credit analyst

Irving Fund

<div>
 <p>
  <strong>
   Company Description
  </strong>
 </p>
 <p>
  Founded in 2016, Irving Fund is a leading facilitator of Credit Based SBA 7(a) Loans and Revolving Credit Facilities. Irving Fund has facilitated over $1 billion in SBA 7(a), Credit Lines, and non-bank term loans, streamlining the lending process for banks and partners.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Credit Analyst &ndash; Hybrid (4 Days In-Office, 1 Days Remote) | Full Benefits
  </strong>
 </p>
 <p>
  We are seeking a
  <strong>
   Credit Analyst
  </strong>
  to join our growing team. This
  <strong>
   hybrid role (4 days in-office, 1 days remote)
  </strong>
  combines
  <strong>
   financial analysis
  </strong>
  with
  <strong>
   customer interaction
  </strong>
  , making it ideal for professionals who excel in both
  <strong>
   data-driven decision-making
  </strong>
  and
  <strong>
   client communication
  </strong>
  .
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Key Responsibilities:
  </strong>
 </p>
 <ul>
  <li>
   Analyze financial statements and credit profiles to assess risk and determine eligibility for small business financing.
  </li>
  <li>
   Communicate directly with business owners to gather necessary information and provide guidance throughout the funding process.
  </li>
  <li>
   Collaborate with the sales and underwriting teams to structure financing solutions that align with company policies and risk guidelines.
  </li>
 </ul>
 <p>
  <strong>
   Qualifications:
  </strong>
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s degree in
   <strong>
    Finance, Business, Economics,
   </strong>
   or a related field.
  </li>
  <li>
   Strong
   <strong>
    analytical skills
   </strong>
   with the ability to assess financial data and risk factors.
  </li>
  <li>
   Excellent
   <strong>
    communication and interpersonal skills
   </strong>
   to interact with business owners and internal teams.
  </li>
  <li>
   Ability to work in a
   <strong>
    fast-paced environment
   </strong>
   and manage multiple tasks efficiently.
  </li>
  <li>
   Prior experience in roles requiring
   <strong>
    financial analysis, problem-solving, or client interaction
   </strong>
   is a plus.
  </li>
 </ul>
 <p>
  <strong>
   What We Offer:
  </strong>
 </p>
 <ul>
  <li>
   <strong>
    Hybrid Work Schedule
   </strong>
   &ndash; 4 days in-office, 1 days remote.
  </li>
  <li>
   <strong>
    Comprehensive Benefits Package
   </strong>
   &ndash; Health, dental, vision,
   <strong>
    401(k)
   </strong>
   , and more.
  </li>
  <li>
   <strong>
    Professional Growth
   </strong>
   &ndash; Opportunities for advancement within a growing organization.
  </li>
  <li>
   <strong>
    Competitive Compensation
   </strong>
   &ndash; Salary plus potential performance-based incentives.
  </li>
 </ul>
 <p>
  If you are looking for an opportunity to leverage your
  <strong>
   financial expertise
  </strong>
  while engaging directly with business owners, we encourage you to apply.
 </p>
 <p>
  <strong>
   Apply now to join our team!
  </strong>
 </p>
</div>


