Credit Analyst jobs at North American Savings Bank - 37 jobs

It's fun to work in a company where people truly BELIEVE in what they're doing! We're committed to bringing passion and customer focus to the business. The Credit Analyst II provides analytical support for commercial banking including an independent analysis of creditworthiness of customers and prospects. The position analyzes current credit data, financial statements, and necessary due diligence data of individuals or companies to determine the degree of risk involved in extending credit or lending money. The Credit Analyst II prepares reports with the credit information for use in decision making of concurring approvers. Essential Duties and Responsibilities Responsible for preparing basis and comprehensive credit analyses on commercial loans that facilitates the credit approval process for use by loan officers or committees in the making of lending decisions regarding new, renewal, and extension loans. Thoroughly analyze commercial credits which exceed $1.5 million in total credit exposure to the Bank. Analyzes information statements and related material and prepares summaries and presents facts, and offers thoughts concerning credit-worthiness. Analyzes factors such as income growth, margins, trends, quality of management, market shares, potential risks of industry and collateral appraisals. Prepares credit and cash flow analyses; submits credit approval documents and write-ups to appropriate personnel for decision making. Monitors compliance with loan agreements. Provides support of loan officers and managers through financial statement spreading and analysis of new loan requests and existing credit relationships. Participates in deal discussion meetings between lending personnel, market managers and appropriate credit officers. Performs duties with supervision of Credit Manager, Director of Credit or Credit Analyst III which will provide opportunity to develop a thorough understanding of various types of lending facilities as well as a variety of companies and industries. Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training. Performs other duties and responsibilities as assigned. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Skills Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations. Ability to write reports, business correspondence, and procedures manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Ability to solve practical problems and deals with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form. Education and/or Experience BS/BA Degree in Business, Accounting, Finance or a related field is required, and 3-5 years' work related experience and / or training preferred Computer Skills MS Office programs, Financial Spreading Software Other Qualifications (including physical requirements) Ability to manage multiple projects. Strong analytical and organizational skills. Excellent written and verbal communication skills. Proficiency in Microsoft Word and Excel. Equal Employment Opportunity Information: Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications.

Preparation of various loan system reports, including those that are submitted to the Board of Directors on a monthly basis. Preparation of technical exception reports, non-conforming loan reports, etc., for the eventual benefit of loan officers and Board of Directors. Responsible for completing financial analysis reviews assigned and loan proposals. Follow-up to ensure timely responses to the recommendations and the resolution and/or implementation of the same. Responsible for the entering of financial statement tracking, which includes entering information into the tracking system and also into the CASH software. This includes spreading all financial statements when they are received. Monitor credit files to ensure adequacy of documentation and timeliness of financial statements. Generate letters on a timely basis requesting current financial statements from customers. Review all downgraded loans to ensure we have proper real estate valuations in each file. Order re-evaluations as deemed necessary. Review and update loan documentation as required in loan policies and bank regulations. Keep abreast of changes in regulation and procedures that affect loan documentation and compliance. Assist with the appraisal process; including but not limited to; ordering appraisals, reviewing appraisals, and maintaining communication between bank and vendors. Perform various compliance related audits and projects as assigned. Attend training sessions to learn about the regulations that pertain to commercial loans and train other commercial loan personnel about the changes in regulations as they occur. Examine files systematically for adequacy of credit and/or deficiencies and report examination results to the supervisor, other officers or management as requested. Assist external and internal auditors in their reviews. Provide support to commercial lending staff and officers as needed.

Responsible for reviewing loans to ensure that acceptable credit standards are maintained and that loans conform to established company policy. Also responsible for conducting relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations. ESSENTIAL DUTIES AND RESPONSIBILITIES: Conduct investigation and analysis of routine financial data to facilitate the credit extension decision-making process. Use credit reporting services to compile reports regarding the credit history of potential customers. Research and analyze financial statements. Interpret findings and prepare reports of financial position and credit worthiness. Assist with the preparation and presentation to loan committees or customers. May offer opinions regarding financial strength and credit worthiness of customers. Offer opinions regarding financial strength and credit worthiness of customers. Maintain loan documentation files and monitor compliance with terms of loan agreements. Conduct a systematic review of commercial, installment, and mortgage loans to determine adequacy of documentation. Monitor the financial position of established accounts and brings irregularities to the attention of the Credit Department Officer and/or Vice President of Loan Administration. Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures evidenced by appropriate application of regulations in day-to-day operations. Demonstrate the highest level of professionalism, efficiency and customer service when resolving customer issues. Understand and maintain a thorough knowledge of Central Bank's services, operations, and organization; communicate this understanding to others when appropriate, and refer inquiries and correspondence to the proper department or individual. Complete or attend all required training. ADDITIONAL DUTIES AND RESPONSIBILITIES: Assist others as needed. The position may be assigned other duties and responsibilities and may be assigned work or training at other assigned locations.

