Credit analyst jobs in Vista, CA - 128 jobs

Providing for loved ones, planning rewarding retirements, saving enough for whatever lies ahead - our policyholders count on us to be there when it matters most. It's a big ask, but it's one that we have the power to deliver when we work together. We collaborate and innovate - pushing one another to transform not just Pacific Life, but the entire industry for the better. Why? Because it's the right thing to do. Pacific Life is more than a job, it's a career with purpose. It's a career where you have the support, balance, and resources to make a positive impact on the future - including your own. We're actively seeking a talented Private Credit Surveillance Analyst to join our Private Asset Investment team in Newport Beach, CA. The Private Asset team manages a rapidly growing portfolio of over $25 billion of AUM and operates within the Pacific Life Investment (PLI) division that manages over $150B of AUM. The Private Credit Surveillance Analyst will assist with the onboarding, implementation and future monitoring of private credit deals in a portfolio management platform, iLevel. This role involves interfacing with internal teams (credit analysis/underwriting, risk management) and external partners (consultants, technology vendors). How you'll help us move forward: Support the Private Credit Surveillance Manager in implementing a new portfolio management SaaS platform. Collaborate with our legal and business analyst teams to locate pertinent documents. Read and interpret legal documents to extract covenant and reporting requirements. Perform spreadsheeting activities with the assistance of an ADI (Automated Data Ingestion) tool. Perform ongoing portfolio monitoring functions; some credit analysis is necessary. Assist with developing automated dashboards and reports that highlight key performance indicators, covenant tracking, and early-warning signals. The experience you bring: Education: Undergraduate degree in Business, Accounting, Finance, or a related field. Experience: Minimum of 2 years of experience in investment operations, credit analysis, portfolio monitoring, or related role. Strong Collaborator: Proven ability to work in a collaborative environment, works well in cross-functional teams. Technical Skills: Moderate to strong MS Excel skills. Experience using workflow and surveillance software a plus but not required. Communication Skills: Excellent written and verbal communication skills. What makes you stand out: Experience with financial statement spreading and credit analysis Able to investigate complex issues, make connections, and uncover insights Familiarity with credit rating methodologies You can be who you are. We are committed to a culture of diversity and inclusion that embraces the authenticity of all employees, partners and communities. We support all employees to thrive and achieve their fullest potential. What's life like at Pacific Life? Visit Instagram.com/lifeatpacificlife #LI-AJ1 Base Pay Range: The base pay range noted represents the company's good faith minimum and maximum range for this role at the time of posting. The actual compensation offered to a candidate will be dependent upon several factors, including but not limited to experience, qualifications and geographic location. Also, most employees are eligible for additional incentive pay. $100,530.00 - $122,870.00 Your Benefits Start Day 1 Your wellbeing is important to Pacific Life, and we're committed to providing you with flexible benefits that you can tailor to meet your needs. Whether you are focusing on your physical, financial, emotional, or social wellbeing, we've got you covered. Prioritization of your health and well-being including Medical, Dental, Vision, and Wellbeing Reimbursement Account that can be used on yourself or your eligible dependents Generous paid time off options including: Paid Time Off, Holiday Schedules, and Financial Planning Time Off Paid Parental Leave as well as an Adoption Assistance Program Competitive 401k savings plan with company match and an additional contribution regardless of participation EEO Statement: Pacific Life Insurance Company is an Equal Opportunity /Affirmative Action Employer, M/F/D/V. If you are a qualified individual with a disability or a disabled veteran, you have the right to request an accommodation if you are unable or limited in your ability to use or access our career center as a result of your disability. To request an accommodation, contact a Human Resources Representative at Pacific Life Insurance Company.

Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate's unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive. As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for "Best Bank" and "Best Commercial Bank" from the readers of San Diego Union-Tribune and Orange County Register. Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for "Overall Client Satisfaction" in Small Business & Middle Market Excellence Awards. We are looking for a Credit Analyst to join our Business Lending Services (BLS) team in San Diego, CA. CB&T's Business Lending Services (BLS) team provides both loan underwriting and portfolio management support for our Core Branch Banking network focused on the Middle Market business banking segment. BLS embodies CB&T's Vision, Mission, and Values by providing localized support and the ability to work as a larger team to successfully provide a high level of customer experience. BLS is located across three offices throughout the state and multiple teams that consist of Portfolio Managers, Credit Advisors and Credit Analysts at all experience levels. We offer opportunities for learning and career development, exposure to various commercial loan products, and understanding the entire loan facilitation process. Essential Functions: * Conducts credit investigations and analyzes credit information pertaining to loans. * Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches. * Analyzes financial statements and related material. * Analyzes financial conditions and trends. * Reviews and reports non-compliance with loan covenants. * Determines cash flow using appropriate spreading application. * Prepares summaries, presents facts, and offers opinions concerning creditworthiness. * Provides credit information and references for customers, loan officers, or other agencies as requested. * May provide rates and loan information to clients. * Ensures that all credit files include proper documentation including current financial statements, agency reports, etc. * Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed. * Writes credit memorandums. * Accompanies lenders on business calls. * Conducts industry research. * Assists with special projects as assigned. Qualifications: * Requires a Bachelor's degree in Accounting or Finance and 2+ years of credit analysis experience, lending/credit procedures and process or other directly related experience. A combination of education and experience may meet requirements. * Working knowledge of financial and spread analysis and credit/lending procedures for moderately complex loans. * Working knowledge of commercial credit principles, theories, concepts, and techniques. * Ability to work with lending officers and staff. * Solid analysis, research and communication skills, both verbal and written. * Must be detail oriented. * Ability to meet deadlines and make sound decisions regarding loans. * Solid PC skills required. * Working knowledge of spreading/cash flow application is a plus. Benefits: * Medical, Dental and Vision Insurance - START DAY ONE! * Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance * Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts * Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays * 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience * Mental health benefits, including coaching and therapy sessions * Tuition Reimbursement for qualifying employees * Employee Ambassador preferred banking products This position is eligible to earn a base salary in the range of $29 - $38 hourly depending on job-related factors such as level of experience.

