Credit supervisor work from home jobs

Salary Range: 171,018.00 - 224,700.00 Please note that the Salary Range shown is a guideline only. Salary offered may vary based on factors, including, but not limited to, the successful candidate's relevant knowledge, skills, and experience. Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. TITLE: Senior Manager, U.S. Counterparty Credit Risk DUTIES: Scotia Capital (USA), Inc. Seeks Senior Manager, U.S. Counterparty Credit Risk in New York, NY to oversee market risk exposures for covered businesses and communicate to Trade Floor Risk Management (TFRM) management on trading risks, trader sentiment and market conditions. Manage daily Profit and Loss (P&L), risk and limit reports, and engage in discussions with the global team and trading management as appropriate. Oversee the review, approval and reporting of Credit Risk Exposures, including work on stress scenarios to monitor and report potential tail risks within the client portfolio across financing books (Repo, SBL, Prime Services, OTC). Lead trading groups in a proactive manner to promote open communication between risk and trading. Oversee new product proposals and make recommendations to TFRM management on limit change requests. Analyze margin exception requests and advise TFRM management accordingly. Communicate regularly with TFRM management on trading activity, trading risk profile, trader sentiment and market developments in covered businesses, including collaborating with other Bank and Group Risk Management (GRM) stakeholders to achieve common objectives. Oversee external and internal audits, including resolution of findings. Recommend changes in valuation methodology and maintain Official Rate Source Document for covered products. Identify risk taking activities and valuation issues through oversight of P&L. Oversee enhancement and upgrade of production and risk systems. Lead and drive a customer focused culture throughout their team to deepen client relationships and leverage broader Bank relationships, systems and knowledge. Lead her team to ensure effective and efficient operations of her respective areas, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk and conduct risk, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct. Oversee a high-performance environment and implement a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment, including communicating vison/values/business strategy, managing succession, and development planning for the team. REQUIREMENTS: Master's degree or foreign equivalent in Mathematics, Computer Science or a related field and four (4) years of experience in the job offered or related occupation: analyzing large sets of unclean data with bash, Python, and C++; optimizing risk report generation system using various software engineering tools; utilizing knowledge of quantitative finance for mathematical modeling of financial risks; managing financial risk in market risk and counterparty credit risk; writing detailed process documentation of newly created systems and existing systems; liaising with different stakeholders from front to back office, to externals (auditors, regulators). Offered salary is between $171,018 and $224,700 per year, 40 hours per week. Telecommuting and/or working from home may be permissible pursuant to company policies. When not telecommuting, must report to work site. QUALIFIED APPLICANTS: Please apply directly through our website ********************************** by searching for Senior Manager, U.S. Counterparty Credit Risk & indicate job code KI072425WEB. Location(s): United States : New York : New York City Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.

Are you ready to make a difference in the world of consumer finance? At Attain Finance, we bring over 50 years of expertise in providing credit solutions across the U.S. and Canada. Our deep roots in the financial industry have empowered us to develop convenient, easily accessible financial services that meet our customers' growing needs. Join a leading consumer credit lender that thrives on innovation and collaboration, where your contributions are truly valued. Our portfolio includes distinguished brands like Cash Money , LendDirect , Heights Finance, Southern Finance, Covington Credit, Quick Credit, and First Heritage Credit. Each brand is constantly evolving to better serve our customers. Be part of a dynamic team that is shaping the future of consumer finance. Apply today and take the next step in your career with Attain Finance! At Attain Finance, managing risk is of the utmost importance to us. Our goal is to ensure we are providing access to money to underbanked consumers, while minimizing the company's financial and regulatory risk exposure. Reporting to the Director of Risk Strategy, this team member utilizes cash flow, application, and bureau data to provide analysis across various aspects of the customer life cycle including underwriting, account management and/or collections. The incumbent will be responsible for developing, designing, analyzing, and implementing underwriting and portfolio management account risk strategies. As a member of our Risk Department, you will be a part of a very dynamic, learning-oriented risk team that thrives on innovation and opportunities to spearhead the deployment of new technologies for managing the growth of Attain's lending portfolios. Responsibilities Develop credit risk strategies and enhancements for the assigned loan portfolio to improve performance (reduced defaults, increased receivables and/or revenue) Provide design and monitoring for credit risk oversight framework including development of credit risk appetite, risk metrics thresholds, and limits Proactively analyze portfolio performance at the granular level using bureau data, cash flow data, and transactional data to identify emerging credit trends and conduct root-cause analysis and isolate key performance drivers Conduct A/B tests to reduce credit risk, improve customer experience, and optimize profitability on acquisition initiatives Lead projects independently and perform ad hoc analysis as needed Operate as the subject matter expert in credit decision processes to support cross-functional teams and partner with stakeholders to ensure understanding of changes to risk factors and the underwriting/ credit decisioning flow Support Leadership in preparing reports and documentation for regulatory reviews and audit activities Interface with Modeling/Scoring team to deploy risk strategies based on new models to improve effectiveness of the model deployment process Develop and enhance the reporting structure for assigned markets/products and channels. This includes developing/modifying scoring datasets/warehouse and developing monitoring reports for use in performance tracking. Utilize relational database and/or analytical programs to create data for analysis and monitoring of strategies and models Forecast impact of strategy changes on key business performance metrics such as revenues, balances and losses Effectively coach and support teammates to identify actionable insights, suggest recommendations, and influence the direction of the business Directly supervise one or more credit risk professionals Qualifications BS or higher in a quantitative discipline (Statistics, mathematics, quantitative social science, operation management, finance, physics, ) or equivalent working experience 8+ years of professional experience in credit risk analytics. Strong knowledge in Financial Services with emphasis on risk management/analytics of open-end products Advanced experience in SQL, SnowFlake, or relational databases Working knowledge in Python, SAS,R, or other analytical tools preferred Experience in Tableau, Sigma, Power BI, or other data visualization tools preferred Solid analytical skills and an understanding of how to utilize data to target improvements, solve problems, and provide data-driven insights Strong business acumen with ability to translate analytical efforts to business results Strong organization skills and the ability to communicate effectively, both verbally and in written Exceptional problem-solving skills and ability to work effectively with minimal Comfortable working both independently and in a team environment. Base Salary: $150,000 - $185,000 The base salary range represents the low and high end of the anticipated salary range for this position based on the U.S. average. The actual base salary offered for this full-time position will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience. All full-time salaried employees are eligible for the following benefits, starting on day one: Flexible Paid Time Off Program, Medical, Dental, Vision, Life Insurance, Disability, and other voluntary coverages. You will also be eligible to participate in our 401k program, starting on the first of the month following 30 days of employment with a company match. This employer participates in E-Verify for US-based hires. #AttainFinance EEO Statement Attain Finance Supports Equal Employment Opportunity. CURO (dba Cash Money , LendDirect , Heights Finance, Southern Finance, Covington Credit, Quick Credit, and First Heritage Credit) is committed to a policy of providing equal employment opportunity to all qualified employees and applicants. This commitment is reflected in all aspects of our daily operations. We do not discriminate on the basis of race, color, sex, religion, national origin, marital status, age, disability, veteran status, or genetic information in any personnel practice, including recruitment, hiring, training, compensation, promotion, and discipline. Additionally, we do not discriminate based on any other characteristic protected by applicable state/provincial or local law where a particular employee works. In addition, it is the policy of Attain Finance to provide reasonable accommodation to qualified employees who have protected disabilities to the extent required by federal law and any state/provincial law where a particular employee works. Notice to Attain Finance job applicants: Attain Finance will never ask for your personal banking information, transfer of funds, a credit card, or for you to purchase any equipment to process a job application or for training. Authorized Attain Finance representatives' email addresses will end ********************, @curo.com, @first-heritage.com, @heightsfinance.com, *****************.

