commercial credit analyst

First Interstate Bank

<div><div>**If you are a current FIB employee, please apply through the Career Worklet in the <div>Employee Portal</div>.</div><div>
This position can be located at our Boise Overland Rd. and Coeur d'Alene, ID Riverstone Dr. branch. 
 
What&rsquo;s Important to You 
We know your career is just one aspect of a meaningful, complex, and demanding life. That&rsquo;s why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.</div><ul><li>
Generous Paid Time Off (PTO) in addition to paid federal holidays.</li><li>
Student debt employer repayment program.</li><li>
401(k) retirement plan with a 6% match.</li><li>
The health and happiness of the places we call home matter to us. Learn a little more about what we do for the <div>communities we serve</div> and why we want YOU to be a part of it.</li></ul><div>
We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate. 
 
SUMMARY 
The Credit Analyst II collaborates with relationship managers in gathering and evaluating commercial credit related information on current and prospective customers by preparing written reports of analysis which include in-depth analysis of financial statements, historical and projection-based cash flow and ratio analysis, suggested credit structure, general industry analysis and identified risks. 
 
ESSENTIAL DUTIES AND RESPONSIBILITIES</div><ul><li>
Reads, reviews, and understands various financial statements to include but not limited to; tax returns, balance sheets, profit and loss statements, agings, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, rent rolls, lease agreements, and appraisals.</li><li>
Prepares financial spreads for various types of commercial and real estate businesses, municipalities, non-profits, and individuals acting as direct obligation borrowers or guarantors.</li><li>
Analyzes credit worthiness of commercial applicants and guarantors as appropriate by reviewing the loan application, spreading historical and projection based financial statements, calculating cash flows, leverage, and liquidity ratios, evaluating collateral, conducting research on the borrower(s) and key industries, and identifying risks.</li><li>
Analyzes findings and authors a comprehensive report of analysis using a mix of data analysis (charts, formulas, graphs, etc.) and written narrative.</li><li>
Evaluates credit quality and suggests proper risk rating based on analysis of most recent financial information.</li><li>
Possesses proficiency relative to credit transactions and analytical skills sufficient to enable independent underwriting of commercial requests for streamlined to complex requests with limited guidance from immediate manager.</li><li>
Ensures compliance to applicable regulations and keeps up-to-date with changes in federal regulations and FIB credit policy requirements.</li><li>
Assists the Relationship Manager in the preparation of reports for quarterly monitoring of classified and criticized commercial relationships.</li><li>
Completes financial performance metric covenant testing utilizing prepared financial spreads.</li><li>
Participates in a quality control program that provides for the monthly review of general forms, spreads, and analysis with the provision of feedback and mentoring.</li></ul><div> 
QUALIFICATIONS 
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 
 
KNOWLEDGE, SKILLS AND ABILITIES</div><ul><li>
Strong organization and time management skills.</li><li>
Excellent written and verbal skills.</li><li>
Able to develop and maintain internal and external relationships with individuals such as Relationship Managers, Credit Officers, and Risk Management Personnel.</li><li>
Able to work in a fast-paced environment, set priorities, and establish and meet strict deadlines with the flexibility to adapt quickly to changing priorities.</li><li>
Self-motivated and possess the ability to assist with credit risk decisions.</li><li>
Strong analytical and problem-solving skills, as well as an attention to detail.</li><li>
Able to prioritize and work with others in an integrated way to achieve individual objectives and team results with flexibility to adapt to changing volumes, requirements, and areas of focus.</li><li>
Proficiency with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint.</li><li>
Able to acclimate quickly to other programs.</li><li>
Experience with financial spread software.</li></ul><div> 
EDUCATION AND/OR EXPERIENCE</div><ul><li>
Bachelor's Degree in Business, Finance, or related field required or</li><li>
7-9 years of banking experience and/or equivalent combination of education and experience required</li><li>
1-3 years experience in a similar position required</li><li>
Commercial banking experience preferred</li></ul><div> 
PHYSICAL DEMANDS AND WORKING ENVIRONMENT 
The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.</div><ul><li>
Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently</li><li>
Lifting - Occasionally (up to 10 lbs)</li><li>
Sitting - Frequently</li><li>
Overtime - Subject to business need</li><li>
Noise Level - Moderate</li><li>
Typical Work Hours - M-F (8-5)</li><li>
Regular and Predictable Attendance - Required</li></ul><div> 

