Credit Analyst jobs at Hilltop Holdings

ABOUT THE ROLE CountryPlace Mortgage, a leading nationwide personal property, mortgage and commercial lender headquartered in Plano, TX, is seeking a Commercial Credit Analyst II to help grow our Commercial Lending Department. This in-person role is in our Plano, TX office. The Commercial Credit Analyst II will complete financial analysis for floorplan lines, floorplan buyouts and other commercial lending, including real estate and revolving lines of credit. ESSENTIAL DUTIES & RESPONSIBILITIES Underwriting commercial loan requests for new and existing relationships by analyzing the financial condition utilizing financial statements, tax returns, CPA statements, bank statements, and other necessary documentation Cash flow analysis and pro forma forecasting and scaling Full understanding of entity legal ownership structure and ability to provide clear, concise explanation of them Ensure appropriate security instruments are recommended based on risk profile and ownership structure Present recommendation, details and financial analysis to the appropriate authority level Ownership of UCC process (filing, search and notification) to ensure properly perfected Timely communication to stakeholders (Dealer, Manufacturer, Sales and Management) through the process Obtain answers to any questions regarding financials, credit line requests, structure, and other relevant factors Maintain a stakeholder focus throughout the underwriting process, exceeding service level commitments Prepare legal documents and follow up to ensure necessary documentation is received Final review of loan documentation and audit prior to loan funding Periodic account reviews and maintenance Support the development of junior analysts by sharing knowledge, answering questions, and modeling effective credit analysis techniques Assist in training new team members, helping them understand tools, processes, and credit policies Provide coverage during team absences to maintain workflow continuity Join complex credit reviews to build subject matter expertise Contribute to a collaborative team by offering peer-to-peer feedback and promoting open communication Participate in complex credit reviews alongside senior analysts, gradually building subject matter expertise. Complete ad hoc projects as needed POSITION REQUIREMENTS, CAPABILITIES & SKILLS Superior analytical skills Excellent verbal and written communication skills Outstanding organizational and project management skills Advanced interpersonal skills to collaborate with stakeholders Strong work ethic with an ability to meet deadlines while multi-tasking Ability to identify and resolve problems in a timely manner Willingness to learn and grow in a fast-paced environment Effective decision-making, customer service and problem-solving skills Strong attention to detail and accuracy Ability to work effectively in a team environment MINIMUM QUALIFICATIONS BA/BS degree required in Finance, Accounting, or Business 14+ months of Manufactured Housing Commercial lending experience OR 2+ years of experience in commercial credit, structuring, and financial statement analysis, banking, finance, and/or loan servicing Intermediate to advanced MS Office skills in Excel, Word and PowerPoint WE OFFER Competitive Salary Medical/Dental/Vision Insurance Paid Holidays 401K Match Generous PTO FSA/HSA Plans Life /Disability/Accidental Insurance and much more!

As part of the Operations team, the Credit Analyst is responsible for evaluating the creditworthiness of loan applicants in the business purpose residential lending space. This role involves analyzing financial data, assessing risk, and making recommendations to ensure the integrity of our loan portfolio. Responsibilities: Review and analyze financial statements, credit reports, and other relevant data to assess the creditworthiness of loan applicants. Evaluate the viability of proposed real estate investments, including property value, market conditions, and borrower experience. Prepare detailed credit memos with recommendations for loan approval or decline, ensuring alignment with company policies and risk appetite. Identify potential risks associated with loan applications and recommend appropriate risk mitigation strategies. Work closely with underwriters and credit risk managers to ensure thorough and accurate risk assessments. Monitor loan portfolio performance and report on trends or emerging risks. Ensure all credit analysis and documentation comply with internal policies, industry standards, and regulatory requirements. Maintain accurate and organized records of credit decisions and supporting documentation. Stay informed of changes in regulations and best practices within the residential lending space. Collaborate with loan officers, processors, and other team members to gather necessary information and provide clear communication on credit decisions. Participate in meetings to discuss complex cases, share insights, and contribute to decision-making processes. Qualifications: Bachelor's degree in Finance, Business, Economics, or a related field. 2-4 years of experience in credit analysis, preferably within the residential lending or real estate sector. Strong analytical skills with the ability to interpret financial data and assess risk. Knowledge of residential real estate markets and investment principles. Excellent attention to detail and organizational skills. Strong written and verbal communication skills.

We are currently seeking an Associate Director, Credit Underwriting Analytics, to help lead our joint borrower installment loan business. In this critical role, the select individual will help grow the newly formed joint loan strategy team. This leader will be responsible for complex end-to-end strategy development focused on how we better serve customers through joint loan offers. The role will provide the opportunity to develop new ways we partner with key business partners to improve the lending process while growing the joint loan business. Working with various partners, this individual will deliver new policies to market, monitoring, and reporting on existing strategies, and partner with technology and marketing to create new functionalities and customer experiences. They will directly impact business processes, policy/product development, revenue growth, and risk management of OneMain's largest business. A successful candidate will expand their competencies and grow their business and industry acumen, as well as demonstrate the ability to work on complex processes or projects across the end-to-end project lifecycle. They will gain knowledge to suggest new answers to old questions and continue experimenting with new technology to find better ways to provide information delivery throughout the company. In this role: Develop strong understanding of OMF customer, benefits of lending to two applicants compared to one, underwriting policies, and credit risk Develop and execute on business requirements to implement credit/business strategies to improve our lending portfolio Create end-to-end project plans, including design, execution, and testing to ensure projects function as intended with intended business outcomes Utilize data query tools (i.e., R, SAS, SQL, MATLAB, Python) and/or other analytical techniques and software to develop, test and execute analyses and reporting Effectively prioritize competing initiatives and share with senior leadership tradeoffs and constraints across various projects Partner with business leaders and different teams to define priorities, align resources, and communicate progress to executive leadership Requirements Bachelor's degree (Graduate Preferred) in a quantitative discipline, such as Engineering, Statistics, Economics, Business Management, or Computer Science is preferred. 8+ years of experience in a data driven analytics environment; consumer lending, credit cards, or Fintech preferred; PHD degrees may offset experience Advanced analytical skillset using tools such as SQL, Excel skills required; experience with multiple types of relational databases and/or querying languages is a plus Innovative and capable of developing a highly analytical approach to solving problems preferably inside consumer lending Strong communication, interpersonal and negotiation skills to achieve business objectives Ability to work in fast-paced ever-changing environment and the ability to juggle an array of tasks and individuals on tight timelines Preferred Qualifications: people management experience Location: Baltimore, MD or New York, NY Who we Are OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we've looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future. Driven collaborators and innovators, our team thrives on transformative digital thinking, customer-first energy and flexible work arrangements that grow lives, careers and our company. At every level, we're committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There's never been a better time to shine with OneMain. Because team members at their best means OneMain at our best, we provide opportunities and benefits that make their health and careers a priority. That's why we've packed our comprehensive benefits package for full- and some part-timers with: Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurance Up to 4% matching 401(k) Employee Stock Purchase Plan (10% share discount) Tuition reimbursement Paid time off (15 days' vacation per year, plus 2 personal days, prorated based on start date) Paid sick leave as determined by state or local ordinance, prorated based on start date Paid holidays (7 days per year, based on start date) Paid volunteer time (3 days per year, prorated based on start date) Target base salary range is $160k - $180k, which is based on various factors including skills and work experience. In addition to base salary, this role is eligible for a competitive additional compensation program that is based on individual and company performance. Save Job

