Credit analyst jobs in Wisconsin - 140 jobs

We are looking for a skilled analyst to join our Business Banking team! Consider applying if you have experience in business lending, credit analysis, or trend analysis. As a Credit Analyst II, you will focus on the moderate to complex credit levels. This is a highly focused, back-office position where much of your work will be done independently. Position Summary: Contributes to the loan decision-making process and sound portfolio management by providing in-depth credit analysis on new and existing clients for Business Banking Officers and Loan Committees. Monitors loan files for adequate and current financial information and documentation. Understands and completes job responsibilities in accordance with federal and state regulations. Essential Functions: Credit Underwriting 80% Completes loan requests and reviews, focusing on moderate to complex credit levels Inputs information into financial spreading software and trend recognition Analyzes business and personal financial information, tax returns, and credit bureaus. Use this information to create cash flow analysis, trend ratios and collateral analysis to determine the overall risk to the Bank Identifies, requests, and tracks information needed to complete the credit analysis Identifies and reports areas of concern Ensures compliance with federal, state, and bank regulations Reviews loan file for proper documentation Real Estate Evaluation 15% Completes appraisal reviews Complete property evaluations on commercial and residential properties Performs site visits as needed Additional Duties & Responsibilities 5% Backs-up the Credit Officer in the preparation of various monthly and quarterly reports Assists the Credit Officer in preparation of business banking audits Serves as back-up Secretary to the Officer Loan Committee Serves as back-up Secretary to the Board Loan Committee Serves on bank committees as needed Participates in internal and external training and development opportunities as required Other job related duties necessary to carry out the responsibilities of the position Requirements Work Relationships and Scope: Works periodically with clients and works regularly with co-workers. Works regularly with highly confidential business and client information. Regularly participates in bank events. Provides basic training and mentorship to Credit Analyst Level I and other business banking functions. Performance Dimensions: Quality, accuracy, reliability, thoroughness and timeliness of work performed and services provided to clients and co-workers; strong attention to detail; highly organized; ability to take initiative; keeps Bank and client information confidential; demonstrates friendly and helpful approach and attitude toward internal and external clients. Effectively communicates and develops good working relationships with all co-workers and clients; professional workplace appearance and conduct; honesty and integrity in all client and co-worker communications; reliability in reporting to work regularly and on time; understands Bank loan policies and procedures and applicable state and federal regulations. Remains current in field and utilizes that information where practical; participates in training and appropriate professional development. Demonstrates professionalism, commitment to the job, and loyalty to the Bank. Knowledge, Skills and Abilities: A 4-year college degree in accounting, finance, business or equivalent experience preferred. Three to seven years of banking experience in business lending, credit analysis or trend analysis required. Must possess courteous and professional customer service attitude; excellent verbal and concise written communication skills; legible handwriting; ability to maintain the integrity of highly confidential client and Bank information. Must possess excellent mathematical skills up to and including projection analysis; strong computer skills, technical ability to input and retrieve computerized information; strong organization and follow-up skills. Must possess ability to deal effectively with aggressive time pressures and stress that can change hourly depending on level of client activity. Must possess effective problem solving and technical research skills. Must be a self-starter and independent thinker. Working Conditions: Work is performed largely in an office environment with minimal chance for personal injury. Occasional out-of-town and overnight business travel (air or auto) is required for business and education. Regular mental and visual concentration for computer usage required. Regular use of telephone; frequent repetitive use of keyboard for approximately 6 hours per day. Requires ability to receive and provide detailed information through verbal communication. Requires near and mid-range vision. Will alternate sitting, standing, and walking throughout work shift. Bend, turn, lift, and carry up to 10 pounds of documents and office supplies. Climb stairs. Hours of work are generally during regular business hours. There will be some variation in work hours due to special projects, deadlines, community events, and other concerns. Equipment Used: Operates personal computer in a Windows environment for word processing, spreadsheets, e-mail, internet, and other bank specific software. Operates Silverlake, core banking system, and Sageworks spreading software. Utilizes a variety of office equipment including computer printer, ten-key calculator, fax, copy machine, and multi-line telephone. EEO/AA Employer/Vets/Disability Salary Description $60,156.34 - $90,234.50 Per Year

We've been named a Top Place to Work for 16 years in a row...and we're hiring! As a Credit Analyst 1 at Bank Five Nine, you'll help #makelivesbetter by analyzing the financial health of businesses applying for commercial credit. Your work will play a key role in maintaining the quality of our commercial loan portfolio. This entry-level role is designed to teach you the ropes, with a focus on analyzing less complex loans and renewals. If you have a knack for numbers, love diving into details, and enjoy breaking down financial data, this is a great place to launch your finance career! Location: We will be considering candidates in Arizona, Texas, and Florida. General Responsibilities May Include: Analyzing credit data and financial statements of new and existing commercial loan customers to determine the degree of risk involved in extending credit or lending money. Preparing thorough, objective, and accurate loan presentations, illustrating the degree of risk involved in extending credit; assigning appropriate risk ratings. Analyzing requests for changes to collateral on existing loans Working closely with Commercial Lenders to gather relevant customer information for analysis. Must Haves: Bachelor's Degree in Finance, Accounting, Business, or equivalent experience. Strong understanding of accounting and/or finance concepts Knowledgeable of Microsoft Word and Excel. Possesses basic keyboarding skills and the ability to navigate in a Window's environment. Nice To Have, But Not Required: Minimum of 1 year experience in banking. Minimum of 6 months experience working with commercial credit or lending. Minimum of 6 months experience working with SBA credit or lending. Bank Five Nine is an Equal Opportunity Employer and committed to the full inclusion of all qualified individuals.