Role: Senior Credit Analyst Engagement: Full Time Salary: $100,000 - $180,000 Base Pay + Startup Equity + World Class Benefits References: We value strong references - 3 work references to corroborate your experience and skills. We will also backchannel references. About Us: Manufactured is a venture backed inventory platform. We are building the first inventory exchange for SMBs creating, making, and selling physical products around the world. We serve customers doing $1M - $100M in annual revenues in Fashion, Accessories, Healthcare, Construction Materials, CPG, Food, Electronics, Home Goods, Industrials, and Commodities. With over 2000+ vendors across 25 countries (and growing), we make the inventory cycle a breeze by handling everything from vendor discovery and negotiation to shipping, warehouse coordination, quality control, PO advances, through to collections. With over $150 million in volume powered by Manufactured since we launched in 2019, we deliver a compelling inventory partnership for fast growing SMBs. We are a post-Product Market Fit, Series A startup that is growing 850% Year on Year. There is tremendous opportunity in our ~27 person team to take ownership, make an impact, and build an extremely rewarding, accomplished career. We don't care about: Where you went to college What you studied If you've worked at blue chip companies We do care about: What you've done What you can do How you'll do it This looks like: Making success a priority: We value ownership, initiative, and tenacity Having a point of view: We hire smart people and want to hear opinions. We're low ego, and we welcome feedback and new ideas informed by data and intuition Being a good person and teammate: We all contribute to a positive, inclusive workplace. Direct communication, kindness, and integrity are non-negotiables You'll be trusted and challenged to do your best work in a fast moving, high performing environment. If this sounds like you, please read on! Manufactured is looking for a self-motivated Senior Credit Analyst who ideally has the following profile: Past experience in Asset based lending, preferably in a startup environment. Past experience with Inventory, Supply Chain, e-Commerce, wholesale, factoring, and retail. Expert knowledge of Financial Analysis, FP&A breakdown, and Data Organization Proven Ability to understand and break down potential Borrowing Capacity at a Financial level using available financial data Ability to apply Financial Analysis and Calculations to Digital Data tables Self-motivated, high integrity, strong collaborator Lifelong learner, Excited by Steep learning curves, new industries, new approaches Product driven mindset Strong problem-solving, mathematical and analytical skills Broad range and curiosity of various markets including manufacturing, sourcing and supply chain Excellent Research skills Excellent written and verbal communication skills - must be able to handle Customer diligence calls. Ability to maintain confidentiality Proficiency with computers and computer software, particularly Excel/Google Sheets High Level Expectations: Ability to work in early stage startup environment Strong Understanding of Credit Risk/ SMB business models and common obstacles Ability to work cross functionally with CEO, COO, Finance, Operations, Product and Engineering internally and with external embedded software vendors and clients Enter, update and retrieve information for financial records Determine the creditworthiness of business applicants & end obligors Designate the degree of risk involved in extending credit by performing a cash flow analysis of each business. Ensure that all approved applications comply with MFD lending criteria Ongoing, self-directed monitoring of industry trends and developments Relationship driven. Collaborative mindset and team spirit. Understand customer needs. Result oriented, over-communicative. Day to Day Responsibilities: Own end-to-end underwriting for SMB credit deals - from gathering docs and analyzing financials to running KYB/KYC checks (UCC, LexisNexis, Allianz) and assessing overall risk. Write clear, actionable credit memos with funding recommendations and present them to our internal credit committee and capital partners. Manage a growing portfolio of SMB loans, track performance, spot red flags early, and keep things on track post-close. Work directly with clients - sending LOIs, explaining terms, and helping them understand the value we bring. Package and share diligence materials with funding partners, walking them through the deal thesis, red/green flags, and overall fit. Partner closely with engineering to improve internal tools, automate manual workflows, and tighten up the credit process. Support capital raise and investor diligence efforts - fast turnarounds, clear data, and no bottlenecks. Maintain and regularly update internal models - requires expert-level Excel/Google Sheets and comfort working with complex, dynamic sheets. Build new models as we launch new products and revenue streams; support 13-week cash flow forecasting and scenario planning. Be a subject matter expert on every approved company - know their financial standing, deal terms, collateral position, and any emerging risks or delays. Must Have Experience / Skills: 3+ years experience at Credit / Asset based Lending to USA / Canada based businesses. Startup / Fintech Experience preferred Demonstrated experience working in a cross functional team. Past experience of operating systems, frameworks and implementing credit policy. Must demonstrate ability to work cross functionally within a specific industry of Inventory / Supply Chain financing. Demonstrated ability to rapidly learn a new skill / business / industry and execute complex projects with a sharp attention to detail. Proficient with Excel, Google Sheets, Adobe Suite, Google Drive, Gmail and Slack. Strong understanding of automation, AI tools and able to leverage software and AI to drive tasks. Detail oriented and highly organized. Nice to Have Experience / Skills: Startup Culture / Experience working in small, agile, fast moving teams. Prior Fintech experience. Past experience working in a fully remote team across time zones. Working at Manufactured: We're a remote first company, based in Los Angeles. Our team is around thirty people strong, and growing quickly. Manufactured is a small, fast growing startup. Which means we deal with ambiguity and require a sense of ownership from all our team members. This is reflected in our core values. Our core values are: Urgency: Always act like an owner, seek help in case of delays beyond 48 hours, move quickly when you have enough information (usually 70-75%), know when to dive in if there's a crisis, and hold true to the best possible timelines without compromising on quality, value or process. Authenticity: Be Authentic, be real, be respectful both, in front of and behind a person's back. If you are frustrated, you're frustrated. If you're stuck, you're stuck. If you're worried, you're worried. Let's support each other in resolving these issues. Be upfront and respectful in your conversation. We are a multi cultural, distributed, global team. Respectful authenticity in communication is critical. Contextual Ownership: Our business is as much about people and relationships as it is about technology and process. We take time to build relationships and understand the needs of our internal and external partners. Context and empathy helps us understand the “why”. We set goals and drive outcomes based on context and realities, rather than tasks and processes alone. Effectiveness: Did it work? Did it solve the problem? Was it a short term hack? or a long term process solution that benefits everyone? Was it something we can use to grow / move forward or was it a defensive solution. Did we meet our stakeholders' expectations, did we exceed them? Did our stakeholders all win? Are you using your time correctly? Are you helping your team members use their time well? Are you contributing to the growth of the company? Critical path thinking: "What is the shortest risk-mitigated route to the Best Potential Outcome?" Our CEO and Founder, Pranay Srinivasan, writes often on LinkedIn about our culture and operating principles. We recommend these articles in particular: Our Core Values Our operating framework: OBAS MFD Legal CCPA Notice to Job Applicants In compliance with the California Privacy Protection Act (“CCPA”), MFD collects the following categories of your personal information for the following uses: Categories of Personal Information collected: If you are a “Job applicant:” Name, Email, and other contact information such as phone, physical address, professional certifications, and prior employment. Purpose of Collecting the Personal Information: If you are a “Job applicant:” We collect your personal information in order to consider your application to be hired by us.

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

Octane is unlocking the power of financial products for merchants and consumers. Our cutting-edge technology and innovative financial products empower businesses with more control and flexibility, enabling them to deliver seamless digital experiences, drive customer loyalty, and build long-term value. Octane supports merchants throughout the sales cycle: connecting dealerships with high-intent buyers, driving transparent, fast, and easy closings with award-winning technology, and providing on-going customer care with superior loan servicing. Founded in 2014, Octane supports over 60 OEM partner brands and over 4,000 dealer partners, and has a team of over 600. Visit ************** The Senior Manager, Credit Strategy will play a critical leadership role in shaping and executing Octane's credit strategies to ensure sustainable portfolio growth within our established risk appetite. This leader will provide strategic direction and oversight of our Powersports lending partnerships, leveraging a data-driven approach to optimize underwriting, loan pricing, and credit policy design. In this role, the Senior Manager will work closely with internal stakeholders and external partners to develop and refine credit strategies that align with business objectives, enhance profitability, and strengthen portfolio performance. They will translate complex analytical insights into actionable recommendations and communicate those effectively to senior leaders across the organization. As an integral member of the Credit Strategy team, this individual will have the opportunity to make a meaningful impact on Octane's risk management practices, business outcomes, and long-term success. The ideal candidate combines deep technical expertise in data analytics and credit risk assessment with strong leadership and cross-functional collaboration skills. Responsibilities: Manage and optimize origination underwriting to ensure the portfolio performance is within risk appetite framework. Adherence to the Risk policy, standards and frameworks, and maintaining a robust control environment. Ability to perform advanced data analytics and advise the underwriting strategies for loan origination, loan amount assignment, and loan pricings that optimize profitability from end to end. Collaborate with the portfolio risk team to track credit performance and take action to manage the portfolio within the organization's risk management appetite. Take ownership of credit policy documentation and enhance policies and processes to mitigate credit risk exposure. Improve sophistication and technical implementation of current approaches. Maintain quality control and validation that risk processes are working as expected. Relationship management of risk stakeholders, including identifying relevant stakeholders, and maintenance of the quality of external third-party services. Work cross-functionally with the company's Tech, Product, Sales, and Finance teams to lead and manage new credit product initiatives that further our mission of providing convenient point-of-sale financing to niche consumer products. Provide guidance and mentorship to junior team members, fostering their growth and ensuring alignment with team objectives. Requirements: Bachelor's degree in a relevant field and at least 10 years of related experience; or a master's degree with a minimum of 6 years of related experience; or an equivalent combination of education and relevant professional experience. 3+ years experience managing and developing employees. 4+ years of Auto Lending experience in performing credit analysis including experience with data visualization tools such as Tableau / Power BI. Exceptional hands-on experience Python, SQL, Tableau and Excel. Strong overall understanding of consumer credit and lending. Proficient in a range of statistical models and methodologies, with a strong ability to assess and interpret variable importance to drive data-driven insights and decision-making. Experience taking analyses from raw data to polished recommendations and communicating complex, technical findings to broad audiences. Experience in partnership portfolio is a plus. Compensation: In addition to salary, Total Rewards include bonus eligibility, a stock option package, and benefits as outlined below. The role described above offers a base salary of $135,000 to $180,000 + bonus incentive eligibility. Your offer will be based on location, the alignment of your qualifications with the requirements of the job and internal equity Benefits: Robust Health Care Plans (Medical, Dental & Vision) Generous Parental Leave Flexible Time Off (FTO) Policy - Time Off When You Need It Retirement Plan (401k) with company match! Educational Assistance/Tuition Reimbursement up to $3K/year Life Insurance (Basic, Voluntary & AD&D) Short Term / Long Term Disability Robust Ancillary benefits including accident insurance, hospital insurance, etc Wellhub (Gympass) Wellness Benefit Powersports Safety Benefit Disclaimer: The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed. Octane Lending is an equal opportunity employer committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment. #LI-MZ1 #LI-Hybrid

