commercial credit analyst

First Bank and Trust Company

<div></div><div><div><div><div><div>The First Bank and Trust Company is seeking an Experienced Commercial Credit Analyst to be located in the Shenandoah Valley region to support the bank&rsquo;s commercial and agricultural lending activities and to contribute to the overall credit quality of the bank. The Commercial Credit Analyst will be responsible for the thorough credit analysis of commercial and agricultural loan requests and of all related financial information and for assessing the credit-worthiness of commercial and agricultural loan requests. The Credit Analyst will also be responsible for providing complete, accurate and objective written reports presenting all financial information and summarizing the strengths and weaknesses of commercial and agricultural loan requests for use in the making of lending decisions.
A bachelor&rsquo;s degree in Accounting, Finance and Business and/or Economics (with sufficient credits in accounting) is required. Three to five years of commercial credit analysis and/or financial accounting experience is required. The candidate must possess strong financial analysis and accounting skills, strong critical thinking skills, strong written and verbal communication skills, a strong attention to detail, be well organized, and be able to work in a team environment. The candidate must also have strong computer skills, including Microsoft Word and Excel.<div><div><div><div><div><div><div><div><div><div><div><div><div>
BENEFITS FOR FULL-TIME EMPLOYEES:<ul><li>
PTO Leave is 20 Days per year earned monthly.</li><li>
First Bank and Trust recognizes 11 paid holidays, when the holidays occurs during the work week.</li><li>
Medical, Dental and Vision Insurance coverage starts the 1st day of the month after hire date.</li><li>
Employees are automatically enrolled in the bank's 401K/ESOP Plan.
</li><li>First Bank and Trust provides basic life insurance coverage equal to two times an employees' base salary.</li><li>
First Bank and Trust provides long-term disability Insurance coverage.</li></ul>
First Bank and Trust is an Equal Opportunity Employer EOE/AA/M/F/Disabled/Veteran</div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div>

Commercial Credit Analyst

Busey Bank

<div>Position Summary
The Credit Analyst provides accurate, timely, and succinct credit analysis to support the company&rsquo;s portfolio management and new business development efforts.<h2 class="jobSectionHeader">
Duties &amp; Responsibilities</h2><ul><li>
Financial statement spreading and analysis, including calculation of Debt Service Coverage or Fixed Charge Coverage Ratios per Busey guidelines.</li><li>
Use financial data such as cash flow, liquidity, profitability, and leverage to determine and minimize the overall risk of extending credit to businesses and individuals.</li><li>
Perform file reviews of assigned requests to ensure complete information, communicating with loan team to discuss missing information, applicable questions and any loan structure suggestions or concerns.</li><li>
Work with Commercial Relationship Managers or other Lending staff to prepare clear and concise Commercial Credit Approval Request (CCAR) memos that include all pertinent information associated with the overall risk of the loan, identifying the strengths and weaknesses of the Borrower.</li><li>
Evaluate collateral, industry data and other relevant credit information.</li><li>
Assist with Portfolio Management duties to include testing financial covenants, monitoring monthly borrowing base reports, preparing portfolio reviews and sensitive asset reports, as assigned.</li><li>
Assist Commercial Relationship Managers with the preparation of opportunity memos for new and existing relationships.</li><li>
Develop a working knowledge of the Commercial Banking Loan Policy and systems, including nCino.</li><li>
Assist with other duties or special projects as assigned.</li></ul><h2 class="jobSectionHeader">
Education &amp; Experience</h2><ul><li>
Knowledge of:</li><li>
Strong oral and written communication skills</li><li>
Proficiency in Microsoft Office Suite</li><li>
Knowledge of financial accounting</li><li>
Ability to:</li><li>
Prioritize workflow, multi-task and work independently</li><li>
Analyze and solve problems</li><li>
Take independent action within established guidelines</li><li>
Perform duties under frequent time pressures with a high degree of accuracy and attention to detail</li><li>
Education and Training:</li><li>
Requires Bachelor&rsquo;s degree with a concentration in Business or Finance.</li><li>
Requires 2 - 3 or more years of Commercial Credit experience.</li><li>
Requires knowledge of Microsoft Office.</li><li>
Reliable and predictable on-site attendance.</li></ul>
Compensation and Benefits
Salary offered is based on factors, including but not limited to, the job duties, required qualifications and relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance. 
(Base Pay Range: $59,000 - $67,000 annual) 
Busey provides a competitive Total Rewards package in return for your time, talents, efforts and ultimately, results. Your personal and professional well-being&mdash;now and in the years to come&mdash;are important to us. Busey&rsquo;s Total Rewards include a competitive benefits package offering 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company-paid life insurance and long-term disability, supplemental voluntary life insurance, short-term and long-term disability, wellness incentives and an employee assistance program. In addition, eligible associates may take advantage of pre-tax health savings accounts and flexible spending accounts. Visit Busey Total Rewards for more information. 
Equal Opportunity
Busey values a diverse and inclusive workplace and strives to recruit, develop and retain individuals with exceptional talent. A team with diverse talent, working together, is essential to Busey&rsquo;s commitment of delivering service excellence. Busey is an Equal Opportunity Employer including Disability/Vets. Visit Busey.com/Careers to learn more about Busey&rsquo;s Equal Opportunity Employment. 
Unsolicited Resumes
Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies (&quot;Agency&quot;), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings (&quot;Agreement&quot;). Busey may consider any candidate for whom an Agency has submitted an unsolicited resume and explicitly reserves the right to hire those candidate(s) without any financial obligation to the Agency, unless an Agreement is in place. Any email or verbal contact with any Busey associate is inadequate to create a binding agreement. Agencies without an Agreement are requested not to contact any associates of Busey with recruiting inquiries or resumes. Busey respectfully requests no phone calls or emails.</div>