Old National Bank has been serving clients and communities since 1834. With over $70 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. As a trusted partner, we thrive on helping our clients achieve their goals and dreams, and we are committed to social responsibility and investing in our communities through volunteering and charitable giving. We continually seek highly motivated and talented individuals as our people are critical to our success. In return, we offer competitive compensation with our salary and incentive program, in addition to medical, dental, and vision insurance. 401K, continuing education opportunities and an employee assistance program are also included in our benefit suite. Old National also offers a variety of Impact Network Groups led by team members who are passionate about driving engagement, creating awareness of diverse backgrounds and experiences, and building inclusion across the organization. We offer a unique opportunity to join a growing, community and client-focused company that is firmly rooted in its core values. Responsibilities We are currently seeking a Senior Credit Officer that will be responsible for the daily activities of the Commercial Underwriters, maintaining an efficient workflow while promoting a collaborative experience between their direct reports, Relationship Managers, segment leadership, and other internal support areas. Within the Business Banking Credit Center (BBCC), the Senior Credit Officer oversees the underwriting of loan requests with aggregate exposures below $1 million. This individual will manage all activities of the BBCC UWs, which will include oversight of all analyst tasks and functions necessary to analyze, decision, and manage credit relationships in the Commercial portfolio, along with credit risk administration duties, orderly flow of credit approvals through the analysis process and productivity for all direct reports. Responsible to maintain loss ratios, accurately assess risk and assign the appropriate risk rating in an efficient manner following established underwriting guidelines and procedures. This position requires strong communication, leadership and critical thinking skills, thorough knowledge of industry and bank underwriting standards, and the confidence to make and support loan decisions We are an in-office working environment. This position can be located in one of the offices within our footprint. Salary Range The annual salary range for this position is $106,100 - $214,600. The base salary indicated for this position reflects the compensation range applicable to all levels of the role across the United States. Actual salary offers within this range may vary based on a number of factors, including the specific responsibilities of the position, the candidate's relevant skills and professional experience, educational qualifications, and geographic location. Key Accountabilities Ensure credit quality targets for the loan portfolio are met Ensure analyses of underwriters are appropriate and asset quality ratings are accurate Engage with Credit Strategy to leverage portfolio data and industry/market trends to provide administrative oversight of the Commercial loan portfolio Ensure compliance with established corporate standards for Commercial portfolio Understand the state of the loan portfolio, identifying areas of potential concern and growth opportunities Coach, develop and maintain a competent team of credit professionals Develop Underwriters through appropriate training to ensure analysis on credit approval memorandums is accurate, factually correct and meets bank requirements to make fully informed credit decisions Assist with evaluating, analyzing, and decisioning eligible loan applications while exercising granted loan authority in a responsible manner Lead and coach a team of credit professionals and successfully motivate direct reports to perform at a high level and achieve their own performance and career objectives Maintain and grow analytical skills and industry knowledge through internal and external training and development opportunities Maintain an environment that is collaborative, controlled, monitored, and efficient Collaborate with staff and production peers while executing the Bank's Commercial Strategy Empower team to engage with Commercial Relationship Managers, CBU Agents, and Documentation Specialists as applications progress through internal commercial lending processes and deploy problem solving and critical thinking skills as needed. Complete special projects at the direction of the Bank's credit administrators, which may include action and responses to OCC exams, internal audits, and loan review reports. Key Competencies for Position Develops Talent - Optimizes talent within business area to achieve goals Actively supports people development through formal programs as well as targeted stretch assignments Continuously evaluates talent within business area and is quick to take action to remove barriers and close talent gaps through effective feedback and coaching Cultivates an environment of trust and optimizes talents and capabilities within business area through a culture of continuous feedback and coaching Actively seeks to attract and retain best-in-class, diverse talent Makes Decisions & Solves Problems - Proactively sources and analyzes comprehensive data to define and solve complex business problems that leads to sound decisions Proactively analyzes and owns qualitative and quantitative data to define business areas problems and opportunities through effective collaboration Collaborates to compile information needed to create a sound approach by leveraging internal and external resources Considers business area, organizational, and individual realities along with impact on the business before developing solutions and makes sound business decisions based on a blend of analysis, wisdom, experience and judgment Creates plan to meet goals and objectives within business areas diminishing gaps and evaluating progress along the way allowing for adjustments Delights Clients - Builds a best-in-class client experience across the business area Fosters an environment where team members passionately serve internal/external clients with excellence Fosters a growth mindset by keeping current with development and trends in business area and sharing information to build knowledge base of business area and enhance client experience Understands data, metrics and/or financial information and how they tie to business outcomes related to client, business area and organization Fosters a culture of accountability within business areas where business area nurtures client relationships by listening, prioritizing and acting responsibly to meet client needs, mitigate risk and add shareholder value Qualifications and Education Requirements Bachelor's degree in Finance, Accounting, or related area or equivalent experience 10 or more years of experience as a Commercial Underwriter/Analyst or related positions Previous management or leadership experience preferred Ability to analyze and interpret financial statements and understand complex accounting principles Thorough knowledge of risks associated with all types of industries Thorough knowledge of loan structuring, borrowing causes and lending standards to ensure loan applications are evaluated efficiently, effectively, and in accordance with regulations Must possess (or willing to possess in short order) a deep understanding of ONB's Credit culture, loan policies, and loan guidelines and procedures with ability to property mitigate exceptions when granted. Demonstrated proficiency and attention to analysis utilizing qualitative and quantitative detail Old National is proud to be an equal opportunity employer focused on fostering an inclusive workplace and committed to hiring a workforce comprised of diverse backgrounds, cultures and thinking styles. As such, all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law. We do not accept resumes from external staffing agencies or independent recruiters for any of our openings unless we have an agreement signed by the Director of Talent Acquisition, SVP, to fill a specific position. Our culture is firmly rooted in our core values. We are optimistic. We are collaborative. We are inclusive. We are agile. We are ethical. We are Old National Bank. Join our team! 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The Accounting Specialist/Credit Manager plays a crucial role in ensuring that customers receive excellent service and support (‘an unmatched buying experience') through their buying process with Neu Tool. The Accounting Specialist / Credit Manager is responsible for managing accounts receivable, evaluating customer creditworthiness, and ensuring timely collection of outstanding balances. This role combines hands-on accounting duties with credit risk assessment to support the company's financial health and operational efficiency. Key Responsibilities Accounts Receivable & Collections Process customer statements, payments and payment applications. Monitor aging reports and follow up on past-due accounts. Maintain accurate customer account records and reconcile discrepancies. Resolve billing issues and coordinate corrections with internal departments. Credit Management Review and assess new and existing customer credit applications. Analyze credit reports, payment histories, and trade references. Establish appropriate credit limits and terms based on risk analysis. Monitor customer credit exposure and adjust terms as needed. Recommend or approve credit holds and release orders once issues are resolved. Financial & Reporting Duties Prepare AR and credit performance reports for management. Assist with month-end close activities related to AR, cash receipts, and bad debt reserves. Support audits by providing documentation and explanations as required. Customer Service & Internal Collaboration Communicate professionally with customers regarding account status, payments, disputes, and credit terms. Work closely with sales, operations, and finance teams to manage customer accounts and resolve issues. Provide guidance to internal stakeholders on credit policies and risk mitigation. Education & Experience Bachelor's degree in Accounting, Finance, Business, or related field preferred. 2+ years of experience in accounts receivable, credit management, or general accounting. Experience with ERP/accounting systems is a plus. Skills & Competencies Strong understanding of accounting principles and AR processes. Excellent analytical and credit evaluation skills. Proficiency in Excel and financial reporting tools. Strong communication, negotiation, and customer service skills. Ability to handle sensitive information with integrity and confidentiality. Detail-oriented with strong organizational and time-management abilities.

The Credit Balance Specialist plays a key role in supporting OS revenue cycle management projects. The successful candidate is responsible for resolving insurance and patient overpayments, undistributed payments, and requests for refunds. This involves researching insurance benefits, understanding coordination of benefits between payers, distributing/reapplying or transferring payments to the appropriate date of service/provider or account. Additionally responsible for updating account adjustments, generating refund requests, overpayment notifications according to client contract guidelines as well as state and federal insurance regulations.. SKILLS AND EXPERIENCE: Must have a minimum of one year revenue cycle AR knowledge. General understanding of accounting principles desired. Knowledge of medical insurance terminology, posting, and billing forms. Must be efficient, productive, and fast moving. Must be able make impactful decisions efficiently based on insurance and revenue cycle guidelines. Must have phenomenal organization and computer skills and be technically proficient in Microsoft software products including Word, Excel, and Outlook. Ability to handle multiple tasks simultaneously, meet time sensitive deadlines and organize workload with general supervision. Demonstrated ability to compose clear and accurate routine and non-routine correspondence.

