credit product analyst

Iverson Four, Inc

<p>Position Overview</p><p>The Credit Policy Analyst supports the execution, maintenance, and implementation of company credit policies, matrices, and guidelines across Agency and Non-Agency products.</p><p>This is a hands-on execution role focused on monitoring guideline updates, implementing approved changes, and ensuring credit guidance remains current, consistent, and aligned with established Credit Policy direction.</p><p>Key Responsibilities</p><p>Monitor, interpret Agency and Non-Agency guideline updates and implement approved changes.</p><p>Update and maintain credit policies, guidelines and product matrices.</p><p>Draft proposed policy and guideline revisions for review and approval.</p><p>Respond to internal credit policy interpretation and clarification requests.</p><p>Track effective dates and maintain version control documentation.</p><p>Support accuracy and integrity of published credit materials.</p><p>Perform other related duties and support Credit Policy initiatives as assigned.</p><p>Qualifications</p><p>Minimum 2 years of mortgage experience with direct exposure to credit policy execution.</p><p>Experience with Agency guidelines and Non-QM exposure preferred.</p><p>Demonstrated experience interpreting investor guideline updates.</p><p>Strong analytical and written communication skills.</p><p>Detail-oriented and organizational capabilities.</p><p>Proficient in Encompass or similar LOS platforms.</p><p>Ability to work independently in a structured execution environment.</p><p>Compensation: $75,000- $110,000 annually</p><p>Pay: $75,000.00 - $110,000.00 per year</p><p>Benefits:</p><ul><li>401(k)</li><li>Dental insurance</li><li>Employee assistance program</li><li>Employee discount</li><li>Flexible spending account</li><li>Health insurance</li><li>Health savings account</li><li>Life insurance</li><li>Paid time off</li><li>Referral program</li><li>Retirement plan</li><li>Vision insurance</li></ul><p>Work Location: Hybrid remote in Lake Forest, CA 92630</p>

Credit Policy Analyst

First Bank and Trust Company

<div></div><div><div><div><div><div><p>The First Bank and Trust Company is seeking an <b>Experienced Commercial Credit Analyst</b> to be located in the Shenandoah Valley region to support the bank&rsquo;s commercial and agricultural lending activities and to contribute to the overall credit quality of the bank. The Commercial Credit Analyst will be responsible for the thorough credit analysis of commercial and agricultural loan requests and of all related financial information and for assessing the credit-worthiness of commercial and agricultural loan requests. The Credit Analyst will also be responsible for providing complete, accurate and objective written reports presenting all financial information and summarizing the strengths and weaknesses of commercial and agricultural loan requests for use in the making of lending decisions.</p><p>
A bachelor&rsquo;s degree in Accounting, Finance and Business and/or Economics (with sufficient credits in accounting) is required. Three to five years of commercial credit analysis and/or financial accounting experience is required. The candidate must possess strong financial analysis and accounting skills, strong critical thinking skills, strong written and verbal communication skills, a strong attention to detail, be well organized, and be able to work in a team environment. The candidate must also have strong computer skills, including Microsoft Word and Excel.</p><div><div><div><div><div><div><div><div><div><div><div><div><div><p><b>
BENEFITS FOR FULL-TIME EMPLOYEES:</b></p><ul><li>
PTO Leave is 20 Days per year earned monthly.</li><li>
First Bank and Trust recognizes 11 paid holidays, when the holidays occurs during the work week.</li><li>
Medical, Dental and Vision Insurance coverage starts the 1st day of the month after hire date.</li><li>
Employees are automatically enrolled in the bank's 401K/ESOP Plan.
</li><li>First Bank and Trust provides basic life insurance coverage equal to two times an employees' base salary.</li><li>
First Bank and Trust provides long-term disability Insurance coverage.</li></ul><p><b>
First Bank and Trust is an Equal Opportunity Employer </b>EOE/AA/M/F/Disabled/Veteran</p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div><p></p>