Credit Analyst II

Information Technology Senior Management Forum

<div><div>Posted Date
2/20/2026
</div><div>Description
<div>Senior Associate, Quantitative Analyst - Commercial Credit Modeling Team
At Capital One data is at the center of everything we do. As a startup, we disrupted the credit card industry by individually personalizing every credit card offer using statistical modeling and the relational database, cutting edge technology in 1988! Fast-forward a few years, and this little innovation and our passion for data has skyrocketed us to a Fortune 200 company and a leader in the world of data-driven decision-making.
As a Quantitative Analyst at Capital One, you&rsquo;ll be part of a team that&rsquo;s leading the next wave of disruption at a whole new scale, using the latest in cloud computing and machine learning technologies and operating across billions of customer records to unlock the big opportunities that help everyday people save money, time and agony in their financial lives.
Capital One&rsquo;s Commercial Bank Team has a $100B+ loan portfolio that has grown organically and via acquisitions, covering C&amp;I, CRE, and Structured Products. On this team, you&rsquo;ll get an opportunity to solve a diverse set of problems with a diverse set of tools. In some settings, you&rsquo;ll leverage open source programming or cloud computing to predict credit risk loss across multi-million record datasets using statistical techniques. In other settings, you&rsquo;ll get the opportunity to use completely different skill sets, blending business thinking with simulation and quantitative tools when forecasting rare or unprecedented events. It&rsquo;s a growing team full of exciting opportunities to solve a range of complex problems.
Responsibilities and Skills:<ul><li>
Develop credit risk models for various business applications, including internal risk rating, loss forecasting, stress testing, pricing for Structured Products</li><li>
Partner with the business analyst team to enhance modeling and analytical frameworks to generate business insights and drive changes</li><li>
Proactively identify opportunities to apply quantitative methods and automation solutions to improve model performance and process efficiencies</li><li>
Collaborate with implementation and data infrastructure team to build cloud-based solutions for model deployment, monitoring, and maintenance</li><li>
Work effectively with challenge functions to ensure prompt and comprehensive support for model governance</li></ul>
Expertise in quantitative analysis is central to our success in all markets. Our modelers thrive in a culture of mutual respect, excellence and innovation.
Successful candidates will possess:<ul><li>
Excellent coding skills in Python (must-have) and/or R (good to have) with self-drive to create accurate, efficient, and organized code using industry best practices</li><li>
Hands-on experience utilizing data analysis and visualization packages to gain insights from large datasets</li><li>
Deep understanding of quantitative analysis methods with practical considerations under the context of financial institutions and/or commercial bank lending</li><li>
Demonstrated track-record in applying statistical, machine learning and/or econometric analysis to solve business problems</li><li>
Drive to develop and maintain high quality and transparent model documentation</li><li>
Strong communication skills both written and verbal, and storytelling skills for presentations</li><li>
Experience with simulation-based modeling approach, stochastic processes, etc</li><li>
Appreciation for processes, controls, and good governance</li></ul>
Basic Qualifications:<ul><li>
Currently has, or is in the process of obtaining one of the following with an expectation that the required degree will be obtained on or before the scheduled start date:<ul><li>
A Bachelor's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 3 years of experience performing data analytics</li><li>
A Master's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) or an MBA with a quantitative concentration plus 1 year of experience performing data analytics</li></ul></li></ul>
Preferred Qualifications:<ul><li>
Master&rsquo;s Degree or PhD in Statistics, Economics, Mathematics, Financial Engineering, Operations Research, Engineering, Finance, Physics or related discipline</li><li>
At least 2 years of experience with data analysis</li><li>
At least 1 year of experience with Python, R or other statistical analyst software</li></ul>
Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.
The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.
McLean, VA: $135,600 - $154,800 for Sr Assoc,Quantitative Analysis 
Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate&rsquo;s offer letter.
This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.
Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.
This role is expected to accept applications for a minimum of 5 business days.No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City&rsquo;s Fair Chance Act; Philadelphia&rsquo;s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.
If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com
Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.
Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).
