field 2-5 years of experience in Accounts Receivable, preferably in the hotel or hospitality industry Familiarity with hotel systems such as Opera, PMS, POS, or accounting platforms Strong understanding of hotel billing processes, including folio management and group billing

Exceed the expectations of our residential mortgage borrowers & business partners through superior service, simple processes, and effective communications. We deliver on this mission by empowering our employees by encouraging and recognizing superior performance and innovative solutions, by promoting teamwork and divisional cooperation. Job Summary: We are seeking a detail-oriented and analytical Capital Markets Mortgage Lock Desk Analyst to join our team. This role supports the mortgage pipeline management process by reviewing loan pricing, implementing lock desk operations, and coordination with internal teams and external investors. The ideal candidate will have a general understanding of capital markets, and interest rate trends, combined with excellent problem-solving skills and the ability to thrive in a fast-paced environment. Key Responsibilities: Pipeline Management: Monitor and manage the mortgage loan pipeline, ensuring accurate pricing, locking, and extensions in accordance with company policies and market conditions. Loan Lock Administration: Process borrower rate locks, extensions, re-locks, and cancellations efficiently and accurately while maintaining compliance with investor guidelines and secondary market standards. Investor Coordination: Collaborate with secondary market investors and internal sales teams to confirm loan eligibility, lock confirmations, and delivery requirements. Data Integrity: Maintain and update lock desk systems, ensuring data accuracy across platforms; troubleshoot discrepancies and resolve issues promptly. Risk Mitigation: Identify and escalate potential risks related to rate locks, and pipeline fallout to senior management. Customer Service: Act as a point of contact for loan officers, processors, and underwriters regarding lock inquiries, policies, and procedures. Qualifications: Education: Bachelor's degree in Finance, Economics, Business, or a related field preferred (or equivalent experience). Experience: 1-3 years of experience in mortgage banking, capital markets, secondary marketing, or lock desk operations. Technical Skills: Proficiency in mortgage loan origination systems and Microsoft Office Suite (Excel expertise required); familiarity with pricing engines and data analysis tools is a plus. Knowledge: Understanding of mortgage products, and general knowledge of interest rate risk, and secondary market operations a plus. Analytical Skills: Ability to interpret loan pricing scenario data, and make data-driven decisions. Communication: Excellent verbal and written communication skills to interact with internal teams and external partners effectively. Detail-Oriented: High level of accuracy and attention to detail in a deadline-driven environment. Preferred Skills: Familiarity with investor guidelines (e.g., Fannie Mae, Freddie Mac, Ginnie Mae). Ability to adapt to changing market conditions and multitask under pressure. Work Environment: Full-time in office position. Fast-paced setting requiring adaptability to fluctuating market conditions and deadlines. Lock desk is staffed from 8:30AM - 8:00 PM ET. May require availability to work 11:30-8 PM ET shift occasionally Compensation: Competitive salary commensurate with experience. Benefits package including health insurance, retirement plans, and performance-based bonuses. Additional Information: While this description is intended to be an accurate reflection of the position's requirements, it in no way implies/states that these are the only job responsibilities. Management reserves the right to modify, add or remove duties and request other duties, as necessary. All employees are required to have smart phones that meet Company security standards with the ability to install apps such as Okta Verify and Microsoft Authenticator. Employment will be contingent on this requirement. Company Benefits: Newrez is a great place to work but we are only as strong as our greatest asset, our employees, so we believe in rewarding them! Medical, dental, and vision insurance Health Savings Account with employer contribution 401(k) Retirement plan with employer match Paid Maternity Leave/Parental Bonding Leave Pet insurance Adoption Assistance Tuition reimbursement Employee Loan Program The Newrez Employee Emergency and Disaster Fund is a new program to support our team members Newrez NOW: Our Corporate Social Responsibility program, Newrez NOW, empowers employees to become leaders in their communities through a robust program that includes volunteering, philanthropy, nonprofit grants, and more 1 Volunteer Time Off (VTO) day, company-paid volunteer day where all eligible employees may participate in a volunteer event with a nonprofit of their choice Employee Matching Gifts Program: We will match monetary employee donations to eligible non-profit organizations, dollar-for-dollar, up to $1,000 per employee Newrez Grants Program: Newrez hosts a giving portal where we provide employees an abundance of resources to search for an opportunity to donate their time or monetary contributions Equal Employment Opportunity We're proud to be an equal opportunity employer- and celebrate our employees' differences, including race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, and Veteran status. Different makes us better. CA Privacy Policy CA Notice at Collection

This position will assist the Commercial and Consumer Lending Officers. It is accountable for loan processing and for relieving the officers of administrative detail, including tickler file and other varied secretarial and clerical duties as may be designated. This position will also assist in duties assigned for credit card responsibilities. Employees Supervised : None Education, Experience and Certification Requirements Note: Only minimum responsibilities are listed. Other responsibilities may be required as requested by management. Basic Qualifications: 1. 2 year college level course of study in Business Administration and/or financial institution or related field experience or equivalent training and/or experience. 2. Excellent customer service skills. 3. Strong communication and organizational skills. 4. Must be able to work independently and to prioritize multiple tasks. Dimension of Job : This position will assist the Commercial Lending Officers. It is accountable for loan processing and for relieving the officers of administrative detail, including tickler file and other varied secretarial and clerical duties as may be designated. This position also supports Ag Lending, Consumer Lending, Real Estate Lending, and backup to CEO Secretary. For full description, which includes physical mental demands please see attachment.

Credit Manager - Hospitality Group (U.S.) Eligibility: Applicants must have the legal right to work in the United States. Salary: $80k USD per year About the Role A distinguished luxury hospitality group is seeking an experienced Credit Manager to oversee guest and group billing operations, accounts receivable, and payment reconciliation. This position plays a vital role in maintaining the financial integrity of the property while ensuring a seamless guest experience. The successful candidate will demonstrate strong financial acumen, attention to detail, and the ability to collaborate effectively with cross-functional teams, including Front Office, Sales, and Events. Key Responsibilities ● Prepare and issue accurate invoices for individual, group, and corporate accounts. ● Monitor outstanding balances and manage timely collection of payments. ● Reconcile daily transactions and guest folios within property management systems. ● Post payments and allocate them accurately to guest and company accounts. ● Oversee billing processes for events, group bookings, and extended stays. ● Collaborate with operational teams to resolve billing discrepancies. ● Maintain precise and compliant financial records in accordance with company standards. ● Review aging reports and escalate overdue accounts when necessary. ● Conduct credit card and bank reconciliations; manage gift card balances. ● Support month-end closing activities and internal/external audits. Required Qualifications ● Education: Associate or Bachelor's degree in Accounting, Finance, or related field. ● Experience: 2-5 years in Accounts Receivable or Credit Management within the hospitality industry (hotel or resort environment preferred). ● Technical Skills: Proficiency in hotel accounting systems (Opera PMS or similar). Strong command of Excel and financial reporting tools. Familiarity with PMS, POS, and general accounting software. ● Core Competencies: Exceptional accuracy and organizational ability. Effective communication and follow-up skills. Proven ability to meet deadlines and manage competing priorities. Analytical mindset with a focus on problem-solving and collaboration. Preferred Background ● Prior experience in luxury or boutique hospitality settings. ● Demonstrated success managing complex billing portfolios (groups, long-stay, and corporate). ● Working knowledge of U.S. accounting standards and hospitality billing compliance.