Credit Officer remote jobs - 88 jobs

SUMMARY: A Credit Products Officer specializes in either Corporate and Industrial (C&I) or Commercial Real Estate (CRE) loan requests and is responsible for preparing complete and accurate credit analyses in a timely manner that meets or exceeds internal business partners' needs, customer expectations, regulatory requirements and leading industry practices. They are accountable for protecting the Bank by providing an unbiased and objective view of the prospective borrower and thoroughly disclosing all identified risks. In addition, this position is responsible for the monitoring and ongoing maintenance of a portfolio, while supporting one or more Relationship Managers in this endeavor. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties and special projects may be assigned. Pre-screening Activities (10% of time) * Determine Risk Ratings -- Confirm the Industry Risk Rating (IRR) and Hold Limits as well as determine Borrower's Risk Rating (BRR) using the tools / matrices provided by the bank. * Prepare Spreads -- Prepare spreads in Moody's Risk Origins (C&I) or Excel based sizing templates (CRE) to aid Relationship Manager and Line Management in determining whether to move forward with a request. Underwriting Activities (40% of time) * Determine financial information requirements -- Work with the Relationship Manager to obtain all necessary information to underwrite the credit request. * Assist in preparation of the Pre-Approval Memorandum -- Prepare the financial portion of the pre-approval memorandum to assist Relationship Manager in obtaining concurrence to issue a Term Sheet to a prospective borrower. * Determine due diligence requirements -- Prepare due diligence request for items needed to fully underwrite the credit request and forward to Loan Closing Officer for ordering of due diligence items (lien, credit, UCC, OFAC, etc.). * Perform borrower financial analysis -- Review and analyze borrower financial information including: corporate financial statements, tax returns, and accounts payable and accounts receivable aging to determine borrower financial condition and develop cash flow analysis. * Perform guarantor financial analysis -- Review and analyze personal financial information for guarantors including personal financial statements, tax returns, real estate owned schedules, and liquidity statements to determine financial strength of guarantor. * Review and analyze all 3rd party reports -- Obtain all 3rd party reports and include findings in analysis of financial condition of borrower or guarantor. * Identify and mitigate risks -- Work with Relationship Manager to identify and mitigate all risks and disclose in the credit approval memorandum. * Collaborate in credit structuring -- Work with the Relationship Manager to structure credit requests that serve the best interest of the customer and bank. * Determine borrower, guarantor and facility risk rating -- Complete all required risk rating models and analyses. * Complete Credit Approval Memorandum and electronic approval memorandum -- Draft approval narrative in MS Word and enter the deal into the approval system (e-CAM). * Assemble approval package -- Ensure that the approval package is complete and all supporting schedules / documents are included. Preview with the RM and Line Management for any corrections or changes. * Deliver the Approval Package to Credit Products Manager (CPM), Senior Credit Products Manager (SCPM) or Managing Director of Credit Products (MDCP) depending on Corporate Approval Model -- Obtain affirmation of the credit package and support of the credit request. Approval Activities (10% of time) * Deliver approval package to Credit -- Depending upon the approval authority required by the Corporate Approval Model, assist the CPM, SCPM or MDCP in the delivery of the approval package to the appropriate Credit Officer. * Document approvals -- Once the credit package is approved, ensure all approvals, in whatever approved format, are obtained and properly documented. Post-approval Activities (5% of time) * Finalize credit approval package -- Ensure package is complete and forward to assigned Loan Closing Officer in Loan Administration. * Documentation Review -- Ensure the loan documents accurately reflect the credit approval. * Credit file organization -- Ensure credit information is stored according to the Bank's file storage guidelines. * Draft Post-Approval Modification Memo -- Prepare Modification Memo to document material changes to the approved credit package, as needed. Portfolio Management Activities (30% of time) * Manage financial ticker items: Collect and review financial statements and covenant compliance and borrowing base worksheets from corporate customers. * Perform property inspections: Perform property inspections where applicable and prepare reports. * Process draw requests and extensions: Prepare and process extension requests and draw requests under approved GLOC's conducting MAC check/incurrence test if applicable. * Conduct ongoing credit assessments/reviews: Complete annual, semi-annual or quarterly reviews as required on corporate lending relationships. Prepare monthly Watch list comments and quarterly Criticized Loan Asset Reports where applicable. * Risk Rating Management: Through ongoing portfolio management, seek out early warning signs of deteriorating credit trends and make ongoing assessments relative to credit risk ratings (both positive and negative). * Research: Conduct ongoing research on industries/concepts and identify trends. * Identify cross-sale opportunities: Identify potential cross-sale situations including CRA eligible credits. * Underwrite ACH exposure: Underwrite ACH exposure for borrowing and non-borrowing clients. * Credit File Management: Perform annual review of credit files for accuracy and completeness and maintain electronic back-up of client's key financial records and documentation. * Portfolio Review: Perform ongoing (quarterly) portfolio reviews on credits of particular interest to Team Leader and Credit Administration. * Customer Service: Act as Secondary Officer to service corporate customers relative to credit servicing including participating in credit related calls with existing and prospective borrowers. Underwriting/Portfolio Management Practice Development (5% of time) * Identify opportunities -- Seek out opportunities for continuous improvement in corporate underwriting/portfolio management practices and tools. * Collaborate -- Work with cross-functional teams as needed to develop, test, and deploy underwriting/portfolio management leading practices / tools to remain competitive in the marketplace. Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.). Adheres to Bank policies and procedures and completes required training. Identifies and reports suspicious activity. EDUCATION Bachelor's Degree 4 year college degree in business related field, or other acceptable alternative field required EXPERIENCE 7-9 Years of credit experience required KNOWLEDGE, SKILLS AND ABILITIES Must have good accounting skills developed through formal college undergraduate courses (through intermediate accounting) or through acceptable alternative means such as AIB. ADDITIONAL INFORMATION Candidates residing in locations within BankUnited's footprint may be given preference.