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we'd love to hear from you! The Team: The Analytics team at Upstart is at the forefront of AI/ML-driven credit lending across the organization. Our team employs advanced analytical and technical prowess to deliver comprehensive support in Upstart's lending platform. The Credit Analytics team is building out foundational frameworks and infrastructures on loan performance and forecasting, market cycles and emerging trends, risk and return trade-offs, among others. We also take pride in developing our business intelligence tools to empower self-service reporting and streamlining work processes through automation. As a Senior Manager at Upstart, you will join our Credit Analytics horizontal team. In this multi-disciplinary role, you will drive strategic workstreams spanning across valuation and credit oversight, shaping and hands-on scaling our analytics processes, credit performance frameworks, and post-origination forecasting methodologies. Collaborating across Data Analytics, Machine Learning, Product, and Finance teams, you will spearhead cross-functional initiatives that embed rigorous valuation models, forward-looking credit governance, and automated processes-empowering Upstart's multi-product growth and reinforcing our market leadership in lending. How you'll make an impact: Partner with the Data Analytics vertical teams, Machine Learning, Product, Engineering, and Finance teams to shape credit metrics and narratives, financial forecast, and driving consensus in the state of Upstart platform Influence Upstart's credit platform and investor/lending community through informing decisions, opportunities, and risks, while supported by deep understanding and insights on Upstart's machine learning model, credit, and valuation Lead and develop analytics on underwriting decisions, credit monitoring, model impacts, asset forecast, and valuation modeling to conduct in-depth analyses on credit data, trends, and anomalies that drive model and product decisions Develop foundational forecast pipelines, and automated reporting to enable robust and dynamic credit intelligence for Upstart analyst community Mentor junior team members on best practices and foster a center of excellence on data, credit, and analytics Minimum Qualifications: 8+ years professional experience with demonstrated growth and leadership in technology and financial industry Experience in developing credit analytics, financial forecasting, and/or quantitative risk models with Python, R, & SQL Experience in decisioning supported by large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, & Redshift Degree in Quantitative Finance/Economics, Statistics, Engineering, Data Science or other quantitative fields Preferred Qualifications: Demonstrated ability to work collaboratively and in deep partnership with cross-functional colleagues especially in Finance, Product, Data Engineering, ML teams Ability to craft executive-ready narratives around complex business or performance topics, leveraging visualization and dashboards (e.g., Tableau, PowerBI, Looker), and to successfully influence and drive C-level decision-making Experience in SOX controlled reporting or regulatory reporting cycles Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products Experience in developing junior team members on technical subjects Position location - This role is available in the following locations: Remote Time zone requirements - The team operates on the West coast time zones. Travel requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions' cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location-with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range$182,300-$252,500 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com ************************************************

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

ARE YOU A CURRENT US FOODS EMPLOYEE? PLEASE APPLY DIRECTLY THROUGH OUR INTERNAL WORKDAY CAREER SITE Join Our Community of Food People! This position has been segmented "Remote Anywhere" meaning the work is completed 100% remote anywhere in the U.S. except Hawaii or United States Territories. Leadership through the credit function. This role will need to collaborate and negotiate with leaders at all levels and gain their trust through consistent delivery of results at an optimal level of quality. They will need to be a subject matter expert and work with others to meet our credit deliverables and service standards. This includes administering and implementing credit policy, procedures and best practices governing the credit activities. The individual will also oversee credit risk investigations, approve credit terms, and limit extensions while managing complex larger accounts.BECOME A US FOODS ASSOCIATE! Ready to build a career with a company that's leading the foodservice industry? We help YOU make it! Schedule Mon - Fri 8 am - 5 pm Eastern Time Zone Benefits: Full US Foods Benefits - DAY 1! medical, dental, vision, 401K, life insurance, and much more! US Foods is one of the largest food distributors with a culture and history of promoting from within, excellent training programs and a continuous improvement focus. ESSENTIAL DUTIES AND RESPONSIBILITIES Work Stream Responsibilities - 40% Responsible for an Accounts Receivable portfolio of 5000 customers and $50MM in annual revenue. Primary Credit liaison to the Area President and his/her team including the solicitation of feedback and fielding any escalations or questions. Collaborate and maintain strategic partnerships with an offshore management partner, ensuring seamless coordination and communication. This would also include process reviews, address inquiries, and offer guidance and direction as necessary. Participate in monthly performance review meetings and conduct formal performance appraisal(s). Ensure established training protocols are delivered for cross training support work and standardized processes for absorbing new work into the shared services model. Coach credit leadership team member(s) ensuring they are set up for success in all aspects of their role including their development for future roles. Establish expectations both quantitative and qualitative, review on an on-going basis. Meet with new Territory Managers to discuss credit expectations. Attend District and/or General Sales meetings to build trust and a collaborative network while interacting with sales. Build and foster a collaborative network within Credit Leadership, offshore management partner, sales and sales leadership and the Area/Markets with the purpose of strengthening alignment, sharing best practices, driving effective communication and culminating in the right results. Handles escalations as per matrix and best practices. Manage all facets of collection. Approve credit applications based on credit policy approval limits and matrix. Meet with credit leadership and Area teams to discuss credit expectations. People Leadership - 30% Coach underperforming associate(s), implement a Process Improvement Plan (PIP) as needed to improve performance. Oversee Supervisor function and onboarding. Develop top talent while embracing our core values. Provide coaching, best practice sharing, and identify developmental needs on an individual basis. Ensure expectations both quantitative and qualitative are set and reviewed on an on-going basis. Participate in regular performance review discussions. Foster an environment of accountability and celebrate successes. Ensure associates are set up for success in all aspects of their role including their development for future roles. Ability to work with an offshore management team with varying skill levels from people managers to entry level individual contributors. Ensure established training protocols are delivered for cross training support work and standardized processes for absorbing new work into the shared services model. Continuous Improvement/Project Delivery - 15% Standardize Credit processes utilizing automated tools where appropriate as well as fully understands and leverages this functionality to improve workflow efficiency and quality measures. Think strategically about new initiatives, participate in researching new technology selections. Deliver functional projects as assigned, focused on technology and processes relevant to our established strategic roadmap. Continuously seek opportunities for synergy, improvement, simplification and automation of existing processes, technology, reporting, etc. Conduct regular role effectiveness reviews across the function, seeking feedback from key stakeholders for continued improvement. Manage survey process for both internal and external customers to ensure satisfaction. Focus on process improvement through technology; think strategically about new initiatives, participate in researching new technology selections. Ensure best practices are identified for both process and technology through benchmarking across the team. Identify opportunities for improvement of existing functionality. Research and analyze data to draw conclusions, identify trends and uncover potential issues. Use this knowledge to develop and bring forward recommendations. Lead frontline management to be aligned with best-in-class methodologies such as quality performance, training initiatives and associate scheduling leveraged by driving operational efficiencies to improve workstream activity. Strategic Planning - 10% Build and foster a collaborative network with the purpose of strengthening alignment, sharing best practices, and driving communication. Provide thought leadership to internal customers and connect externally in the assigned region to hear the voice of the customer. Build, track and share standard KPIs. Participate in annual budgeting process while consistently driving for financial fitness as the cornerstone of effectively delivering the shared services model. Define talent strategy inclusive hiring/recruiting, performance management and succession planning aimed at securing and retaining the best talent for all roles in support of the future vision. Collaborate to build future vision for the function driven by stakeholder feedback, developing roadmaps for future technology and benchmarking in support of the vision. Ability to create and sell a business case inclusive of budgeting, required resources, and ROI. Personal Development - 5% Update to Personal Individual Development Plan (IDP) and prepare for check-ins with your leader. Engage in formal US Foods performance management process. Strive to learn and benchmark against industry trends as well as be engaged in industry peer groups. Pursue other personal learning and development initiatives. SUPERVISION: Responsible for leading a team of up to 18 associates - 1-3 direct reports and 15 Managed Services associates. RELATIONSHIPS Internal & External partners. WORK ENVIRONMENT Remote: This role is fully remote, and the associate is expected to perform assigned responsibilities from a home-based environment. MINIMUM QUALIFICATIONS 4 years' experience supervising, and leading onsite and remote associates (individual contributors and people managers) required. 5 years' experience working in Finance or Credit/Collections is required. 5 years' experience in using a variety of web based and mainframe systems to perform job activities is required. Experience facilitating presentations to internal and external stakeholders, i.e., sellers/customers. Experience developing, tracking, and utilizing KPIs to identify process improvements. Food service or similar distribution experience is desired. Intermediate MS Office skills required with highly proficient Excel skills (ability to create pivot tables, VLOOKUP required). Proficiency in using a variety of web based and mainframe systems to perform job activities (Data Warehouse databases, SharePoint & Salesforce preferred). Strong verbal/written communication and interpersonal skills; ability to effectively communicate under pressure. Strong negotiation and persuasion techniques; critical thinking skills to manage complex problem-resolution abilities with ability to influence others during negotiations; ability to analyze data and situations to draw appropriate conclusions. Ability to manage all facets of credit function for multiple Areas Ability to build and foster collaborative networks with the purpose of strengthening alignment and sharing best practices. Must possess strong emotional intelligence to build relationships with all levels of the organization. Ability to provide thoughtful leadership to internal customers and connect externally in the assigned Area to hear the voice of the customer. Ability to travel up to 10% EDUCATION High School Diploma or GED required; Bachelor's degree preferred CERTIFICATIONS/TRAINING Credit Business Associate (CBA) Certification is desired. This role will also receive: annual incentive plan bonus Benefits for this role may include health insurance, pre-tax spending accounts, retirement benefits, paid time off, short-term and long-term disability, employee stock purchase plan, and life insurance. To review available benefits, please click here: ********************************************** Compensation depends on relevant experience and/or education, specific skills, function, geographic location, and other factors as applicable by law (for example: state minimum wage thresholds). The expected base rate for this role is between $75,000 - $120,000 ***EOE - Race/Color/Religion/Sex/Sexual Orientation/Gender Identity/National Origin/Age/Genetic Information/Protected Veteran/Disability Status***