Job Description Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital (Up to $5M) to the small and medium-sized businesses that fuel our country. Since 2008, we have prided ourselves on our collaborative, innovative, and customer-focused approach. Enjoying a period of unprecedented growth, driven by the combination of cutting-edge technology, human touch, and unwavering integrity, we are looking to add to our people first culture, with highly motivated and results-oriented professionals, to push the limits of what's possible while creating value for all of our partners. As a Credit Analyst II , you will work closely with experienced credit analysts and underwriters, gaining practical knowledge in financial analysis, risk assessment, and credit decision-making. This role is designed to sharpen your knowledge of assessing the creditworthiness of businesses seeking loans. You will: Analyze financial statements, tax returns, and other financial documents to evaluate the creditworthiness of commercial loan applicants. Assess the financial health of businesses by analyzing key financial metrics, such as liquidity, profitability, and leverage. Prepare credit reports summarizing findings and underwriting recommendations for commercial loan decisions. Collaborate with colleagues to communicate underwriting decisions to loan applicants and address inquiries or provide information. Make underwriting recommendations based on established criteria and policies. Assess the impact of the guarantor on the company's ability to service debt. Performs other duties as assigned. You have: At least 3 years of experience in underwriting or credit analysis, with 2-3 years industry experience being highly desirable. A bachelor's degree in a relevant field such as business, finance, accounting, economics or similar. A solid understanding of GAAP accounting principles and the ability to dissect financial statements and business bank statements. Profound knowledge of the U.S. small business lending landscape, including insights into various industry risk segments. Exceptional organizational, communication, and time management skills. Proficiency in all Microsoft Office products, G-Suite, and the capability to swiftly learn new programs and CRM systems. Superior critical thinking, mathematical, and analytical skills. The capacity to make complex decisions under pressure in a fast-paced setting. We offer: Comprehensive medical, vision and dental benefits that give you peace of mind. Flexible Spending Accounts (FSA) that let you use pre-tax dollars to cover healthcare expenses. A fantastic 401K with matching contributions that helps you plan for retirement and build wealth over time. Generous sick, vacation, and holiday benefits that give you the time and flexibility you need to enjoy life. A gym membership contribution that supports your well-being, and helps you stay energized and focused. An internal referral program that rewards you for bringing talented people to the team. Company events that foster a positive and inclusive culture, and create opportunities to bond and grow with your colleagues. A reasonable estimate of the salary range for this role is $36.06 to $45.67 per hour. In order to provide a competitive compensation package, Mulligan Funding takes into account a variety of factors including but not limited to market compensation data, relevant experience, skills, education, and certifications.Mulligan Funding is an Equal Opportunity Employer (EOE) and takes great pride in building a diverse work environment. Qualified applicants are considered for employment without regard to age, race, religion, gender, national origin, sexual orientation, disability or veteran status. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Who We Are Through our service brands Hyundai Motor Finance, Genesis Finance, and Kia Finance, Hyundai Capital America offers a wide range of financial products tailored to meet the needs of Hyundai, Genesis, and Kia customers and dealerships. We provide vehicle financing, leasing, subscription, and insurance solutions to over 2 million consumers and businesses. Embodying our commitment to grow, innovate, and diversify, we strive to reimagine the customer and dealer experience and launch innovative new products that broaden our market reach. We believe that success comes from within and are proud to support our team members through skill development and career advancement. Hyundai Capital America is an Equal Opportunity Employer committed to creating a diverse and inclusive culture for our workforce. We are a values-driven company dedicated to supporting both internal and external communities through volunteering, philanthropy, and the empowerment of our Employee Resource Groups. Together, we strive to be the leader in financing freedom of movement. We Take Care of Our People Along with competitive pay, as an employee of HCA, you are eligible for the following benefits: · Medical, Dental and Vision plans that include no-cost and low-cost plan options · Immediate 401(k) matching and vesting · Vehicle purchase and lease discounts plus monthly vehicle allowances · Paid Volunteer Time Off with company donation to a charity of your choice · Tuition reimbursement What to Expect The Associate, Consumer Credit is responsible for underwriting consumer applications from Hyundai, Kia and Genesis Dealers. This position is responsible for making credit decisions that meet acceptable underwriting standards within HCA's policies and procedures as well as adhering to all State and Federal regulatory compliance. All Credit Analyst responsibilities should be handled in an expeditious manner per HCA's KPI's. This position requires flexibility and ability to adapt to a multi-functional departmental structure. All positions within the Operations Division are expected to collaborate cross-divisionally to achieve a seamless customer experience; this includes supporting other departments as necessary to meet the business need. What You Will Do 1. Analyze information from credit applications utilizing the four C's of credit to make sound credit decisions based on appropriate authority level, while effectively negotiating the terms and conditions of loan decisions via dealer phone calls or electronic rehash. 2. Balance the demands of Production, Sales Support, Risk, and Quality Assessments while maintaining established SLA's. Participate in team meetings and Calibrations to communicate, share trends, review Policies & Procedures and team goals. 3. Follow up for approvals and pending contracts to increase capture rate and monitor dealer's portfolio. Be well versed in eContract and eRehash processes. Conduct Customer Interviews and investigations when needed to facilitate in credit decisions or assist in the funding process. Coach and assist dealers to resolve funding issues and reduce unclean contracts. 4. Performance Coaching\: Actively participate in coaching and development sessions/trainings to co-create solutions that enhance individual performance and overall department/team performance. 5. Perform all other duties as assigned. What You Will Bring · Minimum 1-year automotive finance experience (Desirable) · Experience with Collections, Funding, Dealer Services, Lease end or Customer Service (Desirable) · Auto finance or related background is preferred · 2 years of experience in fast paced office environment · Experience with Dealer operations or Sales (Desirable) · High school graduate (GED), College Degree preferred · Strong verbal, written and interpersonal skills · Analytical with high attention to detail · Self- starter with excellent time management skills · Well versed on company product offerings, reporting and measurement systems · Ability to negotiate, influence and collaborate both with customers and associates Work Environment Employees in this class are subject to extended periods of sitting, standing, and walking, vision to monitor and moderate noise levels. Work is performed in an office environment. This position requires flexibility with schedule to include weekends, evenings and holidays. The posted salary range for this job takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; geographic location, and other business and organizational needs. Successful candidates may be hired anywhere in the salary range based on these factors. It is uncommon to hire candidates at or near the top of the range. California Privacy Notice This notice only applies to our applicants who reside in the State of California. The latest version of our Privacy Policy can be found here . This Privacy Policy provides you with notice, at or before the point of collection, about the categories of personal information to be collected from you, the purposes for which your personal information is collected or used, and whether that information is sold or shared, so that you can exercise meaningful control over our use of your personal information. We are providing this notice to comply with the California Consumer Privacy Act of 2018, as amended as amended by the California Privacy Rights Act of 2020 (“CCPA”). If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at Privacy2@hcs.com .

Job Family: PFS General Travel Required: None Clearance Required: None What You Will Do: The Credit Balance Specialist will manage credit balance workloads and respond and follow-up on external and internal inquires in a timely manner. Upon completion of training in the office Monday thru Friday, this position offers an attractive hybrid schedule working two days in the San Marcos, CA office and three days from home. Timely and accurately resolves credit balances. Process internal and external refund requests. Identify trends and escalate where appropriate. Maintain accurate, clear, concise and complete account notes and other relevant information. Respond to requests for information and resolve accounting discrepancies. Resolves unidentified payments through research. Client Responsibility: Research and respond to all patient inquiries received by telephone and mail. Update patient demographic information and initiate account adjustments. Try to resolve account balances to zero prior to accounts being forwarded to an outside agency for collections. What You Will Need: High School Diploma / GED or 3 years of relevant equivalent experience in lieu of diploma / GED. 0-2+ years working within the following sectors: healthcare, insurance, business, finance or customer service. Working knowledge can be of the following: insurance claims, billing, coding, follow-up, finance, accounting or customer service related responsibilities. What Would Be Nice To Have: Credit balance experience within a hospital background PC skills in a Windows environment. Knowledge and utilization of desktop applications to include Word and Excel. Ability to initiate and follow through on projects and work independently with minimal supervision. #IndeedSponsored #LI-DNI The annual salary range for this position is $38,000.00-$63,000.00. Compensation decisions depend on a wide range of factors, including but not limited to skill sets, experience and training, security clearances, licensure and certifications, and other business and organizational needs. What We Offer: Guidehouse offers a comprehensive, total rewards package that includes competitive compensation and a flexible benefits package that reflects our commitment to creating a diverse and supportive workplace. Benefits include: Medical, Rx, Dental & Vision Insurance Personal and Family Sick Time & Company Paid Holidays Position may be eligible for a discretionary variable incentive bonus Parental Leave 401(k) Retirement Plan Basic Life & Supplemental Life Health Savings Account, Dental/Vision & Dependent Care Flexible Spending Accounts Short-Term & Long-Term Disability Tuition Reimbursement, Personal Development & Learning Opportunities Skills Development & Certifications Employee Referral Program Corporate Sponsored Events & Community Outreach Emergency Back-Up Childcare Program About Guidehouse Guidehouse is an Equal Opportunity Employer-Protected Veterans, Individuals with Disabilities or any other basis protected by law, ordinance, or regulation. Guidehouse will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of applicable law or ordinance including the Fair Chance Ordinance of Los Angeles and San Francisco. If you have visited our website for information about employment opportunities, or to apply for a position, and you require an accommodation, please contact Guidehouse Recruiting at ************** or via email at RecruitingAccommodation@guidehouse.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodation. All communication regarding recruitment for a Guidehouse position will be sent from Guidehouse email domains including @guidehouse.com or ************************. Correspondence received by an applicant from any other domain should be considered unauthorized and will not be honored by Guidehouse. Note that Guidehouse will never charge a fee or require a money transfer at any stage of the recruitment process and does not collect fees from educational institutions for participation in a recruitment event. Never provide your banking information to a third party purporting to need that information to proceed in the hiring process. If any person or organization demands money related to a job opportunity with Guidehouse, please report the matter to Guidehouse's Ethics Hotline. If you want to check the validity of correspondence you have received, please contact *************************. Guidehouse is not responsible for losses incurred (monetary or otherwise) from an applicant's dealings with unauthorized third parties. Guidehouse does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Guidehouse and Guidehouse will not be obligated to pay a placement fee.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve realworld challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-inclass. As a Credit Officer in Portfolio Management, you will have the opportunity to apply your proficiency in commercial real estate finance concepts/principles to various property types. You will be responsible for completing annual reviews on properties and borrowers, deriving appropriate risk ratings, and evaluating expected future performance. This role provides a unique opportunity to contribute to our team's success and growth. Job Responsibilities Complete annual reviews on properties and borrowers to derive appropriate risk ratings. Review annual property operating statements, rent rolls, and local market conditions to identify potential risk of default. Document and support concluded risk ratings. Perform field property inspections to assess overall property condition and any associated risk issues. Interact with Borrowers, Client Managers, Executive Credit Officers and other parties to obtain applicable data to perform a complete analysis. Excel in teamwork, which may include training of incoming Credit Officers. Required qualifications, capabilities, and skills Bachelors Degree or equivalent experience. Previous experience with credit analysis and review of commercial real estate loans. Previous experience in portfolio management, loan risk grading/ risk assessment. Strong organizational and time management skills – ability to multitask, prioritize, and work with others in an integrated way to achieve individual objectives and team results. Excellent written and verbal communication skills. Proficiency in Microsoft desktop tools including Word, Excel, Power Point and the ability to quickly acclimate to proprietary systems. FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

