commercial credit specialist

First Federal Bank

<div>Core values speak to the heart of an organization and are the essence of a company&rsquo;s identity. Everything we do is centered around our community, customer service, our stability, and being trustworthy. These values support our mission and vision, shape our culture, and provide a foundation for the future.

 Offering a dynamic benefit package that includes but is not limited to:
<ul>
<li>Four Medical Plan Offerings to choose from</li>
<li>Employer HSA Contributions (Coverage/Plan exclusions)</li>
<li>Employer Provided Life Insurance Policy</li>
<li>Annual Health Incentive</li>
<li>Annual Wellness Reimbursement</li>
<li>Tuition Reimbursement program</li>
<li>Generous Match 401k Retirement Plan</li>
<li>Paid Sick Leave</li>
<li>Paid Vacation Leave</li>
<li>11 Paid Holidays based on the Federal Reserve Calendar</li>
</ul>
If you are ready to take on a challenging and rewarding role; we invite you to apply for this exciting opportunity.

ESSENTIAL FUNCTIONS:
<ul>
<li>Evaluate the creditworthiness of potential and existing clients by analyzing financial statements, credit reports and other relevant data.
</li><li>Completion of detailed credit memorandums reporting findings and summarizing financial analysis for new loans, renewals, reaffirmations, and/or modifications of existing loans.</li>
<li>Completion of annual reviews on existing relationships to evaluate any changes in credit risk while coordinating annual reviews with loan maturities.
</li><li>Coordinate Risk Rating and Policy Exception changes identified in the credit process.
</li><li>Stay updated on industry trends, economic conditions and regulatory changes that may impact credit risk and lending practices.</li>
<li>Coordinate packages for Loan Committee, Executive Loan Committee and Board Meeting presentations; work with Administrative Staff on agenda items.</li>
<li>Provide technical advice and assistance to loan officers/ lending assistants as needed.</li>
<li>Provides the best service to our customers with innovative and creative solutions.</li> 
</ul>
 JOB REQUIREMENTS:
<ul>
<li> Minimum of 3 years of experience as a Credit Analyst with experience in Commercial and Commercial Real Estate transactions.
</li>
<li> Bachelor&rsquo;s degree in finance, accounting, or business related major.
</li>
<li> Ability to work collaboratively with other financial professionals, including loan officers, to facilitate the credit approval process.
<ul><li>Strong decision-making skills to make credit recommendations or decisions based on sound financial analysis.</li></ul>
<ul><li>Extensive knowledge of financial institution policies and procedures.</li></ul>
<ul><li>Excellent written and verbal communication skills.</li></ul>
<ul><li>Strong financial analytical capabilities.</li></ul>
<ul><li>Strong attention to detail, ability to prioritize workload, meet deadlines, and deal tactfully with co-workers and customers.</li></ul>
<ul><li>Extended hours sitting and performing computer tasks may be required.</li></ul>
<ul><li>Employees confirm they are able to perform the essential functions of this position to continue employment with First Federal Bank.</li></ul>

EQUAL OPPORTUNITY EMPLOYER / VET / DISABILITY

E-Verify Employer</li></ul> 
 
 
 
 
Applicant Tracking Software by ExactHire: wrgx0v3l1xz7mndepz61</div>

Commercial Credit Analyst II

Bespoke Smart financial services

We are hiring a target-driven Marketing Specialist for our Bank Credit Card Sales team in Dubai. The ideal candidate will have strong banking sales experience and a proven ability to meet monthly targets.Key Responsibilities:<ul><li>Achieve 50+ credit card bookings per month</li><li>Promote and sell bank credit card products</li><li>Engage customers using a provided customer database</li><li>Maintain accurate sales records and reports</li><li>Ensure compliance with bank and regulatory guidelines</li></ul>Requirements:<ul><li>UAE banking experience is mandatory</li><li>Candidates with home country banking experience plus fresh UAE exposure are welcome</li><li>Strong communication and negotiation skills</li><li>Ability to work under targets and deadlines</li><li>Immediate joiners preferred</li></ul>Work Location: Dubai, UAEJob Type: Full-timePay: From AED3,000.00 per month

