Credit analyst jobs in Upper Darby, PA - 101 jobs

Spring EQ is a national home equity lender providing flexible and tailored financing solutions directly to consumers with a national network of experienced brokers and partners. Since its founding in 2016, Spring EQ is among the fastest growing and highest-rated home equity financing partners in the United States. Spring EQ offers a broad range of home equity products and delivers a simple and streamlined process that results in faster funding, trustworthy loans, and less frustration for consumers today. To learn more about Spring EQ, visit ***************** At Spring EQ, it is our mission to empower homeowners and buyers to achieve and maximize the value of homeownership in a simple, fast, and ethical manner. Our values are to Be kind and treat all people - teammates, customers, and vendors - with respect and consideration Be adaptable and embrace change Be accountable and take responsibility and deliver the effort to fully complete the task Be better and strive for continuous improvement in ourselves, our team, and the company for our customers Be part of the solution and solve problems, find the answers, and collaborate Work hard, have fun, and get things done We are seeking a Credit Policy Specialist responsible for developing, writing, and publishing credit guidelines for Spring EQ, with a strong emphasis on Non-QM and alternative lending products. Responsibilities The Credit Policy Specialist is responsible for developing, writing, and publishing credit guidelines for Spring EQ, with a strong emphasis on Non-QM and alternative lending products. This role supports the organization by researching and analyzing agency, investor, and proprietary Non-QM requirements, maintaining policy alignment with industry updates, and assisting internal teams-including sales management, processing, underwriting, and closing-with policy interpretation. The specialist ensures that underwriting guidelines and credit policies are clearly understood and consistently implemented across all departments, particularly for complex Non-QM scenarios. Key Responsibilities include; Maintain a robust governance framework to ensure product changes-especially Non-QM and Jumbo-are assessed for credit and operational risk, with decisions thoroughly documented Develop, write, and revise lending technical documentation, including policies, procedures, forms, and quick-reference guides for Non-QM products Conduct in-depth analysis of Non-QM credit policies and make informed recommendations regarding underwriting strategies and product alignment Review and update product matrices regularly, ensuring accuracy for Non-QM and alternative lending programs Serve as a subject matter expert (SME) on Non-QM credit policy topics to promote consistency across underwriting and sales teams Act as the primary point of contact for internal inquiries related to Non-QM credit exceptions, investor overlays, and regulatory guidelines Research industry trends and emerging risks in the Non-QM space, evaluating best practices in credit risk management Collaborate with Product, Underwriting, and Compliance teams to align new or revised Non-QM products with credit policies and risk tolerance Communicate credit policy updates professionally and clearly to support organizational transparency and enhance brand credibility Complete special assignments as directed by management Qualifications Education: Bachelor degree Work history: 7-10 years of mortgage underwriting experience, with at least 5 years in Non-QM and Jumbo products Deep knowledge of Non-QM guidelines, investor overlays, and alternative documentation programs (bank statements, DSCR, asset depletion, etc.) Strong understanding of credit risk assessment for complex borrower profiles Excellent communication and interpersonal skills to support cross-functional collaboration Exceptional organizational abilities with attention to detail Proficient in Microsoft Word, Excel, Outlook, and Teams for documentation, data management, communication, and collaboration Comfortable working in a fast-paced, flexible, and production-oriented environment Compensation: 115-120k per yer Benefits 401k Plan offered through Fidelity Investments with company match Annual Charitable Matching Gift Program Commuter Benefits Company Holidays Credit Union Membership Dental Insurance Dependent Care Plan Disability Insurance Employee Assistance Program Life Insurance Medical Insurance Paid Time Off Plan Vision Insurance Weekly Non-Management Dinner Benefit Applicants must be authorized to work for ANY employer in the U.S. and will not require sponsorship now or in the future. Spring EQ is an Equal Opportunity Employer. We make all employment decisions based on merit and business needs. If you require a reasonable accommodation at any stage of the hiring or employment process, please contact ***********************

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

Insight Global is looking for a Credit/Balance Specialist to join one of our healthcare clients teams in Camden, NJ. The ideal candidate will have strong experience within hospital billing, specifically with credits/overpayments, refunds, submitting/disputing/appealing high dollar claims, authorizations, benefits, accounts receivable/follow up, and payment resolution. This individual will also upload patient medical records using revenue cycle management tools (NaviNet, Pear, and Availity.) They must feel confident working in a fast-paced environment while paying attention to detail (Working within 2-3 work ques, completing 50 claims/denials per day). We are a company committed to creating inclusive environments where people can bring their full, authentic selves to work every day. We are an equal opportunity employer that believes everyone matters. Qualified candidates will receive consideration for employment opportunities without regard to race, religion, sex, age, marital status, national origin, sexual orientation, citizenship status, disability, or any other status or characteristic protected by applicable laws, regulations, and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or recruiting process, please send a request to Human Resources Request Form (****************************************** Og4IQS1J6dRiMo) . The EEOC "Know Your Rights" Poster is available here (*********************************************************************************************** . To learn more about how we collect, keep, and process your private information, please review Insight Global's Workforce Privacy Policy: *************************************************** . Skills and Requirements - High School Diploma - 3-5 years of experience with Hospital Billing - Experience with credit/overpayments and/or insurance refund processes - Strong knowledge of Medicare/Medicaid - Experience with EMR systems - Experience working with Primary Payers - Team player - EPIC experience

