credit analyst

NICOLET NATIONAL BANK

<div><div>At Nicolet National Bank, our culture is based on the principles of community banking, putting the needs of our customers at the forefront of our decision-making. Our Core Values drive everything we do, and we are committed to serving our customers with excellence. We believe that every job in our organization is critical to our success, and we are dedicated to creating a work environment where our employes feel valued, respected, and supported. With locations in Wisconsin, Michigan, Minnesota, and Florida we are proud to service our local communities and make a positive impact on the lives of our customers. At Nicolet National Bank, we believe that our people are our most valuable asset, and we are committed to investing in their growth and development.<br>
<br>
The Credit Analyst is responsible for analyzing credit information pertaining to commercial loans. The Credit Analyst prepares or assists in the preparation of credit reports for presentation to loan committee, furnishes information in relation to credit inquiries, conducts credit investigations, and provides assistance to the Commercial Lenders as requested. <b>This is a developmental role designed to lead into a Commercial Banker role.</b></div>
<div><br>
<b>As a Credit Analyst, you will:</b></div>
<ul><li>Spread and make interpretive analysis of financial statements, to include historical analysis and financial forecasting using the Baker Hill Statement Analyzer software; Analyze sources of cash flow used for repayment and identify and evaluate cash flow and ratio trends; Identify and evaluate business and industry risks, management and collateral support.</li>
<li>Prepare credit write-ups for presentation at credit committee meetings. Work closely with lending officers to ensure thorough underwriting and evaluation of business credit requests and ensure compliance with the bank&rsquo;s credit policy and lending regulations.</li>
<li>Complete real estate evaluations for loans secured by real estate.</li>
<li>Review commercial loans granted to ensure proper documentation is obtained, executed, and on file.</li>
<li>Assist with the Loan Review function to ensure appropriate credit grading, including but not limited to credit analysis and documentation review.</li>
<li>Assist in the preparation of monthly and quarterly loan reports for use by management and the Board of Directors.</li>
<li>Monitor accounts receivable and inventory loans for adequate collateral coverage; monitor borrower compliance with loan covenants and financial reporting requirements; track and report results using the bank&rsquo;s exception tracking systems.</li>
<li>Assist in monitoring loans for compliance with federal banking laws and regulations, regulatory guidelines, and the bank&rsquo;s lending policy; Identify non-compliance and monitor for correction of exceptions.</li>
<li>Conduct and develop research projects useful to the lending function.</li>
<li>Assist in the ongoing maintenance of all credit files, including filing of credit information and the purging of outdated information that is no longer needed in the credit files.</li>
<li>Uphold Nicolet&rsquo;s philosophy and policies by maintaining appropriate controls to ensure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of services provided by Nicolet.</li>
<li>Understand and communicate the value of diversity within the workplace and to work successfully with others without regard to age, gender, race, sexual orientation, ethnicity, culture, religion, disability status, socioeconomic status, or other non-job-related classification, including a commitment to Nicolet&rsquo;s policies on equal employment opportunities and non-discrimination with a willingness to pursue efforts of inclusion and respect toward different perspectives.</li>
<li>Performs all other duties as assigned.</li>
</ul><div><b>Qualifications:</b></div>
<ul><li>Bachelor&rsquo;s degree in Finance, Business Administration, Accounting or Economics or equivalent work experience</li>
</ul> <div><b>Benefits:</b>
<ul><li>Medical, Dental, Vision, &amp; Life Insurance</li>
<li>401(k) with a company match</li>
<li>PT0 &amp; 11 1/2 Paid Holidays</li>
</ul>
<div></div><div>The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities and skills required for the position.<br>
<br>
<i>Equal Opportunity Employer/Veterans/Disabled</i></div></div></div>

