credit analyst

North American Banking Company

<p>North American Banking Company has been serving Twin Cities communities since 1998, help us continue to build new and lasting personal and business relationships as a Commercial Credit Analyst in our Woodbury branch.</p><p>Job Responsibilities</p><p>This job supports our commercial and retail lending staff and is responsible for the following:</p><p>&middot; Spread financial information and prepare cash flow analysis from financial statements and tax returns for businesses and individuals using Credit Quest spreadsheet software and MS Excel.</p><p>&middot; Prepare and/or assists lenders with the preparation of timely annual credit reviews on credit customers. This primarily includes preparation of credit presentation data for annual reviews and new credit requests on existing borrowers based on previous presentations, information on ITI, existing loan documents, etc. Identifies key issues or questions on credit relationships and communicates these to the responsible lender.</p><p>&middot; Upon request of lenders<b>, </b>contact borrowers to obtain financial information or answers to key questions or issues raised.</p><p>&middot; Monitor and analyze borrowing base certificates, set up and monitor construction loan draw spreadsheets and prepares monthly report on borrowing base and construction loans outstanding.</p><p>&middot; Assist with the maintenance of credit files in a neat and organized fashion.</p><p>&middot; During process of annual review, audit loan file for proper collateral perfection, insurance, compliance with loan covenants, verify that the loan is set up on ITI correctly and ensure that approved loan terms are in the loan documents.</p><p>&middot; Order real estate appraisals and send engagement letters to appraisers as requested by business and retail lenders.</p><p>&middot; Review and recommend acceptance or rejection of residential real estate appraisals on a timely basis by completing the appraisal review checklist.</p><p>&middot; Actively participates in bank sales promotions and development activities such as community organizations and special events sponsored by the bank.</p><p>&middot; Performs other duties as assigned.</p><p>Successful candidates will have:</p><p>&middot; Bachelor&rsquo;s degree (B.A.) from four-year college or university; or three to five years related experience and/or training; or equivalent combination of education and experience.</p><p>&middot; Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures or governmental regulations.</p><p>&middot; Ability to write reports and business correspondence.</p><p>&middot; Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public.</p><p>&middot; Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra.</p><p>&middot; Ability to apply common sense understanding to carry out instructions furnished in written, oral or diagram form.</p><p>&middot; Ability to deal with problems involving several concrete variables in standardized situations.</p><p>&middot; Knowledge of Microsoft Excel, Word, ITI Software, and Credit Quest spreadsheet software.</p><p>&middot; Basic understanding of business financial statements and business and individual tax returns and how to construct cash flow models using this information.</p><p>&middot; General knowledge of applicable bank compliance policies; Bank Secrecy Act, Regulation CC, Regulation E, Regulation DD, Regulation Z, RESPA, and HMDA</p><p>What's important to us at North American Banking Company is a happy customer. To that end, when we look for a new employee, we're looking for honesty, creativity, integrity, and exceptional client service skills. If you fit that description, you've come to the right place. As a member of the North American Banking Company team, you will find a unique environment where employees are encouraged to express creativity, participate in decision-making processes, and develop skills. You will be rewarded for hard work and dedication. We offer an outstanding package of employer paid benefits.</p><p>We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, creed, religion, national origin, sex, sexual orientation, disability, protected veterans, age, marital status, familial status or status with regard to public assistance, or any other characteristic protected by law. North American Banking Company encourages veterans, people with disabilities, and minorities to apply for employment.</p><p>Job Type: Full-time</p><p>Pay: $29.00 - $34.00 per hour</p><p>Benefits:</p><ul><li>401(k)</li><li>401(k) matching</li><li>Dental insurance</li><li>Health insurance</li><li>Life insurance</li><li>Paid time off</li></ul><p>Work Location: In person</p>

