credit analyst

Stockman Bank

<div></div><div><p><b>Position General Responsibilities:</b></p><p>
This position assists the Commercial Lender by spreading customer financial statements and analyzing them, identifying customer strengths/weaknesses. In addition they prepare financial forecasts with the assistance of bankers to assist in the assessment of the borrower&rsquo;s capacity. Finally they are responsible for providing support to the banker to assist them in soliciting, developing and maintaining profitable account relationships to increase Stockman Bank&rsquo;s market share in this business.</p><p><b>
Education, Experience and Certification Requirements:</b></p><p>
Note: Only minimum responsibilities are listed. Other responsibilities may be required as requested by management.</p><p><b><br>
Basic Qualifications:</b></p><br>
<ul><li>
4-year college level course of study in Business Administration and/or financial institution or related field experience or equivalent training and/or experience.</li><li>
Excellent customer service skills.</li><li>
Strong communication and organizational skills.</li><li>
Must be able to work independently and to prioritize multiple tasks.</li></ul><p></p><p><b><br>
Preferred Skills:</b></p><br>
<p></p><ul><li>
Attention to Detail- ability to notice and correct errors, document and follow up on important details and provide a high-quality -end-product.</li><li>
Knowledge of financial statement and cash flow analysis, &amp; basic working knowledge of GAAP.</li><li>
Familiarity with legal contracts and the Uniform Commercial Code as related to lending and collateral perfection.</li><li>
Professionalism &ndash; maintaining a professional attitude, image, and work ethic.</li><li>
Understanding of and ability to work with lending software with proper training.</li><li>
Team Playing &ndash; willingly collaborating and cooperating with others, developing effective working relationships</li><li>
Ability to remain focused and on task and efficiently work unsupervised meeting all deadlines.</li><li>
Written and verbal communication skills &ndash; ability to concisely and clearly present critical details.</li></ul><p><b><br>
Position Specific Responsibilities, Duties and Competencies</b></p><p><b>
Analyze and Process:</b></p><ul><li>
Assist Lenders in analyzing existing and new customer credit requests.</li><li>
Work with Lenders and Loan Processor to coordinate the request/receipt of business and personal financial statements.</li><li>
Coordinate timely spreading of financial statements with Credit Analysis.</li><li>
Analyze statements, identifying customer strengths/weaknesses and questions/concerns to be raised to the client.</li><li>
Prepare financial forecasts/pro-forma statements in consultation with Lenders to assist in assessment of borrower capacity.</li><li>
Prepare financial analysis documentation (i.e. Routine Administration Checklist, Loan Documentation Checklist, Spreads, etc.) in consultation with the Lenders/manager, as appropriate, for review and approval by Lenders.</li><li>
Review file documentation for completeness and correctness, in accordance with Front End Guidance, Credit Policy, and Credit Process Procedures.</li><li>
Manage annual credit review and file comments.</li><li>
Working delinquent loan accounts by calling customers and follow-up with tickler list</li><li>
Monitor existing credits for collateral review, interim statement review, loan covenant compliance, etc.</li></ul><p></p><div><div><div><div><div><div><div><div><div><div><div><p><br>
For full description, which includes physical mental demands please see attachment.</p></div></div></div></div></div></div></div></div></div></div></div></div>