Job Description Seeking a capable, detail-oriented individual to join our commercial lending TEAM! 3+ years' experience in Commercial credit review & analysis, Underwriting, Portfolio Management, CRE credit review and loan structuring. If this is YOU, apply today! Title: Specialty and CRE Portfolio Analyst Position Status - Full Time exempt Reports To: Business Lending Manager Salary information: $61,984 - 92,976 The listed pay information includes the minimum rate of pay to the max-point rate of pay for the posted position The actual compensation for this position may vary based upon, but not limited to, licenses or certifications, education or equivalent work experience, market data, qualifications, relevant experience, prior work and performance history, geographic location, and business sector. We believe great work is to be rewarded with great benefits. Our benefits include, but aren't limited to, Medical coverage with generous company contributions, Dental with employee only coverage paid by the company, Vision with employee only coverage paid by the company, Paid Time-Off, 401k plan with a defined company match, company paid long-term disability, short term disability, and company paid holidays. Purpose: The primary purpose of this position is to assist Atlanta Postal Credit Union to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.” The Specialty/CRE Analyst and Portfolio Manager serves as the primary APCU Center Parc resource performing initial credit analysis for the underwriting of new business loans, managing an assigned portfolio of existing loans and maintaining a cadence of ongoing credit analysis and monitoring existing loans. The position focuses on Commercial Real Estate (CRE) and Specialty (GSA, USPS, IRE, etc.) loans. Essential Duties and Responsibilities: Other duties may be assigned. Adhere to and deliver on APCU Center Parc's core values: Serve Exceptionally Commit to Better Find the Fun Invest in Integrity Follow the Numbers Go Forth and Conquer Protect with Passion Assesses the credit worthiness of businesses seeking CRE or specialty loans and for new and existing businesses members of APCU Center Parc. Perform a thorough financial analysis; Review financial statements, credit history, and other relevant data to evaluate the borrower's ability to pay on both a short-term and long-term basis. On a schedule cadence, identify disparities, risks, and fluctuations in financial ratios and make recommendations on creative ways to mitigate risks to the credit union. Make recommendations on CRE and specialty loan approvals, credit limits, loan structure, collateralization, and terms based upon a thorough assessment of financial risk. Analyze appropriate structuring options for loan request and booked loans, considering collateral and borrower valuations; Monitors book loans for adherence to structure and covenants. Prepare commitment letters or collaborate with internal stakeholders or internal counsel to prepare commitment letters. Demonstrate full ownership of an assigned portfolio of existing business members with minimal guidance. Complete annual reviews and both material and non-material modifications independently and within assigned time frame. Coordinate all activity and interactions, associated with modifications, with the members, attorneys, agents, title agencies, underwriters, and processors Monitor quarterly, semiannual, or annual reporting and financial statements and determine upgrades and downgrades in risk ratings. Monitors and analyzes escrow accounts for contribution adjustments. As required, support underwriters in reviewing and negotiating legal documentation. Promptly escalates concerns, identified risks, or problem accounts in accordance with established procedures and in collaboration with other internal stakeholders. Ensure that portfolio data is accurate, up to date, and complete; Commits to timeliness and quality of reporting capabilities. Ensure compliance with established credit policies and procedures. Perform all necessary tasks and assignments necessary to prepare for audits. Demonstrate a sense of urgency, attention to detail, the ability to multi-task and the ability to make data driven financial decisions. Effectively use written and oral communication skills in daily correspondence. Adhere to the provisions of the Fair Credit Reporting Act (FCRA), Military Lending Act (MLA), Equal Credit Opportunity Act (ECOA), Truth in Lending Act (TILA), Fair Housing Act (FHA), the Universal Code (UCC), and any other state or federal regulation associated with the granting of credit that are applicable to this position. Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position. Travel associated with this role less than 10%. Other duties as assigned. Supervisory Responsibilities: No direct reports. May manage day-to-day tasks through indirect reporting relationships or through a matrixed management approach and the ability to collaboratively interact with internal and external partners. Qualification Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/pr ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. REQUIRED Education and/or Experience: A bachelor's degree in finance, accounting, business administration, or related field of study; 4 years of specific work experience in lieu of degree 3 years of specific work experience where the primary tasks involved credit analysis, underwriting, portfolio management for specialty and CRE loans 3 years of specific work experience using modeling software like Argus, CoStar, lease management software, portfolio management software, and portfolio benchmarking tools and software Advanced skills in Microsoft Excel or Google Sheets PREFFERED Education and/or Experience: 5 years of broad work experience managing and monitoring a portfolio of Specialty and CRE loans including the annual evaluation of escrows, loan covenants, and mitigation of credit risks in a credit union Working knowledge of Symitar, Baker Hill LOS, Meridian Link, Laser Pro, Co Tribute, and other software applications and tools relevant to this position and the evaluation of credit and monitoring of loan performance Experience in the utilization of data visualization tools for credit and portfolio management Physical Job Requirements: Must be physically able to operate a variety of automated office machines such as calculator, computer, printer, facsimile, telephone, copier, etc. Must be able to stand, bend and stoop as needed. Must be able to lift and/or carry weights of 5 to 25 pounds. APCU Center Parc Credit Union is an equal opportunity employer committed to providing equal opportunities to applicants and our policy is not to discriminate against any applicant or employee based on race, color, sex, religion, national origin, disability status or veteran status or any other basis protected by applicable federal, state, or local laws. APCU Center Parc Credit Union prohibits harassment based on the same protected classes and criteria. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. The requirements for the position listed are general and are not all inclusive. If you have any questions concerning this position, please contact Human Resources. Please note that an employment offer, and your continued employment are contingent upon acceptable results of a background and credit check, and satisfactory proof of your right to work in the U.S.

Are you looking for a rewarding career with an organization who puts people first? Would you like to contribute to the mission of supporting agriculture and rural America? Do you enjoy working in a team environment? Do you have a passion for providing a great customer experience? Look no further because Southwest Georgia Farm Credit is seeking a Credit Analyst to serve our 21-county territory in southwest Georgia. Company Profile Southwest Georgia Farm Credit is a financial institution that provides financing for agriculture, agribusiness and rural real estate purchases and improvements. We are headquartered in Bainbridge, with six offices that service 21 counties in the southwestern-most portion of the state of Georgia. With over $600 million in assets, Southwest Georgia Farm Credit is a cooperative and part of the nationwide Farm Credit System. Job Description The Credit Analyst develops and analyzes all types of credit information. The successful candidate prepares complete loan packages independently for small to mid size loans, completes all documents, including projections, prepares analyses and makes the appropriate recommendations. The Credit Analyst assists with preparation of larger and more complex loan packages. The successful candidate improves professionalism associated with loan servicing, monitoring, and reporting. The Credit Analyst provides assistance to Relationship Managers as needed in loan servicing and processing as needed, as well as performs timely and efficient processing of assigned loans. Required Qualifications • Education and/or experience equivalent to a bachelor degree in finance, accounting, or business administration • Possesses a working knowledge of spreadsheets, word processing and other customized software • Demonstrates accuracy and thoroughness • Exhibits sound and accurate judgment • Supports and explains reasoning for decisions • Uses intuition and experience to complement data • Effective group presentation skills • Self starter

