Credit officer jobs near me - 79 jobs

Back 97d Formula-Based Monitoring Officer - Secured Credit Administration #32-8239 Multiple Locations Apply X Facebook LinkedIn Email Copy Location This position is 100% remote within the Bank's footprint. Employee will work full time remote outside of a WesBanco location (may occasionally attend in person meetings, although primary functions of the role are performed remotely). Market Cincinnati Work Hours per Week 37.5 Requirements Bachelor Degree in business or minimum of four years related experience and/or training in commercial lending/loan documentation; or equivalent combination of education and experience. Commercial Credit experience required. Familiarity with commercial loan legal documents. Familiarity with Balance Sheets, Accounts Receivable/Payable schedules, Inventory and Equipment schedules. General understanding of systems and procedures used in making and servicing all types of loans. Ability to read, analyze, and interpret Credit Policy and Commercial Loan Agreements. Job Description Summary Under the supervision of the Formula Based Lending Team Leader this position is responsible for the oversight of the Formula Based Monitoring Function. Position will track, analyze, and interpret documentation provided by borrowers as required by a Loan Agreement in support of funds advanced under a revolving line of credit. Position may also perform other related duties as determined by the Team Leader or Department Manager. Essential Duties and Responsibilities Tracks for the timely receipt of borrowing base certificates and other supporting documentation (such as Accounts Receivable and Payable Statements, Balance Sheets, Inventory Schedules), as may be required by a Loan Agreement as a condition of lending for a revolving line of credit. Reviews and analyzes borrower-provided information received to determine compliance with formula based requirements. Identifies and follows-up with the appropriate production staff those companies who have not filed required information in a timely manner to determine status. Reviews and analyzes recent and historical borrowing trends for any inconsistencies. Reviews and analyzes recent and historical collateral levels for any inconsistencies. Follows specific notification procedures for companies outside of its permissible borrowing requirements. Prepares and distributes reports of non-compliance with reporting requirements. Assures maintenance of appropriate records of work performed by Formula Based Lending staff. Offers guidance as to bank policy and industry standards to Lenders and Credit Risk Management during the underwriting process. Provides Credit Risk Management with borrower compliance information during the annual renewal process. May be assigned other duties and/or responsibilities within Secured Credit Administration, as needed. Computer Skills MS Office, including Word, Excel, Outlook, Power Point, and SharePoint. Familiarity with IBS and Capital Stream Finance Center preferred. Other Qualifications: High level of analytical ability to determine the risk involved in each transaction. Professional demeanor in appearance, interpersonal relations, work ethic and attitude. Possess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to management, bank employees and bank customers in a collaborative and solutions oriented manner. Ability to maintain confidentiality. Ability to effectively present information and respond to questions from executive management and/or groups of managers, lenders and customers. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages. Ability to apply concepts of basic algebra and geometry. Full-Time/Part-Time Full-time Area of Interest Credit Administration All Locations Uniontown, Ohio, United StatesAnn Arbor, Michigan, United StatesBowie, Maryland, United StatesCincinnati, Ohio, United StatesColumbus, Ohio, United StatesDefiance, Ohio, United StatesFairmont, West Virginia, United StatesFindlay, Ohio, United StatesFort Wayne, Indiana, United StatesFrankfort, Kentucky, United StatesHuntington, West Virginia, United StatesIndianapolis, Indiana, United StatesIronton, Ohio, United StatesNew Albany, Indiana, United StatesParkersburg, West Virginia, United StatesPittsburgh, Pennsylvania, United StatesToledo, Ohio, United StatesWheeling, West Virginia, United StatesYoungstown, Ohio, United States Show more

Job Description At IH Mississippi Valley Credit Union, we believe lending should empower people. As a Senior Credit Risk Officer, you'll play a pivotal role in shaping lending strategies. Your expertise in portfolio analytics and risk management will help drive sound decisions, ensuring sustainable growth and a member-centric approach. With a competitive pay range of $120,000 to $160,000, this is an exciting opportunity to grow your career in a collaborative and forward-thinking environment. In-office work is done at our beautiful headquarters on River Drive in Moline, Illinois. This facility offers a comfortable office setting with on-site gym facility and purposeful collaborative spaces to connect. Remote work is a breeze with easy-to-use tools to help stay connected. IH Mississippi Valley Credit Union: Our Mission We are a member-owned financial cooperative dedicated to helping our member, our team members and our communities along their financial path. At our best we are authentic, driven, and innovative. What would you do as a Senior Credit Risk Officer As a Senior Credit Risk Officer at IH Mississippi Valley Credit Union, you will be an essential collaborator who thrives in a data-driven environment. This role requires you to harness your analytical skills, transforming complex data into actionable insights that enhance our lending strategies and portfolio management. Collaborating closely with other professionals, you will identify risks and develop innovative solutions that prioritize our member-centric values. Your ability to interpret data effectively will drive strategic decisions, ensuring that our lending processes are not only effective but also aligned with the highest standards of integrity and performance. Are you a good fit for this Senior Credit Risk Officer job? To excel as a Senior Credit Risk Officer at IH Mississippi Valley Credit Union, a robust set of skills is essential. You must possess a strong proficiency in analytical tools to provide oversight of loan portfolios, ensuring all data is meticulously scrutinized. Your ability to translate data into actionable decisions will be vital not only for enhancing our lending strategy but also for fostering a proactive approach to risk management. Additionally, you will serve as a strategic advisor to senior management, requiring strong communication and interpersonal skills to effectively convey insights and recommendations. An in-depth understanding of credit risk assessment, coupled with a knack for problem-solving and member focus, will position you for success in this dynamic role. A collaborative spirit and the ability to work independently are also crucial, as you will be driving initiatives that contribute to our forward-thinking culture. EXPERIENCE REQUIRED: Bachelors degree in Finance, Economics, Business, Data Science, Statistics or related fields. Master's preferred 7+ years of experience in credit risk management, portfolio analysis or related financial risk functions. Advanced Risk certification preferred. Strong knowledge of credit risk concepts, modeling, regulatory frameworks and portfolio management practices in consumer credit, mortgage and auto lending. Direct experience with CECL, stress testing, scorecard development, or predictive analytics preferred. Ability to communicate complex risk concepts to senior leadership and board members Exceptional leadership, analytical and problem-solving skills SKILLS AND COMPETENCIES: Advanced quantitative and statistical skills Strong data visualization and reporting capabilities Deep understanding of credit lifecycle, underwriting metrics, and risk-based pricing Ability to communicate complex analytics clearly to executive and eventual Board audiences Exceptional attention to detail with strategic, big-picture thinking Will you join our team? Being a team member of IHMVCU is more than just a job, we want to make differences in the communities we live in and serve. Check out our careers page for more information including benefits ********************** Final compensation will be determined by various factors such as experience, specific skills and internal pay equity. Move Up your career at IHMVCU with this great opportunity! PHYSICAL REQUIREMENTS: Sitting: Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met. Talking: Expressing or exchanging ideas by means of the spoken word; those activities where detailed or important spoken instructions must be conveyed to other workers accurately, loudly, or quickly. Hearing: Perceiving the nature of sounds at normal speaking levels with or without correction, and having the ability to receive detailed information through oral communication, and making fine discriminations in sound. Finger, handle, touch: Picking, pinching, typing or otherwise working, primarily with fingers rather than with whole hand or arm as in handling. Applying pressure to an object with the fingers and palm. Perceiving attributes of objects, such as size, shape, temperature or texture by touching with skin, particularly that of fingertips. Lifting Demands: Up to 10 lbs. Visual Demands: Visual acuity to do things such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading

Join a world-class team at JPMorgan Private Bank, where your expertise shapes the future of wealth management. As a leader in credit risk, you will have the opportunity to influence business growth and risk discipline across a diverse, global portfolio. Your strategic vision and innovative mindset will help us deliver exceptional solutions to our clients. Collaborate with top professionals and make a meaningful impact on the financial industry. This is your chance to advance your career in a dynamic, high-performing environment. As a Vice President in the Wealth Management Credit Risk team, you drive credit risk strategy and oversight for our Financial Institutions specialty portfolio. You partner with business leaders to ensure prudent risk management and support business growth. You help us deliver customized solutions to clients while maintaining the highest standards of risk discipline. Together, we innovate and enhance our risk management practices. You will be empowered to make decisions and lead initiatives that shape our business. Job Responsibilities Lead credit risk management for a diverse portfolio of management companies, individuals, hedge funds, and financial sponsors Approve and structure complex custom credit facilities within authorized limits Guide and mentor junior team members in credit risk decision-making Oversee assignment of risk ratings, loss given default, and other risk metrics Ensure alignment with global credit risk appetite across various products Identify and monitor concentrations, trends, and emerging risks Direct the preparation and presentation of portfolio reviews Escalate and manage risk exceptions in a timely manner Collaborate with business partners, underwriters, and Credit Middle Office Drive process improvement by leveraging technology and data analytics Represent Credit Risk in executive forums, product initiatives, and regulatory reviews Required Qualifications, Capabilities, and Skills Bachelor's degree Minimum 5 years of experience in financial services or credit risk management Proven leadership in credit risk for wealth management, including management companies, hedge funds, venture capital, and private equity Demonstrated ability to lead teams and manage complex projects Strong analytical and organizational skills Excellent executive communication skills Expertise in risk analytics and portfolio management Knowledge of regulatory requirements in credit risk Proficiency in Microsoft PowerPoint and Excel Experience with large language models (LLM) Familiarity with risk management systems Preferred Qualifications, Capabilities, and Skills Advanced degree in finance, business, or related field Experience with fund finance and complex credit structures Track record of innovation in risk management practices Strong stakeholder engagement and relationship management skills Experience presenting to executive leadership and regulatory bodies Knowledge of emerging technologies in credit risk Certification in risk management or related discipline

The Credit Workout Officer II is responsible for performing a variety of duties including meeting with borrowers, evaluating management teams, and business plans to determine whether to retain or exit credit. Essential Functions Ensure integrity of loan documentation Review loan documents for perfection of collateral Analyze financial statements Identify and resolve problems / issues Record all agreements and conversations Prepare correspondence and documentation with regards to workout plan Discuss grades and workout procedures Issue demands letters Monitor collection activity, and bankruptcies Obtain judgments Establish Workout plans Report agreed payment terms and plans Locate collateral / inspection Coordinate foreclosures Partner with loan officers Prepare for litigation Coordinate sale of acquired assets / with appropriate staff, liquidation of assets and sales, and legal plan action with counsel Order appraisals Initiate Charge-offs / write downs Prepare reviews on workout loans, and quarterly workout updates Familiarity with & knowledge of the SBA Standard Operating Procedures (SOP). Liquidation of SBA 7 & 504 Loans Participate in quarterly SAG Watch Calls and preparation of CRIT Forms Ensure compliance with Northwest's policies and procedures, and Federal/State regulations Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency Work as part of a team Work with on-site equipment Education and Experience preferred Bachelor's degree in business, accounting, finance or related 3-5 years of experience related to commercial lending including special assets, loan review, credit and / or lending Ability to analyze data related to bankruptcy, foreclosure, and repossession This position will be performed onsite Monday - Thursday with Friday an option work from home day. Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.