Full-time Description Solutions MAZO Capital Solutions is a fast-growing, tech-enabled equipment finance lender powering America's entrepreneurial spirit. We partner with equipment dealers, manufacturers, and online marketplaces nationwide to deliver simple, fast, and flexible financing solutions for small and mid-sized businesses. As MAZO continues its rapid growth as an on-balance-sheet lender, we're expanding our Credit & Risk team to help us say “yes” more while protecting portfolio quality. If you are analytical, detail-oriented, and eager to build a career in commercial credit or financial services, MAZO is an incredible place to learn and grow. Position Overview We are seeking a Junior Credit Analyst who is early in their career and excited to learn the fundamentals of underwriting and credit evaluation. This role supports our Senior Credit Analysts and Underwriters by reviewing documentation, analyzing financial information, and preparing initial credit assessments. This is an excellent opportunity for someone pursuing a future in equipment finance, commercial lending, or risk management. Requirements Key Responsibilities · Assist in reviewing credit applications, bank statements, financials, and credit bureau reports. · Conduct preliminary financial analysis and risk assessment under guidance from senior team members. · Help prepare credit write-ups and summaries outlining key findings and risk considerations. · Communicate with Sales and Business Development teams to gather missing or additional documentation. · Support the structuring of transactions and provide recommendations based on internal guidelines. · Identify potential red flags or inconsistencies within applicant information. · Maintain accurate documentation and support ongoing improvements to underwriting processes. Qualifications · 0-2 years of experience in financial services, lending, banking, equipment finance, or related field (internships welcomed). · Strong analytical skills with an interest in credit, risk, or financial statement analysis. · Ability to interpret bank statements and basic financial documents (training provided). · Excellent written and verbal communication skills. · Highly detail-oriented and comfortable in a fast-paced environment. · Proficient with Microsoft Excel; familiarity with Salesforce is a plus. · Bachelor's degree in Finance, Economics, Accounting, Business, or related field preferred.

ABOUT THE BRAND: Callaway Golf is the leading manufacturer of premium golf clubs, balls, performance gear and accessories worldwide. Through an unwavering commitment to innovation, we push the limits of performance and create demonstrably superior products designed to make every golfer a better golfer. Our company is a blend of experience and diverse backgrounds, and together we look to move the game forward, and we want top-notch people to join us in that mission! By joining Callaway Golf, you also join part of the portfolio of brands within Topgolf Callaway Brands, an unrivaled tech-enabled Modern Golf and active lifestyle company delivering leading golf equipment, apparel, and entertainment, with a portfolio of global brands including Topgolf, Callaway Golf, TravisMathew, Toptracer, Odyssey, OGIO, and World Golf Tour (“WGT”). “Modern Golf” is the dynamic and inclusive ecosystem that includes both on-course and off-course golf. For more information, please visit ************************************* JOB OVERVIEW The Associate Credit Analyst is responsible for opening new customer accounts as well as providing reporting and analysis to the Credit department at Callaway Golf. This involves collecting credit applications and associated documentation for new account set ups as well as periodic reviews. A successful candidate will be comfortable interacting with internal/external customers as well as financial institutions. This position reports back to the management on all financial responsibilities/tasks. ROLES AND RESPONSIBILITIES Conduct thorough investigations into credit and financial information to assess customer eligibility for credit terms. Review accuracy and verify completeness of required documentation from customers seeking credit terms Gathers trade and financial data utilized for the extension of credit lines and annual reviews. Provides analysis and recommendations on trade and financial data. Analyze customer credit information and provide recommendations on credit limits and risk exposure for existing customers Assist in the research and analysis of complex ownership issues. Communicates with financial institutions, sales representatives, and customers. Handles new account set up process within SAP. Maintains credit files in the document management system. Maintains and processes customer master file changes. Review and process customer master file changes, ensuring compliance with company policies. Manages E-document processes and reporting. Create and update various reports as requested by management. Maintain customer principal master spreadsheet. Follows Global and Local Credit policies and maintains controls documented through the Sarbanes-Oxley process. Assist with sales tax compliance and participate in corporate projects and process improvement initiatives.. Support corporate projects and initiatives. Assists with gathering financial data. Provide analysis and insight on credit information based upon risk verses the impact to sales. Create and provide insight on various credit metrics for different roles within the credit department. Facilitate projects to improve processes and meet business needs. Manage the collection agency placement and reporting. Assist in developing Company credit risk policies and procedures. Report on large and/or long-term payment plans. TECHNICAL COMPETENCIES (Knowledge, Skills & Abilities) Ability to understand and analyze financial statements. Basic understanding of financial reporting. Excellent verbal and written communication skills. Strong organizational skills and ability to multi-task well. Detail oriented. Ability to work independently and as a team player. Ability to work well with all levels of the organization in fast paced, dynamic environment. Ability to navigate through ambiguity, collaborate successfully with others on a cross-functional basis, coordinate multiple project assignments simultaneously in a deadline-driven environment, accepting ownership and accountability of the process and deliver on commitments. Proficiency in Working knowledge of Excel, Word, PowerPoint. Knowledge of SAP a plus Professionalism and high level of discretion are required. EDUCATION AND EXPERIENCE A bachelor's degree in business, Accounting, Finance, Economics, or related degree preferred. Minimum 1-year related experience. Basic working knowledge of U.S. Generally Accepted Accounting Principles (GAAP). DE&I and EEOC: Inclusion & Diversity: As a purpose-led, performance driven company, we strive to foster a culture of belonging based on respect, connection, openness and authenticity. We are committed to building and maintaining a workplace that celebrates the diversity of our associates, supporting them to bring their authentic selves to work every day. If your experience is close to what we're looking for, please consider applying. Experience comes in many forms, skills are transferable, and passion goes a long way. We know that diverse backgrounds and experiences make for the best problem-solving and creative thinking, which is why we're dedicated to adding new perspectives to the team and encourage everyone to apply. We look forward to learning more about you. ARE YOU READY TO MAKE THE TURN? APPLY TODAY! 23.32 - 29.14 - 34.95 USD Hourly