Credit Analyst

Ives Bank

<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p>The <b>Senior</b> <b>Commercial Credit Analyst</b> is responsible for successfully evaluating the financial condition of commercial borrowers, underwriting loan requests and preparing a timely and high-quality credit approval memorandum, adhering to the Bank's credit policies and procedures.</p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div><p></p><p><b><br>
Key Responsibilities:</b></p><div><ul><li>
Analyze financial information of prospective and existing borrowers and underwrite commercial loans in conformance with Loan Policy, including loan renewals, loan modifications and Loan Reviews</li><li>
Spread and analyze financial information, and develop cash flows of prospective and existing borrowers</li><li>
Prepare credit approval memorandums, review all pertinent credit and financial information, including but not limited to financial statements, tax returns, collateral, cash flow, due diligence reports, credit bureaus, appraisals, industry research, peer data, and other appropriate information of borrowers and guarantors, assessing credit risk, if credit-worthy, underwriting in conformance with Loan Policy and presenting loan requests to appropriate loan authority level</li><li>
Analyze financial information and related materials and complete the credit analyses for the Bank&rsquo;s commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals</li><li>
Analyze and make recommendations to management regarding credit issues</li><li>
Work directly with Commercial Lending Officers to obtain all necessary information needed to underwrite loan requests</li><li>
Prepare Quarterly Reporting and Action Plans</li><li>
Communicate with borrowers, accountants, management and bank staff as needed for credit investigations</li><li>
Is aware of and complies with CRA/HMDA Guidelines/Flood Insurance/Appraisal Regulations and adheres to Bank policies and procedures</li><li>
Perform other duties as required</li></ul></div><p></p><p><b><br>
Educational and Experience requirements include:</b></p><div><ul><li>
A bachelor&rsquo;s degree is required preferably in Accounting, Finance or Economics with ancillary banking education preferred</li><li>
Minimum 5 years of related commercial underwriting experience. Experience in special assets is a plus</li><li>
Knowledge of financial statement fundamentals, accounting concepts, and financial statement analysis required</li></ul></div><div><ul><li>
Proficiency in Microsoft Office</li><li>
Excellent written and verbal communication skills</li><li>
Critical thinking and evaluation skills</li><li>
The ability to work well with others but can also work independently</li></ul><p></p><p><b><br>
Physical Demands and Work Environment</b></p><p>
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</p></div></div></div></div></div></div><br>
Monday-Friday</div>

Senior Commercial Credit Analyst

KeyBank

<div><p><b>Location:</b></p>
4224 Ridge Lea Road, Amherst New York<p></p><p><b>
ABOUT THE JOB (JOB BRIEF)</b></p><p>
Credit Portfolio Analysts serve as portfolio monitoring managers of Key Community Bank&rsquo;s Small Business Commercial portfolio. They are responsible for the development and execution of portfolio management strategies to maintain asset quality while ensuring compliance with credit policy and guidelines. They gather and analyze various pieces of credit information to monitor approvals and declinations decisioned by the underwriting team, drive workflow, and proactively take the necessary actions.
</p><p></p><p><b>ESSENTIAL JOB FUNCTIONS</b></p><ul><li>
Ability to analyze credit data including underwriting decisions, document and communicate findings providing relative guidance.</li><li>
Monitor various queues related to portfolio activities.</li><li>
Perform critical post approval/booking certification functions to maintain data integrity and quality by assessing critical data elements (i.e. Customer and facility risk ratings, proper Probability of Default and Loss Given Default, citing of credit policy exceptions, compliance around restricted industries, etc.) and make determination as to compliance with underwriting guidelines and credit policy.</li><li>
Closely monitor all asset quality measures including performance against tolerances.</li><li>
Periodic assignments related to the constantly changing risk management environments using knowledge of commercial loan systems, data elements and policy/procedures.</li><li>
Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice<br>
Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key&rsquo;s clients and Key.</li></ul><p></p><p><b>
REQUIRED QUALIFICATIONS</b></p><ul><li>
Bachelor&rsquo;s Degree with a preferred focus on Business course work, or equivalent work experience.</li><li>
Satisfactory understanding and knowledge of commercial credit policies, procedures, and loan systems (preferred)</li><li>
Familiarity with, and understanding of, commercial credit underwriting/approval methodologies and their use (preferred)</li><li>
Ability to work well individually as well as part of a team.</li><li>
Accomplished self-starter and well-organized in thought and action.</li><li>
Possess a process improvement mindset.</li><li>
Strong organizational skills, ability to set priorities in a multitask environment.</li><li>
Satisfactory knowledge and proficiency in working with personal computers and business software (e.g. Microsoft Office - Word, Excel, Access and PowerPoint).</li><li>
Commitment to core values; Teamwork, Respect, Accountability, Integrity, Leadership</li></ul><p><b><br>
Core Competencies</b></p><ul><li>
All KeyBank employees are expected to demonstrate Key&rsquo;s Values and abide by Key&rsquo;s Code of Conduct.</li></ul><p><b><br>
Physical Demands</b></p><ul><li>
General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.</li></ul><p><b><br>
Work Location Category</b></p><ul><li>
Hybrid- 3+ days in office. Preferred location is Amherst, NY however will consider applicants local to Brooklyn, OH.</li></ul><p></p><p>
COMPENSATION AND BENEFITS</p>
This position is eligible to earn a base salary in the range of $52,000.00 - $80,000.00 annually. Placement within the pay range may differ based upon various factors, including but not limited to skills, experience and geographic location. Compensation for this role also includes eligibility for incentive compensation which may include production, commission, and/or discretionary incentives.<p></p><p>
Please click here for a list of benefits for which this position is eligible.</p><p></p><p>
Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.</p><p></p>
Job Posting Expiration Date: 08/06/2026 KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law.<p></p><p>
Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.</p><br>
<p></p>
#LI-Hybrid</div>

