credit product analyst

HugoBank

<div>Credit Modeling Analyst will develop, implement, and validate statistical and mathematical models to support credit risk assessment and decision-making across Consumer &amp; Program Lending portfolios.
 
 
Credit Modeling Analyst will support the Head of Credit Risk, Merchant &amp; Program Lending in building robust, data-driven models for credit scoring, risk measurement, and portfolio performance forecasting, ensuring model integrity through regular back-testing and validation.
 
 
Core Responsibilities :
1. Develop and implement statistical and mathematical credit models.
2. Identify, define, and calculate independent and dependent variables for model building and ensure accurate representation of credit risk parameters.
3. Identify, define, and calculate independent and dependent variables for model building and ensure accurate representation of credit risk parameters.
4. Collect, handle, cleanse, and prepare data from multiple internal and external sources for modeling purposes.
5. Ensure data integrity and accuracy throughout the data pipeline from extraction to model input by implementing effective data quality checks and cleansing procedures.
6. Maintain model documentation including data dictionaries, variable definitions, and transformation logic. 7. Conduct regular model back-testing to assess model performance, stability, and predictive accuracy over time. 
Requirements 
<ul><li>
1-3 years experience in the credit modeling, risk modeling or similar role within a banking or financial services industry.
</li><li>Minimum masters degree preferably in statistics, mathematics, econometrics or any relevant major.</li><li>
Leadership skills.</li><li>
Good inter personal skills.</li></ul></div>

Credit Modeling Analyst

The Home Depot

Position Purpose: The Sr. Analyst of Credit Services position is responsible for regular reporting to ensure management has information needed to make informed business decisions. Important financial trends will be identified quickly and appropriate strategies will be developed/implemented to ensure financial targets are achieved. Critical metrics to be analyzed include credit sales penetration and margin expense line items. Manages multiple, cross-functional projects and may manage smaller, single-function projects. Key Responsibilities: 25% Strategic Analysis/Problem Solving - Works to fully understand business; identify and implement process and organizational improvements. Plans and ensure execution of financial department objectives. Responsible for preparing annual private label credit card budget for all products and business lines. Conduct financial planning for function and make appropriate recommendations. 25% Develop strategies that integrate financial products and services into core businesses and new strategic initiatives. Own and manage projects to ensure timely completion and highest quality. Develop and execute detailed project design/ implementation plans. 25% Gather and analyze data for presentations for Sr. Management. Provide project support and guidance to other team members. Review and modify/approve their project plans and decisions as needed. 25% Evaluate financial and operational/quality results of new programs against predetermined goals. Determine whether programs should be rolled out, make recommendations to Sr. Management and, if applicable, assist in developing implementation strategies Direct Manager/Direct Reports: This postion typically reports to Senior Manager Credit Services or Manager Credit Services This position has no Direct Reports. Travel Requirements: Typically requires overnight travel less than 10% of the time. Physical Requirements: Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions there may be a need to move or lift light articles. Working Conditions: Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable. Minimum Qualifications: Must be eighteen years of age or older. Must be legally permitted to work in the United States. Preferred Qualifications: Credit marketing or financial services experience preferred Minimum Education: The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job. Preferred Education: No additional education Minimum Years of Work Experience: 3 Preferred Years of Work Experience: No additional years of experience Minimum Leadership Experience: None Preferred Leadership Experience: None Certifications: None Competencies: Very strong communication skills, both verbal and written. Sound decision-making skills. Track record of successfully managing multiple, simultaneous projects. Demonstrated excellence at project management for small-to-medium projects. A strong grasp of Project Management skills and requirements gathering. Able to strategically analyze business problems and opportunities. Exhibited ability to work independently.

