commercial credit analyst

North American Banking Company

North American Banking Company has been serving Twin Cities communities since 1998, help us continue to build new and lasting personal and business relationships as a Commercial Credit Analyst in our Woodbury branch.Job ResponsibilitiesThis job supports our commercial and retail lending staff and is responsible for the following:&middot; Spread financial information and prepare cash flow analysis from financial statements and tax returns for businesses and individuals using Credit Quest spreadsheet software and MS Excel.&middot; Prepare and/or assists lenders with the preparation of timely annual credit reviews on credit customers. This primarily includes preparation of credit presentation data for annual reviews and new credit requests on existing borrowers based on previous presentations, information on ITI, existing loan documents, etc. Identifies key issues or questions on credit relationships and communicates these to the responsible lender.&middot; Upon request of lenders, contact borrowers to obtain financial information or answers to key questions or issues raised.&middot; Monitor and analyze borrowing base certificates, set up and monitor construction loan draw spreadsheets and prepares monthly report on borrowing base and construction loans outstanding.&middot; Assist with the maintenance of credit files in a neat and organized fashion.&middot; During process of annual review, audit loan file for proper collateral perfection, insurance, compliance with loan covenants, verify that the loan is set up on ITI correctly and ensure that approved loan terms are in the loan documents.&middot; Order real estate appraisals and send engagement letters to appraisers as requested by business and retail lenders.&middot; Review and recommend acceptance or rejection of residential real estate appraisals on a timely basis by completing the appraisal review checklist.&middot; Actively participates in bank sales promotions and development activities such as community organizations and special events sponsored by the bank.&middot; Performs other duties as assigned.Successful candidates will have:&middot; Bachelor&rsquo;s degree (B.A.) from four-year college or university; or three to five years related experience and/or training; or equivalent combination of education and experience.&middot; Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures or governmental regulations.&middot; Ability to write reports and business correspondence.&middot; Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public.&middot; Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra.&middot; Ability to apply common sense understanding to carry out instructions furnished in written, oral or diagram form.&middot; Ability to deal with problems involving several concrete variables in standardized situations.&middot; Knowledge of Microsoft Excel, Word, ITI Software, and Credit Quest spreadsheet software.&middot; Basic understanding of business financial statements and business and individual tax returns and how to construct cash flow models using this information.&middot; General knowledge of applicable bank compliance policies; Bank Secrecy Act, Regulation CC, Regulation E, Regulation DD, Regulation Z, RESPA, and HMDAWhat's important to us at North American Banking Company is a happy customer. To that end, when we look for a new employee, we're looking for honesty, creativity, integrity, and exceptional client service skills. If you fit that description, you've come to the right place. As a member of the North American Banking Company team, you will find a unique environment where employees are encouraged to express creativity, participate in decision-making processes, and develop skills. You will be rewarded for hard work and dedication. We offer an outstanding package of employer paid benefits.We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, creed, religion, national origin, sex, sexual orientation, disability, protected veterans, age, marital status, familial status or status with regard to public assistance, or any other characteristic protected by law. North American Banking Company encourages veterans, people with disabilities, and minorities to apply for employment.Job Type: Full-timePay: $29.00 - $34.00 per hourBenefits:<ul><li>401(k)</li><li>401(k) matching</li><li>Dental insurance</li><li>Health insurance</li><li>Life insurance</li><li>Paid time off</li></ul>Work Location: In person