We are changing FINANCE to finance CHANGE! Climate First Bank is a Florida Benefit Corporation, state chartered, FDIC insured commercial bank. With now three physical branches in St Petersburg, Winter Park and Mount Dora and one digital branch, we are offering a full suite of banking products including personal and business banking and loan products (solar, residential, commercial, SBA and more). We are passionate about the environment, social issues and overall leaving our communities and the world better than we found it. We want YOU to help us on this mission and are looking for exceptionally hard-working, passionate and bright new team members. We are a team of growth focused, goal-oriented and competitive individuals. We collectively work hard to achieve our mission and growth-related milestones and continue to set and exceed new goals almost daily. We love what we do, and we love working with people who are just as excited about our objectives as we are! Come join our team as a Sr. Credit Analyst to support our Credit Operations team. This remote position will be responsible for supporting lending efforts by underwriting new and renewed loans in accordance with company credit policy and sound credit practices. Works with various loan types to include corporate, commercial, industrial, and commercial real estate transactions. Participates in the underwriting of small business banking transactions with a varying level of complexity. Completes annual reviews, performs financial statement analysis, and completes debt service calculations as directed. Join us in this exciting start-up experience and take your career to a level unattainable in a traditional bank environment. We are primarily looking for candidates in FL, GA, AL, SC and NC but are open to considering other States on a case by case basis. Please send a resume to apply. Primary Functions: Spread financials for potential and existing loans. Analyze existing and potential loans. Create comprehensive loan approval packages and identify any policy exceptions. Present recommendations to senior management and credit committees. Perform required monitoring of existing loan portfolio performance. Maintain various loan related databases. Utilize Power BI to create loan reports. Secondary functions: Assist in the due diligence process for audits and exams. Manage the loan approval templates. Monitor the consumer loan automatic approval application. Ad Hoc project requests from management. Adopt and practice a commitment to social, economic, environmental, and racial justice. Demonstrate an understanding of and follow established Bank policies, procedures, and regulations, cognizant of transactions, inquiries that appear suspicious, obtaining reasonable and verifiable explanations, notifying the Compliance Officer when necessary. completion of all web-based compliance training. resolution of all issues concerning BSA report reviews of suspicious activity and or cash transactions. Specific Requirements: Bachelor's Degree required, preferably in Finance. Spreading software experience preferred. Prior banking experience preferred. Ability to complete assignments with little oversight and supervision. Strong accounting and math skills. Ability to deal with routine changes often. Ability to deal effectively and tactfully with customers, employees, and Bank management. Good organizational and communications skills. Ability to work in a fast-paced environment. Must have excellent computer skills including extensive use of Windows and Microsoft Office Programs. Physical Demands: Sustained standing and sitting; Frequent use of PC, including typing or sustained attention to monitor; Occasional lifting of basic office files or equipment up to 20 lbs. Equal Opportunity Statement: At Climate First Bank we truly believe that our people are our strength and the diverse talents they bring to our workforce are directly linked to our success. Diversity and inclusion are at the core of our values and mission. 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. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs. Equal Opportunity Employer/Disability/Veterans E-Verify Statement: This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment. Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.

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

Department Credit Employment Type Full Time Location Remote Workplace type Fully remote What you'll do: What you need: About Grasshopper Bank Grasshopper is a client-first digital bank serving small businesses, startups, and investors supporting them across the innovation economy. Our digital solutions cover small business, venture-backed companies, fintech-focused Banking-as-a-Service (BaaS) and commercial API banking platforms, SBA lending, commercial real estate lending, and yacht financing. Privately owned and headquartered in New York City, the bank is a Federal Deposit Insurance Corporation member and is an Equal Housing/Equal Opportunity Lender. We're always looking for talented, driven, visionary people to join our team. If you don't see the job that fits your skillset, please send your resume to ***************************.

Job Level: Associate Job Function: Governance & Assurance Employment Type: Full Time SMBC Group is a top-tier global financial group. Headquartered in Tokyo and with a 400-year history, SMBC Group offers a diverse range of financial services, including banking, leasing, securities, credit cards, and consumer finance. The Group has more than 130 offices and 80,000 employees worldwide in nearly 40 countries. Sumitomo Mitsui Financial Group, Inc. (SMFG) is the holding company of SMBC Group, which is one of the three largest banking groups in Japan. SMFG's shares trade on the Tokyo, Nagoya, and New York (NYSE: SMFG) stock exchanges. In the Americas, SMBC Group has a presence in the US, Canada, Mexico, Brazil, Chile, Colombia, and Peru. Backed by the capital strength of SMBC Group and the value of its relationships in Asia, the Group offers a range of commercial and investment banking services to its corporate, institutional, and municipal clients. It connects a diverse client base to local markets and the organization's extensive global network. The Group's operating companies in the Americas include Sumitomo Mitsui Banking Corp. (SMBC), SMBC Nikko Securities America, Inc., SMBC Capital Markets, Inc., SMBC MANUBANK, JRI America, Inc., SMBC Leasing and Finance, Inc., Banco Sumitomo Mitsui Brasileiro S.A., and Sumitomo Mitsui Finance and Leasing Co., Ltd. The anticipated salary range for this role is between $80,000.00 and $135,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees. Role Description * Review and challenge of credit applications submitted by the front office and the preparation / presentation of executive summaries and recommendations to the management of the Credit Department. * The coverage includes lending transactions related to Middle Market LBOs and their related financial products (derivative, hedging etc.) but also to Non-Investment Grade Large Cap borrowers with complex capital structure and leveraged loan transactions (leverage lending and/or ABL transactions). * The scope of the analysis and the review includes, but not limited to, obligor credit risk, projections, transaction background, deal structure, facility terms and conditions, US regulatory classification, profitability, and relationship strategy. Role Objectives * Analyze various elements of credit risk and transaction specifics, primarily for Middle Market obligors, and provide an effective review and challenge to the front office (line 1). * Prepare written executive summaries/comments of credit applications submitted from the front office and present to the management of the Credit Department. * Engage with front office to assist with due diligence and structuring, identify key credit risks and main credit concerns and challenge assumptions prior to formal credit submission. * Coordinate the credit approval process by liaising between the front office and the management of the Credit Department. * Provide feedback and guidance, as necessary, to business units to ensure compliance with internal policies and procedures standards. * Monitor and supervise problem assets including classified loans and present written memorandum/reports to management. * Contribute to portfolio review, loan reviews and pass watch or any special credit reviews. * Manage compliance with internal policies, workflow procedures and ensure US regulatory requirements are met in each credit application. * Stay informed about relevant regulations and industry best practices. * Other credit related work/projects as assigned. Qualifications and Skills * Minimum 3+ years of relevant work experience preferably within a credit risk function (formal credit training preferred, second line of defense). * Experience and knowledge of middle market (and non-investment grade large cap) leverage loans highly preferred. * Prior experience interacting with US Regulators (Fed, OCC or FDIC) preferred. * Ability to adapt to SMBC's credit philosophy and risk appetite. * Critical thinking to understand factors impacting portfolio creditworthiness such as economic downturn, market volatility, industry disruptions or changes in interest rates, and ability to analyze a vast and complex amount of information and quickly render credit decisions. * Risk sensitivity and ability to steer decisions through discussions with the business units. * Ability to manage significant deal volume in a fast-paced environment and analyze credit application and prepare written summary in a short timeframe and in a multitasking environment. * Strong organizational, oral, and written communication skills, with ability to communicate effectively with all levels of support and business partners. * Undergraduate degree in Finance, Business Administration or related fields. MBA/CFA or other professional qualification highly preferred. SMBC's employees participate in a Hybrid workforce model that provides employees with an opportunity to work from home, as well as, from an SMBC office. SMBC requires that employees live within a reasonable commuting distance of their office location. Prospective candidates will learn more about their specific hybrid work schedule during their interview process. Hybrid work may not be permitted for certain roles, including, for example, certain FINRA-registered roles for which in-office attendance for the entire workweek is required. SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com. Nearest Major Market: New York City

