Commercial Credit Analyst jobs at Western Alliance Bank

About this role BlackRock is one of the world's preeminent asset management firms and a premier provider of global investment management, risk management and advisory services to institutional, intermediary, and individual investors around the world. BlackRock's mission is to create a better financial future for our clients. We have a responsibility to be the voice of the investor, and we represent each client fairly and equally. Constant communication with a diverse team of partners strengthens us and delivers better results for our clients. Continuous innovation helps us bring the best of BlackRock to our clients. BlackRock offers a range of solutions - from rigorous fundamental and quantitative active management approaches aimed at maximizing outperformance to highly efficient indexing strategies designed to gain broad exposure to the world's capital markets. Our clients can access our investment solutions through a variety of product structures, including individual and institutional separate accounts, mutual funds and other pooled investment vehicles, and the industry-leading iShares ETFs. The Global Fixed Income Group (FFI) at BlackRock handles more than $1.2 trillion in fixed income assets across index, active, and liability driven strategies. The platform offers fixed income investors one of the industry's broadest arrays of investment choices across index, model-based and fundamental investment styles. Within FFI, the global Securitized Assets team is composed of over 30 seasoned investment professionals investing more than $120bn in AUM across the spectrum of Commercial Mortgage-Backed Securities (CMBS), Commercial Mortgage Loans (CML's), Non-Agency Residential Mortgage-Backed Securities (RMBS), Asset Backed Securities (ABS), and Collateralized Loan Obligations (CLO's). The CMBS/CML team within Structured Products currently manages over $50bn in CMBS AUM and over $5bn in CML AUM and is seeking an individual at the Associate level with an expertise in sizing and playing a key role in the underwriting and closing of directly originated commercial mortgage loans. KEY RESPONSIBILITIES * Responsible for direct origination of senior commercial mortgage loans spanning $20mm to $100mm * Capable of originating a minimum of $500mm to $1bn on an annual basis * Loans to be sourced from both direct borrower relationships and the CML broker community. Candidate must have a broad array of direct contacts across the CML and CRE business * Loan categories to include: * Fixed rate loans on stabilized collateral * Floating rate loans on very "light transitional" collateral (i.e. less transitional as compared to loans in CRE CLO's) * May also consider subordinate debt on a case-by-case basis * Responsible for evaluating deal flow along with initial preliminary underwriting to identify the most attractive loan candidates that fit portfolio mandates, and presenting best candidates to CML team * Must be capable of understanding investment criteria across a diverse set of portfolios including dedicated CML separate accounts and unconstrained mutual funds * Work with underwriting and closing team to take loans through internal credit process and present to Investment Committee * Maintain communications with borrowers and/or loan brokers throughout entire process * Candidate must also be able to play a key role in monitoring and surveilling closed loans * Remain informed of market conditions including leverage levels and pricing across competitive landscape QUALIFICATIONS * Must have a minimum of 3-5+ years' experience personally originating commercial mortgage loans * Ability to evaluate credit on all major commercial real estate property categories. Familiarity with other property types including data centers, senior housing, student housing, etc is a plus * Knowledge of strengths and weaknesses of major CRE markets across the country * Comfortable working in a highly collaborative team environment * Strong communication, interpersonal and time-management skills with an emphasis on being detail oriented * Ability to successfully perform under pressure and meet deadlines in a fast-paced work environment while managing multiple projects * Proficiency in Argus, PowerPoint and Excel. Flexibility to learn other programs including Aladdin and fixed income-specific tools For New York, NY Only the salary range for this position is USD$116,000.00 - USD$155,000.00 . Additionally, employees are eligible for an annual discretionary bonus, and benefits including healthcare, leave benefits, and retirement benefits. BlackRock operates a pay-for-performance compensation philosophy and your total compensation may vary based on role, location, and firm, department and individual performance. Our benefits To help you stay energized, engaged and inspired, we offer a wide range of benefits including a strong retirement plan, tuition reimbursement, comprehensive healthcare, support for working parents and Flexible Time Off (FTO) so you can relax, recharge and be there for the people you care about. Our hybrid work model BlackRock's hybrid work model is designed to enable a culture of collaboration and apprenticeship that enriches the experience of our employees, while supporting flexibility for all. Employees are currently required to work at least 4 days in the office per week, with the flexibility to work from home 1 day a week. Some business groups may require more time in the office due to their roles and responsibilities. We remain focused on increasing the impactful moments that arise when we work together in person - aligned with our commitment to performance and innovation. As a new joiner, you can count on this hybrid model to accelerate your learning and onboarding experience here at BlackRock. About BlackRock At BlackRock, we are all connected by one mission: to help more and more people experience financial well-being. Our clients, and the people they serve, are saving for retirement, paying for their children's educations, buying homes and starting businesses. Their investments also help to strengthen the global economy: support businesses small and large; finance infrastructure projects that connect and power cities; and facilitate innovations that drive progress. This mission would not be possible without our smartest investment - the one we make in our employees. It's why we're dedicated to creating an environment where our colleagues feel welcomed, valued and supported with networks, benefits and development opportunities to help them thrive. For additional information on BlackRock, please visit @blackrock | Twitter: @blackrock | LinkedIn: ********************************** BlackRock is proud to be an equal opportunity workplace. We are committed to equal employment opportunity to all applicants and existing employees, and we evaluate qualified applicants without regard to race, creed, color, national origin, sex (including pregnancy and gender identity/expression), sexual orientation, age, ancestry, physical or mental disability, marital status, political affiliation, religion, citizenship status, genetic information, veteran status, or any other basis protected under applicable federal, state, or local law. View the EEOC's Know Your Rights poster and its supplement and the pay transparency statement. BlackRock is committed to full inclusion of all qualified individuals and to providing reasonable accommodations or job modifications for individuals with disabilities. If reasonable accommodation/adjustments are needed throughout the employment process, please email Disability.Assistance@blackrock.com. All requests are treated in line with our privacy policy. BlackRock will consider for employment qualified applicants with arrest or conviction records in a manner consistent with the requirements of the law, including any applicable fair chance law.

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

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

STATUS: Non-exempt, full-time, 40 hours per week DEPARTMENT: Credit Administration Job Summary and Scope of Responsibility: Lead and support the Commercial Credit Hub Analyst Team. Prepare reports and summaries to assist Credit Administration and support account officers with underwriting loan requests, covenant monitoring and portfolio management. Essential Duties & Responsibilities: With or without reasonable accommodation must be able to perform all essential job functions as described below. * Lead and support Commercial Credit Hub Analyst's team to ensure action requests are completed within policy and procedure. * Review Commercial Credit Hub Analyst's financial spreads and other loan monitoring tasks, providing guidance to ensure quality and accuracy. * Provide oversight on ongoing monitoring and reporting of compliance with loan covenants, reporting requirements, and other Policy and Bank-required tickler reports. * Provide guidance, assistance, training and development to Level I and II Analysts. * Maintain, and revise the department's spreading guidelines and procedures. * Act as liaison for the department, communicating with and providing conflict resolutions and resolving discrepancies to Credit Officers, Underwriting, and Relationship Management Teams. Minimum Qualifications to Perform Essential Functions: Knowledge, Skills and Abilities: * Ability to understand and interpret financial statements, business reports and legal documents. * Strong knowledge of business management and planning tools, including financial statements and ratios, budgets, inventory and accounts receivable turnover. * Strong knowledge of the different types of financial statements and accounting principles and guidelines to ensure proper analysis. * Detailed knowledge of UCA Cash Flow and the impact that different transactions would have on financial statements and repayment ability. * Knowledge of the most pertinent financial and industry factors that should be discussed based on different loan types and/or borrowers. * Demonstration of effective team leadership skills. * Excellent interpersonal and customer service skills. * Effective math skills, including ratios, percentages, interest and amortization. * Good judgment and problem-solving skills. * Strong attention to detail and organization skills. * Effective business writing skills. * Excellent verbal and written communication skills. * Computer proficiency, including internet browsers, and word-processing and spreadsheet applications. * Strong Microsoft Excel and PowerPoint skills. * Proficiency at speaking, reading and writing English. Experience and/or Education: * Three years Commercial credit analysis experience. * Four to seven years of commercial lending experience. * Completion of college-level accounting courses or equivalent work experience, preferred. * Bachelor's degree (Accounting, Finance, Economics, or similar field), preferred. Excellent benefits package for eligible employees and their families. Competitive salary BOE in the range of $32.73 - $45.83 Hourly. Equal Employment Opportunity Employer/Veterans/Disabled.