Commercial Credit Analyst

Firefighters First Credit Union

<div><p>Firefighters First Federal Credit Union has proudly been serving the firefighter community since 1935. We have built trusting relationships within the fire family as the nation&rsquo;s largest exclusive firefighter credit union. Our commitment to providing our members with exceptional financial products and services, along with our legendary service, has allowed us to grow our membership nationally. Join a team that values its employees, invests in professional growth, and makes an impact in the firefighter community.</p><div></div><div><div><br>
Currently, we have an immediate opening for a<b> </b>Business Portfolio Credit Analyst<b> </b>to join our team! The Business Portfolio Credit Analyst is responsible for managing and supporting an assigned portfolio of business lending relationships through disciplined credit analysis, underwriting, portfolio monitoring, and consultative member engagement. The role focuses on evaluating credit risk, structuring sound lending solutions, and supporting responsible business loan growth while ensuring compliance with Credit Union policy, regulatory standards, and risk management practices. The Analyst works closely with Business Member Portfolio Representatives, Business Lending leadership, and business members to underwrite and approve business loans, conduct annual portfolio reviews, and produce portfolio reporting and analytics that support informed credit decisions.</div><p></p><p><b><br>
Primary Responsibilities:</b></p><div><div><div><ul><li>
Conducting annual financial reviews and risk grading for an assigned portfolio of business lending relationships by analyzing business and personal financial statements, calculating key financial ratios, updating credit conclusions in the loan origination system, and monitoring ongoing credit performance to ensure portfolio health and compliance with Credit Union loan policy and regulatory standards.</li><li>
Underwriting new business loan requests, including Small Business and Commercial Real Estate (CRE) loans, and structuring, negotiating, and packaging credit requests through approval and closing while ensuring alignment with prudent risk management practices and member needs.</li><li>
Approving or declining business credit card and small business loan requests within designated lending authority in accordance with Credit Union policies and procedures while ensuring consistent application of underwriting standards and documentation requirements.</li><li>
Preparing recurring and ad hoc portfolio reports and analyses by leveraging data analytics, including AI-enabled tools where appropriate, to identify trends, concentrations, and emerging risks and support effective portfolio monitoring and credit decisioning.</li><li>
Maintaining a thorough understanding of Business Lending policies, procedures, and applicable laws and regulations while assisting in the development, maintenance, and enhancement of lending procedures and recommending policy or process improvements as appropriate.</li><li>
Participating in special projects and cross-functional initiatives that support Business Lending and Credit Union strategic objectives by providing subject matter expertise and ensuring clear communication of outcomes.</li></ul></div></div></div></div><p></p><p><b><br>
Basic Qualifications:</b></p><div><div><ul><li>
Education: Bachelor&rsquo;s degree in Finance, Accounting, Economics or Business preferred; or equivalent professional experience.</li><li>
Minimum 5 years of experience in commercial/business lending or commercial real estate.</li><li>
All candidates must be bondable and maintain bondable status throughout employment in accordance with credit union regulatory requirements.</li></ul></div></div><p></p><p><b><br>
Benefits:</b></p><p>
We offer exceptional benefits to our employees, including:</p><ul><li>
Competitive salary with a pay for performance bonus</li><li>
Fully paid Medical, Dental, and Vision benefits package for employees.</li><li>
Fully paid Life insurance, AD&amp;D, short and long-term disability coverage</li><li>
401k plan with a 3% safe harbor from the credit union and a matching program of up to 4%</li><li>
Education reimbursement of up to $5,250 annually, along with a 0% education loan assistance program</li><li>
Pet Insurance</li><li>
4 weeks of PTO annually including 2 &frac12; days of float time.</li><li>
9 paid holidays plus 2 half days</li></ul><p></p><p><br>
Firefighters First Federal Credit Union is an Equal Employment Opportunity employer. We do not discriminate based upon race, color, religion, age, gender, marital status, physical or mental disability, medical condition, pregnancy, sexual orientation, gender identity or expression, national origin, veteran status, genetic information, or any other status protected under federal, state, or local law. Firefighters First Federal Credit Union is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. To request reasonable accommodation, contact Human Resources at careers@firefirstcu.org.</p></div>