**If you are a current FIB employee, please apply through the Career Worklet in the <div>Employee Portal</div>.</div></div>

Credit Analyst II

Carrier

<div>Role: Credit Analyst
Location: Hyderabad
Full/ Part-time: Full Time
Build a career with confidence
Carrier Global Corporation, global leader in intelligent climate and energy solutions is committed to creating solutions that matter for people and our planet for generations to come. From the beginning, we've led in inventing new technologies and entirely new industries. Today, we continue to lead because we have a world-class, diverse workforce that puts the customer at the center of everything we do.
About the role
Established Credit &amp; Collections (Accounts Receivable) professional. Performs work related to billing, credit and collections, and accounts receivable reporting in adherence to policies, procedures and guidelines.
Key Responsibilities:<ul><li>
Assess new customer credit risks<ul><li>
Assess customers against policy and document credit risks</li><li>
Issue proposed credit limits for approval</li><li>
Support the review of Non-Standard Commercial Terms</li></ul></li><li>
Ongoing monitoring of customer credit risk<ul><li>
Monitor &amp; update specific customer risks</li><li>
Liaise with stakeholder groups to discuss options</li><li>
Communicate with interested parties</li><li>
Monitor customers nearing or reaching credits</li><li>
Analyze a portfolio of customers, and document overall credit risks</li></ul></li><li>
Annual credit reviews<ul><li>
Monitor timeliness and requirement for annual review</li><li>
Reference credit records with customer activity, including outstanding balances</li><li>
Request deactivation of customer accounts (where appropriate)
</li><li>Evaluate ratings and propose changes to limits.</li></ul></li><li>
Execute standard credit reporting</li><li>
Support other OTC Process teams as business demand requires</li><li>
Contribute to operational and strategic process improvements</li><li>
Participation on testing, implementation in various project (ERP, ticketing tool implementation ...etc.)</li><li>
Knowledge transfer in/out of the company</li><li>
Processing reports</li><li>
SOP/DTP creation preparation</li></ul>
Requirements<ul><li>
Must be a Commerce graduate with at least 5-7 years relevant experience in similar industry</li><li>
Go-getter/ quick learner/ team player</li><li>
Able to think independently to get results</li></ul>
Benefits
We are committed to offering competitive benefits programs for all of our employees and enhancing our programs when necessary.<ul><li>
Have peace of mind and body with our health insurance</li><li>
Drive forward your career through professional development opportunities</li><li>
Achieve your personal goals with our Employee Assistance Programme</li></ul>
Our commitment to you
Our greatest assets are the expertise, creativity and passion of our employees. We strive to provide a great place to work that attracts, develops and retains the best talent, promotes employee engagement, fosters teamwork and ultimately drives innovation for the benefit of our customers. We strive to create an environment where you feel that you belong, with diversity and inclusion as the engine to growth and innovation. We develop and deploy best-in-class programs and practices, providing enriching career opportunities, listening to employee feedback and always challenging ourselves to do better. This is The Carrier Way.
Join us and make a difference.
Apply Now!
Carrier is An Equal Opportunity/Affirmative Action Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status, age or any other federally protected class.
Job Applicant's Privacy Notice:
Click on this link to read the Job Applicant's Privacy Notice</div>

Analyst - Credit

Umanist Staffing

Job SummaryThe Credit Analyst II is responsible for daily operations, applicable projects, employee training, and reporting of the credit department which includes: new counterparty setups, credit limits on counterparties, contract reviews, customer inquiries, mentoring of teammates and monitoring of credit exposures. This role requires attention to detail and a strong understanding of accounting and finance principals. The ability to thrive in a team environment is a key to success! Your work will challenge you, and with our Core Values to guide you, you&rsquo;ll quickly learn and grow with us.Responsibilities/Expectations:<ul><li>Coordinates review of credit terms within counterparty agreements and provides recommendations</li><li>Issues letters of credit and guarantees according to company guidelines</li><li>Develops positive relationships with internal/external counterparties</li><li>Makes decisions regarding credit limits and resolves sophisticated credit problems within company guidelines</li><li>May mentor others</li><li>Produces reports on credit activities/operations on a daily, weekly, monthly, quarterly and annual basis</li><li>Other duties as assigned</li></ul>Education/Years of Experience:<ul><li>Required: Bachelor&rsquo;s degree business, finance or accounting and minimum of three (3) years working in an accounting/finance environment</li><li>Preferred: A minimum of five (5) years oil and gas experience in an accounting/finance area</li></ul>Other Requirements:<ul><li>Demonstrates excellent organizational/interpersonal skills and safety as the utmost priority</li><li>Proficiency in Microsoft Office Applications and PC skills</li><li>Detailed understanding of finance and accounting principals, financial documents and ratio analysis</li></ul>Job Type: Full-timePay: $55.00 - $60.00 per hourExpected hours: 40 per weekWork Location: On the road