Credit Analyst

G-NIUS

<div>
 <p>
  We are seeking an experienced Senior Credit Analyst to join a high-performing finance team within a well-established organisation operating across asset-backed financing and industrial investment sectors. This is a full-time, on-site position based in Muscat, Oman, offering a unique opportunity to contribute directly to complex international deals and investment strategies.
 </p>
 <p>
  <br/>
 </p>
 <p>
  As a Senior Credit Analyst, you will work closely with decision-makers throughout the full deal lifecycle-from due diligence and financial modelling to credit committee participation and execution. This role is ideal for a commercially astute finance professional looking to work on high-value cross-border transactions in a dynamic and fast-paced environment.
 </p>
 <p>
  <br/>
 </p>
 <p>
  Key Responsibilities:
 </p>
 <ul>
  <li>
   Conduct in-depth credit analysis, including financial statement review, cash flow forecasting, and sector benchmarking.
  </li>
  <li>
   Develop and maintain detailed financial models to support investment and lending decisions.
  </li>
  <li>
   Prepare high-quality credit memoranda and present recommendations to senior leadership.
  </li>
  <li>
   Participate actively in credit committee meetings and internal deal evaluations.
  </li>
  <li>
   Assist in the structuring of transactions, including drafting term sheets and reviewing facility agreements.
  </li>
  <li>
   Oversee documentation and compliance processes throughout the credit lifecycle.
  </li>
  <li>
   Collaborate with cross-functional teams during deal execution to ensure accuracy and timeliness.
  </li>
  <li>
   Contribute to the strategic analysis of markets and opportunities for growth.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  Requirements:
 </p>
 <ul>
  <li>
   Strong background in credit analysis, corporate finance, or investment banking.
  </li>
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   Proven experience in financial modelling and valuation techniques.
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   Solid understanding of IFRS and financial reporting standards.
  </li>
  <li>
   Advanced Excel user with strong data handling and presentation skills.
  </li>
  <li>
   Excellent communication and report-writing skills in English.
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   Participation in, or completion of, the CFA program is advantageous.
  </li>
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   Prior exposure to asset-backed finance (e.g., transportation assets such as vessels or aircraft) is highly desirable.
  </li>
  <li>
   Familiarity with international deal structuring and multi-jurisdictional processes is a plus.
  </li>
 </ul>
</div>


Crisil

<div>
 <p>
  Key Responsibilities:
 </p>
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  <br/>
 </p>
 <p>
  -
  <strong>
  </strong>
  <u>
   Domain Related:
  </u>
 </p>
 <ol>
  <li>
   Assist global Credit Analyst(s) in cash flow analysis for Structured Finance securities
  </li>
  <li>
   Prepare cash-flow Model for structured finance deals RMBS, across EMEA and US regions) using proprietary platforms (IMAKE, Cashflow Evaluator, Intex) and ensure the correctness of the cash flow output
  </li>
  <li>
   Cash-flow Modelling involves:
  </li>
  <li>
   Analyzing, comprehending, and interpreting transaction documents such as Offering Circular, Indenture, Term-sheet etc., to understand the structure and features of the deals
  </li>
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   Retrieve appropriate data (Asset and Liability level) to prepare cash-flow model set up files
  </li>
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   Scripting payment waterfalls and related conditions as per the deal covenants using pre-built functions in the scripting tools to generate the required cash-flow output
  </li>
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   Testing the Cash-flow model through scenario analysis to comply all the requirement of legal document and the Asset Specific Cash-Flow Criteria
  </li>
  <li>
   Work on resolving Queries w.r.t Cash-flow model outputs used for ratings process
  </li>
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   Model maintenance involves regular testing and validation of models based on the most recent investor reports, statements published by issuers, servicers and revising the model to be in sync with expected outcome
  </li>
  <li>
   Stay abreast with the latest developments in the structured finance market and understand / be able to comment on their potential impact
  </li>
  <li>
   Support Global Credit Analyst(s) in analyzing the performance of a portfolio of Structured Finance transactions for any credit event
   <u>
    Process Adherence:
   </u>
  </li>
  <li>
   Focus on quality review and add analytical inputs to processes as and when needed
  </li>
  <li>
   Create and maintain base level training material, process manuals and related documentation to ensure smooth execution of tasks
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   Adopt the defined processes in day-to-day execution of assignments
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   Identify process improvement avenues that leads to value addition to work
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   Ensure gained knowledge is retained and documented through operating manuals
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   Work with other teams and suggest methods to improve efficiency of the existing process
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 </ol>
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  7. Strictly practice and follow all compliance, confidentiality and information security policies and procedures and related guidelines of the organization
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 </p>
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   Client Management / Stakeholder Management:
  </u>
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   Build and maintain relationships with onshore Analyst and respective stakeholders
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   Set expectations with clients for the routine tasks (viz., scope of work, timelines, etc.)
   <u>
    People Development:
   </u>
  </li>
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   Provide mentoring / training to junior members of the team
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   Implement team-level initiatives (co-curricular activities)
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   Familiarize new recruits to the team and organization
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 </p>
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  <strong>
   Expected Candidate Profile: -
  </strong>
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 <ol>
  <li>
   Understanding of Fixed Income AND/OR Structured Finance / Securitization concepts
  </li>
  <li>
   Excellent oral and written communication skills
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   Positive attitude with qualities of a team player and Solution oriented
  </li>
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   Ability to take ownership and execute tasks independently
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   Ability to deal with pressure and open to new ideas and initiatives
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   Ability to build client relations and take a view based on client guidance
  </li>
 </ol>
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  <strong>
  </strong>
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  <strong>
   Essential Qualification: -
  </strong>
 </p>
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  Two years full-time MBA (Finance) OR Equivalent
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  <strong>
   Preferred Qualification: -
  </strong>
 </p>
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  Two years full-time MBA/PGDM (Finance) OR Equivalent degree in Quantitative Finance OR (CFA / FRM) with 3-5 years of work experience in Structured finance (ABS / RMBS / CLOs).
 </p>
 <p>
 </p>
</div>


