Credit analyst jobs in Taylorsville, UT

Current Employees of LendingClub: Please apply via your internal Workday Account LendingClub Corporation (NYSE: LC) is the parent company of LendingClub Bank, National Association, Member FDIC. We are the leading digital marketplace bank in the U.S., having helped our nearly 5 million members secure over $90 billion in loans to refinance high-cost debt and achieve their financial goals. Members today have mobile-first access to a growing range of products and services designed to work seamlessly together to deliver value in new ways. Everyone deserves a better financial future, and our team is committed to making that a reality. Join the Club! About the Role Here at LendingClub, we take pride in helping our customers through our ethos of service: Lending Care. As leaders in the market, we seek individuals who are inspired by our vision and embody our values. By joining the Credit Team, you'll have the opportunity to help our members along the path to financial success. This is a non customer-facing role, but you will still be expected to provide an excellent customer experience by being proficient and efficient. In this role, you will verify customer identity and credit worthiness with integrity while following three simple principles: "Build a Relationship, Make It Easy, and Think Ahead." What You'll Do * Review personal loan applications with precision in a high-volume environment * Review and verify financial documents such as Tax Returns, Pay Stubs, W2s, Bank Statements and 1099s * Manage ambiguity in the application review * Interact with our cross functional departments to help with verification and decisioning member's applications. This includes identity, employment verification, financial standing, etc. * You will be expected to notate throughout each document review * Help us build upon our foundation of best of class service by achieving highly efficient and qualitative work Pay: $18.00/hr Start Date: We are looking to hire for February 23, 2025 Schedule (Subject to change): Monday - Friday. Schedules vary on business need, we are open from 6 AM - 6 PM About You * 1+ years of experience; experience in the consumer lending industry preferred * You think ahead and provide solutions that anticipate future needs * You are adaptable to new opportunities and process changes * You can translate feedback to actionable results * You have strong analytical, written & verbal communication skills * You are proficient in using computers and able to quickly navigate multiple programs, type with precision, and efficiently research/browse information * High school diploma or GED equivalent required Work Location Lehi, UT - MUST LIVE WITHIN 75 MILES OF OFFICE. We are currently working a hybrid schedule and our teams are in-office Tuesdays, Wednesdays & Thursdays. Working Conditions Required to be on the phones, work on a computer and at a desk for extended periods of time including viewing a screen, using a mouse, manipulating a keyboard and wearing a headset. Must be able to function effectively in a dynamic, fast-paced call center environment where natural and regular work stressors can occur. What Makes LC different: A great place to build your career We want you to learn and grow with us. Onboarding programs, on-the-job training, career-development sessions, and performance check-ins keep you on a path toward the next level. We celebrate individuality Individual perspectives and experiences make us and our business better-there is no "typical" LendingClub employee. We encourage everyone to voice their opinions while retaining the humility to listen and accept other viewpoints. Employee resource groups supporting female, LGBTQ+, Black, Asian, Latinx, Jewish, parent, and veteran team members offer more ways to feel connected and supported within our LendingClub community. You are worth it We want every employee to feel valued. One way we do that is through our generous compensation and benefits package, which includes: * Generous paid time off * 401(k) match up to 4% ($5,000 per year max) * Wellness program with cash incentives and more! Perks with purpose We also offer a wide range of onsite perks to help you get the most out of your day. * Onsite gym, locker room, showers and a bike room * Public Café in the building * Onsite barista for made to order coffee, smoothies and teas * Light-filled, colorful workspaces that encourage collaboration and innovation * Covered parking * Basketball courts and open field for sports activities * Healthy snacks and drinks Position ineligible for visa sponsorship. Check us out on social media! LendingClub LinkedIn #LI-SS1 #Hybrid #LCCR4 LendingClub is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system. We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at interviewaccommodations@lendingclub.com.

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we're changing the way people think about and interact with personal finance. We're a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we're at the forefront. We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The team SoFi's Credit team manages credit risk activities for our lending products (Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - including credit strategies/policies for new account origination and portfolio management, collections/recovery strategies and operations, and risk and operational data science and analytics. The team designs data-driven strategies to ensure the growth in lending is consistent with the company's risk appetite and helps create the products and experiences that put our members' interests first. The Senior Credit Manager will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi's lending products, including Personal Loan, Student Loan Refinance, Private Student Loan, and Credit Card. The initial focus of the role will be on Personal Loan but the candidate may get opportunities to work on other lending products in the future. The candidate will be responsible for independently developing and implementing Personal Loan underwriting strategies that meet our risk appetite, monitoring and analyzing the risk trends within the portfolio to provide insights and recommendations for strategy enhancement opportunities. She/he will be part of the Credit team with 1LOD responsibilities. The Senior Credit Manager will collaborate with cross-functional teams such as Business Units, Operations, Marketing, Finance, Capital Markets, Product, Engineering, Legal and Compliance. Use business acumen, credit experience and quantitative and analytical skills to drive revenue, control risk, and provide value to the company and consumers. The ideal candidate will possess a data-driven analytics background and the strategic acumen to direct a function that draws strategic insights from data using database and statistical analysis tools to inform decisions and support SoFi's overarching strategic goals relative to loss prevention and profit optimization. They bring new ways of thinking, data sources, technologies, and capabilities to SoFi. What you'll do: * Innovate… Bring your brightest ideas to build algorithmic risk strategies. This means you will architect credit underwriting, pre-screen targeting, and risk tier assignment. * Data Driven… Your deep analysis will power the future of lending with an optimal real-time data ecosystem - including multi-product internal, bureau, third-party, and alternative data sources and uses. * Iterate, learn, innovate… We are all responsible for innovation and must embrace a test-and-learn mentality and data-driven decision making. * Collaborate… Work collaboratively with business partners such as Business Units, Operations, Marketing, Finance, Legal and Compliance to deliver successful business results. Partner closely with implementation teams to accurately drive new strategies to production. * Control the Risk and Drive Performance Outcomes … Understand credit risk and develop approaches to mitigate loss and responsibly grow revenue. Monitor the performance of strategies and portfolios. Document and communicate results and escalate issues as necessary. Identify gaps/opportunities and drive actions. * Challenge the Status Quo … Challenge others, continuously raise the bar, build better processes and attack hard problems to help us build the best products in the industry. * Grow, Grow, Grow!… Be inspired by dynamic leaders and our rapidly growing business. We want YOU to be an inspired leader of tomorrow, so we are recruiting the best, brightest, and passionately quantitative team members. What you'll need: * 7+ years of related experience * Business acumen and work experience in the consumer lending business (loans or credit cards) * Direct experience in the credit strategy analytical life cycle, including strategy and decision tree development, P&L, presentation, implementation validation, and post-implementation monitoring * Proven analytical skills in conducting sophisticated analysis using customer performance data, bureau attributes, and other 3rd party variables to solve business problems * Proficient data exploration and credit modeling skills in Excel, SQL and Python * A demonstrated ability to synthesize and communicate analysis to business partners and senior management * Results-driven, eager to learn, and able to work collaboratively in a fluid environment * Knowledge/skills in analytical and modeling techniques such as decision trees, regression, logistic regression, test design * Preferred: 7+ years of personal loan credit risk experience * Preferred: Experience in developing credit strategies using innovative data sources such as cash flow or alternative data * Preferred: Advanced degree (Master's or PhD) with a quantitative major such as Statistics, Mathematics, Engineering, or Computer Science Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate's experience, skills, and location. To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page! Pay range: $172,800.00 - $297,000.00 Payment frequency: Annual This role is also eligible for a bonus, long term incentives and competitive benefits. More information about our employee benefits can be found in the link above. SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law. The Company hires the best qualified candidate for the job, without regard to protected characteristics. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. New York applicants: Notice of Employee Rights SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com. Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time. Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