SR ANALYST CREDIT SVCS

Worldpay

<div>Job Description
Job Posting Description
Are you ready to unleash your full potential? We&rsquo;re looking for people who are passionate about payments to chart Worldpay&rsquo;s path to being the largest and most-loved payments company in the world.
About The Team 
The U.S. Large Credit team works collaboratively with merchants, business development teams, relationship managers, transaction risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk. We are a dynamic and diverse team providing a significant positive impact for our stakeholders. 
 
What You Will Be Doing 
The primary responsibility of the Worldpay Credit team member is to review large credit risk exposure accounts with a focus on the merchant&rsquo;s credit fundamentals. Analysis is performed to ensure adequate financial strength in relation to the potential exposure generated from the payment processing relationship. As a team member, you will perform thorough financial analysis on prospective and current merchants, while collaborating with internal and external partners to mitigate and manage risk to Worldpay.<ul><li>
Obtains and reviews the financial statements of merchants</li><li>
Performs extensive analysis of financial statements and providing an assessment of their credit profile and making supportable recommendations for exposure</li><li>
Effectively evaluates complex business arrangements and structures; able to dive deep into the background and operations of a merchant.</li><li>
Recommend and establish appropriate credit limits and collateral to minimize and manage risk; Position may be granted credit authority</li><li>
Communicates effectively and professionally with internal and external clients</li><li>
Exercises sound judgment in assessing potential regulatory and reputational risks</li><li>
Monitors and communicates credit concerns to management</li><li>
Role is hybrid and requires 2-3 days in office</li></ul>
What you will bring:<ul><li>
Minimum of 5-8 years of experience analyzing and spreading financial statements, performing credit analysis and drafting credit memos</li><li>
Effective communication skills; attention to detail</li><li>
Strong judgment and decision-making skills</li><li>
Self-starter, able to work independently; possesses a strong sense of ownership</li><li>
Ability to creatively solve problems and achieve company objectives</li><li>
Time management skills with ability to multitask</li></ul>
Bonus if you have:<ul><li>
Knowledge of merchant acquiring services and the payment processing industry</li><li>
Degree in Finance, Accounting, or similar formal credit training</li></ul>
What We Offer You<ul><li>
A multifaceted role with a high degree of responsibility and a broad spectrum of opportunities for growth and development within a growing team.</li><li>
The opportunity to focus on a broad range of industries and financial topics.</li><li>
A work environment built on collaboration, flexibility and respect.</li><li>
A competitive salary and benefits designed to help support your lifestyle and well being</li></ul>
#LI-BJ1 

EEOC Statement
Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here.
If you are made a conditional offer of employment and will be working in the United States, you will be required to undergo a drug test. In developing this job description care was taken to include all competencies and requirements needed to successfully perform the position. Reasonable accommodations will be provided for individuals with qualified disabilities both during the hiring process, as well as to allow the individual to perform the essential functions of the job, if hired.</div>

Credit Analyst Senior - US Large Credit Risk / Merchant Underwriting

Gregory Poole Equipment Company

PRIMARY FUNCTION: 
Manage all aspects of customer onboarding, account maintenance, and credit extension in accordance with GPEC’s Credit Policies and Procedures and manage assigned third-party billing portal set up and registration of accounts, assist sales in the collection of payment on equipment sale invoices in accordance with established procedures. Track discrepancies and make sure all payments are entered, matched, and allocated properly on a timely basis. The overall goal is to increase customer satisfaction, in addition to adhering to established policies and procedures to increase efficiencies in billing and collections of these accounts. Work closely with service, parts, rental, collections, and accounts receivable departments to ensure timely payment on all accounts. This role will work with operations on in-process work orders to ensure we are meeting customer requirements in a timely manner for invoicing.
 