Depending on experiences, this opportunity can range from Credit Analyst 1 or 2 status. Job Location: Milwaukee or Wausau, WI with potential for remote flexibility based on experiences and performance Hours: Monday-Friday 8:00 am - 5:00 pm Join Peoples State Bank as a Full-Time Credit Analyst 1 or 2 and immerse yourself in a world where numbers tell stories and your analytical skills shine! This is not just another desk job-it's your chance to dig into financial data, unravel credit mysteries, and play a pivotal role in helping our customers achieve their dreams. Collaborate with a dynamic team that values your insights and creativity while providing opportunities for growth and skill enhancement. Whether you're analyzing credit reports or building client relationships, every day brings a new adventure! You can enjoy great benefits such as Medical, Dental, Vision, 401(k), Life Insurance, Health Savings Account, Flexible Spending Account, Competitive Salary, Paid Time Off, Bank-wide Incentive Program, Birthday Day Off, Fresh Focus Day Off, Volunteer Paid Time Off, and and Paid Holidays. Step into a role that celebrates your passion for finance and allows you to contribute to a community-focused bank dedicated to making a difference. Hello, we're Peoples State Bank Peoples State Bank's vision is to "be a catalyst for growth with our customers." That starts with our employees, who are customer-focused in all that we do. Being honored by American Banker magazine as one of the "Best Banks to Work For" in America is a recognition our employees are incredibly proud of. They bring enthusiasm to do right by our customers every day. Peoples is an employer of choice in Wisconsin, providing exceptional benefits, flexibility, and teamwork that brings out the best in our employees. Your day to day as a Credit Analyst As a Credit Analyst, you'll be tasked with the exhilaration of diving deep into financial analysis reviews for commercial loan requests. Your keen eye will help you scrutinize historical operating performance, identifying strengths and weaknesses that shape our lending decisions. You'll collaborate closely with credit managers and loan officers, reporting your insightful findings and ensuring timely follow-ups on recommendations. Your expertise will be pivotal as you independently prepare loan packages, recommending either approval or denial based on your thorough assessments. This role offers you the unique opportunity to influence key financial decisions while contributing to our client's success stories. What we're looking for in a Credit Analyst To thrive as a Credit Analyst at Peoples State Bank, you'll need a solid foundation in business or finance, backed by a Bachelor's degree. For the Credit Analyst 1 role, commercial loan underwriting experience is a plus, while Credit Analyst 2 applicants should boast around three years in commercial credit analysis or lending. Success in this position hinges on your ability to juggle multiple tasks simultaneously while meeting deadlines. Your analytical mindset, exceptional organizational skills, and adept problem-solving abilities will be crucial as you navigate financial data. A high attention to detail, along with strong proofreading and editing skills, will ensure accuracy in your analyses. Finally, polished professional communication skills, both written and verbal, are essential in conveying your findings clearly, while proficiency in word processing and spreadsheet software will empower you to perform your best work. Knowledge and skills required for the position are: * Bachelor's degree in a business or finance field required, including specific courses in accounting, finance, and real estate. * Credit Analyst 1: Commercial loan underwriting experience is preferred. Credit Analyst 2: typically 3+ years experience in commercial credit analysis or lending. * Ability to manage multiple tasks simultaneously and meet deadlines. * Analytical, organizational, and problem-solving ability. High attention to detail and proof reading and editing skills. * Professional written & verbal communication skills. Working knowledge of various word processing and spreadsheet software. To learn more about why you should join Peoples State Bank, visit here: ******************************************* We are an Equal Opportunity Employer of Minorities, Females, Protected Veterans, and Individuals with Disabilities.

Benefits: 401(k) matching Opportunity for advancement Training & development We are seeking a motivated and detail-oriented individual to join our team as a Credit Analyst/Portfolio Manager. This role is designed as a developmental pathway into a future Lending position. The successful candidate will begin by supporting the credit and portfolio management functions, gaining deep insight into underwriting, risk assessment, and relationship management. Over time, and with demonstrated performance, the role will transition into direct lending responsibilities. Duties and Responsibilities Credit Analyst Duties (Initial Phase): Analyze financial statements, tax returns, and other relevant documents to assess creditworthiness. Prepare detailed credit presentations for loan requests. Assist in structuring loan terms and conditions in alignment with policy and risk appetite. Collaborate with lenders and loan operations to ensure timely and accurate loan processing. Participate in loan committee presentations and discussions. Completes reviews on all credit relationships as assigned, including a complete analysis of financial statements, collateral evaluation, payment history, risk rating review and any adverse industry or economic changes. Portfolio Manager Duties (Transitional Phase): Manage assigned loan portfolios, ensuring proactive communication with borrowers. Identify opportunities for portfolio growth and cross-selling of bank products. Support loan renewals, modifications, and annual reviews. Assist in managing delinquencies and workout strategies when necessary. Build relationships with clients and internal stakeholders to support long-term success. Contribute to strategic growth initiatives and community engagement. Focus on building a network of centers of influence and trusted referral sources. Shadow experienced lenders and participate in client meetings. Lending Development (Future Phase): Begin originating new loan opportunities. Develop a personal portfolio of clients and prospects. Miscellaneous: Participate in special projects or assignments as necessary. Perform other duties as required to fulfill the responsibilities of the position. Follow procedures and policies that ensure compliance with not only Bank policies and procedures, but also all applicable federal and state banking regulatory agency policies. Comply with bank standards for attendance and hours of work. Qualifications Education/Experience: Bachelor's degree from four-year college or university and/or relevant industry experience. Experience in credit analysis, banking, or financial services is strongly preferred. Strong analytical, communication, and organizational skills. Proficiency in financial modeling. Desire to grow into a client-facing lending role. Skills and Abilities: Adaptability: Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations. Attention to Detail: Regard for important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details. Change Management: Must embrace change and see change as opportunity. Must be willing to express and support management's ideas to affected staff. Customer Orientation: Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty. Oral/Written Communication: The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff. Professionalism: Project a positive image of the bank to all internal and external customers. Time Management: Ability to effectively manage one's time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks. Team Player: Must view oneself as part of an overall team. This includes supporting others throughout the entire bank to achieve the overall goals of the bank. Working 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. Travel: Valid driver's license required for travel to Bank offices, training sessions, customer meetings, Bank and community meetings, etc. Physical RequirementsThe 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. This in no way states or implies that these are the only duties to be performed by the employee occupying this position. Employees may be required to follow other job-related instructions and to perform other job-related duties as requested, subject to all applicable state and federal laws. Certain job functions described herein may be subjected to possible modification in accordance with applicable state and federal laws. There are different experiences that suggest other ways or circumstances where reasonable changes or accommodations are appropriate. All activities, demands, conditions, and requirements are linked to duties and responsibilities. Job Description subject to change at any time at the discretion of management. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Pay from $25 to $27 per hour Corporate Headquarters 12575 Uline Drive, Pleasant Prairie, WI 53158 Join our growing Finance team as a Credit Analyst evaluating financial health of a loan applicant, preparing reports, making credit decisions and recommending credit limits to our customers. Careers Packed with Potential. Backed by 45+ years of success, Uline offers opportunities to grow your career with stability you can count on. Position Responsibilities * Perform various analyses, including thorough reviews of financial statements and preparation of reports. * Assess signs of possible fraud to determine account validity and protect company assets. * Analyze a high volume of orders requiring credit review and answer 30+ incoming calls per day. * Meet daily release deadlines to ensure customer orders are processed accordingly. * Set and adjust credit limits based on customer requests and / or past payment experience. * Contact customers with past-due balances to determine cash flow status. * Handle email communication with customers and internal departments. Minimum Requirements * Bachelor's degree. * 2+ years experience in customer service, credit, collections or call center environment a plus. * Bilingual (English / Spanish / French) a plus. * Proficient in Microsoft Word and Excel. Benefits * Complete health insurance coverage and 401(k) with 6% employer match that starts day one! * Multiple bonus programs. * Paid holidays and generous paid time off. * Tuition Assistance Program that covers professional continuing education. Employee Perks * On-site café and first-class fitness center with complimentary personal trainers. * Over four miles of beautifully maintained walking trails. About Uline Uline, a family-owned company, is North America's leading distributor of shipping, industrial, and packaging materials with over 9,000 employees across 14 locations. Uline is a drug-free workplace. All new hires must complete a pre-employment hair follicle drug screening. All positions are on-site. EEO/AA Employer/Vet/Disabled #LI-LM5 #CORP (#IN-PPFINHRLY) #ZR-HQFINHR Our employees make the difference and we are committed to offering exceptional benefits and perks! Explore Uline.jobs to learn more!