Marketing Specialist – Credit Card Sales

Informa

<div>Company Description 
At Informa Global Support, we&rsquo;re about connecting businesses and professionals with knowledge. From cutting-edge research to specialist digital demand, our reach is extensive. We&rsquo;re the power behind a range of fantastic brands such as FAN EXPO, Omdia, World of Concrete and many more. Through cutting edge research we&rsquo;re here to champion specialists by helping people learn more, know more and do more.
As those businesses grow and develop, so will the opportunities for you to grow and develop within Informa Global Support. We&rsquo;re passionate about building for the future - and want your future to be with us. Because we know you&rsquo;re hungry to expand your skills by embracing new experiences. And all the while you&rsquo;ll be supported by a community of talented and like-minded colleagues, where openness is encouraged and a can-do attitude is the norm. 
Job Description 
The Role:
The purpose of the role is to collect all monies owing to Informa within collections policies and procedures to ensure that collection targets are met and to also collect monies owing from customers who have exceeded credit limits or terms to minimize bad debts.
You must be able to maintain a caring, efficient, knowledgeable, and effective interface with customers and colleagues at all times, and resolve customer queries. 
and collect payments within credit terms whilst maintaining and enhancing hard-won customer relationships.
You must ensure that all company policies are adhered to and that specific duties are carried out within set time limits whilst providing excellent service to all Informa customers and colleagues.
The Credit Control Specialist is expected to assume the following key responsibilities plus any other reasonable duties as required:<ul><li>
Ensuring customer portal is highlighted to customers when contacted.</li><li>
Collecting all monies owing to Informa within credit control policies and procedures to ensure that collection targets are met.</li><li>
Collecting monies owed from customers who have exceeded credit limits or terms to minimize bad debts.</li><li>
Building close internal and external relationships with Sales and customers.</li><li>
Ensuring all customer contact notes are entered and updated into SAP or the appropriate system.</li><li>
Managing the outstanding sales balances falling due and contacting customers to obtain payment before the event start date if applicable to your division.</li><li>
Resolving queries in a timely fashion and collecting aged debt with a view to minimizing bad debt provision.</li><li>
Managing simple disputes and escalating complex disputes to the Team Leader.</li><li>
Achieving the monthly cash collection targets set for your specific section of accounts.</li><li>
Look after any unallocated cash items sitting on your set of accounts and work with the Cash Application team to have the monies applied if you are able to gain the appropriate backup from the customer.</li><li>
Providing weekly reports to the Business detailing current levels of debt if applicable for your division.</li><li>
Providing/completing necessary documentation to customers to ensure the payment can be processed (vendor request forms, W9, W8, residency forms, tax exempt certificates, withholding tax certificates, etc.)</li></ul> 

Qualifications 
<ul><li>
Good knowledge and understanding of customer operations processes.</li><li>
Strong problem-solving, prioritization, and organizational skills.</li><li>
Knowledge of best practice in customer service operations.</li><li>
Familiar with SAP modules.</li><li>
Bachelor&rsquo;s degree in business or accounting.</li></ul> 

Additional Information 
<ul><li>
Good communication skills with the ability to build good relationships with a wide range of stakeholders, internal departments, and key contacts.</li><li>
Strong working knowledge of Microsoft Office applications</li><li>
Knowledge and ability to use relevant internal systems.</li><li>
Ability to complete a variety of related tasks.</li><li>
Proactively solve problems.</li><li>
Excellent customer service skills.</li><li>
Good time management skills.</li><li>
Ability to be flexible within the role.</li><li>
Excellent oral and written communication skills.</li></ul></div>