Credit Analyst - (250000PG) Description Who We AreThrough our service brands Hyundai Motor Finance, Genesis Finance, and Kia Finance, Hyundai Capital America offers a wide range of financial products tailored to meet the needs of Hyundai, Genesis, and Kia customers and dealerships. We provide vehicle financing, leasing, subscription, and insurance solutions to over 2 million consumers and businesses. Embodying our commitment to grow, innovate, and diversify, we strive to reimagine the customer and dealer experience and launch innovative new products that broaden our market reach. We believe that success comes from within and are proud to support our team members through skill development and career advancement. Hyundai Capital America is an Equal Opportunity Employer committed to creating a diverse and inclusive culture for our workforce. We are a values-driven company dedicated to supporting both internal and external communities through volunteering, philanthropy, and the empowerment of our Employee Resource Groups. Together, we strive to be the leader in financing freedom of movement. We Take Care of Our PeopleAlong with competitive pay, as an employee of HCA, you are eligible for the following benefits:· Medical, Dental and Vision plans that include no-cost and low-cost plan options· Immediate 401(k) matching and vesting· Vehicle purchase and lease discounts plus monthly vehicle allowances· Paid Volunteer Time Off with company donation to a charity of your choice· Tuition reimbursement What to ExpectThe Associate, Consumer Credit is responsible for underwriting consumer applications from Hyundai, Kia and Genesis Dealers. This position is responsible for making credit decisions that meet acceptable underwriting standards within HCA's policies and procedures as well as adhering to all State and Federal regulatory compliance. All Credit Analyst responsibilities should be handled in an expeditious manner per HCA's KPI's. This position requires flexibility and ability to adapt to a multi-functional departmental structure. All positions within the Operations Division are expected to collaborate cross-divisionally to achieve a seamless customer experience; this includes supporting other departments as necessary to meet the business need. What You Will Do1. Analyze information from credit applications utilizing the four C's of credit to make sound credit decisions based on appropriate authority level, while effectively negotiating the terms and conditions of loan decisions via dealer phone calls or electronic rehash. 2. Balance the demands of Production, Sales Support, Risk, and Quality Assessments while maintaining established SLA's. Participate in team meetings and Calibrations to communicate, share trends, review Policies & Procedures and team goals. 3. Follow up for approvals and pending contracts to increase capture rate and monitor dealer's portfolio. Be well versed in eContract and eRehash processes. Conduct Customer Interviews and investigations when needed to facilitate in credit decisions or assist in the funding process. Coach and assist dealers to resolve funding issues and reduce unclean contracts. 4. Performance Coaching: Actively participate in coaching and development sessions/trainings to co-create solutions that enhance individual performance and overall department/team performance. 5. Perform all other duties as assigned. Qualifications What You Will Bring· Minimum 1-year automotive finance experience (Desirable)· Experience with Collections, Funding, Dealer Services, Lease end or Customer Service (Desirable)· Auto finance or related background is preferred· 2 years of experience in fast paced office environment· Experience with Dealer operations or Sales (Desirable)· High school graduate (GED), College Degree preferred· Strong verbal, written and interpersonal skills· Analytical with high attention to detail· Self- starter with excellent time management skills· Well versed on company product offerings, reporting and measurement systems· Ability to negotiate, influence and collaborate both with customers and associates Work EnvironmentEmployees in this class are subject to extended periods of sitting, standing, and walking, vision to monitor and moderate noise levels. Work is performed in an office environment. This position requires flexibility with schedule to include weekends, evenings and holidays. The posted salary range for this job takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; geographic location, and other business and organizational needs. Successful candidates may be hired anywhere in the salary range based on these factors. It is uncommon to hire candidates at or near the top of the range. California Privacy NoticeThis notice only applies to our applicants who reside in the State of California. The latest version of our Privacy Policy can be found here. This Privacy Policy provides you with notice, at or before the point of collection, about the categories of personal information to be collected from you, the purposes for which your personal information is collected or used, and whether that information is sold or shared, so that you can exercise meaningful control over our use of your personal information. We are providing this notice to comply with the California Consumer Privacy Act of 2018, as amended as amended by the California Privacy Rights Act of 2020 (“CCPA”). If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at Privacy2@hcs. com. Primary Location: United States-California-IrvineWork Locations: Headquarters 1 3161 Michelson Dr. Ste 1900 Irvine 92612Job: Underwriting Op. Job Type: RegularOvertime Status: Non-exempt Schedule: Full-time Minimum Salary: $48,552. 00Maximum Salary: $72,828. 00Job Posting: Dec 10, 2025

Duties and Responsibilities: * Responsible for investigating, tracking, and evaluation the initial review and credit line recommendation for all KMFC Dealer Applications applying for a floor plan line of credit. * Responsible for the analysis, evaluation, and review of complex Buy-Sell agreements, entity organizational structures, and understanding lines of ownership structure (individual & corporate), and making recommendations to seek additional information and/or a course of action to resolve pending applications. * Conducts annual dealer credit reviews to ensure credit line requirements are appropriately balanced against credit risk. * Maintains current knowledge base of economic trends in industry to predict probable success of new dealers. * Evaluates results of investigations, prepares reports of findings, and suggests credit limitations to management. * Directs the investigation and accumulation of information to help determine credit lines and/or new dealership applications. * Develops ratios to determine financial condition of selected dealers. * Maintains database of financial statements and information. * Oversees and verifies accumulated financial information and makes educated recommendations for credit lines. Education and Experience: Bachelor's degree (BA/BS) or equivalent from four-year college is required; and minimum three years related experience and/or training in a credit analysis environment; or equivalent combination of education and experience. Skills and Qualifications: To perform this job successfully, you must be able to perform each essential duty satisfactorily. The items listed below are representative of the knowledge, skill, and/or ability required. * Exhibits excellent oral and written communication skills. * Demonstrates the ability to successfully prioritize and organize multiple, competing tasks. * Is extremely detail and deadline oriented. * Brings energy and enthusiasm to group or team efforts. * Has solid knowledge and experience working with Microsoft's Word, Excel, PowerPoint and Access software. Salary: $75,000 - $80,000

Job Description Credit Analyst Annual Salary Range $58,000 - $72,500 , Base salary plus bonus. LendSure Mortgage Corp is looking for a Credit Analyst to work out of our San Diego CA Office. This job is 100% on site. LendSure Mortgage Corp. is a fast-growing Wholesale Lender offering Non-QM loan solutions. LendSure helps mortgage originators grow their business by offering loan solutions to borrowers who do not fall into conforming guidelines. At LendSure Mortgage Corp., we have created an environment where high-energy professionals can learn, excel, grow, and feel great about their contributions to our success. LendSure is committed to attracting and retaining top talent throughout the United States and offers a competitive salary, benefits, and opportunities to grow within the company. Position Summary: The Credit Analyst is responsible for reviewing mortgage pre-qualification submissions on incoming applicants. Completing within internal processes and policies, as well as reviewing and verifying supporting documentation as submitted by Mortgage Brokers. Duties include: Review and analyze documentation provided on each loan for pre-qualification, ensuring meets LendSure guidance. Prep and submit files for initial disclosures Review documentation, prep, and submit files for initial Underwriting approval. Ability to review and complete complex tax return analysis. Ability to perform duties under minimal supervision and actively engage with the supervisor to resolve complicated issues Ability to review and clear high-level conditions within the authority. Ability to communicate effectively in both verbal and written form Must be a detail-oriented team player able to work constructively with fellow employees. partnering with underwriting team, doc and funding department, Quality Control and Senior Management Strong time management skills to plan and organize a high daily loan volume Understanding of Account Manager role and provide support as needed. Qualifications: 2 years underwriting experience, Non-QM preferred. 3 years processing experience preferred. Rendering credit decisions on incoming applicants that are consistent with internal policies, underwriting mortgage commitments, and verifying supporting documentation as submitted by a mortgage broker. Strong knowledge of underwriting terminology. Strong attention to detail and accuracy. Strong written and verbal communication skills with the ability to talk with brokers and Loan Officers. In-depth knowledge of the real estate industry and current trends. Understanding how to read guidelines. Working knowledge of Encompass Loan Origination System preferred This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