Agriculture Credit Focus | Relationship Banking Security Financial Bank (SFB) is seeking an Agriculture Credit Analyst to support our agricultural lending teams. This role is heavily focused on agricultural credit analysis, working closely with relationship managers to evaluate farm operations, agribusinesses, and rural enterprises. The analyst plays a key role in assessing creditworthiness, understanding agricultural production cycles, and supporting sound lending decisions that strengthen both our customers and our communities. This position is an in-office role based out of the corporate location in Eau Claire, WI. Candidates with experience or education related to agriculture, ag finance, or agricultural lending are encouraged to apply. Why Join Us: At SFB, we don't just talk about relationship banking - we live it. We pride ourselves on delivering exceptional service and building lasting partnerships with our clients and teammates. When you join SFB, you become part of a team that offers: A consistent, daytime schedule A supportive, inclusive culture that recognizes your contributions Paid training and professional development opportunities Tuition support for finance/banking courses and certifications Comprehensive benefit package Paid volunteer time off & more! Position Summary: As an Agriculture Credit Analyst, your work will be centered on agricultural lending and include: Spreading and analyzing agricultural financial information, including farm financial statements, tax returns, cash flow projections, livestock and crop-related income, and pro-forma financial statements Evaluating agricultural operations and agribusinesses to determine overall credit risk and appropriate risk ratings in accordance with bank policy Preparing detailed loan presentations that reflect ag-specific risks, including production cycles, commodity price volatility, input costs, and market conditions Analyzing collateral structures related to agriculture, such as farmland, livestock, equipment, and ag real estate Supporting Relationship Managers with annual reviews, technical exception monitoring, and adverse action processes for agricultural relationships Staying current on agricultural industry trends, economic conditions, and SWOT factors that may impact farm customers and the bank's ag loan portfolio Working collaboratively with internal teams to ensure compliant, timely, and well-structured agricultural credits Qualifications What We're Looking For: Education & Experience Bachelor's degree in Finance, Accounting, Agribusiness, Agricultural Economics, or a related field preferred Prior experience in agricultural credit analysis, agricultural lending, farm management, or agribusiness strongly desired Agricultural Credit Knowledge & Skills Strong understanding of agricultural financial statements, cash flow analysis, and farm tax returns Knowledge of agricultural production cycles, commodity markets, and common farm business structures Ability to assess debt serviceability and creditworthiness for farm and ag-related operations with moderate to complex structures Familiarity with agricultural loan types, including operating lines, equipment loans, farmland financing, and ag real estate Skills & Abilities Strong analytical and problem-solving skills with attention to detail Effective written and verbal communication skills Proficiency in Microsoft Word, Excel, and spreadsheet-based financial analysis Ability to work independently and collaboratively as part of a team Ability to exercise sound judgment and maintain confidentiality Experience with SageWorks analysis software and Jack Henry core systems is a plus Working conditions, including physical requirements: This position is an in-office position that is performed largely within the Bank with limited chance of personal injury. Frequent mental and visual concentration required in managing deadlines and multiple priorities. Work hours are generally daytime hours Monday-Friday. Periodic stressful situations may occur due to competing deadlines and customer needs. Serves as a representative of the organization at appropriate functions and client visits. Who We Are: SFB is an independent community bank with eight branch locations and more than 140 employees. Since opening in 1934 in Durand, WI, we've built our reputation on trust, relationships, and community involvement. At SFB, you'll find a supportive, team-oriented workplace where your contributions matter and your professional growth is encouraged. At Security Financial Bank, we value diversity and are proud to be an Equal Opportunity Employer. We consider all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other protected characteristic. General Notice: This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability. This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.

At Nicolet National Bank, our culture is based on the principles of community banking, putting the needs of our customers at the forefront of our decision-making. Our Core Values drive everything we do, and we are committed to serving our customers with excellence. We believe that every job in our organization is critical to our success, and we are dedicated to creating a work environment where our employees feel valued, respected, and supported. With locations in Wisconsin, Michigan, Minnesota, and Florida we are proud to service our local communities and make a positive impact on the lives of our customers. At Nicolet National Bank, we believe that our people are our most valuable asset, and we are committed to investing in their growth and development. The Credit Analyst is responsible for analyzing credit information pertaining to commercial loans. The Credit Analyst prepares or assists in the preparation of credit reports for presentation to loan committee, furnishes information in relation to credit inquiries, conducts credit investigations, and provides assistance to the Commercial Lenders as requested. As a Credit Analyst, you will: Spread and make interpretive analysis of financial statements, to include historical analysis and financial forecasting using the Baker Hill Statement Analyzer software; Analyze sources of cash flow used for repayment and identify and evaluate cash flow and ratio trends; Identify and evaluate business and industry risks, management and collateral support. Prepare credit write-ups for presentation at credit committee meetings. Work closely with lending officers to ensure thorough underwriting and evaluation of business credit requests and ensure compliance with the bank's credit policy and lending regulations. Complete real estate evaluations for loans secured by real estate. Review commercial loans granted to ensure proper documentation is obtained, executed, and on file. Assist with the Loan Review function to ensure appropriate credit grading, including but not limited to credit analysis and documentation review. Assist in the preparation of monthly and quarterly loan reports for use by management and the Board of Directors. Monitor accounts receivable and inventory loans for adequate collateral coverage; monitor borrower compliance with loan covenants and financial reporting requirements; track and report results using the bank's exception tracking systems. Assist in monitoring loans for compliance with federal banking laws and regulations, regulatory guidelines, and the bank's lending policy; Identify non-compliance and monitor for correction of exceptions. Conduct and develop research projects useful to the lending function. Assist in the ongoing maintenance of all credit files, including filing of credit information and the purging of outdated information that is no longer needed in the credit files. Uphold Nicolet's philosophy and policies by maintaining appropriate controls to ensure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of services provided by Nicolet. Understand and communicate the value of diversity within the workplace and to work successfully with others without regard to age, gender, race, sexual orientation, ethnicity, culture, religion, disability status, socioeconomic status, or other non-job-related classification, including a commitment to Nicolet's policies on equal employment opportunities and non-discrimination with a willingness to pursue efforts of inclusion and respect toward different perspectives. Performs all other duties as assigned. Qualifications: Bachelor's degree in Finance, Business Administration, Accounting or Economics or equivalent work experience Benefits: Medical, Dental, Vision, & Life Insurance 401(k) with a company match PT0 & 11 1/2 Paid Holidays The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities and skills required for the position. Equal Opportunity Employer/Veterans/Disabled

Impact The Credit Analyst supports the company's distribution operations by evaluating customer creditworthiness, monitoring account performance, and managing credit risk across a high-volume customer base. This role ensures orders are released timely and responsibly, balancing customer service with sound financial judgment. NOTE: This is not a remote position, must work onsite at our corporate office in Green Bay, WI. Essential job functions Review and analyze customer credit applications, financial statements, credit reports, and trade references. Recommend credit limits and payment terms in accordance with company policy and industry risk standards. Partner closely with sales and the distribution/operations team to ensure timely order release while managing credit holds. Monitor open receivables and aging reports to identify late payments, credit concerns, or trends impacting cash flow. Communicate with customers to resolve billing discrepancies, payment issues, or collection needs. Maintain accurate customer credit files and update account information as needed. Support high-volume customer onboarding by processing credit evaluations quickly and accurately. Prepare periodic reports on credit exposure, past-due accounts, and risk assessments. Support continuous improvement efforts involving credit policies, order-to-cash processes, and internal controls. Ensure compliance with company financial policies and applicable regulations. Qualifications Associate or Bachelor's degree in Finance, Accounting, Business, or related field (or equivalent experience). Prior experience in credit analysis, accounts receivable, or financial/customer account evaluation-distribution or B2B environment preferred. Strong understanding of financial statements, credit scoring, and risk assessment. Proficiency with Microsoft Excel and ERP systems (experience with inventory/distribution systems a plus). Strong communication skills for working with customers, sales, and operations. High accuracy, strong organization, and ability to work in a fast-paced, deadline-driven environment. Ability to balance risk with customer service expectations. Handle multiple and concurrent tasks Willingness to learn quickly and adapt to change in a fast-paced environment Tactful and courteous relations with customers Positive attitude and work well in a team atmosphere Ability to work independently in the absence of immediate supervision Behavioral attributes A commitment to self-improvement The ability to embrace and continually adapt to change A positive attitude even when unexpected challenges arise A willingness to take responsibility and be accountable for achieving personal and team results Ability to foster a positive team environment ADA requirements Frequently required to sit; talk or hear and use hands to handle or touch objects or controls Regularly required to stand and walk On occasion, may be required to stoop, bend or reach above the shoulders Must occasionally lift up to 25 pounds Vision abilities required include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus Disclaimer The above statements reflect the general details necessary to describe the principle functions of the occupation described and shall not be construed as a detailed description of all the work requirements that may be inherent in the occupation.