Credit Analyst (Small Business Credit Underwriting Quality Assurance Team)

A Company in Oxnard, CA

<p><b>ABOUT AG RX</b></p><p>AG RX is a leading agricultural services company dedicated to helping growers maximize crop health and productivity through innovative crop protection solutions, professional application services, and exceptional customer support. With locations throughout California, we are committed to safety, integrity, operational excellence, and delivering quality service to our customers.</p><p>As an Employee Stock Ownership Plan (ESOP) company, our employees are more than team members&mdash;they are employee-owners who share in the success of our company. We foster a collaborative work environment where employees are empowered to grow professionally, contribute new ideas, and make a meaningful impact every day.</p><p><b>Job Overview</b></p><p>We are seeking a highly analytical and detail-oriented <b>Accounts Receivable / Credit Risk Analyst</b> to join our Accounting team. Under the direction of the Accounting Manager, this hybrid role supports accounts receivable processes while evaluating customer credit risk and assisting with credit decision-making. The successful candidate will collect and analyze financial information, assess creditworthiness, monitor customer accounts, prepare credit reports, and support recommendations related to credit limits and payment terms. This position requires strong analytical skills, attention to detail, and the ability to collaborate effectively with internal teams and customers in a fast-paced environment.</p><p><b>ESSENTIAL DUTIES AND RESPONSIBILITIES</b></p><ul><li>Prepares, posts, verifies, and records customer payments and accounts receivable transactions.</li><li>Creates and submits customer invoices in accordance with company procedures.</li><li>Maintains and updates customer account information.</li><li>Monitors customer accounts, researches discrepancies, and resolves billing issues.</li><li>Contacts customers regarding past-due accounts and follows up on collection efforts.</li><li>Gathers, analyzes, and evaluates financial information to determine the creditworthiness of new and existing credit applicants.</li><li>Performs cash flow analysis and calculates financial ratios to assess credit risk.</li><li>Recommends credit decisions, including new accounts, credit limit increases, and extensions of existing credit lines.</li><li>Enters, updates, and maintains credit application and customer account information.</li><li>Collaborates with the Accounting Manager to reconcile accounts receivable and revenue accounts.</li><li>Assists in preparing monthly billing statements and financial reports.</li><li>Ensures compliance with company credit policies and applicable procedures.</li><li>Responds to inquiries from customers, lenders, and internal departments.</li><li>Assists with internal and external audits by providing requested documentation and supporting records.</li><li>Performs other related duties as assigned.</li></ul><p><b>QUALIFICATIONS</b></p><p><b>Education</b>&ndash; Associate&rsquo;s degree in accounting required; Certified Credit Risk Analyst Certification, or Bachelor&rsquo;s degree in Accounting preferred.</p><p><b>Experience</b> &ndash; Minimum of five (5) years of progressively responsible experience in accounts receivable, credit and collections, credit analysis, or general accounting required</p><p><b>REQUIRED SKILLS/ABILITIES </b></p><ul><li>Strong analytical, problem-solving, and critical thinking skills.</li><li>Excellent verbal and written communication skills.</li><li>Strong organizational skills with exceptional attention to detail and accuracy.</li><li>Effective time management skills with the ability to prioritize multiple tasks and meet deadlines.</li><li>Ability to work independently while contributing effectively as part of a team.</li><li>Ability to exercise sound judgment, maintain professionalism, and handle confidential information with discretion.</li><li>Demonstrated initiative with the ability to anticipate work needs and identify process improvements.</li><li>Strong customer service skills with the ability to build and maintain positive working relationships.</li><li>Advanced computer skills with experience and working knowledge of Word, Excel, and Outlook. Experience in Agvance accounting software is helpful but not a requirement.</li><li>Ability to operate standard office equipment, including computers, 10-key calculators, copiers, and other office technology.</li><li>Ability to perform effectively in a fast-paced, deadline-driven environment.</li><li>Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.</li><li>Ability to speak Spanish is helpful but not required.</li></ul><p><b>Why Join AG RX?</b></p><p>At AG RX, we believe our people are our greatest asset. We are committed to providing a supportive, team-oriented workplace where employees can grow their careers while contributing to the success of California agriculture.</p><p><b>We offer a competitive benefits package, including:</b></p><ul><li>Employee Stock Ownership Plan (ESOP)</li><li>Medical, dental, and vision insurance</li><li>401(k) retirement plan</li><li>Paid time off and paid holidays</li><li>Opportunities for professional growth and development</li><li>A collaborative, safety-focused workplace culture</li></ul><p>AG RX is an Equal Opportunity Employer and is committed to creating an inclusive workplace for all employees. Employment decisions are made without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other protected characteristic under applicable federal, state, or local law.</p><p>If you are a motivated accounting professional who enjoys combining financial analysis with customer-focused solutions, we encourage you to apply and become part of the AG RX team. Join us in supporting California agriculture while building a rewarding career with an employee-owned company.</p><p>Pay: $28.50 - $35.00 per hour</p><p>Benefits:</p><ul><li>401(k) matching</li><li>Dependent care reimbursement</li><li>Flexible spending account</li><li>Health insurance</li><li>Health savings account</li><li>Life insurance</li><li>Professional development assistance</li><li>Referral program</li><li>Retirement plan</li></ul><p>Work Location: In person</p>