Mechanics Bank is currently searching for a Sr. Credit Review Officer to join our team. Here at Mechanics Bank, we value connection, partnership, long term relationships and working together in person. This role will be working on-site in Roseville, Walnut Creek or Irvine, California. Under the direction of the Credit Review Manager/Director, the Senior Credit Review Officer leads and executes credit reviews across various commercial and consumer lending portfolios, ensuring high standards of credit quality and compliance with internal policies and regulatory guidelines. This role provides strategic insights, mentors junior staff, and contributes to the development of credit review methodologies. The Senior Credit Review Officer is required to have advanced understanding of credit underwriting, financial analysis, loan policies & procedures, credit risk ratings and collateral valuation. The Senior Credit Review Officer will share responsibility with teammates for meeting review completion deadlines in order to adhere to Credit Review's annual plan and required portfolio coverage levels. Mechanics Bank's Credit Review function is located within the third line of defense, and Mechanics Bank is regulated by the Federal Deposit Insurance Corporation (FDIC). What you will do: * Lead credit review engagements, including planning, execution and reporting. * Conduct detailed and independent comprehensive credit file reviews and continuous review activities on assigned portfolio segments using technical subject matter expertise and knowledge. * Provide expert analysis and recommendations to Credit Review management, and share insight with the review team. * Collaborate with the review team and lending units to clarify potential credit issues and provide feedback. * Identify areas of risk and seek ways to assist the Bank in strengthening controls while mitigating risk. * Demonstrate independent judgement in evaluating accuracy of financial analysis, loan credit quality, thoroughness of risk identification, appropriateness of loan structure, support of risk rating/credit decision, policy compliance and administrative completeness. * Ensure credit reviews are performed in accordance with appropriate standards, policies and procedures, and that the quality of reviews is maintained. * Review finding remediation support, including compiling exhibits evidencing remediation. * Lead and perform special projects and thematic reviews as requested. * Coach, mentor and/or educate other staff as needed. Other duties as directed. Who you are: * 4 Year / Bachelor's Degree in Business, Finance, Accounting, Economics or a related field preferred. * Minimum of 10 years of experience in credit underwriting and lending required. * Minimum of 10 years of experience with a Federal regulatory agency, or a state banking commission, with an emphasis in commercial and business underwriting, mortgage/consumer lending, credit administration and risk management is required. * Experience with commercial credits in amounts up to $30 million. * Special Assets Management experience preferred. * Deep understanding of credit risk, regulatory requirements, and financial analysis. * Strong analytical, technical and statistical skills - including the ability to collect & interpret data and draw conclusions. * Strong process management and problem-solving skills. * Awareness of control and risk management principles. * Good interpersonal, verbal and written communication skills. Create internal peer relationships that support a culture of trust and partnership within the Bank. * Ability to work in a team environment as well as the ability to work independently. * Good organizational skills. Ability to manage high-volume workflow, prioritize appropriately and meet deadlines in a timely manner. * Uphold confidentiality and privacy of findings in all situations. * Computer skills, including Microsoft Office Suite, with advanced level proficiency with Excel. * Experience working for a publicly traded company. * Required: BAI Loan Review Certificate, or RMA/ProSight Credit Risk Certification (CRC), or Actively pursuing CRC certification. * Travel required: 0-10% #LI-ML1 Pay Range: $85,000 - $130,000 annually AIP/Bonus: Up to 15% Our comprehensive employee benefits program is designed for you to live your best life at work, home, and everywhere in between. Employees working 25 hours or more per week are eligible for health benefits effective the first day of the month following or coinciding with their date of hire. Benefits package includes[1]: * Medical, prescription, dental, and vision coverage for employees and their eligible family members * Employer paid Employee Assistance Program, Life Insurance, AD&D, and Disability benefits * Health Savings Account with employer contribution * Healthcare and Dependent Care Flexible Spending Accounts and Commuter/Parking Benefit * 401(k) and Roth 401(k) with company contribution * 529 Education Savings plan, Tuition Reimbursement Program and Student Loan Assistance Program * Supplemental Health plans, Voluntary Legal and Identity Theft Services * 11 paid holidays, paid Sick days (accrual of one hour for every 30 hours worked), up to 25 paid vacation days, and 16 hours of paid volunteer time throughout the calendar year * Free personal checking and savings account; Discounted rates on primary residence loan with $0 origination fees (restrictions apply) Final compensation package will be determined by the work experience, education, and/or skill level of the applicant along with internal equity and alignment with geographic market data. * Mechanics Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, religion, national origin, age, genetic information, veteran status, or on the basis of disability, gender identity, sexual orientation or other bases prohibited by applicable law. * Please view Equal Employment Opportunity Posters provided by OFCCP here. * To learn more about Mechanics Bank's California privacy and security policies, including your right to a Notice At Collection as a California Resident, please visit California Privacy Policy for Prospective Employees | Mechanics Bank [1] The benefits listed in this job posting reflect the Bank's most reasonable and genuinely expected benefits offered for this position.