Business Portfolio Credit Analyst

Huntington Bank

<div><h1 class="jobSectionHeader"><b>Description</b></h1><p><b>
Summary:</b></p><p>
The Credit Risk Administration Allowance Analytics team has an opening for an Allowance Credit Risk Analyst, Sr.</p><p>
This role is responsible for ensuring that processes used in the calculation and reporting of the Allowance for Credit Losses (ACL) comply with enterprise and regulatory requirements. The candidate will support Allowance governance routines, maintain process design documents, coordinate general ledger entries, and assist with compiling documentation for audit/regulatory exams. The incumbent will work as part of the larger team to assist with reporting, identifying and analyzing credit risks. This position offers visibility to senior management, Risk/Finance partners, auditors and regulators. The successful candidate will be attentive to detail, a strong communicator and proficient in time management.</p><p></p><p><b>
Duties and Responsibilities:</b></p><ul><li>
Use data analytics to evaluate credit performance within the Consumer and Commercial loan portfolios</li><li>
Closely monitor trends, industry/peer performance and the economic environment to assess any potential emerging issues</li><li>
Develop and monitor metrics/analysis based on portfolio performance</li><li>
Contribute to the bank&rsquo;s quarterly Credit Pillar Risk Assessment exercises</li><li>
Prepare management-level presentations and board packages</li><li>
Perform SOX governance activities including control review and control execution</li><li>
Coordinate activities related to internal, external and regulatory exams</li><li>
Leverage existing data sources and problem-solving to develop solutions</li><li>
Performs other duties as assigned</li></ul><p></p><p><b>
Basic Qualifications:</b></p><ul><li>
Bachelor&rsquo;s Degree</li><li>
7 years of combined financial services experience in credit, and/or risk management</li></ul><p></p><p><b>
Preferred Qualifications:</b></p><ul><li>
Minimum of 2 years of experience in SAS, SQL or other data analytics tools</li><li>
Ability to prepare concise presentations to communicate analytical findings to a wide array of audiences</li><li>
Experience driving strategic insights from credit portfolios</li><li>
High proficiency with Microsoft Office applications (Excel, PowerPoint, Word, Outlook)</li><li>
Analytical, critical thinking and problem-solving abilities</li><li>
Self-initiative, effective communication and interpersonal skills</li><li>
Detail oriented with the ability to work under pressure to meet critical deadlines</li><li>
Effective cross-functional project, resource, and stakeholder management</li></ul><p></p><p>
#LI-RP1</p><p><b><br>
Exempt Status: (Yes</b> = not eligible for overtime pay) (<b>No</b> = eligible for overtime pay)</p>
Yes<p></p><p><b>
Applications Accepted Through:</b></p>
04/30/2026<p></p><p>
Huntington expects to accept applications through at least the date above, and may continue to accept applications until the position is filled.</p><p></p><p><b>
Workplace Type:</b></p>
Office<p></p><p>
Our Approach to <b>Office </b>Workplace Type</p><p></p><p>
Certain positions outside our branch network may be eligible for a flexible work arrangement. We&rsquo;re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.</p><p></p><p><b>
Compensation Range:</b></p>
$70,000 - $140,000 Annual Salary<p></p><p>
The compensation range represents the anticipated low and high end of the base compensation range for this position. Actual compensation will vary based on various factors including but not limited to location, experience, and education. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan. In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO).</p><p></p><p>
Huntington is an Equal Opportunity Employer.</p><p></p><p>
Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.</p><p></p><p><b>
Note to Agency Recruiters:</b> Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.</p></div><p></p>