As Marqeta's Credit Risk Senior Manager, Underwriting, you will lead our credit risk strategy helping us to launch successful credit programs. You will drive innovation to establish best in class credit strategies and underwriting models. You will work closely with internal stakeholders including Banking, Product, Finance, and Data while partnering and building strong relationships with external bank partners and customers. We work Flexible First. This role can be performed remotely in the United States, only in one of our Premium or National locations, which you can review here. The Impact You'll Have Build, review, and refine Marqeta's consumer and business underwriting strategies Proactively monitor and adjust Marqeta's credit policies based on performance and risk trends Work with data scientists to build best in class credit risk and cash flow models Establish credit strategies for our consumer and commercial credit card programs that directly drive KPIs, i.e., approval rates, new accounts, loss rate, profit margin etc. Draft underwriting and risk documentation, work with bank partners on model validation and governance, and report KPIs to senior management on a regular basis Partner with product to build modern credit stacks and data strategy leveraging financial, bank, and third-party datasets, to enable underwriting automation with big data. Provide analytical support and materials (loss forecasts, profitability) for capital markets and co-brand partners Provide risk consulting services to our bank partners and customers, recommending improvements to credit strategies Who you are 8+ years of experience in credit, fintechs preferred Bachelor's degree or equivalent college-level education in Finance, Business, Accounting, Economics, Statistics, Math or similar fields Experience partnering with product and finance teams to bring best-in-class credit strategies and solutions to market Expertise in Excel and SQL modeling Experience in any one of the following: capital markets (e.g., ABS, securitization, warehouse lines), and fraud management Strong verbal and written communication skills Ability to work in a fast-paced, dynamic environment and adapt to changing priorities Your Manager Neha Nanda, Senior Director, Credit Risk Our (typical) process: Application Submission Recruiter video call Hiring manager video call Virtual “Onsite” consisting of 4-5, 45 min calls Offer! Compensation and Benefits Marqeta is a Flex First company which allows you to choose your best working environment, whether that be from home or at a company office. To support Flex First, we calibrate pay to a competitive value according to working location. Compensation is aligned according to three tiers within the United States: National: A baseline tier that applies to most of the geographic territory of the United States. Premium: Slightly elevated from the National tier, and oriented toward a narrower set of higher cost-of-living areas, such as Los Angeles CA and Seattle WA Premium Plus: A tier for the most expensive working areas, like the San Francisco Bay area and New York City. Visit this page or consult with a Recruiter to determine which tier would be applicable to you. When determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. The new-hire base salary range for this position is: Premium+: $206,800- $258,500 Premium: $190,200 - $237,800 National: $175,800 - $219,700 We also believe in recognizing the contributions of our people. That's why we award annual bonuses to eligible employees, rewarding both individual performance and the success of the entire company. Along with monetary compensation, Marqeta offers Multiple health insurance options Flexible time off - take what you need Retirement savings program with company contribution and after tax contributions Equity in a publicly-traded company and an Employee Stock Purchase Program Family-forming benefits, fertility support, and up to 20 weeks of Parental Leave Free therapy sessions, financial and professional coaching, and legal advice Monthly stipend to support our remote work model Annual “development dollars” to support our people growth and development Through Flex First, the freedom to live and work wherever you and your family thrive

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Lead Credit Officer - Vice President within the Asset and Wealth Management Credit Risk team, you will play a significant role in managing risk and supporting the US Regional and Financial Sponsors portfolio. Your responsibilities will include leading and managing the overall risk management process for select markets with an initial focus on Financial and Venture Capital Sponsor clients. This primarily consists of analyzing credit risk and monitoring portfolio performance on an ongoing basis. The position offers a challenging and rewarding opportunity on a dynamic team where you can leverage your expertise to make significant impact. **Job Responsibilities** + Management of the designated regional credit risk portfolio within acceptable quality and loss criteria + Approve credit risk exposure relating to the client base within authorized limits. + Responsible for the accurate, timely and consistent assignment of risk ratings for all clients and collateral. + Guide and advise Credit Officers with respect to credit analysis and the proper application of Private Banking credit underwriting policies. + Partner with the regional or product lending teams to ensure that new and existing credit exposure is structured, documented and approved in accordance with JPMorgan Credit Policy. + Monitor performance and compliance metrics within the designated portfolio and work with integrated team to understand issues, approve resolution plans and escalate potential problems immediately. + Oversee and drive ad hoc risk-related projects and workflows. + Drive efficiency with existing technical infrastructure through automation while embracing innovative opportunities offered by new technologies. + Collaborate and communicate with external and internal stakeholders. + Monitor the Financial and Venture Capital Sponsors industry and overall economic/business environment to identify and elevate potential material issues, risks, and trends in the portfolio to Senior Management. **Required qualifications, capabilities, and skills** + Bachelor's degree required. + Advanced knowledge in private equity, including lending to funds and their management companies, and individuals (sponsor partners), with the ability to conduct portfolio analysis + Minimum 5 years in a similar banking or credit role, with experience in overseeing a large credit portfolio and structuring complex credit transactions. + High level of analytical skills, with attention to detail + Familiarity and expertise with legal documentation, particularly with respect to fund finance + Ability to understand and distill market dynamics and economic drivers + Outstanding professional reputation and integrity. + Strong leadership, management and business partnership skills, with the ability to train others. + Strong presentation, business writing, and communication skills. **Preferred qualifications, capabilities, and skills** + Preferred knowledge of the high-net-worth industry and the commensurate capital and financial markets JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans **Base Pay/Salary** New York,NY $133,000.00 - $240,000.00 / year; San Francisco,CA $133,000.00 - $240,000.00 / year

Job Title: Senior Credit Officer - Commercial United Community is looking for a Senior Credit Officer - Commercial to work with Community Bank Executives and Corporate Banking leadership to achieve high credit quality via the loan approval process.Position can sit in Greenville, SC or Orlando, FL. What You'll Do * Work with Community Bank Executives, Commercial Banking Solutions (Specialty Lending Groups) and Regional Credit Managers to promote the credit culture of United Community Bank• Protect the assets of the bank through the proper execution and administration of risk management policies and procedures. Assumes accountability for quality approval decisions and the overall quality of the assigned loan portfolio.• Approve larger credits in a timely and efficient manner helping to ensure customers' expectations are met• Serve as "gatekeeper" for approval of larger credits and assists in enforcing the bank's house limit• Recommends approval of changes in underwriting procedures and policies• Partner with State Presidents and Team Leads within Commercial Banking Solutions to execute on our credit culture, grow the portfolio and maintain strong portfolio credit metrics. • Acts in an advisory and referral role to lenders and analysts in matters of compliance, regulation and policy• Supervise activities of the Regional Credit Managers• Assist in monitoring credit quality including responsibilities for portfolio risk ratings, and oversight of criticized asset and portfolio review meetings• Direct and assist in the preparation of each bank for regulatory examinations. Works directly with bank regulators during the examination process.• Coordinate credit portion of due diligence efforts with regard to new bank acquisitions• Assist in training new lenders and the on-going training on policies, procedures and culture• Perform annual performance reviews along with an effective management plan consisting of goals for staff• Perform other duties as assigned Requirements For Success * College degree or equivalent• Minimum 10 years' experience in a regulatory or commercial lending background with at least 5 years of credit approval experience with C&I, Middle Market and Commercial Real Estate.• Strong leadership skills with extensive supervisory and managerial experience and the ability to build strong teams. • Excellent interpersonal and communication skills; and the ability to solve problems. • Participate and complete all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc. Conditions of Employment * Must be able to pass a background & credit check• This is a full-time, non-remote position that requires schedule flexibility to work evenings and weekends as needed. • Up to 20% travel required. FLSA Status: Exempt Pay Range USD $0.00 - USD $0.00 /Yr.

