commercial credit officer

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

Global Credit Union

<div>Overview:

Reports to: Regional Vice President by location 
Functions Supervised: None 
Primary Functions: Identify opportunities for business growth, assist with creation of marketing strategies based on those opportunities, build and maintain business to business and community relationships in order to meet and exceed loan referral and deposit goals.<div></div><div> 
Duties and Responsibilities:</div><ul><li>
Promote BCS services to maintain and grow business member relationships through successful management of existing book of business, gaining new business members, and the overall portfolio growth of assigned region(s).</li><li>
Assist with BCS market plan within assigned region(s) to identify new opportunities, partnering with other lines of business to create mutually, successful referral opportunities.</li><li>
Partner with BCS lending sales teams to create contract-winning proposals for current and prospective business members.</li><li>
Be the point of contact for cash management referrals received from assigned branches as well provide training and support for the products.</li><li>
Build strong relationships within branch network and MSC for awareness of BCS products, services, and best practices for business member services.</li><li>
Lead BCS regional eﬀorts to expand brand presence and promotional activities within community and within the branch network</li><li>
Generate new leads as appropriate in assigned region(s) to ensure a robust pipeline of opportunities. Meet potential business members by growing, maintaining, and leveraging the network provided by the name brand and the Business and Commercial Lending sales team. Tracks member calls, referrals and sales activity, trends, and results.</li><li>
Act as a liaison with all current businesses, and merchants soliciting feedback, monitoring the quality of service being delivered and obtaining information on competing programs.</li><li>
Maintain thorough working knowledge of credit union and CUSO, products, services, pricing, and FOM requirements as they pertain to Business Development.</li><li>
Conduct annual relationship reviews on top business members.</li><li>
Meet or exceed the cross-sell goals that will be established for the job position.</li><li>
Track expenses and maintain the BCS marketing/business development assigned regional budget</li><li>
Perform other duties as assigned.</li></ul>
Qualifications:

Education: Bachelor's degree in Public Relations, Marketing, Business Administration, or related ﬁeld. 
Creditable Experience in Lieu of Education: Three years of business development, business to business sales, or direct marketing/sales experience<div> 
Experience/Skills: Excellent verbal and written communication skills, including facilitation of group presentations. Advanced knowledge of credit union services and beneﬁts preferred. Innovation and problem-solving skills that include the ability to develop and propose equipment-based solutions for members. Must be self-motivated and willing to work evenings and weekends. Ability to travel to meet clients, attend conferences and research new markets as needed. May be required to provide own transportation.</div><div></div> 
Tenure: Not Applicable
Compensation:
<div>
Starting base salary will be determined based on candidate experience, qualifications, education, and applicable local or state wage requirements, and will fall within the range provided below. In accordance with our Salary Administration policy, new hire base salaries generally fall between the minimum and midpoint of the listed range.</div>
Salary Pay Range: 08
: $79,989 - $132,798 annually Benefits:
<ul><li>Short-term and long-term incentives</li><li>
Comprehensive medical, dental and vision insurance plan that has HSA and FSA options</li><li>
401(k) plan with a 5% match</li><li>
Employee Assistance Program (EAP)</li><li>
Life and disability coverage</li><li>
Voluntary cash benefits for accident, hospitalization and critical illness</li><li>
Tuition Reimbursement</li><li>
Generous leave programs to include Paid Time Off accrual, Paid Sick Leave, Paid Holidays</li><li>
Click here to view Global&rsquo;s comprehensive Benefits Programs</li></ul><div>
Equal Opportunity Employer</div></div>