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

Job Description This is an in-person role located on the Outer Cape, MA. Those with confirmed housing within reasonable commuting distance to our beautiful oceanside office located at 221 Commercial Street in Provincetown, MA are encouraged to apply. Summary: The Credit Analyst contributes to the achievement of the Commercial Loan Department's goals as it relates to revenue and portfolio growth, asset quality and compliance. Specifically, the Credit Analyst will work closely with the commercial lenders to identify and manage the credit risk and quality of the commercial loan portfolio. Primary responsibility is to provide credit analysis of new and existing loans by researching and gathering information in order to prepare a loan approval memorandum, conducting financial analysis of business entities and individuals, and assigning and verifying the appropriate risk rating for new and existing borrowers. All duties and responsibilities will be performed while adhering to Seamen's Bank policies and procedures, and all applicable laws and regulations. Essential Duties and Responsibilities include the following: Conduct in-depth analysis of company financial statements and tax returns to determine credit strengths and weaknesses of existing and potential borrowers. The analysis includes, but is not limited to, business and global cash flow analysis, trend analysis, collateral valuation, guarantor analysis, and interest rate sensitivity analysis. Review, analyze and interpret credit reports, personal financial statements, and tax returns. Spread financial information utilizing financial statement spreading software. Prepare credit memorandum for new loan requests, renewals, reviews, modifications, and extensions. Accurately identify loan policy exceptions and mitigating factors. Confer with the commercial team to ensure relationships are appropriately risk rated. Utilize the Commercial LOS platform for loan portfolio administration including ticklers for requesting financial information for completion of annual line of credit renewals and annual borrowing relationship reviews. Work with loan officers and other staff to follow-up on missing financial information and other documents necessary for the credit analysis process. Coordinate with loan officers to annually request current financial information from borrowers with lines of credit and/or with larger borrowing relationships, including preparing request letters for the loan officers. Provide assistance in the general administration of the commercial loan portfolio. Assist with the development of in-house real estate evaluations. Understand and maintain a thorough knowledge of the bank's credit policies and compliance requirements. Maintain knowledge of State Laws and lending regulations as they pertain to commercial loans. Provide other support as needed. Qualifications and/or Educational Experience: 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. A Bachelor's degree from a 4-year college or university, which includes at least 18 credit hours of accounting/finance courses, and with 2-4 years of bank-related experience or training; or the equivalent combination of education and credit/accounting related experience. Required Skills: Exceptionally detail-oriented; strong organizational and time management skills. Ability to read, analyze, and interpret financial statements, tax returns, business periodicals, professional journals, technical procedures, laws and governmental regulations. Ability to write reports, business correspondence, and other documents as may be assigned. Effective verbal skills and the ability to present information and respond to questions from managers, customers, and the general public. Adept analytical and reasoning ability and problem-solving capabilities. Responsible and independent worker with strong interpersonal skills that interacts well with other employees, customers, and the general public. Ability to prioritize and multi-task. Ability to handle sensitive and confidential situations and documentation. Proficient computer skills, especially with Excel, and ability to navigate and utilize Commercial LOS. 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. Annual salary range: $55,750 - $65,000 Benefits: 401(k) 401(k) 4% Match 401(k) matching Dental insurance Employee assistance program Flexible spending account Health insurance Health savings account Life insurance Paid time off Profit sharing Tuition reimbursement Vision insurance Volunteer time off Powered by JazzHR M2qpa4TQyn

Job Description Pay is based on related experience, expertise, market data, and internal equity; generally, new hires can expect pay between the minimum and midpoint of the range. The Commercial Credit Analyst will primarily prepare written analyses of commercial loan requests and completion of annual reviews. The analyst will take direction primarily from the Commercial Credit Officer in working with all of the members of the commercial lending team on a daily basis. This person should have excellent communication skills, both written and oral, and be able to handle multiple tasks and special projects in commercial credit as required. This person will also be responsible for assisting in all administrative functions of the department. KEY AREAS OF RESPONSIBILITY: Assist Commercial Credit Department in preparing analyses of commercial loan requests Assist in completion of annual reviews SPECIFIC POSITION FUNCTIONS (DUTIES): Spreading financial statements, analyzing cash flow, reviewing ratios and include results in loan proposals utilizing nCino platform Analyze financial statements, provide income statement/balance sheet analysis, explain impact of balance sheet changes/trends, discuss margins/trends in income statement Determining GSB exposure and assembling relationship data on existing loans/deposits, borrower background, industry data, identify risks Assist in preparing loan proposals/ reviews in coordination with Credit Administration Manager Prepare annual loan reviews of commercial relationships as required by policy Evaluating financial stability and debt service capacity, management strength, collateral coverage, loan structure, risk assessment, economic environment and industry concerns and possible effects on the commercial relationship Run credit bureau reports on borrowers & guarantors in GSB commercial relationships Assist in determining collateral position of borrower utilizing appraisals and financial statements as part of analysis Tracking receipt of financial statements on most borrowers/guarantors Complete credit inquiries and accountant confirmation requests on commercial customers Assist in ordering commercial appraisals as needed and completing appraisal reviews Assist in preparation for external and internal audits and loan review REQUIREMENTS/SKILLS: Must have a minimum of 1 year experience in commercial loan underwriting/analysis Good understanding of accounting principles and financial statements, with strong analytical skills and a focus on accuracy and detail Must be coachable but have ability to work independently Excellent written and oral communication skills Ability to prioritize workflow, solve problems, think creatively to understand complex credit relationships Should have good time management and project management skills Excellent skills with various software, FISERV Cleartouch, WORD/EXCEL applications Greenfield Savings Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender, gender identity and/or expression, national origin, disability status, protected veteran status, age, marital status, or any other protected class.