The Credit Analyst provides accurate, timely, and succinct credit analysis to support the company's portfolio management and new business development efforts. Duties & Responsibilities * Financial statement spreading and analysis, including calculation of Debt Service Coverage or Fixed Charge Coverage Ratios per Busey guidelines. * Use financial data such as cash flow, liquidity, profitability, and leverage to determine and minimize the overall risk of extending credit to businesses and individuals. * Perform file reviews of assigned requests to ensure complete information, communicating with loan team to discuss missing information, applicable questions and any loan structure suggestions or concerns. * Work with Commercial Relationship Managers or other Lending staff to prepare clear and concise Commercial Credit Approval Request (CCAR) memos that include all pertinent information associated with the overall risk of the loan, identifying the strengths and weaknesses of the Borrower. * Evaluate collateral, industry data and other relevant credit information. * Assist with Portfolio Management duties to include testing financial covenants, monitoring monthly borrowing base reports, preparing portfolio reviews and sensitive asset reports, as assigned. * Assist Commercial Relationship Managers with the preparation of opportunity memos for new and existing relationships. * Develop a working knowledge of the Commercial Banking Loan Policy and systems, including nCino. * Assist with other duties or special projects as assigned. Education & Experience Knowledge of: * Strong oral and written communication skills * Proficiency in Microsoft Office Suite * Knowledge of financial accounting Ability to: * Prioritize work flow, multi-task and work independently * Analyze and solve problems * Take independent action within established guidelines * Perform duties under frequent time pressures with a high degree of accuracy and attention to detail Education and Training: * Requires Bachelor's degree with a concentration in Business or Finance. * Requires 3 or more years of Commercial Credit experience. * Requires knowledge of Microsoft Office. Benefits and Compensation Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance. (Base Pay Range: $82,000 - $101,000/year) Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being-now and in the years to come-are important to us. Busey's Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information. Equal Opportunity Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment. Unsolicited Resumes Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies ("Agency"), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings ("Agreement"). Busey may consider any candidate for whom an Agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidate(s) without any financial obligation to the Agency, unless an Agreement is in place. Any email or verbal contact with any Busey associate is inadequate to create a binding agreement. Agencies without an Agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.

The purpose of this position is to provide service and support to our Credit Card members while collecting past due funds on Credit Card accounts. By assisting members through their financial hardship, this role serves to help minimize Ent's exposure to risk and loss while ensuring a maximum return to its members by following the Collection Department Policies and Procedures as well as adhering to State and Federal Laws. This position is also responsible for conducting outbound calls to Credit Card members, as well as being available to past due members calling into the Credit Union. The Specialist and Member interactions are to be done efficiently and professionally in a fast-paced environment. The position requires strong communication skills, attention to detail, and the ability to navigate multiple systems to deliver hardship solutions. Furthermore, the Member Solutions Credit Card Specialist is responsible for making timely collection calls per performance standards in a professional manner in order to correct patterns of delinquency on credit card accounts, explore pre-determined ways to help during financial hardships through account modifications, pre-charge-off settlements, referral to Green Path, referral to Financial Coaches, or payment arrangements. Essential Functions * Member Solutions Consultation: Perform an early-stage consultative collection role utilizing various resources to collect on past due credit card accounts, including negotiating payment arrangements. Direct the cardholder of the appropriate payment options i. e. , ACH Bill Pay, Service Center, Payment by Phone, OLB, etc. , by placing outbound calls and answering inbound calls to and from cardholder members, joint cardholders, and authorized users of the credit card. * Interview card-holding members by phone to determine financial hardships, find solutions, and present payment options such as: Payment plans. Account Modifications. Settlement requests pre-charge off * Perform operational tasks: Work Akcelerant Tasks Work CRM cases Work Velera Reports Work Secured messages * System navigation & compliance: Efficiently navigate multiple internal systems and applications while maintaining accuracy and adherence to company policies, procedures, and regulatory requirements. Ensure accurate and timely documentation of all member interactions and account updates. * Bank Secrecy Act: Remains cognizant of and adheres to Ent policies and procedures, and regulations pertaining to the Bank Secrecy Act. Minimum Formal Qualifications for this Position * High School Diploma/G.E.D. or equivalent. * 1+ years' financial services experience with a focus on Credit Cards Required * 1+ years' Credit Card Collections. preferred Technical or Specialized Knowledge/Skills: * Professional, diplomatic, and courteous communication skills are of critical importance. * Strong attention to detail and accuracy of all transactions is of critical importance. * Exposure to Microsoft Office programs (Outlook, Excel, Word, etc.) and web-based transactional systems to complete day-to-day member requests. * Knowledge of State and Federal laws related to Collections, i.e., BSA, TCPA, Gramm-Leach-Bliley Act, FDCPA, and UDAAP. * Proficient in basic math (addition, subtraction, multiplication, and division) * Strong interpersonal communication skills, including negotiation and active listening skills. * Ability to communicate effectively with management and Members while maintaining confidentiality, diplomacy, and tact. * Predisposition for creativity and problem-solving as applied to individual situations within relevant laws and guidelines. * Ability to learn and retain relevant collections law and policy in a short amount of time. * Multitasking with multiple systems. * Organizational and time management skills. * Knowledge of how to manage and protect confidential member and financial information with discretion and professionalism. Certifications Required: * None Environmental, Physical and Psychological Requirements * Standing - Occasionally * Walking - Occasionally * Sitting - Frequently * Lifting - Rarely (40 Lbs) * Carrying - Rarely * Pushing - Rarely * Pulling - Rarely * Balancing - Rarely * Stooping - Rarely * Kneeling - Rarely * Crouching - Rarely * Crawling - Rarely * Reaching - Occasionally * Handling - Occasionally * Grasping - Occasionally * Feeling - Occasionally * Talking - Frequently * Hearing - Frequently * Repetitive Motions - Frequently * Eye/Hand/Foot Coordination - Occasionally * Noises louder than normal speaking volume - Occasionally * Temperature Changes - Rarely * Atmospheric Conditions - Rarely

Ent Credit Union exists to improve the financial quality of life of the people we serve. This mission drives us every day, but we are more than our mission. We're also individuals using our unique abilities to make our organization, and the communities we serve, better than they were yesterday. We're a not-for-profit that puts people above profits and actively invests in our community. Our rapidly growing team is expanding our reach to serve more people throughout Colorado. To spread our mission far and wide, we need people like you. If you're interested in a paycheck with a purpose, apply with us today. Our people make the difference, and we truly believe you are our greatest asset. Job Description The purpose of this position is to provide service and support to our Credit Card members while collecting past due funds on Credit Card accounts. By assisting members through their financial hardship, this role serves to help minimize Ent's exposure to risk and loss while ensuring a maximum return to its members by following the Collection Department Policies and Procedures as well as adhering to State and Federal Laws. This position is also responsible for conducting outbound calls to Credit Card members, as well as being available to past due members calling into the Credit Union. The Specialist and Member interactions are to be done efficiently and professionally in a fast-paced environment. The position requires strong communication skills, attention to detail, and the ability to navigate multiple systems to deliver hardship solutions. Furthermore, the Member Solutions Credit Card Specialist is responsible for making timely collection calls per performance standards in a professional manner in order to correct patterns of delinquency on credit card accounts, explore pre-determined ways to help during financial hardships through account modifications, pre-charge-off settlements, referral to Green Path, referral to Financial Coaches, or payment arrangements. Essential Functions Member Solutions Consultation: Perform an early-stage consultative collection role utilizing various resources to collect on past due credit card accounts, including negotiating payment arrangements. Direct the cardholder of the appropriate payment options i. e. , ACH Bill Pay, Service Center, Payment by Phone, OLB, etc. , by placing outbound calls and answering inbound calls to and from cardholder members, joint cardholders, and authorized users of the credit card. Interview card-holding members by phone to determine financial hardships, find solutions, and present payment options such as: Payment plans. Account Modifications. Settlement requests pre-charge off Perform operational tasks: Work Akcelerant Tasks Work CRM cases Work Velera Reports Work Secured messages System navigation & compliance: Efficiently navigate multiple internal systems and applications while maintaining accuracy and adherence to company policies, procedures, and regulatory requirements. Ensure accurate and timely documentation of all member interactions and account updates. Bank Secrecy Act: Remains cognizant of and adheres to Ent policies and procedures, and regulations pertaining to the Bank Secrecy Act. Qualifications Minimum Formal Qualifications for this Position High School Diploma/G.E.D. or equivalent. 1+ years' financial services experience with a focus on Credit Cards Required 1+ years' Credit Card Collections. preferred Technical or Specialized Knowledge/Skills: Professional, diplomatic, and courteous communication skills are of critical importance. Strong attention to detail and accuracy of all transactions is of critical importance. Exposure to Microsoft Office programs (Outlook, Excel, Word, etc.) and web-based transactional systems to complete day-to-day member requests. Knowledge of State and Federal laws related to Collections, i.e., BSA, TCPA, Gramm-Leach-Bliley Act, FDCPA, and UDAAP. Proficient in basic math (addition, subtraction, multiplication, and division) Strong interpersonal communication skills, including negotiation and active listening skills. Ability to communicate effectively with management and Members while maintaining confidentiality, diplomacy, and tact. Predisposition for creativity and problem-solving as applied to individual situations within relevant laws and guidelines. Ability to learn and retain relevant collections law and policy in a short amount of time. Multitasking with multiple systems. Organizational and time management skills. Knowledge of how to manage and protect confidential member and financial information with discretion and professionalism. Certifications Required: None Environmental, Physical and Psychological Requirements Standing - Occasionally Walking - Occasionally Sitting - Frequently Lifting - Rarely (40 Lbs) Carrying - Rarely Pushing - Rarely Pulling - Rarely Balancing - Rarely Stooping - Rarely Kneeling - Rarely Crouching - Rarely Crawling - Rarely Reaching - Occasionally Handling - Occasionally Grasping - Occasionally Feeling - Occasionally Talking - Frequently Hearing - Frequently Repetitive Motions - Frequently Eye/Hand/Foot Coordination - Occasionally Noises louder than normal speaking volume - Occasionally Temperature Changes - Rarely Atmospheric Conditions - Rarely Additional Information The pay range for this position is: $21 to $23 per Hour (S11) Final compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, and internal pay equity. This position is eligible for a monthly incentive plan. Benefits Summary Sheet At Ent Credit Union, we offer a comprehensive benefits package, including: Health Benefits: Affordable insurance, 24/7 doctor access, and a nationwide provider network. 401(k): 3% automatic contribution after three months, plus up to 6% matching. Paid Time Off: During your first year, enjoy 16 days of paid time off (PTO) plus 9 paid holidays. And it grows from there. Volunteer Time Off: Paid time off to give back to the community. Education Support: Up to $10,000 annually for higher education and assistance for certifications. Exclusive Discounts: Significant savings on home, car, and personal loans. For more information about our outstanding benefits, please visit our careers page at ******************** We anticipate this position to close on 12/12/2025. Please submit your application at your earliest convenience to be considered. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities. The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