SMBC Group is a top-tier global financial group. Headquartered in Tokyo and with a 400-year history, SMBC Group offers a diverse range of financial services, including banking, leasing, securities, credit cards, and consumer finance. The Group has more than 130 offices and 80,000 employees worldwide in nearly 40 countries. Sumitomo Mitsui Financial Group, Inc. (SMFG) is the holding company of SMBC Group, which is one of the three largest banking groups in Japan. SMFG's shares trade on the Tokyo, Nagoya, and New York (NYSE: SMFG) stock exchanges. In the Americas, SMBC Group has a presence in the US, Canada, Mexico, Brazil, Chile, Colombia, and Peru. Backed by the capital strength of SMBC Group and the value of its relationships in Asia, the Group offers a range of commercial and investment banking services to its corporate, institutional, and municipal clients. It connects a diverse client base to local markets and the organization's extensive global network. The Group's operating companies in the Americas include Sumitomo Mitsui Banking Corp. (SMBC), SMBC Nikko Securities America, Inc., SMBC Capital Markets, Inc., SMBC MANUBANK, JRI America, Inc., SMBC Leasing and Finance, Inc., Banco Sumitomo Mitsui Brasileiro S.A., and Sumitomo Mitsui Finance and Leasing Co., Ltd. The anticipated salary range for this role is between $84,000.00 and $135,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees. **Role Description** SMBC is seeking an Associate with commensurate experience / skills in credit risk analysis for US subsidiaries of Japanese parent companies. + Review & challenge of credit applications submitted by the front office(s) and prepare executive summaries / written recommendations to the management of the Credit Department. It is also expected to work with front office to improve quality of credit applications to expedite the approval process. + The coverage includes lending transactions related Japanese Corporates and their related financial products (derivative, hedging etc.). + The scope of the analysis and the review includes, but not limited to, obligor credit risk, projections, transaction background, deal structure, facility terms and conditions, US regulatory classification, profitability, and relationship strategy. **Role Objectives** + Conducts required analysis of various credit risk elements for new and existing transactions for corporate credits in coordination with front office and senior management based on the solid knowledges around financial analysis and US regulatory requirements. + Prepare written executive summaries/comments of credit applications submitted from the front office and present to the management of the Credit Department. + Controls deal and credit approval process, ensures appropriate communication with all relevant parties, with adherence to credit policies and approval authorities. + Analyze client's financial performance, and continuously monitor risk events and quality of portfolio and promptly reports on key events (i.e. downgrades, event of default, etc.) to management. + Participates in the periodic meetings to review specific borrowers and sectors to support front offices to set appropriate action plans for deteriorating credits. + Engage with front office to assist with due diligence and structuring, identify key credit risks and main credit concerns and challenge assumptions prior to formal credit submission. + Other credit related tasks/projects as assigned. **Qualifications and Skills** + Minimum 3+ years of relevant work experience preferably within a credit risk function (formal credit training preferred). + Solid knowledge of market practices in corporate finance. Undergraduate degree in Finance, Business Administration or related fields. MBA/CFA or other professional qualification preferred. + Experience to handle individual accounts / deals is highly regarded. + Capability to take a standard corporate transaction from inception to approval, with some guidance and supervision where appropriate. + Ability to manage significant deal volume in a fast-paced environment and analyze credit application and prepare written summary in a short timeframe and in a multitasking environment. + Good working knowledge of credit and risk principles including corporate finance, securitization, ABL, supply chain finance, ARP, lease finance, and accounting. + High level of IT literacy, strong written and verbal communication skills (supporting preparation of succinct and focused credit papers), and strong interpersonal skills (supporting collaboration / teamwork). + Willingness to learn the Bank's structure, policies and procedures and new culture / mindset. + Strong analytical skills; detail oriented. + Good organizational skills; ability to prioritize work and manage time effectively. + Business fluency in English. SMBC's employees participate in a Hybrid workforce model that provides employees with an opportunity to work from home, as well as, from an SMBC office. SMBC requires that employees live within a reasonable commuting distance of their office location. Prospective candidates will learn more about their specific hybrid work schedule during their interview process. Hybrid work may not be permitted for certain roles, including, for example, certain FINRA-registered roles for which in-office attendance for the entire workweek is required. SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com. EOE, including Disability/veterans

We are the movers of the world and the makers of the future. We get up every day, roll up our sleeves and build a better world together. At Ford, we're all a part of something bigger than ourselves. Are you ready to change the way the world moves? The Ford Motor Credit Company (“Ford Credit”) has received the regulatory conditional approval to form Ford Credit Bank("the Bank") to be headquartered in Salt Lake City, Utah. The Bank will create innovative and simplified banking solutions to help customers across the country finance the purchase of new Ford vehicles, parts, accessories, EV Infrastructure and software and will accept deposits with competitive rates on FDIC-insured savings accounts and certificates of deposit. The Bank will be a direct and wholly owned subsidiary of Ford Credit, an indirect wholly owned subsidiary of Ford Motor Company (“Ford”). The people of Ford Credit have a 60-year commitment to helping put people behind the wheels of great Ford and Lincoln vehicles. By partnering with dealerships, we provide financing, personalized service, and professional expertise to five thousand dealers and more than four million customers in over 100 countries around the world. The proposed Bank will be a strategic addition to Ford Credit and is key to providing the capabilities needed to meet the financing expectations of Ford customers. If you're customer-focused, driven and seeking the opportunity to experience exciting challenges and growth, look no further. The successful candidate will be a member of an exciting and dynamic team of banking professionals who would have the opportunity to stand up and begin the operations of the de novo Bank. New employees hired by the bank will initially be Ford Credit employees. Once the bank is formally established, these employees may be transferred to the new bank. Come help build a better world, where every person is free to move and pursue their dreams. Ford was built on the belief that freedom of movement drives human progress. It's a belief that has fueled our passion to create great cars and trucks. And today, it drives our commitment to become the world's most trusted mobility company, designing vehicles for a smart world that helps people move more safely, confidently, and freely. Ford is experiencing significant business transformation in an ever-changing digital world. We are dedicated to delivering distinctive products and solutions, having an “always on” relationship with customers and continuously improving our user experience. In This Position… The Credit Officer will report directly to the Bank's Chief Risk Officer and will be responsible for developing, implementing, and managing all aspects of the Bank's credit risk management programs. The Credit Officer will ensure the programs function with a high level of compliance with internal policies, and federal and state regulatory expectations. The Officer is required to be knowledgeable and skilled in the areas of credit risk management and be able to independently assess associated risk and develop effective risk management programs. What You'll Have… • Bachelor's degree preferred • 10+ years of banking experience • A minimum of 2 years' experience as a Credit Officer • Advanced knowledge of lending interagency regulations and applicable state laws • Strong communication and presentation skills and proven customer service experience • Exceptional analytical skills and the ability to work with complicated financial data • Excellent organizational skills and the ability to work well under pressure both independently and collaboratively within a team environment • Strong ethical behavior and the ability to work with sensitive information • Excellent leadership skills and the ability to train and develop employees, and align them to specific objectives You may not check every box, or your experience may look a little different from what we've outlined, but if you think you can bring value to Ford Motor Company, we encourage you to apply! As an established global company, we offer the benefit of choice. You can choose what your Ford future will look like: will your story span the globe, or keep you close to home? Will your career be a deep dive into what you love, or a series of new teams and new skills? Will you be a leader, a changemaker, a technical expert, a culture builder…or all of the above? No matter what you choose, we offer a work life that works for you, including: • Immediate medical, dental, vision and prescription drug coverage • Flexible family care days, paid parental leave, new parent ramp-up programs, subsidized back-up child care and more • Family building benefits including adoption and surrogacy expense reimbursement, fertility treatments, and more • Vehicle discount program for employees and family members and management leases • Tuition assistance • Established and active employee resource groups • Paid time off for individual and team community service • A generous schedule of paid holidays, including the week between Christmas and New Year's Day • Paid time off and the option to purchase additional vacation time. This position is a leadership level 5. For more information on salary and benefits, click here: BENEFITS Visa sponsorship is not available for this position. Candidates for positions with Ford Motor Company must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire. We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, age, sex, national origin, sexual orientation, gender identity, disability status or protected veteran status. In the United States, if you need a reasonable accommodation for the online application process due to a disability, please call **************. This position is hybrid. Candidates who are in commuting distance to a Ford hub location required to be onsite four or more days per week. #LI-Hybrid#LI-MN1#FMCC What you'll do… Direct the development and execution of the Bank's credit risk management program to align with the Bank's governance framework and risk appetite, and comply with Bank policy and federal/state law and regulation Establish and maintain effective credit risk management program underwriting standards, strategies, and procedures and processes including but not limited to: consumer and commercial lending applicant underwriting standards and controlled formal exception approval and monitoring processes for each product offered by the Bank; minimum standards for the requirement of when investigation and verification of applicant and contract data is required; collection and vehicle repossession strategies, tactics, and record keeping; evaluation and oversight of external party business relationships; process for establishing accurate vehicle residual values that consider the effects of depreciation and expected market conditions and procedures to manage the end of lease term process; and management and maintenance of credit risk stress testing scenarios and processes; Approve the tools, models, and strategies used to quantify loss expectations and optimize collection resources, and to assess recovery expectations and optimize recovery resources Create minimum requirements for model performance tracking and measure the effectiveness of the scoring systems used for credit, collections, and recovery strategies on a regular basis Establish comprehensive risk reporting processes and metrics to monitor overall portfolio quality and credit performance, effectiveness of loss mitigation and collection strategies, performance and/or use of collections remedies, and policy compliance Provide independent oversight and reporting to the Board and management on key credit risks, credit risk trends, and credit risk mitigation, including regular reporting at the transaction, product segment, product, and portfolio levels on policy exception volumes, performance, credit concentrations and other analysis Maintain allowance for credit losses at appropriate levels and document its analyses in accordance with relevant concepts and requirements Conduct quarterly reviews of residual impairment to determine if an impairment reserve needs to be established or adjusted and report results Act as the primary contact for regulatory examinations, internal audits, and external audits of the credit risk management programs. Respond to exams and audit concerns and coordinate corrective action of all related findings Oversee activities of the credit risk management team, develop personnel, and collaborate with other department heads to deliver on specific objectives and initiatives Represent the Bank in civic and community reinvestment functions