ABOUT THE BRAND: Callaway Golf is the leading manufacturer of premium golf clubs, balls, performance gear and accessories worldwide. Through an unwavering commitment to innovation, we push the limits of performance and create demonstrably superior products designed to make every golfer a better golfer. Our company is a blend of experience and diverse backgrounds, and together we look to move the game forward, and we want top-notch people to join us in that mission! By joining Callaway Golf, you also join part of the portfolio of brands within Topgolf Callaway Brands, an unrivaled tech-enabled Modern Golf and active lifestyle company delivering leading golf equipment, apparel, and entertainment, with a portfolio of global brands including Topgolf, Callaway Golf, TravisMathew, Toptracer, Odyssey, OGIO, and World Golf Tour ("WGT"). "Modern Golf" is the dynamic and inclusive ecosystem that includes both on-course and off-course golf. For more information, please visit ************************************* JOB OVERVIEW The Associate Credit Analyst is responsible for opening new customer accounts as well as providing reporting and analysis to the Credit department at Callaway Golf. This involves collecting credit applications and associated documentation for new account set ups as well as periodic reviews. A successful candidate will be comfortable interacting with internal/external customers as well as financial institutions. This position reports back to the management on all financial responsibilities/tasks. ROLES AND RESPONSIBILITIES * Conduct thorough investigations into credit and financial information to assess customer eligibility for credit terms. * Review accuracy and verify completeness of required documentation from customers seeking credit terms * Gathers trade and financial data utilized for the extension of credit lines and annual reviews. * Provides analysis and recommendations on trade and financial data. * Analyze customer credit information and provide recommendations on credit limits and risk exposure for existing customers * Assist in the research and analysis of complex ownership issues. * Communicates with financial institutions, sales representatives, and customers. * Handles new account set up process within SAP. * Maintains credit files in the document management system. * Maintains and processes customer master file changes. Review and process customer master file changes, ensuring compliance with company policies. * Manages E-document processes and reporting. * Create and update various reports as requested by management. * Maintain customer principal master spreadsheet. * Follows Global and Local Credit policies and maintains controls documented through the Sarbanes-Oxley process. * Assist with sales tax compliance and participate in corporate projects and process improvement initiatives.. * Support corporate projects and initiatives. * Assists with gathering financial data. * Provide analysis and insight on credit information based upon risk verses the impact to sales. * Create and provide insight on various credit metrics for different roles within the credit department. * Facilitate projects to improve processes and meet business needs. * Manage the collection agency placement and reporting. * Assist in developing Company credit risk policies and procedures. * Report on large and/or long-term payment plans. TECHNICAL COMPETENCIES (Knowledge, Skills & Abilities) * Ability to understand and analyze financial statements. * Basic understanding of financial reporting. * Excellent verbal and written communication skills. * Strong organizational skills and ability to multi-task well. * Detail oriented. * Ability to work independently and as a team player. * Ability to work well with all levels of the organization in fast paced, dynamic environment. * Ability to navigate through ambiguity, collaborate successfully with others on a cross-functional basis, coordinate multiple project assignments simultaneously in a deadline-driven environment, accepting ownership and accountability of the process and deliver on commitments. * Proficiency in Working knowledge of Excel, Word, PowerPoint. * Knowledge of SAP a plus * Professionalism and high level of discretion are required. EDUCATION AND EXPERIENCE * A bachelor's degree in business, Accounting, Finance, Economics, or related degree preferred. * Minimum 1-year related experience. * Basic working knowledge of U.S. Generally Accepted Accounting Principles (GAAP). DE&I and EEOC: Inclusion & Diversity: As a purpose-led, performance driven company, we strive to foster a culture of belonging based on respect, connection, openness and authenticity. We are committed to building and maintaining a workplace that celebrates the diversity of our associates, supporting them to bring their authentic selves to work every day. If your experience is close to what we're looking for, please consider applying. Experience comes in many forms, skills are transferable, and passion goes a long way. We know that diverse backgrounds and experiences make for the best problem-solving and creative thinking, which is why we're dedicated to adding new perspectives to the team and encourage everyone to apply. We look forward to learning more about you. ARE YOU READY TO MAKE THE TURN? APPLY TODAY! 23.32 - 29.14 - 34.95 USD Hourly

Job Title: 2026 Commercial Banking Development Program - Credit Analyst - San Diego, CA - Juris Banking What you'll do: As a Credit Analyst you'll be primarily responsible to spread, manage and maintain financial background information on present and prospective customers, and develop credit studies for the Loan Officers, Chief Credit Officer and other Executive Management. You'll manage spread assignments, conduct financial analyses, and maintain related records and files. One of your key responsibilities is the preparation of a variety of credit department reports. Responsible for supporting the Credit Administration team in analyzing credit and collateral information to determine risk involved in lending money to customers. Collecting, organizing, analyzing company financials to ensure Bank compliance, and updates the Bank's systems accordingly. Work directly with clients to resolve compliance issues and operational inquiries. Review client financials and perform sensitivity analysis to evaluate credit risk in connection with Bank structures. Prepare in-depth reports providing plans of action based on qualitative and quantitative research. Collaborate cross-functionally with Bank groups to execute treasury management products, foreign exchange instruments, derivatives as well as legal documents. Produce loan packages for new and restructured loans. Facilitate reporting and requests on behalf of the Bank with third parties, e.g. field auditors, appraisers, etc. Monitor loan disbursements to ensure compliance with Bank regulations. What you'll need: Completion of an Accounting course. Bachelor's degree or equivalent experience required. GPA of 3.0 or higher is required. Strong analytical, conceptual, communication, leadership, and organizational skills. An interest in working in Commercial Banking. Ability to self-motivate and work productively without supervision. Entry level speaking and writing communications skills. Compensation: Hourly range for new hires is generally $33.40 for San Diego, CA. Salary amount is determined by specific job location. In addition, the role may be eligible for annual bonus/incentives earned. Benefits you'll love: We offer all the important things you'd want - like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career! About the company: Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC. AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email ************************** or call ************. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process. © Western Alliance Bancorporation