Job DescriptionDescription: The CBS Difference Cooperative Business Services offers a comprehensive, end-to-end commercial lending solution that empowers financial institutions with cutting-edge software, expert services, and strategic business development resources. Additionally, we support borrowers by providing tailored business loans designed to fuel growth and success. With a focus on innovation and collaboration, CBS ensures seamless processes and enhanced opportunities for lenders and borrowers alike. At CBS, our goal is to set the standard for excellence in business lending. We strive to be the best - in our processes, in our service, and in the results, we help our clients achieve. We're deeply committed to serving our partner credit unions and borrowers with integrity, precision, and a shared vision for sustainable growth. Join us on this journey as we continue to transform the future of commercial lending. Your Role in Our Success The Commercial Special Assets Credit Analyst supports the management and resolution of the organization's special asset portfolio by performing detailed financial analysis, comprehensive document review, and ongoing credit monitoring. The role evaluates borrower and guarantor financial capacity, identifies credit and collateral risk, and provides accurate, timely analysis and recommendations to support workout strategies, risk mitigation efforts, and portfolio decision-making. This position works closely with Special Assets leadership to ensure data integrity, financial transparency, and effective reporting across distressed and higher-risk lending relationships. Here's how you will make an impact: Performs credit analysis and risk assessment by collecting, reviewing, and spreading borrower and guarantor financial information in accordance with departmental guidelines to support sound credit decisions. Analyzes financial performance and repayment capacity by evaluating balance sheets, income statements, cash flow, trends, and variances to identify credit and collateral risk. Supports portfolio monitoring and Special Assets activities by assisting with loan reviews, collateral evaluations, action plans, and ongoing credit oversight. Monitors collateral compliance by verifying real estate tax payments and insurance coverage to ensure adequate risk mitigation. Performs CECL impairment analysis for individually evaluated loans and documents reserve conclusions and recommendations. Maintains accurate and audit-ready loan documentation by organizing files, updating internal systems, and supporting internal and regulatory reporting. Performs related duties as assigned to support effective credit administration and risk management. Preforms other related duties as assigned by management. Requirements: What You Bring to the Table Bachelor's degree in Finance, Accounting, Business, or a related field. 3+ years of experience in commercial credit analysis, loan review, or a similar banking/financial services role. Proficiency with credit spreading software (e.g., Abrigo Sageworks) and Microsoft Office Suite, especially Excel. Familiarity with CECL impairment methodology and collateral evaluation processes is preferred. The Perks of Being with Us At Cooperative Business Services, we believe in creating an environment where you can thrive both personally and professionally. Here's what you can look forward to as a valued member of our team: Compensation: Base compensation for this role ranges from $37.50 - $43.27 hourly. Remote Work Environment Generous Holidays: Take advantage of 13 paid holidays each year Comprehensive Insurance Coverage: Choose from a selection of medical, dental, vision, and supplemental benefit plans to suit your needs. Additionally, the company provides company-paid Short-Term Disability (STD), Long-Term Disability (LTD), and life insurance equivalent to 1 time your salary. 401(k) Plan: The company provides a generous matching contribution of up to 6%. Tuition Assistance

Are you looking for a rewarding career with an organization who puts people first? Would you like to contribute to the mission of supporting agriculture and rural America? Do you enjoy working in a team environment? Do you have a passion for providing a great customer experience? Look no further because Southwest Georgia Farm Credit is seeking a Commercial Credit Analyst to serve our 21-county territory in southwest Georgia. Remote work will be considered based off of experience. Company Profile Southwest Georgia Farm Credit is a financial institution that provides financing for agriculture, agribusiness and rural real estate purchases and improvements. We are headquartered in Bainbridge, with six offices that service 21 counties in the southwestern-most portion of the state of Georgia. With over $600 million in assets, Southwest Georgia Farm Credit is a cooperative and part of the nationwide Farm Credit System. Job Description The Commercial Credit Analyst develops and analyzes all types of credit information for use by loan officers and loan committees in making lending decisions. The successful candidate prepares complete loan packages independently for large loans; completes all documents including projections and analyses; and makes clear and appropriate recommendations for action on loans and loan treatments. The Commercial Credit Analyst requires the most technical and analytical skills, concentrating in commercial credit. The position will provide assistance to relationship managers or credit manager as requested. Required Qualifications Bachelor's degree in business, finance, or accounting and/or experience equivalent to the degree Three or more years of commercial credit analysis Possess a working knowledge of spreadsheets and other customized software Gathers and analyzes information skillfully Uses creative insights into financial situations Analyzes information skillfully and develops alternative solutions Supports and explains reasoning for decisions Exhibits sound and accurate judgement Manages competing demands Remote work considered based off of experience