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we're changing the way people think about and interact with personal finance. We're a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we're at the forefront. We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The role: The Senior Credit Policy Analyst is a critical contributor to the delivery, clarity, and automation of SoFi's credit policy across its Home Loans portfolio-including Conforming, Government (FHA/VA/USDA), Closed-End Seconds (CES), and Portfolio products. In this role, you will own the development, documentation, and operationalization of credit policies and underwriting criteria, ensuring they are aligned with investor requirements, digitally executable, and scalable. You will drive cross-functional collaboration, policy research, and system-level implementation-playing a hands-on role in enabling automated, risk-aligned lending across SoFi's ecosystem. What you'll do: Policy Development & Execution Develop and maintain credit policies across SoFi's product lines based on investor guidelines and internal strategy Collaborate with stakeholders to digitize and automate policies (especially income analysis, asset rules, and credit requirements) Draft and publish internal policy guides, overlays, and operational procedures Research & Competitive Intelligence Lead research efforts on investor/agency bulletins and market shifts Summarize investor announcements (Fannie Mae, Freddie Mac, FHA, VA, USDA, and aggregators) with application recommendations Compile research memos and clarification documents for leadership review and use Cross-Functional Credit Delivery Support Act as the tactical product owner for credit policy execution Translate policy changes into decision logic for credit rules engines and Encompass LOS Support UAT testing and release validation for policy-driven changes Communication & Documentation Draft credit policy communications and contribute to operating procedure manuals, job aids, and playbooks Ensure version control and audit trail adherence for all policy changes and supporting research Provide written responses to internal stakeholders, Capital Markets, and investor partners on guideline interpretation and intent Escalations & Inquiries Serve as the first point of contact for policy questions and exception reviews Identify themes in escalations to inform future policy enhancements Investor Engagement & Audit Readiness Support investor guideline vetting and acceptability requests Ensure all policy activity meets compliance, audit, and risk governance standards What you'll need: Bachelor's degree or equivalent combination of education and experience 10+ years of residential mortgage experience, with a focus in underwriting, credit policy, or credit risk Deep knowledge of Conventional, FHA, VA, USDA, Home Equity, Non-Agency, Non-QM loan programs Experience developing and maintaining credit guidelines, overlays, and investor-facing documents Strong understanding of income analysis rules and how to digitize underwriting logic Familiarity with Encompass LOS and credit decisioning systems Excellent writing, prioritization, and problem-solving skills Proficiency in Microsoft Word, Excel, and Outlook Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate's experience, skills, and location. To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page! SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law. The Company hires the best qualified candidate for the job, without regard to protected characteristics. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. New York applicants: Notice of Employee Rights SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com. Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time. Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

Varo is an entirely new kind of bank. All digital, mission-driven, FDIC insured and designed for the way our customers live their lives. A bank for all of us. Varo Bank, the first all-digital national bank, is seeking a creative and data-driven Credit Strategy Director to lead the development and launch of our next generation of consumer lending products. This is a high-impact, strategic role for someone passionate about using data to solve complex problems. You will translate Varo's vision into customer-centric and profitable credit strategies. We are looking for an innovator who thrives in a fast-paced, mission-oriented environment to help revolutionize consumer banking.What you'll be doing Lead Credit Strategy for New Products: Develop and implement credit strategies for new products, including underwriting, pricing, and credit policies from ideation to post-launch monitoring Analyze and Optimize: Conduct deep-dive analyses of KPIs to identify trends and understand portfolio performance. Propose and implement data-driven policy changes to improve risk-adjusted returns and customer experience Drive Experimentation: Design and execute A/B tests to optimize credit policies, user experience, and risk controls Inform and Influence: Present analysis and strategic recommendations to key stakeholders and executive leadership Collaborate Cross-Functionally: Partner with Product, Engineering, Data Science, Marketing, Operations, and Legal teams to deliver best-in-class, compliant credit offerings Champion Best Practices: Build and maintain monitoring dashboards and develop performance tracking to ensure proactive risk management You'll bring the following required skills and experiences 8+ years of experience in consumer credit risk management or credit strategy, preferably at a fintech or major financial institution Strong understanding of the consumer credit lifecycle, including origination, underwriting, fraud, and collections. Experience with traditional and alternative credit bureau data is essential Ability to translate business problems into a data-driven approach, including hypothesis testing and root cause analysis Advanced expertise in data analysis and manipulation using SQL or Python Experience with advanced statistical techniques and a solid understanding of relational databases Strong ability to independently identify and solve problems in a fast-paced environment Education: Bachelor's or Master's in a quantitative field like Computer Science, Economics, Math, Statistics, or Engineering Experience with machine learning models in a credit risk context is a plus Familiarity with business intelligence tools like Tableau or Looker is a plus Experience at a high-growth fintech or tech startup is a plus We recognize not everyone will have all of these requirements. If you meet most of the criteria above and you're excited about the opportunity and willing to learn, we'd love to hear from you! About VaroVaro launched in 2017 with the vision to bring the best of fintech into the regulated banking system. We're a new kind of bank - all-digital, mission-driven, FDIC-insured, and designed around the modern American consumer. As the first consumer fintech to be granted a national bank charter in 2020, we make financial inclusion and opportunity for all a reality by empowering everyone with the products, insights, and support they need to get ahead. Through our core product offerings and suite of customer-first features, we aim to address a broad range of consumer needs while profitably serving underserved communities that have been historically excluded from the traditional financial system. Learn more about Varo by following us:Facebook - ********************************** Instagram - ************************** LinkedIn - ***************************************** Varo is an equal opportunity employer. Varo embraces diversity and we are committed to building teams that represent a variety of backgrounds, perspectives, and skills. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Beware of fraudulent job postings!Varo will never ask for payment to process documents, refer you to a third party to process applications or visas, or ask you to pay costs. Never send money to anyone suggesting they can provide work with Varo. If you suspect you have received a phony offer, please e-mail ********************* with the pertinent information and contact information. CCPA Notice at Collection for California Employees and Applicants: ****************************************

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

SUMMARY: The OPX Credit Officer ("CO") role works with the Director of Credit Products and a Senior Credit Officer to ensure safety and soundness of the company's lending activities. This role primarily supports the Retail Banking, Business Banking, and Commercial Banking Lending Divisions. The CO provides preconsults to the sales partners and conducts thorough reviews of credit and portfolio management requests presented for approval that comply with Bank procedures and industry leading practices. They are accountable for the timely delivery of the appropriate credit decision and/or review. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties and special projects may be assigned. Credit Review and Approvals: * Reviews and approves new money requests in addition to annual reviews, renewals, modifications, extensions and other ongoing portfolio management approvals required. * Exercises prudent credit judgment through individual loan authority assigned by Credit Risk Management Committee, as approved by the Board of Directors. * Assists Retail Bankers, Business Bankers, Commercial Bankers, SBA Business Development Officers and other assigned lenders in structuring loan transactions and approving credit within assigned lending units. * Participates in deal discussion meetings and exercises individually assigned authorities in each setting, inclusive of evaluating the approval or decline of new money requests and policy exceptions within individual loan authority. * Helps to ensure safe and sound lending practices through ongoing monitoring of the loan portfolios within assigned lending programs and industries and observance of market trends that may impact credit quality. * Responsible for proactive, self-initiated pipeline management of requests submitted for Credit Officer. SBA: * Assists in maintaining SBA & USDA Credit Policy and Procedures oversight responsibility, with recognition of BU Credit Policy and Procedural governance, where SBA Policy is silent to specific areas of guidance. Enhances soundness and SBA training tools with the Policy, including establishing tolerances for risk layer and underwriting specific product or industry types. * Assists CPO with loan structuring and SBA eligibility analysis, as required. * Assures proper use of standard SBA templates as detailed in the respective Procedural manuals and SBA SOP. * Adheres to and complies with current SBA SOP. Training and Development: * Facilitates periodic training to the lending teams, Credit Products Officers and Credit Products Managers. * Provides mentoring to Credit Products Officers and Credit Product Managers to foster aligned approach to credit risk and guidance. * Reinforces, to the lending staff and support staff, a culture to manage the underwriting process and credit files appropriately. Other: * Assists Director of Credit Products in proposing updates to credit policy and procedures of the Bank. * Supports and delivers credit training as requested by Director of Credit Products or Senior Credit Officer. * Participates in projects as assigned by Management. * Minimal travel may be required for training and meetings, as required by the Bank. 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 required EXPERIENCE 5+ years of commercial credit underwriting experience required Supervisory experience preferred Additional experience in SBA lending preferred CERTIFICATES, LICENSES, REGISTRATIONS Formal Credit Training preferred KNOWLEDGE, SKILLS AND ABILITIES Accounting skills through formal education, AIB, or prior work experience. ADDITIONAL INFORMATION Candidates residing in locations within BankUnited's footprint may be given preference. #GoForMore

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.