Job Description The Role: SVP, Senior Credit Manager Reports To: Chief Credit Officer Make a Difference Where It Matters Most At CalPrivate Bank, we believe banking is personal. We have deep roots in the communities we serve, and our client relationships are built on genuine care, thoughtful problem-solving, and unwavering integrity. Our solutions-based service, paired with best-in-class talent, sets us apart in the market, but it's trust that defines who we are. It's our gold standard, the currency we trade in, and the foundation of every decision we make. We're looking for leaders who want more than a title. We're looking for team players who want to make an impact. If you're driven to lead with purpose, ready to shape the future and have meaningful impact at a relationship-centered bank, CalPrivate Bank may be the place for you. Your Opportunity: Senior Credit Manager The Senior Credit Manager plays a pivotal role in growing the loan portfolio in a prudent manner, structuring mutually beneficial loan solutions, and operational excellence leading the team of Credit Managers. The Senior Credit Manager leads the Bank's Credit Management function, overseeing a team responsible for underwriting, structuring, and approving commercial loan transactions within delegated authority. This role ensures credit quality, production efficiency, and consistent application of credit standards across Commercial Real Estate (CRE), Commercial & Industrial (C&I), and SBA lending. The Senior Credit Manager plays a central role in supporting loan origination, approval, closing, collateralization, and ongoing credit administration. The position also designs and administers the Bank's credit training program to ensure strong credit competencies across lenders, analysts, and credit staff and reinforcing the Board's and Chief Credit Officer's (CCO) vision for exceptional credit quality, strategic growth, and operational efficiency. The Senior Credit Manager acts as a mentor, technical expert, and solutionist-helping teams execute effectively, grow the loan portfolio, and efficiently mitigate transaction level risk within the commercial and SBA loan portfolios. This position also serves as a bridge between the Market Leaders, Relationship Managers, Client Service teammates and ensure alignment, communication, and progress toward the Bank's strategic goals. What You'll Do Commercial and SBA Loan Approval and Origination Lead credit approval activities related to CRE, C&I, and SBA segments to ensure credit quality, compliance, and growth objectives are met. Approve commercial loan transactions within delegated authority, ensuring compliance with policy, risk appetite, and regulatory expectations. Manage Credit Manager team and ensure an efficient and organized organization function. Guide credit managers and underwriters in analyzing borrower financials, cash flows, collateral, structure, and conditions for CRE, C&I, and SBA loan requests. Safeguard credit quality by providing direction on risk ratings, covenants, underwriting standards, and policy exceptions. Support lenders and credit managers in developing optimal loan structures that balance client needs, credit soundness, and bank profitability. Partner closely with loan operations, closing teams, and collateral departments to ensure accurate documentation, perfection of liens, and smooth loan closings. Review and resolve structural, documentation, or collateral-related issues throughout the approval and closing process. Collaborate with the CCO, loan committees, and senior leadership on complex or high-risk transactions. Collaborate with other department leaders with compiling recurring reports to monitor overall credit quality and development of the quarterly CECL calculation and supporting documentation. Partner with Client Services department to manage, monitor, and ensure timely payments, collections, and management of maturing loans. Technology & Process Optimization Champion the use of technology (including nCino, CoStar, IBISWorld, portfolio analytics, and workflow tools) to increase efficiency, accuracy, and scalability. Partner with internal and third party technological and product teams for development and continuous improvement of portfolio management processes, credit workflows, and risk monitoring systems. Implement automation, reporting enhancements, and data-driven decision tools to support real-time portfolio insights. Ensure departmental procedures, templates, procedures, and processes are well documented, refreshed as needed, and changes communicated to all applicable parties with training delivered as needed. Support development and refinement of credit policies, underwriting guidelines, and approval processes. Ensure uniform application of credit procedures and adherence to regulatory expectations. Contribute to reporting and analytics on credit pipeline, quality, turnaround times, and portfolio trends. Assist with internal audits, regulatory exams, and loan review engagements as needed. Leadership, Development, and Accountability Deliver structured onboarding, working with new hires to guide them through CalPrivate systems, processes, and forms, fostering confidence and consistency. Provide structured coaching and personalized feedback to reinforce accountability, high quality and risk focused analysis, and a production-oriented culture. Establish and maintain performance standards for each member of the Portfolio Management team. Collaborate within and cross departmentally to ensure processes and procedure development incorporates consideration of other team members and departments Promote a culture of accountability, teamwork, and continuous improvement across all banking markets. Design, implement, and administer a comprehensive credit training program for credit managers, underwriters, lenders, and analysts. Develop curriculum covering financial analysis, risk rating, cash-flow lending, deal structuring, regulatory requirements, and portfolio risk principles. Drive continuous skill development and competency assessment across the credit organization. Ensure training supports consistent application of underwriting and risk assessment standards. Who You Are Experience & Expertise 15+ years of progressive experience in lending, commercial credit, loan structuring, collateralization, loan processing, and leadership. 10+ years in a management or coaching role, with proven ability to grow loans safely, drive efficiencies, and promote accountability while developing high-performing teams. Strong background in loan structuring, risk identification, cash flow analysis, collateral analysis, and problem loan resolution. Expertise with nCino, Co-Star, IBIS, and/or similar loan management platforms and analytical tools to streamline credit analysis, collateral analysis, and loan growth. Strong analytical, organizational, and communication skills, with the ability to influence and align across markets and departments. Proven success in reinforcing a disciplined, performance-driven credit culture. Bachelor's degree in Business, Finance, or related field preferred. Mindset & Values You lead with accountability, integrity, and consistency. You thrive in a collaborative environment where transparency and follow-through matter. You model professionalism, calm under pressure, and a solutions-oriented mindset. You embrace data-driven decision-making while maintaining a client-first perspective. You embody CalPrivate's culture, heart for client experience, excellence in service, and deep commitment to the Bank and its people. Physical Demands Requires 50% travel between regional offices to support team members, clients, and cross-functional initiatives. Ability to sit or stand for extended periods of time. Ability to physically use a keyboard/mouse Ability to walk to and from workstations Ability to frequently lift and/or move up to 10lbs and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus Why CalPrivate Bank? This isn't just another bank job. At CalPrivate Bank, you will be part of something bigger. Our day-to-day operations and projects don't just impact a balance sheet, they influence real people, real businesses, and the communities we proudly serve. We are guided by our commitment to relationships, solutions, and trust. And we're building a team of people who reflect those values in everything they do. If you're looking for a place where your work will matter, your ideas will be valued, and your growth will be supported, welcome to CalPrivate Bank! Ready to lead with purpose?

Location: Irvine, CA Job Type: Full-Time | Non-Exempt | Hybrid Eligible Salary Range: $30 - $35/hour Commercial Bank of California (CBC) is the largest Latino-owned bank in California and a certified Minority Depository Institution (MDI). Headquartered in Irvine and founded in 2003, CBC is one of the largest privately held banks in the state, with over $3.5 billion in assets as of December 2024. We are a purpose-driven financial institution committed to building long-term relationships and delivering innovative, personalized banking solutions. Our leadership reflects the diverse communities we serve, and our mission is rooted in empowering entrepreneurs, business owners, and community leaders to thrive. As a certified MDI, CBC is proud to play a vital role in advancing financial inclusion and economic opportunity. We believe in a higher vision for banking-one that prioritizes trust, collaboration, and community impact. Join us and be part of a team that's redefining what it means to be a community-focused, relationship-driven bank that puts people over profits. Job Summary We are seeking a detail-oriented and motivated Credit Analyst to join the Credit Department at Commercial Bank of California (CBC). This role is ideal for individuals looking to grow their career in commercial banking and credit analysis while supporting CBC's mission to deliver exceptional financial solutions and promote Life Wealth for our clients and communities. As a Credit Analyst, you will play a critical role in the underwriting and portfolio management process by conducting credit investigations, preparing financial analyses, and ensuring compliance with CBC's lending policies and regulatory standards. You will analyze credit data and financial statements to assess risk and determine creditworthiness for lending decisions. Your insights and recommendations will directly influence CBC's lending strategies and contribute to the bank's overall financial health. This position requires strong analytical skills, attention to detail, and the ability to collaborate across departments in a fast-paced environment. By joining CBC, you will help uphold our commitment to integrity, client success, and community-driven banking. Essential Duties and Responsibilities Credit Investigation and Analysis Conduct thorough credit investigations and evaluations to determine the creditworthiness of commercial and consumer loan applicants. Review credit histories by obtaining reports from reputable sources and references. Prepare financial spreads and assist in the development of credit presentations. Analyze information and prepare credit write-ups for new loans and renewals as requested by lending officers. Establish and Maintain Credit Files Ensure all customer credit documentation-including loan applications, financial statements, tax returns, credit reports, and account information-is complete and up to date. Maintain accurate and organized credit files in compliance with internal policies. Monitor and update financial statements to ensure they remain current and meet loan agreement requirements. Monitor Existing Credit Relationships Track existing credit lines to ensure compliance with loan terms and covenants. Review maturing loan reports and coordinate with account officers regarding renewals. Prepare renewal notifications and request updated financial information from customers. Identify and report covenant violations promptly and recommend appropriate actions. Evaluate loans for changes in risk and assist in risk rating adjustments. Support collateral reviews and audits for asset-based lending relationships. Additional Responsibilities Collaborate with other credit analysts on special projects and process improvements. Organize and manage loan files for storage and retrieval, including electronic records. Coordinate with internal departments to facilitate loan documentation and closings. Participate in training sessions and assist in educating staff on compliance and sound lending practices. Perform other duties as assigned to support credit and lending operations. Minimum Qualifications These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. Bachelor's degree in Finance, Accounting, Economics, or a related field. 1-2 years of experience in credit analysis or a related area. Strong analytical, organizational, negotiation, interpersonal and communication skills; positive attitude with team-player approach. Demonstrated ability to prioritize work assignments; detail oriented with flexibility in dealing with a changing work environment, customer service oriented and a strong sense of urgency. Computer literate in Windows, Word, Excel software. Benefits & Perks Competitive employer contribution to medical, dental and vision coverage 401k plan with employer match Flexible Spending Accounts (FSA) and Dependent Care Accounts Employee Assistance Program (EAP) Employer provided Calm subscription Employer provided mental health benefits through Teladoc Life, AD&D and disability insurance Minimum 15 Days of Vacation, 11 Paid Federal Holidays, Paid Time off to Volunteer Online discount program Tuition Reimbursement Program Join Our Team! Equal Employment Opportunity & Accommodations Commercial Bank of California is proud to be an Equal Employment Opportunity employer. We are committed to creating an inclusive environment for all employees and applicants. All qualified individuals will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, protected veteran status, or any other legally protected characteristic. We evaluate applicants fairly and equitably, including those with criminal histories, in accordance with applicable federal, state, and local laws. Commercial Bank of California is also committed to providing reasonable accommodations to individuals with disabilities. If you require a reasonable accommodation during the application or interview process, please contact us at ************ with the nature of your request and your contact information. Recruitment Policy Commercial Bank of California does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to CBC, either directly or indirectly, will be considered the property of Commercial Bank of California. We will not pay a fee for any placement resulting from the receipt of an unsolicited resume. To submit candidates for consideration, recruiting agencies must have a valid, written, and fully executed agreement with Commercial Bank of California. Without such an agreement in place, no agency submissions will be accepted or compensated.

