commercial credit analyst

HugoBank

<div>Credit Modeling Analyst will develop, implement, and validate statistical and mathematical models to support credit risk assessment and decision-making across Consumer &amp; Program Lending portfolios.
 
 
Credit Modeling Analyst will support the Head of Credit Risk, Merchant &amp; Program Lending in building robust, data-driven models for credit scoring, risk measurement, and portfolio performance forecasting, ensuring model integrity through regular back-testing and validation.
 
 
Core Responsibilities :
1. Develop and implement statistical and mathematical credit models.
2. Identify, define, and calculate independent and dependent variables for model building and ensure accurate representation of credit risk parameters.
3. Identify, define, and calculate independent and dependent variables for model building and ensure accurate representation of credit risk parameters.
4. Collect, handle, cleanse, and prepare data from multiple internal and external sources for modeling purposes.
5. Ensure data integrity and accuracy throughout the data pipeline from extraction to model input by implementing effective data quality checks and cleansing procedures.
6. Maintain model documentation including data dictionaries, variable definitions, and transformation logic. 7. Conduct regular model back-testing to assess model performance, stability, and predictive accuracy over time. 
Requirements 
<ul><li>
1-3 years experience in the credit modeling, risk modeling or similar role within a banking or financial services industry.
</li><li>Minimum masters degree preferably in statistics, mathematics, econometrics or any relevant major.</li><li>
Leadership skills.</li><li>
Good inter personal skills.</li></ul></div>

Credit Modeling Analyst

Sound Community Bank

POSITION DESCRIPTION The Senior Commercial Loan Officer is responsible for providing professional commercial lending services to existing and prospective bank clients. The Senior Commercial Loan Officer is expected to achieve their certain production and customer calling goals and properly manage their assigned loan portfolio. POSITION QUALIFICATIONS Bachelor&rsquo;s degree preferred, plus a minimum of 10+ years of progressively responsible Commercial Lending experience. Trustworthiness and sensitivity are essential. Skill competencies required include, but are not limited to: Ability to underwrite credit requests, determine appropriate loan structure and present proposed loan requests for approval Prepare professional Credit Write- Ups for review by Commercial Team Lead, Credit Administration and Loan Committee for approval Ability to assess and grade credit risk, debt service capacity and ratio analysis Good understanding of financial statements including balance sheets, income statements and statement of cash flows Excellent relationship building and interpersonal skills Strong customer focus Strong organizational and multi-tasking skills in a fast-paced environment Excellent verbal and written communication skills Excellent proofreading skills with a strong attention to detail Ability to work both independently and as a team player Practice flawless ethical behavior and understands the need for confidentiality Information Technology knowledge is a plus. Must have valid driver&rsquo;s license and access to an insured vehicle. Ensure compliance with regulatory requirements, including the Bank Secrecy Act. POSITION RESPONSIBILITIES Duties may include but are not limited to: Responsibility #1 Loan Production and Maintenance Originate, underwrite, and service a portfolio of commercial banking relationships and cross-sells other banking services when appropriate Monitor existing loan portfolios to maintain a high quality asset base and assist in collection