ESSENTIAL DUTIES: 
Credit
 <ul>
<li>Ensures customer credit limits are within established credit policy by reviewing credit applications, analyzing credit histories and financial statements, and establishing customer credit limits.</li>
<li>Ensures that proper customer credit documentation is obtained and maintained for potential future credit or legal actions.</li>
<li>Works directly with Assistant Credit Management on exceptions.</li>
</ul>
Customer Setup
 <ul>
<li>Responsible for creating and maintaining customer credit accounts within required systems including GPAX and BillTrust and ensuring all customer account maintenance is accurate and completed in a timely manner.</li>
<li>Responsible for obtaining tax certificates and other relevant information, documenting, and maintaining in our systems for future reference and support in the event of audit or legal actions arise.</li>
</ul>
Equipment Sale Collections
 <ul>
<li>Assist sales department in the collection of payment on Equipment sale invoices in accordance with established procedures to ensure timely payment and reducing debt loss for the company.</li>
</ul>
Registration of All Third-Party Billing Systems: 
<ul>
<li>Review documentation for set up and attend training.</li>
<li>Document, maintain, update all requirements for each system.</li>
<li>Review of Terms and Conditions with Supervisor.</li>
<li>Process fees for approval related to these systems and determine allocation by predetermined guidelines.</li>
<li>Review need for all departments interaction and discuss with all departments to ensure the requirements can be met at the time of registration.</li>
</ul>
3rd Party Customer Account Set Up Requesting and Verification:
 <ul>
<li>Review Customer account requirements.</li>
<li>Provide back up to main account set up role (for credit) mainly for 3rd party/portal accounts.</li>
<li>Verify that customer’s accounts are set up properly in AX to meet needs for all departments interfacing with the customers. This includes but not limited to terms and conditions, credit limits, proper ship to addresses and proper taxes.</li>
<li>Verify that order account invoices are mailed to the proper location for the customer through BillTrust or current system being used based on data provided by customer or operations.</li>
<li>Maintain or modify accounts as required throughout life of account.</li>
</ul>
Account Invoicing and Reconciliation: 
<ul>
<li>Input invoice information into appropriate billing portal, daily, for select EPG accounts assigned as well as any other third-party portal for other divisions as assigned.</li>
<li>If any issues at the time of entry of the invoice, address as needed with appropriate personnel or department.</li>
<li>If possible, allocate credit with invoice before entered into the portal and send to the customers.</li>
<li>Review and reconcile accounts on a weekly basis.</li>
<li>Document any updates, notes, discussions on account for reference.</li>
<li>Reconcile, allocate and provide analysis of ILFT third party (HYG Fleet) accounts and ensure timely and accurate posting at least weekly.</li>
<li>Prepare journal entries and vouchers, if necessary, to keep the accounts within terms</li>
<li>Identify all invoices that are not claimed in the SLMS system or any other portal if reporting is available and timely notify operations.</li>
</ul>
Collection Analysis: 
<ul>
<li>Identify WIP from last labor that is associated with billing portals if available through GPAX reporting.</li>
<li>Assist collectors with investigating 3rd party/ portal customers invoices that are in a past due status according to the terms on the account or legal contracts signed.</li>
<li>Communicate with operations and/or collector on any discrepancies in payment.</li>
<li>Communicate with appropriate department on disputed invoices.</li>
<li>Utilize AX business system and processes to make recommendations for actions needed to assist in collection. (i.e. Service, Parts, and Rental in addition to Credit functions)</li>
<li>Extract data, analyze, present and report trends from systems.</li>
</ul>
Customer Relations: 
<ul>
<li>Build relationships with assigned customer accounts and billing portal contacts.</li>
<li>Work closely with operational and support areas to ensure good communications between groups.</li>
<li>Openly communicate with credit personnel on new account adds and edits.</li>
<li>Coordinate with marketing department on any equipment set up or movement of equipment to proper accounts.</li>
</ul>
MINIMUM REQUIREMENTS:Education: 
Four-year college graduate preferably with Business Administration/Accounting classes with 2 years’ relevant experience, or an associate’s degree with 4 years of relevant experience in similar industry
 
Work Experience: 
(see above)
 
Physical: 
Must be able to sit and use a PC for long periods of time.
 