Commercial Credit Analyst

HSBC

<p></p><div><p><b>Analyst (UAE National Role) &ndash; Business Credit Office - Job ID: 28227</b></p><p></p><p><b><br>
Some careers shine brighter than others.</b></p><p>
If you&rsquo;re looking for a career that will help you stand out, join HSBC and fulfil your potential.</p><p></p><p><br>
HSBC Corporate and Institutional Banking (CIB) is an emerging markets-led, financing-focused business that provides investment and financial solutions. Through our international network, we connect emerging and mature markets, covering key growth areas. We partner with our corporate, government and institutional clients to help them achieve consistent, long-term performance. Our products and services include advisory, financing, prime services, research and analysis, securities services, trading and sales and transaction banking.</p><p></p><p><br>
Credit &amp; Capital Management Services (CCMS) under CIB are in the process of implementing a new, modern, and consistent E2E operating model. A key component of this operating model is the introduction of a first line credit management office, the Business Credit Office (BCO). The BCO function will complete tasks currently owned by multiple actors in the management of the first line credit risk responsibilities including structuring, credit analysis and rating recommendation, client credit monitoring tasks, credit terms and docs negotiation with WCMR and clients acting as a single handoff from a RM to the BCO for all Credit &amp; Lending (C&amp;L) tasks, creating a single control point. The function will be client facing and customer service orientated.</p><p></p><p><br>
We are currently seeking an ambitious UAE National to join the team as an Analyst who will provide credit advisory and support services to BCO Managers and Relationship Managers (RMs) / Coverage. The role holder is responsible for co-ordinating and completing credit applications or renewals as well as managing risk escalation. In discharging their duties, the role holder must implement a common, reliable, and predictable underwriting and lending process, that protects the business from exposure, whilst responding to clients borrowing needs. The role holder will report to the BCO Manager and will work closely with the Coverage and Transaction Support teams to ensure seamless customer experience and consistency of service for all customers.</p><p></p><p><b><br>
In this role, the key responsibilities will include:</b></p><p></p><ul><li><br>
Responsible for the delivery of BCO tasks in line with agreed OKRs, SLAs and KPIs</li><li>Support the end-to-end Credit &amp; Lending servicing journey, ensuring a seamless and efficient process for both customers and internal stakeholders</li><li>Assist the Relationship Manager with credit analysis and the timely submission of credit proposals for facilities for both existing and prospective clients</li><li>Liaise with relevant teams for the preparation of facility letter and any other internal security documents. Ensure completeness of security documentation prepared by external legal counsel.</li><li>Proactively manage the credit quality of the supported portfolio by i) conducting periodic credit reviews; ii) tracking and reporting of compliance with covenants and conditions of approval; and iii) promptly escalating deviations to the Risk team for resolution.</li><li>Actively participate in training sessions to continue to develop credit skills, product knowledge, industry knowledge and client management skills.</li><li>Ensure the consistent application of HSBC policies and adherence to regulatory, financial, and legal standards to minimise business and reputational risks</li><li>Support the BCO Manager and Team Lead on ad-hoc requirements and other strategic initiatives to streamline and simplify end-to end credit &amp; lending process</li><li>Participate in deal discussions and meetings with clients as required</li><li>Protect the Bank by acting as First Line of Defence and adhering to all controls</li><li>Maintain HSBC internal control standards, including timely implementation of internal and external audit recommendations, along with addressing any issues raised by external regulators.</li></ul><p></p><p><b><br>
To be successful in the role, you should meet the following requirements:</b></p><p></p><ul><li><br>
Experience gained at a boutique advisory or big four institution is highly preferred</li><li>Bachelor&rsquo;s degree in business, Finance or a related field is desirable</li><li>Analytical with a keen eye for details</li><li>Comprehensive understanding of risk management and proven experience in ensuring compliance (self and others) with organisational and regulatory requirements</li><li>Strong communication and interpersonal skills, with the ability to collaborate effectively with diverse stakeholders</li><li>A graduation degree is essential for obtaining a UAE visa and work permit. If your university certificate is from outside the UAE, up-to-date attestations and equivalency are also mandatory (Recognition of Higher Education Qualifications Issued Outside The UAE).&rdquo;</li></ul><p><br>
You&rsquo;ll achieve more at HSBC.<br>
HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.<br>
Issued by The Hong Kong and Shanghai Banking Corporation Limited.<br>
</p><p></p><p>Management of Risk<br>
The jobholder will ensure the fair treatment of our customers is at the heart of everything we do, both personally and as an organisation, and promote an environment that supports diversity and reflects the HSBC brand.<br>
The jobholder will also continually reassess the operational risks associated with the role and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings, and the impact of new technology. This will be achieved by ensuring all actions take account of the likelihood of operational risk occurring. Also by addressing any areas of concern in conjunction with line management and/or the appropriate department.</p></div>

