credit risk analyst

Ascend Federal Credit Union

<div>ABOUT US:
<div>
Ascend is the largest credit union in Middle Tennessee and one of the largest credit unions in the United States, with over $4 billion in assets. With an occupation-based field of membership, Ascend is focused on the expansion and diversification of the select employee groups it serves, which creates greater security for the credit union and its member-owners. Approximately 650 employees serve more than 260,000 members from 27 Middle Tennessee branch locations, Regional Operations Center, Teller Center and Corporate Headquarters. Ascend recognizes that its employees are critical to the credit union&rsquo;s sustained success and future growth. Our employees are the face of the credit union and their personal successes fuel the success of the team. Through collaboration between employees, management, our membership and our Board, we fuel an engine that propels the credit union forward.</div>
WHAT WE OFFER:
<div>
Thank you for your interest in a career with Ascend Federal Credit Union! Being employed by Ascend is vastly different than just holding a job. The credit union prides itself on providing employees rewarding career opportunities, competitive benefits and a unique work culture. The credit union&rsquo;s commitment to its employees is fostered by its commitment to the member-owners, ensuring dedicated and engaged employees to serve the membership. Ascend&rsquo;s vision to be the most loved credit union in our market by employees and members alike has earned the credit union distinctions including Federal Credit Union of the Year (NAFCU, 2015), Best Credit Union to Work For (2016-2025) and Training MVP Awards (2015-2025).</div>
WHAT YOU WILL DO EVERYDAY:
<div>
As a Credit Risk Analyst, you will support the Chief Lending Officer in monitoring, analyzing, and reporting on credit risk across the Credit Union's consumer, mortgage, and commercial loan portfolios. This is a foundational role with significant opportunity for growth as the Credit Union continues to enhance its credit risk management framework and analytical capabilities. Initially, the Analyst will focus on portfolio monitoring, reporting, and trend analysis. Over time, the role will expand to include advanced risk analytics, policy development support, and the delivery of strategic credit risk insights. The ideal candidate will bring prior credit or analytical experience and demonstrate strong intellectual curiosity, initiative, and a genuine interest in helping build and strengthen the Credit Union's credit risk function. #LI-Onsite</div>
HOW YOU WILL MAKE AN IMPACT :
<div>
 Portfolio Risk Monitoring &amp; Analysis</div><ul><li>
Monitor credit performance indicators including delinquency, charge offs, recoveries, risk ratings, and portfolio migration trends.</li><li>
Analyze loan performance by product type, borrower characteristics, vintage, and other relevant risk segments.</li><li>
Identify emerging credit risk trends, early warning indicators, and areas of potential concern or opportunity.</li><li>
Support the development and enhancement of credit risk models, tools, and frameworks used to evaluate credit proposals and provide risk-based recommendations.</li></ul><div>
 Reporting &amp; Data Management</div><ul><li>
Prepare recurring and ad hoc credit risk reports for management, committees, and the Board.</li><li>
Assist in the development and refinement of credit risk dashboards and reporting tools, with increasing automation over time.</li><li>
Ensure data accuracy, consistency, and documentation integrity.</li><li>
Collaborate with Lending, Finance, and IT to improve data quality and analytical capabilities.</li><li>
Utilize programming and analytical methodologies to develop and maintain financial databases, reports, and statistical models.</li><li>
Industry, Economic &amp; Regulatory Awareness</li><li>
Monitor economic conditions, industry trends, and peer data relevant to the Credit Union&rsquo;s loan portfolios.</li><li>
Stay informed on regulatory guidance and examiner expectations related to credit risk management.</li><li>
Assist with preparation for regulatory exams, audits, and internal reviews.</li></ul><div>
 Risk Policy &amp; Governance Support</div><ul><li>
Provide analytical support for credit policy, underwriting standards, and risk tolerance evaluation.</li><li>
Monitor performance of loans approved with policy exceptions or elevated risk characteristics.</li><li>
Assist with loan review processes, portfolio reviews, and post implementation evaluations of lending programs.</li><li>
Ensure credit activities, documentation, and reporting comply with internal policies, regulatory requirements, and best practices.</li></ul><div>
 Please note: This job description is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the position. The organization reserves the right to modify, add, or remove duties at any time, with or without notice, to meet business needs.
</div>WHAT YOU WILL NEED TO SUCCEED:
<div>
Education</div><ul><li>
Bachelor's Degree in Finance, Accounting, Economics, Business Analytics, or a related field; or equivalent relevant experience is required</li></ul><div>
Work Experience</div><ul><li>
3-5 years Experience in credit and financial analysis, risk and management reporting, audit support, and data analytics preferred, but not required if the candidate demonstrates strong analytical aptitude and learning ability</li><li>
Experience in a credit union or regulated financial institution is preferred</li></ul><div>
Knowledge, Skills, and Abilities</div><ul><li>
Proficiency in Excel; experience with reporting or business intelligence tools (e.g., Power BI, Tableau).</li><li>
Basic knowledge with consumer, mortgage, or commercial lending products.</li><li>
Demonstrated interest in portfolio analytics, risk modeling, or credit policy development.</li><li>
Occasional after hours or deadline driven work may be required during reporting cycles or examinations.</li><li>
Strong analytical and critical thinking skills.</li><li>
Ability to interpret financial, credit, and performance data.</li><li>
Ability to communicate insights clearly to both technical and non technical audiences.</li><li>
High attention to detail and commitment to data integrity.</li><li>
Demonstrated initiative, curiosity, and willingness to learn and expand responsibilities over time.</li><li>
Regular and reliable attendance is required.</li><li>
Must have and maintain a valid driver's license.</li></ul>
CONNECT WITH US: 
Facebook Instagram LinkedIn<div>
Ascend Federal Credit Union is an Equal Opportunity Employer.</div></div>