Responsive recruiter Replies within 24 hours Role OverviewCore Services Group is seeking a mid-career Surface Warfare professional to support Commander, Naval Surface and Mine Warfighting Development Center (SMWDC) as a Capability, Assessment, Experimentation, and Future Requirements Analyst. In this role, you will help shape the future of the Surface Force by analyzing current and future naval capabilities needed by the next generation of Surface Warriors. You will develop strategic documentation and assessments to guide Navy acquisition, shape operational planning, and inform experimentation initiatives for Surface Force. Key Responsibilities:• Conduct capability assessments and gap analyses for surface warfare systems• Develop Project Objective Memorandum budget/funding issue papers, dual-use studies, and Concept of Operations documents that provide a cogent rationale for OPNAV senior leaders to determine allocation of funds. • Support the Navy acquisition community and Program Objective Memorandum process activities• Create technical documentation, including doctrine and tactics, techniques, and procedures• Participate in experimentation planning and future requirements development• Collaborate with acquisition professionals and operational communities• Prepare strategic assessments and recommendations for senior leadership Required Qualifications:• Current SECRET Security Clearance• 10+ years of experience as a Qualified Surface Warfare Officer (post-DIVO experience)• 5+ years of experience in technical writing, Project Objective Memorandum issue papers, dual-use studies, Concept of Operations, Concept of Employment, or similar documents• 3+ years of experience in the acquisition community or with the Government's Program Objective Memorandum process• 3+ years proficiency with Adobe Acrobat and Microsoft Office Suite Applications (PowerPoint, Excel, Word, Teams, Outlook, SharePoint)• 3+ years of experience in technical writing, developing doctrine or tactics, techniques, and procedures Preferred Qualifications:• Weapons Tactics Instructor qualification (Anti-Air Warfare, Anti-Submarine Warfare/Surface Warfare, Integrated Air and Missile Defense)• Aviation Officer Qualification acceptable • LDO or Warrant Officers with equivalent certifications Compensation: $100,000.00 - $135,000.00 per year Overview A Service Disabled Veteran Owned Small Business, Core Services Group was founded in response to an emergent need for robust analytical evaluation of Navy tactical airborne electronic countermeasures systems. Core Services Group combines Naval and Joint Operational Expertise with the rigorous systems engineering methodologies of the Naval Aviation, Nuclear Power and Operational Evaluation communities to deliver quality and extremely cost effective analytical solutions to the Fleet and Systems Commands. Website ********************************* Industry Defense and Space Manufacturing Company size 11-50 employees Includes members with current employer listed as Core Services Group, Inc., including part-time roles. Headquarters Virginia Beach, VA Founded 2009 Specialties Systems Engineering, Program Management, Operational test and evaluation design and analysis, Operational Support, Readiness Analysis & Reporting, and Doctrine Development

**About the Role:** Responsible for the review, analysis, and evaluation of credit data for commercial loans. This is an entry level, learning/development role. + Responsible for collection of financial information and conducting analysis by generating, running, and utilizing system-generated reports. + Works with clients and Commercial Relationship Managers to analyze loan needs and options available to meet clients' financial goals. + Spreads financial statements and related information to financial spreadsheets and/or software programs for analysis. + Analyzes Accounts Receivable, Inventory and other collateral information to determine adequate collateral coverage for Asset Based loans. + Analyzes financial data related to new and renewal commercial loan requests, including lines of credit, asset-based lines, equipment financing loans and/or commercial real estate loans. + Conducts credit investigations and prepares credit approval reports and summarizes credit. + Monitors existing loans to ensure complete conformity with terms. + Presents facts and offers opinions to Commercial Relationship Managers concerning applicant's credit worthiness. + Complies with all Federal, State, and local laws/regulations as applicable. + Provide exemplary customer service to internal and external clients. + Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. + Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training. + Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description. + May be asked to coach, mentor, or train others and teach coursework as subject matter expert. + Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words. + Takes personal initiative and is a positive example for others to emulate. + Embraces our vision to become "Business Bank of Choice" + May perform other duties as assigned. **About You:** Education Experience + Less than 1 years - of relevant credit analysis, underwriting experience, commercial or consumer lending experience (Required) Skills + Basic analytical and problem-solving skills. + Strong written and verbal communications skills. + Basic understanding of banking and credit administration environments + Basic credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience. + Basic knowledge of credit policies, procedures, practices and documentation. + Basic understanding of personal and business financial statements and tax returns. + Basic knowledge of loan documentation and collateral perfection. + Ability to learn loan origination, financial spreading, and other banking software. + Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships. + Proficiency with personal computers and related software packages such as Word and Excel, and other business machines. Travel Requirements + Occasional The pay range for this role is $[Position/Area Minimum to Position/Area 1.2 Compa Ratio]. The pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation, and those details will be provided during the recruitment process. **Primary Location:** Ability to work fully onsite at posted location(s). 17901 Von Karman Avenue Suite 700 Irvine CA 92614 **Our Benefits:** We are proud to offer a competitive total rewards package including base wages and comprehensive benefits. We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an employee assistance program, life insurance, disability insurance, tuition assistance, mental health resources, identity theft protection, legal support, auto and home insurance, pet insurance, access to an online discount marketplace, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly. **Our Commitment to Diversity:** Columbia Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics. If you require an accommodation to complete the application or interview(s), please let us know by email: ************************ . **To Staffing and Recruiting Agencies:** Our posted job opportunities are only intended for individuals seeking employment at Columbia Bank. Columbia Bank does not accept unsolicited resumes or applications from agencies and Columbia Bank will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.