of past due loans Negotiate renewals of credit facilities. Recommend approval of loan payments, construction draw requests, draws from lines of credit and funds transfers with specified limits Responsibility #2 Credit and Borrower Analysis Screen potential commercial borrowers by analyzing their business plan, strategies, and projections, as well as, historical financial statements and business results Meet with existing customers and prospects through various methods to discuss business needs and recommend ways in which the Bank can provide solutions Work with Credit Analysts to accurately review prospective borrower requests and coordinate processing of approved loans Test financial loan covenants and prepare annual term loan reviews Ensure all loan documents are correct, signed and recorded/perfected. Ensure all supporting documentation is complete and signed where necessary. Responsibility #3 New Business Development / Community Outreach Engage in business development activities and solicit new high quality loan and deposit business to achieve volume and/or production goal Represent SCB at various community functions and professional/civic groups to further enhance the Bank&rsquo;s image and visibility Responsibility #4 Continuing Education Update job knowledge by participating in educational opportunities, maintaining personal networks and participating in professional organizations. Other Duties as Assigned Each employee makes a significant contribution to the success of Sound Community Bank. Employees must have an overall understanding of department operations, and ensure compliance with regulatory requirements, including the Bank Secrecy Act. It is expected that each employee will readily accept additional duties and offer their services wherever and whenever necessary to ensure our success. Corporate Core Values Demonstrates behavior and actions which support Sound Community Bank&rsquo;s values and actively participates in volunteering. Our employees are our most important asset. Results matter. Community is our heart. Access and sustainability are critical. Compensation Salary is dependent on experience. $126,560.00 - $189,840 per year Health and Retirement Benefits Health, Dental, and Vision insurance plans for employee and dependents Employer-paid Group Life &amp; AD/D insurance Wellness Program discount towards medical insurance premiums, Employee Assistance Program 401(k) plan options with up to 3.5% employer match and Employee Stock Ownership Program (ESOP) Voluntary benefits include: Health Savings Account (HSA), Voluntary Life &amp; AD/D, Accident Plan, Critical Illness Coverage, Short-term Disability, Long-term Disability, Flexible Spending Account (FSA) and Dependent Care Account Time-off Benefits Two weeks Paid Vacation, Paid Employee Days for Birthday and Hire Date Anniversary, Paid Sick and Safe Time (7 days per year), Bank Paid Holidays (11 per calendar year) Other Benefits We also offer the following (some perimeters apply): Tenure Bonus Program, Continuing Education/Tuition Assistance &ndash; up to $2,500 per year, Student Loan Debt Repayment - up to $100 per month, ORCA Passport/Transportation Alternatives/Benefit Allowance, Charitable Donation Matching Program, Gym/Health monthly reimbursement, Pet Insurance monthly reimbursement, Employee mortgage and consumer loans, Banking services (of course!) free of normal service charges, Employee Recognition Program EEO is the Law Sound Community Bank is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability status, protected veteran status or any other characteristic protected by law. HOW TO APPLY Apply for the position by clicking on the Apply button or visit our Career Center for all open positions at https://www.soundcb.com/about-us/career-opportunities.html