Accounts Receivable / Credit Risk Analyst

Alpine Bank

<div><p><b>General Purpose</b></p>
<p>
The Loan Portfolio Analyst provides analytics and reporting for Alpine Bank&rsquo;s loan portfolio to aid in strategic initiatives and risk management.</p>
<p><b>
Essential Duties/Responsibilities</b></p>
<p><i>
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</i></p>
<ul>
<li>Responsible for providing detailed portfolio analysis and report preparation (Loan Composition, Pipeline, Legal Lending Limit, KPI).</li>
<li>Identifies meaningful ways to analyze and present information and highlights the risks in the credit portfolio.</li>
<li>Analyzes and measures credit and financial performance in the portfolio from multiple perspectives, including business lines, product, industry, geographic, etc to identify trends and drivers; summary conclusions and implications from the prepared analysis.</li>
<li>Researches, independently or collaboratively, to continually enhance relevant credit monitoring reports with analytics given current data structure and anticipated future enhancements.</li>
<li>Collaborates with other departments and stakeholders to continually enhance data quality.</li>
<li>Responsible for the development and execution of credit portfolio risk monitoring activities, including analytics and process enhancements as required by regulatory guidance.</li>
<li>Responsible for creating enhancing and maintaining reports on key risk metrics, concentrations and stratifications of the loan portfolio.</li>
<li>Performs research to prepare and provide clear and accurate information as requested by auditors, regulators, and other stakeholders.</li>
<li>Anticipates regulatory risk regularly monitoring the regulatory landscape.</li>
<li>Identifies risk factors that could impact the bank&rsquo;s ability to be repaid and communicate it to the appropriate areas.</li>
<li>Responsible for loan coding, including call report coding, loan purpose, loan type and collateral codes.</li>
<li>Responsible for monitoring and managing the covenant review process.</li>
<li>Prepares ad-hoc risk management reports as assigned.</li>
<li>Regular and reliable on-site attendance is required as an essential function of this position.</li>
<li>Performs other duties as assigned.</li>
</ul>
<p><i>Employees are held accountable for all duties of this job.</i></p>
<p><b>
Job Qualifications</b></p>
<p><i>
Knowledge, Skills, and Ability:</i></p>
<ul>
<li>Demonstrates expanded knowledge and understanding of banking industry.</li>
<li>Ability to work in a fast-paced environment with a desire for professional growth.</li>
<li>Receives mentoring in a mature and open manner.</li>
<li>Outstanding oral and written communication skills.</li>
<li>Self-motivated.</li>
<li>Good interpersonal skills.</li>
<li>Demonstrates the ability to work as a team player.</li>
<li>Proficient knowledge in Microsoft Office Suite and Adobe Acrobat.</li>
<li>Proficient Knowledge in Microsoft Power BI.</li>
<li>Proficiency in SEQUEL.</li>
<li>Ability to work independently.</li>
<li>Demonstrates adaptability and change management skills.</li>
<li>Strong analytical and problem-solving skills.</li>
<li>An understanding of financial metrics and regulatory/legal restrictions that may impact the portfolio is required.</li>
<li>An understanding of loan policy and underwriting standards is key to monitoring existing credit risk and research, independently or collaboratively, to continually enhance relevant credit monitoring reports with analytics given current data structure and anticipated future enhancements.</li>
</ul>
<p><i>Education or Formal Training:</i></p>
<ul>
<li>Bachelor&rsquo;s Degree in Finance, Economics, or Accounting required.</li>
<li>Possession of, or ability to obtain, a valid State of Colorado Drivers&rsquo; License, required.</li>
</ul>
<p><i>Experience:</i></p>
<ul>
<li>2-3 years of experience in commercial credit analysis required; or comparable position or completion of a commercial banking training program.</li>
</ul>
<p><b>Working Conditions</b></p>
<p><i>
Working Environment:</i></p>
<p>
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, and multifunction printers. Travel to conferences, meetings and branch locations on a regular basis may be necessary.</p>
<p><i>
Physical Activities:</i></p>
<p><i>
These are representative of those which must be met to successfully perform the essential functions of this job.</i></p>
<p>
While performing the duties of this job, the employee is regularly required to talk and hear. This is largely a sedentary role. Specific vision abilities required by this job include close vision, distance vision, color vision, and ability to adjust focus. Employee may have to lift up to 25 pounds.</p>
<p><b>
Note:</b> This job description is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the job.</p>
<p><i>
Starting range of pay is from $70,000.00 to $100,000.00 per year, depending on experience.</i></p>
<p><i>
For an overview of our employee benefits please visit: Alpine Bank Careers Page (https://www.alpinebank.com/who-we-are/careers.html)</i></p>
<p>
Position anticipated to close August 31, 2026, or until filled.</p><p></p><p><br>
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities<br>
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.</p></div>