Ent Credit Union exists to improve the financial quality of life of the people we serve. This mission drives us every day, but we are more than our mission. We're also individuals using our unique abilities to make our organization, and the communities we serve, better than they were yesterday. We're a not-for-profit that puts people above profits and actively invests in our community. Our rapidly growing team is expanding our reach to serve more people throughout Colorado. To spread our mission far and wide, we need people like you. If you're interested in a paycheck with a purpose, apply with us today. Our people make the difference, and we truly believe you are our greatest asset. Job Description The purpose of this position is to provide service and support to our Credit Card members while collecting past due funds on Credit Card accounts. By assisting members through their financial hardship, this role serves to help minimize Ent's exposure to risk and loss while ensuring a maximum return to its members by following the Collection Department Policies and Procedures as well as adhering to State and Federal Laws. This position is also responsible for conducting outbound calls to Credit Card members, as well as being available to past due members calling into the Credit Union. The Specialist and Member interactions are to be done efficiently and professionally in a fast-paced environment. The position requires strong communication skills, attention to detail, and the ability to navigate multiple systems to deliver hardship solutions. Furthermore, the Member Solutions Credit Card Specialist is responsible for making timely collection calls per performance standards in a professional manner in order to correct patterns of delinquency on credit card accounts, explore pre-determined ways to help during financial hardships through account modifications, pre-charge-off settlements, referral to Green Path, referral to Financial Coaches, or payment arrangements. Essential Functions Member Solutions Consultation: Perform an early-stage consultative collection role utilizing various resources to collect on past due credit card accounts, including negotiating payment arrangements. Direct the cardholder of the appropriate payment options i. e. , ACH Bill Pay, Service Center, Payment by Phone, OLB, etc. , by placing outbound calls and answering inbound calls to and from cardholder members, joint cardholders, and authorized users of the credit card. Interview card-holding members by phone to determine financial hardships, find solutions, and present payment options such as: Payment plans. Account Modifications. Settlement requests pre-charge off Perform operational tasks: Work Akcelerant Tasks Work CRM cases Work Velera Reports Work Secured messages System navigation & compliance: Efficiently navigate multiple internal systems and applications while maintaining accuracy and adherence to company policies, procedures, and regulatory requirements. Ensure accurate and timely documentation of all member interactions and account updates. Bank Secrecy Act: Remains cognizant of and adheres to Ent policies and procedures, and regulations pertaining to the Bank Secrecy Act. Qualifications Minimum Formal Qualifications for this Position High School Diploma/G.E.D. or equivalent. 1+ years' financial services experience with a focus on Credit Cards Required 1+ years' Credit Card Collections. preferred Technical or Specialized Knowledge/Skills: Professional, diplomatic, and courteous communication skills are of critical importance. Strong attention to detail and accuracy of all transactions is of critical importance. Exposure to Microsoft Office programs (Outlook, Excel, Word, etc.) and web-based transactional systems to complete day-to-day member requests. Knowledge of State and Federal laws related to Collections, i.e., BSA, TCPA, Gramm-Leach-Bliley Act, FDCPA, and UDAAP. Proficient in basic math (addition, subtraction, multiplication, and division) Strong interpersonal communication skills, including negotiation and active listening skills. Ability to communicate effectively with management and Members while maintaining confidentiality, diplomacy, and tact. Predisposition for creativity and problem-solving as applied to individual situations within relevant laws and guidelines. Ability to learn and retain relevant collections law and policy in a short amount of time. Multitasking with multiple systems. Organizational and time management skills. Knowledge of how to manage and protect confidential member and financial information with discretion and professionalism. Certifications Required: None Environmental, Physical and Psychological Requirements Standing - Occasionally Walking - Occasionally Sitting - Frequently Lifting - Rarely (40 Lbs) Carrying - Rarely Pushing - Rarely Pulling - Rarely Balancing - Rarely Stooping - Rarely Kneeling - Rarely Crouching - Rarely Crawling - Rarely Reaching - Occasionally Handling - Occasionally Grasping - Occasionally Feeling - Occasionally Talking - Frequently Hearing - Frequently Repetitive Motions - Frequently Eye/Hand/Foot Coordination - Occasionally Noises louder than normal speaking volume - Occasionally Temperature Changes - Rarely Atmospheric Conditions - Rarely Additional Information The pay range for this position is: $21 to $23 per Hour (S11) Final compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, and internal pay equity. This position is eligible for a monthly incentive plan. Benefits Summary Sheet At Ent Credit Union, we offer a comprehensive benefits package, including: Health Benefits: Affordable insurance, 24/7 doctor access, and a nationwide provider network. 401(k): 3% automatic contribution after three months, plus up to 6% matching. Paid Time Off: During your first year, enjoy 16 days of paid time off (PTO) plus 9 paid holidays. And it grows from there. Volunteer Time Off: Paid time off to give back to the community. Education Support: Up to $10,000 annually for higher education and assistance for certifications. Exclusive Discounts: Significant savings on home, car, and personal loans. For more information about our outstanding benefits, please visit our careers page at ******************** We anticipate this position to close on 12/12/2025. Please submit your application at your earliest convenience to be considered. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities. The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