Commercial Credit Analyst

Byline Bank

<div>About Byline Bank: 
Headquartered in Chicago, Byline Bank, a subsidiary of Byline Bancorp, Inc. (NYSE:BY), is a full-service commercial bank serving small- and medium-sized businesses, financial sponsors and consumers. Byline Bank has approximately $9.7 billion in assets and operates 45 branch locations throughout the Chicago and Milwaukee metropolitan areas. Byline Bank offers a broad range of commercial and community banking products and services, including small-ticket equipment leasing solutions, and is one of the top U.S. Small Business Administration (SBA) lenders according to the national SBA rankings by volume FY2024. Byline Bank is a member of FDIC and an Equal Housing Lender.
At Byline Bank, we take pride in being an award-winning workplace. Some of our recent recognitions include:<ul><li>
U.S. News &amp; World Report named Byline Bank as one of the Best Companies to Work for in the Midwest, Finance &amp; Overall in 2024-2025, 2025-2026.</li><li>
Chicago Sun Times Chicago&rsquo;s Best Workplaces 2024</li><li>
Best Workplaces in Illinois in 2024 by Best Companies Group and Illinois SHRM (Society for Human Resource Management)</li><li>
Forbes America&rsquo;s Best Small Employers 2023</li></ul>
By joining our team, you will become part of an organization that values growth, collaboration, and innovation. We strive to create an environment where employees feel supported and are empowered to excel in their roles. If you're looking for a career with a company that puts people first and makes a difference in the communities we serve, Byline Bank is the place for you.
Objective of Position:
The Credit Analyst I is responsible prepares prospective and current client credit files for review and approval upon receipt of a credit request/application.
Duties and Responsibilities:<ul><li>
Runs Credit Bureaus, Dun &amp; Bradstreet, and OFAC reports.</li><li>
Provides timely communications &amp; decisions making to sales reps/teams.</li><li>
Helps perform commercial credit analysis by reviewing items including, but not limited to credit reports, personal and business financial statements and tax returns, appraisals, property inspections and environmental reports to complete loan presentations for approval consideration by the appropriate approval authority.</li><li>
Helps prepare and analyzes spreads of a company&rsquo;s financial statements to determine overall credit strengths and weakness of potential commercial credit customers. Analysis includes, but is not limited to debt-service ratio, current assets ratio, leverage ratios, cash flow analysis, fixed charge coverage and acid test ratio.</li><li>
Research prospective clients, including but not limited to internet research, bank, and trade references.</li><li>
Independently review and decision client transactions that fall within the application only parameters.</li><li>
Prepares files that are being sold for syndication.</li><li>
Scans booked files and prepares final files.</li><li>
Updates credit on existing files.</li><li>
Prepares vendor files for review by manager.</li><li>
Assists other departments with their duties.</li><li>
Provides additional office support, including data entry, answering incoming calls, and filing.</li><li>
Assists with the preparation of the final funding reconciliation in Vendor Services.</li><li>
All other duties as assigned.</li></ul>
Note: Nothing in this job description restricts management&rsquo;s right to assign or reassign duties and responsibilities to this job at any time.
Qualifications:<ul><li>
High School Diploma or equivalent required. Bachelor&rsquo;s degree in Accounting or Finance preferred.</li><li>
2+ years of credit experience, ideally in a public company with at least 1,000 employees.</li><li>
2+ years of credit analyst experience.</li><li>
Ability to work collaboratively with a variety of stakeholders at all levels.</li><li>
Be self-motivated and an effective time and project manager with a strong attention to detail.</li><li>
Have strong change management, organizational and planning capabilities.</li><li>
Ability to identify, understand and define problems, evaluate alternatives, set priorities, manage projects and implement high quality solutions.</li><li>
Demonstrate strong organizational skills and analytical skills with the ability to directly manage and communicate multiple projects and priorities depending on organizational needs and strategies.</li><li>
Possess strong communication skills both verbally and in writing.</li><li>
Proficiency in MS Office Suite.</li></ul>
Physical Demands/Work Environment: 
Usual office environment with frequent sitting, walking, and standing, and occasional climbing, stooping, kneeling, crouching, crawling, and balancing. Frequent use of eye, hand, and finger coordination enabling the use of office equipment. Oral and auditory capacity enabling interpersonal communication as well as communication through automated devices.
At Byline Bank, we value work-life flexibility and support a hybrid work environment for this position. This role allows for a combination of remote and in-office work, with occasional visits to the office based on business needs. Specific in-office days may vary and will be discussed during the interview process.
Compensation &amp; Benefits: 
Byline Bank offers competitive industry rate salary bands with the goal of retaining and growing talented individuals. We regularly review and adjust our compensation structure as needed to ensure equity across teams and levels.
The salary range for this position is between $61,000 to $76,000.
In addition, Byline provides benefits including medical coverage, dental, vision, disability, 401k, paid time off and much more! Depending on the specific role, compensation may also include discretionary bonuses and other benefit programs. The actual compensation package may vary based on factors such as skill set, experience level, and candidate's location.
Additional Information: 
Byline Bank is an Equal Opportunity Employment / Affirmative Action employer dedicated to providing an inclusive workplace where the unique differences of our employees are welcomed, respected, and valued. We are committed to the principle of equal employment opportunity for all employees and to providing employees with a work environment free of discrimination and harassment.
All employment decisions at Byline Bank are based on business needs, job requirements and individual qualifications, without regard to race, color, religion or belief, national, social or ethnic origin, sex (including pregnancy), age, physical, mental or sensory disability, HIV Status, sexual orientation, gender identity and/or expression, marital, civil union or domestic partnership status, past or present military service, protected veteran status, family medical history or genetic information, family or parental status, or any other status protected by the laws or regulations in the locations where we operate. Byline Bank will not tolerate discrimination or harassment based on any of these characteristics.
Byline Bank is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance or accommodations due to a disability, please contact us directly at 773-475-2900, Option #2.
If applying within the US, this role is not eligible for visa sponsorship now or in the future.
Note to Recruitment Agencies and Third-Party Recruiters: 
Byline Bank kindly requests that third-party recruiters, staffing agencies, and recruitment firms refrain from submitting resumes or candidate profiles without a prior agreement in place. Any unsolicited submissions will be considered property of Byline Bank, and no fees will be paid for placements resulting from such submissions. We appreciate your understanding and cooperation.</div>