Commercial Banking Officer

EGBank

<div><div>Job Accountabilities
<div>
<ul><li>Work closely with the Business and Risk teams to allow them to touch various aspects of the credit portfolio, in addition to making recommendations for ways to limit risk and seize emerging opportunities</li></ul>
<ul><li>Analyze credit data and financial statements received before the Risk submission to identify the degree of risk involved in lending money or extending credit.</li></ul>
<ul><li>Determine the expected profitability of loans by analyzing a business's financial data received including quality of management, income growth, and market shares.</li></ul>
<ul><li>Communicate with the relevant stakeholder and clients to ensure the implementation of the client requests in a satisfactory manner</li></ul>
<ul><li>Monitor customers&rsquo; facilities and support packages to ensure adherence to the approved credit structure and conditions
</li></ul><ul><li>Ensure that utilization is within the pre-set purpose and conditions to minimize any risks towards the Bank.</li></ul>
<ul><li>Handle any possible fraud/risk cases seriously and report them to the direct supervisor for guidance and assistance to minimize any fraud / risk cases that might occur</li></ul>
<ul><li>Collaborate with sales force for all gathering assets and assist all cross-functional team to collaborate with portfolio management team.</li></ul>
<ul><li>Provides periodic reports and analysis to the SME Credit Underwriting Head in addition to tracking the product analysis, historical patterns and campaigns to continuously support revenue generating process</li></ul>
<ul><li>Collect and analyze the data of existing SMEs clients to prepare SBL top-up cases and credit packages along with potential clients in addition to conducting a periodic follow up on granted credit facilities and review its annual renewal procedures</li></ul>
<ul><li>Conduct periodic calls to ensure that the business exists and obtain all documents required for renewal or top-up and prepare calls&rsquo; reports accordingly</li></ul>
</div>
Qualifications and Experience:
<ul>
<li>Bachelor&rsquo;s degree of Commerce, Business administration, Economics, accounting or its equivalence.</li>
<li>Minimum 2 years of relevant experience &ndash; Credit Certified
</li></ul>Skills:
<ul>
<li>Good communication, negotiation and presentation skills</li>
<li>Good Problem solving and ability to work under pressure</li>
<li>Good basic use of Microsoft office
</li><li>Sales and target oriented</li>
<li>Strong knowledge of credit underwriting criteria &amp; risk analysis.</li>
<li>Full awareness of bank product, services, policies, rules &amp; regulation</li></ul></div></div>

SMEs Credit Enhancement Officer (3875)

KW Aviation Group

Renowned Online Airline looking for a highly motivated and detail-oriented Cargo Finance Officer to join our finance team in Karachi. The selected candidate will be responsible for managing cargo-related financial transactions, ensuring revenue accuracy, and supporting financial planning and reporting functions within the cargo division.Key Responsibilities<ul><li>Monitor and reconcile cargo revenue, ensuring accuracy in billing and invoicing.</li><li>Verify freight charges, surcharges, and other applicable fees in line with company tariffs.</li><li>Coordinate with cargo operations and sales teams to resolve billing discrepancies.</li><li>Prepare financial reports related to cargo performance, revenue, and cost analysis.</li><li>Assist in budgeting, forecasting, and financial planning for cargo operations.</li><li>Ensure compliance with internal financial controls and aviation industry standards.</li><li>Track outstanding receivables and follow up with agents and partners for timely recovery.</li><li>Support audits by providing necessary documentation and financial data.</li><li>Featured Job Description (Highlights)</li><li>Revenue Integrity Focus: Ensure accuracy and transparency in cargo financial transactions.</li><li>Analytical Role: Work with financial data to identify trends, discrepancies, and improvement areas.</li><li>Cross-Department Collaboration: Engage with cargo, sales, and operations teams.</li><li>Career Growth: Opportunity to build expertise in airline finance and cargo economics.</li><li>Dynamic Environment: Be part of a fast-paced, digitally driven airline operation.</li></ul>Eligibility Criteria<ul><li>Bachelor&rsquo;s degree in Finance, Accounting, Business Administration, or a related field.</li><li>2&ndash;4 years of relevant experience in finance, preferably in aviation, logistics, or freight forwarding.</li><li>Strong knowledge of financial reporting and reconciliation processes.</li><li>Proficiency in MS Excel and accounting software/ERP systems.</li><li>Good understanding of cargo billing and airline financial practices (preferred).</li><li>Strong attention to detail and analytical skills.</li><li>Preferred Skills</li><li>Knowledge of IATA cargo billing and settlement procedures.</li><li>Ability to handle large datasets with accuracy.</li><li>Strong communication and coordination abilities.</li><li>Problem-solving mindset with the ability to meet deadlines.</li></ul>We are an equal opportunity employer with no regard to Religion, Race or Gender. Preference will be given only on the basis of Qualification.Interested candidates are encouraged to submit their updated resume.Pay: From Rs70,000.00 per monthWork Location: In person