The Credit Monitoring Analyst III supports the commercial credit monitoring and portfolio management for the Bank through the review and analysis of borrower and guarantor financial information, testing of financial covenants, and post-closing loan review to ensure alignment between loan approval, documentation, and tracking system. Duties & Responsibilities * Maintain in-depth knowledge of Credit Monitoring and industry best practices. * Review financial spreads, financial indicator covenants, borrowing base reviews, post-closing reviews and other assigned job functions, for accuracy and completeness. * Provide input and recommendations on new and existing workflow processes, policies, and procedures involving the Credit Monitoring Team. * Work independently the majority of the time and complete work with little supervision. * Serve as Credit Monitoring subject matter expert and on the Bank's financial tracking system (nCino) to include any upgrades, training, or new resources. * Provide accurate and consistent loan portfolio management and monitoring of our commercial loan portfolio. * Make independent recommendations regarding credit risk supported by comprehensive ongoing risk analysis. * Analyze Borrowing Base Certificates, accounts receivable aging, inventory listings, liquidity, and collateral positions. * Review financial reporting to ensure accuracy and maintain internal tracking for all commercial clients. * Mentorship of less experienced Credit Monitoring Analysts. * Comply with all credit administration policies and procedures. * Prepare ad hoc reports as requested. * Complete Moody's Credit Modules, as assigned. * Maintain the highest level of confidentiality of all information. * Provide extraordinary service while complying with all Bank policies and procedures. * Adhere to Busey Bank policies and procedures; comply with laws, regulations and industry best practices. * Reliable and predictable attendance; both onsite and remote. Education & Experience Knowledge of: * Strong oral, written and interpersonal communication skills * Advanced understanding of credit analysis and financial statements. * Thorough knowledge of financial statement analysis and demonstrated ability to identify and mitigate key risks * Full understanding of loan and collateral documents, including attorney prepared documentation * Strong problem solving and analytical skills Ability to: * Read and comprehends credit write-ups and loan documentation * Prioritize workflow, multi-task and work independently * Perform duties under frequent time pressures with high degree of accuracy and attention to detail Education and Training: * Requires bachelor's degree in Finance, accounting or business * 5 or more years of experience as a successful credit analyst or similar role in a commercial bank. * Experience in nCino and Jack Henry preferred, but not required * Requires knowledge of Microsoft Office Compensation and Benefits Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance. (Base Pay Range: $68,000.00 - 94,000.00 /year) Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being-now and in the years to come-are important to us. Busey's Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information. Equal Opportunity Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment. Unsolicited Resumes Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies ("Agency"), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings ("Agreement"). Busey may consider any candidate for whom an Agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidate(s) without any financial obligation to the Agency, unless an Agreement is in place. Any email or verbal contact with any Busey associate is inadequate to create a binding agreement. Agencies without an Agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.

The Credit Monitoring Analyst II supports the commercial credit monitoring and portfolio management for the Bank through the review and analysis of borrower and guarantor financial information, testing of financial covenants, and post-closing loan review to ensure alignment between loan approval, documentation, and tracking system. Duties & Responsibilities * Accurately calculate financial ratios and monitor Borrower's covenants for compliance as outlined in loan documents. * Effectively communicate all internal communication of the borrower's performance and trend analysis to the appropriate parties. * Completes post booking reviews on commercial loans to ensure accuracy of loan documents as outlined in the credit approval and ensure internal tracking of covenants are accurately built for internal tracking purposes. * Analyze and assess financial statements and credit history of existing and potential clients. * Provide additional support to Credit Administration as it relates to special projects as assigned. * Comply with all credit administration policies and procedures. * Prepare ad hoc reports as requested. * Provide back-up assistance to other team members at peak volume times, including but not limited to reviewing and analyzing Borrowing Base Certificates and reviewing financial statements for accuracy and advancement of next due date. * Mentorship of less experienced Credit Monitoring Analysts. * Complete Moody's Credit Modules, as assigned. * Comply with all credit administration policies and procedures. * Maintain the highest level of confidentiality of all information. * Provide extraordinary service while complying with all Bank policies and procedures. * Adhere to Busey Bank policies and procedures; comply with laws, regulations and industry best practices. * Reliable and predictable attendance; both onsite and remote. Education & Experience Knowledge of: * Strong oral, written and interpersonal communication skills * Intermediate understanding of credit analysis and financial statements. * Full understanding of balance sheets, income statements and cash flow statements * Full understanding of loan and collateral documents, including attorney prepared documentation * Strong problem solving and analytical skills Ability to: * Read and comprehends credit write-ups and loan documentation * Prioritize workflow, multi-task and work independently * Perform duties under frequent time pressures with high degree of accuracy and attention to detail Education and Training: * Requires bachelor's degree in Finance, accounting or business * Minimum 2 years of experience with credit loan documents and credit monitoring experience in the financial services industry. * Experience in nCino and Jack Henry preferred, but not required * Requires knowledge of Microsoft Office Compensation and Benefits Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance. (Base Pay Range: $62,000.00 - 82,000.00 /year) Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being-now and in the years to come-are important to us. Busey's Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information. Equal Opportunity Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment. Unsolicited Resumes Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies ("Agency"), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings ("Agreement"). Busey may consider any candidate for whom an Agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidate(s) without any financial obligation to the Agency, unless an Agreement is in place. Any email or verbal contact with any Busey associate is inadequate to create a binding agreement. Agencies without an Agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.

The Credit Monitoring Analyst II supports the commercial credit monitoring and portfolio management for the Bank through the review and analysis of borrower and guarantor financial information, testing of financial covenants, and post-closing loan review to ensure alignment between loan approval, documentation, and tracking system. Duties & Responsibilities * Accurately calculate financial ratios and monitor Borrower's covenants for compliance as outlined in loan documents. * Effectively communicate all internal communication of the borrower's performance and trend analysis to the appropriate parties. * Completes post booking reviews on commercial loans to ensure accuracy of loan documents as outlined in the credit approval and ensure internal tracking of covenants are accurately built for internal tracking purposes. * Analyze and assess financial statements and credit history of existing and potential clients. * Provide additional support to Credit Administration as it relates to special projects as assigned. * Comply with all credit administration policies and procedures. * Prepare ad hoc reports as requested. * Provide back-up assistance to other team members at peak volume times, including but not limited to reviewing and analyzing Borrowing Base Certificates and reviewing financial statements for accuracy and advancement of next due date. * Mentorship of less experienced Credit Monitoring Analysts. * Complete Moody's Credit Modules, as assigned. * Comply with all credit administration policies and procedures. * Maintain the highest level of confidentiality of all information. * Provide extraordinary service while complying with all Bank policies and procedures. * Adhere to Busey Bank policies and procedures; comply with laws, regulations and industry best practices. * Reliable and predictable attendance; both onsite and remote. Education & Experience Knowledge of: * Strong oral, written and interpersonal communication skills * Intermediate understanding of credit analysis and financial statements. * Full understanding of balance sheets, income statements and cash flow statements * Full understanding of loan and collateral documents, including attorney prepared documentation * Strong problem solving and analytical skills Ability to: * Read and comprehends credit write-ups and loan documentation * Prioritize workflow, multi-task and work independently * Perform duties under frequent time pressures with high degree of accuracy and attention to detail Education and Training: * Requires bachelor's degree in Finance, accounting or business * Minimum 2 years of experience with credit loan documents and credit monitoring experience in the financial services industry. * Experience in nCino and Jack Henry preferred, but not required * Requires knowledge of Microsoft Office Compensation and Benefits Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance. (Base Pay Range: $62,000.00 - 82,000.00 /year) Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being-now and in the years to come-are important to us. Busey's Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information. Equal Opportunity Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment. Unsolicited Resumes Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies ("Agency"), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings ("Agreement"). Busey may consider any candidate for whom an Agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidate(s) without any financial obligation to the Agency, unless an Agreement is in place. Any email or verbal contact with any Busey associate is inadequate to create a binding agreement. Agencies without an Agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.