Credit Analyst I (Remote)

BankByChoice

Credit Analyst &ndash; SME Lending &amp; OperationsWe are seeking a detail-oriented and analytical Credit Analyst &ndash; SME Lending &amp; Operations to support end-to-end SME financing processes within a dynamic fintech environment. This role combines credit underwriting responsibilities with operational execution, ensuring efficient loan processing, accurate risk assessment, and seamless disbursement and servicing of SME loans in line with internal policies.Key Responsibilities - Credit Analysis &amp; Underwriting<ul><li>Review and assess SME loan applications</li><li>Perform detailed credit analysis and underwriting</li><li>Analyze financial statements, bank statements, and cash flows</li><li>Evaluate creditworthiness, risk levels, and repayment capacity</li><li>Approve or decline loan applications within assigned authority</li><li>Prepare credit notes and maintain proper credit documentation</li><li>Ensure compliance with internal credit policies and risk guidelines</li></ul>Loan Operations &amp; Processing<ul><li>Process approved SME loan disbursals</li><li>Manage loan documentation, verification, and onboarding</li><li>Maintain accurate loan records and operational data</li><li>Monitor loan processing workflows to ensure timely execution</li><li>Handle post-disbursement activities and loan servicing support</li><li>Assist in operational reporting and portfolio tracking</li></ul>Coordination &amp; Compliance<ul><li>Coordinate with credit, sales, and finance teams for smooth loan processing</li><li>Ensure adherence to internal operational procedures and policies</li><li>Support audits and compliance checks related to SME lending operations</li></ul>Qualifications<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, Business Administration, Economics, or related field</li><li>2&ndash;5 years of experience in SME lending, credit analysis, or loan operations</li><li>Strong knowledge of financial statement analysis and credit underwriting</li><li>Familiarity with loan processing, documentation, and disbursement procedures</li><li>Excellent analytical, organizational, and decision-making skills</li><li>High attention to detail and accuracy</li><li>Proficiency in Microsoft Excel and financial/operational systems</li></ul>What We Offer<ul><li>Competitive salary</li><li>Performance-based incentives</li><li>Career growth opportunities within a fast-growing fintech environment</li><li>Exposure to SME lending and credit underwriting</li><li>Paid annual leave and comprehensive company benefits</li></ul>Job Types: Full-time, PermanentWork Location: In person