Senior Associate, Quantitative Analyst - Commercial Credit Modeling Team
At Capital One data is at the center of everything we do. As a startup, we disrupted the credit card industry by individually personalizing every credit card offer using statistical modeling and the relational database, cutting edge technology in 1988! Fast-forward a few years, and this little innovation and our passion for data has skyrocketed us to a Fortune 200 company and a leader in the world of data-driven decision-making.
As a Quantitative Analyst at Capital One, you&rsquo;ll be part of a team that&rsquo;s leading the next wave of disruption at a whole new scale, using the latest in cloud computing and machine learning technologies and operating across billions of customer records to unlock the big opportunities that help everyday people save money, time and agony in their financial lives.
Capital One&rsquo;s Commercial Bank Team has a $100B+ loan portfolio that has grown organically and via acquisitions, covering C&amp;I, CRE, and Structured Products. On this team, you&rsquo;ll get an opportunity to solve a diverse set of problems with a diverse set of tools. In some settings, you&rsquo;ll leverage open source programming or cloud computing to predict credit risk loss across multi-million record datasets using statistical techniques. In other settings, you&rsquo;ll get the opportunity to use completely different skill sets, blending business thinking with simulation and quantitative tools when forecasting rare or unprecedented events. It&rsquo;s a growing team full of exciting opportunities to solve a range of complex problems.
Responsibilities and Skills:<ul><li>
Develop credit risk models for various business applications, including internal risk rating, loss forecasting, stress testing, pricing for Structured Products</li><li>
Partner with the business analyst team to enhance modeling and analytical frameworks to generate business insights and drive changes</li><li>
Proactively identify opportunities to apply quantitative methods and automation solutions to improve model performance and process efficiencies</li><li>
Collaborate with implementation and data infrastructure team to build cloud-based solutions for model deployment, monitoring, and maintenance</li><li>
Work effectively with challenge functions to ensure prompt and comprehensive support for model governance</li></ul>
Expertise in quantitative analysis is central to our success in all markets. Our modelers thrive in a culture of mutual respect, excellence and innovation.
Successful candidates will possess:<ul><li>
Excellent coding skills in Python (must-have) and/or R (good to have) with self-drive to create accurate, efficient, and organized code using industry best practices</li><li>
Hands-on experience utilizing data analysis and visualization packages to gain insights from large datasets</li><li>
Deep understanding of quantitative analysis methods with practical considerations under the context of financial institutions and/or commercial bank lending</li><li>
Demonstrated track-record in applying statistical, machine learning and/or econometric analysis to solve business problems</li><li>
Drive to develop and maintain high quality and transparent model documentation</li><li>
Strong communication skills both written and verbal, and storytelling skills for presentations</li><li>
Experience with simulation-based modeling approach, stochastic processes, etc</li><li>
Appreciation for processes, controls, and good governance</li></ul>
Basic Qualifications:<ul><li>
Currently has, or is in the process of obtaining one of the following with an expectation that the required degree will be obtained on or before the scheduled start date:<ul><li>
A Bachelor's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 3 years of experience performing data analytics</li><li>
A Master's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) or an MBA with a quantitative concentration plus 1 year of experience performing data analytics</li></ul></li></ul>
Preferred Qualifications:<ul><li>
Master&rsquo;s Degree or PhD in Statistics, Economics, Mathematics, Financial Engineering, Operations Research, Engineering, Finance, Physics or related discipline</li><li>
At least 2 years of experience with data analysis</li><li>
At least 1 year of experience with Python, R or other statistical analyst software</li></ul>
Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.
The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.
McLean, VA: $135,600 - $154,800 for Sr Assoc,Quantitative Analysis 
Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate&rsquo;s offer letter.
This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.
Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.
This role is expected to accept applications for a minimum of 5 business days.No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City&rsquo;s Fair Chance Act; Philadelphia&rsquo;s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.
If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com
Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.
Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).</div>
</div><div>Salary
135,600.00 - 154,800.00 Annual
</div><div></div><div><div>Type<div>
Full-time</div></div></div></div>