CREDIT ANALYST

Penn Community Bank

<div>Overview:
<div>
Provide exceptional credit support to the Commercial Lending team, Credit Manager and Credit Officers by preparing analyses and assistance in preparation of credit approval presentations.</div><br>
Responsibilities:
<ul><li>Work with other Credit Analyst, Credit Portfolio Manager, Credit Manager, Credit Officer, and CCO to ensure consistent and accurate credit analysis and loan presentations.</li><li>
Complete Financial Statement spreads.</li><li>
Prepare analysis of less complex loan requests, reviews and renewals.
</li><li>Conduct industry and market analysis.</li><li>
Provide support and analysis to the Special Assets Group as needed.</li></ul><div><b>
Compliance</b></div><ul><li>
Comply with all applicable regulations and Bank policies regarding employment and employment law.</li><li>
Participate in annual compliance and other job-related training.</li><li>
Comply with applicable bank regulations, Bank policies and procedures.
</li><li>Comply with Bank&rsquo;s internal privacy and ethics standards.</li></ul><p><b><br>
Relationships and Contacts</b><br>
<br>
Internal: Daily contact with Credit Analysts, CM, CO, Commercial Lenders, CCO, and Loan Administrative Assistants.</p><div><br>
External: Occasional contact with borrowers, accountants and loan review.</div><br>
Qualifications:
<ul><li>BA or BS in Accounting, Finance, Economics, or related field preferred</li><li>
Completion of a formal Credit Training program, or the ability to complete one within 12 months of hire, or equivalent experience.
</li></ul><div><b>Skills and Competencies</b></div><ul><li>
Excellent communication and interpersonal skills with the ability to interact with all levels of personnel
</li><li>Demonstrate professionalism in appearance, punctuality, attitude, and grammar. Maintain a clean, organized work area.
</li></ul><ul><li>Demonstrated analytical and quantitative skills, with prior knowledge of financial statements and accounting principles</li><li>
An ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities</li><li>
Must be proficient with MS Office software and be able to quickly master the bank's technology and systems</li><li>
Ability to interact effectively with other bank personnel across functional lines.</li><li>
Ability to articulate bank strategies and customer service philosophy
</li></ul><ul><li>Strong written, verbal and presentation skills</li><li>
Excellent decision-making skills</li><li>
Ability to multi-task in highly demanding environment</li><li>
Efficient, high quality producer, with attention to detail
</li><li>Good judgment and analytical skills with the ability to remain focused &amp; work independently</li><li>
Must be able to process constructive feedback &amp; remain even tempered</li><li>
Ability to drive, with a valid driver&rsquo;s license, to travel between offices and/or attend sales calls and customer visits.</li></ul><div></div><div><b><br>
Working Conditions</b></div><div>
Traditional office environment with the ability to work remotely on a hybrid basis; the office maintains five day a week operations (Monday &ndash; Friday) with operational hours of 8:00am &ndash; 5:00pm. Must be willing to travel to other Bank locations as needed.
<br>
<br>
<b>Physical Demands</b></div><div><i>
Penn Community promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. Please contact Human Resources with questions regarding the physical demands of this position.</i></div><ul><li>
Lifting/carrying up to 10 lbs.</li><li>
Manual dexterity for computer work</li><li>
Speaking, hearing, and vision are required to perform essential functions</li></ul><div><b>
Equal Employment Opportunity</b></div><p>
It is the policy of Penn Community to provide equal employment and advancement opportunities to all individuals. For this reason, employment decisions at Penn Community will be based on merit, qualifications, and abilities. Except where required or permitted by law, employment practices will not be influenced or affected by an applicant's or Team Member's race, color, religion, sex, national origin, age, sexual orientation, physical or mental disability, veteran status, or any other characteristic protected by law.</p></div>

Credit Analyst

<div>Overview:
<div>
Provide exceptional credit support to the Commercial Lending team and CCO by preparing analyses and assistance in preparation of credit memo presentations.</div>
Responsibilities:
<ul><li>Work with Credit Portfolio Manager, Credit Manager, Credit Officer, and CCO to ensure consistent and accurate credit analysis and loan presentations.<ul><li>
Prepare financial statement spreads and perform comprehensive analysis of cash flow</li><li>
Evaluate individual personal financial statements, tax returns, and prepare global cash flows</li><li>
Verify compliance with credit policy, applicable regulations and lending procedures
</li><li>Conduct industry and market analysis to identify risks and risk mitigating factors</li></ul></li><li>
Prepare analysis and approval memo for moderately complex loan requests, reviews and renewals.
</li><li>Work with lenders to provide timely response and turnaround by monitoring and prioritizing pipeline.</li><li>
Provide support and analysis to the Special Assets Group.</li><li>
Work with new, existing and troubled commercial lending relationships in understanding and analyzing cash flows, balance sheet, risks and overall strength and weaknesses of loans and requests.</li><li>
Provide support for Special Assets Group and prepare quarterly loan impairment analysis as assigned.</li></ul><div><b>
Compliance</b></div><ul><li>
Comply with all applicable regulations and Bank policies regarding employment and employment law.</li><li>
Participate in annual compliance and other job-related training.</li><li>
Comply with applicable bank regulations, Bank policies and procedures.
</li><li>Comply with Bank&rsquo;s internal privacy and ethics standards.</li></ul><p><b><br>
Relationships and Contacts</b><br>
<br>
Internal: Daily contact with senior credit analyst, commercial lenders, CCO, and loan administrative assistants; Contact with special assets group as needed.</p><div><br>
External: Frequent contact with borrowers, accountants and loan review.</div><br>
Qualifications:
<div><b>
Education and Experience</b></div><ul><li>
BA or BS in Accounting, Finance, Economics or related field required OR equivalent experience</li><li>
Completion of a formal Credit Training Program is preferred</li><li>
Minimum of 1 &ndash; 3 years&rsquo; experience in credit analysis</li></ul><div><b><br>
</b></div><div><b>Skills and Competencies</b></div><ul><li>
Experience in analyzing moderately complex financial statements and tax returns.</li><li>
Comprehensive knowledge of commercial lending, including loan structure, covenant, and risk analysis.</li><li>
Knowledge of collateral valuation methods.</li><li>
Exceptional verbal and written communication skills.</li><li>
Exceptional organization / time management skills.</li><li>
Proficiency with Microsoft Office and able to quickly master the bank's technology and systems</li><li>
Excellent communication and interpersonal skills with the ability to interact with all levels of personnel</li><li>
Demonstrate professionalism in appearance, punctuality, attitude, and grammar. Maintain a clean, organized work area.
</li><li>Demonstrated analytical and quantitative skills, with prior knowledge of accounting principles</li><li>
An ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities while meeting Service Level Agreements.</li><li>
Ability to interact effectively with other bank personnel across functional lines.</li><li>
Ability to articulate bank strategies and customer service philosophy
</li></ul><ul><li>Excellent decision-making skills</li><li>
Ability to multi-task in highly demanding environment</li><li>
Efficient, high quality producer, with attention to detail
</li><li>Good judgment &amp; analytical skills with the ability to remain focused &amp; work independently</li><li>
Must be able to process constructive feedback &amp; remain even tempered</li><li>
Ability to drive, with a valid driver&rsquo;s license, to travel between offices and/or attend sales calls and customer visits.</li></ul><div></div><div><b><br>
Working Conditions</b></div><div>
Traditional office environment with the ability to work remotely on a hybrid basis; the office maintains five day a week operations (Monday &ndash; Friday) with operational hours of 8:00am &ndash; 5:00pm. Must be willing to travel to other Bank locations as needed.<br>
<br>
<b>Physical Demands</b></div><div><i>
Penn Community promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. Please contact Human Resources with questions regarding the physical demands of this position.</i></div><ul><li>
Lifting/carrying up to 10 lbs.</li><li>
Manual dexterity for computer work</li><li>
Speaking, hearing, and vision are required to perform essential functions</li></ul><div><b>
Equal Employment Opportunity</b></div><p>
It is the policy of Penn Community to provide equal employment and advancement opportunities to all individuals. For this reason, employment decisions at Penn Community will be based on merit, qualifications, and abilities. Except where required or permitted by law, employment practices will not be influenced or affected by an applicant's or Team Member's race, color, religion, sex, national origin, age, sexual orientation, physical or mental disability, veteran status, or any other characteristic protected by law.</p></div>