Gas Credit Analyst

UBL UAE

<div>
 
 UBL UAE is seeking for a highly analytical and detail-oriented professional to join our Financial Institutions team as Credit Analyst. The ideal candidate will be responsible for evaluating the creditworthiness of banks, non-banking financial companies (NBFCs), and insurance firms. This role requires a solid understanding of financial analysis, regulatory frameworks, and market dynamics impacting financial institutions.
 
 
 
 
 
 
 
 Key Responsibilities
 
 
 
 
 
 
 
 
 1. Credit Evaluation &amp; Risk Assessment
 
 
 <ul>
 <li>
 Conduct in-depth credit assessments of counterparties including banks, NBFCs, and insurance firms using financial, regulatory, and qualitative criteria.
 </li>
 <li>
 Prepare comprehensive credit proposals, assign internal risk ratings, and recommend appropriate exposure limits.
 </li>
 <li>
 Evaluate entity-level risks including capital adequacy, asset quality, funding and liquidity profiles, earnings stability, and management quality.
 </li>
 </ul>
 
 
 2. Portfolio Management &amp; Risk Monitoring
 
 
 <ul>
 <li>
 Continuously monitor the credit portfolio for early warning signals, deteriorating credit metrics, and industry developments.
 </li>
 <li>
 Ensure periodic credit reviews are completed in line with internal policies and regulatory guidelines (e.g., Basel norms).
 </li>
 <li>
 Track macroeconomic, regulatory, and sectoral developments affecting portfolio counterparties.
 </li>
 </ul>
 
 
 3. Credit Support &amp; Stakeholder Coordination
 
 
 <ul>
 <li>
 Work closely with Relationship Managers (RMs) to support deal structuring, credit analysis, and approval processes.
 </li>
 <li>
 Present credit assessments and recommendations to Credit Committees.
 </li>
 <li>
 Ensure effective alignment of risk appetite with business objectives and transaction structures.
 </li>
 </ul>
 
 
 4. Relationship Management &amp; Market Intelligence
 
 
 <ul>
 <li>
 Develop and maintain relationships with senior stakeholders across financial institutions.
 </li>
 <li>
 Stay abreast of market trends, regulatory changes, monetary policies, and liquidity movements to proactively assess risks and opportunities.
 </li>
 </ul>
 
 
 5. Product Expertise &amp; Structuring
 
 
 <ul>
 <li>
 Demonstrate strong knowledge of FI-specific products such as:
 </li>
 <li>
 Trade Finance
 </li>
 <li>
 Syndicated Lending
 </li>
 <li>
 Custody Services
 </li>
 <li>
 Liquidity Management Solutions
 </li>
 <li>
 Provide input on product structuring and tailor credit solutions that balance client needs with the bank&rsquo;s risk appetite.
 </li>
 </ul>
 
 
 
 
 
 
 Key Requirements:
 
 
 
 
 
 
 <ul>
 <li>
 Bachelor's/Master&rsquo;s degree in Finance, Economics, Accounting, or related field; CFA/FRM qualifications are a plus.
 </li>
 <li>
 4&ndash;6 years of relevant experience in credit analysis or risk management within a bank or financial institution.
 </li>
 <li>
 In-depth knowledge of regulatory and rating frameworks.
 </li>
 <li>
 Excellent written and verbal communication skills for effective report writing and presentations.
 </li>
 <li>
 Strong stakeholder management and collaboration skills.
 </li>
 <li>
 Analytical mindset with the ability to manage multiple priorities in a fast-paced environment.
 </li>
 <li>
 Strong financial statement analysis and credit modelling skills.
 </li>
 </ul>
</div>