Cargo Finance Officer

Texas Heritage National Bank

<div>Description:

This position supports the credit administration function and assists in gathering and analyzing business and financial records and other information necessary to assess customer credit and risks in connection with primarily commercial loans. The Credit Analyst I assists in making determinations and recommendations on commercial credit decisions, credit risk, and loan requests through evaluation of financial statements, industry ratios, market risk, collateral, sensitivity analyses, and projections. The analyst works closely with loan officers, lending assistants, and other bank employees under the direction of the Director of Credit Administration and Senior Credit Analyst.
Duties/Responsibilities:<ul><li>
Analyzes the financial data of new and existing borrowers and prepares credit requests and reviews of existing credits.</li><li>
Provides general background of clients, transaction summary, projection modeling, loan covenant and condition compliance along with profitability, risk rating, relationship, and industry analyses.</li><li>
Assists in determining best loan structure for requests, helps to foresee future opportunities with clients, and provides credit recommendations.</li><li>
Assists in monitoring covenant and reporting compliance for assigned relationships, supports the preparation of annual reviews and renewals for existing borrowers, and communicates exceptions or deficiencies to the appropriate lending officer or credit administration staff.</li><li>
Works with loan officers, lending assistants, and loan operations staff to support file completeness and timely resolution of documentation requirements.</li><li>
Maintains working knowledge of applicable Bank lending policies, procedures, and regulatory guidelines.</li><li>
Provides strong and clear communication to co-workers, loan officers, and third parties.</li><li>
Adheres to all applicable internal policies and procedures and protects the confidentiality of borrower information.</li><li>
Follows BSA policies and procedures applicable to job functions.</li><li>
Performs additional duties as requested or assigned.</li></ul>
Requirements:

Required Skills/Abilities:<ul><li>
Working knowledge of basic accounting or financial principles; familiarity with credit/lending concepts is a plus.
</li><li>Demonstrates analytical, decision-making, and effective problem-solving skills.</li><li>
Strong attention to detail and accuracy.</li><li>
Demonstrates effective business writing along with excellent communication skills.</li><li>
Ability to work independently with minimal supervision and make sound judgments.</li><li>
Proficiency in Microsoft Office, including Excel and Word.</li></ul>
Education and Experience:<ul><li>
Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field required; candidates currently enrolled in a qualifying program will also be considered.</li><li>
One or more years of experience in banking or a related financial services environment desired; candidates with a relevant degree and limited prior experience, including those with experience in other roles in banking or related industries, will be considered.</li></ul>
Physical Requirements:
Prolonged periods of sitting at a desk and working on a computer.
Must be able to lift up to 15 pounds at times.</div>

Credit Analyst I

First National Bank

<div><h2 class="jobSectionHeader">Primary Office Location:
</h2>300 E. Lombard Street. Baltimore, Maryland. 21202.
<h2 class="jobSectionHeader">Join our team. Make a difference - for us and for your future.
</h2>Position Title: Commercial Banker 3
 
Business Unit: Commercial Banking
 
Reports To: Commercial Banking Team Leader
 
 
Position Overview:
 
This position is primarily responsible for developing new and existing commercial loan business relationships, administering a portfolio of commercial loans, determining the credit worthiness of borrowers, monitoring loan performance, preparing commercial loans for presentation and promoting the Bank&rsquo;s image in the community in order to meet or exceed commercial loan quality, profitability, growth and service objectives. The incumbent provides the highest quality of service to every customer.
 
 
Primary Responsibilities:
 
Develops new and existing commercial loan business relationships by calling on potential and existing customers to cross-sell all banking products including other banking services and to promote the Bank&rsquo;s image within limits of current budget and mix of products to develop new and expand existing commercial loan business and achieve profit and growth objectives. 
 
Administers a portfolio of commercial loans by preparing loans that meet credit quality, profitability, growth and service requirements as determined by portfolio yield, loss ratio, delinquency rate and other measures to achieve profit and growth objectives. 
 