Accenture is a leading global professional services company that helps the world's leading businesses, governments and other organizations build their digital core, optimize their operations, accelerate revenue growth and enhance citizen services-creating tangible value at speed and scale. We are a talent and innovation led company with 750,000 people serving clients in more than 120 countries. We combine our strength in technology with unmatched industry experience, functional expertise and global delivery capability. We are uniquely able to deliver tangible outcomes because of our broad range of services, solutions and assets across Strategy & Consulting, Technology, Operations, Industry X and Accenture Song. These capabilities, together with our culture of shared success and commitment to creating 360° value, enable us to help our clients succeed and build trusted, lasting relationships. As of 2023, we have been recognized among Fortune's World's Most Admired Companies for 20 consecutive years. And that's just the beginning. Your career is about what you want to be and who you want to be. It's about bringing your skills, your curiosity, and your best true self to your work. Visit us at ****************** We Are: In today's world, business leaders want to rapidly and confidently reinvent to increase resilience, mitigate risk, and grow with sustainable value. That's where Accenture Strategy & Consulting comes in. We bring together strategic visionaries, industry experts, practitioners from across every enterprise function, business intelligence professionals, change specialists, data and AI authorities, and many other specialized skills to co-create each client's unique path to reinvention. You will be a trusted partner to business leaders, working with a diverse team of experts to deliver successful tech-enabled transformation and new kinds of value for your clients. Join our global network of people using the latest assets, platforms and partnerships to help bring ideas to life. Strategy & Consulting is one of five services that make up one Accenture - the others are Operations, Technology, Song and Industry X. Management Consulting professionals design and implement transformation programs that integrate strategy, technology, and operations to create enterprise value for clients. Accenture is growing our practice to help our clients navigate their transformational journeys. You Are The candidate will be a Senior Manager within the Commercial Banking Consulting practice with a focus on Business and Technology Transformation within the wholesale lending industry . The Commercial Credit Consultant designs and implements business changes that drive industry-specific, function and digital operating model transformation, focusing on task relating to people and process . Large wholesale lenders are investing heavily in modernizing their business, technology, and data to optimize straight-through processing, enhance client and employee experience, and reduce cost of ownership. Accenture is growing our practice to help our client navigate their transformational journeys. The Commercial Credit Senior Manager will be focused on supporting the development of our lending offerings and the delivery of transformational consulting projects. The Commercial Credit Senior M anager will be focused on supporting the development of our offerings and the delivery of consulting projects. Responsibilities may include: + Become a trusted advisor for C-suite clients looking to solve critical business problem + Define clients' business and technology strategy. + Re-imagine world-class operating models for Wholesale credit institutions. + Lead Wholesale credit systems implementation engagements (requirements, design, test, deployment, etc.). + Manage all parts of projects, from client buy-in to planning, budgeting, and execution. + Source and coordinate work from other internal workforces. + Develop of our next generation Wholesale credit technology offerings. + Drive business development to originate new client opportunities. + Build your reputation as an industry thought leader + Travel, as required , up to 80%, in the United States and Canada. Here's What You Need: + Minimum of 10 years relevant professional services firm experience in technology or management consulting with broad experience in engagement management and business development + Minimum of 7 years of equivalent of commercial credit industry (sales, underwriting. closing, servicing, portfolio management) industry experience + Demonstratable experience leading a complex, large-scale commercial credit transformation across operating model, technology, and data/AI workstreams + Demonstrated experience developing and managing relationships with C-suite client executives. + A Bachelor's degree Bonus Points if you have: + Launched new product offerings in the banking industry. + Implemented next generation analytic capabilities (e.g., predictive, generative, or agentic AI) for commercial lending. + E xperience with additional commercial lending industry platforms, e.g., Moody's, Blooma, Built + An advanced degree or financial industry certification Professional Skills + Proven ability to operate within a collaborative environment. + Demonstrated commitment, teamwork, and collaboration in a professional setting; either military or civilian. + High energy level, focus and ability to work well in demanding client environments. + Excellent communication (written and oral) and interpersonal skills. + Strong leadership, problem solving, and decision-making abilities. + Unquestionable professional integrity, credibility, and character. Compensation at Accenture varies depending on a wide array of factors, which may include but are not limited to the specific office location, role, skill set, and level of experience. As required by local law, Accenture provides a reasonable range of compensation for roles that may be hired as set forth below.We accept applications on an on-going basis and there is no fixed deadline to apply. Information on benefits is here. (************************************************************ Role Location Annual Salary Range California $132,500 to $302,400 Cleveland $122,700 to $241,900 Colorado $132,500 to $261,300 District of Columbia $141,100 to $278,200 Illinois $122,700 to $261,300 Maryland $132,500 to $261,300 Massachusetts $132,500 to $278,200 Minnesota $132,500 to $261,300 New York/New Jersey $122,700 to $302,400 Washington $141,100 to $278,200 Requesting an Accommodation Accenture is committed to providing equal employment opportunities for persons with disabilities or religious observances, including reasonable accommodation when needed. If you are hired by Accenture and require accommodation to perform the essential functions of your role, you will be asked to participate in our reasonable accommodation process. Accommodations made to facilitate the recruiting process are not a guarantee of future or continued accommodations once hired. If you would like to be considered for employment opportunities with Accenture and have accommodation needs such as for a disability or religious observance, please call us toll free at **************** or send us an email or speak with your recruiter. Equal Employment Opportunity Statement We believe that no one should be discriminated against because of their differences. All employment decisions shall be made without regard to age, race, creed, color, religion, sex, national origin, ancestry, disability status, veteran status, sexual orientation, gender identity or expression, genetic information, marital status, citizenship status or any other basis as protected by federal, state, or local law. Our rich diversity makes us more innovative, more competitive, and more creative, which helps us better serve our clients and our communities. For details, view a copy of the Accenture Equal Opportunity Statement (******************************************************************************************************************************************** Accenture is an EEO and Affirmative Action Employer of Veterans/Individuals with Disabilities. Accenture is committed to providing veteran employment opportunities to our service men and women. Other Employment Statements Applicants for employment in the US must have work authorization that does not now or in the future require sponsorship of a visa for employment authorization in the United States. Candidates who are currently employed by a client of Accenture or an affiliated Accenture business may not be eligible for consideration. Job candidates will not be obligated to disclose sealed or expunged records of conviction or arrest as part of the hiring process. Further, at Accenture a criminal conviction history is not an absolute bar to employment. The Company will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. Additionally, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the Company's legal duty to furnish information. California requires additional notifications for applicants and employees. If you are a California resident, live in or plan to work from Los Angeles County upon being hired for this position, please click here for additional important information. Please read Accenture's Recruiting and Hiring Statement for more information on how we process your data during the Recruiting and Hiring process.