Credit Control Specialist

Peoples Bank

<div>Build Your Future Here:
Thinking of changing jobs or starting your career at a growing company with an award-winning culture? Well, you are in the right place. Join us on our journey to being the Best Community Bank in America. Our motto is Working Together. Building Success. and by joining Peoples Bank, we will work together to help you achieve your career goals, just like we help thousands of clients reach their financial goals.
Peoples Bank is one of the largest 150 banks in the United States with 130 full-service bank branches in Ohio, West Virginia, Kentucky, Virginia, Washington D.C. and Maryland. We also have Specialty Finance offices in Minnesota, Missouri and Vermont. Peoples Bank prides itself as a community bank and dedicates its resources to improving our communities. The Peoples Bank Foundation has donated over $8 million to local organizations since its inception in 2003.
We are proud to share national accolades that celebrate our company culture and recognize us as a great place to bank:<ul><li>
American Banker Best Banks to Work For in 2021, 2022, 2023, and 2024</li><li>
Top Workplaces USA national award in 2022, 2023, 2024 and 2025</li><li>
Newsweek's America's Best Banks 2023 and 2024</li><li>
Newsweek&rsquo;s America's Greatest Workplaces 2024 and 2025</li><li>
Forbes America&rsquo;s Best Banks 2024 and 2025</li><li>
Forbes Best-in-State Banks 2020, 2021 and 2025</li><li>
TIME&rsquo;s America&rsquo;s Growth Leaders 2026 award winner</li></ul>
At Peoples Bank, we know that there is more to life than work. But we also understand that the quality of the work environment and employee benefits can greatly impact an associate's life. That's why we seek to create a great benefits package for our associates including: 401(k) retirement plan with an employer match, employee stock purchase plan, various education assistance programs such as student loan and tuition paydown/reimbursement, paid vacation, and holidays, and much more. For full details of our benefits offerings, please visit: peoplesbancorp.com/about-us/find-a-career/
Job Purpose:
Performs financial statement spreading and analysis, loan renewals and extensions, annual shelf reviews, collateral analysis, covenant testing and risk rating and loan coding validation with proper identification and evaluation of risks and mitigants. Complies with established processes, quality standards and responsiveness expectations.
Job Duties:<ul><li>
Spreads financial statements.</li><li>
Analyzes financial statements to identify credit risks including, but not limited to primary and secondary repayment sources evaluate repayment sources.</li><li>
Performs industry analysis to identify strengths and weaknesses as contributing factors to the credit worthiness of borrowers.</li><li>
Performs loan renewals, extensions, shelf reviews and covenant testing.</li><li>
Complies with established processes, quality standards and responsiveness expectations.</li><li>
Validates risk ratings and requests changes if warranted.</li><li>
Validates loan codes within loan packages to ensure accuracy.</li><li>
Builds out loan request details within loan origination system in conjunction with commercial banking portfolio managers.</li><li>
Participates in Pre-Flight discussions as deemed beneficial and memorializes takeaways.</li><li>
Adheres to bank&rsquo;s policies and procedures and complies with regulatory requirements.</li><li>
Will perform special projects as assigned.</li></ul>
Education, Job Skills and Qualifications:<ul><li>
Bachelor's degree required. Specialization in accounting, finance or economics preferred.</li><li>
Analytically minded - ability to evaluate financial statements, interpret results and reach conclusions.</li><li>
Strong verbal and written communication skills.</li><li>
Strong problem solving and conflict resolution skills.</li><li>
Strong interpersonal skills.</li><li>
Highly organized and attentive to detail.</li><li>
Proven ability to exercise discretion and sound judgment.</li><li>
Proven ability to effectively communicate viewpoint and make independent decisions.</li><li>
Ability to understand and apply bank&rsquo;s credit policy.</li><li>
Ability to understand and apply applicable banking laws, regulatory requirements and credit/risk management practices.</li><li>
Proficient with the Microsoft suite of products, especially excel.</li><li>
Some travel required; must have a valid driver's license for travel throughout Peoples Bank footprint of offices.</li></ul>
Basic Qualifications:<ul><li>
Bachelor's degree required. Specialization in accounting, finance or economics preferred.</li><li>
Some travel required; must have a valid driver's license for travel throughout Peoples Bank footprint of offices.</li></ul>
Equal Opportunity Employer M/F/Disabled/Vet; 
If you are unable to complete this application due to a disability, contact humanresources@pebo.com to ask for an accommodation, alternative application process, or other inquiries.</div>