Loan Portfolio Analyst

Citi

<div><h2 class="jobSectionHeader"><b>Discover your future at Citi</b></h2>
<p>Working at Citi is far more than just a job. A career with us means joining a team of approximately 219,000 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.</p>
<h2 class="jobSectionHeader"><b>Job Overview</b></h2>
<p>The Corporate Banking Analyst in Qatar is focused on the management of a portfolio of Large Corporate, Public Sector and Financial Institution clients. This is an entry-level professional role focusing on delivering a range of treasury / financial solutions, corporate finance and advisory services to clients. The Analyst will work alongside Corporate Banking team in supporting execution workstreams across Citi&rsquo;s product suite. The overall objective of this role is to support credit analytical work, transaction execution, pitch presentations and KYC due diligence to support effective management of client relationships.</p>
<p></p><p><b>Responsibilities:</b></p>
<ul><li>Participate in client transactions, projects or assignments as the junior member of a professional team</li>
<li>The Analyst in Corporate Banking is junior member of team expected to lead on credit analytical work of existing relationships, including periodic review of financial results to monitor performance as well as preparation of credit and capital approval proposals for new requests.</li>
<li>Stay abreast of market and industry trends, best practices and the competitive landscape</li>
<li>Day-to-day responsibilities include developing client pitch materials tailored to client needs, supporting execution of episodic transactions / financings, and supporting relationship bankers to deepen client relationships</li>
<li>Assist with day-to-day activities across cash management, trading activities, FX and loan activity including KYC maintenance and credit limit management</li>
<li>Organize and analyze sophisticated financial data used in client proposals and strategic plans</li>
<li>Prepare written recommendations and create statistical exhibits</li>
<li>Conduct economic/financial research</li>
<li>Provide evaluations of a company&rsquo;s financial performance compared to overall industry and market trends or data</li>
<li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li>
</ul><p></p><p><b>Qualifications &amp; Skills:</b></p>
<ul><li>2-5 Entry level graduate to up to 2 years of relevant experience</li>
<li>Understanding of financial statements, accounting treatments and experience in financial modelling a plus</li>
<li>Strong written and verbal communication</li>
<li>Proficiency in Microsoft Office, particularly Excel and PowerPoint</li>
<li>Demonstrated planning and organizational skills</li>
</ul><p></p><p><b>Education:</b></p>
 <ul><li>Bachelor's degree as a minimum</li><br>
</ul><p></p><p><br>
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
</p><p></p><p>-</p>
<h2 class="jobSectionHeader"><b>Job Family Group:
</b></h2>Institutional Banking
<p>-</p>
<h2 class="jobSectionHeader"><b>Job Family:</b></h2>
Corporate Banking
<p>-</p>
<h2 class="jobSectionHeader"><b>Time Type:</b></h2>
Full time
<p>-</p>
<h2 class="jobSectionHeader"><b>Most Relevant Skills
</b></h2>Please see the requirements listed above.
<p>-</p>
<h2 class="jobSectionHeader"><b>Other Relevant Skills
</b></h2>For complementary skills, please see above and/or contact the recruiter.
<p>-</p>
<p><i>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.</i></p></div><p></p>