Credit Analyst – SME Lending & Operations

JPMorganChase

<div>JOB DESCRIPTION 
Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo, and striving to be best-in-class.
As a Wholesale Credit Risk Product Owner - Analyst on the Wholesale Credit Risk team, you will serve as a Product Owner, playing a pivotal role in maintaining the strength and resilience of JPMorgan Chase. By clearly defining and communicating a compelling product vision and strategy that aligns with the company's overall goals you will use your expert judgment to address real-world challenges that affect our company, customers, and communities.
Job responsibilities<ul><li>
Gather clear requirements and write user stories/acceptance criteria.</li><li>
Collaborate with Subject Matter Experts and key stakeholders to understand use cases and pain points as well as trends in the marketplace.</li><li>
Integrate usability studies, research, and market analysis into product requirements and develop user journeys and other artifacts that help communicate, and rally support for, intuitive user experience which best meets the needs of the Product&rsquo;s users.</li><li>
Identify critical dependencies/issues and present recommendations for resolution.</li><li>
Provide product demos and conduct product review and feedback sessions with key stakeholders; ensure feedback is incorporated into the roadmap so deliverables meet business needs.</li><li>
Collaborate closely with the Product and Technology teams building the core components that enable critical underlying functionality of the Product.</li><li>
Ensure new features are implemented according to specifications, released on schedule, and issues are remediated in a timely manner.</li></ul>
Required qualifications, capabilities, and skills<ul><li>
Bachelor&rsquo;s Degree.</li><li>
Experience in the Financial Services or Fintech industry.</li><li>
Relevant work experience in Product Management/Development or related capacity.</li><li>
Strong, clear, and concise written and verbal communication with the ability to edit and prepare executive-level communications.</li><li>
Excellent organizational skills and attention to detail.</li><li>
Ability to manage competing priorities under tight deadlines.</li><li>
Proven ability to collaborate and build strong partnerships.</li><li>
Intellectual curiosity with a proven ability to learn quickly and a high degree of initiative, self-direction, and ability to work well under pressure.</li><li>
Advanced knowledge of the Product Development Lifecycle with proven ability to lead Product Lifecycle activities including discovery, ideation, strategic development, requirements definition, and go-to-market.</li><li>
Sound knowledge of technology architecture, APIs, design, and data analytics.</li></ul>
Preferred qualifications, capabilities, and skills<ul><li>
Experience within large Financial Services firms and basic level of domain knowledge in Credit Risk.</li><li>
Experience working with Technology and UX Design colleagues and discussing technical designs.</li><li>
Certified Agile Practitioner (CSP) or Certified Scrum Master (CSM).</li><li>
Coding language proficiency (SQL or Python)</li></ul>
ABOUT US 
<div>
<div>JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world&rsquo;s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
</div><div>We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
<div>We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants&rsquo; and employees&rsquo; religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase &amp; Co. is an Equal Opportunity Employer, including Disability/Veterans 
</div></div></div> 
 
ABOUT THE TEAM 
 
J.P. Morgan&rsquo;s Commercial &amp; Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial &amp; Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.</div>

Risk Management - Wholesale Credit Risk Product Owner - Analyst

United Bankers' Bank

<div>As a Commercial Loan Portfolio Manager at United Bankers' Bank, your analytical thinking, passion for finance, and talent for relationship building will support our dynamic lending team and play a critical role in ensuring the health of our loan portfolio, supervising the renewal cycle, providing strategic recommendations on risk ratings, and driving the success and growth within the UBB lending department 


The ideal candidate will be located in the Twin Cities and will have the option to work a hybrid schedule in the office 3 days per week, Tuesday &ndash; Thursday, after the initial training period. 