About this role BlackRock is one of the world's preeminent asset management firms and a premier provider of global investment management, risk management and advisory services to institutional, intermediary, and individual investors around the world. BlackRock's mission is to create a better financial future for our clients. We have a responsibility to be the voice of the investor, and we represent each client fairly and equally. Constant communication with a diverse team of partners strengthens us and delivers better results for our clients. Continuous innovation helps us bring the best of BlackRock to our clients. BlackRock offers a range of solutions - from rigorous fundamental and quantitative active management approaches aimed at maximizing outperformance to highly efficient indexing strategies designed to gain broad exposure to the world's capital markets. Our clients can access our investment solutions through a variety of product structures, including individual and institutional separate accounts, mutual funds and other pooled investment vehicles, and the industry-leading iShares ETFs. The Global Fixed Income Group (FFI) at BlackRock handles more than $1.2 trillion in fixed income assets across index, active, and liability driven strategies. The platform offers fixed income investors one of the industry's broadest arrays of investment choices across index, model-based and fundamental investment styles. Within FFI, the global Securitized Assets team is composed of over 30 seasoned investment professionals investing more than $120bn in AUM across the spectrum of Commercial Mortgage-Backed Securities (CMBS), Commercial Mortgage Loans (CML's), Non-Agency Residential Mortgage-Backed Securities (RMBS), Asset Backed Securities (ABS), and Collateralized Loan Obligations (CLO's). The CMBS/CML team within Structured Products currently manages over $50bn in CMBS AUM and over $5bn in CML AUM and is seeking an individual at the Associate level with an expertise in sizing and playing a key role in the underwriting and closing of directly originated commercial mortgage loans. KEY RESPONSIBILITIES Responsible for direct origination of senior commercial mortgage loans spanning $20mm to $100mm Capable of originating a minimum of $500mm to $1bn on an annual basis Loans to be sourced from both direct borrower relationships and the CML broker community. Candidate must have a broad array of direct contacts across the CML and CRE business Loan categories to include: Fixed rate loans on stabilized collateral Floating rate loans on very “light transitional” collateral (i.e. less transitional as compared to loans in CRE CLO's) May also consider subordinate debt on a case-by-case basis Responsible for evaluating deal flow along with initial preliminary underwriting to identify the most attractive loan candidates that fit portfolio mandates, and presenting best candidates to CML team Must be capable of understanding investment criteria across a diverse set of portfolios including dedicated CML separate accounts and unconstrained mutual funds Work with underwriting and closing team to take loans through internal credit process and present to Investment Committee Maintain communications with borrowers and/or loan brokers throughout entire process Candidate must also be able to play a key role in monitoring and surveilling closed loans Remain informed of market conditions including leverage levels and pricing across competitive landscape QUALIFICATIONS Must have a minimum of 3-5+ years' experience personally originating commercial mortgage loans Ability to evaluate credit on all major commercial real estate property categories. Familiarity with other property types including data centers, senior housing, student housing, etc is a plus Knowledge of strengths and weaknesses of major CRE markets across the country Comfortable working in a highly collaborative team environment Strong communication, interpersonal and time-management skills with an emphasis on being detail oriented Ability to successfully perform under pressure and meet deadlines in a fast-paced work environment while managing multiple projects Proficiency in Argus, PowerPoint and Excel. Flexibility to learn other programs including Aladdin and fixed income-specific tools For New York, NY Only the salary range for this position is USD$116,000.00 - USD$155,000.00 . Additionally, employees are eligible for an annual discretionary bonus, and benefits including healthcare, leave benefits, and retirement benefits. BlackRock operates a pay-for-performance compensation philosophy and your total compensation may vary based on role, location, and firm, department and individual performance. Our benefits To help you stay energized, engaged and inspired, we offer a wide range of benefits including a strong retirement plan, tuition reimbursement, comprehensive healthcare, support for working parents and Flexible Time Off (FTO) so you can relax, recharge and be there for the people you care about. Our hybrid work model BlackRock's hybrid work model is designed to enable a culture of collaboration and apprenticeship that enriches the experience of our employees, while supporting flexibility for all. Employees are currently required to work at least 4 days in the office per week, with the flexibility to work from home 1 day a week. Some business groups may require more time in the office due to their roles and responsibilities. We remain focused on increasing the impactful moments that arise when we work together in person - aligned with our commitment to performance and innovation. As a new joiner, you can count on this hybrid model to accelerate your learning and onboarding experience here at BlackRock. About BlackRock At BlackRock, we are all connected by one mission: to help more and more people experience financial well-being. Our clients, and the people they serve, are saving for retirement, paying for their children's educations, buying homes and starting businesses. Their investments also help to strengthen the global economy: support businesses small and large; finance infrastructure projects that connect and power cities; and facilitate innovations that drive progress. This mission would not be possible without our smartest investment - the one we make in our employees. It's why we're dedicated to creating an environment where our colleagues feel welcomed, valued and supported with networks, benefits and development opportunities to help them thrive. For additional information on BlackRock, please visit @blackrock | Twitter: @blackrock | LinkedIn: ********************************** BlackRock is proud to be an equal opportunity workplace. We are committed to equal employment opportunity to all applicants and existing employees, and we evaluate qualified applicants without regard to race, creed, color, national origin, sex (including pregnancy and gender identity/expression), sexual orientation, age, ancestry, physical or mental disability, marital status, political affiliation, religion, citizenship status, genetic information, veteran status, or any other basis protected under applicable federal, state, or local law. View the EEOC's Know Your Rights poster and its supplement and the pay transparency statement. BlackRock is committed to full inclusion of all qualified individuals and to providing reasonable accommodations or job modifications for individuals with disabilities. If reasonable accommodation/adjustments are needed throughout the employment process, please email Disability.Assistance@blackrock.com. All requests are treated in line with our privacy policy. BlackRock will consider for employment qualified applicants with arrest or conviction records in a manner consistent with the requirements of the law, including any applicable fair chance law.

STATUS: Non-exempt, full-time, 40 hours per week DEPARTMENT: Credit Administration Job Summary and Scope of Responsibility: Lead and support the Commercial Credit Hub Analyst Team. Prepare reports and summaries to assist Credit Administration and support account officers with underwriting loan requests, covenant monitoring and portfolio management. Essential Duties & Responsibilities: With or without reasonable accommodation must be able to perform all essential job functions as described below. * Lead and support Commercial Credit Hub Analyst's team to ensure action requests are completed within policy and procedure. * Review Commercial Credit Hub Analyst's financial spreads and other loan monitoring tasks, providing guidance to ensure quality and accuracy. * Provide oversight on ongoing monitoring and reporting of compliance with loan covenants, reporting requirements, and other Policy and Bank-required tickler reports. * Provide guidance, assistance, training and development to Level I and II Analysts. * Maintain, and revise the department's spreading guidelines and procedures. * Act as liaison for the department, communicating with and providing conflict resolutions and resolving discrepancies to Credit Officers, Underwriting, and Relationship Management Teams. Minimum Qualifications to Perform Essential Functions: Knowledge, Skills and Abilities: * Ability to understand and interpret financial statements, business reports and legal documents. * Strong knowledge of business management and planning tools, including financial statements and ratios, budgets, inventory and accounts receivable turnover. * Strong knowledge of the different types of financial statements and accounting principles and guidelines to ensure proper analysis. * Detailed knowledge of UCA Cash Flow and the impact that different transactions would have on financial statements and repayment ability. * Knowledge of the most pertinent financial and industry factors that should be discussed based on different loan types and/or borrowers. * Demonstration of effective team leadership skills. * Excellent interpersonal and customer service skills. * Effective math skills, including ratios, percentages, interest and amortization. * Good judgment and problem-solving skills. * Strong attention to detail and organization skills. * Effective business writing skills. * Excellent verbal and written communication skills. * Computer proficiency, including internet browsers, and word-processing and spreadsheet applications. * Strong Microsoft Excel and PowerPoint skills. * Proficiency at speaking, reading and writing English. Experience and/or Education: * Three years Commercial credit analysis experience. * Four to seven years of commercial lending experience. * Completion of college-level accounting courses or equivalent work experience, preferred. * Bachelor's degree (Accounting, Finance, Economics, or similar field), preferred. Excellent benefits package for eligible employees and their families. Competitive salary BOE in the range of $32.73 - $45.83 Hourly. Equal Employment Opportunity Employer/Veterans/Disabled.