Credit Analyst - Financial Institutions

Pekamy Freshminds

Seeking candidates with experience in:&#10004; Gathering &amp; processing Storage Pipeline activity&#10004; Tools: Paragon, Experion, S&amp;P IQ, Moodys&#10004; Power BI strongly preferred &mdash; highly competitive advantageCandidates without this background should not apply.---Job SummaryThe Infrastructure Credit Analyst II supports daily operations within the credit department, including counterparty setups, credit limit analysis, reporting, contract reviews, and credit exposure monitoring. This role requires strong analytical ability, attention to detail, and a solid understanding of finance and accounting principles. The position involves teamwork, mentoring, and producing timely credit reports.---Key ResponsibilitiesReview credit terms in counterparty agreements and provide recommendations.Issue letters of credit and guarantees according to company guidelines.Build positive relationships with internal and external counterparties.Make decisions regarding credit limits and resolve complex credit issues.Produce daily, weekly, monthly, quarterly, and annual credit reports.Support credit operations, departmental projects, and team mentoring.Perform other assigned duties.---Required QualificationsBachelor&rsquo;s degree in Business, Accounting, Finance, or related fieldMinimum 3 years of accounting/finance experienceStrong knowledge of finance &amp; accounting principles, financial documents, and ratio analysisProficiency with Microsoft Office and strong PC skillsExcellent organizational and interpersonal skillsSafety-focused, team-oriented---Preferred Qualifications5+ years oil &amp; gas experience in a finance or accounting capacityExperience with:ParagonExperionS&amp;P IQMoodysPower BI (strong advantage)Storage Pipeline activity processing---Industry: Oil &amp; EnergyEmployment Type: Contract---IMPORTANT NOTEDo not apply if you lack experience with Storage Pipeline activity or the required tools.Before applying, use AI tools to organize and improve your CV for best results.Job Types: Full-time, ContractPay: $35.00 per hourExpected hours: 40 per weekWork Location: In person

Infrastructure Credit Analyst II (WMBJP00002581)

United States Citigroup

Underwriting Credit Analyst is responsible for owning the Credit Risk Analysis for Citi Corporate Clients and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio &amp; Industry Reviews. Key Responsibilities: <ul> <li>Assess the credit and financial strength of Citi s Corporate Clients based in Sub-Saharan Middle East and North Africa by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors</li> <li>Complete Credit Analysis Write-up Memos and assign internal ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite</li> <li>Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Senior Underwriters, Risk and Banking partners</li> <li>Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios</li> </ul> Skills/Competencies: <ul> <li>Assists colleagues in identifying stretch opportunities to elevate individual and team performance</li> <li>Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority</li> <li>Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively</li> <li>Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority</li> <li>Microsoft Office (Word, Excel, and PowerPoint) skills</li> </ul> Language: English Read, Write and Speak

Underwriting Credit Analyst - Officer

Farm Credit Bank of Texas

<div>Who we are:
Farm Credit Bank of Texas is a $40.9 billion wholesale bank that has been financing agriculture and rural America for over 100 years. Headquartered in Austin, Texas, we provide funding and services to rural lending associations in five states, and we are active in the nation&rsquo;s capital markets.
While you may not be familiar with our name, Farm Credit Bank of Texas plays a critical role in supporting the businesses that make it possible for America to maintain access to an affordable and safe food supply, an industry which is one of the most innovative and evolving of our time. And while you help us deliver on our mission, we deliver on our commitment to you as a valued employee by providing competitive compensation, generous health and wellness benefits packages and an attractive workplace located along the bluffs of the Colorado River just minutes west of downtown Austin.
We seek out top talent in their fields, whether it be technology, finance, accounting, credit, human resources, or other administrative functions, and welcome you to join us in our mission to feed the world. 
 