The Associate Credit Analyst position is a pivotal role, serving as the dedicated single point of contact for Correspondent Lending clients. The primary goal of the Associate Credit Analyst is assisting the Correspondent Lenders in clearing suspense conditions and identifying bottlenecks that would delay their pipelines from being purchased timely. This critical position significantly contributes to maintaining Citibank's commitment to superior credit quality, an outstanding customer experience, and operational excellence. It requires a highly detail-oriented individual with strong problem-solving abilities, exceptional communication skills, and a dedication to client advocacy in a fast-paced lending environment. **Key Responsibilities:** + Serve as a single point of contact for Correspondent Lenders, providing guidance and support throughout the suspense condition resolution process. + Review and clear income, asset, and credit documentation submitted to address suspense conditions in accordance with both Agency and Non-Agency guidelines. + Monitor, maintain, and manage a daily pipeline, ensuring adherence to service level agreements and timely completion of reviews. + Review mortgage documentation from application through closing with comprehensive knowledge of the end-to-end origination process. + Ensure compliance with regulatory requirements, including RESPA and TILA. + Deliver exceptional customer service by working rebuttals, escalations and scenarios submitted by the Correspondent Lender. + Support Account Executives by contributing to client-relationship strategies and maintaining strong working partnerships with Correspondent Lenders. + Complete a pre-funding review to assist with purchasing loans. + Maintain production and quality standards as defined by the business. **Qualifications:** + Minimum 3 years of mortgage industry experience + Experience with FNMA and FHLMC underwriting requirements + Strong written and verbal communication skills + Ability to manage competing priorities in a fast-paced environment + High attention to detail and strong analytical skills **Education:** + Bachelor's/University degree or equivalent experience This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. _Note: This is not a Signature Underwriting position._ ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Credit Risk ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **Primary Location:** Ofallon Missouri United States ------------------------------------------------------ **Primary Location Full Time Salary Range:** $55 270,00 - $77 130,00 In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ **Most Relevant Skills** Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ **Other Relevant Skills** For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ **Anticipated Posting Close Date:** dic 18, 2025 ------------------------------------------------------ _Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._ _If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi (*************************************************************************** ._ _View Citi's EEO Policy Statement (*********************************************** and the Know Your Rights (*********************************************************************************************** poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

The Associate Credit Analyst position is a pivotal role, serving as the dedicated single point of contact for Correspondent Lending clients. The primary goal of the Associate Credit Analyst is assisting the Correspondent Lenders in clearing suspense conditions and identifying bottlenecks that would delay their pipelines from being purchased timely. This critical position significantly contributes to maintaining Citibank's commitment to superior credit quality, an outstanding customer experience, and operational excellence. It requires a highly detail-oriented individual with strong problem-solving abilities, exceptional communication skills, and a dedication to client advocacy in a fast-paced lending environment. Key Responsibilities: Serve as a single point of contact for Correspondent Lenders, providing guidance and support throughout the suspense condition resolution process. Review and clear income, asset, and credit documentation submitted to address suspense conditions in accordance with both Agency and Non-Agency guidelines. Monitor, maintain, and manage a daily pipeline, ensuring adherence to service level agreements and timely completion of reviews. Review mortgage documentation from application through closing with comprehensive knowledge of the end-to-end origination process. Ensure compliance with regulatory requirements, including RESPA and TILA. Deliver exceptional customer service by working rebuttals, escalations and scenarios submitted by the Correspondent Lender. Support Account Executives by contributing to client-relationship strategies and maintaining strong working partnerships with Correspondent Lenders. Complete a pre-funding review to assist with purchasing loans. Maintain production and quality standards as defined by the business. Qualifications: Minimum 3 years of mortgage industry experience Experience with FNMA and FHLMC underwriting requirements Strong written and verbal communication skills Ability to manage competing priorities in a fast-paced environment High attention to detail and strong analytical skills Education: Bachelor's/University degree or equivalent experience This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. Note: This is not a Signature Underwriting position. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Credit Risk ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location: Ofallon Missouri United States ------------------------------------------------------ Primary Location Full Time Salary Range: $55 270,00 - $77 130,00 In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ Most Relevant Skills Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Anticipated Posting Close Date: dic 18, 2025 ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi's EEO Policy Statement and the Know Your Rights poster.

Spokane, Washington residents: If a street address is not available, enter N/A when completing a job application. At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One. **Job Description** The successful candidate should have prior experience in originating or monitoring a commercial loan portfolio consisting of borrowers in healthcare related industries - including spreading, financial analysis, etc. Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit. Prior to making the credit decision or advising the person(s) making the final credit decision, the Credit Analyst conducts a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers. Reviews customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company. May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio. The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered. This active posting is for a Healthcare Credit Analyst role: Healthcare Credit Analyst 4, Healthcare Credit Analyst 5, Healthcare Credit Analyst 6. Below are the basic qualifications and preferred experience for each level of role. Your level of experience will be reviewed and matched to the appropriate job level when you apply to this posting. **Healthcare Credit Analyst 4** **Basic Qualifications** - Bachelor's degree, or equivalent underwriting experience - Typically one or more years of underwriting experience **Preferred Skills/Experience** - Underwriting experience focused on credit analysis and analytical skills working with complex healthcare credits - Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis - Background in economics, accounting, and/or finance - Excellent verbal and written communication skills - Proficient computer navigation skills using a variety of software packages including EXCEL and nCino **Healthcare Credit Analyst 5** **Basic Qualifications** - Bachelor's degree, or equivalent underwriting experience - Typically three or more years of underwriting experience **Preferred Skills/Experience** - Strong underwriting, credit analysis and analytical skills working with complex healthcare credits - In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis - Background in economics, accounting, and/or finance - Strong verbal and written communication skills - Proficient computer navigation skills using a variety of software packages - including nCino - Advanced background in MS Office suite of products and skillset with MS Excel **Healthcare Credit Analyst 6** **Basic Qualifications** - Bachelor's degree, or equivalent underwriting experience - Typically five or more years of underwriting experience **Preferred Skills/Experience** - Three or more years of advanced underwriting credit analysis and analytical skills working specifically with complex healthcare credits - In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis - Background in economics, accounting, and/or finance - Strong verbal and written communication skills - Proficient computer navigation skills using a variety of software packages - including nCino and Credit Lens - Advanced background in MS Office suite of products and skillset with MS Excel This role is posted remote; however, candidates who are located near any one of our locations would be required to work on site at least three days per week. If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (****************************************************************************** . **Benefits:** Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following: + Healthcare (medical, dental, vision) + Basic term and optional term life insurance + Short-term and long-term disability + Pregnancy disability and parental leave + 401(k) and employer-funded retirement plan + Paid vacation (from two to five weeks depending on salary grade and tenure) + Up to 11 paid holiday opportunities + Adoption assistance + Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law Review our full benefits available by employment status here (************************************************* . U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. **E-Verify** U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (********************************************************************** . The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $86,360.00 - $101,600.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. **Posting may be closed earlier due to high volume of applicants.**