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.

As a **Senior Credit Analyst** , you will play a critical role in managing credit risk for BP's Gas & Power Trading Americas business. This position involves assessing counterparty creditworthiness, structuring and negotiating credit agreements, and monitoring credit exposures to safeguard the company's financial interests in a dynamic trading environment. **Key Responsibilities** + Conduct comprehensive credit analysis of new and existing counterparties, including financial statement review, industry research, and market condition assessments. + Develop and maintain robust credit models and methodologies to quantify and monitor credit risk exposures accurately. + Collaborate with traders, legal teams, and support functions to structure and negotiate credit terms for trading agreements. + Monitor counterparty credit limits and exposures, promptly identifying and raising potential issues or breaches. + Contribute to the enhancement of internal control and compliance frameworks related to credit risk management. + Utilize data visualization tools to present complex credit risk insights to senior management. + Stay informed on market trends, regulatory changes, and economic developments impacting gas and power trading. + Perform portfolio analytics to identify concentrations, correlations, and emerging risks. + Drive continuous improvement in credit risk processes and systems through innovative solutions. + Act as a subject matter expert, providing thought leadership and mentoring junior team members. **Qualifications & Competencies** + **Analytical Thinking:** Ability to critically analyze complex financial data and identify key risks. + **Collaboration:** Proven success working with diverse teams and collaborators. + **Commodity Risk Management:** Strong understanding of commodity markets, particularly gas and power. + **Creativity & Innovation:** Skilled in developing novel solutions and improving processes. + **Data Visualization:** Proficiency in presenting complex data clearly using visualization tools. + **Internal Control & Compliance:** Solid understanding of regulatory requirements in trading environments. + **Market Knowledge:** Deep knowledge of Gas & Power Trading Americas markets, including fundamentals and pricing mechanisms. + **Market & Operational Risk:** Familiarity with market risk concepts and operational risk impacts. + **Portfolio Analytics:** Experience analyzing credit risk across diverse portfolios. + **Problem Solving:** Ability to navigate complex and ambiguous situations effectively. + **Trend Analysis:** Skilled in interpreting market sentiment and identifying emerging trends. + **Thought Leadership:** Capacity to influence discussions and drive best practices. + **Trade Discipline & Compliance:** Strong adherence to trading rules and regulations. + **Trading Fundamentals:** Solid grasp of trading concepts, instruments, and strategies. **Why join us** At bp, we support our people to learn and grow in a diverse and ambitious environment. We believe that our team is strengthened by diversity. We are committed to fostering an inclusive environment in which everyone is respected and treated fairly. There are many aspects of our employees' lives that are meaningful, so we offer benefits ( ******************************************** ) to enable your work to fit with your life. These benefits can include flexible working options, a generous paid parental leave policy, and excellent retirement benefits, among others! We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation. **Travel Requirement** Up to 10% travel should be expected with this role **Relocation Assistance:** This role is not eligible for relocation **Remote Type:** This position is a hybrid of office/remote working **Skills:** Analytical Thinking, Business Acumen, Collaboration, Commodity Risk Management, Creativity and Innovation, Curiosity, Data visualization and interpretation, Decision Making, Exposure Management, Internal control and compliance, Market Knowledge, Market Risk Management, Operational Risk, Portfolio analytics, Problem Solving, Resilience, Sentiment and Trends, Thought Leadership, Trade discipline and compliance, Trade execution and management, Trading and shipping data knowledge, Trading Fundamentals, Trading knowledge, Trading risk controls **Legal Disclaimer:** We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, socioeconomic status, neurodiversity/neurocognitive functioning, veteran status or disability status. Individuals with an accessibility need may request an adjustment/accommodation related to bp's recruiting process (e.g., accessing the job application, completing required assessments, participating in telephone screenings or interviews, etc.). If you would like to request an adjustment/accommodation related to the recruitment process, please contact us . If you are selected for a position and depending upon your role, your employment may be contingent upon adherence to local policy. This may include pre-placement drug screening, medical review of physical fitness for the role, and background checks.