Other: 
Must be able to work independently and resourcefully.
 Must have excellent communication skills, verbal and written.
 Preferred intermediate/advanced computer skills, preferably advanced Excel knowledge, to analyze data
 
Gregory Poole Equipment Company is an Equal Opportunity/Affirmative Action employer and will consider all qualified applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, age, protected veteran status, or disability status.

Credit/Reconciliation Analyst

First Financial Credit Union

<div>Description:

Summary
The Digital Banking Analyst is responsible for leveraging technology and data to improve member experience, increase operational efficiency, and drive growth for the organization through its Digital Banking platforms. The Digital Banking Analyst will act as a primary liaison between business teams, technical staff, service providers and senior management to implement and support Digital Banking operations. This role requires a combination of technical skills, data analysis capabilities, marketing acumen and an understanding of the financial services and banking industry.
Essential Functions
20% 1. Member Support and Issue Resolution &ndash; Serve as subject matter expert for digital banking platforms. Oversee member issues and resolution efforts including trending of reported issues, time to resolve, and root cause analysis. Provide second-level support to members when required and offer guidance to first level support staff who encounter problems or have questions.
15% 2. Data Analysis and Analytics &ndash; Analyze member data and transactions to identify trends, preferences, needs and areas for improvement. Utilize data driven observations to make informed decisions concerning digital banking offerings and potential digital marketing and member engagement campaigns.
15% 3. Digital Member Engagement and Marketing &ndash; Utilize digital banking technologies to conduct member engagement campaigns to strengthen member connections to the credit union and to provide financial service and product offerings relevant to specific member needs and circumstances.
10% 4. Vendor and Technology Management &ndash; Collaborate with technology vendors and internal teams to maintain and update digital banking platforms and infrastructure. Work in partnership with cross-functional teams to select and implement new digital banking products and services. This includes evaluating third-party vendors and technology solutions and selecting and integrating software or services that align with credit union goals and objectives.
10% 5. Performance Analysis - Track the performance of digital banking products and services through metrics in areas such as incident management, engagement, member satisfaction, conversion rates, and transaction volumes. Identifying areas of improvement and make data-driven recommendations. Generate reports and dashboards to track key performance indicators (KPIs) related to digital banking services. Presenting findings to management and other stakeholders.
10% 6. Market Research and Continuous Improvement &ndash; Monitor industry trends and competitive offerings to stay up to date with the latest advancements in digital banking technology and services. Continuously seek opportunities to enhance digital banking offerings by identifying areas of improvement, optimizing processes, and staying updated on emerging technologies. Organize and facilitate member focus groups and surveys to collect member feedback.
10% 7. Training and Documentation &ndash; Create training materials and documentation for members and internal staff to ensure they can effectively use digital banking products and services.
Non-essential Functions
10% 1. Perform any other duties as requested by the Digital Banking Manager or other team members. Embody CU&rsquo;s mission, vision, and core values. Abide by First Financials policies, procedures and standards.
Expectations
1. Perform essential functions of the position, special projects and other work assignments within timeframes and quality standards established by the Chief Information Officer.
2. Possess the ability to work independently within deadlines and manage multiple tasks and projects.
3. Must demonstrate good analytical/problem solving, verbal and written communication skills.
4. Must be able to multi-task and be a team player and have good time management and prioritization skills.
Requirements:

Qualifications
Education: Bachelor&rsquo;s degree in related technical or business area or 5 years directly related experience.
Experience: Minimum of 2 years experience as a digital banking analyst or related position in the financial services industry, preferably with Credit Union experience.
Knowledge, Skills, Abilities: Must have good working knowledge and understanding of the technologies and concepts supporting the essential functions of the position listed above. Must be able to lift up to 50 lbs. Normal office conditions, but hours &amp; days worked must be flexible based on needs of position; highly concentrated mental &amp; visual alertness, majority of day may be spent sitting, typing &amp; reading computer screen for extended periods, frequent up/down activity, position involves a great deal of physical activity involved w/ maintaining &amp; working on computers.</div>