Title: Associate and/or Vice President The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm. Credit Risk (CR) is responsible for managing the firm's credit exposure to its trading and lending counterparties. Leveraging its extensive expertise in financial, credit and risk analysis, CR ensures that credit exposure to our counterparts is managed within the firm's risk appetite. Staffed with more than 300 professionals, CR operates through 11 different offices around the world and credit professionals work closely with many areas of the firm. Given this structure, CR professionals gain diverse financial experience and a broad perspective on how the entire firm functions. The interaction with numerous departments and the range of projects that ensue allow for a challenging, varied and multi-dimensional work environment. Key Responsibilities * Approve counterparty credit research and credit rating analysis conducted by analysts on Asset Backed Warehouse facilities and Commercial Real Estate Lending / REIT corporate financing transactions * Analyze all credit facilities of the assigned portfolio counterparties and recommend internal credit rating and regulatory risk ratings * Present findings and recommendations to senior leadership and answer questions relating to analysis performed; Escalate issues to senior management * Lead efforts to produce ongoing surveillance research and prepare portfolio observations for senior management * Update and enhance existing internal rating methodology for Structured Finance and Commercial Real Estate/ REIT financing facilities * Own and lead ad-hoc projects relating to regulatory remediation, credit risk process improvement, and surveillance * Ensure compliance with Credit Risk policy and procedures, and recommend adjustments as needed * Provide both industry specific training and review process training to new hires and juniors analysts Other key responsibilities include: * Coordinate with global colleagues in GS Risk teams as well as with other divisions * Support key Risk governance and approval committees * Participate in regulatory examinations Basic Qualifications * Bachelor's Degree (US or foreign equivalent) in Business Administration, Finance, or a related field Preferred Qualifications * Preferred experience in underwriting, portfolio management, credit rating/research, and risk management of either of or a combination of the following three areas; Structured Finance (warehouse lending and other asset-backed financings), Commercial Real Estate Lending, and REIT Corporate Financing transactions * Familiarity of CMBS / ABS / CLO structure and market drivers for various asset classes (eg CRE, residential mortgage, consumer & commercial receivables, aviation, transportation, etc) * Experience in presenting and defending credit research and findings to colleagues, senior management and internal stakeholders * Experience in team environment, including experience providing training to junior colleagues and peers * Highly motivated with strong academic background * Strong analytical and communication skills, both oral and written * Team player with an ability to work effectively with colleagues in other regional offices * Flexibility, ability to learn quickly * Strong organizational skills and the ability to manage multiple assignments concurrently Competencies * Functional Expertise - Keeps up-to-date with emerging business, economic, and market trends * Technical Skills - Demonstrates strong technical skills required for the role, pays attention to details, takes initiative to broaden his/her knowledge and demonstrates appropriate financial/analytical skills * Drive and Motivation - Successfully handles multiple tasks, takes initiative to improve his/her own performance, works intensely towards extremely challenging goals and persists in the face of obstacles or setbacks * Client and Business Focus - Effectively handles difficult requests, builds trusting, long-term relationships with clients, helps the client to identify/define needs and manages client/business expectations * Teamwork - Gives evidence of being a strong team player, collaborates with others within and across teams, encourages other team members to participate and contribute and acknowledges others' contributions * Communication Skills - Communicates what is relevant and important in a clear and concise manner, shares information/new ideas with others, and demonstrates judgment to escalate as appropriate * Judgment and Problem Solving - Thinks ahead, anticipates questions, plans for contingencies, finds alternative solutions and identifies clear objectives. Sees the big picture and effectively analyzes complex issues * Creativity/Innovation - Looks for new ways to improve current processes and develop creative solutions that are grounded in reality and have practical value * Influencing Outcomes - Presents sound, persuasive rationale for ideas or opinions. Takes a position on issues and influences others' opinions by presenting persuasive recommendations ABOUT GOLDMAN SACHS At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers. We're committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: ********************************************************************* The Goldman Sachs Group, Inc., 2023. All rights reserved. Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, age, veterans status, disability, or any other characteristic protected by applicable law.

Maximize collection of accounts receivable while maintaining customer goodwill. QUALIFICATIONS REQUIREMENTS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. ESSENTIAL FUNCTIONS Reviews aging reports on accounts receivable to determine appropriate collection efforts. Receives detailed information stored in computer regarding outstanding invoices and credits. Reconciles customer accounts. Investigates and resolves short payments and disputed charges. Creates extended payment contracts as approved by Credit Manager. Handles all small claims proceedings including filing and follow up. Seeks input from other departments when necessary. Discusses initial customers contact strategy with supervisor based on retrieved facts. Initiate written and phone communication with customer. Explains terms and provisions on both open accounts and contracts. Advises supervisor of additional action required (i.e., legal) on a case specific basis. Collects delinquent accounts Evaluates customer records and makes recommendations on customer accounts by viewing for extending credit limit, pursuing other collection actions based on payment history and purchase activity of customer or confers with representatives of credit associations and other businesses to exchange information concerning credit ratings and forwarding addresses. Interviews customers in person or by telephone to investigate complaints, or to correct errors in accounts. Other duties may be assigned. POSITION SUMMARY Maximize collection of accounts receivable while maintaining customer goodwill. QUALIFICATIONS REQUIREMENTS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. ESSENTIAL FUNCTIONS Reviews aging reports on accounts receivable to determine appropriate collection efforts. Receives detailed information stored in computer regarding outstanding invoices and credits. Reconciles customer accounts. Investigates and resolves short payments and disputed charges. Creates extended payment contracts as approved by Credit Manager. Handles all small claims proceedings including filing and follow up. Seeks input from other departments when necessary. Discusses initial customers contact strategy with supervisor based on retrieved facts. Initiate written and phone communication with customer. Explains terms and provisions on both open accounts and contracts. Advises supervisor of additional action required (i.e., legal) on a case specific basis. Collects delinquent accounts Evaluates customer records and makes recommendations on customer accounts by viewing for extending credit limit, pursuing other collection actions based on payment history and purchase activity of customer or confers with representatives of credit associations and other businesses to exchange information concerning credit ratings and forwarding addresses. Interviews customers in person or by telephone to investigate complaints, or to correct errors in accounts. Other duties may be assigned. QUALIFICATIONS Accountability - Ability to accept responsibility and account for his/her actions. Accurate - Ability to perform work accurately and thoroughly. Analytical Skills - Ability to use thinking and reasoning to solve a problem. Assertiveness - Ability to act in a self-confident manner to facilitate completion of a work assignment or to defend a position or idea. Customer Oriented - Ability to take care of the customers' needs while following company procedures. Detail Oriented - Ability to pay attention to the minute details of a project or task. Organized - Possessing the trait of being organized or following a systematic method of performing a task. Problem Solving - Ability to find a solution for or to deal proactively with work-related problems. EDUCATION AND/OR EXPERIENCE High school graduate or General Education Degree (GED). Three to five years related experience and/or training, or equivalent combination of education and experience. Proficient at Microsoft Word, Excel and Proprietary Time Value software. SKILLS & ABILITIES Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs. Ability to apply common sense understanding to carry out instructions furnished in written, or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations. CERTIFICATES, LICENSES, REGISTRATIONS Must have a valid California driver's license and clean DMV report. OTHER SKILLS AND ABILITIES Ability to calculate figures and amounts such as discounts, interest and percentages. Ability to apply concepts of basic algebra. Ability to read, analyze, and interpret general business periodicals, technical procedures, or governmental regulations. Ability to write reports and business correspondence. Ability effectively present information and respond to questions from managers, clients, customers and general public. 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: Use hands and fingers to handle and feel objects, tools, controls and to reach with hands and arms. The employee is also regularly required to talk and hear. The employee is occasionally required to stand, walk, and sit. The employee must regularly lift and/or move up to 10 pounds, frequently lift and/or move up to 50 pounds. WORK ENVIRONMENT Employee will regularly work near moving mechanical parts and occasionally work in outside weather conditions and exposed to wet and/or humid conditions. The noise level in the work environment is usually loud. Skills & Requirements QUALIFICATIONS Accountability - Ability to accept responsibility and account for his/her actions. Accurate - Ability to perform work accurately and thoroughly. Analytical Skills - Ability to use thinking and reasoning to solve a problem. Assertiveness - Ability to act in a self-confident manner to facilitate completion of a work assignment or to defend a position or idea. Customer Oriented - Ability to take care of the customers' needs while following company procedures. Detail Oriented - Ability to pay attention to the minute details of a project or task. Organized - Possessing the trait of being organized or following a systematic method of performing a task. Problem Solving - Ability to find a solution for or to deal proactively with work-related problems. EDUCATION AND/OR EXPERIENCE High school graduate or General Education Degree (GED). Three to five years related experience and/or training, or equivalent combination of education and experience. Proficient at Microsoft Word, Excel and Proprietary Time Value software. SKILLS & ABILITIES Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs. Ability to apply common sense understanding to carry out instructions furnished in written, or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations. CERTIFICATES, LICENSES, REGISTRATIONS Must have a valid California driver's license and clean DMV report. OTHER SKILLS AND ABILITIES Ability to calculate figures and amounts such as discounts, interest and percentages. Ability to apply concepts of basic algebra. Ability to read, analyze, and interpret general business periodicals, technical procedures, or governmental regulations. Ability to write reports and business correspondence. Ability effectively present information and respond to questions from managers, clients, customers and general public. 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: Use hands and fingers to handle and feel objects, tools, controls and to reach with hands and arms. The employee is also regularly required to talk and hear. The employee is occasionally required to stand, walk, and sit. The employee must regularly lift and/or move up to 10 pounds, frequently lift and/or move up to 50 pounds. WORK ENVIRONMENT Employee will regularly work near moving mechanical parts and occasionally work in outside weather conditions and exposed to wet and/or humid conditions. The noise level in the work environment is usually loud.