Position Description:
We are seeking a highly skilled Analyst &ndash; Credit Operations &amp; Services to join our team. This role monitors and coordinates the flow of information and documentation related to participation loans, ensuring accuracy, completeness, and compliance across all required processes. The analyst interprets and applies monitoring requirements for individual loans and supports compliance and documentation standards for syndicated credit facilities.
Working under limited supervision, the analyst exercises sound independent judgment and know when escalation is appropriate, offering well-reasoned recommendations when issues arise. This role functions as a key contributor within a collaborative team environment, supporting colleagues and maintaining strong communication channels across the organization.
The analyst follows established processes and procedures to maintain compliance with internal controls while ensuring timely, efficient handling of credit operations activities. The ideal candidate will be detail-oriented, proactive, and comfortable navigating complex credit documentation and workflow requirements.
Day-to Day-Duties and Responsibilities:
<ul><li>Collect and organize post-close loan documents for review, analysis and interpretation to input pertinent compliance, covenants or financial ration data into the data tracking system and make determinations on sufficiency when received to confirm regulatory compliance.
</li><li>Reviews loan agreements, credit documents, and amendments to identify and extract covenant and compliance requirements, ensuring accurate updates to covenant tracking systems to reflect current obligations and risk indicators and store in Client files for regulatory and audit requirements. Uses sound judgment to assess covenants and risk indicators and determine when further review or escalation is warranted.
</li><li>Monitors Shared Sites and the Compliance Inbox to review incoming legal and compliance-related documents, ensuring timely tracking and verification of adherence to covenants, legal agreements, and annual review requirements. Use independent judgment to ascertain if documents meet Credit and Compliance requirements.
</li><li>Responsible for identifying and communicating deficiencies, due and overdue items&mdash;including failed financial ratios&mdash;to Credit and Lending Officers, and exercising discretion to escalate issues when appropriate, along with recommended actions.
</li><li>Reviews loan records for compliance to ensure that all information and documents are received. Identifies overdue items and exercises judgment in determining appropriate follow-up actions or escalation.
 </li><li>Creates, reviews and distributes compliance reports weekly, monthly and as requested. Research and requests items from, Credit Office or Lending Officer to clear overdue items.
</li><li>Distribute legal documents to sub-participants in a timely fashion. Create and manage portals for Associates where FCBT is lead and update relevant legal and credit documents on to site for proper dissemination.
</li><li>Support team members to collect and organize loan closing information for review and analysis to input pertinent loan data into a Loan Deal Sheet. Examine the loan deal sheet for accuracy and completeness.
</li><li>Assists in the electronic documentation delivery process for internal and external audits.
</li><li>Prepare documents and correspondence for reports as required.
</li><li>Reviews credit desk analysis forms for upcoming legal amendments, and waiver notifications.
</li><li>Completes special projects as assigned. Including testing new Systems of work or requesting enhancements or propose changes to procedures to better align with Business needs and compliance monitoring requirements.
</li></ul>Skills &amp; Requirements:
Knowledge of various types of credit offerings and the procedures required for administration of related loans. Knowledge of loan administration practices, including legal document review, credit monitoring and related documentation. General knowledge of accounting/financial systems. Professional and courteous oral and written communication are required. Problem solving skills and proficiency in organizing and prioritizing work are also required. Intermediate skill level in Microsoft Office applications. Ability to communicate effectively, handle multiple concurrent tasks and learn new applications quickly. The incumbent should have a sound understanding of credit and legal terminology and work well under pressure.
What You Bring to the Team:
Our ideal candidate lives within a commutable distance from our office and appreciates the value of hybrid work design.
It&rsquo;s an important role that covers many skills. This position requires:
Bachelor&rsquo;s degree in business, Finance or a related field and two (2) years to (3) years of relevant work experience, preferably in credit administration and loan transaction processing. Experience in credit monitoring, Proven ability to critically analyze documents, problem solving skills, and follow internal controls.
Why Farm Credit Bank of Texas:
In addition to a competitive salary, we offer comprehensive, affordable, and competitive benefit options that are focused on health and wellness, financial security, and achieving a work-life balance:
<ul><li>Flexible health-and-wellness benefits, including medical insurance, prescription drug coverage, dental insurance, vision care, flexible spending accounts, and more.
</li><li>401(k) plan that includes immediate vesting of a generous employer match and additional employer contribution
</li><li>Long-term disability and life insurance
</li><li>Vacation leave, sick leave, and paid holidays
</li><li>Fertility benefit and parental leave plan
</li><li>Up to two days per year to volunteer in local community organizations, services, or events
</li><li>Ongoing professional-development opportunities
</li><li>Generous tuition-reimbursement program
</li><li>Physical fitness incentive plan
</li><li>Employer matching gifts program
</li></ul>Important note: We care about your hiring process and take it seriously. A real person will review your applications, meaning response timelines may vary. The interviewing process at Farm Credit Bank of Texas may include phone calls and emails, on-site interviews, and requests for portfolios or demonstrations of work. We can&rsquo;t personally follow-up with each applicant, and we will do our best to create a professional, respectful, and thorough process for candidates with whom we identify as a potential fit. 
 
A/EOE/M/F/D/V
#LI-Hybrid</div>

Analyst – Credit Operations & Services

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