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

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity This junior-level role provides essential analytical and reporting support for USAA's Real Estate Lending portfolios. You will assist in generating monthly and ad-hoc reports, including trended performance views, quarterly financial summaries, and monthly Key Risk Indicator (KRI) and Business Risk Indicator (BRI) reports. This position offers a valuable opportunity to develop your skills in risk analysis within the real estate sector, collaborating closely with team members in Capital Markets and Real Estate Servicing. As a dedicated Bank Credit Risk Analyst III, you will define guidelines and framework, uses quantitative methods to assist in the identification of credit risk, development and delivery of credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Supports initiatives to mitigate operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position will be based in San Antonio, TX. Relocation assistance is not available for this position. What you'll do: Seeks to understand industry leading practices and analytical skills to support the identification of risks and opportunities within the managed portfolio and credit risk strategies. Applies critical thinking skills to support analysis projects, identify root causes, and assist in the development of clear and concise recommendations to drive credit risk strategy development. May assist in delivering Bank credit risk strategies across lines of defense by effectively driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key stakeholders and leadership. Develops industry knowledge and competitive benchmarking to inform credit strategy development. Utilizes quantitative analysis based upon internal and external data sources to solve analytical projects. Assists with developing, managing, and presenting risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management. Performs financial risk sensitivity analysis. Creates requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended. Applies programming and analytical techniques to analyze credit data. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. Up to 2 years of business analytics experience or work focused on analysis. Developing understanding of banking regulations, risk, and compliance. Demonstrated presentation and communication skills. Basic business acumen and attention to detail and accuracy. Ability to identify issues and recommend solutions to solve problems. Basic knowledge of current analytical coding languages, such as SAS, SQL, or Python. Solid knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint. Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE, HMDA/REG C, TILA/REG Z, RESPA/REG X, FDPA, ECOA/Reg B, SCRA, BSA/AML, GLBA/REG P, Complaints. What sets you apart: Master's degree in a relevant quantitative or business field (e.g., Business, Math, Finance, Statistics, Data Analytics). Previous internship or work experience in an analytical capacity. Experience coding in SAS or Python. Compensation range: The salary range for this position is: $69,920 - $125,850 . USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on USAAjobs.com. Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA 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, or status as a protected veteran.

The Senior Commercial Credit Analyst position has primary responsibility of underwriting leveraged loans, underwriting the larger and most complex requests for commercial loans, commercial lines of credit, commercial time notes and commercial mortgages as well as managing the leveraged loan portfolio. The Sr. Commercial Credit Analyst will also be responsible to underwrite credit cards. Essential Job Functions: Underwriting loans according to the Bank s credit policy and making recommendations for approval or declination. Thorough analysis, presentation, and recommendation of loan requests to approving authorities. Underwriting leveraged loans and managing the review process for leveraged loans. May be granted lending authority and may be eligible for Officer level titles as determined by Senior Management. Assists in reviewing the Bank s policies effecting commercial lending (Commercial Credit Policy, Lending Limits Policy, etc.), and departmental procedures. Responsible for scheduling and assigning monthly renewals to the analyst team. Assist the VP, Credit Administration Manager and AVP, Commercial Credit and Portfolio Management in preparing weekly, monthly and quarterly reports as needed. May be asked to assist with any underwriting software administrative/technical issues and utilization as well as other technology utilized by the Department. Responsible for assisting management with the training of department interns and new staff. Efficient interaction with external and internal customers, accountants and other centers of influence. Knowledgeable of bank and commercial lending processes, departmental information systems and software and applicable legal, compliance, and Federal and State regulatory requirements. Competence in the Microsoft Office suite, primarily Outlook, Excel and Word. Education & Experience: BA/BS degree in Business Administration, Finance or Accounting and a minimum of 3 to 5 years of commercial credit experience. An MBA is preferred. Should have strong knowledge of the bank s credit policy, goals and expectations, and Federal and State banking regulations. Require a solid understanding of accounting practices, financial statements/tax returns and an ability to identify risk. Salary Range: $100k - $110k Rhinebeck Bank: Local. Involved. Responsible. If you are talented, motivated and can get things done, we have career opportunities for you. We are looking to hire people who want to excel. We will grow your career through coaching, mentoring and supportive management. As an Equal Opportunity / Affirmative Action Employer, Rhinebeck Bank will not discriminate in its employment practices due to an applicant's race, color, religion, sex, national origin, veteran or disability status, sexual orientation, gender identity, transgender status, or any other characteristics protected under applicable law.