Essential Responsibilities
<ul><li>
Analyzes and underwrites Commercial customers and credit products that include Commercial Real Estate [CRE], Commercial and Industrial [C&amp;I] businesses, agriculture, bank holding companies and their subsidiary banks and individuals.</li><li>
Possesses considerable knowledge of Commercial credit policies, credit analysis, procedures and philosophy.</li><li>
Demonstrated financial and risk analysis skills.</li><li>
Has experience in structuring various types of Commercial credit and evaluating collateral with respect to value, marketability and control.</li><li>
Provides ongoing administration of an assigned loan portfolio including review of the financial and business status of the borrower and recommending risk rating changes when appropriate.</li><li>
Supervises the loan renewal cycle and works with the lender to facilitate credit approval and loan documentation as needed.
</li><li>Conducts annual reviews as part of ongoing portfolio monitoring.</li><li>
Resolves credit problems, delinquent payment issues and other related affairs.</li><li>
Monitors loan covenants to ensure compliance and follow-ups on any covenant violations.</li><li>
Develops strong relationships and ensures prompt communication with client banks and borrowers via written or verbal correspondence.
</li><li>Sends and tracks correspondence and follows up on loan requests in a timely manner.</li><li>
Verifies that loan bookings directly correlate with the terms of the approval.</li><li>
Assists Credit Administration management in preparing reports on loan portfolio metrics.
</li></ul>Knowledge, Skills &amp; Abilities
<ul><li> Bachelor&rsquo;s degree with formal credit training or MBA
</li></ul><ul><li> 5+ years of experience in Commercial underwriting and Credit Administration activities.
</li></ul><ul><li> Previous experience as a Portfolio Manager in a Commercial Banking setting preferred</li></ul>
<ul><li> Excellent verbal and written communication skills</li></ul>
<ul><li> Technical aptitude</li></ul>
<ul><li> Problem solving and presentation skills</li></ul> 


Benefits
<ul><li> Medical, Dental, and Vision</li></ul>
<ul><li> HSA with a generous company contribution</li></ul>
<ul><li> Medical and Dependent Care Flexible Spending Accounts</li></ul>
<ul><li> 401(k) plan with a 3% company contribution, plus up to an additional 1% match -Roth option available</li></ul>
<ul><li> 12 Paid holidays</li></ul>

To continue to learn more about our superior benefits package and apply for this position, please visit our Careers page at https://www.ubb.com/about-us/careers. 

Pay Range
<ul><li> $90,000.00 - $115,000.00 Salary; depending on education, qualifications, experience</li></ul>
<ul><li> Annual bonus target: 8% of annual pay dependent on company and personal performance
</li></ul>Headquartered in Richfield, MN and chartered in 1975, United Bankers&rsquo; Bank (UBB) is the nation&rsquo;s first bankers&rsquo; bank. Today, UBB has over $1 billion in assets, and is a trusted correspondent banking partner to over 1,000 community banks from the West Coast to the Great Lakes and South Atlantic. Our &ldquo;First for Your Success&rdquo; motto is a guiding principle that establishes the success of each and every customer and UBB employee as our number one priority. 

United Bankers&rsquo; Bank is an EEO/AA employer: All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, veteran status or any other characteristic protected by law.</div>