Northwestern Bank, a proud member of the Chippewa Valley community since 1904, is currently seeking a full-time, experienced Credit Analyst to work onsite in our Chippewa Falls branch. This position will join an experienced lending team with very complicated and substantial loan portfolios and can have an immediate impact on the team and bank. The ideal candidate will have an associate or bachelor's degree in accounting or finance, with 3 - 5 years' Credit Analyst experience. Applicants for this position need to be comfortable reading and interpreting business and personal tax returns and financial statements, have a strong working knowledge of the balance sheet and income statement, be proficient in Microsoft Word and Excel, have strong analytical, organizational, interpersonal, written, and communication skills, will be detail-oriented and able to multi-task in a fast-paced environment and will exemplify our Core Values of deliver an exceptional experience, shine through service, lead with integrity, create positive impact, and foster genuine relationships. Job duties include: • Collect, analyze, and interpret customer financial information regarding income, assets, investments, debt, and cash flow to help determine which credit structures will best meet the needs of our customers and to analyze risk • Collaborate with Loan Officers in the preparation of loan write ups and the ordering of credit bureaus, appraisals, title insurance, and flood determinations; provides appropriate recommendation on credits. • Create a comprehensive analysis of a potential borrower's financial position including cash flow and debt service coverage. • Assist with escrow mailings • File initial UCC filings in addition to monitoring existing filings and paying fees as they become due. A complete job description can be found below. In addition to a great work environment, Northwestern Bank offers the following: • Competitive Pay • Generous 401K plan • Incentive Bonus program • Paid Vacation, Holiday, Sick, and Parental Leave • Health, Dental, Vision, Life, and Long-Term Disability Insurance • Well-rounded EAP program EOE, including disability/veterans Northwestern Bank Mission Statement Building Stronger Communities Where People Matter Core Values Deliver an exceptional experience. Shine through service. Lead with integrity. Create positive impact. Foster genuine relationships. About Northwestern Bank Northwestern Bank is a locally owned, community bank proudly serving our communities for over 100 years. We are building stronger communities where people matter, and we do that by putting our core values in action. Northwestern Bank is a reflection of each of the communities we serve and like our communities we are strong, committed, and genuine. We treat customers like family, giving sound advice, and honest financial direction. About Our Employees Northwestern Bank employees are remarkable in their commitment to our communities, customers, and to each other. They bring our values to life as they perform their day-to-day responsibilities, make decisions, and in how they treat others. Our employees regularly rise above expectations as they seek to help others, always being truthful, respectful, and trustworthy. They serve our communities through active volunteerism. Credit Analyst Position Summary: Works directly with Loan Officers to prepare thorough analysis on credit presentations and annual reviews. Responsible for the maintenance of timely customer financial reporting and credit ratings. Performs portfolio risk assessment analysis and actively participates in Loan Committee. Conducts other duties necessary to carry out the responsibilities of this position. Principal Duties and Responsibilities: Assist Loan Officers with annual loan reviews on all credits over $500K, by conducting financial analysis and risk ratings using Bank spreadsheet software and standard scoring matrix. Assist Loan Officers in preparation of loan write-ups. Prepare spreadsheets and conduct analysis of customers' financial information. Assist Loan Officers with ordering of required documentation such as credit bureaus, appraisals, title insurance and flood determinations. Attend weekly Loan Officer Committee meetings, Loan and Credit department meetings and quarterly ALLL meetings. Contact credit customers as needed to ensure timely collection of financial statements as required by the general loan policy required by the general loan policy. Oversee and prepare monthly and quarterly management reports as needed. Assist as needed with the preparation of Loan Committee minutes and Board loan reports. Develop a thorough understanding of all bank products both related and unrelated to the Loan Department. Assist with Escrow mailings. File initial UCC filings in addition to monitoring and paying UCC filings as they become due. Obtain Secure Party UCC filings as needed. Maintain charge-off loan records payment report. Download documents from the share file. Send out loan paperwork via DocuSign and forward onto Loan Processors. Additional Duties and Responsibilities: Assists other Bank employees with questions and concerns relating to loan customers, loan analysis and loan documentation. Keep up to date on laws, rules, and regulations pertaining to the position. Cross-sell bank products and services when opportunities arise. Perform other duties as may be necessary to fulfill the responsibilities of this position. Secure the vaults at the close of business and open/secure them on assigned workday mornings and Saturday. Work Relationships and Scope: Reports to VP- Credit Manager. Works closely with Loan Officers, Loan Support Specialist, Loan Processors and Loan Secretaries regarding analysis and technical exception work. Has occasional contact with attorneys, accountants, other professionals and outside parties relating to loans. Has regular access to highly confidential customer, employee and Bank financial information. Measures of Performance: Quality, accuracy, reliability, friendliness, thoroughness and timeliness of services provided to the Bank and customers; adherence to banking regulations and accepted audit procedures; ability to earn the trust and respect of employees and co-workers; effectively communicates and develops good working relationships with co-workers; professional workplace appearance and conduct; keeps Bank, customer, and employee information confidential; participates in training and appropriate professional development; reliability in reporting to work regularly and on time; understands and adheres to Bank policies and procedures; informs customers and potential customers of additional Bank services through cross-selling. Qualifications Knowledge, Skills and Abilities Required: Prefers a degree in business, preferably in finance, accounting or economics, and at least three years of previous banking loan/credit experience (or equivalent combination of education and experience). Must possess: good understanding of accounting, cash flow, financial ratio analysis, and financial institution regulations; ability to input and retrieve computerized information on a PC; good understanding of computerized loan accounting systems; excellent problem solving ability to find errors and determine most desirable solutions; courteous and professional customer service attitude; intermediate mathematical skills (add, subtract, multiply, divide, fractions, percents, decimals, algebra, statistical analysis); ability to follow written and verbal instructions; good verbal communication skills for interacting professionally with customers. Must have ability to: compose routine and complex business reports and correspondence; read and interpret technical documents; maintain the integrity of highly confidential customer, Bank and employee information; deal effectively with time pressures and stress. May need to bend, stoop, and lift to move light office materials and retrieve files. Working Conditions: Work is performed largely in a pleasant office environment with minimal chance for personal injury. Intermittent sitting and standing and frequent mental and visual concentration for usage of PC required. Work is performed generally during regular business hours. Occasional over night, out-of-town travel may be required to attend seminars, meetings, etc. Equipment Operated: Windows based PC (Office software, specifically Excel and Word), Bank software, CreditQuest, Zoho, interaction with Bank's main frame, internet capabilities including e-mail, computer printers, fax, copier, and telephone.

Job Description Join our Team as a Consumer Loan Officer I!!! About Us: 1st Community Credit Union is a thriving mid-sized financial institution serving 14 counties across Western Wisconsin from three convenient branches. Join us in a workplace that values teamwork, balance, and a strong commitment to the communities we serve. Why 1st Community Credit Union: We are committed to fostering a team-first culture, promoting work/life balance, and delivering top-tier member service. Position: Full Time (40 hours/week) Consumer Loan Officer I Location: Sparta Office As the Consumer Loan Officer, I your responsibilities will be: Conducting loan interviews and gather necessary documentation, processing loan applications. Communicating loan decisions with applicants and providing next steps. Ensure members receive the financial solutions best suited to their needs. Analyzing loan applicant's financial situations, cross-selling credit union products and services to enhance the member well-being. Ensure compliance with credit union policies and procedures. Provide excellent member service through clear communication and professional support. Normal day to day functions will be answering questions about consumer loans, determining collateral values, prepare member loan files, offer financial counseling to our members, and completing sales reports. Your Skills & Experience: 3 years of financial experience preferred Ability to handle difficult or complex situations with a professional, friendly demeanor Proven sales experience We Support Your Well-Being: Health, dental, and vision insurance Voluntary coverage options for accident, critical illness, and cancer 401K plan with matching (up to 5%) Life insurance, long-term disability coverage, paid holidays and educational reimbursement. Generous vacation, personal and sick time pay Our Culture & Values: We foster a culture of Community, Communication, Courage, and Collaboration. We strive for continuous development and aim to deliver a standout member experience with every interaction. Why You'll Love Working Here: At 1st Community Credit Union, you'll be part of something much bigger than a job. Supported by a culture rooted in community, collaboration, and purpose, you'll thrive in a workplace that values work/life balance and truly invests in you. Our robust benefits listed above demonstrate that your well-being matters. Most importantly, your day-to-day contributions will make a meaningful impact. Every interaction strengthens our cooperative mission of "People Helping People," and together, we'll serve our members, empower one another, and grow-professionally and personally. If you're looking for a role where your work has meaning, your growth is supported, and your colleagues become your team, you'll find your place here.