Who are we? For over 160 years, C&N has been committed to creating value through lifelong relationships with our customers, communities, shareholders, and teammates. What sets us apart from other banks is our unwavering dedication to embodying our values of teamwork, excellence, respect, responsibility & accountability, integrity, and having fun in everything we do, daily. From partnering closely with our customers and guiding them toward their life aspirations to supporting our local communities through our many initiatives, including “Giving Back, Giving Together,” to making the best decisions for the long-term interests of our shareholders, C&N is committed to being the only financial institution that our customers will ever need. At the heart of what we do are our employees! C&N is a team of passionate, imaginative professionals dedicated to making a positive difference. We believe in fostering a culture where every employee thrives. Join us to be part of a team that values innovation, collaboration, and excellence, where your career aspirations are supported, and your talents are appreciated. Who are you? You are a skilled credit analyst with a passion for uncovering insights and making sound credit decisions. As a Credit Analyst II, you'll play a critical role in evaluating complex loan requests, assessing risk, and providing strategic recommendations that shape our lending decisions. You'll have the opportunity to work on high-level credit analyses, mentor junior analysts, and collaborate with key stakeholders to drive results. At C&N, we foster a culture of trust, integrity, and professional growth. If you thrive in a dynamic environment where your expertise makes a real impact, we'd love to have you on our team. Join us and take the next step in your credit analysis career! You will be responsible for: Financial Analysis & Loan Underwriting - Reviewing and analyzing financial statements for complex borrowers, determining additional information needs, and maintaining loan request status updates. Credit Approval Documentation - Preparing detailed credit approval documents, and assessing strengths, weaknesses, conditions, and financial projections to support lending decisions. Credit & Financial Investigation - Researching borrower creditworthiness using credit bureaus, industry trends, and financial sources, ensuring underwriting data is current and comprehensive. Annual Credit Reviews & Risk Assessment - Conducting timely annual reviews, assigning appropriate risk ratings, and updating internal records to ensure compliance with loan policies. Risk Rating & Credit Approval - Assisting in risk rating assignments, providing recommendations for adjustments, and exercising credit approval authority within policy guidelines, including participation in credit committees. Client Relationship & Business Development - Partnering with lenders to meet with clients, assessing business operations, addressing underwriting inquiries, and promoting banking products and services. Requirements: Education & Experience - You will need a Bachelor's degree in Accounting, Finance, or a directly related field AND 2-4 years of previous related experience and/or training. Skills - You should possess well-developed abilities and a proven track record in the following areas: Developed analytical and critical thinking skills with the ability to identify strengths and mitigate risks. Excellent organizational skills and attention to detail. Proficient in conducting thorough research. Effective verbal and written communication skills. Knowledgeable of Accounting Standards and experience working with tax returns. Key Competencies - The combination of skills, behaviors, and attributes required to perform effectively in a role and achieve organizational goals include: Manages Complexity: Analyzes situations, gathers data, and evaluates options to solve complex problems effectively. Instills Trust: Maintains integrity, follows through on commitments, and earns credibility through consistent actions. Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact. Manages Ambiguity: Navigates uncertainty with confidence, makes decisions without complete information, and remains calm and effective in dynamic situations. Drives Results: Achieves goals despite challenges and motivates others to deliver strong outcomes. Nimble Learning: Adapts quickly, explores solutions, embraces new challenges, and learns from mistakes. Why C&N? At C&N, we're more than just a team - we're a community working together toward a shared mission: the success of our customers, teammates, shareholders, and communities. Achieve & Grow: Your success is our success. At C&N, you'll grow alongside our customers as we work together to achieve meaningful goals. Learn & Develop: Collaboration is at the heart of what we do. You'll learn from and with your teammates, fostering both personal and professional growth. Contribute & Be Rewarded: Your contributions make a difference, and we recognize your impact through competitive rewards and career advancement opportunities. Share & Celebrate: Together, we give back and celebrate the milestones that matter to our communities. We're proud of our award-winning workplace culture, recognized repeatedly with the NBRI Circle of Excellence Award. At C&N, we live our values every day, creating a supportive, inclusive, and dynamic environment where you can thrive. Comprehensive Benefits for Your Success: At C&N, we offer more than just a competitive salary - our robust benefits package is designed to support your well-being, career growth, and work-life balance. Highlights include: Paid Time Off: Generous vacation, personal, sick, family sick, and community service leave. Retirement Savings: 401(k) with pre-tax and ROTH contribution options and a safe harbor match, plus an Employee Stock Ownership Plan (ESOP). Health & Wellness: Health, dental, and vision coverage, including employer-paid premium options for employee-only coverage. Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) for medical and dependent care. Employer-paid life and disability insurance. Additional voluntary coverages to meet your unique needs. Career Development: Access to education and development programs and ongoing support for personal and professional growth. With C&N, you can customize your benefits to fit your life while growing your career in a supportive and rewarding environment.

We are the leading provider of professional services to the middle market globally, our purpose is to instill confidence in a world of change, empowering our clients and people to realize their full potential. Our exceptional people are the key to our unrivaled, culture and talent experience and our ability to be compelling to our clients. You'll find an environment that inspires and empowers you to thrive both personally and professionally. There's no one like you and that's why there's nowhere like RSM. As a member of our CIM group, working specifically with Accounting Methods & Periods (AMP), you will be responsible for the following job duties which are focused around two core concepts: your technical and quality expertise and delivering excellent client service: Examples of the candidate's responsibilities include: Assist with tax planning and research related to various items that affect the timing of income, deductions, capitalization, cost recovery and inventory Develop an understanding of client's business and industry to help identify tax planning ideas Assist in implementing multiple projects simultaneously, which include client interviews, data gathering, analysis, computations, and preparation of tax filings Document facts and positions and draft other technical memoranda Communicate effectively and respond timely to internal and external requests to help drive the success of AMP engagements Maintain competency through continuing education and obtaining additional professional certifications Basic Qualifications: 90 credit hours completed Working towards B.A. / B.S. degree or equivalent from accredited university Accounting Major Travel to assigned client locations is required. Must have access to and ability to arrange for use of reliable modes of transportation to those locations A minimum 3.0 GPA is preferred Preferred Qualifications: Excellent written and verbal communication skills Strong computer skills, including proficiency in Microsoft Excel Ability to work effectively on a team Ability to work and multitask in a fast-paced environment At RSM, we offer a competitive benefits and compensation package for all our people. We offer flexibility in your schedule, empowering you to balance life's demands, while also maintaining your ability to serve clients. Learn more about our total rewards at ************************************************** All applicants will receive consideration for employment as RSM does not tolerate discrimination and/or harassment based on race; color; creed; sincerely held religious beliefs, practices or observances; sex (including pregnancy or disabilities related to nursing); gender; sexual orientation; HIV Status; national origin; ancestry; familial or marital status; age; physical or mental disability; citizenship; political affiliation; medical condition (including family and medical leave); domestic violence victim status; past, current or prospective service in the US uniformed service; US Military/Veteran status; pre-disposing genetic characteristics or any other characteristic protected under applicable federal, state or local law. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process and/or employment/partnership. RSM is committed to providing equal opportunity and reasonable accommodation for people with disabilities. If you require a reasonable accommodation to complete an application, interview, or otherwise participate in the recruiting process, please call us at ************ or send us an email at *****************. RSM does not intend to hire entry-level candidates who require sponsorship now or in the future. This includes individuals who will one day request or require RSM to file or complete immigration-related forms or prepare letters on their behalf in order for them to obtain or continue their work authorization. RSM will consider for employment qualified applicants with arrest or conviction records. For those living in California or applying to a position in California, please click here for additional information. At RSM, an employee's pay at any point in their career is intended to reflect their experiences, performance, and skills for their current role. The salary range (or starting rate for interns and associates) for this role represents numerous factors considered in the hiring decisions including, but not limited to, education, skills, work experience, certifications, location, etc. As such, pay for the successful candidate(s) could fall anywhere within the stated range. Compensation Range: $34 - $40 per hour