SENIOR COMMERCIAL LOAN OFFICER

<div>Work Location:
Coral Gables, Florida, United States of America
Hours:
40
Pay Details:
$148,720 - $223,080 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line of Business:
Personal &amp; Commercial Banking
Job Description:
The Commercial Credit Manager is responsible for ensuring quality underwriting, compliance and credit monitoring within an assigned portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. This job manages the credit underwriting and credit administration functions within a Regional Market or Middle Market. The key accountabilities of this role are credit understanding and approval, people management, development and coaching of the credit analysts, and ensuring continued coaching in credit skills and capabilities development and career development for analysts. The Commercial Credit Manager manages a subset of credit analysts within a market, where teams are large enough to warrant the position. The Commercial Credit Manager works closely with the Credit Officer to ensure consistency with the TD Bank Groups Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships.
Depth &amp; Scope:
<ul><li>Manages preliminary research on potential customers to determine alignment with TD Bank products/structure while also assisting in assessments of credit needs and alignment with TD Credit Risk Appetite
</li><li>Attends site visits as needed or as requested
</li><li>Manages Credit Analysts in creation of preliminary spreads, cash flow, BRR, and term sheet used and assets on the decision to move forward with potential clients; Has oversight of Officer Analysis, input BRR, FRR, Covenant &amp; ARD
</li><li>Ensures that all staff are knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies &amp; procedures (including but not limited to: AML, Privacy, Firewalls, Systems &amp; Information Security, FCAC, etc) and ensures that all staff complete required compliance attestations/training within required timelines
</li><li>Manages all credit applications, ensuring they provide a high quality of risk assessment, credit structure analysis, due diligence, and credit presentation
</li><li>Ensures appropriate balance between customer risk and pricing
</li><li>Has joint signature approval on credits within delegated limits and makes recommendations on all others
</li><li>Ensures the overall portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures
</li><li>Interprets and applies TDs risk management strategy (both credit and operational)
</li><li>Implements and operates systems to identify and mitigate operational risk issues, including acting as the Units designated anti-money laundering officer
</li><li>Understands changing market conditions and remains knowledgeable of relevant industry issues
</li><li>Manages aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and assists in developing strategy if failures occur, completing monthly monitoring
</li>Leads a team of Analysts in monitoring loan covenants, loan delinquencies, and the annual review and renewal of existing credit relationships 
<li>
</li></ul> 
Education &amp; Experience:
<ul><li>Undergraduate degree in Accounting or Finance
</li><li>MBA preferred
</li><li>10+ years experience in related field
</li><li>Demonstrates credit underwriting and administration skills.
</li><li>Proven ability to identify and mitigate risk.
</li><li>In-depth understanding of value-add credit structuring in a commercial banking environment.
</li><li>Excellent communication skills with proven understanding of business acumen.
</li><li>Demonstrates interpersonal skills.
</li><li>Customer focused.
</li><li>Demonstrated planning and organizational skills.
</li></ul>Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
<ul><li>Domestic Travel &ndash; Occasional
</li><li>International Travel &ndash; Never
</li><li>Performing sedentary work &ndash; Continuous
</li><li>Performing multiple tasks &ndash; Continuous
</li><li>Operating standard office equipment - Continuous
</li><li>Responding quickly to sounds &ndash; Occasional
</li><li>Sitting &ndash; Continuous
</li><li>Standing &ndash; Occasional
</li><li>Walking &ndash; Occasional
</li><li>Moving safely in confined spaces &ndash; Occasional
</li><li>Lifting/Carrying (under 25 lbs.) &ndash; Occasional
</li><li>Lifting/Carrying (over 25 lbs.) &ndash; Never
</li><li>Squatting &ndash; Occasional
</li><li>Bending &ndash; Occasional
</li><li>Kneeling &ndash; Never
</li><li>Crawling &ndash; Never
</li><li>Climbing &ndash; Never
</li><li>Reaching overhead &ndash; Never
</li><li>Reaching forward &ndash; Occasional
</li><li>Pushing &ndash; Never
</li><li>Pulling &ndash; Never
</li><li>Twisting &ndash; Never
</li><li>Concentrating for long periods of time &ndash; Continuous
</li><li>Applying common sense to deal with problems involving standardized situations &ndash; Continuous
</li><li>Reading, writing and comprehending instructions &ndash; Continuous
</li><li>Adding, subtracting, multiplying and dividing &ndash; Continuous
</li></ul>The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities &amp; duties are considered essential functions for ADA purposes.
Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
Our Total Rewards Package 
 
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more
Additional Information:
 
We&rsquo;re delighted that you&rsquo;re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we&rsquo;re committed to providing the support our colleagues need to thrive both at work and at home.
 
 
Colleague Development
If you&rsquo;re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You&rsquo;ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. 
If you&rsquo;re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.
We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
Training &amp; Onboarding
 
We will provide training and onboarding sessions to ensure that you&rsquo;ve got everything you need to succeed in your new role.
 
 
Interview Process
 
We&rsquo;ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.</div>

Commercial Credit Mgr II - Regional Commercial Banking

ALKEGEN

<div>
 Job Requirements
 
 
 Alkegen brings together two of the world&rsquo;s leading specialty materials companies to create one new, innovation-driven leader focused on battery technologies, filtration media, and specialty insulation. Through global reach and breakthrough inventions, we&rsquo;re delivering products that enable the world to breathe easier, live greener, and go further than ever before.
 
 
 With over 60 manufacturing facilities with a global workforce of over 9,000 of the industry&rsquo;s most experienced talent, including insulation and filtration experts, Alkegen is uniquely positioned to help customers impact the environment in meaningful ways.
 
 
 The Commercial Finance analyst will be responsible for supporting the Pursuit team through rigorous financial modelling of RFQ&rsquo;s &amp; programs, pricing strategy &amp; governance and portfolio profitability analysis. This role will report directly to the Commercial Finance Leader.
 
 
 
 Work Schedule
 
 
 
 Requires in-office attendance four days per week Monday-Thursday, with Friday designated as work-from-home.
 