Analyst (UAE National Role) - Business Credit Office

<p></p><div><div><div><p><b>Position: </b><b>Credit Analyst</b></p><p></p><p><b><br>
Job Summary:</b></p><p><b><br>
</b></p><p>The Credit Analyst is responsible for providing financial support to the Credit Management team to ensure that each significant credit decision is given proper financial consideration.</p><p></p><p><b><br>
Job Location:</b></p><p>
Navi Mumbai</p><p></p><p><b><br>
Key Responsibilities</b></p><ul><li>
Perform Customer Credit Check.</li><li>
Respond to credit applications by gathering customer financial and credit information and various agency data for credit risk review in Credit assessment system, obtaining approval from credit manager for proposed credit limits and updating the customer credit record.</li><li>
Verify bank and trade references.</li><li>
Update customer financial information in credit assessment system as it becomes available.</li><li>
Analyze weekly analysts&rsquo; reports for low bonds and escalate concerning accounts to Credit Manager as applicable.</li><li>
Review accounts receivable (AR) portfolio for potential problem accounts and determine, if Credit Manager intervention is required.</li><li>
Gather account statements and invoice copies for delinquent accounts and escalate to the Legal Department.</li><li>
Monitor recent bankruptcy filings to determine exposure.</li><li>
Create credit limit change requests.</li><li>
Review and synchronize credit limits between ERPs as applicable.</li><li>
Complete request and forms related to quarterly bad debt review process.</li><li>
Prepare balance sheet reconciliations and certify as evidence of completeness for relevant AR accounts.</li></ul><p></p><p><b><br>
Experience &amp; Exposures:</b></p><br>
<p></p><ul><li>
Qualification &ndash; Preferably MBA Finance from reputed university
</li><li>Minimum 3 years post-qualification experience in similar positions or relevant role.</li></ul><p></p><p><b><br>
Experience &amp; Exposures:</b></p><br>
<p></p><ul><li>
Qualification &ndash; Preferably MBA Finance from reputed university
</li><li>Minimum 3 years post-qualification experience in similar positions or relevant role.</li></ul>
<p></p><div><div><p>
</p></div></div></div></div><div><div><div><div><p>Benefits</p>
</div></div></div></div><p></p><div><div><div><div><p>International Opportunities
</p><div><p>Global adventure, broad exposure, and limitless learning await you. You'll be part of the most multi-cultural and diverse team of experts in any industry, anywhere.</p>
</div></div></div><p></p><div><div><p>Insurance
</p><div><p>Health, vision, and dental insurance for you and your dependents available from day one.</p>
</div></div></div><p></p><div><div><p>Learning Opportunities
</p><div><p>Global adventure, broad exposure, and limitless learning await you. You'll be part of the most multi-cultural and diverse team of experts in any industry, anywhere.</p>
</div></div></div><p></p><div><div><p>Diverse and
Inclusive
</p><div><p>Our exceptional and diverse people are the pulse and spirit of who we are. Every day, you will enrich your knowledge in an environment where differences in thought, creativity and experiences are embraced.</p>
</div></div></div></div></div><div><div><div><div><p>About Us</p>
<p>We are a global technology company, driving energy innovation for a balanced planet. Together, we create amazing technology that unlocks access to energy for the benefit of all.
</p><p>Global in outlook, local in practice &ndash; and with a united, shared passion for discovering solutions, we hire talented, driven people and support them to succeed, personally and professionally.</p><p><br>
SLB is an equal employment opportunity employer. Qualified applicants are considered without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or other characteristics protected by law.</p>
<p>
We will endeavor to make a reasonable accommodation / modification to the known physical or mental limitations of a qualified applicant with a disability to assist in the hiring process, unless the accommodation would impose an undue hardship on the operation of our business, in accordance with applicable federal, state, and local law. If you believe you require such assistance to complete this form or to participate in the interview process, please contact accommodationhotline@slb.com to request assistance. Please note that only those inquiries concerning a request for reasonable accommodation will be responded to.</p>
<p>
SLB is a VEVRAA Federal Contractor- priority referral Protected Veterans requested.</p></div></div></div></div></div><p></p>