Commercial Loan Portfolio Manager

Citi

<div><div><div>Job Req Id:</div>
<div>26952575</div>
</div><div><div>Location(s):</div>
<div>Irving, Texas, United States</div>
</div><div><div>Job Type:</div>
<div>Hybrid</div>
</div><div><div>Posted:</div>
<div>Apr. 13, 2026</div></div></div>
 <div><h2 class="jobSectionHeader">Discover your future at Citi</h2>
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you&rsquo;ll have the opportunity to grow your career, give back to your community and make a real impact.
<h2 class="jobSectionHeader">Job Overview</h2>
Job Background/Context
Institutional Credit Management (ICM) is a critical component of Citi&rsquo;s First Line of defense for wholesale and counterparty credit risk (CCR) management. ICM works with Independent Risk teams to ensure best-in-class risk and controls, and client responsiveness. Key responsibilities of the group include credit analysis, documentation, risk identification, exposure monitoring and stress testing. ICM coordinates with credit management groups across Markets as well as Banking, Capital Markets and Advisory (BCMA) to ensure full alignment on business and regulatory goals, as well as consistency and best practices.
Within ICM Counterparty Credit Risk (CCR), ICM Funds Underwriting is a global team responsible for measuring, monitoring and controlling counterparty risk for Funds, covering Asset Management Companies, Investment Advisors as Agent, and Pension Funds.
Key Responsibilities:<ul><li>
Assess the credit and financial strength of Citi&rsquo;s Real Money Funds Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors</li><li>
Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi&rsquo;s Funds Counterparties 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 Underwriting Team Leads, 2LoD Risk Partners and BCMA partners</li><li>
Review and provide recommendation on the risk rating across the Funds sector</li><li>
Partner with regional and industry stakeholders in Underwriting, 2LoD, and BCMA in the implementation of credit assessment and monitoring standards for applicable portfolios</li><li>
Support ICG Risk Analysis Voice of the Employee (VOE) initiatives</li><li>
Travel (less than 10%)</li></ul>
Skills/Competencies:
Strategic orientation to ensure the ICM Underwriting organization continues to be positioned as a thoughtful and proactive partner on driving best practices to support safety and soundness within ICM and Citi<ul><li>
Fundamental analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.</li><li>
Demonstrates basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation.</li><li>
Displays basic industry research capabilities, including risk and key drivers.</li><li>
Basic understanding of Credit Policy and procedures; proactively refers to resources as needed.</li><li>
Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly.</li><li>
Been able to articulate orally and in written credit recommendations for decision making using judgement and knowledge from the credit analysis.</li><li>
Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more.</li><li>
Embraces the need for change and appreciates its benefits with natural curiosity.</li><li>
Demonstrates professionalism by being reliable, actively contributing in meetings, asking questions and challenging ideas</li><li>
Interpersonal skills, with the ability to build relationships.</li><li>
Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively.</li><li>
Strong 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><li>
Knowledge of Financial Modeling Concepts</li></ul>
Qualifications:
BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject
-
Job Family Group:
Risk Management
-
Job Family:
Credit Risk
-
Time Type:
Full time
-
Primary Location:
Irving Texas United States
-
Primary Location Full Time Salary Range:
$59,200.00 - $82,600.00 
In addition to salary, Citi&rsquo;s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental &amp; vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Anticipated Posting Close Date:
Apr 20, 2026
-
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 Underwriting Analyst

Paychex, Inc.