Senior Credit Analyst

Banque Misr

<div>
 <p>
  <strong>
   Role Description:
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   Responsible for supporting RMs on handling day to day operational activities, credit memos and account planning for their client base.
  </li>
  <li>
   Supports RMs on credit memo completion; prepares main body of credit memo, collects financial data to perform financial analysis and coordinates with all other departments where required.
  </li>
  <li>
   Supports RMs on completing account plans, and coordinating as required with other product factories.
  </li>
  <li>
   Supports RMs on other ad-hoc analysis required for monitoring profitability and other ad-hoc requests.
  </li>
  <li>
   Supports RMs on launch &amp; completion of annual client reviews and identification of potential areas of improvement.
  </li>
  <li>
   Responsible to coordinate with CCS, operations and any other required departments to ensure proper execution of transactions and completion of admin activities in a timely manner (e.g., opening and closing of customer account, transfers, amendment of customer account details, coordinate regular payments, collecting KYC documents etc.).
  </li>
  <li>
   Develop skill set &amp; knowledge to continue growth journey within corporate division.
  </li>
  <li>
   Select interactions with clients with guidance and support from RMs.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Role Requirements:
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s degree business or any relevant field.
  </li>
  <li>
   1 - 3 Years of Experience.
  </li>
  <li>
   Banking experience is a plus.
  </li>
  <li>
   Credit Course is a plus.
  </li>
  <li>
   Fluent in both written and spoken Arabic and English languages.
  </li>
 </ul>
 <p>
 </p>
</div>


Credit Analyst - SMEs

SDP & Associates

<p>Prepare Due Diligence Report of various company&rsquo;s basis their audited accounts</p><p>Verify documents tax audit report, Insurance policies, sanction letters of banks, Bank statements, trial balance</p><p>Verify various company law documents- AOC4, MGT7, Holding Company/Subsidiary Company details, management representation letters, COI/MOA/AOA</p><p>Verification of End Use of Funds of bank borrowings</p><p>Preparation of various MIS and send it to bank officials.</p><p>Job Type: Full-time</p><p>Pay: &#8377;20,000.00 - &#8377;22,000.00 per month</p><p>Work Location: In person</p>