Credit Analyst

Barclays

<div><p>Embark on a transformative journey as an Analyst - Wholesale Credit Sanctioning - LevFin at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unparalleled customer experiences.<br>
<br>
Join us as an Analyst - Wholesale Credit Sanctioning - LevFin at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionise our digital offerings, ensuring unapparelled customer experiences.<br>
<br>
To be successful as an Analyst at LevFin Credit Risk, you should have:</p><ul><li><p>
Experience in corporate credit risk assessment of global credits, with a focus on the US and/or EMEA regions within the high risk/LevFin domain.</p></li><li><p>
Preparing annual/periodic credit reviews for submission to senior Risk Officers and presentation in Credit Committees.</p></li><li><p>
Stay current with financial analysis and risk profile of the assigned sectors, borrowers and counterparties.</p></li><li><p>
Actively support the senior credit officers for periodic regulatory examinations / Internal Audits / Transactions / Risk initiatives.</p></li></ul><p><br>
Some of Highly Valued Skills may include:</p><ul><li><p>
Experience in credit risk , preferably in an international banking environment, covering Leveraged and/or High Yield clients</p></li><li><p>
Possess good analytical skills with attention to detail, ability to provide big picture decision making</p></li><li><p>
Possess good interpersonal, verbal and written communication skills, and have the ability to clearly articulate concepts and ideas.</p></li></ul><p><br>
You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job-specific technical skills.</p><p><br>
The location of the role is Mumbai.</p>
<p><b>
Purpose of the role</b></p><p>
To independently assess and make credit decisions for complex financing transactions within the LevFin, SLF, and Hedge Funds sectors, ensuring alignment with the bank's credit risk appetite and regulatory requirements and contribute to the development and implementation of credit risk policies and procedures for the Specialised Sector.</p><p></p><p><b>
Accountabilities</b></p><ul><li>
Analysis of complex financial information and business models of LevFin, SLF, and Hedge Fund clients to assess their creditworthiness, repayment capacity, and potential risks.</li><li>
Monitoring of the performance of the LevFin, SLF, and Hedge Fund portfolio, identifying and reporting early warning signs of potential credit deterioration.</li><li>
Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions.</li><li>
Documentation credit decisions and rationale in a clear and concise manner, adhering to internal audit and regulatory reporting standards.</li><li>
Development and implementation of strategies to mitigate identified credit risks and optimise portfolio performance.</li></ul><p></p><p><b>
Analyst Expectations</b></p><ul><li>
To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement.</li><li>
Requires in-depth technical knowledge and experience in their assigned area of expertise</li><li>
Thorough understanding of the underlying principles and concepts within the area of expertise</li><li>
They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources.</li><li>
If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L &ndash; Listen and be authentic, E &ndash; Energise and inspire, A &ndash; Align across the enterprise, D &ndash; Develop others.</li><li>
OR for an individual contributor, they develop technical expertise in work area, acting as an advisor where appropriate.</li><li>
Will have an impact on the work of related teams within the area.</li><li>
Partner with other functions and business areas.</li><li>
Takes responsibility for end results of a team&rsquo;s operational processing and activities.</li><li>
Escalate breaches of policies / procedure appropriately.</li><li>
Take responsibility for embedding new policies/ procedures adopted due to risk mitigation.</li><li>
Advise and influence decision making within own area of expertise.</li><li>
Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.</li><li>
Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function.</li><li>
Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.</li><li>
Make evaluative judgements based on the analysis of factual information, paying attention to detail.</li><li>
Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.</li><li>
Guide and persuade team members and communicate complex / sensitive information.</li><li>
Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.</li></ul><p></p><p>
All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship &ndash; our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset &ndash; to Empower, Challenge and Drive &ndash; the operating manual for how we behave.</p></div>

Analyst - Wholesale Credit Sanctioning - LevFin

<div><p><b>Some careers have more impact than others.</b></p><p>
If you&rsquo;re looking for a career where you can make a real impression, join HSBC and discover how valued you&rsquo;ll be.</p><p>
HSBC is one of the largest banking and financial services organizations in the world, with operations in 62 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realize their ambitions.
</p><p>We are currently seeking an experienced professional to join our team in the role of Analyst &ndash; Credit Risk</p><p><b>
In this role, you will:</b></p><p><b>
Impact on Business</b></p><ul><li>
Identifying the breaks between various front end trading systems and the risk portal systems working towards the remediation.</li><li>
Investigating and reporting credit risk arising from trading activities against approved limits and against the utilizations shown in risk systems.</li><li>
Reporting and analyzing the cause of variation and addressing the issues to correct the same.</li></ul><p><b>
Customers / Stakeholders</b></p><ul><li>
Provide regular information to Traded Credit Risk Control managers on the performance of the team in terms of capacity and quality of output. Collaborate and partner with relevant stakeholders to ensure end to end process is connected and streamlined.</li></ul><ul><li>
Put in place the improvement plans for repeated errors and work in close coordination with the analyst to ensure that the plan is implemented effectively</li><li>
Escalation of errors and client feedback to relevant stakeholders as per process.</li></ul><p><b>
To be successful you will:</b></p><ul><li>
A degree / qualification in Finance, Economics, Commerce or equivalent or previous experience in Risk management (Credit Risk)</li><li>
Knowledge of Credit Risk, Treasury products, operations, systems, related regulations, group risk systems, primary trading systems and static data systems desirable</li><li>
Knowledge Financial Services sector, terminology and issues an advantage. Programming in VBA, Excel and SQL would be an advantage</li><li>
Previous experience in a Traded Credit Risk Control management environment is highly desirable.</li><li>
Experience in documenting processes, developing KPIs and troubleshooting</li></ul><p><b>
You&rsquo;ll achieve more at HSBC</b></p><p><b>
Hsbc.Com/Careers</b></p><p>
HSBC is an equal opportunity employer committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and, opportunities to grow within an inclusive and diverse environment. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, sexual orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role.&rdquo;</p><p>
Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.</p><p><b>
***Issued By HSBC Electronic Data Processing (India) Private LTD***</b></p></div><p></p>