<div>About Us: Imagine Your Future with Us! Since 1971, Paychex has been at the forefront of simplifying HR, payroll, and benefits for American businesses. Our digital HR technology and advisory solutions cater to the changing needs of employers and their employees. With our award-winning training and endless opportunities for growth and development, you can build a lifelong career with us. We pride ourselves on fostering an inclusive and innovative culture. Our leaders are here to support your career journey; they and our dedicated employees embody the values that drive us to support each other, our clients, and our communities. Join us to pursue your passion and unleash your potential. Overview:
<div>
Monitor the performance of clients and end debtors while making recommendations and/or take actions to ensure the integrity of the collateral portfolio.</div>
Responsibilities:
<div>
Advance Partners, a Paychex-backed financial services firm founded in 1998 and based in Cleveland, OH, empowers staffing agencies with payroll funding, invoice factoring, back office support, and strategic services. Serving 600+ firms with nearly $8 billion annually, they offer flexible capital, compliance expertise, and growth-focused advisory tailored to the talent acquisition industry. For more information visit http://www.advancepartners.com</div><div></div><div> 
Please note: The person who fills this role will train/work in one of the local offices listed in the posting. After training they will be allowed to work a hybrid schedule of 3 days in the office and 2 days at home if desired.</div><div></div><div> 
The shift is Monday - Friday, approx. 8:00 am - 5:00 pm ET. (hours in other time zones may be adjusted)</div><div> 
</div><div>Applicants must be authorized to work for any employer in the US. Paychex is unable to sponsor or take over sponsorship of an employment Visa at this time. Candidates for this role may not be located in CA.</div><div></div><div> 
This position is available for US based applicants only.</div><ul><li>
Analyze client position and it's ability to handle the current obligation due Advance. This includes analysis of size of portfolio, concentration of portfolio, current liens and their affect on the portfolio, workers compensation status and it's affect on the portfolio.</li><li>
Research accounts receivable information for aging, concentration, and other issues as well as research end debtors for financial viability and credit worthiness based on financial information and credit information available.</li><li>
Review transactional information for anomalies that may affect Advance's position.</li><li>
Potential risk factors are identified promptly and communicated to appropriate teams in timely manner.</li><li>
Thorough and accurate research and reporting of all data.</li><li>
Prepare and present accurate reports regarding client base.</li><li>
Timely and accurate completion of tasks is maintained in organized, effective, and positive manner.</li><li>
Maintain open and professional relations with clients and debtors.</li><li>
All duties are implemented in a manner to support company policies and procedures and enhance teamwork.</li><li>
Other duties as assigned.</li></ul>
Qualifications:
<div><ul><li>Bachelor's Degree in Finance - Preferred</li><li>
Understanding of basic finance and credit practices. Requires ability to analyze data and understand business significance. Must be detail oriented, customer focused, proactive and able to work under pressure.</li><li>
Customer Service - Preferred</li><li>
Teamwork - Preferred</li><li>
Detail Oriented - Preferred</li><li>
Sales - Preferred</li><li>
Analytical Skills - Preferred</li><li>
Accounts Receivable - Preferred</li><li>
Accounting - Preferred</li><li>
Finance - Preferred</li><li>
Financial Statements - Preferred</li><li>
Working Capital - Preferred</li><li>
Underwriting - Preferred</li><li>
Credit Risk - Preferred</li><li>
Liens - Preferred</li><li>
Credit Management - Preferred</li><li>
Credit Underwriting - Preferred</li></ul></div>
Compensation: In the spirit of pay transparency, we are excited to share that the starting base pay range for this position is $42,407.77 - $66,640.77 annually. Please keep in mind that this range is the base pay only and does not consider other components that make up the total rewards package for the position. If you are hired at Paychex, your overall compensation will be determined based on factors such as geographic location, skills, education, and/or experience which may result in total compensation outside of this range. Live the Paychex Values:
<ul><li>Act with uncompromising integrity.</li></ul>
<ul><li>Provide outstanding service and build trusted relationships.</li></ul>
<ul><li>Drive innovation in our products and services and continually improve our processes.</li></ul>
<ul><li>Work in partnership and support each other.</li></ul>
<ul><li>Be personally accountable and deliver on commitments.</li></ul>
<ul><li>Treat each other with respect and dignity.</li></ul>
What's in it for you?:
<ul><li>We value your well-being: We provide over 21 comprehensive rewards, including medical coverage, virtual wellness classes, tuition reimbursement, 401(k) + employer match, adoption assistance, financial assistance, and much more.</li>
<li>We value your time: From paid time off to company holidays, culture days, and comprehensive work-life balance programs, we will ensure you have the flexibility you need to be your best.</li>
<li>We value your development: Our award-winning training and development programs empower our employees with ongoing learning opportunities to give you the building blocks to grow your career.</li>
<li>We value your perspective: Our company culture reflects the diversity of our employees. We want you to be you and your voice to be heard.</li>
<li>We value our communities: We offer paid time off for volunteerism and promote many company-wide and local initiatives that benefit organizations you care about.</li>
 
Note: The benefits described apply to full-time employees. Benefits for part-time, contract, and intern roles may vary. 
Not sure if you meet every requirement?: At Paychex, we know that great talent comes in many forms. If you're passionate about the role but don't check every box, we still encourage you to apply. You might be the right fit - either for this position or another opportunity with us. 
 
Paychex is an equal opportunity employer. We are committed to fostering a respectful and inclusive workplace where all individuals are treated fairly and evaluated based on their qualifications, experience, and merit. We comply with all applicable federal, state, and local laws prohibiting discrimination in employment.</ul></div>

Credit Analyst - Advance Partners

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