Commercial Credit Analyst

HSBC

<div>Job Profile text:<div>
This role will support US coverage, therefore late shift timings will apply.</div>
The commercial card service specialist team is a ring-fenced team aimed at replicating the client experience provided by card service managers. Whilst these service managers will not be geographically located in the same country as the client, they will provide the client expected service by leveraging technology. These will be service oriented individuals with the right amount of card knowledge to be able to address the different complex card queries from clients. They will not have a client portfolio, however, will own the query that they pick up from the generic pooled mailbox.<div></div><div> 
The jobholder is primarily responsible for:</div><ul><li>
Ownership of card issues &ndash; Completely own card related issues. The service specialists will be the face of HSBC/GPS for card issues and liaise with the different departments where required. Card specialists will ensure constant updates and holding responses as appropriate.
</li><li>First Contact Resolution &ndash; Whilst there will be instances where card service specialists will have to coordinate with different teams, the endeavour will always be to drive first contact resolution, either through email and or where required via call/zoom.</li><li>
Creation of synergies between card operations, card service managers, client account manager, and contact centre.
</li><li>Compliment / support card service manager and client account manager &ndash; The card service specialist will be complimenting the CSS and CAMs for card related issues as appropriate.</li><li>
Connectivity &ndash; The jobholder will where possible engage the client through zoom video calls and not just through audio / emails.</li></ul> 
Control:
Card service specialists are accountable for setting the &lsquo;tone at the top&rsquo; which underpins the principles of a positive and effective internal control environment. They should exhibit leadership and direction to their teams for establishing and maintaining an effective work environment.<div> 
Conduct:</div><div>
Management of conduct is a critical component of all our business activities including, for example, the Group&rsquo;s strategy and business models, our culture and behaviors, our interaction with customers, our financial markets operations, and our governance and oversight processes. HSBC's approach to conduct is designed to ensure we deliver fair outcomes for our customers and do not disrupt the orderly and transparent operation of financial markets.</div><div></div><div> 
Focus on conduct is integral to HSBC&rsquo;s values and principles and supports the Group&rsquo;s strategy for sustainable growth and streamlining of business processes and procedures.</div><div> 
</div><div>HSBC has defined the Global Outcomes relating to Conduct which must be delivered by Global Lines of Business, HOST and the Global Functions. The 15 Global Outcomes are located within the document in this link:</div>
Global Risk FIM / Regulatory Compliance / B.25 Global Conduct Policy<div>
Whilst all 15 Global Outcomes apply across the organization, there are more dominant or relevant Outcomes which relate to specific roles. Below is an indicative guide to show which Outcomes are more likely to apply to this job description. This should be used as a guide only and all roles within the organization should adhere to the Outcomes and the local regulatory standards and requirements relating to the markets in which they operate.</div><div></div> 
Strategy &amp; Business Models<ul><li>
Rules under this category are not applicable to this job</li></ul> 
Culture &amp; Behaviors<ul><li>
Our culture supports our people and empowers them to consistently do the right thing for our customers and markets in which we operate</li><li>
Our people are competent and committed to the fair treatment of customers and not disrupting the integrity of markets</li><li>
We are open to challenge, we acknowledge when things go wrong, we fix things and we learn from our mistakes</li><li>