Senior Associate, Quantitative Analyst - Commercial Credit Modeling Team

Iverson Four, Inc

Position OverviewThe Credit Policy Analyst supports the execution, maintenance, and implementation of company credit policies, matrices, and guidelines across Agency and Non-Agency products.This is a hands-on execution role focused on monitoring guideline updates, implementing approved changes, and ensuring credit guidance remains current, consistent, and aligned with established Credit Policy direction.Key ResponsibilitiesMonitor, interpret Agency and Non-Agency guideline updates and implement approved changes.Update and maintain credit policies, guidelines and product matrices.Draft proposed policy and guideline revisions for review and approval.Respond to internal credit policy interpretation and clarification requests.Track effective dates and maintain version control documentation.Support accuracy and integrity of published credit materials.Perform other related duties and support Credit Policy initiatives as assigned.QualificationsMinimum 2 years of mortgage experience with direct exposure to credit policy execution.Experience with Agency guidelines and Non-QM exposure preferred.Demonstrated experience interpreting investor guideline updates.Strong analytical and written communication skills.Detail-oriented and organizational capabilities.Proficient in Encompass or similar LOS platforms.Ability to work independently in a structured execution environment.Compensation: $75,000- $110,000 annuallyPay: $75,000.00 - $110,000.00 per yearBenefits:<ul><li>401(k)</li><li>Dental insurance</li><li>Employee assistance program</li><li>Employee discount</li><li>Flexible spending account</li><li>Health insurance</li><li>Health savings account</li><li>Life insurance</li><li>Paid time off</li><li>Referral program</li><li>Retirement plan</li><li>Vision insurance</li></ul>Work Location: Hybrid remote in Lake Forest, CA 92630

Credit Policy Analyst

Barclays

<div>Embark on a transformative journey as an Analyst - Wholesale Credit Sanctioning - LevFin at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unparalleled customer experiences. 
 
Join us as an Analyst - Wholesale Credit Sanctioning - LevFin at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionise our digital offerings, ensuring unapparelled customer experiences. 
 
To be successful as an Analyst at LevFin Credit Risk, you should have:<ul><li>
Experience in corporate credit risk assessment of global credits, with a focus on the US and/or EMEA regions within the high risk/LevFin domain.</li><li>
Preparing annual/periodic credit reviews for submission to senior Risk Officers and presentation in Credit Committees.</li><li>
Stay current with financial analysis and risk profile of the assigned sectors, borrowers and counterparties.</li><li>
Actively support the senior credit officers for periodic regulatory examinations / Internal Audits / Transactions / Risk initiatives.</li></ul> 
Some of Highly Valued Skills may include:<ul><li>
Experience in credit risk , preferably in an international banking environment, covering Leveraged and/or High Yield clients</li><li>
Possess good analytical skills with attention to detail, ability to provide big picture decision making</li><li>
Possess good interpersonal, verbal and written communication skills, and have the ability to clearly articulate concepts and ideas.</li></ul> 
You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job-specific technical skills. 
The location of the role is Mumbai.