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: The AB (Asset-Based) Portfolio Specialist manages a portfolio of asset-based structured loans in a variety of industries. The AB Portfolio Specialist is responsible for actively monitoring financial and collateral trends and recommending appropriate action. Responsibilities also include reviewing requests for loan modifications, analyzing financial performance, negotiating terms, drafting proposals, reviewing documents, and preparing recommendations for approval. The FAM Specialist ("Specialist") is responsible for the timely completion of accurate financial statement spreads and risk ratings in support of underwriting new credit requests, renewals, and traditional portfolio monitoring. The Specialist will also perform annual reviews on client relationships in alignment with Business Unit policy and procedures. Responsibilities: * Build trust and strong relationships and proactively drive engagement with Underwriting, Credit Executive and Client team partners. * Spread and analyze complex financial information, including Personal Financial Statements, Brokerage statements, Personal Tax Returns and Schedule K-1s, Business financials, etc. for high-net-worth clients. * Accurately risk rate clients using regulatory definitions, good credit judgement and the Risk Rating Scorecard tool. * Effectively and concisely communicate spreading and risk ratings outcomes with key business partners. * Understand and leverage tools, systems, and applications used in day-to-day functions such as Excel, Outlook, GUS, Loan IQ, EDR, Risk Rating Scorecard, etc. * Understand and accurately apply risk rating scorecard and spreading guidance. Required Qualifications: * Experience: 3-5 years in credit analysis, accounting, financial analysis, or a closely related credit risk role, including financial covenant testing and the ability to interpret and apply Commercial credit agreement terminology and concepts. * Policies and Procedures: 2+ years of credit analysis experience with Commercial credit policies and procedures * Technical Skills: Proficient in interpreting various Commercial loan documents. * Credit Analysis: Strong working knowledge of commercial loan structures and financial statement analysis, including personal financial statements, brokerage statements, rent rolls, and NOI statements; ability to identify and escalate early signs of credit deterioration, within the Commercial credit structure. * Operational Support: Exposure to GMS/Tableau reporting, documentation management, and process improvement. * Project Coordination: Capable of independently running analysis on credit supported small projects and streamlining team operations. * Systems Knowledge: Working proficiency with Commercial loans, collateral, client data and workflow systems along with SharePoint, and Adobe Acrobat. Desired Qualifications: * Bachelor's degree in Accounting, Finance or equivalent experience * System knowledge of LIQ, PACE, GMS, GUS, EDR, Genesis, Image Trust, Navigator, SharePoint , KYC, Adobe Acrobat Standard Skills: * Attention to Detail * Client Management * Decision Making * Underwriting * Credit Documentation Requirements * Critical Thinking * Portfolio Management * Problem Solving * Written Communications * Financial Analysis * Negotiation Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40