Through Ownership pride, the Credit Solutions Professional enhances the overall experience for members and internal owners by exhibiting versatility and other Ideal Team Player Virtues & Attributes including an intrinsic drive to deliver the “WOW” member service experience with each encounter and by contributing to the Team's solutions focused efforts. The Credit Solutions Professional proficiently identifies and establishes strong connections between member needs and mutually valuable credit repair solutions that help members through their financial hardships in support of Northern's Mission, Vision & Strategic direction. ESSENTIAL JOB FUNCTIONS: Proactively serves as a role model and demonstrates individual commitment to Northern's Ownership philosophy by: Exhibiting high energy, a positive attitude, creativity and passion for member service. Maintaining an active, positive, professional image and reputation for Northern in the community while spreading the Ownership philosophy internally and externally. Engaging in the recommendation, research, development and implementation of enhancements to further promote Northern's Culture and the Standard of Excellence for Member Service. Keeping open communication alive by inspiring owner participation on teams, listening to owner ideas, holding meetings and publishing regular announcements. Committing to improve our engagement with local communities within our chartered areas. Proactively monitors and assists with reducing the Credit Union's overall delinquency by: Effectively collaborates with members to assess the causes of account and loan delinquency and develops tailored solutions such as payment arrangements, deferrals, due date revisions, re-aging or modification plans, and loan refinancing as warranted. Confidently communicating with members who show a negative balance, have returned checks or are delinquent borrowers for immediate procurement of past due payments. Accurately preparing accounts and attending bankruptcy meetings on behalf of the credit union when deemed appropriate. Ensuring timely ordering, reviewing, and comparing bankruptcy petitions to member's file; as well as preparing reaffirmation agreements and proof of claims as required. Consistently applying skip tracing techniques to locate and reengage members Northern has lost contact with, aiding in account delinquency recovery and loan portfolio management. Maintaining strict confidentiality in accordance with Northern's Confidentiality Policy. Effectively partner with outside vendors and attorneys to reduce overall Credit Union delinquency by: Accurately preparing and referring accounts to attorneys for legal action on foreclosures, replevins, deficiency balances and charge-offs, when applicable. Effectively selecting and coordinating repossession of assets linked to delinquent accounts. Proactively following up with credit union attorneys during legal action against debtors involving foreclosures, replevins, deficiency balances and charge-offs. Effectively reviewing State National (Insurtrak) reports and working with State National regarding members who are about to have, or have had, insurance forced placed on their accounts. Efficiently processes total loss claims received from insurance companies and reviews and processes Trustage insurance benefits, credit disability, credit life and GAP coverage. Thoroughly reviews and processes levies and restraining notices, maintaining accurate records, updating all required internal systems, and completing necessary communications. Through collaboration and team communication, ensures the overall success and growth of the Credit Solutions area through: Supporting the overall success and growth of the Credit Solutions area through collaboration and effective team communication. Assisting the Credit Solutions Manager by partnering with Career Training & Development and Owner Engagement teams to deliver training for new and existing Internal Owners. Proactively ensures processes and procedures are communicated clearly to support departmental initiatives. Collaborating with departments such as Fraud Prevention, Underwriting, Home Lending, and Member Relations to develop proactive approaches that minimize delinquencies. Effectively communicates with team members by providing feedback, sharing best practices, and fostering a positive team environment. Promoting the Northern's member-centric philosophy and demonstrates the “Standard of Excellence” by actively participating in department meetings, staying informed on organizational initiatives, and maintaining a professional presence in all interactions, including virtual communications. Contributes to Northern's Financial Wellness Program by working with Member Relations to identify members in need of credit repair and proactively building relationships through education on available products and services. OTHER JOB FUNCTIONS: Through Ownership Pride, promote Northern's Core Values throughout the organization. Promotes teamwork within the Credit Union and actively seeks solutions to issues related to member and internal owner expectations. Actively participates in other Credit Union duties, functions, committees, and events as may be reasonably requested, or on a volunteer basis. Collaborates with the Marketing Department to coordinate efforts of special promotions such as the “skip a pay” program. Provides informed, prompt, professional and accurate communication, service and support to all members and internal owners. Stays informed and maintains a working knowledge of credit union regulations, policies and procedures, products/services and delivery channels. Develops and maintains key business relationships with vendors, association groups, and other parties as necessary and appropriate in support of Credit Union programs. Participates in the future of the credit union by offering constructive suggestions that may attract new members and/or enhance product penetration. Must be technologically savvy especially as it relates to self-service options and keeps abreast of evolving consumer needs and trends. Must adapt well to new or non-traditional environments and display a commitment to the community, to increasing member engagement and to Northern's objectives. Identifies and participates in educational programs such as Cornerstone online training resources, schools and/or conferences to continually develop greater knowledge and expertise in credit solutions. Takes initiative for personal career development and seeks opportunities to learn new skills. Telecommute work environment with local travel to Northern's Relationship Centers as needed. All other duties as assigned QUALIFICATIONS, SKILLS AND EXPERIENCE: Associates degree from accredited college or university with a specialized course of study at a business or trade school in a related field is preferred. 6 months to 2 years of progressive experience in direct consumer collections is required. Experience in commercial collections is preferred. Financial Counselor Certification is preferred. Exceptional member service skills are required: positive solutions focused approach, product and service knowledge, attention to detail, and adherence to operational policies and procedures. The incumbent must be a persuasive communicator with excellent command of verbal and written presentations. Clear communication with internal and external members through verbal and written correspondence is required along with the ability to effectively develop and motivate people in one-on-one and in small group situations is essential. A significant level of diplomacy is required with a proven ability to work under pressure and remain calm in tense situations with both internal and external customers. Proven ability and maturity to handle confidential/sensitive information in a professional manner is required. Must be a high energy person who is self-motivated and results oriented and able to work in a fast paced environment. A full working knowledge and ability to utilize a broad range of PC-based software programs, including Microsoft Office Suite and other internal database programs. Physical Activities and Requirements of this Position: Finger Dexterity: Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together. Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly. Average Hearing: Able to hear average or normal conversations and receive ordinary information. Repetitive Motions: Movements frequently and regularly required using the wrists, hands, and/or fingers. Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate office equipment. Physical Strength: The employee is frequently required to stand and must be able to lift 30 lbs. on occasion. Working Conditions: No hazardous or significantly unpleasant conditions. (Such as in a typical office) Mental Activities and Requirements of this Position Reasoning Ability: Ability to apply common sense understanding to carry out detailed but uninvolved instructions and to deal with problems involving few variables. Mathematics Ability: Ability to perform basic math skills, use decimals to compute ratios, and percents, and to draw and interpret graphs. Language Ability: Ability to read a variety of books, magazines, instruction manuals, and online resources. Ability to prepare memos, reports, and essays using proper punctuation, spelling, and grammar. Ability to communicate distinctly with appropriate pauses and emphasis, correct pronunciation (or sign equivalent), and variation in word order using present, perfect, and future tenses. Compensation: The base pay range for this position is $24.99 - $31.62 per hour. Exact offers will be determined based on job-related knowledge, skills, and experience.

As a Senior Credit Analyst, you will play a critical role in managing credit risk for BP's Gas & Power Trading Americas business. This position involves assessing counterparty creditworthiness, structuring and negotiating credit agreements, and monitoring credit exposures to safeguard the company's financial interests in a dynamic trading environment. Key Responsibilities Conduct comprehensive credit analysis of new and existing counterparties, including financial statement review, industry research, and market condition assessments. Develop and maintain robust credit models and methodologies to quantify and monitor credit risk exposures accurately. Collaborate with traders, legal teams, and support functions to structure and negotiate credit terms for trading agreements. Monitor counterparty credit limits and exposures, promptly identifying and raising potential issues or breaches. Contribute to the enhancement of internal control and compliance frameworks related to credit risk management. Utilize data visualization tools to present complex credit risk insights to senior management. Stay informed on market trends, regulatory changes, and economic developments impacting gas and power trading. Perform portfolio analytics to identify concentrations, correlations, and emerging risks. Drive continuous improvement in credit risk processes and systems through innovative solutions. Act as a subject matter expert, providing thought leadership and mentoring junior team members. Qualifications & Competencies Analytical Thinking: Ability to critically analyze complex financial data and identify key risks. Collaboration: Proven success working with diverse teams and collaborators. Commodity Risk Management: Strong understanding of commodity markets, particularly gas and power. Creativity & Innovation: Skilled in developing novel solutions and improving processes. Data Visualization: Proficiency in presenting complex data clearly using visualization tools. Internal Control & Compliance: Solid understanding of regulatory requirements in trading environments. Market Knowledge: Deep knowledge of Gas & Power Trading Americas markets, including fundamentals and pricing mechanisms. Market & Operational Risk: Familiarity with market risk concepts and operational risk impacts. Portfolio Analytics: Experience analyzing credit risk across diverse portfolios. Problem Solving: Ability to navigate complex and ambiguous situations effectively. Trend Analysis: Skilled in interpreting market sentiment and identifying emerging trends. Thought Leadership: Capacity to influence discussions and drive best practices. Trade Discipline & Compliance: Strong adherence to trading rules and regulations. Trading Fundamentals: Solid grasp of trading concepts, instruments, and strategies. Why join us At bp, we support our people to learn and grow in a diverse and ambitious environment. We believe that our team is strengthened by diversity. We are committed to fostering an inclusive environment in which everyone is respected and treated fairly. There are many aspects of our employees' lives that are meaningful, so we offer benefits ( ********************************************* to enable your work to fit with your life. These benefits can include flexible working options, a generous paid parental leave policy, and excellent retirement benefits, among others! We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation. Travel Requirement Up to 10% travel should be expected with this role Relocation Assistance: This role is not eligible for relocation Remote Type: This position is a hybrid of office/remote working Skills: Analytical Thinking, Business Acumen, Collaboration, Commodity Risk Management, Creativity and Innovation, Curiosity, Data visualization and interpretation, Decision Making, Exposure Management, Internal control and compliance, Market Knowledge, Market Risk Management, Operational Risk, Portfolio analytics, Problem Solving, Resilience, Sentiment and Trends, Thought Leadership, Trade discipline and compliance, Trade execution and management, Trading and shipping data knowledge, Trading Fundamentals, Trading knowledge, Trading risk controls Legal Disclaimer: We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, socioeconomic status, neurodiversity/neurocognitive functioning, veteran status or disability status. Individuals with an accessibility need may request an adjustment/accommodation related to bp's recruiting process (e.g., accessing the job application, completing required assessments, participating in telephone screenings or interviews, etc.). If you would like to request an adjustment/accommodation related to the recruitment process, please contact us. If you are selected for a position and depending upon your role, your employment may be contingent upon adherence to local policy. This may include pre-placement drug screening, medical review of physical fitness for the role, and background checks.