Are you ready to make a difference in the world of consumer finance? At Attain Finance, we bring over 50 years of expertise in providing credit solutions across the U.S. and Canada. Our deep roots in the financial industry have empowered us to develop convenient, easily accessible financial services that meet our customers' growing needs. Join a leading consumer credit lender that thrives on innovation and collaboration, where your contributions are truly valued. Our portfolio includes distinguished brands like Cash Money , LendDirect , Heights Finance, Southern Finance, Covington Credit, Quick Credit, and First Heritage Credit. Each brand is constantly evolving to better serve our customers. Be part of a dynamic team that is shaping the future of consumer finance. Apply today and take the next step in your career with Attain Finance! At Attain Finance, managing risk is of the utmost importance to us. Our goal is to ensure we are providing access to money to underbanked consumers, while minimizing the company's financial and regulatory risk exposure. Reporting to the Director of Risk Strategy, this team member utilizes cash flow, application, and bureau data to provide analysis across various aspects of the customer life cycle including underwriting, account management and/or collections. The incumbent will be responsible for developing, designing, analyzing, and implementing underwriting and portfolio management account risk strategies. As a member of our Risk Department, you will be a part of a very dynamic, learning-oriented risk team that thrives on innovation and opportunities to spearhead the deployment of new technologies for managing the growth of Attain's lending portfolios. Responsibilities What you will be doing: Ability to develop underwriting strategies for the assigned loan portfolio as evidenced from improved performance (reduced defaults, increased receivables and/or revenue) and achieving desired business objectives Interface with Modeling/Scoring team to deploy risk strategies based on new models to improve effectiveness of the model deployment Develop dashboards to monitor and analyze portfolio and segment-level performance including performance of implemented strategies Build and automate complex queries across database and create dynamic reports to enhance credit risk insights Understand the data environment and be able to investigate issues to appropriately prioritize and set expectations for key reporting and analytical priorities Coaches and mentors other analysts and acts as a thought leader within the analyst community Work closely with internal groups to devise risk policies. Identify actionable insights, suggest recommendations, and influence the direction of the business by effectively communicating results to cross functional groups Become familiar with assigned markets and products for use in developing/modifying underwriting strategies to meet business goals Successfully manage multiple projects and timelines Qualifications What you should have: BS/MS in a quantitative discipline (Statistics, math, qualitative social science, operation management, finance, ) or equivalent working experience 5+ years of experience in credit risk or analytical experience in a related industry. Experience in Financial Services with emphasis on risk management/scoring of consumer lending products Familiarity with data from credit bureaus and third-party data providers Solid analytical skills and an understanding of how to utilize data to target improvements, solve problems, and tell a story Strong organization skills and the ability to communicate effectively, both verbally and in written Exceptional problem-solving skills and ability to work effectively with minimal Comfortable working both independently and in a team environment High proficiency with any of SQL/Snowflake/SAS Knowledge of Python or R is a plus Experience with A/B testing and data visualization (Sigma, Tableau) is a plus Familiarity with statistical modeling techniques Base Salary: $115,000 - $140,000 USD The base salary range represents the low and high end of the anticipated salary range for this position based on the U.S. average. The actual base salary offered for this full-time position will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience. All full-time salaried employees are eligible for the following benefits, starting on day one: Flexible Paid Time Off Program, Medical, Dental, Vision, Life Insurance, Disability, and other voluntary coverages. You will also be eligible to participate in our 401k program, starting on the first of the month following 30 days of employment with a company match. This employer participates in E-Verify for US-based hires. #AttainFinance EEO Statement Attain Finance Supports Equal Employment Opportunity. CURO (dba Cash Money , LendDirect , Heights Finance, Southern Finance, Covington Credit, Quick Credit, and First Heritage Credit) is committed to a policy of providing equal employment opportunity to all qualified employees and applicants. This commitment is reflected in all aspects of our daily operations. We do not discriminate on the basis of race, color, sex, religion, national origin, marital status, age, disability, veteran status, or genetic information in any personnel practice, including recruitment, hiring, training, compensation, promotion, and discipline. Additionally, we do not discriminate based on any other characteristic protected by applicable state/provincial or local law where a particular employee works. In addition, it is the policy of Attain Finance to provide reasonable accommodation to qualified employees who have protected disabilities to the extent required by federal law and any state/provincial law where a particular employee works. Notice to Attain Finance job applicants: Attain Finance will never ask for your personal banking information, transfer of funds, a credit card, or for you to purchase any equipment to process a job application or for training. Authorized Attain Finance representatives' email addresses will end ********************, @curo.com, @first-heritage.com, @heightsfinance.com, *****************.

As an employee-owned company, DMA prioritizes employees. Low turnover rates and tenured teams are living proof: 2025 Great Places to Work Certified Employee stock ownership program eligibility begins on day one of employment (ESOP contribution is targeted at 6% of your annual compensation) Company paid parental leave Generous time off package Multiple benefit plans, eligibility begins on day one of employment Culturally focused on work/life balance, mental health, and the overall wellness of our employees Position Summary Participates in credits & incentives procurement projects for DMA clients and provides other credits and incentives consulting services. Researches credits & incentives opportunities for clients. Participates in compliance services for clients. Participates in business development activities. Essential Duties and Responsibilities Participates in credits & incentives procurement projects for DMA clients Interacts with DMA and client personnel Researches and documents available incentive opportunities Works with state, local and other economic development officials to maximize incentives Maintains excellent knowledge of state, local, federal and utility incentives Participates in business development efforts Responsible for compliance reporting for assigned clients Updates work-in-process reports Conducts on-site inspection of client plants and operations Assists Directors, Sr. Managers, Managers and other business development professionals in assessing incentive opportunities for new and prospective clients Researches complex issues Education and Qualifications Bachelor's degree in accounting, finance, economics, or related field 5+ years' experience in credits & incentives, property tax consulting, or related field Advanced knowledge of Microsoft Word and Excel Organizational and interpersonal skills required Excellent verbal and written communication skills Ability to meet travel requirements of the job Valid Driver's License The Company is an equal employment opportunity employer and is committed to providing equal employment opportunities to its applicants and employees. The Company does not discriminate in employment opportunities or practices on the basis of race, color, religion, gender, national origin, citizenship, age, disability, veteran status, genetic information, or any other category covered by applicable federal, state, or local law. This equal employment opportunity policy applies to all employment policies, procedures, and practices, including but not limited to hiring, promotion, compensation, training, benefits, work assignments, discipline, termination, and all other terms and conditions of employment. It is DMA's policy to make reasonable accommodations for qualified individuals with disabilities. If you have a disability and either need assistance applying online or need to request an accommodation during any part of the application process, please contact our Human Resources team at *********************** or ************ and choosing selection 6.

Job Description LendingOne is a direct private lender for Real Estate professionals headquartered in Boca Raton, FL with additional offices in Charlotte, NC and Great Neck, NY. LendingOne made the Inc. 500 list of the fastest-growing private companies in America in 2019. Along with being rated one of the Top Workplaces in 2025 - for the fourth consecutive year - by Sun Sentinel! We specialize in providing business-purpose mortgage loans for non-owner-occupied investment properties. We offer fix/flip bridge loans and long-term rental financing. Not a broker nor a bank, but a fully funded lending partner that can close consistently. LendingOne and its affiliates have extensive real estate experience and have provided over $7 Billion in real estate capital. The Opportunity: We're seeking a skilled and detail-obsessed Credit Analyst/Underwriter who can dive into complex financials, spot potential risks, and deliver sound lending decisions-while working closely with our Sales team to help clients achieve their real estate investment goals. If you're the type who enjoys digging into the numbers, thrives under deadlines, and takes pride in delivering accurate, thoughtful evaluations, this role will give you both challenge and reward. This is a full-time employment opportunity working in our Headquarters Office in Boca Raton, FL, or in our Charlotte, NC office. What You'll Do: Perform full credit analysis and underwriting on business-purpose loans, evaluating borrowers and properties in detail. Review financial statements, analyze creditworthiness, and verify key data points such as acquisition costs, renovation budgets, rental income, and market comps. Identify risks and recommend alternative financing solutions when needed. Prepare clear and concise underwriting summaries with both quantitative and qualitative insights. Communicate underwriting decisions and rationale to internal stakeholders, particularly the Sales team. Review appraisal reports to ensure they meet company standards. Maintain productivity and turnaround times in line with department goals. Prioritize caseload effectively to meet multiple deadlines. Requirements Minimum 3 years of underwriting experience within private lending. High attention to detail and accuracy in financial analysis. Strong critical thinking skills with the ability to identify inconsistencies and propose solutions. Excellent written and verbal communication skills. Ability to manage multiple priorities and deliver on tight timelines. Positive, team-oriented attitude with strong problem-solving skills. Proficiency in CRM systems and Microsoft Office/Google Workspace. Bonus points for experience with DSCR, Fix & Flip, and New Construction loans, or a degree in Finance, Business, or Economics. Benefits Why LendingOne: Diverse and inclusive workplace, with a supportive and friendly team Company awards, recognitions, and community involvement opportunities Comprehensive benefits package: medical, dental, vision, short and long-term disability, flexible spending accounts, generous 401(k) match, and more! 10 Company-paid holidays, and Paid-time Off Work-From-Home Fridays! Regular company-sponsored lunches, team-building and social events, and company swag to promote engagement and connection We believe in promoting from within Dedicated Learning & Development Team: comprehensive technical training, career paths, and education reimbursement opportunities! LendingOne is an Equal Employment Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, national origin, gender, age, religion, disability, sexual orientation, veteran status, or marital status.