Saint Louis, Missouri **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (************************************************************************************************************ **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Job Description:** The AB (Asset-Based) Portfolio Specialist manages a portfolio of asset-based structured loans in a variety of industries. The AB Portfolio Specialist is responsible for actively monitoring financial and collateral trends and recommending appropriate action. Responsibilities also include reviewing requests for loan modifications, analyzing financial performance, negotiating terms, drafting proposals, reviewing documents, and preparing recommendations for approval. The FAM Specialist ("Specialist") is responsible for the timely completion of accurate financial statement spreads and risk ratings in support of underwriting new credit requests, renewals, and traditional portfolio monitoring. The Specialist will also perform annual reviews on client relationships in alignment with Business Unit policy and procedures. **Responsibilities:** + Build trust and strong relationships and proactively drive engagement with Underwriting, Credit Executive and Client team partners. + Spread and analyze complex financial information, including Personal Financial Statements, Brokerage statements, Personal Tax Returns and Schedule K-1s, Business financials, etc. for high-net-worth clients. + Accurately risk rate clients using regulatory definitions, good credit judgement and the Risk Rating Scorecard tool. + Effectively and concisely communicate spreading and risk ratings outcomes with key business partners. + Understand and leverage tools, systems, and applications used in day-to-day functions such as Excel, Outlook, GUS, Loan IQ, EDR, Risk Rating Scorecard, etc. + Understand and accurately apply risk rating scorecard and spreading guidance. **Required Qualifications:** + Experience: 3-5 years in credit analysis, accounting, financial analysis, or a closely related credit risk role, including financial covenant testing and the ability to interpret and apply Commercial credit agreement terminology and concepts. + Policies and Procedures: 2+ years of credit analysis experience with Commercial credit policies and procedures + Technical Skills: Proficient in interpreting various Commercial loan documents. + Credit Analysis: Strong working knowledge of commercial loan structures and financial statement analysis, including personal financial statements, brokerage statements, rent rolls, and NOI statements; ability to identify and escalate early signs of credit deterioration, within the Commercial credit structure. + Operational Support: Exposure to GMS/Tableau reporting, documentation management, and process improvement. + Project Coordination: Capable of independently running analysis on credit supported small projects and streamlining team operations. + Systems Knowledge: Working proficiency with Commercial loans, collateral, client data and workflow systems along with SharePoint, and Adobe Acrobat. **Desired Qualifications:** + Bachelor's degree in Accounting, Finance or equivalent experience + System knowledge of LIQ, PACE, GMS, GUS, EDR, Genesis, Image Trust, Navigator, SharePoint , KYC, Adobe Acrobat Standard **Skills:** + Attention to Detail + Client Management + Decision Making + Underwriting + Credit Documentation Requirements + Critical Thinking + Portfolio Management + Problem Solving + Written Communications + Financial Analysis + Negotiation **Minimum Education Requirement:** High School Diploma / GED / Secondary School or equivalent **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: The AB (Asset-Based) Portfolio Specialist manages a portfolio of asset-based structured loans in a variety of industries. The AB Portfolio Specialist is responsible for actively monitoring financial and collateral trends and recommending appropriate action. Responsibilities also include reviewing requests for loan modifications, analyzing financial performance, negotiating terms, drafting proposals, reviewing documents, and preparing recommendations for approval. The FAM Specialist (“Specialist”) is responsible for the timely completion of accurate financial statement spreads and risk ratings in support of underwriting new credit requests, renewals, and traditional portfolio monitoring. The Specialist will also perform annual reviews on client relationships in alignment with Business Unit policy and procedures. Responsibilities: Build trust and strong relationships and proactively drive engagement with Underwriting, Credit Executive and Client team partners. Spread and analyze complex financial information, including Personal Financial Statements, Brokerage statements, Personal Tax Returns and Schedule K-1s, Business financials, etc. for high-net-worth clients. Accurately risk rate clients using regulatory definitions, good credit judgement and the Risk Rating Scorecard tool. Effectively and concisely communicate spreading and risk ratings outcomes with key business partners. Understand and leverage tools, systems, and applications used in day-to-day functions such as Excel, Outlook, GUS, Loan IQ, EDR, Risk Rating Scorecard, etc. Understand and accurately apply risk rating scorecard and spreading guidance. Required Qualifications: Experience: 3-5 years in credit analysis, accounting, financial analysis, or a closely related credit risk role, including financial covenant testing and the ability to interpret and apply Commercial credit agreement terminology and concepts. Policies and Procedures: 2+ years of credit analysis experience with Commercial credit policies and procedures Technical Skills: Proficient in interpreting various Commercial loan documents. Credit Analysis: Strong working knowledge of commercial loan structures and financial statement analysis, including personal financial statements, brokerage statements, rent rolls, and NOI statements; ability to identify and escalate early signs of credit deterioration, within the Commercial credit structure. Operational Support: Exposure to GMS/Tableau reporting, documentation management, and process improvement. Project Coordination: Capable of independently running analysis on credit supported small projects and streamlining team operations. Systems Knowledge: Working proficiency with Commercial loans, collateral, client data and workflow systems along with SharePoint, and Adobe Acrobat. Desired Qualifications: Bachelor's degree in Accounting, Finance or equivalent experience System knowledge of LIQ, PACE, GMS, GUS, EDR, Genesis, Image Trust, Navigator, SharePoint , KYC, Adobe Acrobat Standard Skills: Attention to Detail Client Management Decision Making Underwriting Credit Documentation Requirements Critical Thinking Portfolio Management Problem Solving Written Communications Financial Analysis Negotiation Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40