Headquartered in Salt Lake City, Utah, VFI Corporate Finance, Inc. (“VFI” or the “Company”) is a leading direct commercial finance lender for Middle Market to Fortune 500 companies. The Company has an experienced and proven management team with over a combined century of experience. VFI finances critical use assets for lessees across a wide variety of industries. VFI has a diversified portfolio in both equipment and geographic locations. VFI is currently hiring an experienced Credit Analyst to join our Salt Lake City team. Job Description: Analyze financial statements and other financial information in order to understand a customer's risk profile and to present that analysis to VFI's Credit Committee. The focus of the analysis will be to provide VFI's Credit Committee with an accurate and data-based presentation on a customer's history, its profitability, solvency, stability, liquidity and ultimately, their ability to repay their obligations to VFI. This requires: Spreading financial statements in Excel Understanding customer's business model and industry Incorporating budgets and forecasts into the spreads and comparing them with actual results when appropriate Using third party sources to augment information provided by customer including ratings reports, news articles, press releases, SEC filings, industry data, and so forth Understanding the economics of pending transactions Understanding VFI's collateral and how such collateral supports a transaction Identifying customer specific risks and understand how they might impact the overall credit risk to VFI Identify specific areas of potential fraud Collaborate with members of the Credit Department to manage workflow and ensure timely turnaround of submitted requests Interact with other departments to gather information and ensure credit decisions and guidelines are communicated effectively and accurately Qualifications: Must have solid understanding of financial statements and the ability to consolidate and analyze financial data including: budgets, financial statements, forecasts and financial ratios Informed of current financial subjects including accounting, tax laws, corporate lending and general business organization Outstanding communication and presentation skills are critically important Strong interpersonal and customer relationship skills Detail oriented with the ability to manage multiple assignments simultaneously and meet deadlines Highly proficient in MS Office products, particularly Excel Familiarity with CRM software (e.g., Salesforce) Education and Experience: Bachelor's degree (or higher) in Finance, Accounting, Economics, or another business-related field Three to five years of prior experience as a Credit or Financial Analyst

Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers. With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity. You have the drive, ambition and skills and we want to give you the opportunity. Zions Bancorporation is full of people just like you who share the same values and work ethic. Our diverse workforce offers endless opportunities to expand your skills and gain valuable experience that will help you advance your career. Let's talk about how we can help one another succeed. We have just opened an opportunity for a Municipal Credit Analyst to join our team based in our downtown Salt Lake City offices. This person will participate in a broad variety of functions in the Municipal Portfolio Group. Partnering with relationship managers we work to identify opportunities for new investments in municipal credit that provide a solid return for the bank portfolio. This position is also responsible for monitoring a portfolio of credits and updating risk grades as appropriate to ensure risk is being appropriately accounted for and adequate reserves are held. We are looking for an ambitious and energetic individual to join our team. The ideal candidate will have the skills and experience to: * Research and analyze municipal credits for purchase by the Bancorporation. * Provide recommendations for potential investment/lending opportunities. * Become familiar with a broad range of municipal sectors including tax and revenue backed credits. * Produce written memorandums outlining quantitative and qualitative analysis of the strengths and weaknesses of each opportunity. * Monitor investments on an ongoing basis to determine risk grade for each investment and overall suitability for the portfolio. * Work with other analysts to support team and department objectives. * Interface with relationship managers and other internal and external partners. * Contribute to the creation of financial models for the assessment of credit risk. and the valuation of portfolio securities. * Other duties as assigned. Qualifications * Bachelor's degree in business administration, finance, statistics, mathematics, economics or related field is valuable but an analytical mindset is preferred. * 0-2 years' experience as a financial analyst preferably with a related financial services industry. * Strong attention to detail. * Ability to work both independently and as part of a team in making appropriate decisions on credits. * Basic knowledge of municipal credit markets. * Interpersonal, organization, time management, and problem-solving skills. * Technical writing and verbal communication skills. * PC skills in Microsoft Word and Excel. * Ability to work with other team members and management. * Ability to build strong relationships within the group. * Capable of working with a fair degree of autonomy and initiative. Located in the heart of downtown Salt Lake City, the Zions Bank Building serves as the headquarters of both Zions Bancorporation and Zions Bank. The building sits adjacent to City Creek Center, a world-class shopping and dining destination with more than 100 stores and restaurants. The Zions Bank Building stands tall among Salt Lake City's central business district, providing hundreds of team members with an exceptional work environment and features such as: * Easy access to the City Creek UTA TRAX station, as well as various electric vehicle charging stations in most City Creek area garages; * An employee-only fitness center and bike storage; * An employee lounge, kitchen, micro market, game tables, couches and TVs; * Private mothers' rooms and lockers; and * Access to downtown shopping, dining, arts and entertainment.