When you join Atlanticus, you become a member of a fast-growing, mission-focused company that is committed to aid in meeting the financial needs of middle-class Americans. With a culture of collaboration and a one-team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well-being. Atlanticus™ technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare, private label credit and general-purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs. Office Locations This Role will be in our Wilmington, DE - Near the Riverfront, offering rich history, dining, entertainment, and shopping. With direct access to I-95, Amtrak, and SEPTA, employees enjoy flexible living options. Work Culture We foster a collaborative, innovative environment where everyone contributes to building something meaningful. You'll be empowered to lead, grow, and make an impact. The Role At Atlanticus , we're redefining how responsible credit can empower consumers. As a Senior Credit Risk & Strategy Analyst , you'll combine analytical rigor with business strategy to drive growth and profitability across our credit card portfolio. You'll take on complex, cross-functional challenges spanning credit risk, marketing optimization, customer experience, and financial performance - all while helping shape Atlanticus's next stage of growth. Because Atlanticus is a fast-growing company, you'll have broader ownership, greater visibility, and more flexibility than at larger institutions. Analysts here are not confined to narrow lanes - you'll own your analyses end-to-end, partner directly with senior leaders, and see your work influence major strategic decisions. What You'll Do Solve complex business problems: Partner with teams across Credit, Marketing, and Finance to develop data-driven strategies that balance growth, profitability, and customer outcomes. Own analytical initiatives end-to-end: Frame key business questions, design analyses, extract and synthesize data using SQL, SAS, and Python, and translate insights into actionable recommendations. Drive credit strategy and performance: Evaluate acquisition, underwriting, and line management strategies to optimize risk-adjusted returns and portfolio health. Support marketing efficiency: Analyze campaign performance, segmentation, and targeting to improve acquisition economics and customer engagement. Contribute to financial planning: Forecast P&L impacts, monitor portfolio trends, and partner with Finance to inform investment and growth decisions. Influence with insight: Present findings to senior leaders, using data storytelling to drive alignment and decision-making across teams. Innovate in a startup-minded culture: Identify opportunities to improve processes, test new ideas, and help shape a growing analytics organization. You're a great fit if you have: Bachelor's degree in a quantitative or analytical field (e.g., Mathematics, Economics, Finance, Statistics, Engineering, or Data Science). 4-6 years of experience in financial analytics, consulting, or business strategy (preferably within financial services or unsecured consumer lending products). Proficiency in SQL & Excel; experience with Python, R, or similar analytical tools. Strong problem-solving, quantitative, and critical-thinking skills. Possess credit card financial modeling skills with understanding of P&L interdependence and profitability drivers. Excellent communication skills with the ability to influence cross-functional stakeholders. Preferred: Master's degree in a quantitative or business discipline. Experience in credit cards, lending, or other data-rich consumer finance businesses. Familiarity with experimentation (A/B testing), marketing analytics, portfolio management or financial analytics. Experience building dashboards and visualizations (Tableau, Power BI). Comfort working in fast-paced, high-growth environments where priorities evolve quickly. Why You'll Love It Here Broad Impact: Work across credit, marketing, and finance to drive holistic business outcomes. Ownership: Enjoy end-to-end responsibility and autonomy to shape strategy, not just report on it. Entrepreneurial Culture: Be part of a nimble, innovative team where ideas move quickly from concept to execution. Visibility: Collaborate directly with senior leaders, contributing to key portfolio and growth decisions. Learning and Growth: Develop diverse analytical skills while deepening your understanding of how a credit card business runs. Why You'll Love Working Here This isn't just a job, it's a place to lead, grow, and thrive. If you believe in your skills and drive, we'll provide the resources and support to help you succeed. Benefits include: Generous PTO and holiday schedule 401(k) with company match Employee stock purchase plan Ongoing training (lunch & learns, financial and health webinars) Team volunteer outings Other Office locations: Atlanta, GA - Located in the Queen Building (King & Queen Towers, Sandy Springs), with easy access to I-285, GA-400, and a free shuttle to MARTA. Austin, TX - Situated in The Domain, a vibrant tech hub with park-like surroundings, top restaurants, and convenient parking, perfect for post-work socializing. Atlanticus is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, gender, sexual orientation, age, veteran status, disability, or other protected status. *Note: Applicants must be authorized to work in the U.S. We do not sponsor employment visas. *Hiring for our Wilmington, DE/Austin, TX office will be processed through Mercury Financial, a brand of Atlanticus.

Responsibilities: Reviews and analyzes credit scoring metrics and risk ratings and quickly identifies material credit strengths and weaknesses to provide timely credit decisions. Collaborates as needed with IT department to maintain automated credit scoring model and facilitate upgrades to commercial and/or consumer credit scoring functionality. Supports credit decisions with scoring model and supplementary data from commercial and personal credit reporting agencies and various web resources including, but not limited to, D&B, Experian, Moodys, S&P, Fitch, A.M. Best, NAIC, and SEC and FDIC filings. Accurately spreads and analyzes financial statements and incorporates relevant financial metrics into credit reviews Reviews and decisions transactions within assigned authority, including recommendations from junior Analysts, and makes recommendations on transactions in excess of assigned authority. Monitors credit lines and completes credit line renewals in a timely fashion. Structures and appropriately documents credit approvals consistent with risk management guidelines. Reviews and approves changes to contract terms and conditions within assigned authority. Advises sales team on pended applications and facilitates the process of obtaining credit and financial information to decision pended transactions. Regularly updates system comments to keep all parties informed of the status of all credit applications. Ensures that dealer and customer concerns are resolved in a timely and appropriate manner without undermining risk management standards. Develops and maintains effective working relationships with inside and outside sales teams and end user customers. Negotiates complex credits to obtain favorable lease structures that win business without compromising credit standards. Seeks guidance as appropriate from supervisors and managers. Provides coverage support for assigned regions and other regions as required. Serves as mentor to less experienced or junior members of the credit team. Qualifications: Bachelor's degree in a relevant field or equivalent experience required, 3 to 5 years of related experience. Background in Equipment Leasing & Financing Hands-on experience with Risk Analysis software & tools (D&B, etc)

Full-time Description First Resource Bank, a thriving community bank headquartered in Exton PA and recognized as one of the “Best Places to Work”, is seeking a motivated full-time Credit Analyst The Credit Analyst is responsible for collecting and analyzing financial data to support commercial lending with occasional involvement in consumer loan underwriting. Key duties include preparing financial spreads and supplemental schedules using web-based tools, Excel, and Word. In conjunction with the Relationship Managers, the Credit Analyst prepares loan approval packages for review and approval by authorized signers including loan committee and the Board of Directors. Additional responsibilities include preparing loan committee agendas, comprehensive packages, loan minutes and reports; performing credit, OFAC, and business lien searches; and maintaining electronic financial records and ticklers with the Jack Henry enterprise system. Lastly, the Credit Analyst may accompany the Relationship Managers on customer calls. Requirements Review and Analyze Financial Information Review and ensure completeness of financial information on new and existing customers, including personal and business tax returns, financial statements and other supporting documentation as appropriate in coordination with the Relationship Managers. Spread business and personal financial information in the web-based financial software and produce spreads of such information to be included in loan write-ups and for file updates. The web-based financial statement spreads shall be supplemented by other schedules, spreadsheets, etc. as needed to clearly present the financial condition, operating results and cash flow of the customer. Such information is to be discussed with the Relationship Manager to identify strengths, weaknesses, risks and trends of the company. Prepare Loan Approval Packages: Work closely with the Relationship Managers to prepare loan request memorandums using primarily Word and Excel. Complete as much of the package as possible including all information about loans and deposits of the relationship, financial spreads and debt service calculations. Assemble all packages for loan committee, prepare committee agenda and ensure the package is made available to loan committee members in a timely manner. Attend all loan committee meetings and prepare committee minutes. Credit / Loan Administration: Ensure all financial and related information is complete and filed in a timely manner. Update/advance/eliminate financial ticklers depending on circumstance once information has been received. Maintain outstanding relationship and teamwork with other credit, lending and loan administrative staff. Assist with dealing with loan maturities, renewals, etc. Support the construction loan manager as a back-up for construction loan draw requests and inspections. Support credit administration and loan portfolio management by assisting in the preparation of various reports on an as needed basis. Coordinate required loan information with loan review firm, bank examiners, CPA firm, etc. Assist these groups with accessing information in the Jack Henry bank enterprise core system as needed. Competencies: Able to multitask while prioritizing responsibilities and tasks. Able to communicate clearly orally and written. Effective inter-personal skills, working in a team environment Highly organized, reliable and effective with management of time. Strong analytical, problem solving and mathematical abilities Ability to work extra hours including early mornings, evenings and weekends as needed to accommodate customers, prospects, community events, etc. Ability to function well in a high-paced and at times stressful environment. Excellent time management skills with a proven ability to meet deadlines. Proficient with Microsoft Office Suite and various specific bank related software Work with the Credit Department Manager in analyzing portfolio trends, delinquency trends, and other aspects of monitoring the loan portfolio. Supervisory Responsibilities: None Education and Experience: College degree preferred, particularly in related field of study such as Business Administration, Accounting, Finance, Economics, etc. Previous credit or financial analysis training for a minimum of 1-3 years preferred in banking industry, but will consider experience in related industry if applicable. Physical Requirements: Ability to travel both inside and outside the Bank primary area to meet with partners, clients and to attend meetings as needed. Prolonged periods of sitting at a desk and working on a computer. Must be able to lift up to 15 pounds at times. First Resource Bank is an Equal Opportunity Employer