The Credit Officer II is responsible for assisting Commercial, C&I, SBA, Real Estate Lending, Consumer and Commercial Equipment Leasing with credit underwriting and analysis of loan requests and preparation of written loan submissions. Conducts credit analyses including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and portfolios. Make recommendations and/or decisions regarding the extension of credit. Investigates and analyzes credit. Monitors customer accounts and loan portfolios in order to maximize credit quality and minimize risk and potential loss. Prepares and presents credit files to committees for use in the making of lending decisions on new, renewal and extension loans. Maintains control over the credit standings of accounts and furnishes information relative to credit inquiries, as appropriate. Ensures compliance with established Bank policies and procedures. Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: GLBA (Gramm-Leach-Bliley Act), Regulation Z (Truth in Lending Act), Regulation DD (Truth in Savings Act) Regulation B (Equal Credit Opportunity Act), Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd Frank Act), Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act. REQUIRED DUTIES 1. Assists with credit presentations to include financial statement spreads, covenant testing, collateral analysis, obligor/facility ratings, cash flow analysis, relationship exposure, and underwriting. 2. Actively evaluates property, sponsorship, global cash flow (using Company approved software) /contingent liability of the loan/guarantor on a deal by deal basis. 3. Conducts site visits, meetings, and interviews with borrowers. 4. Prepares file approval memorandums summarizing results and validates Credit Risk Ratings in compliance with the Company's policy and procedures. 5. Monitors delinquencies, covenant compliance, etc. 6. Provides direct support to Senior Credit Officers/Credit Manager to develop and analyze all relevant credit information in conjunction with account officers pertaining to more complex commercial and business loans 7. Makes recommendations for approval or non-approval. 8. Works with processing/funding to ensure accurate flow of information in documents to provide efficient closing of loan funding. 9. Attends, prepares and presents new and additional credit proposals in loan committee meetings. 10. Tracks credit package completions. 11. Requests re-documentation of loans that have undergone name, organizational or address changes. 12. Assists in preparation of loan approval document such as account numbers, balances and entities. 13. Provides customer service including meeting and greeting customers in person and on the phone. 14. Proficiency in analyzing business and individual tax returns/financial statements to identify recurring and non-recurring sources of cash flow (identification of cash versus non cash income on K-1 statements, schedule E, etc.) 15. Preparation of basic and/or preliminary analysis on the Company and its Guarantors. Analyses shall identify the purpose of the loan, sources of repayment, appropriateness of proposed structure, risks and mitigants (financial, business and or industry) associated with the proposal. Candidates must also be able to track financial and reporting covenants that monitor the credit, mitigate risks and meet the bank's credit policy guidelines. 16. Performs thorough analysis of combined DSCR for underwriting of guarantors. 17. Proficiency in analyzing credit and other reports on companies and individuals. Conduct research on specific industries or companies. 18. Reviews formation documents for Borrowers. Determine appropriate Borrower signing authority. Candidates must be able to identify the requisite formation documents for different business entities (C-corp, Limited partnerships, General partnerships, Trusts, etc.) and be able to review such documents for accuracy. Order and review good standing certificates, UCC Searches and other applicable compliance documentations. 19. Reviews loan documentation for consistency and accuracy relative to the approved credit narratives and compliance with the Bank's credit guidelines. This requires working with the Borrower, Commercial Loan Operations, and in some instances, outside legal counsel. 20. Monitors existing credit facilities for financial and reporting covenant compliance. Preparation and continual review the compliance log to ensure updated financial information and covenant compliance. Notify Borrower and Guarantor of missing reports and non-compliance with terms of their Agreement. Correspond with Loan Monitoring Group and Credit Administration on recommended waivers, amendments, etc. Focus on early identification of problem loans and assist Portfolio Managers, Business Bankers and Credit Administration to take appropriate action. Candidates should understand risk ratings and be able to provide recommendations for changes in current rating. 21. Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions. 22. Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action. 23. Follows policies and procedures; completes tasks correctly and on time; supports the company's goals and values. 24. Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct. 25. Performs duties specific to the position and other functions as assigned. MINIMUM REQUIREMENTS These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. • Bachelor's degree and 4+ years of experience in commercial or SBA lending - specifically, property cash flow analysis and appraisal valuation methods. • Commercial or SBA analysis/underwriting experience a plus • Commercial business analysis skills (secondary to CRE analysis experience) a plus • Financial analysis experience of business or CRE investment financial statements, CRE investment tax returns and individual's financial statements and tax returns • The ability to present written credit memorandums in a clear, succinct manner, present credits to management/board loan committee. • Intermediate experience, knowledge and training in all lending activities and terminology. • Able to make a conclusive recommendation based on independent analysis • Able to handle multiple transactions at once and work well in a team-oriented environment • Strong customer service skills, relationship development and management skills • Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing and spreadsheet software programs. • Intermediate typing skills to meet production needs of the position. • Intermediate math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs. • Exceptional verbal, written and interpersonal communication skills, with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees. • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations. • Ability to work with no supervision while performing duties. Pay $68,900 - $113,300 per year. The salary reflects the full, reasonably expected salary range for this position. Salary is based on the candidate's current experience, education, skills, and abilities related to the position. Successful candidates may be eligible for bonus, stock, commissions, and incentives at the Company's sole discretion. We offer a comprehensive benefits package, which vary depending on the position ultimately offered. All employees are offered paid sick time off. Depending on the position offered, benefits packages may include vacation leave; paid holidays; medical, dental, vision, life and disability insurance packages for employees and dependents; various other voluntary benefit offers, and optional retirement accounts. We are an Equal Opportunity Employer. All applicants will receive consideration for employment without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, age, marital status, disability, gender identity, gender expression, genetic information, or military or Veteran status, or any other characteristic protected by law. The application window for this position is expected to close on April 21, 2026.

is based onsite in our San Diego, CA office. Mainstay Medical Mainstay Medical is a medical device company focused on marketing an innovative implantable neurostimulation system, ReActiv8 , for people with disabling chronic mechanical Low Back Pain. The company is headquartered in Dublin, Ireland, with subsidiaries operating in the United States, Australia, the United Kingdom, and Germany. The Role: The Senior Commercial Analyst will play a key role in leading the design, governance, and expansion of reporting ecosystems that serve as the single source of truth across all commercial functions-including Sales, Commercial Operations, Sales Training, Patient Access, Prior Authorization, Reimbursement, and Marketing. Position Responsibilities: Enterprise Reporting & Data Strategy Serve as the central authority for Commercial reporting across the organization. Define, standardize, and maintain KPIs across Sales, Patient Access, Reimbursement, Marketing, and related functions. Architect and execute dashboards, scorecards, and executive-level reports in collaboration with cross-functional stakeholders. Lead the transformation from manual reporting to automated, scalable, self-service analytics platforms (e.g., Power BI, Salesforce). Strategic Insights & Commercial Analytics Partner with Senior Leadership to deliver actionable insights that inform resource allocation, investment planning, and field execution. Conduct advanced analysis of claims, utilization, and access-related data to guide reimbursement strategy and global commercial effectiveness. Deliver business case evaluations for organizational investments, territory alignments, and headcount optimization. Qualifications: Bachelor's degree in Business, Analytics, Economics, Engineering, or related field. 6-10 years of experience in commercial analytics, business intelligence, or strategy- preferably in healthcare, pharma, life sciences, or payer/provider sectors. Demonstrated success leading cross-functional reporting or analytics teams or managing enterprise-level analytics projects. Experience interpreting claims and CMS datasets (highly desirable). Expert in data visualization tools - Power BI and Excel Experience with Salesforce, ERPs, data lakes/warehouses. (highly desirable) Strong understanding of commercial functions: sales planning, field performance, access & reimbursement, and patient journey analytics. The salary range for this position is $130,000 to $160,000/year; however, base pay offered will take into account a range of factors, including job-related knowledge, skills, and experience. The total compensation package includes a range of medical, dental, vision, financial, and other benefits, as well as equity. Mainstay Medical is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to gender, race, color, religious creed, national origin, age, sexual orientation, gender identity, physical or mental disability, and/or protected veteran status. Mainstay Medical participates in E-Verify.