Provident Bank is seeking experienced Credit Analyst to join our growing team! Come learn why we are the Premier Super Community Bank! How would you like to join one of the most highly regarded financial institutions in New Jersey with deep roots in the community? Provident is a successful and highly regarded multi-billion-dollar bank that continues to grow with branches in New Jersey, Eastern Pennsylvania and New York. Our longevity is a testament to our commitment to placing our employees, customers, and the communities we serve at the center of all we do. At Provident Bank, we are committed to enhancing our customer and employees' experience. POSITION SUMMARY: As a Credit Analyst you will be responsible for detailed research and credit analysis of complex credit requests in Commercial Credit Underwriting C&I Regional Department. The incumbent is expected to have comprehensive knowledge of credit & risk analysis, credit rules, structuring of credits, regulations and documentation with the ability to exercise independent judgment within established Underwriting Guidelines and Credit Policy. At this level, the incumbent is expected to increasingly work with and assist the Commercial Loan Officers on customer calls and structuring deals. The incumbent will show leadership in training less experienced staff members and handle more complex and/or challenging assignments (e.g., larger deals or complicated requests with the highest level of relationship exposure under Executive Leadership and Credit Committee Approval Authority - Level 8 & 9). The incumbent will have a key role of consequence to the team outside of their credit related work. For instance, 3rd party vendor management responsibilities, reporting, and special projects. KEY RESPONSIBILITIES: Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short-term extension of existing loans. Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short-term extension of existing loans. Accompany Commercial Loan Officers on customer and prospect calls. Participate in discussions with management regarding creditworthiness of proposed loan requests. Conduct third party research, inclusive of industry reports, personal credit reports, real estate analysis with market assessments, etc. Prepares reports and handles special assignments Assists in 3rd party vendor management responsibilities Subject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts. MINIMUM QUALIFICATIONS: Bachelor's degree in finance, Accounting or Economics. MBA preferred. Formal credit training or higher banking education (i.e. Graduate School of Banking, Stonier, etc). Seeking candidates with 3-10 years of experience in Commercial Banking. Thorough knowledge of underwriting, credit analysis, commercial loan structure, and regulatory guidance. Strong analytical skills with ability to identify strengths and mitigate risks. Strong knowledge of commercial real estate lending, inclusive of investment, owner-occupied and some construction. Proficient in Commercial & Industrial lending including debt service coverage, cash flow, A/R and A/P, WIP, Borrowing Base Certificates, and construction budgets. Strong computer skills, inclusive of experience with loan origination software and MS Office applications (specifically MS Word and Excel). Strong verbal and written communication. Ability to prioritize multiple projects and complete them on time. Ability to conduct meetings, meet with customers, effectively present information and respond to questions from peers, auditors and various levels of management. Strong comprehension of accounting practices, inclusive of balance sheets, income statements, equity reconciliation, and cash flows. Under some supervision, ability to correspond, manage, and in certain cases negotiate with 3rd party vendors. PREFERRED QUALIFICATIONS: MBA Certification in Credit Risk or Credit Management preferred. WORKING CONDITIONS Work is mainly performed in a normal office environment. Noise levels usually are moderate. May also involve travel to customers and property locations. Prolonged sitting Lifting from 5 to 10 lbs. (printer paper, storage boxes) Occasional bending or overhead lifting (storing files or boxes) The hazards are mainly those present in a normal office setting. This may not be all-inclusive. Employees are expected to perform other duties as assigned and directed by management. Job descriptions and duties may be modified when deemed appropriate by management. Provident Bank recognizes and supports the importance of creating a socially and culturally diverse employee base. We understand, value, and appreciate the unique perspectives that a diverse workforce can contribute to our organization. We put the employee and the customer at the center of strategy because culture is a critical differentiator for why people choose to work here. We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law. Pay Details: $51,200 - $105,100 annually Please note, the base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, education, geographic location, internal equity, and other applicable business and organizational needs. This role is incentive eligible based upon company, business, and/or individual goal achievement and performance. Team members accrue paid time-off (PTO), receive Holiday (PTO) and are eligible to participate in the bank's Health and Wellness benefits including Medical, Dental and Vision Plans, Flexible and Health Savings Accounts, and a 401(k) Retirement Plan. In addition, the company provides Disability Insurance, an Employee Assistance Program, and Basic Life Insurance. Company sponsored Tuition Disbursement and Loan Repayment programs are also available. Voluntary benefits include Supplemental Life Insurance, Accident, Critical Illness, Hospital Indemnity and Legal plans.

STATUS: Non-exempt, full-time, 40 hours per week DEPARTMENT: Credit Administration LOCATION: Flexible location within bank's footprint Job Summary and Scope of Responsibility: Lead and support the Commercial Credit Hub Analyst Team. Prepare reports and summaries to assist Credit Administration and support account officers with underwriting loan requests, covenant monitoring and portfolio management. Essential Duties & Responsibilities: With or without reasonable accommodation must be able to perform all essential job functions as described below. Lead and support Commercial Credit Hub Analyst's team to ensure action requests are completed within policy and procedure. Review Commercial Credit Hub Analyst's financial spreads and other loan monitoring tasks, providing guidance to ensure quality and accuracy. Provide oversight on ongoing monitoring and reporting of compliance with loan covenants, reporting requirements, and other Policy and Bank-required tickler reports. Provide guidance, assistance, training and development to Level I and II Analysts. Maintain, and revise the department's spreading guidelines and procedures. Act as liaison for the department, communicating with and providing conflict resolutions and resolving discrepancies to Credit Officers, Underwriting, and Relationship Management Teams. Minimum Qualifications to Perform Essential Functions: Knowledge, Skills and Abilities: Ability to understand and interpret financial statements, business reports and legal documents. Strong knowledge of business management and planning tools, including financial statements and ratios, budgets, inventory and accounts receivable turnover. Strong knowledge of the different types of financial statements and accounting principles and guidelines to ensure proper analysis. Detailed knowledge of UCA Cash Flow and the impact that different transactions would have on financial statements and repayment ability. Knowledge of the most pertinent financial and industry factors that should be discussed based on different loan types and/or borrowers. Demonstration of effective team leadership skills. Excellent interpersonal and customer service skills. Effective math skills, including ratios, percentages, interest and amortization. Good judgment and problem-solving skills. Strong attention to detail and organization skills. Effective business writing skills. Excellent verbal and written communication skills. Computer proficiency, including internet browsers, and word-processing and spreadsheet applications. Strong Microsoft Excel and PowerPoint skills. Proficiency at speaking, reading and writing English. Experience and/or Education: Three years Commercial credit analysis experience. Four to seven years of commercial lending experience. Completion of college-level accounting courses or equivalent work experience, preferred. Bachelor's degree (Accounting, Finance, Economics, or similar field), preferred. Excellent benefits package for eligible employees and their families. Competitive salary BOE in the range of $32.73 - $45.83 Hourly. Equal Employment Opportunity Employer/Veterans/Disabled.