About the Company Gemini is a global crypto and Web3 platform founded by Cameron and Tyler Winklevoss in 2014, offering a wide range of simple, reliable, and secure crypto products and services to individuals and institutions in over 70 countries. Our mission is to unlock the next era of financial, creative, and personal freedom by providing trusted access to the decentralized future. We envision a world where crypto reshapes the global financial system, internet, and money to create greater choice, independence, and opportunity for all - bridging traditional finance with the emerging cryptoeconomy in a way that is more open, fair, and secure. As a publicly traded company, Gemini is poised to accelerate this vision with greater scale, reach, and impact. The Department: Compliance Compliance at Gemini is a team dedicated to managing the next generation of financial crime prevention and regulatory compliance in a complex and evolving environment. We are a diverse group of technology, legal, and operational professionals who develop new approaches to solving classic problems using cutting edge tools and processes. The Role: Manager, Credit Card Compliance In this role, you will serve as a subject matter expert across consumer finance regulation, issue management and remediation, product ideation, and other domains. You will have a leading role in shaping and executing the Compliance Management System (CMS) to deliver products that put customers first in line with the requirements set forth by consumer finance regulations and key credit card partners. You will work with the Head of Compliance in managing a multitude of processes, including issue management/resolution, complaint management, annual risk assessment, new product approvals, and governance. The ideal candidate will have deep experience in consumer financial compliance at a credit card company, FinTech or other financial services company. A strong understanding of and experience with consumer regulations such as ECOA, TILA, UDAAP, FRCA, among others is required. The Regulatory Compliance Lead will have a strong aptitude for organization, applying rules and regulations in real-time scenarios as well as collaborating with inter-departmental business unit owners, and fostering a culture of compliance throughout the organization. This role is required to be in person twice a week at either our San Francisco, CA or New York City, NY office. Responsibilities: Supervise junior member(s) of the compliance team in areas of complaint management, issue management, audit findings resolution, risk assessment, and governance. Oversee the issue management process to ensure appropriate mitigation, remediation, root cause analysis, tracking, reporting and resolution. Incumbent will lead and work across all functional areas to ensure successful resolution and handling of issues. Drive the development and execution of remediation and testing plans to address issues/findings, which may include process updates, documentation and/or training. Lead the design and implementation of the risk assessment framework to provide independent, risk-based evaluation of regulatory compliance. Take a leading role in identifying, mapping out, enhancing, documenting, and rating controls and risks as part of our Risk Assessment process. Provide timely and accurate advice and guidance to the Gemini Credit Card's teams on issues arising from compliance policy areas and subject matter within the responsibility of the Compliance Department. Partner with the broader Counsel team to address emerging trends, regulations and business objectives; share information about developments in the product and Compliance program to organize efficient and transparent support across the departments. Lead responses to periodic audits, reporting requirements, regulatory examinations, and assessments. Act as contact person and liaison between department heads and senior management at Gemini as well as our Bank partner. Monitor operational processes and procedures to ensure that the company operates in accordance with applicable regulations as well as with the CMS Policy. Maintain current knowledge of applicable laws and regulations and understand regulatory impact of changes to product/service offerings. Qualifications: Bachelor degree. Juris Doctor, and /or CFE preferred. 6+ years of experience in regulated finance or fintech industry with a focus on credit card regulatory/consumer compliance. Thorough understanding of lending/credit financial services and key laws, regulations, guidance, and industry-standard practices such as UDAAP; Regulation B, E, D/DD, Z, V; SCRA; GLBA; BSA/AML; etc. and associated regulations. Strong project management, time management, and organizational skills. Excellent written and verbal English communication skills with a strong attention to detail. Proven ability to proactively, efficiently, and accurately assess risks in a fast-paced environment. Track record of creative problem-solving, excellent written and oral communication skills, and creation of strong and trusted cross-functional relationships. Interest in building the future of compliance and an owner's mindset to your work. It Pays to Work Here The compensation & benefits package for this role includes: Competitive starting salary A discretionary annual bonus Long-term incentive in the form of a new hire equity grant Comprehensive health plans 401K with company matching Paid Parental Leave Flexible time off Salary Range: The base salary range for this role is between $129,500 - $185,000 in the State of New York, the State of California and the State of Washington. This range is not inclusive of our discretionary bonus or equity package. When determining a candidate's compensation, we consider a number of factors including skillset, experience, job scope, and current market data. In the United States, we offer a hybrid work approach at our hub offices, balancing the benefits of in-person collaboration with the flexibility of remote work. Expectations may vary by location and role, so candidates are encouraged to connect with their recruiter to learn more about the specific policy for the role. Employees who do not live near one of our hubs are part of our remote workforce. At Gemini, we strive to build diverse teams that reflect the people we want to empower through our products, and we are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. Equal Opportunity is the Law, and Gemini is proud to be an equal opportunity workplace. If you have a specific need that requires accommodation, please let a member of the People Team know. #LI-ES1

Chase Auto is a leading provider of auto financing with a portfolio of more than $80 billion in assets and relationships with 75% of U.S. franchised automotive dealers. The business is part of the JPMorgan Chase franchise and serves auto dealers, consumers, and vehicle manufacturers. It offers a range of products and services to meet the financial needs of its clients from retail lending, captive financing, and floorplan products to cash management, private banking, and payment processing. As a Market Credit Manager within Chase Auto Team, you will be responsible in managing underwriters while developing strategies for Auto's profitability. Job responsibilities Develop and execute Auto's strategic business initiatives in conjunction with the Regional Credit Team. Collaborate with different partners to generate new ideas to meet volume goals as well as maximize efficiency and quality that will sustain future profitability. Manage a team of underwriters and be responsible for their performance reviews, development, scheduling, staffing, and hiring, while ensuring overall employee satisfaction. Work closely with Risk Management to ensure adherence to credit/product policies and operating procedures while balancing an acceptable risk versus reward portfolio. Export best practices to other regional markets, develop alliances with colleagues across functional lines, and proactively assist in developing and maintaining dealer relationships through integration and communication with the Dealer Relationship Managers. Perform other required duties needed to run credit operations effectively and efficiently. Required qualifications, capabilities, and skills 5+ years Auto Industry Experience 5+ Years of Auto Credit and Management Experience Results-oriented with a high level of personal initiative and proven leadership ability Strong analytical and problem solving skills Strong people management skills Excellent organizational skills, with the ability to handle multiple projects concurrently Ability to interact effectively with all levels of management, internal and external to Auto Self-motivated, creative, innovative Ability to create a positive, collaborative environment Preferred qualifications, capabilities and skills BS Degree Experience in underwriting with a solid understanding of consumer credit and applicable federal and state regulations relative to consumer lending. THIS ROLE IS HYBRID WITH 2 DAYS WORK FROM HOME AND 3 DAYS IN OFFICE.