 
 
 Responsibilities
 
 
 
 <ul>
 <li>
 Pursuit/Program Management:
 </li>
 <ul>
 <li>
 Supports financial evaluation of customer quotes (RFQ) ensuring alignment with margin targets, return thresholds (ROI) and long-term value creation objectives
 </li>
 <li>
 Management of overall financial models including continuous improvement of model intelligence and any relative financial inputs
 </li>
 </ul>
 <li>
 Legacy:
 </li>
 <ul>
 <li>
 Management of profitability analyses set by commercial finance leader along with providing any insights and process improvements
 </li>
 <li>
 Management and monitoring of overall tariff volatility to pricing pass through impacts
 </li>
 <li>
 Consolidation and support of commercial forecast short to long term (3-month to multi-year forecasts)
 </li>
 </ul>
 <li>
 Overall partnering with the business leadership in regard to any commercial initiatives or analytics
 </li>
 <li>
 Management and monitoring of receivables to address DSO performance and past-due accounts with the commercial team to drive cash collections
 </li>
 <li>
 Coordinate with corporate FP&amp;A and Data transformation team to develop and manage our global commercial data warehouse &amp; reporting
 </li>
 <li>
 Responsible reporting and analyses set by Commercial Finance Leader of SG&amp;A spend for the direct commercial and marketing organization
 
 </li>
 </ul>
 
 Key Competencies
 
 
 
 <ul>
 <li>
 Is a consistent role model for the Alkegen Core Values
 </li>
 <li>
 Demonstrates excellent process management and change management skills
 </li>
 <li>
 Exemplifies a systems-thinking mindset being able to navigate complexity and understand secondary and tertiary financial impacts on decisions
 </li>
 <li>
 Strong financial acumen with proven advanced financial modelling capability and commercial judgement
 </li>
 <li>
 Develops relationships that enable effective leading, coaching, and development of team members
 </li>
 <li>
 Is a highly motivated problem solver able to balance priorities well under pressure
 </li>
 <li>
 Communicates clearly with all stakeholder groups; quickly builds trust, credibility and respect with senior leadership.
 </li>
 <li>
 Can translate complex financial analyses into clear decision framework for leadership to quickly assess
 
 
 </li>
 </ul>
 
 Qualifications &amp; Experience
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in finance or accounting required
 </li>
 <li>
 1-5 years of relevant FP&amp;A experience focused in a manufacturing setting
 </li>
 <li>
 Ability and excitement to navigate a complex, fast growing, global manufacturing and business environment
 </li>
 <li>
 Excellent organizational and analytical skills
 </li>
 <li>
 Strong interpersonal, written, and oral communication skills
 </li>
 <li>
 Extremely proficient with Microsoft Excel/PowerPoint
 
 
 </li>
 </ul>
 
 Salary Range: $62,000. to $78,000. USD
 
 
 
 Pay offered may vary depending on multiple individualized factors, including, job-related knowledge, skills, and experience. The total compensation package for this position may also include other elements dependent on the position offered. Details of participation in these benefit plans will be provided if an employee receives an offer of employment.
 
 
 At Alkegen, we strive every day to help people breathe easier, live greener, and go further than ever before. We believe that diversity and inclusion is central to this mission and to our impact. Our diverse and inclusive culture drives our growth &amp; innovation, and we nurture it by actively embracing our differences and using our varied perspectives to solve the complex challenges facing our changing and diverse world.
 
 
 Employment selection and related decisions are made without regard to sex, race, ethnicity, nation of origin, religion, color, gender identity and expression, age, disability, education, opinions, culture, languages spoken, veteran&rsquo;s status, or any other protected class.
</div>

Commercial Finance Analyst - Mobility

Worldpay

<div>Job Description
Job Posting Description
Are you ready to unleash your full potential? We&rsquo;re looking for people who are passionate about payments to chart Worldpay&rsquo;s path to being the largest and most-loved payments company in the world.
About The Team 
The U.S. Large Credit team works collaboratively with merchants, business development teams, relationship managers, transaction risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk. We are a dynamic and diverse team providing a significant positive impact for our stakeholders. 
 