This role is located in New York City and will require a hybrid work schedule of at least 2 days in office per week. About the Bank: Sumitomo Mitsui Trust Bank, Limited was established through the merger of The Sumitomo Trust and Banking Co., Ltd with Chuo Mitsui Trust and Banking, Ltd. on April 1, 2012. We are one of the largest asset managers in Asia and number one among Japanese financial institutions by AUM, with approximately $850 Billion USD in AUM. The Bank provides an assortment of financial solutions and manages a broad spectrum of financial products across its global branches. This role is open to candidates with AVP level experience. Department Overview: The Americas Division (“AD”) was established in the Sumitomo Mitsui Trust Bank, Limited, New York Branch) (“SMTBNY”) to perform corporate functions and supervise U.S. entities. Established under the AD are the “Global Banking Unit (“GBU”), Americas Division” and “Global Markets Unit (“GMU”), Americas Division” which performs business functions. FRM, as the second line of defense in the Branch, provides independent measurement, monitoring and evaluation services related to Financial Risks (Credit, Market and Liquidity), in addition to the efforts by process/business owners (Global Banking Unit and Global Market Unit) as the first line of defense. Financial Risk Management (“FRM”) establishes appropriate policies, procedures, and the risk management framework to evaluate the financial risks inherent in the Branch operations. FRM also conducts special scenarios analysis to quantitatively and qualitatively assess financial risk faced by the Branch and provides objective assessment of the Financial Risk to the Branch Management and the Head Office. FRM is directly involved in all financial risk related projects, matters and issues. Position Overview Fully knowledgeable on the day-to-day activities, resolves complex issues where expertise is required to interpret policies, guidelines, and practice. May be considered a subject matter expert for one or more functions or processes. Focus on operational execution and occasional broader planning within areas of expertise. May have direct report subordinate staff Your Duties and Responsibilities: Assist in the enhancement and effective oversight of the Branch's Risk Management Framework and related risk-control policies and procedures. Perform independent loan reviews to evaluate the creditworthiness of the obligor and/ or credit facility and to assign a risk rating to provide an independent periodic and objective assessment of the underlying credit by analyzing financial statements and other external data obtained from external sources. Assist in the coordination, preparation, and presentation of the monthly and quarterly credit risk monitoring results at the Credit Portfolio Risk Management Meeting. Assist in the preparation of periodic risk monitoring materials for the Head Office Risk Management Department. Maintain an advanced level of understanding of credit risk policies/requirements, regulatory expectations and contribute to improving effectiveness and efficiency of the credit risk analysis processes/methodologies. Attend GBU's Focus List Meetings Perform other duties and responsibilities as assigned by management. Perform ad hoc risk analyses as needed by managemen Your Knowledge, Skills, and Abilities: Masters degree or its equivalent in statistics or economics or in quantitative discipline. CFA/FRM candidate or charter holder desired. Proficient in Excel, Word, PowerPoint, Access. Modeling understanding and capabilities. Strong oral and written communication skills. Strong quantitative and computer skills. Your Qualifications MBA degree in relevant field or its equivalent with at least 5 years of related experience. Advanced in Microsoft 365 (Excel, PowerPoint, Word, Outlook, and Access). Excellent written and oral communication skills. Demonstrates the ability to effectively collaborate, multitask, problem solve, recommend actions, manage time, and manage employees. Accountable for multiple large, complex processes and programs that impact the department and the Americas Division. Develops staff for current and long-term department needs by providing feedback, guidance, and mentorship. Strong understanding of the Americas Division business lines, products, and services and a strong understanding of the department discipline, policies, and procedures. Applies advanced knowledge to produce “value-added” results. Achieves cost savings through the prudent use of resources. Prevents potential liabilities by ensuring compliance in area of responsibility by training staff to adhere to procedures and regulations. Why you should join SuMi Trust:SuMi Trust embraces flexible ways of working when the business and role permits. We provide employees with a hybrid working model, allowing for in-office work and work from home. Our diverse and inclusive environment along with our global presence enables us to collaborate and communicate to meet our business needs. We believe that efficient teams need truth, loyalty, and a strong sense of purpose to balance risk and their targets. We make sustainable business decisions to improve our society and the world. We believe that each person brings a unique value that drives the business though their creativity and passion. The Employee Benefits package includes: Paid Time Off, medical, HSA, vision, dental, FSA, 401(k), profit sharing, legal plan, cancer indemnity plan, disability insurance, life insurance, employee assistance program, commuter benefits, business travel accident, paid volunteer day, paid memberships, paid seminars, and tuition assistance. We offer many socialization opportunities for wellness, financial wellbeing, runs/walks, team building, happy hours, and activities to support the Sustainable Developmental Goals. Check out our LinkedIn for our employee experience: *************************************** We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. SuMi Trust provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law. If you need a reasonable accommodation during the application.

204 - Credit Quality Central - Credit Analyst II Regional Credit Officer (East or West) Supervises: None Basic Qualifications Education/Training: A Bachelor of Science or Bachelor of Arts degree in Accounting, Finance or related field of study is preferred. In lieu of a bachelor's degree consideration will be given to individuals with a High School Diploma and a minimum of two to three years of directly related banking experience is required along with specialized financial analysis training. Obtain and maintain appropriate Bank Product Knowledge Certification. Skill(s): Advanced reading, writing, grammar, and mathematics skills; proficient interpersonal relations and effective communicative skills; above average knowledge of current lending, appraisal, and loan review regulations and banking regulations, procedures, and operations; advanced ability to analyze and interpret financial statements; advanced risk rating skills; loan structuring, covenanting and conditioning skills; knowledge of concentration risk and pricing philosophy; strong PC skills, including spreadsheet software and loan management software; advanced time management skills; technical skills sufficient to assist in training of Credit Analyst I(s); visual and auditory skills; valid driver's license. Experience: A minimum of two (2) to three (3) years of directly related banking experience required. General Responsibilities The Credit Analyst II is responsible for ensuring an effective and efficient commercial credit underwriting function by preparing financial statement spreads; providing detailed analysis & risk rating recommendations for both proposed commercial loan requests and the Bank's top aggregate commercial relationships; analyzing collateral valuations; and assessing compliance to loan policy; and providing alternative solutions through structure, conditions and covenants to mitigate risk. Essential Duties * Spreads financial statements and tax returns for commercial clients. * Provides consistent, quality narrative financial analysis including but not limited to discussion of financial condition, cash flow & balance sheet trends, ratio analysis, loan pricing review, peer & industry comparisons, and collateral assessment. * Works in conjunction with commercial lending staff to prepare loan submission packages for new money requests, modifications, and collateral substitutions/releases to facilitate sound credit decisions. * Underwrites retail branch commercial proposals while addressing repayment capacity, secondary repayment sources, credit report factors, risk assessment, covenants, conditions and collateral analysis within loan presentation. * Provides guidance and prompt follow-up to retail branch staff to facilitate timely loan decisions. * Assesses loan proposals for Bank and Regulatory policy compliance. Assures all exceptions are appropriately identified and addressed within loan presentations. * Provides alternative recommendations to loan structure, covenants and conditions to mitigate credit risk. * Approves loans and ACHs within designated lending authority. * Recommends appropriate risk ratings for new requests, ACHs, and existing loan relationship to support the ongoing risk management of the Bank. * Completes annual relationship reviews for the Bank's top aggregate commercial loan relationships, large revolving commitments and ACHs. Analyzes financial trends, payment history, compliance to loan covenants, and market / economic conditions to assess ongoing credit risk and evaluates / provides recommendations for risk ratings and renewal of open commitments and ACHs. * Provides financial updates to Criticized Asset Reports. Reviews lending staff updates within reports to recommend any needed risk rating adjustments. * Orders appraisals, completes appraisal reviews within designated authority, and conducts collateral evaluations to assure loan to value meets both policy and regulatory requirements. * Clear real estate secured loans to close by reviewing environmental reports, property condition reports, flood certifications and appraisal values to assure compliance with loan approvals and policies. * Provides back-up for the set-up of commercial loan requests presented by retail branch staff into commercial underwriting software system. * Provides technical support and assists in training of Credit Analyst I and Administrative Analyst. * Participates in the administration of the Bank's commercial underwriting software and provides recommends for process improvements, as designated by Credit Quality management team. * Works on special projects as assigned by Credit Quality Management team. * Maintains a good working relationship with bank employees within Credit Quality and other departments. Demonstrates strong interpersonal skills with the ability to work independently, as well as motivated to work as a team player to contribute to the success of the department and in turn, the organization. * Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the work place. * Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.; ensures that the department and all personnel adhere to the same. * Performs other related duties as assigned. Ancillary Duties * Actively represents the Bank in public relations and related community activities. * Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances. Job Location Operations Center and various outside locations Equipment/Machines * Telephone * Automobile * PC/Computer keyboard * Printer * Fax machine * Copy machine * Calculator Full Time Employment Benefits: Fulltime hourly-paid employees will be provided 12-days of Paid Time Off (PTO), that is accrued 1-day for each month worked. After the completion of 90-days of employment accrued PTO can be used for any purpose including being paid for absences or vacation time. At the end of the first year of employment, any unused PTO will be converted to the employee's sick time accrual. Sick time will begin accruing effective on the employees first year anniversary up to 120 days. At that point, PTO is no longer available; and any paid absence will be eligible under the sick, vacation, personal and family sick pay policy. After one year of service the employee is eligible for their annual vacation benefit. Salaried-paid employees are not eligible for PTO and accrue paid sick days at 1-day per month; and any vacation time that has been approved for the 1st year of employment. 12 paid holidays, 2 Personal days, 2 Family Sick days, 2 Volunteer Days after completion of 90 days of employment. Eligible for Health Care, Dental and Vision (single and family) the first of the month following 30 days of full-time employment. 401(k) eligible on the first day of the month following 30 days of employment with employer match available. Company Wellness Program. Company Stock program available after 1 year of employment. Annual Performance Reviews completed, and salary increase amount given based on individual performance. This position is salary and not eligible for overtime. Salary Range Minimum: $46,000 Maximum: $101,200