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we'd love to hear from you! The Team: Upstart's Auto Onboarding team is responsible for reviewing applications for Auto-Refinancing loans, Auto Retail Indirect loans, and Auto-secured Personal Loans. These products are all expanding and dedicated agents will ensure the success of these programs as we grow. As a Senior Credit Analyst at Upstart, you will be responsible for reviewing applications in a timely manner and with strict adherence to established policies and procedures. You will also be responsible for communicating with customers and business partners as needs arise. Your feedback and insights to the customer experience will be vital for improving our products and internal tools with an eye towards automation and growth. How you'll make an impact Flexibly alternate between significant core work responsibilities (application review) and slack coverage Act as the first-line responder for FCR/CE/CA questions Stay up to date on policy changes or program improvements Detect abnormalities and bugs by analyzing incoming documents, cases, and dashboards Use critical thinking and good judgment in ambiguous situations Minimum Qualifications Must have 3+ months of experience with Upstart Auto products or 9+ months of experience with Upstart Onboarding Demonstrate and maintain high quality in core work and actively help others reach their own goals. In particular, you must have a 90% or greater 4-week rolling average productivity score and a 95% or greater 8-week rolling average quality score. Demonstrate integrity, ethics, and Upstart values at all times; sets an excellent example for colleagues Demonstrate patience alongside efficiency; can triage and prioritize responsibilities, takes ownership, and drives problems to resolution Able to make judgment calls amid ambiguity and understand the cross-functional impact of decisions Preferred Qualifications Demonstrate deep knowledge of Operations procedures and processes, especially with regard to the auto products Proactively seek ways to make Operations better on a day-to-day basis Position location This role is available in the following locations: Columbus, OH Time zone requirements The team operates on the East coast time zones. In-Office requirements. You will be required to work from the Columbus office 2 days per week. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions' cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law. Columbus, OH - Anticipated Hourly Rate Range$25.48-$25.48 USD Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com ************************************************

Credit Analyst - To $40/hr - Remote - (1099/Contract) - Job # 3448Who We AreThe Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & San Antonio, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent. In fact, most of our recruiters are former bankers or accountants themselves!We know how to evaluate the very best banking and accounting talent available in the market. Whether you are a candidate seeking a new opportunity or a bank or company president trying to fill an essential position, The Symicor Group stands ready to deliver premium results for you.The PositionOur bank client is seeking to fill a Remote 1099/Contract Credit Analyst role. The successful Credit Analyst candidate will be responsible for processing daily credit transactions per the credit policy and procedures, and maintaining records and files on all credit transactions, including correspondence and documents.The opportunity has a generous hourly rate of up to $40/hr and a benefits package. (This is a remote position).Credit Analyst responsibilities include: Performing in-depth financial analysis (spreading and analyzing financial statements). Receiving data on prospective and active borrowing accounts, i.e., financial statements, tax returns, agency and credit reports, and interview and investigation sheets. Analyzing data and evaluates the short- and long-run prospects of the individual or company. Making recommendations to appropriate personnel on the granting or denying of loans. Preparing sufficient information to document recommendations, if assigned to a lending function. Suggesting a loan grade after conducting a thorough credit analysis and documentation review. Ensuring that all credit analysis activities are conducted in accordance with prescribed lending policy. Providing thorough documentation of all financial analysis work, including ratios, cash flow, and collateral analysis, and other related information. Accompanying Commercial Lenders on customer's meetings when needed. Providing leadership, on-the-job training, and technical guidance to the other credit analysts. All other duties assigned. Who Are You?You're someone who wants to influence your own development. You're looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future.You also bring the following skills and experience: Bachelor's Degree in a related field of study preferred specialized financial analysis training. Five or more years of experience as a Credit Analyst required. Experienced in preparing credit presentations. Able to manage/process/track annual reviews of the necessary credits. Thorough knowledge of current lending and loan review regulations and banking regulations, procedures, and operations. Proficient ability to analyze and interpret financial statements. Excellent written and verbal communication skills. Strong organizational skills with an eye for detail. Ability to multi-task. Adept with spreadsheet and word processing software as well as have experience working in a digital office environment. The next step is yours. Email us your current resume along with the position you are considering to:************************