Digital Banking Analyst

Funding Alternatives International 

Financial Analyst Intern (Entry-Level) Location: North Miami (In-Person) Part-Time - Flexible HoursAbout Us:Funding Alternatives International is a fast-growing direct private lending firm specializing in real estate investment loans for investors.We offer flexible funding solutions to real estate investors and developers, with a strong track record built on conservative underwriting and exceptional client service.Job Description:We are seeking a high-caliber college intern to join our team as a Financial Analyst Intern, supporting our real estate and private credit platform. This role is ideal for a student interested in real estate finance, investment banking, private credit, or general finance, and who wants hands-on exposure across underwriting, operations, and marketing.What You&rsquo;ll Do<ul><li>Assist with loan underwriting and financial analysis</li><li>Support deal execution and operational workflows</li><li>Analyze property-level data, borrower financials, and deal structures</li><li>Help prepare investment summaries, loan scenarios, and internal reports</li><li>Assist with marketing and outreach efforts, including deal materials and market research</li><li>Work closely with senior team members across multiple functions</li></ul>Who We&rsquo;re Looking For<ul><li>Aspiring analyst with interest in real estate, investment banking, private credit, or finance</li><li>Strong critical thinking and problem-solving skills</li><li>Ability to learn quickly and work independently</li><li>Organized, detail-oriented, and proactive</li><li>Comfortable in a fast-paced, entrepreneurial environment</li></ul>Requirements<ul><li>Minimum 18 hours per week</li><li>In-office role based in North Miami</li><li>Reliable transportation required</li><li>Strong Excel and communication skills (advanced skills a plus)</li></ul>What You&rsquo;ll Gain<ul><li>Hands-on exposure to real transactions and underwriting</li><li>Direct mentorship and ample training</li><li>Insight into real estate finance, private lending, and deal execution</li><li>A meaningful role that builds real-world analytical skills</li><li>Strong resume experience for careers in finance, real estate, orbanking</li></ul>Job Type: Part-timePay: Up to $5,000.00 per monthLocation:<ul><li>North Miami, FL (Required)</li></ul>Ability to Commute:<ul><li>North Miami, FL (Required)</li></ul>Work Location: In person

Financial Analyst Intern

Crédit Agricole CIB

<div>
 
 
 Team and position
 
 
 
 
 
 
 Credit Agricole is among world top 10 banking groups. Our NY based Leveraged Finance team is directly responsible for origination and execution of LBOs with leading Private Equity Funds in North America, as well as financings for leveraged (non-investment grade) corporates, across loans and HY bonds. In addition, the team is also in charge of event driven financings (M&amp;A and IPO related) for Investment Grade clients, and of leveraged / structured financing transactions in the TMT sector, including the current wave of infrastructure flavored deals (towercos, data centers, fibercos, GPU Financings) with Infrastructure Funds, across North America and Latam. It is referred to internally as the &ldquo;LATFG&rdquo; team (Leveraged, Acquisition &amp; TMT Finance).
 
 
 
 
 
 Building on its recent successes, the team is expanding to support its strong growth ambitions. In order to address the increasing volumes of credit and reporting management work generated by our expanding loan portfolio, we are setting up a portfolio management (PFM) team.
 
 
 We are opening a Portfolio Management analyst position. The analyst will report to the Director in charge of Portfolio Management, with regular interaction with the origination part of LATFG team.
 
 
 
 
 
 
 Key Responsibilities
 
 
 
 
 
 
 1) Credit monitoring of our loan portfolio:
 
 
 Contribute to the ongoing credit monitoring work for part of the leveraged finance and TMT loan portfolio (current volume of about 75 deals): write up of annual reviews, credit papers in relation to
 
 
 waivers and amendments, quarterly write ups for distressed loans. In close coordination with
 
 
 respective deal/client teams.
 