Corporate Banking Analyst - DOHA

The Bancorp, Inc.

<div><b>Position Summary</b>:
<div>
We define fintech partnerships. The Bancorp does more than enable payments innovation. We work side by side with<br>
clients, combining deep expertise with a technology-forward approach to deliver creative, practical solutions. We<br>
don't settle for what's possible today. We look ahead to what's next, helping clients grow and innovate with<br>
confidence.</div><div></div><div><br>
The Underwriting and Portfolio Analyst I role assists in evaluating financial, control, and operational risk associated<br>
with commercial entities engaged in merchant acquiring, ACH, and card issuing activities sponsored by the bank. This<br>
role supports the bank's third parties in meeting oversight requirements for payments relationships, helps identify<br>
imprudent risks and maintains a safe credit framework for the Fintech Solutions Division. The Analyst I performs a<br>
range of routine to more complex activities supporting the Know Your Customer program, with a focus on updated<br>
analysis for the periodic review of an existing client base.</div>
<b>Key Responsibilities</b>:
<ul><li>Third-party application and underwriting review<ul><li>
Reviews third-party merchant card processing and ACH applications for completeness and consistency with<br>
underwriting guidelines and evaluates onboarding, sampling and, merchant application files</li><li>
Requests supporting documentation from clients, tracking and following up on missing or incomplete items to<br>
ensure prompt client responses</li><li>
Understands how third-party business models work for underwriting activities, participating in credit report<br>
review, financial statement analysis, and due diligence checks</li><li>
Performs financial analysis and underwriting for covered business types and enterprise client relationships</li></ul></li><li>
Risk assessment and due diligence<ul><li>
Performs basic to more complex enhanced due diligence reviews on assigned clients using a risk-based<br>
approach</li><li>
Assesses risk exposures and makes informed decisions on the acceptability of companies and their business<br>
models</li><li>
Provides recommendations to mitigate unacceptable risk exposure for new and ongoing relationships</li><li>
Conducts research and provides advice on new customer due diligence and Know Your Customer activities</li></ul></li><li>
Know Your Customer program support and regulatory compliance<ul><li>
Performs a variety of routine to more complex activities to support the Know Your Customer program</li><li>
Maintains awareness of rules and regulations applying to Visa and Mastercard merchant accounts, NACHA<br>
Rules, and banking regulations to ensure compliance</li><li>
Conducts all underwriting and review activities in accordance with company policy, ACH program standards,<br>
and operating procedures</li></ul></li><li>
Reporting and recordkeeping<ul><li>
Compiles detailed written narratives quantifying financial and operational risk review results, with<br>
recommendations to the Director, Head of Fintech Operations, or applicable approval committee</li><li>
Documents review findings in appropriate databases, capturing all pertinent facts and information per<br>
departmental procedures</li><li>
Maintains highly accurate, up-to-date records, files, and timetables for future actions and follow-up activities</li><li>
Supports assigned projects and performs other duties as needed</li></ul></li></ul>
<b>Qualification Requirements</b>:
<ul><li>Undergraduate degree in finance, accounting, or a related field, or equivalent combination of training and<br>
experience.</li><li>
2 years of financial statement analysis, commercial underwriting, and portfolio review experience.</li><li>
Strong understanding of Know Your Customer requirements and BSA due diligence standards.</li><li>
Knowledge of payment brand rules, including Visa, Mastercard, and NACHA.</li><li>
AML and BSA regulatory knowledge.</li><li>
Ability to read, understand, and review corporate financial statements, corporate tax returns, and business<br>
credit reports.</li><li>