Royal Banks of Missouri Job Description Job Title: Junior Credit Analyst Department: Credit Reports To: Senior Credit Officer FLSA Status: Non-Exempt Summary: Responsible for maintaining and reviewing credit files in the Center Doc system, preparing various departmental reports and minutes and other administrative tasks. Prepares credit analysis for assigned relationships including annual credit review memorandums, credit commitments for review by the loan committee and memorandums by performing the following duties below. This is an on-site/in-office position and is not eligible for relocation reimbursement. Duties and Responsibilities include the following. Other duties may be assigned. Assists with the coordination of weekly loan committee meetings by preparing PowerPoint presentations, preparing packets for review by the loan committee and loading the presentation on board portal.* Responsible for the maintenance of credit files, including scanning and indexing of new and existing files, updating financial ticklers and filing updated financial information in a timely manner.* Responsible for assisting with processing for the Business Manager loan product.* Assists with the preparation of the loan committee minutes when required. Maintains the loan committee minute books by having the approved minutes signed by an authorized bank officer, placing the minutes in the books and ordering the appropriate book on an annual basis.* Assists in the preparation of various weekly, monthly and quarterly reports as assigned including the borrowing base certificate report, the new and renewed loans reports, home equity analysis report, the funding report, the pending report and any other reports deemed appropriate.* Responsible for the annual completion of RMA statement studies data submission forms to satisfactorily meet the goals set by RMA.* Assists with loan servicing as needed. Completes all financial analysis reviews as assigned and reports results to the appropriate lending officer or department supervisor.* Obtains financial information to prepare credit proposals and perform analysis related to a borrowers repayment ability, collateral position, capital structure, and overall solvency.* Examines files systematically for adequacy of credit or deficiencies, reports results to the appropriate lending officer as requested and prepares financial request letters or emails based on the identified deficiencies.* Prepares written analysis on all large loans, aggregate loan relationships and complex loans.* Assists in the preparation of loan rating reviews, watch list presentations, loan loss reserve reviews and exception reports.* Researches critical issues and outside forces that could impact existing credit relationships and new loan proposals.* Assists in the preparation of real estate evaluations on residential real estate.* Monitors maturing and matured loan reports for opportunities to assist loan officers.* Responsible for joining relationship managers on client calls and meetings when financial analysis requires additional data or answers.* Assists external auditors with their examination and maintains ongoing communication to increase efficiency.* Responsible for assisting management with the preparation of responses to examination reports.* Responsible for being knowledgeable with regard to various credit enhancement programs such as the Small Business Administration and Business Development Fund programs.* Assists bank management with issues that arise with other real estate owned. Maintains technical knowledge and skills by reading regulatory materials and banking publications and attending seminars or other job related courses. Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Language Ability: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Math Ability: Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations. Reasoning Ability: Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. Computer Skills: To perform this job successfully, an individual should have knowledge of Microsoft Word; Microsoft Excel; Microsoft Access; Microsoft Outlook; Microsoft PowerPoint; Microsoft Access. Knowledge of CSI NuPoint is preferred. Education/Experience: Bachelor's degree (B. A. / B. S.) from four-year college or university; or two to four years related experience and/or training; or equivalent combination of education and experience. Specialized Training: Degree or education should include the completion of a financial and managerial accounting courses and finance courses. Certificates and Licenses: Valid driver's license is preferred Knowledge, Skills and Other Abilities: Time management Oral communication skills Written communication skills Professionalism Ability to prioritize based on numerous factors Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit; use hands; reach with hands and arms and talk or hear. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Description: located in St. Louis, MO. About Us: At INB, a career is more than just a job; it's a chance to make a meaningful impact in the communities we serve. As a locally owned, community-focused bank, we're proud to help individuals, families, and businesses achieve their financial goals through personalized service and trusted relationships. Our success is driven by a team that genuinely cares about our customers, our coworkers, and our community. When you join INB, you're not just joining a workplace; you're becoming part of a purpose-driven culture built on our core values: Caring, Creative, Teamwork, Balance, Working Smart, and Assertive & Enthusiastic. Together, we make a positive difference every day for our customers and for each other. Summary Evaluate the financial condition of commercial loan borrowers (individuals/businesses) using analytical, organizational, and communication skills. We seek a team player who will develop working relationships with lending/credit staff. Requirements: Essential Duties and Responsibilities include the following. Other duties may be assigned. Spread and analyze corporate and individual financial statements and tax returns. Prepare credit presentations to be used in the credit approval process including cash flow analysis, forecasting of future performance, industry trends and loan performance histories. Assign risk ratings to support loan requests Maintain knowledge of all supportive software, compliance, and procedures as they relate to the loan department Studies economic trends in firm's industry or branch of industry to predict probable success of new customer. Adhere to the bank's policies, procedures, security requirements and government regulations. Working knowledge of loan policy and guidelines to assist in appropriate structuring. Prepare annual loan reviews of existing loan relationships to ensure complete information, communicating with lenders regarding missing information and applicable questions. Create and update covenant compliance checks. Occasional travel to Springfield, IL corporate office for department meetings or training. Supervisory Responsibilities This job has no supervisory responsibilities. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Excellent verbal and written communication skills. Ability to analyze financial statements/tax returns (profit and loss, balance sheet, and cash flow statements). Strong analytical skills and resourcefulness necessary to complete in-depth industry and market analysis. Ability to multi-task in a fast-paced environment. Strong attention to detail and accuracy while working independently to establish priorities and meet deadlines. Education and/or Experience Bachelor's degree in finance, accounting, or related field with a minimum of 7 years credit-related experience in banking or an accounting related field. Computer Skills Strong proficiency in PC application, including various software systems, including Microsoft Word and Excel and banking systems. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Group Insurance Benefits and Plans INB provides health, dental, vision, and life insurance benefits to all full-time employees. Coverage also is extended to their eligible dependents. Active employees make premium contributions based on plan selections. Please click the link below for all benefits that are offered. ************************************************************************************************************** The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions. ADA Disclaimer: In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for American with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis. INB, N.A. is committed to Equal Employment Opportunity with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment. It is INB's policy to afford equal opportunity to all employees and applicants for employment without regard to race, creed, color, sex, sexual orientation, age, marital status, national origin, disability, religion, veteran status, or any other basis prohibited by law. The EEO Law poster is available here: Know Your Rights: Workplace discrimination is illegal

located in St. Louis, MO. About Us: At INB, a career is more than just a job; it's a chance to make a meaningful impact in the communities we serve. As a locally owned, community-focused bank, we're proud to help individuals, families, and businesses achieve their financial goals through personalized service and trusted relationships. Our success is driven by a team that genuinely cares about our customers, our coworkers, and our community. When you join INB, you're not just joining a workplace; you're becoming part of a purpose-driven culture built on our core values: Caring, Creative, Teamwork, Balance, Working Smart, and Assertive & Enthusiastic. Together, we make a positive difference every day for our customers and for each other. Summary Evaluate the financial condition of commercial loan borrowers (individuals/businesses) using analytical, organizational, and communication skills. We seek a team player who will develop working relationships with lending/credit staff. Requirements Essential Duties and Responsibilities include the following. Other duties may be assigned. Spread and analyze corporate and individual financial statements and tax returns. Prepare credit presentations to be used in the credit approval process including cash flow analysis, forecasting of future performance, industry trends and loan performance histories. Assign risk ratings to support loan requests Maintain knowledge of all supportive software, compliance, and procedures as they relate to the loan department Studies economic trends in firm's industry or branch of industry to predict probable success of new customer. Adhere to the bank's policies, procedures, security requirements and government regulations. Working knowledge of loan policy and guidelines to assist in appropriate structuring. Prepare annual loan reviews of existing loan relationships to ensure complete information, communicating with lenders regarding missing information and applicable questions. Create and update covenant compliance checks. Occasional travel to Springfield, IL corporate office for department meetings or training. Supervisory Responsibilities This job has no supervisory responsibilities. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Excellent verbal and written communication skills. Ability to analyze financial statements/tax returns (profit and loss, balance sheet, and cash flow statements). Strong analytical skills and resourcefulness necessary to complete in-depth industry and market analysis. Ability to multi-task in a fast-paced environment. Strong attention to detail and accuracy while working independently to establish priorities and meet deadlines. Education and/or Experience Bachelor's degree in finance, accounting, or related field with a minimum of 7 years credit-related experience in banking or an accounting related field. Computer Skills Strong proficiency in PC application, including various software systems, including Microsoft Word and Excel and banking systems. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Group Insurance Benefits and Plans INB provides health, dental, vision, and life insurance benefits to all full-time employees. Coverage also is extended to their eligible dependents. Active employees make premium contributions based on plan selections. Please click the link below for all benefits that are offered. ************************************************************************************************************** The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions. ADA Disclaimer: In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for American with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis. INB, N.A. is committed to Equal Employment Opportunity with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment. It is INB's policy to afford equal opportunity to all employees and applicants for employment without regard to race, creed, color, sex, sexual orientation, age, marital status, national origin, disability, religion, veteran status, or any other basis prohibited by law. The EEO Law poster is available here: Know Your Rights: Workplace discrimination is illegal