Job Description Credit Analyst - Consumer Finance (Full-Time, Remote or Office) Compensation: $50,000 - $60,000 base salary (depending on experience) Job Type: Full-Time Schedule: Flexible | Rotating Weekends About the Role We are hiring a Credit Analyst to support a high-volume consumer finance and sales operation. This role is ideal for professionals with 2-4 years of experience in credit, lending, or finance who have begun taking on lead, senior, or mentoring responsibilities and are ready for increased ownership and visibility. You will work closely with sales teams and lenders to evaluate credit applications, secure customer-acceptable approvals in real time, and ensure smooth financing outcomes for customers. Key Responsibilities • Review consumer credit applications and determine the most appropriate lender for submission • Secure customer-acceptable approvals while sales representatives are with the customer • Communicate lender terms, approvals, and stipulations clearly to sales teams • Assist with collection of signed loan documents and required lender conditions • Track and log daily credit application activity accurately in internal systems • Monitor lender performance and escalate issues or trends to leadership • Serve as a trusted point of contact for sales teams on financing questions • Maintain strict confidentiality of customer and financial information • Support workflow consistency, quality control, and process improvement initiatives • Work a flexible schedule, including rotating weekends, aligned with sales demand Qualifications • 2-4 years of experience in credit analysis, consumer finance, lending, or underwriting • Experience in Home Improvement Finance or Automotive Finance strongly preferred • Prior experience in a lead, senior, or training role (formal or informal) preferred • Strong understanding of credit applications, lender programs, and approval workflows • Confident communicator with sales-facing experience • High attention to detail with the ability to manage multiple applications at once • Ability to work independently in a fast-paced, performance-driven environment • Strong ethics, discretion, and commitment to confidentiality Why Join Us • Competitive base salary with performance upside • Clear runway into senior or leadership roles within credit operations • High exposure to sales leadership and operational decision-making • Flexible work environment with long-term stability and growth

This role is not eligible for visa sponsorship, meaning you will need to be able to secure and maintain work authorization without the need for a written submission by the company to the government agency, or the need for the company to make an entry as the immigration employer of record (e.g., STEM OPT training plan, I-20 Form endorsed for CPT, TN employer, etc.) Overview: As a Municipal Research analyst in the Municipal Fixed Income group, you will be part of a team that manages municipal bond investments for separately managed client accounts and bond funds. You will conduct fundamental credit analysis and relative value assessments on public municipal debt issues to determine suitability for client accounts. You will work closely with the Head of Municipal Research, the Municipal Research Team and Municipal portfolio managers to develop actionable investment ideas within your assigned geographies and sectors. Complexity of analytical responsibilities will increase commensurate with demonstrated expertise. The successful candidate will be proactive, inquisitive, and team-oriented with a strong interest in the municipal fixed income market. Primary Responsibilities: Analyze investment grade municipal credits through in-depth fundamental credit analysis. Provide timely and insightful credit and relative value opinions on municipal bond investment opportunities. Evaluate appropriateness of new investment opportunities for total return and laddered portfolio strategies. Provide written credit opinions of issuers, incorporating financial statement analysis, economic/market trends, and sector developments. Review offering memoranda for suitability of security structure and bondholder protections. Monitor existing portfolio holdings. Follow market and policy developments within assigned geographies/sectors. Formulate and communicate investment theses within assigned sectors. Promote an environment that supports belonging and reflects the M&T Bank brand. Understand and adhere to the Company's risk and regulatory standards, policies, and controls in accordance with the Company's Risk Appetite. Complete other related duties as assigned. Education and Experience Required: Bachelor's degree and a minimum of 2 years' industry experience, or in lieu of a degree, a combined minimum of 6 years' higher education and/or work experience, including a minimum of 2 years' industry experience. Strong quantitative and analytical skills, advanced accounting skills Excellent written and verbal communication skills, ability to convey complex credit issues clearly and concisely Familiarity with basic artificial intelligence concepts and eagerness to increase proficiency Highly organized, detail-oriented, and proactive Collaborative, team-oriented Education and Experience Preferred: CFA (Chartered Financial Analyst) or progressing toward obtaining CFA designation. Knowledge of Bloomberg and Perform/CreditScope helpful but not required. Graduate degree in finance, public administration or related field strongly preferred. #Assetmanagement #WilmingtonTrust M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $89,000.00 - $148,300.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.Location:Wilmington, Delaware, United States of America