Underwriting skills with the ability to compile written narratives quantifying financial statement analysis and<br>
risk attributes.</li><li>
Strong working knowledge of risk calculation methodologies.</li><li>
Outstanding problem-solving and issue-resolution skills.</li><li>
Strong customer service focus with meticulous attention to detail.</li><li>
Capacity to manage multiple priorities in a fast-paced environment with tight deadlines.</li><li>
Excellent verbal, written, and interpersonal communication skills.</li><li>
Proven ability to work effectively in a collaborative, multi-tasking team environment.</li><li>
Proficient in Microsoft Office, including Excel, PowerPoint, Word, and Outlook.</li><li>
Demonstrates strong motivation, accountability, and resilience in pursuing goals, delivering high-quality<br>
results, and continuously improving performance.</li><li>
Demonstrates the ability and willingness to learn and use approved artificial intelligence tools to improve<br>
productivity, decision-making, and work quality, in accordance with company policies and established<br>
guidelines.</li></ul><div><b>
Travel Expectations</b></div><ul><li>
Ability to travel up to 5% of the time</li></ul><div><b>
What Success Looks Like</b></div><ul><li>
Third-party applications and files are reviewed accurately and within expected timeframes</li><li>
Enhanced due diligence and risk assessments consistently identify and mitigate unacceptable risk exposure</li><li>
Know Your Customer activities are completed accurately and in line with regulatory requirements</li><li>
Written narratives and recommendations support sound, well-documented approval decisions</li><li>
Records and documentation remain accurate, complete and audit-ready</li><li>
Underwriting and review activities reflect strong compliance with Visa, Mastercard, NACHA and banking<br>
regulations</li></ul><div><b>
Why This Role Matters</b><br>
The Underwriting and Portfolio Analyst I protects The Bancorp's credit framework by identifying and mitigating risk<br>
before it reaches the bank's third-party payments relationships. Sound underwriting and disciplined due diligence in<br>
this role directly support the bank's regulatory standing under BSA, AML, KYC, and payment brand rules.<br>
By producing clear, well-documented risk narratives and recommendations, this role gives approval committees the<br>
information they need to make confident decisions, helping the Fintech Solutions Division grow its third-party<br>
relationships safely and sustainably.</div>
<b>Additional Information</b>:
<div>
This job will be open and accepting applications for a minimum of five days from the date it was posted.</div><div></div><div><br>
This information reflects the base salary pay range for this job based on current national market data. Ranges may vary based on the job's location. We offer competitive pay that varies based on individual experience, qualifications and other relevant factors. We encourage you to apply to positions that you are interested in and for which you believe you are qualified. To learn more, you are welcome to discuss with us as you move through the selection process.</div><div></div><div><b><br>
Working at The Bancorp Bank, N.A. and Benefits Information:</b> https://thebancorp.com/company/join-our-team/</div>
<b>Company Culture &amp; Background Screening</b>:
<div><b>
Company Culture at The Bancorp Bank</b>: https://www.thebancorp.com/company/company-culture/</div><div></div><div><br>
The Bancorp Bank, N.A. is an EQUAL OPPORTUNITY EMPLOYER and will not discriminate on the basis of race, color, religion, gender, gender identity, sexual orientation, pregnancy, citizenship, national origin, age, disability, genetic information, veteran status or other protected category with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment.</div><div></div><div><br>
Employment with The Bancorp Bank, N.A. includes successfully passing a background check including credit, criminal, education, employment, OFAC, and social media background history.</div><div></div><div><br>
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Underwriting and Portfolio Analyst I

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