Employment Type: Full-Time, Hybrid #LI-HYBRID What you should know about the role This position is responsible for evaluating the financial statements and condition of commercial loan members applying for credit. Analyzes complex personal and corporate loan portfolio financial statements for loan risk rating and monitoring purposes on a single loan or relationship basis. Performs timely and accurate annual reviews to monitor credit quality and early identification of deterioration of credit quality. Analyzes such items as income, quality of management, market share, potential risks and collateral appraisal. Prepares loan presentations, which include credit analysis and a summary of the loan request. This is accomplished by providing outstanding service to both internal and external members as defined by living and demonstrating the core values of the credit union; Act with Integrity, Drive Progress, Build & Strengthen Relationships and Keep People at the Core. What you should know about Advia Advia is a fast-growing Credit Union that is positioned in the top 3% of credit unions across the United States. We serve almost 200,000 members with assets over $3 Billion. We offer very similar product and services as the big banks with a focus on saving our members money while providing financial advantages. We are rooted in our communities and believe we have a responsibility to give back outside of our four branch walls through volunteering and charitable donations. The work environment at Advia is fast-paced, performance based, and fun infused. We certainly live by the saying "work hard, play hard." As an employee of Advia, you can expect regular and constructive feedback, development opportunities, great benefits, excellent co-workers and engaged managers. Major Duties and Responsibilities Utilizes and maintains credit analysis software. Underwrites existing and prospective commercial client requests. Tasks consist of analytical review of all financial statements, comparison of the client's historical financial performance with industry and competitor trends. Periodically accompany Commercial Lenders on meetings with Commercial Members or at other business development events Assesses collateral offered and its marketability to make certain the credit relationships meet internal policy guidelines and regulation standards. Reviews and ensures commercial loan policy compliance throughout the commercial lending process, including the review of various reports and loan approval conditions. Works closely with commercial lenders to fully understand the request, establishing and defining credit requirements and risk mitigation to make credit recommendations to the appropriate individual or committee based on credit analysis. Assist the department in training and sharing knowledge with Commercial Credit Analyst I team members Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Credit Union personnel and with management. This may include coordinating functions with related departments, providing support as needed, keeping management informed of area activities and of any significant problems, attending and participating in meetings and committees as required and completing required reports and records. Reviews and helps recommend various reports and other loan approval conditions. Assumes responsibility for establishing and maintaining effective and professional business relations with members and trade professionals. Answers questions and resolves requests. This may include assisting department personnel with administrative tasks as needed, and maintaining and protecting the Credit Union's professional reputation. Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Additionally, all employees must follow policies and procedures to minimize risk by exercising judgment, raising questions to management, and adhering to policy guidelines. Requirements Experience 3+ years of Commercial Credit Analysis Experience. Minimum of three years of Commercial Lending experience. Knowledge of Credit Union lending and collections programs, policies, and procedures. Understanding of financial analysis and determination of credit worthiness. The candidate should have a clear understanding of general accounting principles as well as general knowledge of business, finance and economics. An advanced knowledge and understanding of multiple balance sheets and corporate entities with the ability to interpret all forms of financial data and instruments is needed for this role. Strong analytical abilities. Sageworks credit analysis software experience preferred. SBA experience preferred. Education/Certification/Licenses A college degree. Interpersonal Skills A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance. Typically includes subject matter experts as well as first level to middle managers. Physical Requirements Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Working Conditions Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise. Mental and/or Emotional Requirements Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

**Why Wells Fargo:** Are you looking for more? Find it here. At Wells Fargo, we're more than a financial services leader - we're a global trailblazer committed to driving innovation, empowering communities, and helping our customers succeed. We believe that a meaningful career is much more than just a job - it's about finding all of the elements to help you thrive, in one place. Living the Well Life (********************************************* means you're supported in life, not just work. It means having robust benefits, competitive compensation, and programs designed to help you find work-life balance and well-being. You'll be rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. And we're recognized for it - Wells Fargo once again ranked in the top three - making us the #1 financial services employer - on the 2025 LinkedIn Top Companies list of best workplaces "to grow your career" in the U.S. Join us! **About this role:** Wells Fargo is seeking a Senior Branch Premier Banker (SAFE) in Consumer and Small Business Banking, as part of Branch Banking. Learn more about the career areas and business divisions at wellsfargojobs.com (********************************************* . Upon required licensing and SAFE registration, the Senior Branch Premier Banker LP (SAFE) employee will transition to the Senior Branch Premier Banker (SAFE) role. The following job profile is intended to provide a general sense of what Senior Branch Premier Bankers do; however, the day-to-day duties and responsibilities will differ from branch to branch and even banker to banker depending on several variables, including (but not limited to) years of experience, complement of clients serviced, banking services and options of various clients, and client needs. **In this role you will:** + Employees who are not fully licensed at the time of hire will participate in the Branch Banking Licensed Banker licensing program as a Senior Branch Premier Banker LP (SAFE). This is a temporary position until employee has successfully completed licensing requirements. Upon successful completion, employees will transition to the Senior Branch Premier Banker (SAFE) role and perform the following duties: + Proactively acquire new affluent consumer and small business customers, and deepen existing relationships, through outreach and pre-planned appointments + Review and analyze moderately complex customer concerns for possible resolution though discretionary application of applicable resolution protocols + Escalate banking related issues or business risks that require an in-depth evaluation + Advise customers on various aspects of recommended and available financial options and services + Maintain deep knowledge and understanding of Wells Fargo's banking, credit and investment financial solutions and services + Identify client needs and goals for business, mortgage, retirement, and investment services, then partner closely with peers in Business Banking Advisory Services, Mortgage and Wealth and Investment Management to best meet the previously identified needs and goals, consistent with clients' overall financial circumstances and goals + Understand and manage risks in the business by adhering to policies, procedures and controls and ensuring compliance with applicable laws, rules, and regulations + Collect information directly from customers regarding income, assets, investments, and credit; analyze information to develop customized plans identifying Wells Fargo's banking options and services that will best meet customers' financial needs and goals + Build relationships with branch colleagues, affluent customers, and partners to acquire, deepen, and retain relationships, and to also help customers succeed financially + Exercise independent judgement and discretion in managing client relationships through regular meetings to review financial condition and goals, provide advice regarding banking services and options to meet changing circumstances + Be an active member of the branch team, including providing guidance to other branch employees on developing relationships and managing moderately complex to complex client needs + This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the SAFE. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below **Required Qualifications:** + 4+ years of customer service experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education + 3+ years of experience building and maintaining effective relationships with customers and partners + 3+ years of experience recommending products and services **Desired Qualifications:** + Financial services industry experience in one or a combination of the following: corporate, consumer, mortgage, investments, brokerage, or private banking + Experience recommending financial services products and services + Successfully completed FINRA Series 6 and 63 exams (or recognized FINRA equivalents) to qualify for immediate registration + State Insurance license(s) + 3+ years of experience in a licensed financial services position + Customer service focus with experience handling complex transactions across multiple systems + Proficient with proactively sourcing, acquiring, building, and maintaining relationships with customers and colleagues + Excellent verbal, written, and interpersonal communication skills + Knowledge and understanding of book of business processes to actively manage a group of Wells Fargo customers to meet their needs and grow the business + Knowledge and understanding of Branch Banking compliance controls, risk management, and loss prevention + Ability to follow policies, procedures, and regulations + Ability to educate and connect customers to technology and share the value of self-service digital banking options + Experience using strong business acumen to provide financial services consultation to small business customers + Knowledge and understanding of financial services consumer lending products + Ability to interact with integrity and professionalism with customers and employees + High motivation with ability to successfully meet team objectives while maintaining individual performance + Experience mentoring and peer-coaching others **Job Expectations:** + Ability to work a schedule that may include most Saturdays + Adherence to Wells Fargo sales practices risk management culture + Current registration for FINRA Series 6 and Series 63 (or FINRA recognized equivalents) is required for this role or must be completed within a specified period. For specific FINRA qualification exams obtained after 9/30/2018, the Securities Industry Essentials (SIE) exam co-requisite will be required + For the following states where hired, FINRA Series 65 (or equivalent) will also be required to be completed within a specified period: AK, AL, CT, DE, HI, IA, ID, IN, KS, MD, MI, MN, MS, MT, NC, ND, NE, NM, OR, SC, SD, TN, TX, UT, VA, WA, WI, and WY. The State of WY permits referral-only licensed bankers to receive the IAR registration without completing the Series 65/66 exam requirement. This list of states is subject to change and Series 65 (or equivalent) licensing requirement would be based on current state requirements during employment + State Insurance license(s) are required for this role and must be completed within a specified period + Licensing requirements and expected completion timeline determined by the number of licenses needed) will be communicated to the candidate upon offer acceptance + Obtaining and/or maintaining appropriate Financial Industry Regulatory Authority (FINRA) license(s) is required for ongoing employment in this position. Additional requirements include meeting enhanced financial fitness and criminal background standards. Wells Fargo will initiate the FINRA review process at the time of offer acceptance. This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) website (************************************************* provides the MU4R questions and registration required for employment in this position + Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness, and criminal background standards. + A current credit report will be used to assess your financial responsibility and credit fitness; however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary + This position is not eligible for Visa sponsorship **Posting End Date:** 18 Jan 2026 **_*Job posting may come down early due to volume of applicants._** **We Value Equal Opportunity** Wells Fargo 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, disability, status as a protected veteran, or any other legally protected characteristic. Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements. Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process. **Applicants with Disabilities** To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (****************************************************************** . **Drug and Alcohol Policy** Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (********************************************************************** to learn more. **Wells Fargo Recruitment and Hiring Requirements:** a. Third-Party recordings are prohibited unless authorized by Wells Fargo. b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process. **Req Number:** R-510179