Rank Group

<div><div><div><h2 class="jobSectionHeader"><b>Careers</b></h2>
<div><h5 class="jobSectionHeader"><b>If you are looking for an exciting opportunity, feel free to showcase your talent by sending your resume on </b><b>hr@rankgroup.in</b><b> with a subject line </b><b>&quot;I am the Best&quot;</b><b> which also captures your unique skills and qualities.</b></h5></div></div></div></div><p></p>
<br><div><p>Credit Analyst</p>
<p>Qualification: CA/MBA</p>
<p>Experience: 2+ years</p></div><p></p>

Farm Credit Services of America

<div><p>AgCountry Farm Credit Services (AgCountry), Farm Credit Services of America (FCSAmerica) and Frontier Farm Credit are financial cooperatives that operate under shared management across eight states. While each association is owned by its local farmers and ranchers, they collaborate by pooling resources, expertise, and talent to provide affordable credit, crop insurance, and financial services.<br>
<br>
Our associations are united by a common mission and commitment to serving rural America and supporting each other, which drives the success of the farmers, ranchers, and agribusiness we serve. We take pride in being a great place to work, and this enthusiasm is reflected in the relationships our team members foster with one another and with our customers.</p><p></p><div><div><div><h2 class="jobSectionHeader"><b><br>
Job Summary</b></h2></div><div><p>
As a Credit Analyst Intern at Farm Credit Services of America you will gain an understanding of credit philosophies and lending activities for agricultural producers and agribusinesses. This is a great opportunity to gain in-depth experience and learn the primary responsibilities of a Credit Analyst.</p><p></p><p><br>
Our interns work on projects that matter&mdash;and teams will rely on your skills and insights to help deliver those projects to market. You&rsquo;ll get the opportunity to work on real projects and have fun along the way.</p></div></div><div><div><h2 class="jobSectionHeader"><b>
Essential Duties &amp; Responsibilities</b></h2></div><div><ul><li>
Gain exposure to our credit philosophies for short, intermediate and long-term financing.</li><li>
Learn resources and techniques for underwriting loans.</li><li>
Make decisions on new and existing operating, term and real estate loan applications.</li><li>
Input customer financial information and analyze balance sheets, income statements and cash flows.</li><li>
Research industry information.</li><li>
Attend and participate in team meetings.</li><li>
Complete special projects assigned by the leader, if applicable.</li><li>
Spend time in our retail offices to learn about the loan administration and closing processes.</li><li>
Spend time with Financial Officers to learn about the sales processes and potentially meet with customers.</li><li>
Attend class(es) facilitated by our Organizational Development and Learning teams, if appropriate.</li><li>
Promote The Association through various public activities (this could include volunteer activities, farm shows, external learning opportunities, etc).</li></ul></div></div><div><div><h2 class="jobSectionHeader"><b>
Requirements</b></h2></div><div><ul><li>
Currently pursuing a degree in Finance, Accounting, Business or similar field of study</li><li>
Minimum of 3.0 GPA on a 4.0 scale</li><li>
Demonstrated leadership abilities</li><li>
Effective communication and interpersonal skills (both written and verbal)</li><li>