What You Will Be Doing 
The primary responsibility of the Worldpay Credit team member is to review large credit risk exposure accounts with a focus on the merchant&rsquo;s credit fundamentals. Analysis is performed to ensure adequate financial strength in relation to the potential exposure generated from the payment processing relationship. As a team member, you will perform thorough financial analysis on prospective and current merchants, while collaborating with internal and external partners to mitigate and manage risk to Worldpay.<ul><li>
Obtains and reviews the financial statements of merchants</li><li>
Performs extensive analysis of financial statements and providing an assessment of their credit profile and making supportable recommendations for exposure</li><li>
Effectively evaluates complex business arrangements and structures; able to dive deep into the background and operations of a merchant.</li><li>
Recommend and establish appropriate credit limits and collateral to minimize and manage risk; Position may be granted credit authority</li><li>
Communicates effectively and professionally with internal and external clients</li><li>
Exercises sound judgment in assessing potential regulatory and reputational risks</li><li>
Monitors and communicates credit concerns to management</li><li>
Role is hybrid and requires 2-3 days in office</li></ul>
What you will bring:<ul><li>
Minimum of 5-8 years of experience analyzing and spreading financial statements, performing credit analysis and drafting credit memos</li><li>
Effective communication skills; attention to detail</li><li>
Strong judgment and decision-making skills</li><li>
Self-starter, able to work independently; possesses a strong sense of ownership</li><li>
Ability to creatively solve problems and achieve company objectives</li><li>
Time management skills with ability to multitask</li></ul>
Bonus if you have:<ul><li>
Knowledge of merchant acquiring services and the payment processing industry</li><li>
Degree in Finance, Accounting, or similar formal credit training</li></ul>
What We Offer You<ul><li>
A multifaceted role with a high degree of responsibility and a broad spectrum of opportunities for growth and development within a growing team.</li><li>
The opportunity to focus on a broad range of industries and financial topics.</li><li>
A work environment built on collaboration, flexibility and respect.</li><li>
A competitive salary and benefits designed to help support your lifestyle and well being</li></ul>
#LI-BJ1 

EEOC Statement
Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here.
If you are made a conditional offer of employment and will be working in the United States, you will be required to undergo a drug test. In developing this job description care was taken to include all competencies and requirements needed to successfully perform the position. Reasonable accommodations will be provided for individuals with qualified disabilities both during the hiring process, as well as to allow the individual to perform the essential functions of the job, if hired.</div>

Credit Analyst Senior - US Large Credit Risk / Merchant Underwriting

Crédit Agricole CIB

<div>
 
 
 Team and position
 
 
 
 
 
 
 Credit Agricole is among world top 10 banking groups. Our NY based Leveraged Finance team is directly responsible for origination and execution of LBOs with leading Private Equity Funds in North America, as well as financings for leveraged (non-investment grade) corporates, across loans and HY bonds. In addition, the team is also in charge of event driven financings (M&amp;A and IPO related) for Investment Grade clients, and of leveraged / structured financing transactions in the TMT sector, including the current wave of infrastructure flavored deals (towercos, data centers, fibercos, GPU Financings) with Infrastructure Funds, across North America and Latam. It is referred to internally as the &ldquo;LATFG&rdquo; team (Leveraged, Acquisition &amp; TMT Finance).
 
 
 
 
 
 Building on its recent successes, the team is expanding to support its strong growth ambitions. In order to address the increasing volumes of credit and reporting management work generated by our expanding loan portfolio, we are setting up a portfolio management (PFM) team.
 
 
 We are opening a Portfolio Management analyst position. The analyst will report to the Director in charge of Portfolio Management, with regular interaction with the origination part of LATFG team.
 
 
 
 
 
 
 Key Responsibilities
 
 
 
 
 
 
 1) Credit monitoring of our loan portfolio:
 
 
 Contribute to the ongoing credit monitoring work for part of the leveraged finance and TMT loan portfolio (current volume of about 75 deals): write up of annual reviews, credit papers in relation to
 
 
 waivers and amendments, quarterly write ups for distressed loans. In close coordination with
 
 
 respective deal/client teams.
 