Tom Wood Group

<div><div><div><b>Premier Acceptance</b>, a <i>Tom Wood company</i>, is looking to add a <b>Credit Analyst </b>to our team! Premier is a leading automotive financial lender. We work with a large number of franchises and independent dealers within Indiana, Ohio and Kentucky. Our team provides top-notch customer care throughout the loan process.</div><p><b>
Responsibilities:</b></p><ul><li>
Review and analyze credit applications.</li><li>
Determine risk and credit worthiness of applicants.</li><li>
Accurately operate underwriting software.</li><li>
Communicate with dealers and branch team.</li><li>
Develop and maintain strong relationships with dealerships.</li><li>
Understand and follow the policies and procedures in place.</li><li>
Conduct outbound marketing calls.</li><li>
Maintain loan pipeline and prioritize to ensure timeliness through funding.</li><li>
Provide customers with timely updates on the status of their loan.</li><li>
Collect required documentation and required items on loan packages.</li><li>
Update files in our origination system and maintain data quality.</li><li>
Request verifications, additional documents, and other items, as needed.</li><li>
Other duties as required by management.</li></ul><div></div><div><b><br>
Qualifications:</b></div><ul><li>
Working knowledge of the indirect auto lending processes.</li><li>
Enthusiastic, can-do attitude with an ability to thrive working with a team.</li><li>
Strong analytical skills.</li><li>
Must be detail-orientated and comfortable multi-tasking in a fast-paced environment.</li><li>
Ability to develop long term dealer relationships</li><li>
Excellent communication skills.</li><li>
Tech-savvy.</li><li>
Customer-focused mindset with a proactive approach to providing updates and resolving issues.</li><li>
Bilingual, English &amp; Spanish is a plus.</li><li><b>
Required-</b>valid driver&rsquo;s license, with clean record.</li></ul></div><div></div><div><div><br>
</div><div><b>Benefits:</b></div><ul><li>
PTO &amp; Vacation</li><li>
Paid Holidays</li><li>
Medical</li><li>
Dental</li><li>
Vision</li><li>
401k with Company Match</li><li>
Life</li><li>
Disability</li><li>
Training</li><li>
Tuition Reimbursement</li><li>
Service Awards</li><li>
Career Advancement</li><li>
Wisely &amp; DailyPay</li></ul></div><div></div><div><div><br>
</div><div><b>About Tom Wood Group</b></div><div>
The Tom Wood Group is proud to be family-owned and locally operated for over 50 years. Since our start in 1967, the Tom Wood Group has grown outside of automotive to include many franchises with locations throughout the Midwest and New Zealand.</div><div><br>
</div><div><b>Our Core Values:</b> Humbly Confident, Passionately Driven, Sincere Desire to Help Others, and Uncompromising Integrity</div><div><br>
</div><div><i>Offers of employment are contingent upon successfully passing a background screening including a criminal background check, a review of motor vehicle record, verification of social security number, and passing a drug test at a certified testing facility. Tom Wood Group is an equal-opportunity employer.</i></div></div></div><p></p>

Credit Analyst - Premier Acceptance

Galaxy Prime Mortgage Brokers LLC

<p><b>URGENT HIRING!!!</b></p><p><b>Role Description</b></p><p>The Business Support / Credit Analyst is a full-time on-site position for the company based in Dubai, United Arab Emirates. This position plays a critical role within the mortgage company, providing essential support in credit risk analysis, loan processing, and operational efficiency.</p><p><b>Responsibilities</b></p><ul><li>Review and assess mortgage applications including income verification, credit reports, bank statements, and property appraisals.</li><li>Analyze borrower financial documents (e.g. salary slips, tax returns, audited accounts) to determine affordability and repayment capacity.</li><li>Evaluate loan-to-value (LTV) ratios, debt-to-income (DTI) ratios, and other risk metrics.</li><li>Conduct credit risk assessments in line with company lending criteria and UAE Central Bank (or applicable) regulations.</li><li>Collaborate with brokers and clients to obtain missing or additional documentation when needed.</li><li>Prepare detailed credit memos/reports with recommendations for approval, decline, or modification.</li><li>Liaise with banks, lenders, and financial institutions for application submissions and follow-ups.</li><li>Stay current with regulatory guidelines, market conditions, and lending products.</li><li>Support the compliance and operations teams with audits and reporting as required.</li><li>Maintain accurate records of all underwriting decisions and client documentation.</li></ul><p><b>Qualifications</b></p><ul><li>Bachelor&rsquo;s degree in Finance, Accounting, or a related field.</li><li>2&ndash;5 years of experience in credit underwriting, mortgage analysis, or financial services.</li><li>Strong understanding of mortgage lending processes, property financing, and banking products.</li></ul><p>Job Types: Full-time, Permanent</p><p>Pay: AED5,000.00 - AED8,000.00 per month</p>

Credit Analyst/Business Support

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