204 - Credit Quality East - Credit Analyst III Job Title Credit Analyst III Job Reporting Relationships Supervised by: Regional Credit Officer-Central Team or Regional Credit Officer (East or West) Supervises: None Basic Qualifications Education/Training: A Bachelor of Science or Bachelor of Arts degree in Accounting, Finance or related field of study is preferred. In lieu of a bachelor's degree consideration will be given to individuals with a High School Diploma and a minimum of seven years of directly related commercial lending or commercial underwriting experience. Specialized education, training and certification in financial analysis, credit risk, appraisal review, and lending normally required; obtain and maintain appropriate Bank Product Knowledge Certification. Skill(s): Advanced reading, writing, grammar, and mathematics skills; advanced interpersonal relations and effective communicative skills; advanced knowledge of current lending, appraisal, and loan review regulations and banking regulations, procedures, and operations; advanced ability to analyze and interpret complex financial statements; advanced risk rating skills; advanced loan structuring, covenanting and conditioning skills; knowledge of concentration risk and pricing philosophy; strong PC skills, including spreadsheet software and loan management software; advanced time management skills; technical skills sufficient to provide guidance and training to Credit Analyst I & II(s), and Credit Team Administrative Assistant; visual and auditory skills; valid driver's license. Experience: A minimum of seven (7) years of directly related banking experience required with supervisory management experience preferred. General Responsibilities The Credit Analyst III is responsible for ensuring an effective and efficient commercial credit underwriting function providing detailed financial, market and industry analysis; assessing credit risk within both proposed commercial loan requests and existing commercial loan portfolio; providing analysis and reviewing the Bank's top aggregate commercial relationships; providing alternative solutions through structure, conditions and covenants to mitigate risk; ensuring the department's compliance with operating policies and procedures and outside regulatory requirements; effectively communicating with both internal & external bank customers; providing periodic reports; and providing on-going training & support to retail branch associates. Essential Duties 1. Spreads financial statements and tax returns for commercial clients. 2. Provides consistent, quality narrative financial analysis including but not limited to discussion of financial condition, cash flow & balance sheet trends, ratio analysis, loan pricing review, peer & industry comparisons, and collateral assessment. 3. Utilizes analysis to recommend appropriate risk ratings for new requests, ACHs, and existing loan relationship to support the ongoing risk management of the Bank. 4. Completes annual relationship reviews for the Bank's top aggregate commercial loan relationships, large revolving commitments and ACHs. Analyzes financial trends, payment history, compliance to loan covenants, and market / economic conditions to assess ongoing credit risk and evaluates / provides recommendations for risk ratings and renewal of open commitments and ACHs. 5. Provides guidance and prompt follow-up to retail branch staff to facilitate timely loan decisions. 6. Provides financial updates to Criticized Asset Reports and ACARs. Reviews lending staff updates within reports to recommend any needed risk rating adjustments. 7. Orders appraisals, completes appraisal reviews within designated authority, and conducts collateral evaluations to assure loan to value meets both policy and regulatory requirements. 8. Works in conjunction with commercial lending staff to prepare loan presentations for new money requests, modifications, and collateral substitutions/releases to facilitate sound credit decisions. 9. Assesses loan proposals for Bank and Regulatory policy compliance. Assures all exceptions are appropriately identified and addressed within loan presentations. 10. Provides back-up for the set-up of commercial loan requests presented by retail branch staff into commercial underwriting software system. 11. Underwrites retail branch commercial proposals while addressing repayment capacity, secondary repayment sources, credit report factors, risk assessment, covenants, conditions and collateral analysis within loan presentation. 12. Provides guidance and prompt follow-up to retail branch staff to facilitate timely loan decisions. 13. Assesses loan proposals for Bank and Regulatory policy compliance. Assures all exceptions are appropriately identified and addressed within loan presentations. 14. Provides alternative recommendations to loan structure, covenants and conditions to mitigate credit risk. 15. Approves loans and ACHs within designated lending authority. 16. Clear real estate secured loans to close by reviewing environmental reports, property condition reports, flood certifications and appraisal values to assure compliance with loan approvals and policies. 17. Provides technical support and assists in training of Credit Analyst II and Credit Analyst I. 18. Works on special projects as assigned by Regional Credit Officer or the Director of Credit Administration & Lending Risk. 19. Maintains a good working relationship with bank employees within Credit Quality and other departments. Demonstrates strong interpersonal skills with the ability to work independently, as well as motivated to work as a team player to contribute to the success of the department and in turn, the organization. 20. Performs other related duties as assigned. 21. Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the workplace. 22. Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.; ensures that the department and all personnel adhere to the same. Ancillary Duties 1. Actively represents the Bank in public relations and related community activities. 2. Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances. Job Location Operations Center and various outside locations Equipment/Machines * Telephone 2. Automobile 3. PC/Computer keyboard 4. Printer 5. Fax machine 6. Copy machine 7. Calculator Full Time Employment Benefits: Fulltime hourly-paid employees will be provided 12-days of Paid Time Off (PTO), that is accrued 1-day for each month worked. After the completion of 90-days of employment accrued PTO can be used for any purpose including being paid for absences or vacation time. At the end of the first year of employment, any unused PTO will be converted to the employee's sick time accrual. Sick time will begin accruing effective on the employees first year anniversary up to 120 days. At that point, PTO is no longer available; and any paid absence will be eligible under the sick, vacation, personal and family sick pay policy. After one year of service the employee is eligible for their annual vacation benefit. Salaried-paid employees are not eligible for PTO and accrue paid sick days at 1-day per month; and any vacation time that has been approved for the 1st year of employment. 12 paid holidays, 2 Personal days, 2 Family Sick days, 2 Volunteer Days after completion of 90 days of employment. Eligible for Health Care, Dental and Vision (single and family) the first of the month following 30 days of full-time employment. 401(k) eligible on the first day of the month following 30 days of employment with employer match available. Company Wellness Program. Company Stock program available after 1 year of employment. Annual Performance Reviews completed, and salary increase amount given based on individual performance. This position is salary and not eligible for overtime. Salary Range Minimum: $46,000 Maximum: $101,200