Welcome! We're excited you're considering an opportunity with us! To apply to this position and be considered, click the Apply button located above this message and complete the application in full. Below, you'll find other important information about this position. Responsible for resolution of credit balances and refunds. MINIMUM QUALIFICATIONS: EDUCATION, CERTIFICATION, AND/OR LICENSURE: 1. High school diploma or equivalent. PREFERRED QUALIFICATIONS: EXPERIENCE: 1. One (1) year experience in a healthcare setting CORE DUTIES AND RESPONSIBILITIES: The statements described here are intended to describe the general nature of work being performed by people assigned to this position. They are not intended to be constructed as an all-inclusive list of all responsibilities and duties. Other duties may be assigned. 1. Resolves credit balances identified through Epic work queues, an internal credit balance report, billing, cash posting, or payer or patient/guarantor request. 2. Researches refund requests and recommendations as appropriate. Provides complete and accurate disputes when refunds are not warranted 3. Reviews entire guarantor record to identify accounts across all facility locations with open patient responsibilities and transfers patient payments and/or adjustments when appropriate. 4. Gathers statistics, completes reports and performs other duties as scheduled or requested. 5. Organizes and executes daily tasks in appropriate priority to achieve optimal productivity, accountability and efficiency. 6. Participates in educational programs to meet mandatory requirements and identified needs with regard to job and personal growth. 7. Attends department meetings, teleconferences and webcasts as necessary. 8. Monitors accounts to facilitate timely follow-up and payment to maximize cash receipts. 9. Provides excellent customer service to patients, visitors and employees. 10. Participates in performance improvement initiatives as requested. 11. Works with supervisor and manager to develop and exceed annual goals. 12. Maintains confidentiality according to policy when interacting with patients, physicians, families, co-workers and the public regarding demographic/clinical/financial information. PHYSICAL REQUIREMENTS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 1. Frequent walking, standing, stooping, kneeling, reaching, pushing, pulling, lifting, grasping, and feeling are necessary body movements utilized in preforming duties throughout the work shift. 2. Visual acuity must be within normal range. 3. Must be able to exert in excess of 50 lbs. of force occasionally, and/or up to 25 pounds of force frequently, and/or up to 10 pounds for force constantly to move objects. 4. Must have manual dexterity to operate keyboards, fax machines, telephones, and other business equipment. 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. 1. Exposed to high stress and constant interruptions. 2. Normal business office surroundings. SKILLS AND ABILITIES: 1. Professional interactions at all times. 2. Excellent oral and written communication skills. 3. Knowledge of medical terminology. 4. Knowledge of third party payors. 5. Knowledge of collection procedures. 6. Knowledge of ICS-9 and CPT coding. 7. Excellent Customer Service and telephone etiquette 8. Ability to use tact and diplomacy in dealing with others. 9. Demonstrated customer service relations. 10. Analytical skills necessary for problem solving 11. Knowledge of Fair Debt Collection Act. 12. Specialized courses or seminars over and above high school that are directly related to collections, medical field, hospital business office setting. 13. Ability to understand written and oral communication. Additional Job Description: Scheduled Weekly Hours: 40 Shift: Day (United States of America) Exempt/Non-Exempt: United States of America (Non-Exempt) Company: SYSTEM West Virginia University Health System Cost Center: 544 UHA Patient Financial Services

) Country: United States of America It Starts Here: Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what's possible. This is more than a strategic shift. It's a chance for driven professionals to grow, learn, and make a real difference. If you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Sr. Specialist, Pricing & Credit Model Analyst is responsible for developing pricing and risk-based models to optimize Auto loan pricing strategies. This role also involves development and maintenance of sophisticated empirical models - including credit scoring models. The position is highly quantitative in nature and requires an individual capable of taking a "hands-on" approach to data analysis. You will work closely with credit risk, finance, data science, and product teams to deliver actionable insights that balance risk, profitability, and competitiveness. This position blends strategic business problem solving with quantitative modeling expertise. You will work closely with leadership to translate complex data insights into clear business actions. Develops a thorough understanding of the firm's operations and business practices. Applies statistical techniques to analyze trends and uncover risks and opportunities relative to portfolio management and originations. Utilizes data mining and statistical techniques to develop analytic insights, sound hypotheses, and informed recommendations. Develop pricing frameworks that balance yield, risk, and volume objectives. Incorporate credit risk, customer behavior, collateral trend and market data into pricing algorithms. Develop actionable recommendations to improve underwriting strategy, portfolio performance, and credit policies. Explore opportunity to enhance Dealer Management program to grow our business with top-performing partners. Participates in the construction of complex mathematical models - including credit origination and customer behavior scorecards - which directly support critical decision-making processes. Contribute to continuous process improvements in data quality, reporting, and automation. Liaisons with IT and other internal teams to define requirements and ensure the timely and accurate delivery of data elements for analytic projects, changes to Pricing & Policy. Encapsulates analytic findings into executive-level summary documents to support senior management decision-making. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience: Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience - Required. Master's Degree Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience. - Preferred. Ph.D. Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience - Preferred. 3+ Years Analytics in Financial Services Industry or equivalent. - Required. 3+ Years Indirect subprime Auto Financial Services Industry experience. - Preferred. 3+ Years Prior experience developing credit scoring models preferred. - Preferred. Familiarity with logistic regression models, segmentation and variable reduction techniques, hypothesis testing, neural networks, design of experiments, ANOVA, decision trees, and linear regression. Prior experience working with credit bureau data preferred. Demonstrated ability to use SQL and SAS to extract data from multiple data sources. Working knowledge of Python/R preferred. Demonstrated ability to merge, concatenate, and prepare extremely large datasets for statistical analysis and mathematical model development. Demonstrated ability to create complex pivot tables in MS Excel. Ability to effectively explain advanced mathematical concepts, techniques, and analyses to a business audience. Ability to translate analysis into a clear business plan. Strong written and verbal communication skills. Ability to maintain confidentiality. Certifications: No Certifications listed for this job. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. **Location: Dallas, Texas. Hybrid role requiring up to 3 days/week in the office.** What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range: Minimum: $65,625.00 USD Maximum: $145,000.00 USD We Value Your Impact: Your contribution matters and it's recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com) Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander 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, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this . The employer has the right to revise this at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ****************** to discuss your needs.

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.