ROLE OVERVIEW We are seeking a Business Credit Analyst, this role plays an important part in evaluating commercial loan requests and supporting the growth of our business lending portfolio. You'll analyze financial data, assess risk, and prepare loan proposals that align with our credit union's standards and member-focused values. This position requires strong analytical skills, attention to detail, and a collaborative mindset. KEY RESPONSIBILITIES Work closely with the Asst. Vice President of Business Lending to build relationships with prospective business members and meet annual portfolio growth goals. Review and underwrite business loan applications in accordance with established policies and guidelines. Analyze financial statements, tax returns, credit reports, and other data to assess loan profitability and risk. Utilize Sageworks and other underwriting software to support credit analysis and documentation. Evaluate collateral sources and monitor the financial health of business borrowers. Prepare comprehensive loan proposals for presentation to the Loan Committee. Ensure loan files are complete, accurate, and compliant prior to closing. Serve as a subject matter expert on business lending products and procedures. PREFERRED QUALIFICATIONS Bachelor's degree in Finance, Accounting, Economics, or a related field (preferred but not required). 2+ years of experience in credit analysis, commercial lending, or financial services. Proficiency in Microsoft Word, Excel, and financial analysis tools. Strong understanding of financial statements and business tax returns. Excellent communication skills and ability to work in a member-focused, sales-oriented environment. Collaborative team player with strong problem-solving abilities. Professional demeanor and commitment to credit union policies and service standards.

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One. Job Description Credit Strategy is a dynamic team within Credit Risk Management focused on optimizing the identification, quantification and mitigation of credit risk. The team oversees critical second line of defense risk management programs including USB's risk limit framework, risk rating, policy exceptions, risk ID, credit concentration, stress testing, collateral audit, credit policy and procedures, portfolio monitoring, strategic product growth and/or enhancements, regulatory review and compliance, and rapid response to emerging risk. Credit Strategy culture revolves around innovation, execution and collaboration across all 3 lines of defense and regulatory bodies. Talent seeking to join the Strategy team should possess an inquisitive and growth mindset, track record of taking initiative, and agility to problem solve in a team setting. About the Role In this role, you will serve as a thought leader, coordinator and implementation manager to help ensure we effectively meet or exceed the goals for key credit risk management strategy initiatives and programs. Industry Credit Risk Management - CRE Officer is responsible for portfolio management of the bank-wide Commercial Real Estate (CRE) and Impact Finance (formerly Community Development Corp) portfolios across U.S. Bank. The functions include emerging risk identification, managing risk appetite through risk limits and credit policies, portfolio construction and asset allocation strategies, as well as management of concentration, correlation, and specialized risks associated with the CRE and Impact Finance portfolios. Additional duties would include developing pro-active and forward-looking viewpoints regarding the industry / portfolio and creating solutions and recommendations for managing risk and influencing positive change. This includes directing, monitoring, and coordinating risk management projects for assigned industries / portfolios. This role provides independent risk management and governance while working closely with the business line, credit approval and various other key constituents to build out a comprehensive and proactive approach to portfolio management that promotes a strong risk management culture, aligned with U.S. Bank's risk appetite. You will build and maintain relationships with peers in the Credit Strategy as well as the broader Credit Risk Management (CRM) organization and line of business to achieve desired project goals or program outcomes. This is an influential individual contributor role that requires managing projects simultaneously, maintaining strong procedural documentation, and adjusting priorities as the business and regulatory environment evolves. Key Activities * Partnering with Credit Risk Management and U.S. Bank business units to identify and manage emerging risks associated with the respective portfolio. This includes developing relevant metrics and segmentation to assess exposure at risk and credit policies to mitigate short-term and long-term risks, with demonstrated value creation where feasible. * Assisting in developing requirements for technology projects to gather relevant data and design ongoing or ad-hoc analyses as needed. * Working with the centralized reporting team to develop and maintain relevant reporting, risk limits and analysis, and performing scenario analysis to understand the bank's exposure to potential risks and opportunities. * Preparing management reports and presentations to communicate current state and progress on credit-focused initiatives. Core Competencies: * Hands-on leader who excels at collaborating across functional areas to develop, drive and maintain the credit risk strategy and ensure we meet core business objectives * Self-starter, ability to quickly assimilate and analyze large amounts of information across a variety of topics * Strong tenacity and resilient under pressure and self-motivated in a fast paced and demanding environment * Highly engaged, strong attention to detail, and outcome oriented * Strong analytical problem solving, and the person should have a high level of integrity to deal with highly confidential data * Presents persuasively and authoritatively to peers and senior leadership, while facilitating collaborative conversation * Consistently delivering work that meets or exceeds commitments Basic Qualifications * Bachelor's degree, or equivalent work experience * Typically more than 10 years of applicable experience Preferred Skills/Experience * Bachelor's degree in Business, Finance, Economics, Statistics or similar * Understanding of basic credit risk management concepts, along with 1st line and/or 2nd line experience related to underwriting and/or credit risk portfolio management preferred * Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business * Broad understanding of Commercial Real Estate credit risk processes and governance programs, and credit data at U.S. Bank, or another mid-sized or large banking institution * Considerable understanding of the business line's operations, products/services, systems, and associated risks/controls * Thorough knowledge of Risk/Compliance/Audit competencies * Strong analytical, process facilitation and project management skills * Interest and awareness of external environment and economic events and their potential impacts to credit risk * Effective presentation, interpersonal, written and verbal communication skills * Effective relationship building and negotiation skills * Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications and word processing, spreadsheets, databases, and presentations * Applicable professional certifications Location expectations This role requires working from a U.S. Bank location three (3) or more days per week. If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants. Benefits: Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours): * Healthcare (medical, dental, vision) * Basic term and optional term life insurance * Short-term and long-term disability * Pregnancy disability and parental leave * 401(k) and employer-funded retirement plan * Paid vacation (from two to five weeks depending on salary grade and tenure) * Up to 11 paid holiday opportunities * Adoption assistance * Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. E-Verify U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program. The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $126,820.00 - $149,200.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. Posting may be closed earlier due to high volume of applicants.