A great banking experience starts with a great team! Mid Penn Bank is actively seeking a Senior Credit Analyst to join our team in PA or NJ. We believe that our ongoing success depends upon a skilled, satisfied, and valued work force. As a member of our team, you can expect opportunities to develop your skills to help you excel in your role and achieve your professional career goals. We offer a comprehensive range of flexible benefits to support your personal and financial well-being. Position Overview The Senior Credit Analyst is responsible for analyzing credit data and financial statements of individuals or businesses to determine the degree of risk involved in extending credit. This individual will prepare reports with credit information for use in the credit decision. In addition, the Senior Credit Analyst will accompany Commercial Loan Officers on customer calls to collect information and ask questions that are necessary during the credit analysis process. Senior Credit Analysts will work independently with limited supervision while analyzing the most complex credits and provide leadership and guidance to less experienced Credit Analysts. Essential Duties and Responsibilities Works independently and with minimal supervision to analyze credit data for the most complex credits. Reviews and analyzes data and financial information to evaluate and provide judgment on the short and long-term repayment prospects of the individual or company. Synthesizes the results of the financial review and prepares financial statement spreads and a written financial analysis summarizing the borrower's historical and projected performance, credit strengths and weaknesses, sources of repayment, potential risks to the organization, and overall evaluation of creditworthiness. Applies credit policy to all loan requests and identifies exceptions to policy that would need additional approvals. Researches specific industry issues and economic trends to predict the potential impact to the borrower's performance. Provides recommendations to assist in policy & procedure development or maintenance. Contributes to active portfolio management and makes recommendations based on the receipt and evaluation of new financial information. Accompanies Commercial Loan Officers on customer calls to collect information and ask questions. Continues on-going education to stay abreast of current economic conditions, techniques in credit analysis, risk management, and industry trends. Achieves goals assigned to the Senior Credit Analyst as part of the assigned department's annual operating plan. Helps establish department goals and implements strategies to achieve goals and helps to manage department workflow when needed. Collects information and asks questions that are then used in the credit analysis process. Works closely with Loan Officers and department management on more complex transactions and interacts with customers and their financial officers in gaining in-depth understanding of customer's business and financial position. Contacts accountants, attorneys, and/or borrowers to obtain additional information. Prepares financial documents and reports in an accurate and timely manner. Completes a minimum average of 8 write-ups per month. Completes extensions prior to month end. Actively manages the term loan reviews as assigned. Collaborates with credit team to identify and correct any issues related to the lending function including customer service, internal operations, credit control procedures, etc. Communicates with management and staff personnel in order to integrate goals and activities. Partners with department management to help train and develop less experienced Credit Analysts; provides leadership, acts as a mentor, reviews work for accuracy, and coaches on best practices and advanced credit underwriting skills. Responds to inquiries relating to his/her particular area, or to requests from other company personnel, customers, etc., within given time frames and within established policy. Ensures that all credit analysis activities are conducted in accordance with prescribed departmental procedures and applicable laws or regulations. Estimates the degree of risk involved in extending credit or lending money to firms or individuals. Determines risk rating based on the evaluation of financial information. Plays an active role in protecting the organization and its customers against fraud by incorporating risk awareness and prevention into daily responsibilities. Prepares or oversees the preparation of key department reports such as, Portfolio Management Reporting, Monthly Stock Collateral Valuation report, Borrowing Base tracking reports, Quarterly Board Reports, and others. Maintains appropriate records and reports pertinent information to the immediate supervisor as requested, or according to an established schedule; compiles information as necessary or as directed and provides data to appropriate personnel. Prepares minutes for company meetings. Performs tasks, which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances. Regular and predictable attendance is required. Education & Qualifications A B.S. or B.A. degree, preferably in a related field of study; specialized financial analysis training also preferred. A minimum of two (2) to (3) years' related experience normally required. Skill(s) Proficient reading, writing, and grammar skills; proficient interpersonal relations, communicative, and presentation skills; ability to work with mathematical concepts such as ratio and trend analysis and ability to interpret trends in each; ability to read, analyze, and interpret industry information, customer financial statements, and tax returns; ability to define problems, collect data, establish facts, and draw valid conclusions; proficient in use of Microsoft Excel, Microsoft Word, information systems, and Internet research; demonstrated leadership skills; ability to sit, stand, walk, bend, stoop, reach with hands or arms, use hands to manipulate objects, handle or feel, and lift items weighing 20 lbs. or less; visual, auditory and speaking skills; valid driver's license is required. Equipment/Machines Automobile Telephone PC/Computer keyboard Printer Fax machine Copy machine Calculator Benefits Mid Penn Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account, dental and vision insurance; life insurance; 401(k) program with employer match and employee stock purchase plan; paid time off, paid holidays; disability insurance coverage, parental leave; employee assistance program, and tuition reimbursement. In addition, all employees are eligible to participate in mentorship programs, receive individualized development and career counseling, and participate in Mid Penn University courses and development programs. EEO Statement Qualified applicants are considered without regard to race, color, age, sex, sexual orientation, gender identity, religion, national origin, genetic information, pregnancy, disability, or protected veteran status. We also comply with all applicable laws governing employment practices and do not discriminate on the basis of any unlawful criteria. Equal Opportunity Employer-Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity Sponsorship Statement As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Mid Penn Bank currently or in the future.

Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $29.75 - $47.75 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. **Line of Business:** Credit Management **Job Description:** **Department Overview:** This Credit Analyst II position is within TD's specialized State & Municipal Credit Management vertical and will be on the Northeastern US team. The Credit Analyst II manages credit activities including underwriting new loan requests and monitoring portfolio risk for governmental borrowers, such as states, counties, cities, towns, townships, boroughs, villages, school districts, special districts, Special Purpose Units, centralized public education service entities, Public Housing Authorities, Housing Finance Agencies, and municipal utilities of governments and state agencies. This role involves completing comprehensive but concise credit write-ups and conducting financial and industry analysis to ensure sound lending decisions that align with the bank's risk appetite and strategic objectives. The ideal candidate will have a strong background in credit analysis, is detail-oriented and resourceful with strong research and problem-solving skills, exhibits exemplary writing capabilities and excellent communication skills, has ability to take initiative with a collaborative, flexible and team-oriented mentality, and is a self-starter with the ability to manage multiple priorities and deliver high quality work in a fast-paced environment with quick turnaround deadlines. Familiarity with government finance is preferred but willing to train the right individual. This is a career path with opportunities for advancement. The above details are specific to the role which is outlined in the general description below. The Credit Analyst II is responsible for conducting in-depth industry and financial analysis of existing and potential borrowers. This job works cooperatively to support the Lending and Credit functions of the Bank. **Depth & Scope:** + Responsible for financial analysis of moderately complex loans/industries/Customers + Works more independently but under the guidance and review of lead staff + Good understanding of loan risk factors + Researches industry specific information from outside sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet + Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times) + Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition + Supports the lending function by providing analytical support + Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities + Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk + May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary + May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos + Monitors compliance with regulatory requirements + Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk + Achieves operational performance standards in quality and timeliness **Education & Experience:** + 4 year degree or equivalent experience + 2+ years related experience required + Developed knowledge of credit and financial analysis techniques. + Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on an increasingly independent basis. + Strong oral and written communication skills. + Strong analytical and research skills. + Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software. + Ability to multi-task and meet deadlines. + Ability to maintain the confidentiality of credit and Customer information. + Good interpersonal skills and a team orientation. **Physical Requirements:** Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% + Domestic Travel - Occasional + International Travel - Never + Performing sedentary work - Continuous + Performing multiple tasks - Continuous + Operating standard office equipment - Continuous + Responding quickly to sounds - Occasional + Sitting - Continuous + Standing - Occasional + Walking - Occasional + Moving safely in confined spaces - Occasional + Lifting/Carrying (under 25 lbs.) - Occasional + Lifting/Carrying (over 25 lbs.) - Never + Squatting - Occasional + Bending - Occasional + Kneeling - Never + Crawling - Never + Climbing - Never + Reaching overhead - Never + Reaching forward - Occasional + Pushing - Never + Pulling - Never + Twisting - Never + Concentrating for long periods of time - Continuous + Applying common sense to deal with problems involving standardized situations - Continuous + Reading, writing and comprehending instructions - Continuous + Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.` **Who We Are:** TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **Our Total Rewards Package** Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more (*************************************** **Additional Information:** We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. **Colleague Development** If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **Training & Onboarding** We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. **Interview Process** We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. **Accommodation** TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