Summer Internship (June August 2026) GRADE: 6 $23.00/hr RESPONSIBILITY: The successful applicant will gain experience in all areas of the Association including Credit, Loan Documentation, Appraisal and Marketing. Duties may include: Analyzing and processing mortgage and commercial loans, proper loan structure and documentation, updating Association Commodity Studies, coordinating Customer Appreciation BBQs and/or trade shows, completing collateral inspections and real estate appraisals and other duties as assigned. EXPERIENCE: Applicant must have a basic understanding of production agriculture and be enrolled in college and in good standing. Prefer applicant with minimum of 3 years college education. Applicant must have ability to interact effectively and work well with people at all levels and to convey ideas clearly as well as skills in planning and organization. Must be a self motivator with a good work ethic. Ability to exercise initiative and judgment. Mobility on unimproved properties and ability to lift 40 pounds or more required. Some travel required in performance of job. GENERAL DATA: For over 95 years, the Association has been providing agricultural lending services to commercial and mortgage borrowers in Utah and portions of Wyoming, Nevada and Arizona. FINAL FILING DATE: Applications will be accepted until the position is filled. If you have any questions or need additional information please call **************. Date: September 29, 2025 EEO/AA Employer M/F/V/D

The Fortis Commercial Credit Analyst will participate in rotational training across specific commercial banking verticals, including Commercial and Industrial (C&I), Commercial Real Estate (CRE), Small Business Administration (SBA) Lending, and Capital Finance. This role requires the Commercial Credit Analyst to develop an in-depth understanding in the commercial banking verticals, which includes gaining expertise in the industry terminology, underwriting, structuring and managing a portfolio. This individual will collaborate closely with the Portfolio Managers and Managing Directors, assisting in underwriting new loan opportunities, and loan servicing actions of existing clients. The ideal candidate will be able to undertake a variety of tasks and work diligently under pressure. This individual will be comfortable working with a high degree of attention to detail and discretion as well as incorporating new and effective ways to achieve better results. Responsibilities Successfully complete specific courses within the credit analysis training program within first three months. Conduct financial analysis and spreading of borrower and guarantors, including business and personal financial statements, tax returns and other documents. Complete global cash flow computations, calculate performance ratios, and analyze multi-year trends. Develop a thorough understanding of client cash flows and report on same, including identifying recurring and non-recurring sources. Research industry trends and data to identify questions and risks for each credit. Perform analysis of loan collateral: accounts receivable, equipment, inventory, real estate and/or marketable securities. Monitor existing credits for compliance with financial and reporting covenants. Track loan policy exceptions and loan file document exceptions. Author high-quality credit narratives within the pre-flight, annual loan review and / or credit memos, specifically: Providing background of the borrower and detailing the requested transaction, including loan terms and covenants; Describing strengths as well as key risks and relevant mitigation; Identifying Loan Policy and Product Guide exceptions; Summarizing the financial performance of businesses and individuals; and Assessing the assets secured as collateral relative the credit exposure. Demonstrate understanding of the loan process from start to finish, including preflight memos, underwriting, loan documentation, loan servicing, etc. Other duties as assigned. Qualifications Bachelor's Degree with an emphasis in Finance and/or Accounting required. 1-2 years of relevant experience within banking or financial services preferred. Familiarity with nCino, PrecisionLender, and Salesforce Reporting is preferred. Embodies the Fortis Bank culture principles and competencies and consistently demonstrating a positive, ambitious, and solution-oriented attitude with clients and team members. Proficient and experienced in Microsoft Office suite products and technology, including but not limited to: Outlook, Microsoft Teams, Word, Excel, and PowerPoint. Strong ability to adapt to systems and technology, including but not limited to: client relationship management tools, conference room management and teleconferencing systems and tools, banking core systems, and other common office management products. Communicates effectively and professionally, both verbally and via e-mail and other chat tools. Exhibits strong attention to detail, with analytical and reasoning skills to identify the causes behind financial trends. Excellent organizational skills, regularly demonstrating the ability to multitask, prioritize, and manage time efficiently. Demonstrates strong interpersonal skills, with the ability to build meaningful professional relationships with senior management and team members. ADDITIONAL INFORMATION Reporting Structure : Reports to an SVP, Credit Administration Office Requirements : This position will follow a hybrid work schedule and is required to work in the office at least 4 - 5 days per week. ABOUT FORTIS Fortis Bancorp is the $1.3 billion bank holding company for Fortis Bank. Fortis Bank is a full-service bank that provides loans, deposits, and cash management services to businesses and their principals, with branch locations in Colorado and Utah. More information about Fortis Bank is available at ********************* At Fortis Bank, we take great pride in being a commercial banking partner for our clients. Our people enjoy being empowered with the ability to make a tangible impact in a progressive and less bureaucratic work culture that can often be a struggle for larger institutions. We strongly believe in hiring people greater than ourselves and we recognize, reward, and develop those individuals who make an outsized impact to the business. Each of our hand-selected and exceptionally talented teammates contribute to the heart of our company culture that combines banking expertise and personalized services to create an unparalleled level of client experience. Fortis is Great Place to Work-Certified™ Join a team where your expertise and passion can make a meaningful impact. Learn more today at *****************************

The Loan Servicing Analyst I consist of administrative and customer service responsibilities. The Loan Servicing Analyst I is required to convey an image of professionalism, efficiency, and competence as a member of the Celtic Bank team. This role is expected to deliver exceptional customer service via inbound phone calls and emails by satisfying customer questions and requests. The Loan Servicing Analyst I will be responsible for ensuring compliance with Celtic Bank General Policies as well as state and federal regulations. Essential Job Functions Provide superior customer service with timely responses and accurate information. Receive and respond to all incoming customer service-related matters, some examples of which may include balance inquiries and payment history; documentation requests; address changes; calculation of payoff quotes or amortization schedules; creation of memorandums and inter-departmental communication. Attend trainings to learn policies, procedures, loan products and types. Gain an understanding of the SBA, Celtic Bank departments, and SBA lending. Review, organize, and distribute all departmental mail including mail for service contractors and sponsors. Ability to maintain a great attitude and professional disposition with both internal and external parties, especially while handling deadlines, delays, and setbacks. Perform other duties as assigned. Requirements Previous office experience and/or banking experience is strongly preferred. Detail oriented with the ability to communicate effectively with customers via phone and email. Outgoing personality with the ability to properly resolve customer concerns. Technical skills - including but not limited to Microsoft Office, internet, and SharePoint/OneDrive. Ability to learn quickly, adapt to new processes, and work in a collaborative environment. Ability to establish and maintain effective work relationships. Undergraduate degree preferred, but not required. Benefits Medical, dental, vision 401(k) with employer match Life and long-term disability coverage HSA and FSA plans Holidays and paid time off requests Robust wellness program (we're talking catered meals three times a week, lunch and learns, and onsite gym!) Headquartered in the heart of downtown Salt Lake City, Utah, Celtic Bank was named a top SBA lender in the nation in 2024! Celtic Bank is a leading nationwide lender specializing in SBA 7(a), SBA 504, USDA B&I, express loans, asset-based loans, commercial real estate loans and commercial construction loans. Celtic Bank is an equal opportunity employer and complies with all applicable federal, state and local fair employment practices laws. Physical and Other Requirements This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. The demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Stationary Work: The employee is frequently required to stand; walk; use hands to type, handle documents, and perform other office related duties. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Mobility: The employee in this position needs to occasionally move between work sites and inside the office to access file cabinets, office machinery, etc. Communicate: The employee is regularly required to talk or hear and will frequently communicate with others. Must be able to read, write and understand fluent English. Work Model: The employee in this position will work either a fully Onsite, or Hybrid work model. All employees, regardless of location, may be required to travel to the Salt Lake City office for mandatory company meetings, events, or related occasions. Utah-based employees: Hybrid work schedule available after initial training period in our Salt Lake City, Utah office - department and job requirements will determine eligibility.