Available for a 12-week internship during the summer</li></ul></div></div><div><div><h2 class="jobSectionHeader"><b>
Intern Benefits</b></h2></div><div><ul><li>
Qualified interns will receive a competitive hourly wage and $500 sign-on bonus</li><li>
Relocation assistance is available for those who qualify</li></ul><p></p><p><br>
*We reserve the right to close this posting early if we receive a high volume of qualified applications.*</p></div></div></div><p></p><p><b><br>
About Us:</b></p><p>
AgCountry has 45 offices, is based in Fargo, North Dakota and serves portions of North Dakota, Minnesota, and Wisconsin, FCSAmerica is based in Omaha, NE and has 42 local offices serving rural communities and agriculture in Iowa, Nebraska, South Dakota, and Wyoming. Frontier Farm Credit has six offices serving eastern Kansas. Together, we support nearly 82,000 producers and agribusinesses, meeting the needs of today&rsquo;s agricultural industry with our combined 2600+ employees providing lending, risk management, technology, commodity marketing, and customer and employee education.</p><p></p><p><br>
AgCountry Farm Credit Services, ACA, Farm Credit Services of America, ACA, and Frontier Farm Credit, ACA are Equal Employment Opportunity employers, and they comply with all applicable federal, state, and local fair employment practices laws.</p></div>

Credit Analyst - Intern

Portfolio Financial Service Limited

<p>We at &ldquo;Portfolio Financial Services Ltd&rdquo; is looking for &ldquo;Credit Analyst&rdquo; for Mumbai location.</p><p>Experience: 3-10 Years</p><p>Job Location: Mumbai &ndash; BKC</p><p>Designation: Credit Analyst / Sr Credit Analyst</p><p><b>Primary Functions/Responsibilities:</b></p><p>- Appraising proposals &amp; credit requirements of clients &amp; Presentation to the Management for sanctions/approvals.</p><p>- Responsible for the pre &amp; post sanctioning documentation.</p><p>- To prepare the CMA report &amp; various financial reports for the Bank.</p><p>- Ensure the compliance with organizational / Bank credit policies.</p><p>- Responsible for recovery/follow-up from customers for dues.</p><p>- Ensuring TAT with respect to obtaining sanctions, clearance from compliance groups.</p><p>- To develop, build &amp; maintain a strong relationship with our regular (loyal) Banks as well as New Banks in the state for achievement of long term business objectives.</p><p>- Track proposals &amp; Update Management on daily basis/as per the defined schedule</p><p>- Liaison with bankers for optimizing the overall cost of fund, periodic declaration etc.</p><p>- Constant updating of knowledge/information w.r.t. any changes in the compliances / processes /markets and sharing the same with the management &amp; team .</p><p>-</p><p><b>Secondary Functions/Responsibilities:</b></p><p>- Conceptualizing and implementing competent strategies with a view to penetrate new relationships and expand existing ones with Banks &amp; FIs.</p><p>- Assessing creditworthiness</p><p>- ss of clients and identifying the account sickness in incipient stage to reduce delinquency ratio.</p><p>Work Remotely</p><ul><li>No</li></ul><p>Job Types: Full-time, Permanent</p><p>Pay: &#8377;850,000.00 - &#8377;1,500,000.00 per year</p><p>Benefits:</p><ul><li>Health insurance</li><li>Paid sick time</li><li>Paid time off</li><li>Provident Fund</li></ul><p>Work Location: On the road</p>

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