 <ul>
 <li>
 Proactively flag to client teams any early warning signals of credit deterioration, concerns, or ideas for commercial opportunities
 </li>
 <li>
 Ensure timely propagation of internal risk rating decisions within the internal IT systems.
 </li>
 <li>
 Occasionally represent the team in the various credit committees (NY credit committee, CLF credit committee, CRC) and monitoring committees (Quarterly committees for underperforming loans or loans under watchlist &ldquo;SARs&rdquo; and &ldquo;SACs&rdquo;), underperforming or under watch loans
 </li>
 <li>
 Coordinate with CLF Loan Operations team to monitor evolution of the portfolio (increases or reductions via amortization, prepayments, secondary trades etc)
 </li>
 <li>
 Coordinate with CLF Loan Operations and respective deal/client teams to ensure authorizations recorded in internal systems are accurate and up to date.
 </li>
 <li>
 Maintain close coordination on all of the above tasks with respective LATFG client teams. Interact with clients whenever necessary to clarify credit related questions, in coordination with the LATFG client team.
 </li>
 <li>
 Review quarterly or annual information provided by client, connect to lender or investor calls organized by clients and relay summaries of meaningful information to LATFG team manager and respective LATFG client team.
 </li>
 <li>
 Depending on deal flow, there will also be occasional opportunities to get involved in live, new deals as part of the origination deal team.
 </li>
 </ul>
 
 
 
 
 2) Contribute to Internal and Regulatory Reporting:
 
 <ul>
 <li>
 Collect data and under PFM Director, assist with the regular requests for reporting from our
 </li>
 </ul>
 
 internal stakeholders (HO business line, COO teams, RPC): monthly anomaly reports, monthly
 
 
 LevFin excel pipeline, quarterly portfolio review files, &ldquo;deals world&rdquo; database for LBOs, etc
 
 <ul>
 <li>
 Contribute to recurring, ad hoc, and annual audits (NY annual and quarterly Compliance Loan Review, ad hoc NY portfolio reviews, Internal Audit &ldquo;Inspection Generale&rdquo;, add hoc CUSO reviews)
 </li>
 <li>
 Assist team manager and respective deal teams in ensuring that the CLF pipeline tool (&ldquo;Diamond&rdquo;) is up to date.
 </li>
 <li>
 Contribute to occasional ad hoc information requests when and as required
 </li>
 <li>
 Assist LATFG manager with periodic estimate of landing vs budget and other planning tasks
 </li>
 </ul>
 
 
 
 
 
 Candidate background / experience
 
 
 <ul>
 <li>
 Ideally 1-2 years experience in either a leveraged finance environment (portfolio management, credit analyst or origination and execution), or a credit risk / credit underwriting and monitoring function.
 </li>
 <li>
 Relevant academic background (BA/BS degree with economics/finance major coursework, ideally Master's degree &ndash; Msc Finance or MBA).
 </li>
 </ul>
 
 
 
 
 
 Skills
 
 
 <ul>
 <li>
 Strong quantitative and qualitative analytical skills
 </li>
 <li>
 Prior experience in financial analysis, cash flow modeling experience will be a plus
 </li>
 <li>
 Reliability, attention to detail and quality outputs,
 </li>
 <li>
 Good organizational skills: ability to keep track of deadlines, to organize its own work
 </li>
 <li>
 Good communication and interpersonal skills (ability to communicate seamlessly with various front office deal teams, and capacity to interact convincingly and forcefully with internal partners, in particular with risk &amp; senior representatives from business line or coverage)
 </li>
 <li>
 MS Office suite proficiency
 </li>
 <li>
 Fluency in a second language (in particular French, Portuguese, Spanish) is a plus.
 </li>
 </ul>
 