Job Description Post all payments to the practice management system. Process End of Day. Perform duties, processes and functions assigned by management. . Work is conducted remotely, outside of a traditional office environment. Must be able to perform work at a dedicated work space with limited interruption or distraction, and high speed internet capability with 25 Mbps download speed/10 Mbps upload speed. ESSENTIAL FUNCTIONS · Review credit balance reports for potential refunds to insurance companies and/or patients. · Transfer patient overpayment to existing patient balance if appropriate. · Research insurance company requests for refunds and either dispute or submit as appropriate. Process refund requests for charges with missing documentation. · Monitor and work unresolved accounts and submit all refund requests for approval. · Work patient credit balances and manage insurance refund report and overpaid claims work list in Athena in a timely manner. · Report to the office location, as needed. · Perform other responsibilities associated with this position as deemed appropriate to ensure the success of the Business Office. GENERAL COMPENTENCIES DESIRED · Self-motivated, with the ability to work independently, with minimal supervision. · Knowledge of insurance terminology, CCI/bundling issues, CPT, ICD-10, HCPC and contractual agreements. · Familiarity with Medicare, Medicaid, HMO and commercial guidelines. · Ability to maintain confidentiality of patient and personnel information. · Detail-oriented paying close attention to accuracy. · Strong interpersonal skills. · Ability to be comfortable in learning and using digital tools. · Strong PC skills required to include all Microsoft applications, practice management systems and electronic health records. · Good problem solving skills required in order to maximize effectiveness and efficiency of job duties. PHYSICAL DEMANDS Requires sitting for long periods of time. Requires eye-hand coordination and manual dexterity sufficient to operate a keyboard, photocopier, scanner, telephone, calculator and other office equipment. Requires normal range of hearing and eye sight to record, prepare and communicate appropriate reports. Requires the ability to work under stressful conditions and/or irregular hours to meet deadlines. CREDENTIALS DESIRED Must have a high school diploma or equivalent education and at least one year of prior work experience in a medical business office. HOURS: Monday-Friday Orthopaedic Solutions Management is a Drug Free Workplace We are committed to maintaining a safe, healthy, and productive work environment. As part of this commitment, we operate as a drug-free workplace. All candidates will be required to undergo pre-employment drug screening and/or be subject to random drug testing in accordance with applicable laws and company policy.

Pull a daily report from Food Logic for any credit request in the following status, Credit Rejected, No Credit Requested, Restaurant Review. Add the daily report to the running list, remove any duplicate incident IDs. Pull up each incident ID within Food Logic and determine if 1) follow up with the restaurant is necessary, 2) invoice or PO data needs to be updated, 3) wrong supplier is listed, 4) wrong reason code is selected, 5) push back with the DC / Supplier is necessary, or 6) the rejection is valid. 1) Email the restaurant, FL, and TD with the additional information requested for the incident. 2) Pull the invoice or PO information from ERS or Oracle 3) Review the label within Food Logic and update the supplier 4) Update the reason code in Food Logic 5) Push back to the DC with the reason why 6) No action needed Update the running list with the action taken. Requirements: attention to detail not afraid to ask questions objective mindset M-Thrs in office with the potential to be remote on Friday

JOB TITLE: Consumer Credit Analyst IIIDEPARTMENT: Consumer Direct Lending Ops STATUS: Non-Exempt GENERAL DESCRIPTION: Consumer Credit Analyst III is responsible for performing risk analysis for complex secured and unsecured consumer loans. The Credit Analyst reviews, analyzes, and evaluates consumer loan applications and based on their judgment approve, modify or deny consistent with credit union guidelines. Consumer Credit Analyst III must clearly document and communicate the reasoning for their decision. Maintain and strengthen relationships with members, and internal/ external originators. A Credit Analyst III will mentor less senior analysts and be prepared to assist in more complex credit decisions or approve transactions outside of other's lending authority. Maintain a thorough understanding of the credit union's underwriting standards, risk philosophy, credit culture and market conditions. Exhibits good leadership ability. TASKS, DUTIES, FUNCTIONS: Review, analyze, and evaluate loan applications based on established credit union policies and apply knowledge of underwriting procedures and risk mitigation techniques to approve, counter, or deny consumer loan applications by: Review and ensure the transaction is accurate, complete and compliant. Analyze credit history to determine propensity for repayment. Analyze income and financial statements to determine ability to repay. Evaluate required documentation for accuracy and truthfulness. Apply fraud detection and prevention techniques. Utilize the credit reports to calculate key lending ratios to determine capacity, credit utilization, and Loan to Value. Ensure application request are in line with credit union guidelines, identify mitigating factors and render judgmental decisions within their designated loan authority. Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance- including bank secrecy, anti-money laundering, Fair Lending and Truth in lending laws appropriate to the position. Responsible for receiving and initiating escalated phone inquiries and must communicate and interact with originator and external business partners to provide information or reasoning regarding loan decision. Effectively address and resolve all complaints or issues raised by members, internal staff and business partners. Gather information, perform analysis, and prepare reports as directed by management. Assist with training originators regarding lending policies, process or procedures, administering lending promotional campaigns. Make recommendations and assist with updating product, policy and procedure materials pertaining to consumer lending. Assist in the preparation of training and/or lending presentations. Train personnel on lending policies and procedures. Provide work direction, feedback and training to less experienced staff. Mentor others in credit decision making and department procedures and policies. Perform upgrade validations pertaining to lending systems. Understand the use of the automated loan origination system and recommend efficiency improvements. May act as a team lead and provide performance feedback to less senior consumer credit analysts. May act as a backup in absence of Supervisor. Perform other Lending duties as assigned. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills required to interact with staff, and members to perform constructive follow up on member loan requests, inquiries, and concerns. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone. Ability to work required hours which may include weekend shifts and work hours after 6:00 p.m. Some travel may be required. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL: Management group and all levels of staff. EXTERNAL: Members and external originators. QUALIFICATIONS: EDUCATION: Successful completion of High School curriculum is required. Associates degree is preferred. EXPERIENCE: : Minimum 7 year in consumer lending, in a judgmental lending environment where LOS is used as a guide to make decisions and 4 years of experience reviewing, analyzing, evaluating loan applications and rending judgmental decisions. KNOWLEDGE/SKILLS: Strong analytical, organizational skills and attention to detail. Ability to calculate figures and amounts. Ability to use logical reasoning when interpreting facts and make objective observations, examinations, evaluations and recommendations. Remain knowledgeable on key trends in the financial services industry that impact loan quality and underwriting. Solid interpersonal, oral and written communication skills to build and maintain professional relationships with originator and members. Good leadership abilities. Extensive knowledge of consumer loan underwriting, credit analysis and reporting. Possess a high degree of integrity to use judgment to make appropriate and fair lending decisions on behalf of the credit union. Comprehensive understanding of both branch and indirect credit union lending policies. Ability to sell and promote product lines, and back up lending decisions in a way that enhance originator relationships. Time and queue management skills to effectively prioritize multiple objectives. Intricate understanding of regional lending market conditions and collateral values. Understand the use of the automated loan origination system. Operate on standard Microsoft programs and other computer operations. Stay up to date on changes within the department, organization, industry and current market conditions. Must work well in a fast paced and flexible production-oriented department. Analytical skills to include reviewing and understanding complex paystub and personal and corporate tax return documents. PHYSICAL REQUIREMENTS: Prolonged sitting throughout the workday with occasional mobility required. Corrected vision within the normal range. Hearing within normal range. A device to enhance hearing will be provided if needed. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc. Must be flexible with scheduling, including evenings, weekends, and holidays. LICENSES/CERTIFICATIONS: None Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. THIS PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE'S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION'S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME. REV. 1/9/2026