Credit Risk Analyst

Regional Finance

<div>Take your career to the next level! In the last few years our goal has been expansion, creating growth opportunities for many of our team members. Not only are we serious about growth, but we are also serious about helping our customers during hard financial times.
We take pride in providing solutions and offering a helping hand, not only to our customers but also to the communities we serve. As we continue to expand and grow into a national leader in consumer financing, we invite you to consider joining our team.
If you're passionate about making a meaningful impact in people's lives and bringing a personal touch to finance, we'd love to have you on board!
Job purpose 
The Senior Credit Risk Analyst is responsible for performance analysis, operational reporting, and business unit support for the Risk Management organization within Regional Management. This positions will utilize advance skills to analyze data, portfolio level performance trends, custom scorecard analysis, and forecasting skills to support credit risk functions.
Duties and responsibilities<ul><li>Mines, models, analyzes large datasets, and utilizes predictive modeling techniques with an emphasis on optimizing credit risk and marketing campaign performance using the following predictive modeling techniques: linear/logistic regression, factor analysis, decision trees, clustering, segmentation, etc.</li><li>Quantitative analysis of custom score models including , validation, ongoing- performance monitoring, and documentation</li><li>Develops and supports complex models, analysis, and reporting related to customer approval, pricing and profitability.</li><li>Forecasts performance of marketing campaigns and tracks actual campaign performance versus the forecast.</li><li>Conducts ad hoc research projects incorporating project design, data collection and analysis, summarization of findings, and presentation of results.</li><li>Handles data while utilizing interpretive and problem solving skills with the ability to process large volume of transaction level data and efficiently derive actionable results.</li><li>Interacts with stakeholders to understand their business questions, crafting the methodology, to mine/analyze datasets utilizing SAS and ultimately delivers a final insightful recommendations to stakeholders.</li></ul>
Minimum Qualifications<ul><li>Bachelor&rsquo;s degree in Statistics, Data Analytics, Economics, Math, or similar</li><li>5+ years of consumer finance, risk analytics, or relevant experience</li><li>Experience in data mining, modeling and analyzing analytic findings using SAS.</li><li>Advanced programming skills in SAS and SQL.</li><li>Moderate to Expert level skills in Microsoft Office Suite (Excel, Access, and Outlook a must)</li><li>Must pass drug screen, criminal and credit background checks.</li></ul>
Preferred Qualifications<ul><li>Experience in Financial Services with consumer credit data utilizing SAS.</li><li>Experience analyzing marketing data in a financial environment.</li><li>Experience developing risk models for a financial institution.</li></ul>
Critical Competencies<ul><li>Excellent oral and written communication skills &ndash; especially the ability to explain complex analyses in easily understood terms.</li><li>Excellent organizational skills with the ability to prioritize and handle multiple tasks and responsibilities simultaneously.</li><li>Utilize appropriate analysis, judgment and logic when solving problems and making decisions.</li><li>Demonstrated ability to apply complex financial and statistical principles.</li><li>Effective written and verbal presentation skills; able to communicate well with Senior and Executive Management.</li><li>Innovative problem solving, quantitative and analytical abilities.</li><li>Detail-oriented.</li><li>Able to work with minimal supervision.</li><li>Flexible, proactive working style.</li><li>Adaptive to a team environment.</li></ul>
Regional is an equal opportunity employer and does not discriminate on the basis of race, color, religion, creed, national origin, sex (including pregnancy, childbirth, and related medical conditions), sexual orientation, gender identity, transgender status, age, disability, genetic information, veteran status, uniform service, or any other characteristic protected by applicable law (&ldquo;Protected Characteristics&rdquo;). Regional&rsquo;s policy of non-discrimination applies to all phases of the employment process and relationship, including, but not limited to, recruitment and selection; compensation and benefits; professional development and training; promotions and opportunities; transfers; social and recreational programs; layoff; and terminations.</div>