Are you passionate about Business Banking and embody the values of credit unions? Are you seeking a career with a respected financial institution that offers camaraderie, professional growth, and advancement opportunities? If so, keep reading! At Cyprus Credit Union, we believe our future is as bright as our team. To attract and retain top talent, we offer competitive pay, comprehensive benefits, opportunities for advancement, career development resources, and a balanced work-hard/play-hard culture. We value diversity, community volunteering, and reducing our carbon footprint. Compensation and Benefits As a Business Banking Officer, you will receive competitive pay based on experience and qualifications, with opportunities for bonuses and incentives. We offer comprehensive benefits to both part-time and full-time employees, including: * Health, dental, life, and vision insurance plans * 401(k) and retirement savings plan * 12 paid holidays * Paid day off for your birthday * PTO starting from day one * Additional PTO for community volunteering * Competitive tuition reimbursement Cyprus Credit Union was named one of the BEST credit unions to work for from 2020-2024 due to our "Most Loved" atmosphere. Position Purpose Business Banking Officers are responsible for providing comprehensive financial solutions to small businesses within our footprint, focusing on acquiring new business relationships for their assigned branches. They also deepen and retain existing relationships, actively pursue new business opportunities, and grow the profitability of our small business program. Results consist of acquiring, expanding, and retaining business relationships with a focus on deposit, treasury, and business lending growth. This is primarily an outside sales role, requiring active engagement with the local business community. Essential Functions and Responsibilities Daily Tasks * Identify and source new business members through outbound calling, business visits, inbound calls, and email. * Maintain regular contact with business members within the portfolio. * Respond to member requests. * Conduct thorough interviews to determine member needs. * Recommend a package of products/services that fulfill those needs. * Fulfill member requests for additional products and services. * Refer members to business partners as needed. * Educate business members and employees on small business lending solutions, business credit cards, deposit accounts, treasury and cash management solutions, digital banking solutions, and consumer product referrals. * Coordinate activities with branches and related departments, obtaining or conveying information as needed. * Keep management informed of area activities and significant problems. * Answer inbound phone calls from business members and employees. * Assist members with servicing issues such as payment discrepancies, fees, and late payments. * Cooperate with other employees to ensure member requests are handled efficiently. Weekly Tasks * Collaborate with assigned branches and branch employees to build referral sources. * Work with assigned business chambers to identify business prospects and support local businesses. * Develop centers of influence and networks to create additional referral sources. * Conduct regular follow-up calls with business members. * Provide support and training to branches on business services. * Assist and support Business Services personnel as needed. * Prepare account applications and other documentation for member signatures, if applicable. * Look for ways to perform duties more efficiently. Monthly Tasks * Identify and attend marketing events that complement or serve the industry or product niches of the portfolio. * Review and evaluate set goals for production and cross-selling, making adjustments as needed. * Review and update the knowledge base on all product offerings to ensure the latest information is provided to members and employees. * Attend and participate in meetings as required. * Provide detailed reports to management on area activities and significant problems. * Complete special projects as assigned. Qualifications Skills/Abilities: * Accurate and attentive to detail * Well organized * Strong typing abilities * Ability to assist others * Proficient with basic business equipment (computer, adding machine, copy machine) * Strong sales ability and understanding of sales process Experience: * 2 to 5 years' experience in a financial institution, preferably working with small businesses Knowledge: * Basic knowledge of business account services and procedures * Familiarity with business loan programs and service requirements * Familiarity with general loan documentation Education/Certification: * High school graduate or equivalent * Associate's or Bachelor's degree in Finance, Accounting, Business, or a related field preferred Join us at Cyprus Credit Union and grow your career with us! Apply now!

Accounts Receivable Credit & Collections Specialist position is responsible for proactively working with customers to collect past due invoices and to ensure customers are receiving account statements and invoices to facilitate payment. Responsible for resolving past due direct and intercompany customer billings. May assist with intercompany account reconciliations, reconciling customer account balances, and performing credit analysis and collection on accounts. This position will also assist Accounts Receivable (AR) Customer Master data maintenance, ensuring tax withholding certificates are current for each customer, assisting with the AR month end, quarter end and year end close processes as required. Primary Duties: Perform all work in compliance with company policy and within the guidelines of BFDX's Quality System. Working knowledge of ERP systems and the Accounts Receivable function as well as foundational understanding of debits and credits as they relate to Accounts Receivable. Make collection calls for outstanding past due invoices, maintain appropriate customer credit limits, place accounts on hold as necessary for collections. Set and meet weekly collection goals. Keep accurate notes and follow up actions in FSCM module of SAP. Working to resolve payment issues by providing documentation, invoice submission in customer portals, and assisting in negotiating customer payment plans on past due balances. Develop a working knowledge of our sales process and types of instrument ownership so an effective communication can occur with the customer and Territory Sales Manager when accounts become past due. Understand customer structure including sold to/bill to partners and customer types in SAP. Interact with the AR Manager, SR Manager, Controller, and/or Legal on any customer bankruptcies, fraud, or reorganizations. Provide support in clearing AR email inbox daily. Provide support in gaining exemption certificates for about to expire certificates. Work with internal and external customers to provide data as requested. Assist with the annual audit and any related interim procedures. Monthly account reconciliations as assigned. Knowledge of government collection processes and procedures. Performs other duties and projects as assigned. Minimum Requirements: High School Diploma, GED or equivalent Some college level accounting courses preferred. Minimum 2 years of experience in credit and collections Experience in uploading invoices to WAWF and DFAS is preferred Experience with SAP preferred Knowledge, Skills and Abilities Experience with Excel, Word, and Microsoft Office Functional skills including critical thinking, adaptability, time management, communication, problem-solving and digital literacy. Understand complex information and interpret it accurately, often requiring critical thinking and analysis to grasp the full picture. Effectively deal with ambiguity requiring adaptability, critical thinking, and proactive communication to navigate situations with limited details Thriving in a fast-paced environment by managing tasks, multitasking, and adapting quickly to maintain productivity. Practicing time management to allocate tasks, balance priorities, and meet deadlines efficiently Managing and measuring work by tracking progress, performance, and goal achievement using metrics and KPIs. Collect and analyze data to drive informed decision-making to improve performance and identify issues Demonstrates assertiveness and confidence in the face of a challenge Comfortable giving clear, direct, and actionable feedback Action Oriented: Takes action even when facing challenges Ability to work cross-functionally allowing for better collaboration and communication when working across teams to achieve shared objectives Written Communications - including the ability to communicate technical data in written form Effective verbal communication skills Build and maintain positive, productive interactions with colleagues Easily accessible and open to communication Reach mutually beneficial agreements through effective communication and compromise Fosters a culture of inclusiveness among all team members Consistently uphold and reflects the core ethical principles and values that bioMérieux promotes The estimated wage range for this role based in Utah is between $26.00 - 29.10. This role is eligible to receive a variable annual bonus based on company, team, and individual performance per bio Merieux's bonus program. This range may differ from ranges offered for similar positions elsewhere in the country given differences in cost of living. Actual compensation within this range is determined based on the successful candidate's experience and will be presented in writing at the time of the offer. In addition, bioMérieux offers a competitive Total Rewards package that may include: A choice of medical (including prescription), dental, and vision plans providing nationwide coverage and telemedicine options Company-Provided Life and Accidental Death Insurance Short and Long-Term Disability Insurance Retirement Plan including a generous non-discretionary employer contribution and employer match. Adoption Assistance Wellness Programs Employee Assistance Program Commuter Benefits Various voluntary benefit offerings Discount programs Parental leaves #biojobs Please be aware that recruitment related scams are on the rise. Fraudulent job postings are being placed on other websites, and individuals posing as bioMérieux Talent Acquisition team members are reaching out via email or text message in an attempt to collect your personal and confidential information. In some cases, these scammers are also conducting bogus interviews prior to extending fraudulent offers of employment. Beware of individuals reaching out using general phone numbers and non-bio Merieux email domains (i.e. Hotmail.com, Gmail.com, Yahoo.com, etc.). If you are concerned that an interview experience or offer of employment might be a scam, please make sure you are searching for the posting on our careers site ******************************* or contact us at [email protected]. BioMérieux Inc. and its affiliates are Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran or disabled status, or genetic information. Please be advised that the receipt of satisfactory responses to reference requests and the provision of satisfactory proof of an applicant's identity and legal authorization to work in the United States are required of all new hires. Any misrepresentation, falsification, or material omission may result in the failure to receive an offer, the retraction of an offer, or if already hired, dismissal. If you are a qualified individual with a disability, you may request a reasonable accommodation in BioMérieux's or its affiliates' application process by contacting us via telephone at **************, by email at [email protected], or by dialing 711 for access to Telecommunications Relay Services (TRS).