 <ul>
 <li>
 Proactively flag to client teams any early warning signals of credit deterioration, concerns, or ideas for commercial opportunities
 </li>
 <li>
 Ensure timely propagation of internal risk rating decisions within the internal IT systems.
 </li>
 <li>
 Occasionally represent the team in the various credit committees (NY credit committee, CLF credit committee, CRC) and monitoring committees (Quarterly committees for underperforming loans or loans under watchlist &ldquo;SARs&rdquo; and &ldquo;SACs&rdquo;), underperforming or under watch loans
 </li>
 <li>
 Coordinate with CLF Loan Operations team to monitor evolution of the portfolio (increases or reductions via amortization, prepayments, secondary trades etc)
 </li>
 <li>
 Coordinate with CLF Loan Operations and respective deal/client teams to ensure authorizations recorded in internal systems are accurate and up to date.
 </li>
 <li>
 Maintain close coordination on all of the above tasks with respective LATFG client teams. Interact with clients whenever necessary to clarify credit related questions, in coordination with the LATFG client team.
 </li>
 <li>
 Review quarterly or annual information provided by client, connect to lender or investor calls organized by clients and relay summaries of meaningful information to LATFG team manager and respective LATFG client team.
 </li>
 <li>
 Depending on deal flow, there will also be occasional opportunities to get involved in live, new deals as part of the origination deal team.
 </li>
 </ul>
 
 
 
 
 2) Contribute to Internal and Regulatory Reporting:
 
 <ul>
 <li>
 Collect data and under PFM Director, assist with the regular requests for reporting from our
 </li>
 </ul>
 
 internal stakeholders (HO business line, COO teams, RPC): monthly anomaly reports, monthly
 
 
 LevFin excel pipeline, quarterly portfolio review files, &ldquo;deals world&rdquo; database for LBOs, etc
 
 <ul>
 <li>
 Contribute to recurring, ad hoc, and annual audits (NY annual and quarterly Compliance Loan Review, ad hoc NY portfolio reviews, Internal Audit &ldquo;Inspection Generale&rdquo;, add hoc CUSO reviews)
 </li>
 <li>
 Assist team manager and respective deal teams in ensuring that the CLF pipeline tool (&ldquo;Diamond&rdquo;) is up to date.
 </li>
 <li>
 Contribute to occasional ad hoc information requests when and as required
 </li>
 <li>
 Assist LATFG manager with periodic estimate of landing vs budget and other planning tasks
 </li>
 </ul>
 
 
 
 
 
 Candidate background / experience
 
 
 <ul>
 <li>
 Ideally 1-2 years experience in either a leveraged finance environment (portfolio management, credit analyst or origination and execution), or a credit risk / credit underwriting and monitoring function.
 </li>
 <li>
 Relevant academic background (BA/BS degree with economics/finance major coursework, ideally Master's degree &ndash; Msc Finance or MBA).
 </li>
 </ul>
 
 
 
 
 
 Skills
 
 
 <ul>
 <li>
 Strong quantitative and qualitative analytical skills
 </li>
 <li>
 Prior experience in financial analysis, cash flow modeling experience will be a plus
 </li>
 <li>
 Reliability, attention to detail and quality outputs,
 </li>
 <li>
 Good organizational skills: ability to keep track of deadlines, to organize its own work
 </li>
 <li>
 Good communication and interpersonal skills (ability to communicate seamlessly with various front office deal teams, and capacity to interact convincingly and forcefully with internal partners, in particular with risk &amp; senior representatives from business line or coverage)
 </li>
 <li>
 MS Office suite proficiency
 </li>
 <li>
 Fluency in a second language (in particular French, Portuguese, Spanish) is a plus.
 </li>
 </ul>
 
 
</div>

Leveraged, Acquisition & TMT Finance Americas – Portfolio Management - Analyst

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