Sr Credit Risk Analyst

Huntington Bank

<div><h1 class="jobSectionHeader">Description</h1>
Summary:
The Credit Risk Administration Allowance Analytics team has an opening for an Allowance Credit Risk Analyst, Sr.
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.
Duties and Responsibilities:<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>
Basic Qualifications:<ul><li>
Bachelor&rsquo;s Degree</li><li>
7 years of combined financial services experience in credit, and/or risk management</li></ul>
Preferred Qualifications:<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>
#LI-RP1 
Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay)
Yes
Applications Accepted Through:
04/30/2026
Huntington expects to accept applications through at least the date above, and may continue to accept applications until the position is filled.
Workplace Type:
Office
Our Approach to Office Workplace Type
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.
Compensation Range:
$70,000 - $140,000 Annual Salary
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).
Huntington is an Equal Opportunity Employer.
Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.
Note to Agency Recruiters: 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.</div>

Allowance Credit Risk Analyst Sr

Jack Henry & Associates

<div>At Jack Henry, we&rsquo;re more than a technology company, we&rsquo;re a force for good in financial services. We&rsquo;re redefining how community banks and credit unions connect with the people they serve. Our mission is rooted in people inspired innovation, empowering financial institutions to deliver seamless, secure, and human centered experiences. We deliver cutting-edge solutions that are paving the way for the next generation of digital banking and payments, but our true impact begins with our associates. If you're ready to help transform an industry and grow with a company that values purpose, collaboration, and excellence then we&rsquo;d love to meet you. The Credit Analyst for the Enterprise Payment Solutions team is instrumental to the organization&rsquo;s operational success. Operating both independently and as part of a high-performance team, you will navigate a high-volume environment to facilitate merchant onboarding.
Your core responsibilities include aggregating and validating commercial and credit data to provide informed recommendations for application approvals or denials, while establishing appropriate transaction velocity limits and exposure thresholds. In this capacity, you will serve as a strategic partner to merchant clients, Independent Sales Organizations (ISOs), Value-Added Resellers (VARs), and financial institution partners.
This position may be worked remotely from within the United States, with the exception of California. The salary range for this position is $43,400 - $65,000 and will be determined based on location and experience level.
This position is not eligible for immigration sponsorship and support. Please do not apply if at any time you will need immigration support now or in the future (i.e., H-1B, STEM OPT Training Plans, etc.). All positions, regardless of location, may require an onsite interview or in-person onboarding requirement to verify your identity.<div>
What you&rsquo;ll be responsible for:</div><div><ul><li>
Executes the onboarding of merchant services applications by validating commercial and credit data to provide informed recommendations for transaction velocity limits.</li><li>
Adheres strictly to KYC, OFAC, and BSA/AML regulatory frameworks and industry mandates.</li><li>
Monitors and escalate critical risk concerns to senior management through proactive communication.</li><li>
Engages with standard and complex merchant clients, ISOs, VARs, Referral Banks, and the ODFI to fulfill underwriting and compliance obligations.</li><li>
Manages the client database to optimize workflow efficiency, reporting accuracy, and portfolio analysis.</li><li>
Mentors and trains Credit Risk Analysts on proprietary risk management systems, internal policies, and evolving regulatory requirements.</li><li>