Collections Analyst Draper, UT Collections Analyst, Collection, eCommerce, Payments, Financial Service Experience level: Mid-senior Experience required: 2 Years Education level: All education level Job function: Finance Industry: Financial Services Pay rate : View hourly payrate Total position: 1 Relocation assistance: No Visa sponsorship eligibility: No Only local candidates can apply for this role. Job Description: As part of Collections team, this role will support the collections team in the execution and delivery of the team's strategic and operational initiatives. The collections team is responsible for the end-to-end collections process across all and includes reviewing each account to determine the best way to approach the client, then executing their plan to bring in the maximum amount of revenue. The ideal candidate brings collections knowledge and experience, possesses a customer centric mindset, and can contribute strongly individually and as part of a small but high performing team to optimize collection efforts and deliver on critical financial targets. Wed love to chat if you have: 1-2+ years of direct collections experience preferably in ecommerce, payments, financial service or a similar industry Has proven ability to learn, adapt and train new processes and procedures Logical and rational thinker with demonstrated data analysis and investigative skills Possesses excellent organizational and time management skills - must have ability to prioritize and balance multiple tasks simultaneously Nice Have's: Knowledge of payment processing methods including ACH, check, digital wallet, international payments, virtual and credit cards A degree in Accounting, Finance, or Operations Management is a plus. Hiring Manager Notes: In office Mon/Tues/Thurs. Hybrid Contractors must be local to Draper Headquarters (13707 S. 200 W., Draper, UT 84020) Starts off as 5-month assignment has the potential to extend (based on business need and performance) Interviews will be via Zoom. MUST HAVE: 1-2+ years of direct collections experience preferably in ecommerce, payments, financial service or a similar industry. Possesses excellent organizational and time management skills - must have ability to prioritize and balance multiple tasks simultaneously.

About Us At Better Being Co. we empower and inspire individuals to feel better and live healthier lives by providing the most trustworthy, pure, and innovative natural wellness solutions. If you thrive in a challenging work environment, surrounded by incredible team members who will help you grow and do your best work, Better Being is the right place for you. Come build with us and be part of an award-winning company that's helping create meaningful and lasting change in the healthcare industry. Job Summary Better Being Co. is looking for a Credit & Collections Specialist to manage customer accounts, ensure timely responses to credit requests and inquiries, and maintain accuracy in line with company policies. This role handles delinquent accounts, resolves discrepancies and disputes, and works closely with customers and internal teams to ensure efficient collections and account accuracy. Essential Functions Ensure timely responses to credit requests and inquiries. Assure accuracy and adherence to company policies. Develop a strong understanding of our products, supply chain, customers, accounting procedures and pricing. Develop a strong working relationship with various business partners including sales team, customer service, finance, distribution and operations. Reviews status of delinquent accounts and initiates collection action by contacting each account according to due date. Prepares correspondence on delinquent accounts requiring special handling. Research disputed account balances. Corrects any errors, including misapplied payments. Work with Customers via email or phone to resolve discrepancies and disputes. Additional Responsibilities Required to demonstrate competency on all essential job functions of the department. Support of and involvement in company, department, and/or safety policies, procedures, programs, and activities. Maintain a clean and orderly work area. Ensure a high level of accuracy and adherence to established KPI's. Review processes and provide recommendations for improvements to drive more efficiency. Job Qualifications Previous accounting/AR/Collections or Customer Service experience required. Must have knowledge of a variety of computer software applications in spreadsheets, word processing, and database software. Understanding of Electronic Data Interface (EDI) preferred. Ability to read and interpret documents and general business documents. Ability to write reports and business correspondence. Good verbal and written communication skills are necessary. Ability to calculate figures and amounts such as discounts, interest, and percentages. Knowledge of internal controls.\ Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Physical Requirements While performing the duties of this job, the employee is occasionally required to sit; and talk or hear. The employee must exert up to ten lbs. of force occasionally, and/or up to five lbs. of force frequently, and/or a negligible amount of force constantly to move objects. Specific vision abilities required by this job include near acuity, far acuity, depth perception, accommodation, color vision, and field of vision. Our Benefits Join our team and enjoy a comprehensive package of competitive benefits and perks designed to support your well-being and professional growth. Our offerings include: Access to our Employee Health Clinic for your medical needs. Comprehensive Medical, Dental, and Vision Insurance coverage. Participation in our Family First Program, emphasizing work-life balance. 401(K) plan with generous employer match to help you plan for the future. Educational Reimbursement opportunities to support your continued learning and development. Wellness Incentives to promote a healthy lifestyle. Substantial product discounts, because we value our team members as customers too. Generous Paid Time Off and Paid Holidays, ensuring you have time to rest and recharge. For more information, check out our website Better Being Careers and join us in experiencing a workplace where your well-being and success are our top priorities. This description is not intended to be an exhaustive list of responsibilities and qualifications. The position, duties, and qualifications are subject to change at any time. We provide equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

CRG - Associate Global Risk The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm. Job Summary & Responsibilities The Goldman Sachs Group, Inc. is a leading global financial services firm providing investment banking, securities and investment management services to a substantial and diversified client base that includes corporations, financial institutions, governments and high-net-worth individuals. Founded in 1869, the firm is headquartered in New York and maintains offices in London, Frankfurt, Tokyo, Hong Kong and other major financial centers around the world. Credit Risk ("CR") is a central part of the Goldman Sachs risk management framework, with primary responsibility for assessing, monitoring and managing credit risk at the Firm. CR is staffed globally with offices including New York, London, Frankfurt, Salt Lake City, Hong Kong, Warsaw and Tokyo. Understanding the credit quality of corporations, financial institutions and governments worldwide is an essential aspect of the firm's ability to be an effective financial intermediary. Credit professionals with expertise in financial, credit and risk analysis work closely with many areas of the firm as well as clients in either an advisory or transactional capacity, offering a unique opportunity to gain a broad perspective on the activities of the Firm. We partner with other divisions in the firm and externally with clients to support the firm's wide array of banking and trading business. CR professionals are part of the value proposition of the firm, and we balance our key functional responsibility of control with that of being commercial. CR has strong traditions of risk management, client service excellence and career development opportunities for our people. Below you will find the role and responsibilities of a typical Credit Research Group approver. Key Responsibilities * Approve counterparty research reviews and internal credit ratings analysis conducted by analysts. Analysis is expected to include: o Assessment of industry fundamentals, financial strengths, and qualitative factors supporting counterparties' creditworthiness o Financial models to assess the counterparties' ability to service its debt through cash flow projections o Analysis of performance relative to budget and/or underwriting expectations, as well as adherence to covenants * Analyze all credit facilities of the portfolio counterparties and recommend Regulatory Risk Ratings * Present findings and recommendations to senior leadership and answer questions relating to analysis performed; escalate issues to CR senior management * Lead efforts to produce ongoing surveillance and prepare portfolio observations for senior management * Update and maintain existing internal rating methodology * Ensure compliance with Credit Risk policy and procedures, and recommend adjustments as needed * Provide both industry specific training and review process training to new hires and juniors analysts * Opportunity to work on an industry team such as consumer, retail, healthcare, diversified industrials, technology, media and telecommunications. Other key responsibilities include: * Coordinate with global colleagues in GS Risk teams as well as with other divisions, including Investment Banking, Asset Management, Controllers, and Operations * Support key Risk governance and approval committees * Participate in regulatory examinations Basic Qualifications * Bachelor's Degree (US or foreign equivalent) in Business Administration, Finance, or a related field * 3+ years of experience in the job offered or a related role. Preferred Qualifications * Experience in financial models including, but not limited to, future projections, valuation methods (such as DCF, Multiple based approach) * Experience in presenting and defending research reports and findings to colleagues, senior management and internal stakeholders * Experience in team environment, including experience providing training to junior colleagues and peers * Highly motivated with strong academic background * Strong analytical and communication skills, both oral and written * Team player with an ability to work effectively with colleagues in other regional offices * Flexibility, ability to learn quickly * Strong organizational skills and the ability to manage multiple assignments concurrently ABOUT GOLDMAN SACHS At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers. We're committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: ********************************************************************* The Goldman Sachs Group, Inc., 2023. All rights reserved. Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, age, veterans status, disability, or any other characteristic protected by applicable law.

Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the "Best Banks to Work For" and as having a top banking team in its list of "The Most Powerful Women in Banking." Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a "local" business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers. With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity. You have the drive, ambition and skills and we want to give you the opportunity. Zions Bancorporation is full of people just like you who share the same values and work ethic. Our diverse workforce offers endless opportunities to expand your skills and gain valuable experience that will help you advance your career. Let's talk about how we can help one another succeed. We have just opened an opportunity for a **Municipal Credit Analyst** to join our team based in our downtown Salt Lake City offices. This person will participate in a broad variety of functions in the Municipal Portfolio Group. Partnering with relationship managers we work to identify opportunities for new investments in municipal credit that provide a solid return for the bank portfolio. This position is also responsible for monitoring a portfolio of credits and updating risk grades as appropriate to ensure risk is being appropriately accounted for and adequate reserves are held. We are looking for an ambitious and energetic individual to join our team. **The ideal candidate will have the skills and experience to:** + Research and analyze municipal credits for purchase by the Bancorporation. + Provide recommendations for potential investment/lending opportunities. + Become familiar with a broad range of municipal sectors including tax and revenue backed credits. + Produce written memorandums outlining quantitative and qualitative analysis of the strengths and weaknesses of each opportunity. + Monitor investments on an ongoing basis to determine risk grade for each investment and overall suitability for the portfolio. + Work with other analysts to support team and department objectives. + Interface with relationship managers and other internal and external partners. + Contribute to the creation of financial models for the assessment of credit risk. and the valuation of portfolio securities. + Other duties as assigned. **Qualifications** + Bachelor's degree in business administration, finance, statistics, mathematics, economics or related field is valuable but an analytical mindset is preferred. + 0-2 years' experience as a financial analyst preferably with a related financial services industry. + Strong attention to detail. + Ability to work both independently and as part of a team in making appropriate decisions on credits. + Basic knowledge of municipal credit markets. + Interpersonal, organization, time management, and problem-solving skills. + Technical writing and verbal communication skills. + PC skills in Microsoft Word and Excel. + Ability to work with other team members and management. + Ability to build strong relationships within the group. + Capable of working with a fair degree of autonomy and initiative. Located in the heart of downtown Salt Lake City, the Zions Bank Building serves as the headquarters of both Zions Bancorporation and Zions Bank. The building sits adjacent to City Creek Center, a world-class shopping and dining destination with more than 100 stores and restaurants. The Zions Bank Building stands tall among Salt Lake City's central business district, providing hundreds of team members with an exceptional work environment and features such as: + Easy access to the City Creek UTA TRAX station, as well as various electric vehicle charging stations in most City Creek area garages; + An employee-only fitness center and bike storage; + An employee lounge, kitchen, micro market, game tables, couches and TVs; + Private mothers' rooms and lockers; and + Access to downtown shopping, dining, arts and entertainment. **Req ID:** 068922 Equal Opportunity Employer It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws. If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at **************, Mon.-Fri. between 9 a.m. - 5 p.m. MST. Click here to view applicable Federal, State and/or local employment law posters.

Job Description The Loan Servicing Analyst I consist of administrative and customer service responsibilities. The Loan Servicing Analyst I is required to convey an image of professionalism, efficiency, and competence as a member of the Celtic Bank team. This role is expected to deliver exceptional customer service via inbound phone calls and emails by satisfying customer questions and requests. The Loan Servicing Analyst I will be responsible for ensuring compliance with Celtic Bank General Policies as well as state and federal regulations. Essential Job Functions Provide superior customer service with timely responses and accurate information. Receive and respond to all incoming customer service-related matters, some examples of which may include balance inquiries and payment history; documentation requests; address changes; calculation of payoff quotes or amortization schedules; creation of memorandums and inter-departmental communication. Attend trainings to learn policies, procedures, loan products and types. Gain an understanding of the SBA, Celtic Bank departments, and SBA lending. Review, organize, and distribute all departmental mail including mail for service contractors and sponsors. Ability to maintain a great attitude and professional disposition with both internal and external parties, especially while handling deadlines, delays, and setbacks. Perform other duties as assigned. Requirements Previous office experience and/or banking experience is strongly preferred. Detail oriented with the ability to communicate effectively with customers via phone and email. Outgoing personality with the ability to properly resolve customer concerns. Technical skills - including but not limited to Microsoft Office, internet, and SharePoint/OneDrive. Ability to learn quickly, adapt to new processes, and work in a collaborative environment. Ability to establish and maintain effective work relationships. Undergraduate degree preferred, but not required. Benefits Medical, dental, vision 401(k) with employer match Life and long-term disability coverage HSA and FSA plans Holidays and paid time off requests Robust wellness program (we're talking catered meals three times a week, lunch and learns, and onsite gym!) Headquartered in the heart of downtown Salt Lake City, Utah, Celtic Bank was named a top SBA lender in the nation in 2024! Celtic Bank is a leading nationwide lender specializing in SBA 7(a), SBA 504, USDA B&I, express loans, asset-based loans, commercial real estate loans and commercial construction loans. Celtic Bank is an equal opportunity employer and complies with all applicable federal, state and local fair employment practices laws. Physical and Other Requirements This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. The demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Stationary Work: The employee is frequently required to stand; walk; use hands to type, handle documents, and perform other office related duties. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Mobility: The employee in this position needs to occasionally move between work sites and inside the office to access file cabinets, office machinery, etc. Communicate: The employee is regularly required to talk or hear and will frequently communicate with others. Must be able to read, write and understand fluent English. Work Model: The employee in this position will work either a fully Onsite, or Hybrid work model. All employees, regardless of location, may be required to travel to the Salt Lake City office for mandatory company meetings, events, or related occasions. Utah-based employees: Hybrid work schedule available after initial training period in our Salt Lake City, Utah office - department and job requirements will determine eligibility.