Commercial Credit Analyst - To $80K - Philadelphia, PA - Job # 3518Who We AreThe Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & Rockport, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent. In fact, most of our recruiters are former bankers or accountants themselves!We know how to evaluate the very best banking and accounting talent available in the market. Whether you are a candidate seeking a new opportunity or a bank or company president trying to fill an essential position, The Symicor Group stands ready to deliver premium results for you.The PositionOur bank client is seeking to fill a Commercial Credit Analyst role in the Philadelphia, PA market. The successful Credit Analyst candidate will be responsible for processing daily credit transactions per the credit policy and procedures, maintaining records and files on all credit transactions, including correspondence and documents.This position comes with a generous salary of up to $80K and full benefits package. (This is not a remote position).Commercial Credit Analyst responsibilities include: Performing in-depth financial analysis (spreading and analyzing financial statements). Receiving data on prospective and active borrowing accounts, i.e., financial statements, tax returns, agency and credit reports, and interview and investigation sheets. Analyzing data and evaluates the short- and long-run prospects of the individual or company. Making recommendations to appropriate personnel on the granting or denying of loans. Preparing sufficient information to document recommendations, if assigned to a lending function. Suggesting a loan grade after conducting a thorough credit analysis and documentation review. Ensuring that all credit analysis activities are conducted in accordance with prescribed lending policy. Providing thorough documentation of all financial analysis work, including ratios, cash flow, and collateral analysis, and other related information. Accompanying Commercial Lenders on customer's meetings when needed. Providing leadership, on-the-job training, and technical guidance to the other credit analysts. All other duties assigned. Who Are You?You're someone who wants to influence your own development. You're looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future.You also bring the following skills and experience: Bachelor's Degree in a related field of study preferred specialized financial analysis training. Five or more years of experience as a Credit Analyst required. Experienced in preparing credit presentations. Able to manage/process/track annual reviews of the necessary credits. Thorough knowledge of current lending and loan review regulations and banking regulations, procedures, and operations. Proficient ability to analyze and interpret financial statements. Excellent written and verbal communication skills. Strong organizational skills with an eye for detail. Ability to multi-task. Adept with spreadsheet and word processing software as well as have experience working in a digital office environment. The next step is yours. Email us your current resume along with the position you are considering to:************************

When you work for AmeriGas, you become a part of something BIG! Founded in 1959, AmeriGas is the nation's premier propane company, serving over 1.5 million residential, commercial, industrial and motor fuel propane customers. Together, over 6,500 dedicated professionals will deliver over 1 billion gallons of propane from 1,800+ distribution points across the United States. Applications for this position will be accepted until . Posting Job Summary: Field role to support region Collection efforts. Timely customer service dispute and problem resolution for large and or key accounts. Reduce order interruption due to better communication and resolution of credit blocks. Reduction of third-party involvement for delinquent customers, reduction in late fees and subsequent credits or write-offs. Recommend solutions and document revised processes. Key Characteristics: * Detail oriented with excellent analytical and investigative skills * Excellent ability to reconcile and balance customer accounts Duties and Responsibilities: * Collections liaison for region pod and monthly aging reviews * Prioritization and resolution of top delinquent accounts within region * Increased cover of large Commercial & Ace account support * Write-off review - final bill, tank pick-up, no deliveries * Accountable for credit blocked released orders within region * Partner with TSR on AR aging by sales representative within region * Manage A/R for assigned accounts through account analysis, customer calls and account research * Make recommendations to Manager on what is working and where improvement is needed Knowledge, Skills, and Abilities: * Excellent PC Skills (Proficient with Microsoft Word, Excel, Internet, and E-mail communications) * Ability to read and interpret documents such as invoice and customer activity reports * Ability to write routine reports and correspondence * Excellent communication skills Education: * Bachelor's degree in Accounting or related field * 2 - 5 years of related experience * Ability to read and interpret documents such as invoice and customer activity reports * Ability to write routine reports and correspondence * Excellent communication skills Working Conditions: * Normal office environment with ability to work a flexible schedule AmeriGas Propane, Inc. is an Equal Opportunity Employer. The Company does not discriminate on the basis of race, color, sex, national origin, disability, age, gender identity, sexual orientation, veteran status, or any other legally protected class in its practices. AmeriGas is a Drug Free Workplace. Candidates must be willing to submit to a pre-employment drug screen and a criminal background check. Successful applicants shall be required to pass a pre-employment drug screen as a condition of employment, and if hired, shall be subject to substance abuse testing in accordance with AmeriGas policies. As a federal contractor that engages in safety-sensitive work, AmeriGas cannot permit employees in certain positions to use medical marijuana, even if prescribed by an authorized physician. Similarly, applicants for such positions who are actively using medical marijuana may be denied hire on that basis. The pay for this position ranges from to , depending on circumstances including an applicant's skills and qualifications, certain degrees and certifications, prior job experience, market data, and other relevant factors. Additional compensation may include eligibility to earn a performance-based bonus or commissions on completed sales depending on position. This is the Company's good faith and reasonable estimate of the range of compensation for this position as of the time of posting. The Company offers a wide array of comprehensive benefit programs and services including medical, dental, vision, flexible spending and health savings accounts to our benefits-eligible employees. Additional benefits include retirement savings plans like 401(k) and paid days off such as parental leave, military leave, vacation/paid time off, sick leave in compliance with state law, as applicable, paid holidays, and disability coverage. Some benefits offerings are subject to any legal requirements or limitations, employee eligibility status, and where the employee lives and/or works.

Back to Career Opportunities Application Instructions Send a cover letter, resume and three (3) professional references from past supervisors, to **************** Please indicate the job code ACCTSRA-1225 in the subject line of your email. After sending in your documents, please fill out the online Job Applicant Identifier form. RACC is an equal opportunity employer. In compliance with government regulations we are required to record numbers of job applicants by sex and ethnic category. We ask that you indicate your race or national origin and sex, but you are not required to provide this information. This information will not be kept with your application and will be used only in accordance with state and federal regulations. Background Check If you are chosen for this position, a background check will be required. Full details regarding the background check are available here. Job Details Title: Accounts Receivable Analyst Announce date: 12/15/2025 Apply by date: 01/02/2026 Application status: Reviewing Applications Position type: Full-time Salary: $37,000 per year Working Hours: Working hours for this position consist of a 7.5 hour period (between the hours of 7:30am and 7:30pm) exclusive of a ½ or 1 hour lunch. These hours to be agreed upon between the supervisor and employee at the onset of employment. Position normally requires working Monday through Friday but may require working occasional weekend hours based on the needs of the department. Will require working one evening per week. In addition to the above, this position may require additional evening and/or weekend work with the employee having the option of working this time in addition to, or in lieu of regular hours. Summary: The Accounts Receivable Analyst reports to the WED/CE Records Manager and is responsible for all accounts receivable records, including various tasks that have to do with invoicing, research, collections and adjusting vendor and occasionally student accounts as appropriate. This position works closely with third party vendors, the Financial Aid Office, and the Foundation for the College. Essential Duties and Responsibilities: * Maintain all accounts receivable records, including, but not limited to: * Review accounts with credit balances to determine accuracy of refunds. * Prepare and send out invoices and credit memos on behalf of all areas of the College, and adjust student accounts, when relevant. * Work closely with the Financial Aid Office to apply awards, make adjustments to awards and process refund checks to students. * Work closely with the Foundation for Reading Area Community College and other third parties to apply and monitor scholarships and funded payments, and maintain related student records. * Bill and maintain sponsorship student billings. * Research account discrepancies. * Prepare all related entries to be posted to the accounts, as necessary. * Undertake periodic assignments, such as analysis and adjustment of drop/add activity each term. * Prepare and analyze statements and aging reports. Identify and research delinquent accounts. * Assist with the registration of Community Education sponsored students during peak periods. * Provide routine direction of part-time (15 hpw) and student work/study program clerical workers assigned to the Accounts Receivable department. * In the absence of the Cashier, and at peak periods, receive payments over the counter. Preparation and verification of daily deposit may be required in the absence of the Cashier. * Provide office coverage as required. * Perform office functions necessary for the performance of the responsibilities of the job, such as copying, record keeping, interaction with students and vendors, etc. * Insure all security procedures (including safe locking procedures) are consistently applied in accordance with institutional standards and practices. * Perform other job-related duties as assigned. Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Minimum Qualifications: Required: Education and experience (either a or b is required) a. High school diploma or equivalent with one or two years' work experience in collections/accounts receivable or the Cashier area at RACC required OR b. an Associates Degree in Accounting or Business w/financial accounting courses required. * Knowledge of computerized accounting systems. * Experience with spreadsheet and work processing software. * Demonstrated analytical and problem solving abilities. Preferred: * Community College Experience * Bi-lingual English/Spanish Other Requirements: Excellent communication skills and the ability to establish and maintain rapport with staff, students, and vendors. Supervisory Responsibilities: This job has no supervisory responsibilities. Communication Skills: Bilingual English/Spanish preferred. Ability to read and interpret general publications. Ability to write business correspondence. Ability to effectively present information and respond to questions from customers, staff and students. Mathematical Skills: Ability to perform basic mathematical computations including addition, subtraction, multiplication and division. Ability to calculate, count and change currency. Ability to calculate figures such as discounts and percentages. Reasoning Ability: Ability to follow written and oral instructions. Computer Skills: To perform this job successfully, an individual should have knowledge of Internet software, spread sheet software; data based programming and word processing software. Must be able to learn how to use College's Administrative software system. Certificates, Licenses, Registrations: None 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. While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is frequently required to reach with hands and arms. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, depth perception and ability to adjust focus. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. FOR ANNUAL SECURITY AND CRIME STATISTICS REPORTS: *************************************