We are a fast-growing, high-achieving organization that thrives on winning. We are proud to be ranked nationally in the top 10 Banks within our asset size peer group based on financial performance. If you are seeking a place where you can have enhanced visibility, add more value, and you thrive in a dynamic and growth-focused environment, you belong at CFBank. We are agile, we work with integrity, and we hustle. For over 130 years we've been serving our communities and over the past decade have become a top performer, successfully growing our business and attracting some of the best talent out there. We are a commercial bank that offers a boutique banking experience for personal banking clients. Our unique business model offers direct access to decision-makers, great technology, great products, and competitive pricing that position our teams to go into the market and win business. About the role: This opportunity is best for candidates who have an interest in building a career in commercial lending and are seeking increased exposure, visibility, and potential impact. In this role, you will be part of a high-powered Credit team, who partners closely with our commercial sales teams across all our growing markets. Our commercial banking team is encouraged to generate a wide range of relationships spanning business banking and the middle market so expect variety in your daily work! A great opportunity to maintain an expansive skillset with direct access to executive management, all while serving a wide range of needs in local business communities. What you'll do: * Responsible for underwriting and credit analysis in the areas of commercial lending, commercial real estate lending, and credit administration. * Analyze financial records including earnings, savings, payments, and purchase of the company or individual and recommend other useful financial activity for further plans. * Compare liquidity, profitability, and credit histories of individuals or companies being evaluated with similar establishments to determine risk. * Complete loan applications, including credit analyses and summaries of loan requests, and submit for approval. * Minimize bad debt risk and maximize accounts receivable collections. * Generate financial ratios, using computer programs, to evaluate customers' financial status. * Comply with internal security policies and procedures and maintain customer confidentiality at all times. * Adhere to all regulations, policies, and record-keeping requirements. Complete all required training related to bank regulations and policies. * Accept other responsibilities and projects as requested to add value for CFBank. * Spreads financial statements for Borrower and Guarantor using the credit presentation software program. * Processes covenant testing according to procedures established by the Credit area of the Bank. Report deficiencies in covenant to management and loan officer. * Assists Credit Administration in the review of real estate appraisals and evaluations as necessary prior to loan closings. * Demonstrates proficiency in independently dealing with deadlines, managing workflow, and understanding processes in a timely manner. * Participates in weekly credit committee meetings, presents loan packages to the executive board as necessary to outline strengths/weaknesses in the deal accordingly, responding to inquiries from officers and committee members' questions. * Participates in weekly sales meetings to discuss current workflow and status of credit packages. Develops an understanding of past-due loans, discussion of pending items to note for the upcoming week. What We Offer: * Excellent Benefits Package: Top benefits include dependent coverage, generous PTO, Federal Holidays, and Paid Parental Leave for those who qualify for eligibility. * Professional development opportunities including educational/training opportunities * "Accelerated" 401k Plan and Employee Match of 50% of the first 8% deferred, available your first full month of employment with a 3-year vesting * Employee Banking Promos and Direct Deposit of payroll to CFBank Account (over 90% of our employees bank with us!) * Employee Assistance Program with a wide range of free resources such as estate planning and mental wellness resources * One of the most collaborative environments you'll find, with a team of hard-working mutually invested professionals who are excited about shared success

First Help Financial (FHF) is a fast-growing and culturally diverse company in the U.S. We provide auto loans to the underserved and care for our customers and partners with exceptional service. Through flexible financing options and tri-lingual support, we offer consumers an easier way to finance their first car. We lend to and support our portfolio which has consistently grown 30%+ each year over the last nine years. Here you will find hard-working colleagues who come from over 20 countries. We hold ourselves to the highest standards of professionalism but also enjoy our work. Our culture and benefits are geared towards making you successful in life and comfortable at work. Your Title: Credit Analyst Your Location: Anywhere within the USA - MST/PST time zones only You Report To: Underwriting Manager Your Schedule: 4 days a week 10 hours a day flexibility! Saturday and Monday 10am-8:30pm PST, (the other days will be determined by management) Your Compensation: $28.50/hr + plus quarterly bonus! Learn more about our awesome Underwriting Department About the opportunity: You will manage the application origination relationship between FHF and dealers, working methodically to develop a thorough understanding of applicants' profiles and assess risk by reviewing application information and conducting preliminary phone interviews when needed. Additionally, you are responsible for helping the team meet all monthly and quarterly origination goals by booking approved applications. This will be a full-time, remote position. What you will do: Your responsibilities include but are not limited to: Make timely and accurate credit decisions within the company's fair lending, credit, and collateral guidelines. Establish and maintain good relationships with dealers. Work with the Outside Sales team to improve app flow, look-to-book, and credit quality of our dealer partners. Negotiate with dealers to buy deals on the best possible terms for FHF while still maintaining dealer satisfaction. Follow up on deals to try to capture business and solicit dealers for new or more business. Conduct preliminary credit interviews with prospective clients to validate critical information (when applicable). Perform related administrative, clerical, or customer service duties. Other projects may apply What you bring: BA/BS degree and/or equivalent work experience required Demonstrates historical career stabilitly 1 year of previous financial or banking experience Bilingual (English/Spanish or Portuguese) Excellent communication skills Ability to multitask, self-reliant Proficient knowledge of Excel and Outlook FHF Benefits… Great Perks - We offer generous salaries, competitive health and welfare benefits (medical, dental, vision, LTD/STD, Identity theft, paid parental leave and much more), paid vacation, 401(k) match, tuition reimbursement, social activities, monthly lunches, a robust employee recognition and talent development program to enhance your career with us. Culture - We are believers in maintaining a healthy work-life balance. While we work hard and care deeply about our customers and partners, we want you to have room for your family, friends, and yourself. Growth - Company growth provides unprecedented career growth. FHF's extraordinary year over year growth in revenue and new markets provides opportunity for you to establish and develop your career growth. We engage each employee to build a career plan that benefits everyone and we have a proven record of investing in you . Diversity and Inclusion FHF is committed to building a culture that respects and embraces all walks of life, inclusive of all genders, race, culture, sexual orientation, age, and other identities. We will make accommodations when interviewing anyone with special needs.