Allowance Credit Risk Analyst Sr

<div></div><div><div><ul><li><div><b>Business Unit</b>
</div><div>QNB - Kuwait
</div></li><li><div><b>Division</b>
</div><div>Risk Management
</div></li><li><div><b>Department</b>
</div><div>Risk Management
</div></li><li><div><b>Location</b>
</div><div>Kuwait, Kuwait
</div></li><li><div><b>Closing Date</b>
</div><div>16-Jul-2026
</div></li></ul></div><div><div><h5 class="jobSectionHeader"><b>About QNB</b></h5>
<p>Established in 1964 as the country&rsquo;s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.</p>
<p>QNB Group&rsquo;s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.</p>
<p>QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard &amp; Poor&rsquo;s (A), Moody&rsquo;s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.</p>
<p>Based on the Group&rsquo;s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.</p>
<p>QNB Group has an active community support program and sponsors various social, educational and sporting events.</p>
</div></div><div><div><div><h5 class="jobSectionHeader"><b>Job Purpose Summary</b></h5>
</div><div><p>The incumbent will be responsible for assisting the management of the process of credit approval on individual credit facility proposals for Corporate and Retail customers (only those retail proposals that fall outside applicable policy parameters), forwarded to them by the appropriate departments/ units. The incumbent will assess the quality of the credit exposure sought to be undertaken and adherence to established policies and procedures. The incumbent will constantly research and seek to apply best practices in credit risk, in accordance with Basel II and other relevant guidelines.</p><p></p>
</div></div><div><div><h5 class="jobSectionHeader"><b>Essential Duties &amp; Responsibilities by Dimensions</b></h5>
</div><div><p><b>A- Shareholder &amp; Financial</b></p><ul><li><p>
Perform activities within the assigned Credit Risk Strategy that reflects the Group&rsquo;s tolerance for risk and the level of profitability the Group expects to achieve for incurring various credit risks.</p></li><li><p>
Ensure the use of a standardized process for evaluating credit proposals ensuring that all approved credits are within QNB&rsquo;s Credit Risk Strategy.</p></li><li><p>
Assist the SVP of Risk in creating Key Performance Indicators (KPIs) for the department and monitor their achievement on periodic basis</p></li><li><p>
Act within the limits of the powers delegated to the incumbent and delegate authority to the respective staff and monitor same.</p></li><li><p>
Implements KPI&rsquo;s and best practices for role</p></li><li><p>
Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank.</p></li><li><p>
Demonstrate clear understanding of the important factors behind the bank's financial &amp; non-financial performance.</p></li></ul><p><b>
B- Customer (Internal &amp; External)</b></p><ul><li><p>
Coordinate with Compliance Group to ensure an appropriate response to obtain updates on regulations pertaining to credit risk review that are promulgated by the Central Bank, if any.</p></li><li><p>
Build and maintain strong and effective relationship with the all other related departments and units to achieve the Group&rsquo;s goals/ objectives.</p></li><li><p>
Provide timely and accurate information to the external and internal auditors and the Compliance function as and when required.</p></li><li><p>
Assist the SVP of Risk in the development/ finalization of Service Level Agreements (SLAs) between the respective overseas operations and Head Office units/ departments as and when needed, to the extent they relate to the business functions.</p></li><li><p>
Ensure adherence to the Turn around Times (TAT) specified in the SLAs.</p></li><li><p>
To assist customers in all their queries on Bank&rsquo;s product and seek solution to their requests.</p></li><li><p>
Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time.</p></li></ul><p><b>
C-Internal (Processes, Products, Regulatory)</b></p><ul><li><p>
Perform credit assessments, and provide credit approvals within the authority delegated to the incumbent.</p></li><li><p>
Ensure compliance with established/ approved credit risk policies and procedures and ensure that a sound environment for identifying, measuring, monitoring and controlling credit risk is in place.</p></li><li><p>
Check coordination with business unit Relationship Managers for the timely receipt of customer documents/ other information required to evaluate the credit worthiness of the proposed borrowers.</p></li><li><p>
Supervise the assessment of the credit proposals is adequate and analyses the various credit risk facets to measure a final credit risk rating including (but not limited to) an assessment of the requested facility and guarantees provided, client management and background, industry analysis, country analysis, external agency credit rating (if applicable), financial and cash flow analysis and the risk rating from the credit risk rating tool in use.</p></li><li><p>
Based on the assessment, recommend extending or declining the facility request or asking for additional security/ further structuring of the deal/ facility to safeguard the Group&rsquo;s interests.</p></li><li><p>
Ensure that all credit approvals meet overall policy guidelines and QCB regulations and to stipulate terms and conditions to mitigate the credit risk borne/ faced by the Group.</p></li><li><p>
Work towards improving overall Group credit portfolio by instilling credit risk best practices.</p></li><li><p>
Address/ facilitate correction of any weaknesses identified during assessments, audits, or examinations.</p></li><li><p>
Coordinate activities with business units to ensure the timely processing of customer credit requests within established TATs.</p></li></ul><p><b>
Continuous Improvement:</b></p><ul><li><p>
Set examples by leading improvement initiatives through cross-functional teams ensuring successes.</p></li><li><p>
Identify and encourage people to adopt practices better than the industry standard.</p></li><li><p>
Continuously encourage and recognise the importance of thinking out-of-the-box within the team.</p></li><li><p>
Encourage, solicit and reward innovative ideas even in day-to-day issues.</p></li></ul><p><b>
D-Learning &amp; Knowledge</b></p><ul><li><p>
Possess an understanding of business processes and controls in all related credit/ operational areas.</p></li><li><p>
Maintain an understanding of all pertinent regulations as well as best practices pertaining to the overall credit operations.</p></li><li><p>
Support in risk management training across all business areas within the Group.</p></li><li><p>
Proactively identify areas for professional development of self and undertake development activities.</p></li><li><p>
Seek out opportunities to remain current with all developments in professional field.</p></li><li><p>
Hold meetings with staff and assess their performance and your teams overall performance on a regular basis.</p></li><li><p>
Take decisive action to ensure speedy resolution of unresolved grievances or conflicts within the team members.</p></li><li><p>
Identify development opportunities and activities for staff and facilitate/coach them to improve their effectives and prepare them to assume greater responsibilities.</p></li></ul><p><b>
E-Legal, Regulatory, and Risk Framework Responsibilities</b></p><ul><li><p>
Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML &amp; CTF, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy).</p></li><li><p>
Understand and effectively perform your role under the Three Lines of Defence principle to identify measure, monitor, manage and report risks.</p></li><li><p>
Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.</p></li><li><p>
Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements.</p></li><li><p>
Maintain appropriate knowledge to ensure full qualification to undertake the role.</p></li><li><p>
Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence.</p></li><li><p>
Attend mandatory (internal and external) seminars as instructed by the Bank.</p></li></ul><p><b>
F-Other</b></p><ul><li><p>
Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information.</p></li><li><p>
Maintaining utmost confidentiality concerning customer and internal bank information obtained during the course of business and provide such information on a need to know basis only to Senior Management of QNB, Audit and Compliance functions, and relevant Regulators.</p></li><li><p>
Maintain high professional standards to uphold QNB's reputation and to strengthen its market leadership position.</p></li><li><p>
All other ad hoc duties/activities related to QNB that management might request from time to time.</p></li></ul>
</div></div><div><div><h5 class="jobSectionHeader"><b>Education and Experience Requirements</b></h5>
</div><div><ul><li><p>University graduate (Bachelor&rsquo;s degree) preferably with a Major in Finance, Banking, Economics, Mathematics, or Business Administration (related field of study), Masters preferred.</p></li><li><p>
Professional certification such as PRM, CPA, CFA is preferred.</p></li><li><p>
Sound typically a Minimum of 8 years&rsquo; experience in a major bank of which at least 2 years in bank in a supervisory capacity in risk function.</p></li></ul>
</div></div><div><div><h5 class="jobSectionHeader"><b>Note: you will be required to attach the following:</b></h5>
</div><div><div><ul><li>Resume/CV</li></ul>
<ul><li>Copy of your Passport
</li></ul><ul><li>Copy of Education Certificate</li></ul></div></div></div></div></div><div></div>

Senior Manager - Credit Risk

BMO Financial Group

<div><div><div><div><div><div><div><div><p>Application Deadline:
</p></div></div></div></div></div></div></div>04/30/2026
<p></p><p>Address:
</p>320 S Canal Street
<p></p><p>Job Family Group:
</p>Commercial Sales &amp; Service
<p></p><p><b>This role supports our National Industries Team (NIT) within the Commercial Bank. NIT provides national coverage of a diversified client base, notably mid-corporate companies that access both pro-rata and institutional markets. Specialty industry coverage of Business &amp; Professional Services, Insurance, Metals, and Transportation/Logistics. </b>Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients. Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment.
</p><p></p><ul><li>Negotiates loan structures and terms and conditions that align client requirements with the bank risk appetite and policies.
</li><li>Assesses client repayment capacity by utilizing financial models and analytical tools to recommend appropriate loan structures and collateral requirements.
</li><li>Signs off on new, renewal and extension loans within delegated authority.
</li><li>Monitors portfolio to identify deteriorating credit conditions and compliance, analyses metrics, and assesses broader industry trends to spot risks and opportunities.
</li><li>Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives.
</li><li>Leads proposal development and delivers presentations to capture new business and expand client relationships.
</li><li>Networks with industry contacts to gather competitive insights and best practices.
</li><li>Develops and executes business development plans focused on enhancing client relationships and growth opportunities within the portfolio.
</li><li>Builds and maintains client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners.
</li><li>Structures and supports new, renewal and extension loans aligned with client needs and bank &amp; risk policies
</li><li>Conducts financial analysis and risk assessments of clients&rsquo; credit information, for an assigned portfolio, to provide insights and make informed decisions
</li><li>Monitors the portfolio performance for assigned portfolio of Commercial Banking clients on an ongoing basis, taking corrective action when required.
</li><li>Minimizes BMO&rsquo;s risk exposure by adhering to credit policies, regulatory standards, and operational guidelines.
</li><li>Serves as a point of contact for service requests, ensuring expectations are consistently met or exceeded. Escalates issues when needed.
</li><li>Supports and implements initiatives to enhance service quality, acquire new business and expand client relationships.
</li><li>Identifies revenue and cross-selling opportunities to enhance portfolio growth.
</li><li>Identifies share of wallet opportunities.
</li><li>Leverages analysis tools to nurture and grow a portfolio that exceeds ROE thresholds and evaluates client returns on a proactive basis.
</li><li>Manages timely and accurate data entry into BMO's systems and leverages the data to support decision-making.
</li><li>Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.
</li><li>Provides specialized consulting, analytical and technical support.
</li><li>Exercises judgment to identify, diagnose, and solve problems within given rules.
</li><li>Works independently and regularly handles non-routine situations.
</li><li>Broader work or accountabilities may be assigned as needed.
</li><li>Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.
</li></ul><p></p><p><b>Qualifications:
</b></p><ul><li>Preferred 5 &ndash; 7 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment.
</li><li>If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
</li><li>Bachelor&rsquo;s degree required; Business Administration, Finance and Accounting preferred. Any other related discipline or commensurate work experience considered.
</li><li>Deep knowledge and technical proficiency gained through extensive education and business experience.
</li></ul><p>Foundational level of proficiency:
</p><ul><li>Structuring Deals
</li></ul><p>Advanced level of proficiency:
</p><ul><li>Problem Solving
</li><li>Collaboration
</li><li>Detail-Oriented
</li><li>Customer Service
</li><li>Loan Structuring
</li><li>Regulatory Compliance
</li><li>Portfolio Management
</li><li>Credit Risk Assessment
</li><li>Banking Operations
</li><li>Microsoft Office
</li></ul><p>Expert level of proficiency:
</p><ul><li>Financial analysis
</li></ul><p></p><p><b>Salary </b><b>:
</b></p>$88,800.00 - $165,600.00
<p></p><p><b>Pay Type:
</b></p>Salaried
<p></p><p>The above represents BMO Financial Group&rsquo;s pay range and type.
</p><p></p><p>Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group&rsquo;s expected target for the first year in this position.
</p><p></p><p>BMO Financial Group&rsquo;s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards
</p><p></p><p><b>About Us
</b></p><p></p><p>At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.
</p><p></p><p>As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one &ndash; for yourself and our customers. We&rsquo;ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we&rsquo;ll help you gain valuable experience, and broaden your skillset.
</p><p></p><p>To find out more visit us at http://jobs.bmo.com/us/en
</p><p></p><p>BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.
</p><p></p><p>BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information.
</p><p></p><p>Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.</p></div>

Commercial Banking VP Portfolio Manager - National Industries

FUTURE PIPE INDUSTRIES

<p></p><div><div><p><b>ABOUT THE ROLE</b></p>
<p>
Future Pipe Industries is looking for a Credit Controller II to join our Credit &amp; Collections team. In this role, you will provide analytical support across credit control processes, act as a second-level authority for new client acceptance, and take ownership of complex, non-routine collections activities. You may also step into a team leadership capacity as the function evolves.</p>
<p><b>
Key Responsibilities</b></p>
<ul><li> Coordinate the client acceptance process and evaluate new clients within established credit control systems</li></ul>
<ul><li> Investigate aged debt and liaise directly with debtors and account managers to clarify issues and maximise cash collections</li></ul>
<ul><li> Track financial performance against budgets, identify variances, and report findings to senior stakeholders</li></ul>
<ul><li> Collate and analyse credit data independently using preset tools, methods, and reporting formats</li></ul>
<ul><li> Contribute to the preparation of data analytics and credit performance reports</li></ul>
<ul><li> Serve as the escalation point and technical reference for the credit control team, resolving non-standard operational issues</li></ul>
<ul><li> Ensure all activities comply with company policies, regulatory codes, and relevant codes of conduct</li></ul>
<ul><li> Continuously build personal capability through training, coaching, and staying current with industry best practices</li></ul>
<ul><li> Update customers' profile, including data in system and Simah</li></ul></div><p></p>
<h4 class="jobSectionHeader"><b>Skills</b></h4>
<p></p><div><p><b>Qualifications</b></p>
<ul><li> Bachelor&rsquo;s degree in Accounting, Finance, or a related field</li></ul>
<ul><li> Proficiency in ERP and BI tools such as BAAN, SAP, or Power BI</li></ul>
<p><b>
Experience</b></p>
<ul><li> 3&ndash;5 years in credit control, collections, or accounts receivable within a mid-to-large organisation</li></ul>
<ul><li> Demonstrated ability to work independently on complex credit analysis and collections cases</li></ul>
<p><b>
Skills</b></p>
<ul><li> Financial analysis, modelling, and data interpretation</li></ul>
<ul><li> Budget tracking and variance reporting</li></ul>
<ul><li> Economic sanctions screening and Anti-Money Laundering (AML) technical knowledge</li></ul>
<ul><li> Statistical techniques and data analysis methods</li></ul>
<ul><li> Risk management and database reporting</li></ul>
<ul><li> Strong verbal and written communication skills</li></ul>
<p><b>
KEY COMPETENCIES</b></p>
<p>
Manages Complexity &middot; Business Insight &middot; Financial Acumen &middot; Ensures Accountability &middot; Plans and Aligns &middot; Tech Savvy &middot; Resourcefulness &middot; Collaborates</p></div><p></p>
<h4 class="jobSectionHeader"><b>Education</b></h4>
<div><p>Finance-Accounting</p></div></div><p></p>

Credit Controller ll

Valley Bank

<div><div>Responsibilities include but are not limited to:</div>
<ul><li>Represents the bank in conducting active prospect and customer business development activities designed to generate new loan, deposit and related business for the line of business, while meeting the Bank's existing and prospective business customer's needs.</li>
<li>Manages relationships with business banking clients through service and support, such as overseeing maintenance of client accounts and ensuring client's needs are met.</li>
<li>Establishes strong referral network and relationships with commercial real estate agents, brokers, CPA's, accountants, attorneys, and other Centers of Influence (COI's).</li>
<li>Develops strong professional relationships with other Bank department associates, as well as supplemental business lines and vendors to cross sell and generate appropriate business product and service recommendations to help clients meet their goals and expand client relationships.</li>
<li>Actively collaborates with other lines of business to ensure the clients specific needs are met.</li>
<li>Provides quality customer service to existing customers and accounts through problem resolution and maintains consistent communications with clients through onsite visits and outbound calls.</li>
<li>Develops and maintains intimate knowledge of the policies, Bank guidelines for their business line.</li>
<li>Refers lending opportunities, treasury management, insurance, residential mortgage, and deposit relationships to bank partners.</li>
<li>Participates in civic and community activities to promote the Bank's diverse products and services, maintains professional network relationships and strengthen community ties.</li>
<li>Interviews loan applicants, analyzes financial and related data to establish credit worthiness; establishes and negotiates credit terms, and monitors customers' credit.</li>
<li>Monitor outstanding loans and take necessary collection actions on past dues.</li>
<li>Educates the borrower on business line process, structure, and set expectations.</li>
<li>Analyzes, determines eligibility, originates, and structures loan requests.</li>
<li>Submits complete documentation packages to the credit. Assists in the credit analysis and underwriting process as needed.</li>
<li>Recommends approval of customer applications for commercial loans.</li>
</ul><div></div>Requirements:
<div><b>Required Skills:</b></div>
<div><ul><li>Excellent interpersonal skills and written and verbal communication skills.</li>
<li>Ability to calculate figures and amounts such as discounts, interest and percentages.</li>
<li>Ability to work independently, manage multiple projects and meet deadlines.</li>
<li>Ability to prioritize and organize assignments while working on multiple projects simultaneously.</li>
<li>Intermediate PC skills, knowledge of Microsoft Office software, and referral tracking programs, such as Sales Force.</li>
</ul><div><b>Required Experience:</b></div>
<ul><li>High School diploma or GED with a minimum of 3 years of related bank lending sales experience or a combination of sales/credit analysis experience.</li>
<li>Bachelor's degree in Business, Accounting or Finance with a minimum of 3 years of bank lending sales experience and a minimum of 1 year of credit analysis experience is preferred.</li>
</ul>
</div><br>
Additional Details : At Valley Bank, we believe in people's growth potential. We invest in it. We protect it. We focus it. For nearly 100 years, we've been the Bank that clients from every industry turn to for our expertise, strategies, and advice-building the kind of trust that can fuel every goal. We are the leading relationship bank built for growth-with over $60 billion in assets, 3,800 experts, and more than 200 consumer branches and commercial banking offices in communities across the US. At Valley, we're all driven by an ambition that goes deeper than just having a job. That's why when you work for us, we make it our goal to help you focus on what drives you-working to turn your passions and strengths into assets you can use to propel your ambitions and build the professional legacy you want. Because when we say we're a relationship bank built for growth, that's not just reserved for our clients-that includes all our associates as well. The Business Banker I will develop and manage client accounts for the Business Banking Division, while ensuring that these client accounts meet established requirements and maximum profitability to the financial institution at a minimum risk.<br>
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Pay Transparency In order to support the Fair Compensation Strategy by the US Govt., HR Dept., clients are required to adhere to &quot;Pay Transparency Law&quot;; in the impacted states; that have mandated the employers to list the salary ranges in Job advertisements or postings for job opportunities and Job promotions.</div>

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