We reward and incentivise performance, behaviours and attitudes which deliver the fair treatment of customers and uphold market integrity</li></ul> 
Customer:<ul><li>
We know our customers and understand their needs-we actively listen to them and ask the right questions</li><li>
Our products and services provide a balanced exchange of value between HSBC and our customers</li><li>
Throughout our Sales and servicing we are efficient, transparent and customer focused</li></ul> 
Markets:<ul><li>
We seek to prevent and will proactively identify actions and behaviours that constitute market misconduct, and respond appropriately</li><li>
We manage conflicts of interest and appropriately handle information to reduce the opportunity for misuse</li></ul> 
Governance &amp; Oversight:<ul><li>
Our governance framework provides effective oversight of how we fairly treat customers and uphold market integrity</li><li>
Principal Accountabilities: key activities and decision-making areas</li></ul> 
Impact on the Business/Function:<ul><li>
Handle GPS GB and CMB (CIB) Card clients Program Admins, Treasurers, Finance Managers as one point contact for their Commercial Card queries / issues</li><li>
Contribute to the delivery of the key strategic initiatives set by Card Service leadership which will influence delivery of solutions to our customers across GBM and CMB</li><li>
Work in combination with other functions &ndash; Card Operations, Fraud Management, Country Teams, GPS Service Manager and Card Product Team to achieve end-to-end client fulfilment</li><li>
Facilitate the provision of technical guidance to clients for navigating e-Channels such as MiVision, Smart Data Gen, TSYS, Visa Interlink, etc</li></ul> 
Typical Targets and Measures:<ul><li>
Client satisfaction</li><li>
Resolution of client service issues</li><li>
High net promoter score</li><li>
Process improvements suggested and implemented</li></ul> 
Customers / Stakeholders:<ul><li>
Act as a Services champion (Subject Matter Expert) for the RMs, Sales Managers within CMB and GBM to structure the transactions and ensure and to provide service advisory solutions to the respective clients.</li><li>
Ensure positive client experiences through support, Card Solution advice and best practices in relation to GPS Commercial Cards.</li><li>
Ensure that GPS is responsive to the requirements and expectations of the Global Businesses with regard to service expectation on Commercial Cards.</li><li>
Deliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial markets</li><li>
Drive and maintain regular dialogue with Global Businesses to ensure alignment of objectives and effective communication of GPS Services initiatives.</li><li>
Manage commercial card process for clients to ensure positive client experience, accelerate revenue realization of won mandates, and improve transactional efficiency.</li><li>
Take ownership of clients&rsquo; cards service needs and deliver solutions aligned with client expectations which will help ensure retention of client&rsquo;s business</li><li>
Constantly meet or exceed global and local service standards for internal and external clients.</li><li>
Effectively manage and record all client complaints. Ensure proper escalation is done to GPS Card Business team</li></ul> 
Leadership &amp; Teamwork:<ul><li>
Exhibits behavior aligned to the overall HSBC vision, values and goals, and inspires and engages people to create an inclusive, high performing, customer-centered culture</li><li>
Works cohesively with Team members including Team leader to achieve positive outcomes for the clients.</li><li>
Shares best practices and learnings within the team and takes a hands on approach in coaching new or junior team members</li><li>
Demonstrate the highest level of professionalism and integrity, setting exemplary standards of conduct to all employees</li><li>
Foster a strong, collaborative culture and positive team dynamics consistent with Group values</li><li>
Continue to develop skills, seek explicit development opportunities personally to achieve the highest levels of industry professionalism</li></ul> 
Operational Effectiveness &amp; Control:<ul><li>