A position at White Cap isn't your ordinary job. You'll work in an exciting and diverse environment, meet interesting people, and have a variety of career opportunities. The White Cap family is committed to Building Trust on Every Job. We do this by being deeply knowledgeable, fully capable, and always dependable, and our associates are the driving force behind this commitment. Job Summary Responsible for notifying customers of delinquent accounts to solicit payment. Receive payment and post to customer's account. Maintain records of collection and status of accounts. Major Tasks, Responsibilities and Key Accountabilities •Performs a wide variety of credit and collection functions for larger or more complex accounts. •Ensures compliance with established guidelines, guidelines reviews and monitors credit sources, credit files, customer applications and delinquent accounts. •Compiles and maintains basic credit information about financial status of customer and status of collection efforts. •Maintains records on credit risks, delinquent accounts and incomplete files. •Ensures compliance with established guidelines. •Performs other duties as assigned. Nature and Scope May modify processes to resolve situations. Under limited supervision, relies on experience and exercises independent judgment to determine the best approach to achieve desired outcomes. Course of action is often determined by interpreting procedures and policies. Work typically involves periodic review of output by a supervisor or direct customers of the process. Is sought out and/or assigned to provide general guidance/direction, training, and technical assistance to junior level support personnel. Contributes to employees' professional development but does not have hiring/firing authority. Work Environment Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable. Most of the time is spent sitting or standing in the same location and/or there may be a need to stoop regularly or move/lift light material or equipment (typically less than 8 pounds). Typically requires overnight travel less than 10% of the time. Education and Experience Technical certification or associate degree may be required in some areas. Generally 5-7 years of experience in a related area of responsibility. Preferred Qualifications 5-7 years B2B Credit and Collections - REQUIRED Construction industry with lien and bond rights knowledge - Preferred Accounts Receivable Credit Analysis and Reconciliations Customer Service/Relationship Building Intermediate Excel skills Tech savvy This position may be remote, or hybrid based on location. Eligible candidates residing in the greater Atlanta area will be asked to work two days a week in our Doraville, GA Field Support Center. If you're looking to play a role in building America, consider one of our open opportunities. We can't wait to meet you.

Exceed the expectations of our residential mortgage borrowers & business partners through superior service, simple processes, and effective communications. We deliver on this mission by empowering our employees by encouraging and recognizing superior performance and innovative solutions, by promoting teamwork and divisional cooperation. Primary Function The Supervisor Commercial Loans is a seasoned collections supervisor with prior management, mortgage, and Commercial experience. This individual will be responsible for the Commercial/Bridge Collections. Direct Reports * Team Lead Collections * Commercial Loan Consultant Principal Duties List of required duties below. Distinguish on-site duties with a *. * Responsible for maintaining staff. * Provides guidance, leadership, and mentors personnel to develop and reinforce skills and effectiveness. * Understanding all products, services, procedures, and guidelines and communicate the same to all team members. * Monitors inbound Commercial call production and performance results involving Loss Mitigation options and resolutions on Commercial/Bridge loans. * Understanding historical data of payment history and notes to determine a resolution for delinquency. * Understanding and reviewing the Client Matrix to know what assistance can be offered. * Reviews commercial list for ACH's that have not drafted and researching the issues. * Reviews list for upcoming maturity dates and reaches out to portfolio manager to get a plan of action. * Recognizing what workout plan would benefit the borrower and knowing the process, short sales, modifications, forbearances, extensions, repayment plans, etc. * Reviews documents to determine whether they meet eligibility requirements for assistance. * Reviews the Client Matrix to understand what can and cannot be offered to the borrower to assist with curing the delinquency. * Reviews resumes and completes interviews to fill open positions. * Proper documentation: detailed record of all customer communications, payment plans and future resolutions. * Communicates daily with workforce management regarding calls holding, dialer calls left to complete, when to start and stop campaigns, agents break and lunch schedules, etc. * Reviews feedback provided by portfolio managers and/or clients and implementing changes or coaching as needed. * Reviews and follows up on supervisor call backs. * Reviews and completes escalation complaints. * Ensures representatives stay within defined production expectations (e.g., inbound call loop, etc.). * Corrects errant activity and when appropriate provides feedback. * Tracks daily results of work efforts to assure required levels of production and efficiency are achieved including ensuring the shared Commercial email boxes and voicemail boxes are handled daily. * Communicates daily with portfolio managers and/or clients for situational needs or escalations. * Able to professionally communicate with portfolio managers, other supervisors, and management team members to support agents and maximize customer satisfaction. * Reviews list that agents have worked to ensure the agent has followed protocol for attempts. * Resolves Human Resources issues, as necessary. * Updates commercial connection website with information regarding client updates. * Monitors employee timecards for discrepancies and corrects as needed. * Assists audit department by doing random sample audits of account records. * Supplements the efforts of our Audit Personnel by randomly monitoring some live calls. * Monitors auto-dialer campaigns and collector's manual calling efforts. * Reviews and submits monthly bonus information. * Identifies process issues and suggests improvements and/or changes. * Performs related duties as assigned by management. * These essential functions are fundamental to the role, and must be performed on-site, as they cannot physically be performed remotely. In addition, the Company has determined that an in-person presence is important to critical components of our work, including oversight, training, collaboration, and productivity. Items not marked (*) as essential on-site may still require partial on-site work to perform the role satisfactorily. Education and Experience Requirements * High school diploma or equivalent, required. * Bachelor's degree, preferred. * 6+ years' experience in finance, collections, commercial, customer service, or a related industry. * Previous management experience. Knowledge, Skill, and Ability Requirements * This individual must be flex-able and able to work different hours/shifts if needed. * Must be a good motivator, self-driven, willing to do what it takes to "get the job done". * Managerial skills including strong organizational, communication, and leadership skills. * Ability to train and motivate employees. * Ability to manage data to maximize work efforts and multitask. * Excellent overall computer skills including Excel, email, and written skills. * Proficiency with technology, computers, software applications and phone systems * Ability to remain calm and professional during difficult situations. While this description is intended to be an accurate reflection of the position's requirements, it in no way implies/states that these are the only job responsibilities. Management reserves the right to modify, add or remove duties and request other duties, as necessary. By applying to this position candidate acknowledges that this is not a remote role and is required to be on-site. Additional Information: While this description is intended to be an accurate reflection of the position's requirements, it in no way implies/states that these are the only job responsibilities. Management reserves the right to modify, add or remove duties and request other duties, as necessary. All employees are required to have smart phones that meet Company security standards with the ability to install apps such as Okta Verify and Microsoft Authenticator. Employment will be contingent on this requirement. Company Benefits: Newrez is a great place to work but we are only as strong as our greatest asset, our employees, so we believe in rewarding them! * Medical, dental, and vision insurance * Health Savings Account with employer contribution * 401(k) Retirement plan with employer match * Paid Maternity Leave/Parental Bonding Leave * Pet insurance * Adoption Assistance * Tuition reimbursement * Employee Loan Program * The Newrez Employee Emergency and Disaster Fund is a new program to support our team members Newrez NOW: * Our Corporate Social Responsibility program, Newrez NOW, empowers employees to become leaders in their communities through a robust program that includes volunteering, philanthropy, nonprofit grants, and more * 1 Volunteer Time Off (VTO) day, company-paid volunteer day where all eligible employees may participate in a volunteer event with a nonprofit of their choice * Employee Matching Gifts Program: We will match monetary employee donations to eligible non-profit organizations, dollar-for-dollar, up to $1,000 per employee * Newrez Grants Program: Newrez hosts a giving portal where we provide employees an abundance of resources to search for an opportunity to donate their time or monetary contributions Equal Employment Opportunity We're proud to be an equal opportunity employer- and celebrate our employees' differences, including race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, and Veteran status. Different makes us better. CA Privacy Policy CA Notice at Collection