Purpose of the role
To independently assess and make credit decisions for complex financing transactions within the LevFin, SLF, and Hedge Funds sectors, ensuring alignment with the bank's credit risk appetite and regulatory requirements and contribute to the development and implementation of credit risk policies and procedures for the Specialised Sector.
Accountabilities<ul><li>
Analysis of complex financial information and business models of LevFin, SLF, and Hedge Fund clients to assess their creditworthiness, repayment capacity, and potential risks.</li><li>
Monitoring of the performance of the LevFin, SLF, and Hedge Fund portfolio, identifying and reporting early warning signs of potential credit deterioration.</li><li>
Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions.</li><li>
Documentation credit decisions and rationale in a clear and concise manner, adhering to internal audit and regulatory reporting standards.</li><li>
Development and implementation of strategies to mitigate identified credit risks and optimise portfolio performance.</li></ul>
Analyst Expectations<ul><li>
To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement.</li><li>
Requires in-depth technical knowledge and experience in their assigned area of expertise</li><li>
Thorough understanding of the underlying principles and concepts within the area of expertise</li><li>
They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources.</li><li>
If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L &ndash; Listen and be authentic, E &ndash; Energise and inspire, A &ndash; Align across the enterprise, D &ndash; Develop others.</li><li>
OR for an individual contributor, they develop technical expertise in work area, acting as an advisor where appropriate.</li><li>
Will have an impact on the work of related teams within the area.</li><li>
Partner with other functions and business areas.</li><li>
Takes responsibility for end results of a team&rsquo;s operational processing and activities.</li><li>
Escalate breaches of policies / procedure appropriately.</li><li>
Take responsibility for embedding new policies/ procedures adopted due to risk mitigation.</li><li>
Advise and influence decision making within own area of expertise.</li><li>
Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.</li><li>
Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function.</li><li>
Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.</li><li>
Make evaluative judgements based on the analysis of factual information, paying attention to detail.</li><li>
Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.</li><li>
Guide and persuade team members and communicate complex / sensitive information.</li><li>
Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.</li></ul>
All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship &ndash; our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset &ndash; to Empower, Challenge and Drive &ndash; the operating manual for how we behave.</div>

Analyst - Wholesale Credit Sanctioning - LevFin

Cardinal Health

<div>What Credit contributes to Cardinal Health 
Finance oversees the accounting, tax, financial plans and policies of the organization, establishes and maintains fiscal controls, prepares and interprets financial reports, oversees financial systems and safeguards the organization's assets. 
 
Credit is responsible for managing Cardinal Health's trade and note receivables including performing credit underwriting, establishing bad debt reserves, managing customer relationships, collaborating with the sales and collections teams, managing credit risk for the company, and administering credit policies and standards.
Job Summary
The Credit Advisor is responsible for evaluating, structuring, and monitoring commercial credit exposure across a complex B2B portfolio. This role focuses on underwriting discipline, contract evaluation, portfolio analytics, and cross-functional risk alignment (not collections execution). This role partners closely with Sales, Finance, Legal, Contracting, and Operations to ensure credit decisions align with risk appetite, compliance standards, and working capital objectives.
Responsibilities<ul><li>
Commercial Credit Underwriting<ul><li>
Perform in-depth financial statement analysis (GAAP and tax basis)</li><li>
Evaluate liquidity, leverage, profitability, and cash flow adequacy</li><li>
Assess debt capacity, covenant sensitivity, and stress scenarios</li><li>
Assign internal risk ratings and recommend credit limits</li><li>
Conduct periodic portfolio reviews and risk migration analysis</li></ul></li><li>
Contract &amp; Compliance Evaluation<ul><li>
Review customer agreements and contract terms for credit risk implications</li><li>
Assess payment terms, pricing structure, rebate exposure, and compliance risk</li><li>
Ensure alignment with internal risk policy and SOX control requirements</li><li>
Partner with Legal and Contracting on risk-sensitive structures</li></ul></li><li>
Portfolio Risk &amp; Order-to-Cash Integration<ul><li>
Monitor exposure across business units</li><li>
Analyze aging trends, DSO impact, and working capital risk</li><li>
Evaluate cross-segment exposure visibility</li><li>
Support structured credit decision documentation</li><li>
Provide portfolio-level reporting and executive-ready summaries</li></ul></li><li>
Cross-Functional Collaboration<ul><li>
Partner with Sales leadership to structure appropriate credit solutions</li><li>
Work closely with Finance, Treasury, and Operations on exposure monitoring</li><li>
Participate in customer-level risk discussions and strategic planning</li><li>
Support continuous improvement in credit governance processes</li></ul></li></ul>
Qualifications<ul><li>
Bachelor's degree in related field, or equivalent work experience, preferred</li><li>
4-6 years of commercial underwriting experience within banking, manufacturing, or B2B distribution industry, preferred</li><li>
Strong understanding of financial statement analysis, credit structuring and risk rating methodology</li><li>
Familiarity with Order-to-Cash workflows and portfolio analytics, preferred</li><li>
Experience with MS Excel</li><li>
Strong executive communication skills</li><li>
Experience supporting compliance and contract risk evaluation, preferred</li><li>
SAP experience, strongly preferred</li><li>
Exposure to healthcare or regulated industries, preferred</li><li>
Experience working within multi-entity or multi-business-unit structures, preferred</li><li>
Portfolio stress testing and exposure aggregation analysis, preferred</li><li>
Experience working cross-functionally across Finance, Legal, and Sales, preferred</li></ul>
What is expected of you and others at this level<ul><li>
Applies comprehensive knowledge and a thorough understanding of concepts, principles, and technical capabilities to perform varied tasks and projects</li><li>
May contribute to the development of policies and procedures</li><li>
Works on complex projects of large scope</li><li>
Develops technical solutions to a wide range of difficult problems</li><li>
Solutions are innovative and consistent with organization objectives</li><li>
Completes work; independently receives general guidance on new projects</li><li>
Work reviewed for purpose of meeting objectives</li><li>
May act as a mentor to less experienced colleagues</li></ul>
Anticipated salary range: $67,500-$96,300
Bonus eligible: No
Benefits: Cardinal Health offers a wide variety of benefits and programs to support health and well-being.<ul><li>
Medical, dental and vision coverage</li><li>
Paid time off plan</li><li>
Health savings account (HSA)</li><li>
401k savings plan</li><li>
Access to wages before pay day with myFlexPay</li><li>
Flexible spending accounts (FSAs)</li><li>
Short- and long-term disability coverage</li><li>
Work-Life resources</li><li>
Paid parental leave</li><li>
Healthy lifestyle programs</li></ul>
Application window anticipated to close: 04/24/2026 *if interested in opportunity, please submit application as soon as possible.
The salary range listed is an estimate. Pay at Cardinal Health is determined by multiple factors including, but not limited to, a candidate&rsquo;s geographical location, relevant education, experience and skills and an evaluation of internal pay equity.
 #LI-Remote
#LI-SP1
Candidates who are back-to-work, people with disabilities, without a college degree, and Veterans are encouraged to apply.
Cardinal Health supports an inclusive workplace that values diversity of thought, experience and background. We celebrate the power of our differences to create better solutions for our customers by ensuring employees can be their authentic selves each day. Cardinal Health is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, ancestry, age, physical or mental disability, sex, sexual orientation, gender identity/expression, pregnancy, veteran status, marital status, creed, status with regard to public assistance, genetic status or any other status protected by federal, state or local law.</div>