The Credit Monitoring Analyst II supports the commercial credit monitoring and portfolio management for the Bank through the review and analysis of borrower and guarantor financial information, testing of financial covenants, and post-closing loan review to ensure alignment between loan approval, documentation, and tracking system. Duties & Responsibilities * Accurately calculate financial ratios and monitor Borrower's covenants for compliance as outlined in loan documents. * Effectively communicate all internal communication of the borrower's performance and trend analysis to the appropriate parties. * Completes post booking reviews on commercial loans to ensure accuracy of loan documents as outlined in the credit approval and ensure internal tracking of covenants are accurately built for internal tracking purposes. * Analyze and assess financial statements and credit history of existing and potential clients. * Provide additional support to Credit Administration as it relates to special projects as assigned. * Comply with all credit administration policies and procedures. * Prepare ad hoc reports as requested. * Provide back-up assistance to other team members at peak volume times, including but not limited to reviewing and analyzing Borrowing Base Certificates and reviewing financial statements for accuracy and advancement of next due date. * Mentorship of less experienced Credit Monitoring Analysts. * Complete Moody's Credit Modules, as assigned. * Comply with all credit administration policies and procedures. * Maintain the highest level of confidentiality of all information. * Provide extraordinary service while complying with all Bank policies and procedures. * Adhere to Busey Bank policies and procedures; comply with laws, regulations and industry best practices. * Reliable and predictable attendance; both onsite and remote. Education & Experience Knowledge of: * Strong oral, written and interpersonal communication skills * Intermediate understanding of credit analysis and financial statements. * Full understanding of balance sheets, income statements and cash flow statements * Full understanding of loan and collateral documents, including attorney prepared documentation * Strong problem solving and analytical skills Ability to: * Read and comprehends credit write-ups and loan documentation * Prioritize workflow, multi-task and work independently * Perform duties under frequent time pressures with high degree of accuracy and attention to detail Education and Training: * Requires bachelor's degree in Finance, accounting or business * Minimum 2 years of experience with credit loan documents and credit monitoring experience in the financial services industry. * Experience in nCino and Jack Henry preferred, but not required * Requires knowledge of Microsoft Office Compensation and Benefits Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance. (Base Pay Range: $62,000.00 - 82,000.00 /year) Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being-now and in the years to come-are important to us. Busey's Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information. Equal Opportunity Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey's commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey's Equal Opportunity Employment. Unsolicited Resumes Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies ("Agency"), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings ("Agreement"). Busey may consider any candidate for whom an Agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidate(s) without any financial obligation to the Agency, unless an Agreement is in place. Any email or verbal contact with any Busey associate is inadequate to create a binding agreement. Agencies without an Agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.

Seeking a capable, detail-oriented individual to join our commercial lending TEAM! 3+ years' experience in Commercial credit review & analysis, Underwriting, Portfolio Management, CRE credit review and loan structuring. If this is YOU, apply today! Title: Specialty and CRE Portfolio Analyst Position Status - Full Time exempt Reports To: Business Lending Manager Salary information: $61,984 - 92,976 The listed pay information includes the minimum rate of pay to the max-point rate of pay for the posted position The actual compensation for this position may vary based upon, but not limited to, licenses or certifications, education or equivalent work experience, market data, qualifications, relevant experience, prior work and performance history, geographic location, and business sector. We believe great work is to be rewarded with great benefits. Our benefits include, but aren't limited to, Medical coverage with generous company contributions, Dental with employee only coverage paid by the company, Vision with employee only coverage paid by the company, Paid Time-Off, 401k plan with a defined company match, company paid long-term disability, short term disability, and company paid holidays. Purpose : The primary purpose of this position is to assist Atlanta Postal Credit Union to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.” The Specialty/CRE Analyst and Portfolio Manager serves as the primary APCU Center Parc resource performing initial credit analysis for the underwriting of new business loans, managing an assigned portfolio of existing loans and maintaining a cadence of ongoing credit analysis and monitoring existing loans. The position focuses on Commercial Real Estate (CRE) and Specialty (GSA, USPS, IRE, etc.) loans. Essential Duties and Responsibilities: Other duties may be assigned. Adhere to and deliver on APCU Center Parc's core values: Serve Exceptionally Commit to Better Find the Fun Invest in Integrity Follow the Numbers Go Forth and Conquer Protect with Passion Assesses the credit worthiness of businesses seeking CRE or specialty loans and for new and existing businesses members of APCU Center Parc. Perform a thorough financial analysis; Review financial statements, credit history, and other relevant data to evaluate the borrower's ability to pay on both a short-term and long-term basis. On a schedule cadence, identify disparities, risks, and fluctuations in financial ratios and make recommendations on creative ways to mitigate risks to the credit union. Make recommendations on CRE and specialty loan approvals, credit limits, loan structure, collateralization, and terms based upon a thorough assessment of financial risk. Analyze appropriate structuring options for loan request and booked loans, considering collateral and borrower valuations; Monitors book loans for adherence to structure and covenants. Prepare commitment letters or collaborate with internal stakeholders or internal counsel to prepare commitment letters. Demonstrate full ownership of an assigned portfolio of existing business members with minimal guidance. Complete annual reviews and both material and non-material modifications independently and within assigned time frame. Coordinate all activity and interactions, associated with modifications, with the members, attorneys, agents, title agencies, underwriters, and processors Monitor quarterly, semiannual, or annual reporting and financial statements and determine upgrades and downgrades in risk ratings. Monitors and analyzes escrow accounts for contribution adjustments. As required, support underwriters in reviewing and negotiating legal documentation. Promptly escalates concerns, identified risks, or problem accounts in accordance with established procedures and in collaboration with other internal stakeholders. Ensure that portfolio data is accurate, up to date, and complete; Commits to timeliness and quality of reporting capabilities. Ensure compliance with established credit policies and procedures. Perform all necessary tasks and assignments necessary to prepare for audits. Demonstrate a sense of urgency, attention to detail, the ability to multi-task and the ability to make data driven financial decisions. Effectively use written and oral communication skills in daily correspondence. Adhere to the provisions of the Fair Credit Reporting Act (FCRA), Military Lending Act (MLA), Equal Credit Opportunity Act (ECOA), Truth in Lending Act (TILA), Fair Housing Act (FHA), the Universal Code (UCC), and any other state or federal regulation associated with the granting of credit that are applicable to this position. Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position. Travel associated with this role less than 10%. Other duties as assigned. Supervisory Responsibilities: No direct reports. May manage day-to-day tasks through indirect reporting relationships or through a matrixed management approach and the ability to collaboratively interact with internal and external partners. Qualification Requirements : To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/pr ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. REQUIRED Education and/or Experience: A bachelor's degree in finance, accounting, business administration, or related field of study; 4 years of specific work experience in lieu of degree 3 years of specific work experience where the primary tasks involved credit analysis, underwriting, portfolio management for specialty and CRE loans 3 years of specific work experience using modeling software like Argus, CoStar, lease management software, portfolio management software, and portfolio benchmarking tools and software Advanced skills in Microsoft Excel or Google Sheets PREFFERED Education and/or Experience: 5 years of broad work experience managing and monitoring a portfolio of Specialty and CRE loans including the annual evaluation of escrows, loan covenants, and mitigation of credit risks in a credit union Working knowledge of Symitar, Baker Hill LOS, Meridian Link, Laser Pro, Co Tribute, and other software applications and tools relevant to this position and the evaluation of credit and monitoring of loan performance Experience in the utilization of data visualization tools for credit and portfolio management Physical Job Requirements: Must be physically able to operate a variety of automated office machines such as calculator, computer, printer, facsimile, telephone, copier, etc. Must be able to stand, bend and stoop as needed. Must be able to lift and/or carry weights of 5 to 25 pounds. APCU Center Parc Credit Union is an equal opportunity employer committed to providing equal opportunities to applicants and our policy is not to discriminate against any applicant or employee based on race, color, sex, religion, national origin, disability status or veteran status or any other basis protected by applicable federal, state, or local laws. APCU Center Parc Credit Union prohibits harassment based on the same protected classes and criteria. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. The requirements for the position listed are general and are not all inclusive. If you have any questions concerning this position, please contact Human Resources. Please note that an employment offer, and your continued employment are contingent upon acceptable results of a background and credit check, and satisfactory proof of your right to work in the U.S.