Exceed the expectations of our residential mortgage borrowers & business partners through superior service, simple processes, and effective communications. We deliver on this mission by empowering our employees by encouraging and recognizing superior performance and innovative solutions, by promoting teamwork and divisional cooperation. Primary Function The Supervisor Commercial Loans is a seasoned collections supervisor with prior management, mortgage, and Commercial experience. This individual will be responsible for the Commercial/Bridge Collections. Direct Reports Team Lead Collections Commercial Loan Consultant Principal Duties List of required duties below. Distinguish on-site duties with a *. Responsible for maintaining staff. Provides guidance, leadership, and mentors personnel to develop and reinforce skills and effectiveness. Understanding all products, services, procedures, and guidelines and communicate the same to all team members. Monitors inbound Commercial call production and performance results involving Loss Mitigation options and resolutions on Commercial/Bridge loans. Understanding historical data of payment history and notes to determine a resolution for delinquency. Understanding and reviewing the Client Matrix to know what assistance can be offered. Reviews commercial list for ACH's that have not drafted and researching the issues. Reviews list for upcoming maturity dates and reaches out to portfolio manager to get a plan of action. Recognizing what workout plan would benefit the borrower and knowing the process, short sales, modifications, forbearances, extensions, repayment plans, etc. Reviews documents to determine whether they meet eligibility requirements for assistance. Reviews the Client Matrix to understand what can and cannot be offered to the borrower to assist with curing the delinquency. Reviews resumes and completes interviews to fill open positions. Proper documentation: detailed record of all customer communications, payment plans and future resolutions. Communicates daily with workforce management regarding calls holding, dialer calls left to complete, when to start and stop campaigns, agents break and lunch schedules, etc. Reviews feedback provided by portfolio managers and/or clients and implementing changes or coaching as needed. Reviews and follows up on supervisor call backs. Reviews and completes escalation complaints. Ensures representatives stay within defined production expectations (e.g., inbound call loop, etc.). Corrects errant activity and when appropriate provides feedback. Tracks daily results of work efforts to assure required levels of production and efficiency are achieved including ensuring the shared Commercial email boxes and voicemail boxes are handled daily. Communicates daily with portfolio managers and/or clients for situational needs or escalations. Able to professionally communicate with portfolio managers, other supervisors, and management team members to support agents and maximize customer satisfaction. Reviews list that agents have worked to ensure the agent has followed protocol for attempts. Resolves Human Resources issues, as necessary. Updates commercial connection website with information regarding client updates. Monitors employee timecards for discrepancies and corrects as needed. Assists audit department by doing random sample audits of account records. Supplements the efforts of our Audit Personnel by randomly monitoring some live calls. Monitors auto-dialer campaigns and collector's manual calling efforts. Reviews and submits monthly bonus information. Identifies process issues and suggests improvements and/or changes. Performs related duties as assigned by management. *These essential functions are fundamental to the role, and must be performed on-site, as they cannot physically be performed remotely. In addition, the Company has determined that an in-person presence is important to critical components of our work, including oversight, training, collaboration, and productivity. Items not marked (*) as essential on-site may still require partial on-site work to perform the role satisfactorily. Education and Experience Requirements High school diploma or equivalent, required. Bachelor's degree, preferred. 6+ years' experience in finance, collections, commercial, customer service, or a related industry. Previous management experience. Knowledge, Skill, and Ability Requirements This individual must be flex-able and able to work different hours/shifts if needed. Must be a good motivator, self-driven, willing to do what it takes to "get the job done". Managerial skills including strong organizational, communication, and leadership skills. Ability to train and motivate employees. Ability to manage data to maximize work efforts and multitask. Excellent overall computer skills including Excel, email, and written skills. Proficiency with technology, computers, software applications and phone systems Ability to remain calm and professional during difficult situations. While this description is intended to be an accurate reflection of the position's requirements, it in no way implies/states that these are the only job responsibilities. Management reserves the right to modify, add or remove duties and request other duties, as necessary. By applying to this position candidate acknowledges that this is not a remote role and is required to be on-site . Additional Information: While this description is intended to be an accurate reflection of the position's requirements, it in no way implies/states that these are the only job responsibilities. Management reserves the right to modify, add or remove duties and request other duties, as necessary. All employees are required to have smart phones that meet Company security standards with the ability to install apps such as Okta Verify and Microsoft Authenticator. Employment will be contingent on this requirement. Company Benefits: Newrez is a great place to work but we are only as strong as our greatest asset, our employees, so we believe in rewarding them! Medical, dental, and vision insurance Health Savings Account with employer contribution 401(k) Retirement plan with employer match Paid Maternity Leave/Parental Bonding Leave Pet insurance Adoption Assistance Tuition reimbursement Employee Loan Program The Newrez Employee Emergency and Disaster Fund is a new program to support our team members Newrez NOW: Our Corporate Social Responsibility program, Newrez NOW, empowers employees to become leaders in their communities through a robust program that includes volunteering, philanthropy, nonprofit grants, and more 1 Volunteer Time Off (VTO) day, company-paid volunteer day where all eligible employees may participate in a volunteer event with a nonprofit of their choice Employee Matching Gifts Program: We will match monetary employee donations to eligible non-profit organizations, dollar-for-dollar, up to $1,000 per employee Newrez Grants Program: Newrez hosts a giving portal where we provide employees an abundance of resources to search for an opportunity to donate their time or monetary contributions Equal Employment Opportunity We're proud to be an equal opportunity employer- and celebrate our employees' differences, including race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, and Veteran status. Different makes us better. CA Privacy Policy CA Notice at Collection

Transfer Nurse (RN), Transfer Center Job Type: Full-time | Nights (7a-7p) Who We Are: Access Point is a leading provider of healthcare-focused call center and telehealth solutions and is part of Lifepoint Health, a diversified healthcare delivery network committed to making communities healthier with acute care, rehabilitation, and behavioral health facilities from coast to coast. From your first day to your next career milestone-your experience matters. As we work to support physicians, health systems, ACOs, FQHCs, municipalities and healthcare technology firms, our goal is to put the patient at the center of care and deliver exceptional service and value. We interact with more than two million patients annually, and our unique combination of both clinical and non-clinical services allows us to deliver the right resource at the right time to improve the patient's medical journey and experience. Access Point's offerings are available nationwide to help improve the health and well-being of the populations we serve. People are our passion and purpose. Where We Are: Why Choose Us: Health (Medical, Dental, Vision) and 401K Benefits for full-time employees Competitive Paid Time Off Employee Assistance Program - mental, physical, and financial wellness assistance Tuition Reimbursement/Assistance for qualified applicants Advancement opportunities with responsive, supportive leadership Continuing education opportunities And much more… Position Summary: The Telephonic - Access Point Behavior Health Transfer Center Supervisor- Nurse (RN/LPN) is responsible for Access Point Behavior Health Transfer Center team members ensuring they are providing the highest level of customer service to callers. The Supervisor will use the appropriate procedures, tools, and resources to assist with call volume or managing inbound cases. The Supervisor will use the appro-priate procedures, tools, and equipment to support, training, and coach the staff as needed. Telephonic - Access Point Behavior Health Transfer Center Supervisor- Nurse (RN/LPN) plays a major part in acting as a liaison between internal and external customers by providing best customer service and advocate patient centric care by assisting with timely transfers. ESSENTIAL FUNCTIONS: To perform this job, an individual must perform each essential function satisfactorily with or without a reasonable accommodation. • Oversee all aspects of department activities on daily basis by giving direction to Team leads and be the liaison between leadership and frontline staff advocating for consistency and standardization of the processes. • Provide ongoing efficient communication to the staff by being an extension of the Manager. • Stays up to date with all departmental procedures, protocols, and communications to ensure ad-herence of appropriate process for final referral resolution. • Motivate and encourage agents through positive communication and feedback. • Monitor department performance objectives, meet standards, and ensure customer satisfaction goals are met. • Trains and educates transfer center staff on standard protocols and customer service best practice. • Collaborate and monitor while working with education team to prepare and deliver new and ongoing training for staff using the most up-to-date information. • Act as a resource for all team members including: Clerks, Coordinators (RN, LPN, Paramedic, EMTs, Social workers, and Non- Clinical). • Monitor queue(s)and track inbound/outbound calls. Keep staff aware of inbound/outbound calls, calls waiting, abandonment rate, etc. through the shift. Provide coverage as needed by holding self and staff accountable in their roles. • Collaborate with Work Force Management by managing productivity goals set by the department by holding staff accountable during their shifts with the breaks, meal breaks etc. • Responsible for resolving problems and complaints in real time. Assist with escalated calls as needed. • Hold staff accountable with the ongoing education being offered and delivered with most up-to-date information. • Identify frequently encountered problems/questions/solutions and work with appropriate person-nel to provide best service. • Meets with staff on bi-weekly/monthly basis to provide ongoing feedback focusing on KPI and overall performance goals for department and individuals. • Assist Manager/ Director with employee annual performance review by giving consistent feed-back about individual staff. • Work to consistently have tools and aides for employees that are accessible, accurate and cur-rent to ensure that Access Point Behavior Health Transfer Center staff receive the appropriate support and training to apply the best skills and knowledge on the job. • Continually enhance knowledge and awareness of industry standards, trends, and best practices to strengthen organizational knowledge and the Access Point Behavior Health Transfer Center. • Create and maintain files on each designated employee as they relate to attendance, production, and reviews. • Assist manager/director by conducting candidate interviews, offering input into the hiring deci-sion. • Maintain departments policies and procedures, reviewing and updating as needed. • Actively participate in special projects as needed and be change agent for new processes and tools to the team. • Continuously monitor department processes and recommend to management new and innovative ideas for service improvement. • Competent in the application of Medical Necessity criteria. • Educates nurses, physicians, and ancillary staff in level of care and admission/transfer issues/ opportunities. • Through effective and professional communication, acts as a liaison between and with physi-cians, patient / family, hospital staff and patient care areas, outside agencies to promote effi-cient patient flow. • Demonstrates knowledge of regulatory requirements, EMTALA, Lifepoint Health Ethics and Compliance policies and quality initiatives. Monitors team-compliance and implements process changes to ensure compliance to such regulations and quality initiatives as they relate to the provision of Access Point Behavior Health Transfer Center. • Tracks and trends barriers to patient flow, makes recommendations and develops action plans to improve processes and systems. • Engages in departmental “team” approach to ensure all elements are communicated (both written and verbal) to facilitate patient transfer and/or throughput. • Adheres to established protocol, procedure, and standard of care, escalates issues through the established Chain of Command in a timely manner. • Must be able to multitask by attentively listen and simultaneously type 38-40 wpm. • Must meet Internet speed requirements: Upload 50 or more; Download 100 or more. • Must have clear understanding about the Access Point Behavior Health Transfer Center Key per-formance indicators and be a part of the Access Point Vision to reach the goals. • Telephonic - Access Point Behavior Health Transfer Center Supervisor- Nurse (RN/LPN) will consistently work in rapid change environment. ADDITIONAL INFORMATION: • Reports to: Access Point Behavior Heath Transfer Center Manager and / or Director • Nature of Supervision Received: Minimal; individual proceeds on his / her own, in com-pliance with policies, procedures and practicing as prescribed by immediate supervisor. • Positions Supervised: Access Point Behavior Health team members • Interactions with: External and Internal Customers KNOWLEDGE, SKILLS & ABILITIES: The requirements listed below are representative of the knowledge, skills and/or abilities required. Education: Graduate of an accredited school/college; Bachelor's degree preferred. Experience: • Three years of related clinical experience in an acute care setting (ED or Critical Care Preferred); Behavior Health experience is preferred • Demonstrated skills in problem solving, analytical and critical thinking, prioritization, negotia-tion, conflict resolution, proactive decision making. • Ability to establish and maintain collaborative and effective working relationships. • Ability to communicate effectively in oral, written, and electronic formats. Required License/Registration/Certification: • Current Nurse (RN/LPN/LVN) licensure in State of Residence. Required Compact License • Must maintain current nursing licensure by completing applications for renewal in a timely manner and by complying with all requirements for continuing education. No nurse will be scheduled to work any shift if their nursing license has expired. It is the nurse's responsibility to ensure that the Manager of the Access Point Behavior Health Transfer Center Operations is notified immediately if their license status changes. Failure to comply with this requirement will result in termination of employment. • Maintain current nursing skills and knowledge base by attendance at workshops and seminars, completion of mandatory continuing education, reading of professional journals, publications, and participation in professional organizations. SKILLS AND ABILITIES: Statistical Mathematical Skills -- Ability to work with mathematical and algebraic concepts such as prob-ability, statistical inference, and forecasting. Ability to apply and analyze concepts such as fractions, percentages, ratios, and proportions to practical situations. Moderate Computer Skills -- Frequent use of electronic mail, word processing, data entry, spreadsheets, graphics, etc. Ability to create, maintain and incorporate simple functions into documents, spreadsheets, databases, and presentations to support business objectives. Complex Communication -- Frequently communicates complex information and interacts with manage-ment. Can present, resolve, and address delicate situations. Can motive and persuade others. Varied Business Problems --Problems are varied and complex, requiring analysis or interpretation of the situation. Problems are solved using knowledge and skills, general precedent, and practices. Department Specific -- Decisions impact the management and operations within a department. May con-tribute to business, and operational decisions that affect the department. Functional Independent Judgement -- Provides and sets goals and priorities for functional area. May make recommendations for department policies, practices, and programs. Makes decisions for and/or resolves problems for others. Project Planning/Organization -- Handle multiple projects simultaneously including task delegation, pro-ject oversight, and resource allocation. PHYSICAL AND MENTAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job responsibilities. While performing the duties of this job, the employee is occasionally required to stand; walk; sit for ex-tended periods of time; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, bend, crouch, or crawl; talk or hear; taste or smell. The employee must occasionally lift and/or move up to 20 pounds. Repetitive motion of upper body re-quired for extended use of computer. Required specific vision abilities include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. WORK ENVIRONMENT AND TRAVEL REQUIREMENTS: Work environment characteristics described here are representative of those that an employee may encounter while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job responsibilities. Noise level in the work environment is typical for an office and/or hospital environment. No travel required. EEOC Statement “Life Point is an Equal Opportunity Employer. Life Point is committed to Equal Employment Opportunity for all applicants and employees and complies with all applicable laws prohibiting discrimination and harassment in employment.”