Credit Advisor

Citi

<div>Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
The Credit Maintenance Intermediate Analyst is an intermediate level position responsible for capturing and recording data on credit exposures, obligors and facilities in relevant credit systems in coordination with the Operations - Services team. The overall objective of this role is to coordinate and maintain data quality in credit systems, monitor and report credit exposure, escalate deficiencies and recommend delinquent strategies in alignment with overall credit policies. 
In this role, you&rsquo;re expected to:<ul><li>
Maintain data of relations and facilities in credit system, and enter data accurately in various auxiliary credit systems</li><li>
Consult with Relationship Manager (RM) to formalize requests for credit facilities or raise other problems to the appropriate organizations for their attention</li><li>
Detect revealed trends in the process of limited control to assess the needs of the line of credit, operations, or system problems</li><li>
Maintain accurate controls and insurance records ensuring timely follow-ups and renewals of insurance required for equipment and team&rsquo;s responsibility</li><li>
Prioritize and process the review of incoming credit applications to verify their accuracy and integrity, interpret them so that they are concise, exact, integral, in compliance with the policy, and register them in the database accurately and in a timely manner</li><li>
Monitor limits versus exposure at the end of the day and scale exceptions detected by the policy</li><li>
Aid important portfolios and apply professional decisions when interpreting information and results</li><li>
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li></ul>
As a successful candidate, you&rsquo;d ideally have the following skills and exposure:<ul><li>
6-8 years of relevant experience</li><li>
Experience in business preferred</li><li>
Working knowledge of industry standards and practices</li><li>
Working knowledge of data analysis tools and methodologies</li><li>
Demonstrated analytical skills</li><li>
Consistently demonstrates clear and concise written and verbal communication</li></ul>
Education:<ul><li>
Bachelor&rsquo;s degree/University degree or equivalent experience</li></ul>
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
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Job Family Group:
Operations - Services
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Job Family:
Credit Maintenance
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Time Type:
Full time
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Most Relevant Skills
Please see the requirements listed above.
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Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Credit Maintenance Intermediate Analyst – Officer

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