Analyst - Credit Risk

Cemstone

<div><p><b>Job Summary:</b></p><p>
Cemstone&reg; has become synonymous with high quality products and unparalleled service in the ready-mix concrete industry in the upper midwest. Our reputation is reflected in the structures we&rsquo;ve helped create and our long-held and long-practiced commitment to our core values. Here's your opportunity to join an amazing family-owned business that has been around for nearly 100 years!</p><p></p><p><b>
What You'll Do:</b></p><p>
The Credit Analyst is responsible for assessing customer creditworthiness and extending lines of credit, managing accounts receivable risk, and executing effective collection strategies to ensure timely payment. This role partners closely with Sales, Shared Services, and Customer Service to minimize credit exposure, resolve billing discrepancies, and maintain strong customer relationships while meeting company cash‑flow objectives and other management directives.</p><p><b><br>
Essential Duties and Responsibilities:
</b></p><p></p><p><b>Credit Management</b></p><ul><li>
Review and analyze new and existing customer credit applications.</li><li>
Perform credit risk assessments, scoring, and analysis.</li><li>
Recommend and establish appropriate credit limits and payment terms, per company policy.</li><li>
Monitor customer credit exposure and escalate high‑risk accounts.</li></ul><p></p><p><b>
Collections</b></p><ul><li>
Proactively manage a portfolio of accounts to ensure timely collection of receivables.</li><li>
Investigate and resolve past‑due balances, short payments, and disputed invoices.</li><li>
Communicate professionally with customers via phone, email, and written correspondence.</li><li>
Negotiate payment plans when necessary while adhering to company policies.</li><li>
Document all collection activities in the ERP system.</li></ul><p></p><p><b>
Internal Collaboration &amp; Compliance</b></p><ul><li>
Partner with Sales to communicate and evaluate credit risks for all customers.</li><li>
Provide insights to leadership regarding customer risks and collection trends.</li><li>
Ensure compliance with internal credit policy and external regulations.</li><li>
Participate in process improvement initiatives to reduce DSO and bad‑debt exposure.</li><li>
Communicate professionally and effectively to foster relationships and collaboration to achieve positive results.</li><li>
Add and maintain customer records and documentation in ERP and linked customer database systems.</li></ul><p></p><p><b>
Qualifications and Requirements:</b></p><ul><li>
5+ years of experience in credit, collections, or accounts receivable required.</li><li>
Bachelor&rsquo;s degree in Finance, Accounting, Business, or related field&mdash;or equivalent experience required.<b>
</b></li><li>Previous credit and collections experience in the construction industry preferred.</li><li>
Knowledge of lien laws, credit compliance, and UCC filings preferred.</li><li>
Intermediate knowledge of Microsoft Excel preferred.</li><li>
Experience with NetSuite preferred.</li><li>
Experience with Experian or Creditsafe preferred.</li><li>
Experience with Microsoft Teams preferred.</li><li>
Strong analytical and problem‑solving skills preferred.</li><li>
Excellent communication and interpersonal skills to develop and maintain positive working relationships with internal and external customers preferred.</li><li>
High attention to detail and strong organizational skills preferred.</li><li>
Proficiency in Microsoft Office applications preferred.</li></ul><p></p><p>
Pay: $50,000-$70,000 annually</p><p><b>
Benefits</b></p><ul><li><p>
Medical Insurance</p></li><li><p>
Dental Insurance</p></li><li><p>
Life Insurance</p></li><li><p>
Retirement Plans</p></li><li><p>
Paid Time Off</p></li><li><p>
Wellness Program</p></li><li><p>
Education Assistance</p></li><li><p>
Employee Assistance Program</p></li></ul><p></p><div><p><b>
Closing</b></p><p></p><p>
If you are interested in becoming part of our team, please apply online today.</p></div><p></p><p><i>
We are proud to be an Equal Opportunity Employer. We recognize that a diverse
</i></p><p><i>workforce </i><i>is essential and strongly encourage qualified women, minorities,
</i></p><p><i>individuals with disabilities and veterans to apply. Join us in building a diverse and talented workforce that reflects the communities we serve.</i></p></div>

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