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One. **Job Description** Credit Strategy is a dynamic team within Credit Risk Management focused on optimizing the identification, quantification and mitigation of credit risk. The team oversees critical second line of defense risk management programs including USB's risk limit framework, risk rating, policy exceptions, risk ID, credit concentration, stress testing, collateral audit, credit policy and procedures, portfolio monitoring, strategic product growth and/or enhancements, regulatory review and compliance, and rapid response to emerging risk. Credit Strategy culture revolves around innovation, execution and collaboration across all 3 lines of defense and regulatory bodies. Talent seeking to join the Strategy team should possess an inquisitive and growth mindset, track record of taking initiative, and agility to problem solve in a team setting. **About the Role** In this role, you will serve as a thought leader, coordinator and implementation manager to help ensure we effectively meet or exceed the goals for key credit risk management strategy initiatives and programs. Industry Credit Risk Management - CRE Officer is responsible for portfolio management of the bank-wide Commercial Real Estate (CRE) and Impact Finance (formerly Community Development Corp) portfolios across U.S. Bank. The functions include emerging risk identification, managing risk appetite through risk limits and credit policies, portfolio construction and asset allocation strategies, as well as management of concentration, correlation, and specialized risks associated with the CRE and Impact Finance portfolios. Additional duties would include developing pro-active and forward-looking viewpoints regarding the industry / portfolio and creating solutions and recommendations for managing risk and influencing positive change. This includes directing, monitoring, and coordinating risk management projects for assigned industries / portfolios. This role provides independent risk management and governance while working closely with the business line, credit approval and various other key constituents to build out a comprehensive and proactive approach to portfolio management that promotes a strong risk management culture, aligned with U.S. Bank's risk appetite. You will build and maintain relationships with peers in the Credit Strategy as well as the broader Credit Risk Management (CRM) organization and line of business to achieve desired project goals or program outcomes. This is an influential individual contributor role that requires managing projects simultaneously, maintaining strong procedural documentation, and adjusting priorities as the business and regulatory environment evolves. **Key Activities** + Partnering with Credit Risk Management and U.S. Bank business units to identify and manage emerging risks associated with the respective portfolio. This includes developing relevant metrics and segmentation to assess exposure at risk and credit policies to mitigate short-term and long-term risks, with demonstrated value creation where feasible. + Assisting in developing requirements for technology projects to gather relevant data and design ongoing or ad-hoc analyses as needed. + Working with the centralized reporting team to develop and maintain relevant reporting, risk limits and analysis, and performing scenario analysis to understand the bank's exposure to potential risks and opportunities. + Preparing management reports and presentations to communicate current state and progress on credit-focused initiatives. **Core Competencies:** + Hands-on leader who excels at collaborating across functional areas to develop, drive and maintain the credit risk strategy and ensure we meet core business objectives + Self-starter, ability to quickly assimilate and analyze large amounts of information across a variety of topics + Strong tenacity and resilient under pressure and self-motivated in a fast paced and demanding environment + Highly engaged, strong attention to detail, and outcome oriented + Strong analytical problem solving, and the person should have a high level of integrity to deal with highly confidential data + Presents persuasively and authoritatively to peers and senior leadership, while facilitating collaborative conversation + Consistently delivering work that meets or exceeds commitments **Basic Qualifications** - Bachelor's degree, or equivalent work experience - Typically more than 10 years of applicable experience **Preferred Skills/Experience** - Bachelor's degree in Business, Finance, Economics, Statistics or similar - Understanding of basic credit risk management concepts, along with 1st line and/or 2nd line experience related to underwriting and/or credit risk portfolio management preferred - Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business - Broad understanding of Commercial Real Estate credit risk processes and governance programs, and credit data at U.S. Bank, or another mid-sized or large banking institution - Considerable understanding of the business line's operations, products/services, systems, and associated risks/controls - Thorough knowledge of Risk/Compliance/Audit competencies - Strong analytical, process facilitation and project management skills - Interest and awareness of external environment and economic events and their potential impacts to credit risk - Effective presentation, interpersonal, written and verbal communication skills - Effective relationship building and negotiation skills - Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications and word processing, spreadsheets, databases, and presentations - Applicable professional certifications **Location expectations** This role requires working from a U.S. Bank location three (3) or more days per week. If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (****************************************************************************** . **Benefits:** Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours): + Healthcare (medical, dental, vision) + Basic term and optional term life insurance + Short-term and long-term disability + Pregnancy disability and parental leave + 401(k) and employer-funded retirement plan + Paid vacation (from two to five weeks depending on salary grade and tenure) + Up to 11 paid holiday opportunities + Adoption assistance + Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. **E-Verify** U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (********************************************************************** . The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $126,820.00 - $149,200.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. **Posting may be closed earlier due to high volume of applicants.**