The position of Credit Analyst II is responsible for reviewing financial information taken from the lending officers and making sure that the cash flows and credit package are developed correctly; assists loan officers in determining if additional information is needed; and organizes the information in a specific format to be given to the Credit Officer for review for approval consideration. In addition, the Analyst is responsible for providing package preparation guidance to junior analysts and lending officers and supporting the training efforts of the bank in this area. Able to analyze complex borrower and loan structures, consolidate financial information across a number of related borrowing entities and present a summary of financial analysis in an organized and comprehensive package. ESSENTIAL FUNCTIONS: Assists loan officers in performing pre-qualifications assessment and analysis of financial condition and risk of requests within the framework of Bank credit culture and current economic and industries trends. Assists in preparing spreadsheets and analysis of financial information including financial statements and tax returns. Provides the spreading of financial information to the Regional Credit Officer for review. Conducts industry peer comparisons, performs cash flow analyses and other such tasks and comparisons. Develops knowledge of financial industry, economy, market conditions, rates and competition. Prepares a written underwriting package for new loans where the obligor or relationship is considered complex or as required by the Regional Credit Officer. Uses Moody's Financial Analyst as analytical tool. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with employees. Operates computer terminal or personal computer to obtain and process data, do credit research or portfolio analysis. Answers telephones, answers questions from lending officers. Performs duties specific to the position and other functions as assigned. Assists with on-going computerization of the loan review function. Assists in training sessions for the lending officers when needed. Assists in maintaining the portfolio of loans where an individual borrower's total loan exposure is $1,000,000 or greater in the aggregate. This consists of working with the lending officers to make sure that all documentation is in file, that financial information is current, and any other items that may be required by the Regional Credit Officer. Completes annual compliance courses. Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. Adheres to all levels of our Service Excellence standards. Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. College degree in Business Administration, Accounting or Economics or related area with 3-5 years professional experience in the areas of financial analysis, loan origination and underwriting. Work related experience should include direct experience in financial analysis, financial ratio and industry analysis and a comprehensive level of branch operations, loan structuring and underwriting to include credit package preparation and memo writing for complex borrowing structures. Requires a working knowledge of loan structures for Commercial Real Estate, Commercial and Industrial and Asset Based Lending transactions and the lending concepts and structures customary and unique to each of these lending products. Working knowledge of complex borrower organizational structures and consolidated or consolidating financial statement presentations and financial ratio analysis to assist in developing global cash flow presentations and analysis of repayment capacity. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Strong organizational skills required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Job Details Topeka Office - Topeka, KS Full TimeDescription Organization: Community National Bank was founded in 1984 by a group of individuals in Nemaha County, Kansas with diverse local ownership with decisions made on a local level. Position mission: This position is responsible for assisting with the management and growth of commercial loan portfolio through learning the fundamentals of banking, credit analysis and lending. This position is an entry level position to support the existing portfolio and learn the customer base and processes to build upon for future growth. The priority of this position is the role of Credit Analyst, learning the underwriting requirements of loan requests and supporting the lending team members. This position should expand into a junior lender role as the individual becomes proficient as a credit analyst. Jr. Credit Analyst Main Duties: Assist in analyzing credit data and financial statements to determine the degree of risk involved in extending credit or lending money. Assist in preparing, analyzing and completing credit memos for submission to loan committee for approval. Assist in generating financial ratios, using Suntel, to evaluate customers' financial status. Assist in analyzing financial data, such as income growth, quality of management, and market share to determine expected profitability of loans. Assist in comparing liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. Understand loan policy and compliance and maintain current knowledge of any changes or updates. Assist in consultation with customers to resolve complaints and verify financial and credit transactions. Review weekly past due and coming due commercial loans. Maintain credit analysis pipeline daily for review by loan officers and senior management. Order credit reports as needed. Maintain checklist for every commercial loan file. Generate spreads on new loans and renewals as requested in Suntel. Work closely with loan officers and processors. Tracking, reporting and removal of document exceptions Tracking and reporting of Loan policy exceptions Working cohesively with lenders to manage the credit quality of the portfolio Jr. Lender Main Duties: Assist in retaining existing commercial relationships and support new business through loans, accounts, and services for both business and consumer. Assist in the interview of applicants to determine loan requirements and gather pertinent information for loan applications. Analyze applicant information to determine feasibility of granting loans within loan policy. Assist in resolving uncertainties relating to customer application information through inquiries with applicants or creditors. Assist in explaining to the customer the different types of loans and credit options that are available, as well as the terms of those services. Assist in reviewing loan agreements and make sure that they are complete and accurate. Learning the documents required for different types of loans. Assist in ensuring timely loan closing and funding activities through follow up and communication to other departments and team members. Assist in maintaining customer relationships through regular communication and follow-up. Learn and maintain up to date knowledge on banking laws, regulations, compliance issues, and bank policies Maintain a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations. Assist in the management of the loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring through effective pipeline management. Uses knowledge and experience to express sound judgment to plan and accomplish goals. General Responsibilities: Support CNB's strong relationship culture through quality customer service and superior product knowledge Provide superior customer service by resolving problems efficiently and responding timely Identify and implement solutions to problems in general and urgent matters Actively seek to add and enhance knowledge regarding developments and current trends in the industry Seek counsel of supervisor on issues as appropriate Work collaboratively with staff to maintain a team environment Flexible to accept additional assignments as requested by leadership Cross train for other positions to cover when necessary Professionalism while representing CNB (onsite, professional and community events and via communications Participate and attend meetings as requested Recommend policies and procedures as it relates to area of responsibility Timely responses to inquiries for information to customers, staff and vendors Answer telephone calls and provide a prompt response Follow CNB's policies and procedures Other duties as assigned Qualifications: Bachelor's degree in finance, business management or related field preferred 5 years of experience in bank lending, loan review, or related field preferred, 2-4 years required Requires a high degree of confidentiality Working knowledge of accounting and workflow software, and Microsoft office (word, excel, Outlook, PowerPoint, etc.) Exceptional communication skills, written and verbal, organizational skills, time management skills and being a self-starter Detail oriented and ability to self-audit work to ensure accuracy Requires being reliable, responsible, and dependable to fulfill the obligations of this role Physical Demands: The physical demands described are representative to those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee must be able to stand and sit for extended lengths of time, read computer screens, talk on the phone, unpack and move supplies up to fifty (50) pounds, reach, kneel, bend, climb and balance. Vision abilities required for this job include close vision. Work Environment: While performing the duties of this job, the work environment is primarily a professional, deadline driven environment with interaction of internal team members and external customers. Noise level in the work environment can be loud. Additional Duties: This is only a summary of the typical functions of this position, not an exhaustive nor all-inclusive list of all possible job responsibilities, tasks, duties, knowledge, skill and ability required to perform this job. Additional duties and responsibilities may be added to this at any time. The does not state or imply that these are the only activities to be performed by the employee(s) holding this position. Employees are required to follow any other job-related instructions and to perform any other job-related responsibilities as required. In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate individuals. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions . However, no accommodations are made which may pose serious health or safety risks to the team member or others, or which impose undue hardships on Community National Bank. An individual seeking an accommodation should contact the Human Resources. Job descriptions are not intended to and do not create employment contracts. Community National Bank maintains its status as an at-will employer. Team members can be terminated at any time, for any reason not prohibited by law. Community National Bank is an equal opportunity employer.