Ready to Put Your Financial Skills to Work? Join MountainOne Bank as a Commercial Credit Analyst! At MountainOne Bank, we believe in smart lending, strong relationships, and local impact. We're looking for a Commercial Credit Analyst who's ready to support our lending team with sharp insights, sound judgement, and a passion for helping businesses grow. If you're detail-oriented, driven, and excited to dive into financials, this is your opportunity to build a meaningful career with a bank that values your contribution. What You'll Do: Analyze financial statements and credit reports to assess borrower risk Support the commercial lenders with underwriting, portfolio monitoring, and deal structuring Prepare clear, concise credit memos and risk assessments Help maintain a high-quality loan portfolio through ongoing review and analysis Gain hands-on experience while working closely with seasoned professionals Why MountainOne? A trusted, community-focused bank with deep local roots Career growth and development opportunities A collaborative team culture where your work makes a real impact Ongoing training and mentorship from experienced credit professionals Your future in commercial banking starts here! Join MountainOne Bank and help power local success - one loan at a time! Salary Range: $55,000 - $74,000 per year, based on experience

The Fortis Commercial Credit Analyst will participate in rotational training across specific commercial banking verticals, including Commercial and Industrial (C&I), Commercial Real Estate (CRE), Small Business Administration (SBA) Lending, and Capital Finance. This role requires the Commercial Credit Analyst to develop an in-depth understanding in the commercial banking verticals, which includes gaining expertise in the industry terminology, underwriting, structuring and managing a portfolio. This individual will collaborate closely with the Portfolio Managers and Managing Directors, assisting in underwriting new loan opportunities, and loan servicing actions of existing clients. The ideal candidate will be able to undertake a variety of tasks and work diligently under pressure. This individual will be comfortable working with a high degree of attention to detail and discretion as well as incorporating new and effective ways to achieve better results. Responsibilities Successfully complete specific courses within the credit analysis training program within first three months. Conduct financial analysis and spreading of borrower and guarantors, including business and personal financial statements, tax returns and other documents. Complete global cash flow computations, calculate performance ratios, and analyze multi-year trends. Develop a thorough understanding of client cash flows and report on same, including identifying recurring and non-recurring sources. Research industry trends and data to identify questions and risks for each credit. Perform analysis of loan collateral: accounts receivable, equipment, inventory, real estate and/or marketable securities. Monitor existing credits for compliance with financial and reporting covenants. Track loan policy exceptions and loan file document exceptions. Author high-quality credit narratives within the pre-flight, annual loan review and / or credit memos, specifically: Providing background of the borrower and detailing the requested transaction, including loan terms and covenants; Describing strengths as well as key risks and relevant mitigation; Identifying Loan Policy and Product Guide exceptions; Summarizing the financial performance of businesses and individuals; and Assessing the assets secured as collateral relative the credit exposure. Demonstrate understanding of the loan process from start to finish, including preflight memos, underwriting, loan documentation, loan servicing, etc. Other duties as assigned. Qualifications Bachelor's Degree with an emphasis in Finance and/or Accounting required. 1-2 years of relevant experience within banking or financial services preferred. Familiarity with nCino, PrecisionLender, and Salesforce Reporting is preferred. Embodies the Fortis Bank culture principles and competencies and consistently demonstrating a positive, ambitious, and solution-oriented attitude with clients and team members. Proficient and experienced in Microsoft Office suite products and technology, including but not limited to: Outlook, Microsoft Teams, Word, Excel, and PowerPoint. Strong ability to adapt to systems and technology, including but not limited to: client relationship management tools, conference room management and teleconferencing systems and tools, banking core systems, and other common office management products. Communicates effectively and professionally, both verbally and via e-mail and other chat tools. Exhibits strong attention to detail, with analytical and reasoning skills to identify the causes behind financial trends. Excellent organizational skills, regularly demonstrating the ability to multitask, prioritize, and manage time efficiently. Demonstrates strong interpersonal skills, with the ability to build meaningful professional relationships with senior management and team members. ADDITIONAL INFORMATION Reporting Structure : Reports to an SVP, Credit Administration Office Requirements : This position will follow a hybrid work schedule and is required to work in the office at least 4 - 5 days per week. ABOUT FORTIS Fortis Bancorp is the $1.3 billion bank holding company for Fortis Bank. Fortis Bank is a full-service bank that provides loans, deposits, and cash management services to businesses and their principals, with branch locations in Colorado and Utah. More information about Fortis Bank is available at ********************* At Fortis Bank, we take great pride in being a commercial banking partner for our clients. Our people enjoy being empowered with the ability to make a tangible impact in a progressive and less bureaucratic work culture that can often be a struggle for larger institutions. We strongly believe in hiring people greater than ourselves and we recognize, reward, and develop those individuals who make an outsized impact to the business. Each of our hand-selected and exceptionally talented teammates contribute to the heart of our company culture that combines banking expertise and personalized services to create an unparalleled level of client experience. Fortis is Great Place to Work-Certified™ Join a team where your expertise and passion can make a meaningful impact. Learn more today at *****************************

This role is located in New York City and will require a hybrid work schedule of at least 2 days in office per week. This role is for Assistant Vice President level candidates. About the Bank Sumitomo Mitsui Trust Bank, Limited was established through the merger of The Sumitomo Trust and Banking Co., Ltd with Chuo Mitsui Trust and Banking, Ltd. on April 1, 2012. We are one of the largest asset managers in Asia and number one among Japanese financial institutions by AUM, with approximately $850 Billion USD in AUM. The Bank provides an assortment of financial solutions and manages a broad spectrum of financial products across its global branches.Department Overview The Americas Division (“AD”) was established in the Sumitomo Mitsui Trust Bank, Limited, New York Branch) (“SMTBNY”) to perform corporate functions and supervise U.S. entities. Established under the AD are the “Global Banking Unit (“GBU”), Americas Division” and “Global Markets Unit (“GMU”), Americas Division” which performs business functions. The Specialty Finance Department (“SFD”) is responsible for originating, booking and monitoring credit facilities for both bilateral and syndicated loan transactions. SFD focuses on building and monitoring portfolio assets in 3 main product areas: Project Finance, Trade and Commodity Finance, Aviation, and Real Estate. Your Role Overview: The Associate will join the Aviation Finance Team which arranges financing transactions for airlines and lessors based in the Americas. The Associate will assist with all aspects of building and managing the aviation investment portfolio, with a particular focus on underwriting new investments and performing due diligence. In addition, the Associate will be responsible for monitoring, analyzing, and reporting on existing investments. Prior aviation experience is preferred, ideally covering airlines or lessors from a credit perspective. Your Duties and Responsibilities Reviews potential assets in aviation and prepares credit applications and makes investment recommendations. Ensures compliance with applicable investment guidelines and directives from Head Office and Branch Management. Monitors assigned assets/products/industries to maintain credit quality through asset/product/industry appropriate measures, i.e., financial analysis and trends, cross-sectional analysis, cashflow analysis and market value/liquidity. Prepares all applications and reports and makes recommendations on all amendments, refinancings and other ongoing activities. Responsible for all Head Office and Branch monitoring and reporting requirements, including rating review, business review of documentation, regulatory review, booking and financial and portfolio review requirements, with support from Operations Analyst as designated. May conduct business development activities. May conduct or support deal structuring activities. Performs other duties and responsibilities as assigned by management. Your Qualifications: Bachelor's degree in Finance or Economics or equivalent with 2+ years related experience. Good knowledge of finance and basic accounting. Good knowledge of commonly used research resources, including Bloomberg, EDGAR, and rating agencies. Basic knowledge of corporate finance transaction. Basic knowledge of loan markets. Proficient in Microsoft 365 (Excel, PowerPoint, Word, Outlook, and Access) and some modeling capabilities. Excellent oral and written communication skills. Why you should join SuMi Trust:SuMi Trust embraces flexible ways of working when the business and role permits. We provide employees with a hybrid working model, allowing for in-office work and work from home. Our diverse and inclusive environment along with our global presence enables us to collaborate and communicate to meet our business needs. We believe that efficient teams need truth, loyalty, and a strong sense of purpose to balance risk and their targets. We make sustainable business decisions to improve our society and the world. We believe that each person brings a unique value that drives the business though their creativity and passion. The Employee Benefits package includes: Paid Time Off, medical, HSA, vision, dental, FSA, 401(k), profit sharing, legal plan, cancer indemnity plan, disability insurance, life insurance, employee assistance program, commuter benefits, business travel accident, paid volunteer day, paid memberships, paid seminars, and tuition assistance. We offer many socialization opportunities for wellness, financial wellbeing, runs/walks, team building, happy hours, and activities to support the Sustainable Developmental Goals. Check out our LinkedIn for our employee experience: *************************************** We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. SuMi Trust provides reasonable accommodations for employees and applicants with disabilities consistent with applicable law. If you need a reasonable accommodation during the application