Accounts Receivable Credit & Collections Specialist position is responsible for proactively working with customers to collect past due invoices and to ensure customers are receiving account statements and invoices to facilitate payment. Responsible for resolving past due direct and intercompany customer billings. May assist with intercompany account reconciliations, reconciling customer account balances, and performing credit analysis and collection on accounts. This position will also assist Accounts Receivable (AR) Customer Master data maintenance, ensuring tax withholding certificates are current for each customer, assisting with the AR month end, quarter end and year end close processes as required. Primary Duties: * Perform all work in compliance with company policy and within the guidelines of BFDX's Quality System. * Working knowledge of ERP systems and the Accounts Receivable function as well as foundational understanding of debits and credits as they relate to Accounts Receivable. * Make collection calls for outstanding past due invoices, maintain appropriate customer credit limits, place accounts on hold as necessary for collections. * Set and meet weekly collection goals. * Keep accurate notes and follow up actions in FSCM module of SAP. * Working to resolve payment issues by providing documentation, invoice submission in customer portals, and assisting in negotiating customer payment plans on past due balances. * Develop a working knowledge of our sales process and types of instrument ownership so an effective communication can occur with the customer and Territory Sales Manager when accounts become past due. * Understand customer structure including sold to/bill to partners and customer types in SAP. * Interact with the AR Manager, SR Manager, Controller, and/or Legal on any customer bankruptcies, fraud, or reorganizations. * Provide support in clearing AR email inbox daily. * Provide support in gaining exemption certificates for about to expire certificates. * Work with internal and external customers to provide data as requested. * Assist with the annual audit and any related interim procedures. * Monthly account reconciliations as assigned. * Knowledge of government collection processes and procedures. * Performs other duties and projects as assigned. Minimum Requirements: * High School Diploma, GED or equivalent * Some college level accounting courses preferred. * Minimum 2 years of experience in credit and collections * Experience in uploading invoices to WAWF and DFAS is preferred * Experience with SAP preferred Knowledge, Skills and Abilities * Experience with Excel, Word, and Microsoft Office * Functional skills including critical thinking, adaptability, time management, communication, problem-solving and digital literacy. * Understand complex information and interpret it accurately, often requiring critical thinking and analysis to grasp the full picture. * Effectively deal with ambiguity requiring adaptability, critical thinking, and proactive communication to navigate situations with limited details * Thriving in a fast-paced environment by managing tasks, multitasking, and adapting quickly to maintain productivity. * Practicing time management to allocate tasks, balance priorities, and meet deadlines efficiently * Managing and measuring work by tracking progress, performance, and goal achievement using metrics and KPIs. * Collect and analyze data to drive informed decision-making to improve performance and identify issues * Demonstrates assertiveness and confidence in the face of a challenge * Comfortable giving clear, direct, and actionable feedback * Action Oriented: Takes action even when facing challenges * Ability to work cross-functionally allowing for better collaboration and communication when working across teams to achieve shared objectives * Written Communications - including the ability to communicate technical data in written form * Effective verbal communication skills * Build and maintain positive, productive interactions with colleagues * Easily accessible and open to communication * Reach mutually beneficial agreements through effective communication and compromise * Fosters a culture of inclusiveness among all team members * Consistently uphold and reflects the core ethical principles and values that bioMérieux promotes

The Risk Division is a team of specialists charged with managing the firm's credit, market, liquidity, operational and insurance risk. Whether assessing the creditworthiness of the firm's counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm's success. The division is ideal for collaborative individuals who have strong ethics and attention to detail. Department Overview: Credit Risk (CR) is responsible for managing the firm's credit exposure to its trading and lending counterparties. Leveraging its extensive expertise in financial, credit and risk analysis, CR ensures that credit exposure to our counterparties is managed within the firm's risk appetite. Staffed with more than 270 professionals, CR operates through 12 different offices around the world and credit professionals work closely with many areas of the firm. Given this structure, CR professionals gain diverse financial experience and a broad perspective on how the entire firm functions. The interaction with numerous departments and the range of projects that ensue allow for a challenging, varied and multi-dimensional work environment. Responsibilities: * Assess the financial strength of hedge funds by performing fundamental counterparty analysis. Interpret quantitative and qualitative factors drawn from fund's risk reports, portfolio analysis, and client calls * Evaluate derivatives and financing transactions across Global Banking & Markets clients. Review and approve risk in a fast-paced environment while ensuring appropriate mitigants in place to minimize losses in event of counterparty default. Assess risk of transactions through reviews of quantitative models, portfolio analysis, stress testing, and other methods * Perform counterparty reviews, including recommending appropriate internal risk rating for each counterparty and setting credit limits Basic Qualifications: * Excellent academic record * 0-3 years of experience in a finance, markets, or risk role * Significant knowledge of capital markets, including derivatives and/or repo * Demonstrable track record of achievement and independent decision making * Excellent attention to detail. Strong analytical and communication skills Competencies: * Functional Expertise and Technical Skills - Knowledge of financial markets and portfolio risk management. Appropriate financial/analytical skills * Client and Business Focus - Builds trusting, long-term relationships with clients, helps the client to identify/define needs, and manages client/business expectations * Teamwork - Strong team player, works well under pressure, and collaborates with others across teams and business units * Communication Skills - Communicates in a clear and concise manner, shares information/new ideas with peer group and team, and escalates as appropriate * Judgment and Problem Solving - Thinks ahead, anticipates questions, plans for contingencies, finds alternative solutions, and identifies clear objectives. Sees the big picture and effectively analyzes complex issues * Creativity and Influence - Looks for new ways to improve current processes and develop creative solutions with practical value * Continuous Development - Values constant self-improvement and learning

Zions Bancorporation is one of the nation's premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the “Best Banks to Work For” and as having a top banking team in its list of “The Most Powerful Women in Banking.” Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a “local” business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers. With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity. You have the drive, ambition and skills and we want to give you the opportunity. Zions Bancorporation is full of people just like you who share the same values and work ethic. Our diverse workforce offers endless opportunities to expand your skills and gain valuable experience that will help you advance your career. Let's talk about how we can help one another succeed. We have just opened an opportunity for a Municipal Credit Analyst to join our team based in our downtown Salt Lake City offices. This person will participate in a broad variety of functions in the Municipal Portfolio Group. Partnering with relationship managers we work to identify opportunities for new investments in municipal credit that provide a solid return for the bank portfolio. This position is also responsible for monitoring a portfolio of credits and updating risk grades as appropriate to ensure risk is being appropriately accounted for and adequate reserves are held. We are looking for an ambitious and energetic individual to join our team. The ideal candidate will have the skills and experience to: Research and analyze municipal credits for purchase by the Bancorporation. Provide recommendations for potential investment/lending opportunities. Become familiar with a broad range of municipal sectors including tax and revenue backed credits. Produce written memorandums outlining quantitative and qualitative analysis of the strengths and weaknesses of each opportunity. Monitor investments on an ongoing basis to determine risk grade for each investment and overall suitability for the portfolio. Work with other analysts to support team and department objectives. Interface with relationship managers and other internal and external partners. Contribute to the creation of financial models for the assessment of credit risk. and the valuation of portfolio securities. Other duties as assigned. Qualifications Bachelor's degree in business administration, finance, statistics, mathematics, economics or related field is valuable but an analytical mindset is preferred. 0-2 years' experience as a financial analyst preferably with a related financial services industry. Strong attention to detail. Ability to work both independently and as part of a team in making appropriate decisions on credits. Basic knowledge of municipal credit markets. Interpersonal, organization, time management, and problem-solving skills. Technical writing and verbal communication skills. PC skills in Microsoft Word and Excel. Ability to work with other team members and management. Ability to build strong relationships within the group. Capable of working with a fair degree of autonomy and initiative. Located in the heart of downtown Salt Lake City, the Zions Bank Building serves as the headquarters of both Zions Bancorporation and Zions Bank. The building sits adjacent to City Creek Center, a world-class shopping and dining destination with more than 100 stores and restaurants. The Zions Bank Building stands tall among Salt Lake City's central business district, providing hundreds of team members with an exceptional work environment and features such as: Easy access to the City Creek UTA TRAX station, as well as various electric vehicle charging stations in most City Creek area garages; An employee-only fitness center and bike storage; An employee lounge, kitchen, micro market, game tables, couches and TVs; Private mothers' rooms and lockers; and Access to downtown shopping, dining, arts and entertainment.