Senior Accounts Receivable and Global Payments Analyst is a senior member of the Payments Department for North America within the ACN organization. This function handles all exceptions and escalations, while retaining focus on reporting as well as enhancements within the Payments Team. AR&GP Specialist III is a direct deputy of team's supervisor and holds responsibility for monitoring of agents and daily operations such as the escheatment process, chargeback management, dunning and collections processes, daily banking reconciliation for ACN Customers, Independent Business Owners and Agencies. Major Tasks Retrieve monthly and yearly statements for accounting purposes; oversee daily banking reconciliation process to ensure no delays in cash flow Responsible for monitoring that payments, adjustments and chargebacks are loaded correctly by junior members of the team; review reporting related to Customer, IBO and Agency transactions created by junior staff, provide guidance Manage and monitor the escheatment process; engage in operational tasks if assistance required to meet deadlines for unclaimed property tax file submission to the state; coordinate work with other departments involved Manage the dunning and high usage procedures, flag potential risks opportunities; perform account clean-up, manage AR Aging and collection processes, write-off accounts as needed; point of contact for third parties like collection agencies, carriers and print vendors Own master reconciliation of chargebacks and disputes, ensure defence material is posted to all disputed transactions and is in compliance with the requirements Manage internal Month End processes, assess workload, distribute tasks as needed and cooperate with other departments to meet deadlines Work on escalations and issues flagged by junior team members; monitor confirmation files and act immediately to resolve errors or retrieve missing files Make sure any additional tasks or escalations are handled within SLA, KPIs are met and team priorities are clear Represent the Team and own project management on given available projects; require limited assistance from other team members Provide subject matter expert knowledge and support to the business on processing of requests and possible errors; gather fundamental knowledge and be able to take over and step in for the SV Resolve issues or alert managers about system or process issues that affect performance; take personal responsibility for system and procedural knowledge Additional Duties Other duties and projects as assigned Ensure all KPI's are met on time with little to none errors made within team tasks; analyse results of the aggregated data and propose changes beneficial to growth of the company Be proactive in improving existing processes; implement new procedures to meet departmental expectations as well as work on automation to enhance the workflow of the process Proper task delegation, availability and support for colleagues; maintain high quality of work and constant self-improvement Assist manager with any specific tasks or projects Required Skills & Experience At least 4 years of experience in a similar position Experience with Merchant Card service processing Experience with customer billing systems Communication and Language skills: fluent written and spoken English is essential Computer literacy and good MS Office application knowledge (especially Excel, Outlook and Word) Ability to prioritize work and follow-up effectively with all staffing levels Detail oriented; strong analytical skills to ensure accuracy of processing Experience in providing training to a small group of individuals; independent, target oriented and adaptable Able to resolve issues in a logical manner; self-reliable in decision making within the area of responsibilities Competencies Accuracy Problem Solving Decision Making Responsibility Flexibility Teamwork Working Environment Onsite employees - As a condition of your employment with ACN, Inc, you will be required to work onsite at our designated office or facility. When considering this position, please be aware that you will be expected to perform your duties at our physical location as outlined in your offer of employment, We understand circumstances may require temporary remote work arrangements and exceptions may be granted on a case-by-case basis. However, it's essential for candidates to understand that the standard expectations is to work onsite. Office environment Mon-Fri, between the hours of 8 A.M to 5 P.M The position may require occasional travel for continuing education, training or support. Physical Requirements: Reasonable accommodations will be provided to enable individuals with disabilities to perform essential functions on a case-by-case basis. To perform this job successfully, the individual must be able to perform each essential duty satisfactorily. The physical demands described here are representative of those indicative of a typical corporate office. environment. This includes prolonged periods of sitting at a desk and working on a computer. Required to stand periodically; walk, hear, listen, talk, and visually see. Use hands to finger, handle, or feel; the ability to reach with hands and arm. The ability to lift up to 15 pounds at times. Security Training Requirement: Please be aware that this position requires successful candidates to complete mandatory security training during their onboarding process. Security training is essential to our commitment to maintaining a secure work environment, protecting sensitive information, and ensuring the safety of our personnel. The specifics of the required security training will be communicated during the onboarding process. If you are prepared to fulfill this training requirement and are enthusiastic about contributing to our organization's security culture, we invite you to apply for this position. Federal and State Disclaimer ACN is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed 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. ACN observes the Workers Fairness Act in South Carolina, protecting employees and applicants for employment with medical needs arising from pregnancy, childbirth or medical conditions related to pregnancy or childbirth This job description is not intended to be all-inclusive. Employee may perform other related duties as negotiated to meet the ongoing needs of the organization. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws.