credit card analyst

Crintell Technologies LLC

<div>Direct hire Compliance &amp; Risk Analyst position open in Greenville, SC for an analyst or auditor with internal credit card and vendor testing and remediation experience in the banking industry. This is a direct hire position with an on-site schedule. The ideal candidate must have a strong understanding of federal and state consumer lending laws, using their principles during an audit of internal and vendor company records. Must have experience in credit card and vendor auditing systems, processes, risk and documentation. 
 
Excellent salary, benefits, and a great work culture awaits you! Grow with a 16 person compliance team in a state-of-the-art office in the heart of Downtown Greenville. Great opportunity for upward mobility! Join a dynamic team where you will oversee the risk management and continuous monitoring of regulatory adherence and internal policies. 
 
Qualifications:
<ul><li>3+ years of experience in INTERNAL</li>
<li>Credit Card Compliance Audit and Testing</li>
<li>Experience in</li>
<li>third party compliance audit (contractual language, legal, regulatory requirements)</li>
<li>Strong knowledge of federal and state consumer financial laws (UDAAP, Truth in Lending - TILA, Truth in Advertising, ECOA, Consumer Harm, Fair Credit Reporting Act, Fair Lending Act, Regulation E, Regulation Z)</li>
<li>Loan sample quantitative and qualitative analysis experience - Excel and SQL preferred</li>
<li>CTPRP preferred</li>
<li>Banking experience preferred</li> 
</ul> 
Responsibilities:
<ul><li>Conduct Internal risk assessments on processes, systems and documentation to ensure compliance with federal and state regulations.</li>
<li>Analyze data trends, identify root causes, and recommend improvements.</li>
<li>Conduct external third party risk assessments.</li>
<li>Prepare detailed documentation and present findings.</li>
<li>Monitoring and ensuring timely remediation of ineffective controls across the corporation.</li>
<li>Test changes and new implementations within the company's change management process.</li> 
</ul> 
 
Perceptive Recruiting, LLC, headquartered in Greenville, SC, has 27+ years of technology recruitment experience. We build relationships with our clients so we can find you the right cultural and technical fit for your next role. We provide guidance every step of the interview process to give you the best chance of success. Looking for your next opportunity?
Connect with us today! Perceptive Recruiting is an equal opportunity employer.</div>

Compliance & Risk Analyst - Lending (Credit Card)

NJT FINANCE PRIVATE LIMITED

About the Company: NJT Finance Private Limited is a leading NBFC specializing in business loans for SMEs and MSMEs. We are committed to providing fast, flexible, and reliable credit solutions to support business growth.Role Overview: The Credit Analyst will be responsible for assessing loan applications, analyzing financial documents, evaluating creditworthiness, and recommending loan decisions in line with internal policies and risk frameworks.Key Responsibilities:<ul><li>Evaluate business loan proposals received from sales teams and channels.</li><li>Analyze financial statements, bank statements, GST returns, ITRs, and other business documents.</li><li>Conduct background checks, market references, and due diligence on applicants.</li><li>Perform credit risk assessment and prepare detailed credit appraisal notes.</li><li>Recommend sanction decisions within defined authority levels or escalate for approval.</li><li>Coordinate with Operations, Sales, and Risk teams for smooth processing.</li><li>Ensure compliance with company credit policies and regulatory guidelines.</li></ul>Required Qualifications &amp; Skills:<ul><li>CA Intermediate/Master&rsquo;s degree in Finance, Commerce, Business, or related fields.</li><li>2 years of experience as a Credit Analyst / Underwriter in NBFC/Bank (Business Loans / SME Loans preferred).</li><li>Strong knowledge of financial statement analysis, cash flow assessment, and credit risk evaluation.</li><li>Proficiency in MS Excel and financial ratio analysis.</li><li>Good communication, documentation, and decision-making skills.</li></ul>Job Type: Full-timePay: &#8377;25,000.00 - &#8377;35,000.00 per monthWork Location: In person

Credit Analyst

The Content House

We are seeking a detail-oriented and analytical Dispute/Chargeback Analyst to join our dynamic team. In this role, you will be the first line of defense in managing and resolving payment disputes and chargebacks for our company. Your expertise will be crucial in protecting revenue, minimizing financial loss, and ensuring a positive experience for our valued customers.Key Responsibilities:<ul><li>Investigate, process, and manage the end-to-end chargeback lifecycle for various card networks (Visa, Mastercard, Amex, etc.).</li><li>Analyze transaction data, customer correspondence, and merchant policies to build compelling representment cases.</li><li>Prepare and submit compelling evidence packages to contest invalid chargebacks through acquiring banks and payment processors.</li><li>Accurately process and resolve chargebacks in favor of the customer when valid.</li><li>Monitor dispute trends to identify potential fraud or systematic issues and report findings.</li><li>Maintain up-to-date knowledge of card network rules, regulations, and compliance requirements.</li><li>Collaborate with internal teams such as Customer Service, Finance, and Fraud Prevention to gather necessary information.</li></ul>Job Type: Full-timePay: Rs200,000.00 - Rs300,000.00 per monthWork Location: In person

Dispute/Chargeback Analyst

Little Horn State Bank

The Credit Analyst position is a learning and training position that can lead to a future as a lender or other positions within the bank. This position will start in the teller and Operations area of the bank. The position will progress into the backroom of lending &ndash; from gathering data, analyzing cash flows, building financial statements, building loan presentations and verifying information on borrowers. Analyst will have the ability to provide excellent customer service, not only with bank customers but also with co-workers throughout the bank. They would be able to learn quickly and be open to handling a challenging environment daily. The Analyst is responsible for learning compliance and regulations, while generating loans of all types in accordance with established loan and compliance guidelines. This position may have customer interaction ranging from marketing to collection activities. The analyst shall be a contributing member of daily functioning of the bank. Promote the improvement of Little Horn State Bank through quality customer service, promotion of products, professionalism in conduct and diligent work ethic. Greet all customers pleasantly and make them feel welcome. Handle transactions quickly and professionally, use effective listening skills to identify and resolve customer needs.Job Type: Full-timePay: $30,000.00 - $50,000.00 per yearBenefits:<ul><li>401(k)</li><li>401(k) matching</li><li>Dental insurance</li><li>Flexible schedule</li><li>Flexible spending account</li><li>Health insurance</li><li>Health savings account</li><li>Paid time off</li><li>Retirement plan</li><li>Vision insurance</li></ul>Education:<ul><li>High school or equivalent (Preferred)</li></ul>Experience:<ul><li>Fair Housing Regulations: 1 year (Preferred)</li><li>Loan Processing: 2 years (Preferred)</li></ul>Work Location: In person

ThompsonGas

<div>ThompsonGas is the nation&rsquo;s fastest growing propane retailer, and we are looking for innovative, outside of the box thinkers who want to make an impact. We are rethinking the way we do business and, as a result, our employees are empowered to take an idea and run with it. If you are looking for an environment that will allow you the freedom to drive change, create an unrivaled customer experience and have fun while you&rsquo;re doing it &ndash; then ThompsonGas is for you!
We are seeking an Area Credit Analyst to join our growing credit and collections team! This role will support our Coastal Plains area. Reporting to the Director of Quality Assurance, but having dotted lines to area leadership, the Area Credit Analyst will manage all credit and collections activities within assigned territories utilizing company billing, collection, and financial reporting systems.
Essential Job Duties:<ul><li>
Manage all credit and collections activities within assigned territories utilizing available data from company&rsquo;s billing and collection systems.</li><li>
Partner with the Area Vice Presidents and Area Customer Service Managers on achieving and reporting on all collection performances.</li><li>
Monitors and enforces financial policies, procedures, and internal controls relating to the collection process.</li><li>
Review, prepare, and proactive analysis of weekly collection statuses and updates.</li><li>
Key liaison to third party collection agency.</li><li>
Able to comfortably communicate during interaction with internal and external customers.</li><li>
Coordinate late notice administration and maintain credit hold release within assigned territories.</li><li>
Perform comprehensive collections outreach via outbound calls to negotiate payment resolutions and ensure timely recovery.</li><li>
Effectively negotiate with sensitive or high dollar customers during collection or dispute resolution.</li><li>
Monthly Budget renewals, reviews, and collections.</li><li>
Other duties as assigned.</li></ul> 
Education and Experience:<ul><li>
A bachelor&rsquo;s degree in finance or related degree preferred.</li><li>
2+ years of experience in corporate credit and collections environment.</li><li>
Experience in retail energy and gas, specifically propane industry preferred, but not required.</li><li>
Selected candidate must be customer service oriented, a self-starter and highly driven.</li><li>
Advanced system skills and experience with Microsoft Office (Word/Excel) required.</li><li>
Problem solving and analytical skills required.</li><li>
Must be able to effectively overcome objections while balancing Empathy with Collections.</li></ul> 
PERKS WITH US!<ul><li>
Medical, Dental, Vision, and 401k with IMMEDIATE eligibility</li><li>
Disability and life insurance</li><li>
Paid time off that increases with tenure</li><li>
Daily Pay Option that offers great flexibility and financial control</li><li>
Employee training programs with career development/advancement opportunities</li><li>
Employee recognition program</li><li>
Quarterly bonus potential</li><li>
Paid maternal and parental leave benefits</li><li>
Tuition reimbursement program</li></ul> 
ThompsonGas provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, ThompsonGas complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, and transfer, leaves of absence, compensation and training.</div>

Area Credit Analyst

Crisil

<div>
 
 Key Responsibilities:
 
 
 
 
 
 -
 
 
 
 Domain Related:
 
 
 <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>
 <li>
 Retrieve appropriate data (Asset and Liability level) to prepare cash-flow model set up files
 </li>
 <li>
 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>
 <li>
 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>
 <li>
 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
 
 Process Adherence:
 
 </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
 </li>
 <li>
 Adopt the defined processes in day-to-day execution of assignments
 </li>
 <li>
 Identify process improvement avenues that leads to value addition to work
 </li>
 <li>
 Ensure gained knowledge is retained and documented through operating manuals
 </li>
 <li>
 Work with other teams and suggest methods to improve efficiency of the existing process
 </li>
 </ol>
 
 7. Strictly practice and follow all compliance, confidentiality and information security policies and procedures and related guidelines of the organization
 
 
 
 
 
 Client Management / Stakeholder Management:
 
 
 <ol>
 <li>
 Build and maintain relationships with onshore Analyst and respective stakeholders
 </li>
 <li>
 Set expectations with clients for the routine tasks (viz., scope of work, timelines, etc.)
 
 People Development:
 
 </li>
 <li>
 Provide mentoring / training to junior members of the team
 </li>
 <li>
 Implement team-level initiatives (co-curricular activities)
 </li>
 <li>
 Familiarize new recruits to the team and organization
 </li>
 </ol>
 
 
 
 
 
 Expected Candidate Profile: -
 
 
 <ol>
 <li>
 Understanding of Fixed Income AND/OR Structured Finance / Securitization concepts
 </li>
 <li>
 Excellent oral and written communication skills
 </li>
 <li>
 Positive attitude with qualities of a team player and Solution oriented
 </li>
 <li>
 Ability to take ownership and execute tasks independently
 </li>
 <li>
 Ability to deal with pressure and open to new ideas and initiatives
 </li>
 <li>
 Ability to build client relations and take a view based on client guidance
 </li>
 </ol>
 
 
 
 
 
 
 Essential Qualification: -
 
 
 
 Two years full-time MBA (Finance) OR Equivalent
 
 
 
 
 
 
 Preferred Qualification: -
 
 
 
 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).
 
 
 
</div>

Carter Bank

SUMMARY: 
The Credit Systems Analyst acts in the capacity of administrator on various platforms, such as Sageworks/Abrigo, and works with multiple departments to review the structure, content, and quality of system-generated reports and conducts advanced reporting. This position streamlines current processes and reports, and works on various special projects to improve the department’s efficiency as it pertains to information systems. The Credit Systems Analyst aids in the structure and reporting of but not limited to Production, Policy Exceptions, Financial Exceptions, Covenants, Criticized Assets, Annual/Semi-Annual Reviews, Appraisals, Allowance for Loan and Lease Losses (ALLL), Current Expected Credit Loss (CECL), Individual Worksheets (IWs), Restructured Loans (RLs), Credit Quality Indicators, and Changes in Criticized and Non-Accrual Loans.
 
ESSENTIAL JOB FUNCTIONS: 
<ul>
<li>Oversees the integrity of data tracked on Sageworks/Abrigo and DNA systems</li>
<li>Works with multiple departments to review the structure, content and quality of system-generated reports and maintains the correct data and conducts advanced reporting</li>
<li>Streamlines current processes and reports, and works on various special projects to improve the department’s efficiency as it pertains to information systems</li>
<li>Aids in the structure and reporting of but not limited to the Production, Policy Exceptions, Financial Exceptions, Covenants, Criticized Assets, Watch List, Annual/Semi-Annual Reviews, Appraisals, ALLL, CECL, IWs, RLs, Credit Quality Indicators, Changes in Criticized and Non-Accrual Loans and other duties as needed</li>
<li>Acts in the capacity of administrator on various platforms such as Sageworks/Abrigo</li>
<li>Run daily, monthly, quarterly, and semi-annual reports</li>
<li>Analyzes, deletes, and appends records for consistent information</li>
<li>Reviews and analyzes database error logs after daily and/or periodic imports</li>
<li>Analyzes and runs tests for better generation for financial statement information and reports</li>
<li>Creates and runs verification reports to append records for ticklers, duplicate clients, and various other pieces of information for core systems and support systems</li>
<li>May be tasked to lead routine Credit Systems area projects and update management on status</li>
</ul>
JOB REQUIREMENTS: 
<ul>
<li>Bachelor’s degree in Business, Accounting, Finance, Economics or related field</li>
<li>Additional specialized training or education in computer science, management information systems, and advanced report writing preferred</li>
</ul>
KNOWLEDGE/SKILLS REQUIRED: 
<ul>
<li>Intermediate proficiency with computers</li>
<li>Basic credit analysis skills</li>
<li>Intermediate analytical skills</li>
<li>Intermediate mathematical skills</li>
<li>Basic knowledge of credit administrative procedures, commercial lending practices, loan structures, regulations, risk assessment, products, data structures and reporting</li>
<li>Basic verbal and written communication skills</li>
<li>Basic project management skills</li>
<li>Intermediate problem-solving skills</li>
<li>Intermediate analytical planning skills</li>
<li>Basic interpersonal skills</li>
</ul>
PHYSICAL AND MENTAL QUALIFICATIONS: 
<ul>
<li>Standing, walking, bending and stooping required</li>
<li>Must be able to sit at a desk for long periods of time and use a computer</li>
<li>Must be able to occasionally move or lift up to 10 pounds</li>
<li>May be asked to work supplemental hours periodically</li>
<li>Limited travel required occasionally during and after business hours</li>
</ul>
The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified.
 NOT A CONTRACT

Credit Systems - Credit Systems Analyst

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