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

Join the AgCredit Team: Commercial Credit Analyst About AgCredit Our mission at AgCredit is to create lifelong opportunities for our customers and employees by striving to be the premier cooperative lender and employer in our rural communities. Our core values focus on relationships, respect, integrity, service, accountability, teamwork and courage for our customers' and employees' success. As a cooperative agricultural lending institution, our commitment is to our customer-owners. Headquartered in Fostoria, OH, AgCredit serves over 7,000 member-owners in 15 lending offices throughout 18 counties across northwest and central Ohio. As part of the nationwide Farm Credit System, we are proud to return our profits back to our members through our patronage program. We hope you'll consider joining our experienced lending team as we continue to serve our customers, employees and communities. Commercial Credit Analyst - Within AgCredit Territory The Commercial Credit Analyst will analyze all forms of credit information and independently prepare a complete documented credit package for all sizes and types of credit facilities, with primary concentration on large and complex Agribusiness and Capital Markets credit facilities. Provide credit analysis and loan structure expertise support primarily to the Agribusiness lending team, develop relationships with a number of complex accounts, provide occasional functional guidance to less experienced analysts, deliver prompt and courteous customer service to internal and external customers; and various other functions relating to the daily operations of the Agribusiness and Credit Analysis Branches. Additionally, the role supports marketing efforts, promotes AgCredit's core values, and collaborates across teams to maintain secure and efficient loan servicing processes. What You'll Do: Based on the size, scope, and risk in the overall credit facility, complete the following for the Agribusiness Branch's originated and purchased loans and bonds: Analyze financial information and accurately completes historical trends, pro forma projections, debt repayment schedules, consolidations, stress testing, Probability of Default and Loss Given Default models, identification of sources and uses, loan profitability models, and any other necessary schedules, worksheets, and/or tools available to adequately support the overall credit recommendation. Prepare a loan narrative or servicing request that provides an adequate summary, as applicable, of the (i) loan request, (ii) borrower and guarantors, (iii) eligibility, (iv) financial analysis, addressing the applicable five C's of credit and highlighting credit strengths and weaknesses, (v) loan profitability analysis, and (vi) industry analysis, to support the overall credit recommendation. Present loan action requests and credit recommendations to Loan Committee on an as-needed basis in conjunction with the Agribusiness Account Officer or independently. Obtain proper delegated authority approval of credit recommendations. Ensure all documentation supporting the credit recommendation is provided to the Agribusiness Loan Coordinator in a timely manner to support execution of the loan action including, but not limited to, communication with potential loan investors, application for guarantee, and loan closing. Self-review of work to ensure Probability of Default and Loss Given Default ratings are accurate and loan structure and covenants are appropriate given the Size, Scope and Risk. Advise Agribusiness Account Officers on appropriate loan structures and recommend appropriate controls. Provide expertise to Agribusiness Account Officers to support preparation of preliminary and final term sheets. Team with Agribusiness Account Officers to meet with Agribusiness customers on an as-needed basis and provide credit analysis and loan structuring expertise. Develop relationships with customers as a point of contact and resource secondary to the servicing Agribusiness Account Officer. Study and maintain ongoing knowledge of internal and external credit practices, underwriting guidelines, loan products, and compliance standards to ensure sound and eligible credit recommendations are being completed. Utilize customer-provided financial information and reporting to develop and analyze financial trends as part of the monthly, quarterly or annual ongoing servicing of Agribusiness accounts. Collaborate with Agribusiness support staff to update loan system data related to customer financial information. Monitor Agribusiness accounts for compliance with loan covenants and other conditions of loan approval. Verify assets and debts as needed by using technology and resources available. Collaborate with the Agribusiness Loan Servicing Specialist to ensure that adequate and appropriate Loan Servicing Plans are in place and are properly updated for originated and purchased accounts. Update CRM records and completes Loan Servicing Plan tasks as appropriate. Assist Agribusiness team members in preparation of loan and bond guarantee applications. Prepare risk reports for management and the Board of Directors as needed. Study and maintain a high level of knowledge of one or more specialized industries. Complete other projects and/or research as assigned. Proactively seeks opportunities to mentor and educate Ag Credit staff. May provide training and guidance to less experienced retail analysts. Support and participate in process improvement efforts to provide exceptional customer service and loan servicing. Complete Least Cost Analyses as needed. What You'll Need: Bachelor's degree in Finance, Accounting, Economics or Business or equivalent experience. Six or more years of agricultural or commercial underwriting or related experience. Must possess sound credit judgement and differential credit skills to complete accurate and timely credit packages. Overall knowledge and desire to continually study and be fluent in AgCredit, AgFirst, and FCA credit practices, policies, and procedures, GAAP, and other general financial terms and trends in the lending industry and particular to agribusiness and commercial lending. Overall knowledge and desire to continually improve computer skills with experience with Microsoft Excel, Microsoft Word, CRM, Adobe, SharePoint and financial trending software preferred. Knowledge of appraisals, on-line verification systems, business and individual tax return analysis, standard loan facility structuring, and agricultural commodity projections. Self-starter, organized, detail-oriented, dynamic, innovative, flexible to a changing work environment, demonstrate willingness to be collaborative, possess strong written and verbal communication skills, quality and solution-focused, assertive, and decisive to arrive at sound business decisions. Knowledge of grammar, spelling, punctuation, and formats to recognize and correct correspondence and reports. Farm Credit experience preferred. May require work beyond normally scheduled hours with little or no advance notice to meet Ag Credit's overall mission, goals and objectives. Travel as deemed necessary. Benefits Offered Competitive compensation Top-rated benefits program 401k Plan with company match Tuition reimbursement, sponsored training and career development opportunities Generous paid time off with 11 holidays observed Employee Assistance Program Community Service PTO “Dress for your day” dress code Schedule Monday to Friday, 8:00am-4:30pm Why Work at AgCredit? We're not just growing-we're growing with purpose and stability. We encourage a balanced approach to work and life responsibilities. We invest in our people through continuous learning and career growth. We live and work in the communities we serve. Diversity Statement / EEO Statement We are an Equal Opportunity Employer. AgCredit strives to recruit, hire, train, and promote individuals without regard to race, color, religion, sex, national origin, age, disability, parental status, marital status, political affiliation, military service, or any other non-merit based factor. EOE including disability/veterans.