Title: Accounts Receivable Analysts (2 openings) Department: Finance Job Type: Regular Full-Time Shift: 1 st Schedule: Hybrid - Monday- Friday, 8:30am to 5:00 pm - 3 days in the office (Tuesday, Thursday and 1 other day of your choice.) Summary: NMS Labs has developed an extensive menu of more than 2,500 tests to support clients in forensic, criminalistic, public health and clinical fields. For over 50 years, our clients have relied on NMS Labs for unique testing solutions that demonstrate our company core values of Quality, Integrity, Service, Innovation and Engagement. As we work to increase the company's positive impact on public health and public safety, we are seeking talented professionals to join us for the journey! We invite you to learn more about our company by visiting NMSLabs.com. Job Summary: We are seeking an Accounts Receivable Analyst to perform daily accounting, billing and pricing duties as assigned, to promote the efficiency of the department and meet reporting deadlines, collections of accounts, and special projects as assigned by the manager. Major Duties and Responsibilities for Level II Code paperwork for miscellaneous customers (via lookup in Workorder Viewer) with the account numbers and make copies for accounts receivable records. Monitor TIQ Billing mailbox daily and forward to appropriate party to respond. Contact clients to request payment on past due accounts. Mail, e-mail, or fax invoices per the client's request. Enter adjustments and account updates sent to TIQ-Billing prior to generating invoices. Correct pricing related to Accumulated Charge Warnings prior to generating invoices. Enter Specimen Retention charges monthly. Generate, print, and sort invoices and review for accuracy. Create revised invoices for clients with special requirements as requested. Work with Sales and Client Services to resolve issues or answer questions about client invoices. Ensure all receipts have been properly posted to customer accounts and all adjustments have been properly recorded. Monitor Aged Account Receivable and Power BI DSO reports on a regular basis to identify delinquent accounts. Ensure all receipts have been properly posted/applied to customer accounts and all adjustments have been properly recorded. Prepare account analysis spreadsheets for various client accounts as needed. Prepare journal entries for the monthly close as assigned. Assist with various audits as needed Other duties as assigned. Major Duties and Responsibilities for Level III Able to satisfactorily accomplish all job responsibilities in Level I and II. Manage high volume, and variety of complex special billing requirements. Manage the processing of pre-payments required for Miscellaneous account samples Requirements for Level II: Bachelor's degree with concentration in Accounting or Finance with a minimum 5 years of A/R experience OR Associate degree with concentration in Accounting or Finance with minimum of 7 years of A/R experience. OR High School Diploma with a minimum of 10 years of A/R experience AND Working knowledge of MS Office Requirements for Level III: Bachelor's degree with concentration in Accounting or Finance with minimum 8 years A/R experience OR Associate degree with concentration in Accounting or Finance with minimum of 10 years OR High School Diploma with a minimum of 10 years of A/R experience AND Working knowledge of MS Office Knowledge, Skills & Abilities: Ability to work in a culturally diverse environment, showing respect, patience, professional attitude and kindness to co-workers. Ability to comprehend regulations and SOPs and apply them to work operations. Ability to hear and to read, write and understand the English language. Good decision making and problem-solving skills. Possesses good general ledger knowledge Good Microsoft Office skills - Excel, Word, Outlook. Excellent phone etiquette with clients and co-workers. Able to work independently and with minimal supervision. Able to plan and accomplish departmental goals and meet deadlines. Excellent organizational skills, analytical skills, and attention to detail. Knowledge of generally accepted accounting principles and be able to apply them effectively. Strong verbal and written communication skills, with ability to interact at all levels of management. Physical Demands: Ability to talk, hear, stand, reach with hands and arms, and use hands and fingers to manipulate instrument/equipment controls, computer keyboard, office equipment, objects, or tools Moving from one work location to another to sit and stand, sometimes for extended periods of time Vision (with correction) including color, distance, peripheral vision, depth perception, and the ability to adjust focus Offers of employment are made contingent upon a nationwide background investigation and urine drug screen with results satisfactory to standards of employment at NMS. *We are an equal opportunity employer and will not discriminate against any employee or applicant for employment because of race, creed, sexual orientation, color, religion, gender, sex, sex identity, gender identity, national origin, age, marital status, citizenship status, otherwise qualified disability, or protected veteran status (disabled , Armed Forces Service Medal, recently separated, active duty or campaign badge ).