UMB Commercial Banking & Lending (******************************* provides a comprehensive solution to commercial organizations of all sizes. On this Credit Analyst team, you gain the knowledge and skill to understand UMB's Commercial lending philosophy. You will gain broad understanding of loan processes and gain the skills needed to grow your career in UMB's Commercial Lending team. As the Credit Analyst, you provide the initial analysis of every commercial loan for UMB. The Credit Analysis team works on different types of loans and size across all markets and verticals. As a Credit Analyst you will work with the Loan Officers to review new loan information for approval. In this role, you will have the opportunity to attend loan committee, participate in a credit rotation program, and interface with senior management. **How you'll spend your time:** + You will spread and analyze information regarding various companies' credit standing to achieve loan approval. + You will analyze various companies' relationships with UMB to gain a wholistic view of overall financial health. + You will produce the formal credit write up to summarize the credit standing for approval. **We're excited to talk with you if:** + You have completed your bachelor's degree in business, finance or related area. + OR equivalent work experience + Have completed 6 hours of Accounting at a collegiate level. **Compensation Range:** $38,910.00 - $75,080.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information_ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

UMB Commercial Banking & Lending provides a comprehensive solution to commercial organizations of all sizes. On this Credit Analyst team, you gain the knowledge and skill to understand UMB's Commercial lending philosophy. You will gain broad understanding of loan processes and gain the skills needed to grow your career in UMB's Commercial Lending team. As the Credit Analyst, you provide the initial analysis of every commercial loan for UMB. The Credit Analysis team works on different types of loans and size across all markets and verticals. As a Credit Analyst you will work with the Loan Officers to review new loan information for approval. In this role, you will have the opportunity to attend loan committee, participate in a credit rotation program, and interface with senior management. How you'll spend your time: You will spread and analyze information regarding various companies' credit standing to achieve loan approval. You will analyze various companies' relationships with UMB to gain a wholistic view of overall financial health. You will produce the formal credit write up to summarize the credit standing for approval. We're excited to talk with you if: You have completed your bachelor's degree in business, finance or related area. OR equivalent work experience Have completed 6 hours of Accounting at a collegiate level. Compensation Range: $38,910.00 - $75,080.00 The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. Are you ready to be part of something more? You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to ************************* to let us know the nature of your request. If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.

The Loan Administration team is a part of the Middle Office team that provides loan preparation and assistance for consumer, commercial, and real estate loans. Within the Loan Administration environment, this team interacts with internal partners to ensure all loans provided to them have correct information and are in compliance with UMB loan regulatory guidelines. With our robust training to provide extensive UMB and financial knowledge, this team provides loan support and loan decisions to their internal partners. The Loan Administration team is about creating strong connections amongst its associates to develop and maintain a positive working experience. You are valued for who you are in a fun, professional setting. It is a smaller team that works closely together to ensure everyone is successful. Associates are supported and encouraged to work with their manager to develop roadmaps for opportunity within Loan Administration and beyond. The Consumer Loan Coordinator-Real Estate will partner with Personal Bankers, and The Consumer Underwriting Dept. to provide assistance in coordinating the processing of new loan requests, renewals and refinances of Consumer and Real Estate loans. You will complete coordinating of the loan file as well as processing of the loan documents delivered to the loan officer for execution all the while ensuring the file conforms to lending policy and regulatory guidelines. **_How you'll spend your time:_** + You will be responsible for making sure the loan types are conforming to lending policy and regulatory guidelines. + You will communicate with customers, staff, counsel, title companies, etc. to coordinate assigned closings. + You will be responsible for reviewing the final loan documentation prior to delivery to loan officer. **_We are excited to talk to you if you have:_** + 5 years Consumer and Real Estate Loan Coordinating experience + High school diploma or equivalent + Understanding of Article 9, RESPA, Reg Z and B **Compensation Range:** $44,790.00 - $86,510.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information_ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

The Loan Administration team is a part of the Middle Office team that provides loan preparation and assistance for consumer, commercial, and real estate loans. Within the Loan Administration environment, this team interacts with internal partners to ensure all loans provided to them have correct information and are in compliance with UMB loan regulatory guidelines. With our robust training to provide extensive UMB and financial knowledge, this team provides loan support and loan decisions to their internal partners. The Loan Administration team is about creating strong connections amongst its associates to develop and maintain a positive working experience. You are valued for who you are in a fun, professional setting. It is a smaller team that works closely together to ensure everyone is successful. Associates are supported and encouraged to work with their manager to develop roadmaps for opportunity within Loan Administration and beyond. The Consumer Loan Coordinator-Real Estate will partner with Personal Bankers, and The Consumer Underwriting Dept. to provide assistance in coordinating the processing of new loan requests, renewals and refinances of Consumer and Real Estate loans. You will complete coordinating of the loan file as well as processing of the loan documents delivered to the loan officer for execution all the while ensuring the file conforms to lending policy and regulatory guidelines. How you'll spend your time: You will be responsible for making sure the loan types are conforming to lending policy and regulatory guidelines. You will communicate with customers, staff, counsel, title companies, etc. to coordinate assigned closings. You will be responsible for reviewing the final loan documentation prior to delivery to loan officer. We are excited to talk to you if you have: 5 years Consumer and Real Estate Loan Coordinating experience High school diploma or equivalent Understanding of Article 9, RESPA, Reg Z and B Compensation Range: $44,790.00 - $86,510.00 The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. Are you ready to be part of something more? You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to ************************* to let us know the nature of your request. If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.