Job Details Basehor Office - Basehor, KS Full TimeDescription Organization: Community National Bank was founded in 1984 by a group of individuals in Nemaha County, Kansas with diverse local ownership with decisions made on a local level. This position is responsible for analyzing credit data and financial statements to determine the degree of risk involved in extending credit or lending money and preparing credit memos for use in decision-making. Major Duties: Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. Prepare, analyze and complete Agriculture, CRE, C&I credit memos for submission for approval. Generate spreads on new loans and renewals as requested in Suntell. Generate financial ratios, using Suntell, to evaluate customers' financial status. Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans. Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. Understand loan policy and compliance and maintain current knowledge of any changes or updates. Consult with customers to resolve complaints and verify financial and credit transactions. Review weekly past due and coming due commercial loans. Maintain a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations. Maintain credit analysis pipeline daily for review by loan officers and senior management. Maintain checklist for every commercial loan file. Work closely with loan officers and processors. General Responsibilities: Support CNB's strong relationship culture through quality customer service and superior product knowledge. Provide superior customer service by resolving problems efficiently and responding timely. Identify and implement solutions to problems in general and urgent matters. Actively seek to add and enhance knowledge regarding developments and current trends in the industry. Seek counsel of supervisor on issues as appropriate. Work collaboratively with staff to maintain a team environment. Flexible to accept additional assignments as requested by leadership. Cross train for other positions to cover when necessary. Professionalism while representing CNB (onsite, professional and community events and via communications). Participate and attend meetings as requested. Recommend policies and procedures as it relates to area of responsibility. Timely responses to inquiries for information from loan officers and processors. Answer telephone calls and provide a prompt response. Follow CNB's policies and procedures. Other duties as assigned. Qualifications: Bachelor's degree in finance, accounting or related field required. MBA preferred. 3-5 years of experience in credit risk management, loan review, and/or previous commercial credit analysis experience preferred. 1-3 years of banking experience required. Experience with quantitative analysis methods along with knowledge of loan documentation and appraisal analysis. Excellent organizational and analytical skills partnered with sound judgement. Excellent interpersonal, verbal, and written communication skills. Strong computer skills including Microsoft office and financial software. Requires being reliable, responsible, and dependable to fulfill the obligations of this role. Physical Demands: The physical demands described are representative to those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee must be able to stand and sit for extended lengths of time, read computer screens, talk on the phone, unpack and move supplies up to fifty (50) pounds, reach, kneel, bend, climb and balance. Vision abilities required for this job include close vision. Work Environment: While performing the duties of this job, the work environment is primarily a professional, deadline driven environment with interaction of internal team members and external customers. Noise level in the work environment can be loud. Additional Duties: This is only a summary of the typical functions of this position, not an exhaustive nor all-inclusive list of all possible job responsibilities, tasks, duties, knowledge, skill and ability required to perform this job. Additional duties and responsibilities may be added to this at any time. The does not state or imply that these are the only activities to be performed by the employee(s) holding this position. Employees are required to follow any other job-related instructions and to perform any other job-related responsibilities as required. Job descriptions are not intended to and do not create employment contracts. Community National Bank maintains its status as an at-will employer. Team members can be terminated at any time, for any reason not prohibited by law. Community National Bank is an equal opportunity employer.

Job Description We're looking for a Credit Analyst to join our team. In this role, you'll play an important part in evaluating credit risk and supporting sound lending decisions. You'll analyze financial information, prepare credit presentations, and assist with annual reviews to ensure compliance and accuracy across our loan portfolio. What You'll Do Every Day Perform credit analysis and review financial statements for mortgage and commercial relationships to support loan decisions and minimize risk. Summarize findings for lenders. Prepare credit presentations for new and existing relationships requiring Loan Committee approval. Complete financial analysis, gather borrower info, and present when lenders are absent. Identify cross-selling opportunities. Complete annual reviews, including financial analysis, collateral evaluation, payment history, risk rating, and industry/economic changes. Support loan compliance by monitoring documentation standards, notifying lenders of exceptions, and maintaining accurate files. Stay informed on Bank policies and regulations. Communicate standards clearly to lenders. Contribute to annual updates of loan policy for commercial and mortgage areas based on trends and needed clarifications. Other duties as assigned. What We're Looking For A bachelor's degree (or equivalent experience). At least 2 years of credit analysis or related experience is preferred. Strong problem-solving skills and a knack for clear communication. A commitment to confidentiality and accuracy. Why You'll Love It Here Competitive wage with discretionary year-end bonuses 3% safe harbor contribution to 401k Discretionary profit share CD contribution towards retirement Fully comprehensive benefits package Free Neighborhood Family Clinic access for you and your family Family-oriented culture and teams Community involvement and Volunteer PTO Bank-sponsored get-togethers outside of work All-staff training and celebration days Free coffee And so much more! Sound like you? Apply today and help us make lending decisions that drive success!

The Credit Analyst's primary function will be to provide credit analysis assistance to the lenders. This position will monitor incoming financial statements for covenant requirements. The Credit Analyst will perform collateral audits, accounts receivable analysis, and borrowing base certificate reviews. This position is responsible for developing and maintaining knowledge of all loan-related regulations and internal compliance procedures. The Credit Analyst must perform all job responsibilities according to compliance requirements. The level of this position is based on years of service, education and/or equivalent experience, knowledge level and skill set. Essential Functions: To perform this job successfully, an individual must be able to perform each Essential Function and Skill satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Spread financial statements as requested; while maintaining a working knowledge of lending software, to provide overall support and assistance to Lending staff in the financial analysis process. Conduct industry research and locate resource material for peer comparison. Review incoming financial statements. Update and/or complete financial spreads and covenant monitoring spreadsheets to be forwarded to the appropriate Lending staff. Review and assist in negotiating loan agreements and ancillary documents related to transaction closing. Complete an analysis of accounts receivable aging and borrowing base certificates received from borrowers. Update the customer information system with current availability information. Understand the clients' needs and identify potential cross-selling opportunities for other Bank products and services. Perform collateral audits, as requested. Provide written financial statement analysis for credit presentations, file comments and annual reviews. Maintain the report of review due and work with lenders to keep comments current. Monitor and report on specialized portfolios. Perform an annual review of loan portfolios and report findings to appropriate lenders. Provide management report of outstanding issues. Complete periodic reviews of file quality for participation portfolio. Communicate security valuations deficiencies with lenders and perform any follow up action requested. Provide a summary of actions to supervisor. Perform duties in accordance with company policies and procedures, as well as Federal and State Regulations and Laws. Excellent written and verbal communication skills. Ability to multitask. Ability to prioritize workload. Assist co-workers as needed. All employees are expected to exemplify and follow our core values. Regular attendance and punctuality when reporting to work. Travel for trade and industry schools and seminars as needed. This position may require installation of a Multi-Factor Authentication (MFA) app on an employee's personal mobile device. THE MFA apps are used to authenticate a user's identity to the system for security purposes. Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank's policies and procedures. Perform other duties as assigned and requested. Core Values Humility - We are “blue-collar bankers”. We are relatable, down-to-earth people who greet our smallest customer the same way we greet our largest. Respectful, Genuine Care for Others - We care about each other, we care about our customers, and we care about our communities. Finds A Way - This simply put, is nothing more than attitude. It's a can-do spirit, a desire to help, to contribute, to go above and beyond, and to make a difference. Effort - We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled, and we need to earn it from our customers and each other every day. Owning-It - Owning-It or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank, it's about ownership. When an employee says they will do something, they follow through and get it done. Education and Experience: Required - High School diploma or GED, etc. Required - Continuing Education to maintain job knowledge. Preferred - One to three years of banking experience. Preferred - One to three years of Financial or Credit Analyst experience. Preferred - Proficiency in Microsoft Suites. Citizens Alliance Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual preference or orientation, gender identity, gender expression, national origin, disability, veteran status and all other protected classes.