Determines the credit worthiness of borrowers by making sound analysis of their financial condition, ability to repay the loan and the net realizable value of the collateral in accordance with established policy and procedure to ensure a portfolio of commercial loans that meet the Bank's quality standards. 
 
Monitors loan performance by maintaining contact with borrowers, monitoring the financial condition of borrowers and resolving problems and when appropriate waiving a request for financial statements according to established policies, procedures and regulations in an accurate and timely manner to reduce risk the Bank might incur from collateral deterioration or borrowers' inability to pay. 
 
Prepares loan documents that are in compliance with bank regulations for presentation, presents loans that are above the incumbent's lending limit to the loan committee or officer with higher lending limits communicating all elements of the loan to ensure compliance with regulations and to enhance the ability to make sound credit decisions. 
 
Promotes the Bank&rsquo;s image in the community by participating in community activities, coordinating community development efforts, promoting involvement and participation in community service organizations to assist in compliance with the Community Reinvestment Act, presents a favorable image in the community and establishes contacts that could generate new business. 
 
Develops and maintains an adequate level of knowledge in Commercial Banking, general banking and business development matters and demonstrates personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable degree of performance. 
 
Implements all compliance policies and procedures within the department and ensures the department staff receives adequate regulatory compliance training to perform job functions in compliance with regulatory requirements and standards, follows corporate Compliance policies and procedures and cooperates fully with all internal and external compliance reviews and examinations. 
 
Performs other related duties and projects as assigned. 
 
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation&rsquo;s risk management program.
 
 
F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
 
 
Minimum Education:
 
BA or BS
 
 
Minimum Years Experience:
 
10
 
 
Special Skills:
 
Excellent project management skills
 
Excellent communication skills, both written and verbal
 
Excellent customer service skills
 
Excellent organizational, analytical and interpersonal skills
 
Ability to use a personal computer and job-related software
 
MS Word - Intermediate Level
 
MS Excel - Intermediate Level
 
MS PowerPoint - Intermediate Level
 
Experience in a lending banking position and in an equivalent customer focused position.
Knowledge of banking laws and regulations.
Experience in community and civic activities.
 
 
Special Licenses and Certificates:
 
N/A
 
 
Physical Requirements:
 
N/A 
 
 
Compensation Grade:
EXT14 
 
Pay Range:
$125,320.00 - $208,858.00 
 
FNB&rsquo;s total rewards package may include other components such as: overtime, incentive, equity and benefits. Salary range is a guideline and is determined by a number of factors including education, experience, skills, internal equity and market conditions. We review pay regularly to ensure competitive and equitable pay. FNB offers a comprehensive benefits package including but not limited to, medical, dental, vision, life insurance, flexible spending accounts, health savings account, 401(k), paid time off, including sick time, vacation time, and paid holidays, and other voluntary benefits. 
 
Equal Employment Opportunity (EEO):
It is the policy of FNB not to discriminate against any employee or applicant for employment because of his or her race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, or status as a protected veteran. FNB provides all applicants and employees a discrimination and harassment free workplace.</div>

Commercial Banker

First Gulf Fin Commercial Broker

Walk-in Interview &ndash; Telecaller / Relationship Officer / Sales Officer (Credit Card Sales)We are hiring for Telecaller, Relationship Officer, and Sales Officer roles for Credit Card Sales. Candidates with strong communication skills and a sales-driven mindset are encouraged to apply.Job Responsibilities:<ul><li>Promote and sell credit card products to potential customers</li><li>Build and maintain customer relationships</li><li>Achieve assigned sales targets</li><li>Follow up with leads and maintain records</li></ul>Requirements:<ul><li>Good communication and convincing skills</li><li>Sales experience preferred (Freshers can apply)</li><li>Target-oriented mindset</li></ul>Salary: Fixed + performance-based incentives (salary based on target achievement)Walk-in Details:Date: 20/04/2026 - 25/04/2026Time: 10:30 AM - 03:30 PMLocation: 1505, Al Owais Business Tower, 64 Al Sabkha St - Al Sabkha - Deira - DubaiDocuments Required:Updated ResumeKYC DocumentsFor more details, contact: +971 567512751Pay: AED2,500.00 - AED3,500.00 per monthWork Location: In person

Relationship Officer

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