Actively communicate with customers, distributors, sales managers, accounting, and customer care representatives to ensure account accuracy and timely payments within the Alliance Laundry Systems Distribution grouping of receivable accounts. Energetically seeks positive solutions to complex credit challenges on new and existing receivable accounts. Supports positive process and system changes in a growth focused organization. Responsibilities Conduct collection activities on assigned accounts Maintain regular contact with internal and external areas to enable shipping of orders once the credit requirements are met Obtain / review existing customer data to improve ERP system data quality Obtain and review credit and financial information to determine credit worthiness Complete projects as assigned by credit department Qualifications Education & Experience : Bachelor's degree in related field preferred At least 3 years of previous experience in accounts receivables or similar functions Previous SAP system experience a plus Skills and Abilities: Proficient in Microsoft Office (Word, Excel, Outlook) Problem solving endeavors with customers via email and phone communication Demonstrated ability to work independently Demonstrated attention to detail Strong analytical and organizational skills Negotiation skills, both internally and externally Flexibility and positivity Travel: None. Standard and Physical Requirements: Position involves sitting long periods, standing, manual dexterity, stooping, bending and minimal lifting. Alliance Team Members Demonstrate DRIVE: Dedicated: Follows through on commitments. Strong say/do. Respectful: Acts with integrity and values diverse perspective. Innovative: Always looking for a better way; leads change. Versatile: Adapts quickly to changing circumstances. Demonstrates agility. Engaged: Acts like an owner. Wants to create and grow a business which is tightly aligned with market needs. EEO We are 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, disability status, protected veteran status, or any other characteristic protected by law. ID 2025-10860 Pos. Type Full-Time

As a Credit Analyst, you will work closely with the Business Lenders to prepare loan presentations for review and approval, demonstrating a strong ability to analyze large, complex multi-entity loans in a clear and concise manner. If you love commercial loans as much as we do, and look forward to growing your career with a fast-paced, supportive company, consider joining the Community First Business lending team! As a Credit Analyst with Community First Credit Union, you will: Find A Way. Deliver exceptional, “WOW” service to both internal and external members Assist business lenders by preparing credit presentations for both existing and prospective business loan applications Research lien filings, public state records, credit bureaus, court cases, and other databases to assist with risk assessment of proposed and existing credit relationships Assist business lenders with evaluations for annual reviews and renewals of existing members Use Sageworks database to track and assist in the collection of financial information as required by loan policy and to reduce financial exceptions As a backup to the business lender, provide lender support with various member requests We are looking for a combination of: Bachelor's degree in accounting, business, or finance is required Two years of experience as a commercial credit analysis, formal credit training, or other relevant financial experience is required Knowledge of tax returns (both business and personal), as well as M1 reconciliations and distributions is desired

We are seeking a detail-oriented and experienced Credit Analyst to join our dynamic banking team. This role offers an excellent opportunity to contribute to sound lending decisions and effective risk management by conducting comprehensive financial and credit analyses on a variety of loan requests. The ideal candidate will bring a strong background in credit analysis, with a primary focus on commercial real estate (CRE) and exposure to commercial and industrial (C&I) lending, supporting our commitment to responsible and strategic growth. Primary Responsibilities • Analyze and prepare financial summaries and credit presentations for new, renewed, and extended loans, with a focus on CRE but including C&I transactions as needed. • Conduct in-depth reviews of borrower financial statements, tax returns, and cash flow models using advanced spreadsheet and credit analysis software. • Assess creditworthiness by evaluating liquidity, management quality, market position, collateral, and overall business climate. • Prepare and present objective credit recommendations to the Credit Analyst Manager and participate in loan committee discussions as needed. • Ensure all credit analyses and loan structures comply with bank policies, regulatory requirements, and industry best practices. • Monitor existing credit relationships for early identification of adverse trends and recommend appropriate actions. • Collaborate with commercial lenders, relationship managers, and other departments to support business development and portfolio management. • Assist in the ongoing enhancement of credit policies, procedures, and risk management practices. • Stay current with regulatory changes (OCC, FDIC, FFIEC) and industry trends impacting credit risk and underwriting. Secondary Responsibilities • Support the evaluation and implementation of new credit analysis systems and technology. • Contribute to process improvement initiatives and support new business or technology projects. • Participate in training and knowledge-sharing within the credit team. • Perform other duties as assigned. Alignment with Bank's Core Values, Mission, and Vision At FVSBank, we are committed to upholding our core values and advancing our mission and vision in every aspect of our work. As a Credit Analyst, you are expected to: • Embody the Bank's Core Values: Demonstrate teamwork, respect, integrity, accountability, and a commitment to diversity in all interactions with colleagues, clients, and the community. • Support the Mission: Contribute to the bank's mission of 'Banking. Made Personal.' by delivering thoughtful and personalized financial analysis. • Advance the Vision: Help realize our vision 'To be the trusted lifetime financial partner of our customers, communities, and employees' by supporting prudent lending decisions and fostering long-term relationships. • Promote a Positive Culture: Foster an inclusive, respectful, and growth-oriented workplace that reflects our dedication to continuous improvement and community engagement. The job duties listed are in no way all encompassing. Other duties, responsibilities, and qualifications may be required and/or assigned, as necessary. This position requires regulatory compliance. Join our team and become part of a collaborative culture that values professional growth, integrity, and innovation. We offer competitive benefits and opportunities for development in a supportive environment dedicated to excellence in financial services. Requirements Education Bachelor's degree in finance, accounting, economics, or a related field from an accredited college or university, or equivalent work experience. Experience 3-5 years of credit analysis experience in a banking or financial institution. Experience underwriting both CRE and C&I loans preferred; CRE will be the primary focus. Formal credit training or relevant certifications (e.g., RMA, CFA) preferred. Skills & Competencies • Strong analytical and synthesis skills with advanced proficiency in financial modeling and spreadsheet analysis. • Knowledge of loan documentation, collateral types, and regulatory requirements. • Proficiency with credit analysis platforms and Microsoft Office Suite. • Excellent written and verbal communication skills. • Ability to work independently and collaboratively within a team. • Strong organizational skills and attention to detail. Physical Demands • Ability to sit for extended periods. • Frequent use of computer, calculator, and other office equipment. • Occasional local travel, including driving. Performance Measures • Timeliness and accuracy of credit analysis and presentations. • Improved quality of credit controls and asset quality measures. • Contribution to team knowledge sharing and process improvement. • Adherence to regulatory and policy standards. • Reduction in loan workouts, write-offs, and bank-owned real estate. FVSBank is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation or protected veteran status.