Maintain a robust and efficient control environment across GPS to ensure good operational, financial and project management and compliance with HSBC policy and procedures, together with early identification and effective resolution or escalation of issues that arise</li><li>
Exercise judgment to assess and mitigate financial, documentary, credit, regulatory and compliance risks.</li><li>
Compliance of group policies and regulatory requirements</li><li>
Ensure that each service specialists training assigned is completed as per the mandatory requirements</li><li>
Ensure client complaints are recorded, reviewed and resolved in accordance with global and or country complaints handling standards</li><li>
Continually identify and address root cause issues that impact service levels</li><li>
Adopt preventive measures to improve and protect service levels.</li></ul> 
Role Context:
Client experience is a significant differentiator within the transaction banking space. Across the different markets Commercial Cards are a key driver of fee income and our proposition provides a differentiator to open client discussions. There is an opportunity to build on this strength through a team of dedicated commercial cards team to support complex queries.
With card solutions becoming more complex, clients are seeking a service specialist who are able to own the problem from start to finish, and this is being viewed as an important component of the larger card solution itself. Whilst there are generic service managers, the objective of the commercial card service specialists is to act as a go in between, as well a dual owner, that is service ownership and issue ownership &ndash; them being the singe one point of contact for all things cards at a program admin, treasurer level.
The card service specialists aligning with Group strategy, creating synergy with other country teams, and closely interacting with various internal (GB &amp; CMB RMs, Card Operations, Service Managers, FCC, RC, Legal &amp; Tax, etc.) and external (GB &amp; CMB customers), global, regional and local stakeholders are important activities to be successful in the role.
While in the process of delivering to meet customers&rsquo; expectations, the person is required to ensure that the team operates within the parameters established by external regulators in the region and is also subject to internal Group parameters. Therefore, a broad knowledge of the business environment and the commercial card business in the middle east, as well as a strong working knowledge of HSBC's operations, systems, card products and services in the region is required. 
Major Challenges:
Enhance our global position as the leading international transactions bank by establishing a pioneer service culture in terms of industry best practices, undisputed leadership, and consultative solution delivery.
Given the existing competitive market landscape, the jobholder is required to keep up to date in terms of market trends, card products, and ever-changing customer&rsquo;s needs. In view of the dependency with different departments like card operations, fraud management, product, IT, it is expected the individual create a working relationship with these teams and will be required to demonstrate broad and effective stakeholder management across various parties. The job holder will pro-actively identify internal efficiency opportunities by initiating improvement process review, engaging the cross function / cross country teams with an aim to enhance customer experience, elevating customer recognition and satisfaction. 
Qualifications &amp; Experience:<ul><li>
Fairly good understanding of payments, and commercial cards</li><li>
A passion for serving clients and managing clients, front line client engagement experience</li><li>
Ability to own issues, to be able to be in front of a client (via Video) and take ownership</li><li>
High commitment to service excellence and client relationship management</li><li>
Strong knowledge of back end operational process</li><li>
Fluent English language command &ndash; speaking and writing</li><li>
Strong interpersonal, influencing and communication skills</li><li>
Minimum 2 &ndash; 3 years in front line service, complex query handling</li></ul></div>