 
</div>

Leveraged, Acquisition & TMT Finance Americas – Portfolio Management - Analyst

Wells Fargo

<div>About this role:
Wells Fargo Commercial Banking Middle Market Group is seeking an Associate Relationship Manager (Commercial Banking Program Associate) to join the Banker Development Program.
The Banker Development Program is a two-year program designed to advance the careers of the next generation of bankers in Commercial Banking. The program provides sales skills and advances credit acumen necessary to meet our current and future business needs to excel in serving our prospects and clients. Associate Relationship Managers work alongside Senior Relationship Managers and engage in real client situations to support the growth of our business. Combination of formal training, on the job experience and professional support prepares participants for relationship management, sales or credit leadership roles within Commercial Banking. Learn more about the career areas and business divisions at www.wellsfargojobs.com.
Middle Market Banking provides comprehensive financial services to commercial customers primarily with annual sales from $25 million to $2 billion. With locations in the United States and Canada, we help customers grow, add jobs, and succeed.
In this role, you will:<ul><li>
Perform a variety of job assignments to develop key skills and gain a working knowledge of the organization</li><li>
Participate in developing, retaining, and growing low to moderately complex client relationships through the art of relationship management by understanding the needs and priorities of clients and financial decision makers</li><li>
Participate in the structuring, modification, and renewal of low to moderately complexity cash flow, real estate loans, and other industry-specific solutions within Commercial Banking by analyzing financials, presenting to clients, coordinating with internal stakeholders, and partnering with senior peers to execute complex transactions</li><li>
Review, understand, and participate in offering the full suite of solutions offered by Wells Fargo to commercial clients to meet low to moderately complex risk needs that may require an in-depth evaluation by engaging product organizations to develop client specific solutions and leveraging a solid understanding of clients&rsquo; businesses, strategic objectives, operational priorities, and financial positions</li><li>
Present recommendations for resolving low to moderately complex situations and exercise independent judgement while developing expertise in the relevant policies, procedures, and compliance requirements within the Commercial Banking Relationship Management group</li><li>
Collaborate and consult with peers, colleagues, and managers to resolve client issues while achieving business objectives, helping clients navigate Wells Fargo&rsquo;s processes, escalating client inquiries when needed, and identifying and recommending opportunities for process improvements and risk control enhancements</li><li>
Participate in relationship planning activities to deliver the full suite of solutions and maintain sales and pipeline disciplines by keeping information current in relevant systems</li><li>
Support business development in sourcing new Commercial Banking clients, by cultivating relationships through existing networks</li></ul>
Required Qualifications:<ul><li>
 2+ years of Commercial Banking Relationship Management or Credit Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education</li></ul>
Desired Qualifications:<ul><li>
Bachelor's degree in finance, accounting or related business degree</li><li>
Completion of Commercial Banking Financial Analyst Program</li><li>
Commercial account relationship management experience</li><li>
Intermediate knowledge and understanding of core banking products: deposits, commercial credit, and treasury</li><li>
Basic understanding of financial accounting</li><li>
Foundational ability to interpret financial statements, summarize findings and structure credit transactions</li><li>
Experience with underwriting moderately complex credit and debt structure</li><li>
Excellent verbal, written, and interpersonal communication skills</li><li>
Effective time management and organization skills</li><li>
Ability to work in a fast-paced deadline driven environment</li><li>
High level of initiative and accountability Proactive, persistent, organized, and results oriented</li><li>
Sound problem solving and decision-making skills</li><li>
Comprehensive knowledge and understanding of Risk Management</li><li>
Ability to represent Wells Fargo with confidence, positive energy, and clear communication in the marketplace</li><li>
Ability to build and maintain productive working relationships with internal partners</li><li>
Intermediate Microsoft Office skills</li></ul>
Job expectations:<ul><li>
Ability to attend 4 training sessions in Charlotte, NC during the 2-year program</li><li>
This position is not eligible for Visa sponsorship</li><li>
This position offers a hybrid work schedule; 4 days in office, one day remote</li><li>
Relocation assistance may be available for this program</li><li>
Ability to travel up to 10% of the time</li><li>
Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process</li></ul>
Location:<ul><li>
1021 E Cary St - Richmond, VA 23219</li><li>
4500 Main St - Virginia Beach, VA 23462</li><li>
10 S Jefferson St - Roanoke, VA 24011</li></ul>
Posting End Date:
15 Jun 2026<ul><li>Job posting may come down early due to volume of applicants.</li></ul>
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit&rsquo;s risk appetite and all risk and compliance program requirements.
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.
Drug and Alcohol Policy 
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.</div>

Associate Relationship Manager

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