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

Spring EQ is a national home equity lender providing flexible and tailored financing solutions directly to consumers with a national network of experienced brokers and partners. Since its founding in 2016, Spring EQ is among the fastest growing and highest-rated home equity financing partners in the United States. Spring EQ offers a broad range of home equity products and delivers a simple and streamlined process that results in faster funding, trustworthy loans, and less frustration for consumers today. To learn more about Spring EQ, visit ***************** At Spring EQ, it is our mission to empower homeowners and buyers to achieve and maximize the value of homeownership in a simple, fast, and ethical manner. Our values are to Be kind and treat all people - teammates, customers, and vendors - with respect and consideration Be adaptable and embrace change Be accountable and take responsibility and deliver the effort to fully complete the task Be better and strive for continuous improvement in ourselves, our team, and the company for our customers Be part of the solution and solve problems, find the answers, and collaborate Work hard, have fun, and get things done We are seeking a Credit Policy Specialist responsible for developing, writing, and publishing credit guidelines for Spring EQ, with a strong emphasis on Non-QM and alternative lending products. Responsibilities The Credit Policy Specialist is responsible for developing, writing, and publishing credit guidelines for Spring EQ, with a strong emphasis on Non-QM and alternative lending products. This role supports the organization by researching and analyzing agency, investor, and proprietary Non-QM requirements, maintaining policy alignment with industry updates, and assisting internal teams-including sales management, processing, underwriting, and closing-with policy interpretation. The specialist ensures that underwriting guidelines and credit policies are clearly understood and consistently implemented across all departments, particularly for complex Non-QM scenarios. Key Responsibilities include; Maintain a robust governance framework to ensure product changes-especially Non-QM and Jumbo-are assessed for credit and operational risk, with decisions thoroughly documented Develop, write, and revise lending technical documentation, including policies, procedures, forms, and quick-reference guides for Non-QM products Conduct in-depth analysis of Non-QM credit policies and make informed recommendations regarding underwriting strategies and product alignment Review and update product matrices regularly, ensuring accuracy for Non-QM and alternative lending programs Serve as a subject matter expert (SME) on Non-QM credit policy topics to promote consistency across underwriting and sales teams Act as the primary point of contact for internal inquiries related to Non-QM credit exceptions, investor overlays, and regulatory guidelines Research industry trends and emerging risks in the Non-QM space, evaluating best practices in credit risk management Collaborate with Product, Underwriting, and Compliance teams to align new or revised Non-QM products with credit policies and risk tolerance Communicate credit policy updates professionally and clearly to support organizational transparency and enhance brand credibility Complete special assignments as directed by management Qualifications Education: Bachelor degree Work history: 7-10 years of mortgage underwriting experience, with at least 5 years in Non-QM and Jumbo products Deep knowledge of Non-QM guidelines, investor overlays, and alternative documentation programs (bank statements, DSCR, asset depletion, etc.) Strong understanding of credit risk assessment for complex borrower profiles Excellent communication and interpersonal skills to support cross-functional collaboration Exceptional organizational abilities with attention to detail Proficient in Microsoft Word, Excel, Outlook, and Teams for documentation, data management, communication, and collaboration Comfortable working in a fast-paced, flexible, and production-oriented environment Benefits 401k Plan offered through Fidelity Investments with company match Annual Charitable Matching Gift Program Commuter Benefits Company Holidays Credit Union Membership Dental Insurance Dependent Care Plan Disability Insurance Employee Assistance Program Life Insurance Medical Insurance Paid Time Off Plan Vision Insurance Weekly Non-Management Dinner Benefit Applicants must be authorized to work for ANY employer in the U.S. and will not require sponsorship now or in the future. Spring EQ is an Equal Opportunity Employer. We make all employment decisions based on merit and business needs. If you require a reasonable accommodation at any stage of the hiring or employment process, please contact ***********************

A great banking experience starts with a great team! Mid Penn Bank is actively seeking a Senior Credit Analyst to join our team in PA or NJ. We believe that our ongoing success depends upon a skilled, satisfied, and valued work force. As a member of our team, you can expect opportunities to develop your skills to help you excel in your role and achieve your professional career goals. We offer a comprehensive range of flexible benefits to support your personal and financial well-being. Position Overview The Senior Credit Analyst is responsible for analyzing credit data and financial statements of individuals or businesses to determine the degree of risk involved in extending credit. This individual will prepare reports with credit information for use in the credit decision. In addition, the Senior Credit Analyst will accompany Commercial Loan Officers on customer calls to collect information and ask questions that are necessary during the credit analysis process. Senior Credit Analysts will work independently with limited supervision while analyzing the most complex credits and provide leadership and guidance to less experienced Credit Analysts. Essential Duties and Responsibilities * Works independently and with minimal supervision to analyze credit data for the most complex credits. * Reviews and analyzes data and financial information to evaluate and provide judgment on the short and long-term repayment prospects of the individual or company. * Synthesizes the results of the financial review and prepares financial statement spreads and a written financial analysis summarizing the borrower's historical and projected performance, credit strengths and weaknesses, sources of repayment, potential risks to the organization, and overall evaluation of creditworthiness. * Applies credit policy to all loan requests and identifies exceptions to policy that would need additional approvals. * Researches specific industry issues and economic trends to predict the potential impact to the borrower's performance. * Provides recommendations to assist in policy & procedure development or maintenance. * Contributes to active portfolio management and makes recommendations based on the receipt and evaluation of new financial information. * Accompanies Commercial Loan Officers on customer calls to collect information and ask questions. * Continues on-going education to stay abreast of current economic conditions, techniques in credit analysis, risk management, and industry trends. * Achieves goals assigned to the Senior Credit Analyst as part of the assigned department's annual operating plan. * Helps establish department goals and implements strategies to achieve goals and helps to manage department workflow when needed. * Collects information and asks questions that are then used in the credit analysis process. * Works closely with Loan Officers and department management on more complex transactions and interacts with customers and their financial officers in gaining in-depth understanding of customer's business and financial position. * Contacts accountants, attorneys, and/or borrowers to obtain additional information. * Prepares financial documents and reports in an accurate and timely manner. * Completes a minimum average of 8 write-ups per month. * Completes extensions prior to month end. * Actively manages the term loan reviews as assigned. * Collaborates with credit team to identify and correct any issues related to the lending function including customer service, internal operations, credit control procedures, etc. * Communicates with management and staff personnel in order to integrate goals and activities. * Partners with department management to help train and develop less experienced Credit Analysts; provides leadership, acts as a mentor, reviews work for accuracy, and coaches on best practices and advanced credit underwriting skills. * Responds to inquiries relating to his/her particular area, or to requests from other company personnel, customers, etc., within given time frames and within established policy. * Ensures that all credit analysis activities are conducted in accordance with prescribed departmental procedures and applicable laws or regulations. * Estimates the degree of risk involved in extending credit or lending money to firms or individuals. * Determines risk rating based on the evaluation of financial information. * Plays an active role in protecting the organization and its customers against fraud by incorporating risk awareness and prevention into daily responsibilities. * Prepares or oversees the preparation of key department reports such as, Portfolio Management Reporting, Monthly Stock Collateral Valuation report, Borrowing Base tracking reports, Quarterly Board Reports, and others. * Maintains appropriate records and reports pertinent information to the immediate supervisor as requested, or according to an established schedule; compiles information as necessary or as directed and provides data to appropriate personnel. * Prepares minutes for company meetings. * Performs tasks, which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances. * Regular and predictable attendance is required. Education & Qualifications * A B.S. or B.A. degree, preferably in a related field of study; specialized financial analysis training also preferred. * A minimum of two (2) to (3) years' related experience normally required. Skill(s) Proficient reading, writing, and grammar skills; proficient interpersonal relations, communicative, and presentation skills; ability to work with mathematical concepts such as ratio and trend analysis and ability to interpret trends in each; ability to read, analyze, and interpret industry information, customer financial statements, and tax returns; ability to define problems, collect data, establish facts, and draw valid conclusions; proficient in use of Microsoft Excel, Microsoft Word, information systems, and Internet research; demonstrated leadership skills; ability to sit, stand, walk, bend, stoop, reach with hands or arms, use hands to manipulate objects, handle or feel, and lift items weighing 20 lbs. or less; visual, auditory and speaking skills; valid driver's license is required. Equipment/Machines * Automobile * Telephone * PC/Computer keyboard * Printer * Fax machine * Copy machine * Calculator Benefits Mid Penn Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account, dental and vision insurance; life insurance; 401(k) program with employer match and employee stock purchase plan; paid time off, paid holidays; disability insurance coverage, parental leave; employee assistance program, and tuition reimbursement. In addition, all employees are eligible to participate in mentorship programs, receive individualized development and career counseling, and participate in Mid Penn University courses and development programs. EEO Statement Qualified applicants are considered without regard to race, color, age, sex, sexual orientation, gender identity, religion, national origin, genetic information, pregnancy, disability, or protected veteran status. We also comply with all applicable laws governing employment practices and do not discriminate on the basis of any unlawful criteria. Equal Opportunity Employer-Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity Sponsorship Statement As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Mid Penn Bank currently or in the future.