Commercial Cards Services Specialist - US / or UK - GPS - CMO (Night and Overnight Coverage applies

Santander Holdings USA Inc

Corporate Credit Underwriting Associate - Securitized Lending / Residential Warehouse FinanceCountry: United States of AmericaYour Journey Starts Here:Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!The Difference You Make:Responsible for underwriting and pro-active portfolio management of a portfolio of RWF transactions. Reporting to the SPG Underwriting and Portfolio Management (U&PM) team Manager.Apply Bank's Credit policies and framework in support of risk management and business development.Build strong relationships throughout the Bank. The main partner is the Structure Product Group / RWF product team. Other relevant partners in the bank are Credit, Relationship, and Legal Partners. Support U&PM Manger on special projects.Responsibilities:<ul><li>Responsible for underwriting new RWF transactions to assist in the growth of the RWF portfolio.</li><li>Responsible for the quality, integrity and soundness of all credit analysis and underwriting, and proposing appropriate risk ratings in accordance with the Bank's credit policies and guidelines.</li><li>Responsible for making recommendations on renewals, modifications, and new transactions.</li><li>Maintain credit files in accordance with policy.</li><li>Manage credit approval process. Prepare presentations for credit committees. Respond to questions as they arise.</li><li>Work closely with and support product team in transaction execution. Coordinate with the corporate credit team and RM on relationship implications for RWF deals.</li><li>Review and validate cash flow models for new transactions and perform stress test analysis.</li><li>Have thorough knowledge of credit policies and procedures and ensure adherence to them. Proactively propose amendments to RWF policy to improve efficiency while remaining compliant with the wider bank policy.</li><li>Ensure regulatory and legal compliance is achieved on RWF transactions.</li><li>Perform ongoing portfolio monitoring of RWF transaction performance (including performance triggers) to identify and anticipate credit issues in a timely fashion. </li><li>Stay current on industry developments, update management as necessary, and propose rating changes when necessary to appropriately reflect credit quality of RWF transactions in the portfolio at all times.</li><li>Support RWF Manager on special projects.</li></ul>What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Qualifications/Education<ul><li>Bachelor's degree in Business Administration, Accounting, Finance, Economics or equivalent work experience. Quantitative background is a plus.</li><li>2 to 6 years' experience.</li></ul>Specialized Knowledge/Technical Skills<ul><li>Strong technical and analytical skills.</li><li>Strong attention to detail and organizational skills.</li><li>Knowledge of applicable laws and industry data sources.</li><li>Demonstrated experience working with multiple asset classes.</li><li>Deep knowledge of RWF cash flow models.</li><li>Understanding of legal documentation for ABS transactions.</li><li>Completion of a formal credit training program would be a plus.</li><li>Demonstrated track record of managing and leading transactions, within a team environment to manage, monitor and grow portfolio.</li><li>Ability to work well with others at all levels of the organization to obtain cooperation and to foster a business environment that is based upon mutual respect and teamwork.</li><li>Ability to work independently as needed to achieve objectives.</li><li>Knowledge of credit policies, procedures, regulations and applicable law.</li><li>Excellent written/verbal communication and interpersonal skills.</li><li>Proficiency in Microsoft software package, Word, Powerpoint, Excel & Outlook.</li><li>Programing skills would be a highly values plus.</li></ul>Certifications:<ul><li>Other: Completion of bank-certified course in Credit Training - Preferred.</li></ul>It Would Be Nice For You To Have:<ul><li>Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.</li><li>Experience in Microsoft Office products.</li></ul> What Else You Need To Know :The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range Minimum: $108,750.00 USD Maximum: $175,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander 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, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions : Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required . Employer Rights:This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next :If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at to discuss your needs. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A.

Corporate Credit Underwriting Associate - Securitized Lending / Residential Warehouse Finance

Bel Group

<div>Job Purpose 
The Senior OTC Operations Specialist is responsible for the operation of end-to-end Order-to-Cash cycle, ensuring accuracy, efficiency, and compliance across all processes. This role drives operational excellence, manages stakeholder relationships, and leads continuous improvement initiatives to optimize cash flow and customer satisfaction. 
 
ROLE PROFILE
<ul>
<li>Responsible for the entire invoice to cash process, billing, collections, disputes, and payment reconciliations.</li>
<li>Prepare AR Aging report and ensure timely follow-up on overdue invoices.</li>
<li>Monitor KPIs and implement corrective actions to meet our objectives.</li>
<li>Responsible for the implementation of IFRS 9 in the OTC process</li>
<li>Review commercial discounts &amp; finalize accruals process.
</li><li>Month-end AR closing activities including reconciliation of customer accounts</li>
<li>Customers credit notes cycle.</li>
<li>Maintain strong relationships with internal and external stakeholders.</li>
<li>Ensure adherence to internal controls &amp; our global SOP.</li>
<li>Ensure that the customers payment terms is maintained according to their contract</li>
<li>Identify risks to align with credit manager &amp; determine balances legible for write off.</li>
<li>Fulfill any audit requirements related to OTC.</li>
<li>Explore innovative solutions and automation opportunities.</li>
</ul>
Requirements
<ul>
<li>Bachelor&rsquo;s degree in Finance, Accounting, or Business Administration.</li>
<li>5-7 years of experience in O2C or relevant finance functions in multinational company.</li>
<li>SAP strong knowledge</li>
<li>Knowledge of internal control frameworks.</li>
<li>Excellent team management and communication skills.</li>
<li>Power BI experience is a plus</li></ul></div>

Chief Accountant, OTC

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