Identifies necessary enhancements for risk management systems and serves as a subject matter expert for the validation of proposed technical improvements.</li><li>
Evaluates the existing merchant portfolio for transaction-level risk, deteriorating financial conditions, or other derogatory indicators, reporting findings to leadership.</li><li>
Reviews and authorizes modifications to merchant accounts, such as changes in ownership, banking relationships, or physical locations, while adjusting transaction velocity to balance client needs with risk mitigation.</li><li>
Collaborates with internal and external auditing bodies to ensure sustained compliance with risk protocols and regulatory standards.</li><li>
Performs additional professional duties assigned to support organizational objectives.</li></ul></div><div>
What you&rsquo;ll need to have:</div><div><ul><li>
A minimum of 18 months of professional experience in credit risk underwriting, merchant underwriting, or commercial credit analysis specifically within a financial institution or the payment services industry.</li><li>
Demonstrated willingness and ability to operate outside of standard business hours to accommodate shifting organizational requirements and volume demands.</li><li>
Proven capacity as a self-starter who exercises sound judgment to drive process-related decisions and deliver measurable value while working independently.</li></ul></div><div>
What would be nice for you to have:</div><div><ul><li>
Possession of a Master&rsquo;s Degree in Finance or Accounting, or industry-recognized credentials such as Accredited ACH Professional (AAP), Certified Fraud Examiner (CFE), or Certified Anti-Money Laundering Specialist (CAMS).</li><li>
Possesses comprehensive knowledge of BSA, AML, KYC, and OFAC regulatory frameworks.</li><li>
Demonstrates proficiency with industry-standard tools, specifically Experian Business Reports and/or LexisNexis.
</li><li>A proven track record in merchant credit underwriting, particularly with high-volume portfolios or complex corporate entities.</li><li>
Familiarity with NACHA Operating Rules and the technical requirements of the ODFI (Originating Depository Financial Institution) relationship.</li><li>
Demonstrated ability to interpret financial statements and tax returns to identify trends, mitigate exposure, and forecast potential credit risk.</li><li>
Strong interpersonal skills with the ability to communicate complex risk indicators clearly to both internal leadership and external partners.</li></ul></div>
If you got this far, we hope you're feeling excited about this opportunity. Even if you don't feel you meet every single requirement on this posting, we still encourage you to apply. We&rsquo;re looking for passionate, driven individuals who align with our mission and can bring unique perspectives to our team.
Why Jack Henry?
At Jack Henry, we live by the motto: &ldquo;Do the right thing, do whatever it takes, and have fun.&rdquo; It&rsquo;s more than a tagline, it&rsquo;s the foundation of our culture. We recognize that our associates are the key to our success, and we&rsquo;re deeply committed to their wellbeing. That&rsquo;s why we offer comprehensive benefits designed to support your physical, mental, and financial health so you can thrive both personally and professionally.
We&rsquo;re also leading the way in technology modernization, helping financial institutions evolve with speed, security, and flexibility. Our strategy focuses on delivering secure data access, mitigating fraud, and enabling seamless integration. Empowering our teams to build innovative solutions that meet the evolving needs of accountholders.
Culture of Commitment
Ask our associates why they love Jack Henry, and many will tell you it is because our culture is exceptional. We do great things together. Our culture empowers us to rise to challenges, seek new opportunities, and support one another through change. It&rsquo;s this shared commitment that drives our success. We&rsquo;re proud to foster an environment where inclusion, sustainability, and community impact are more than values, they&rsquo;re how we operate. Visit our Corporate Sustainability site to learn more about our culture and commitment to our people, customers, community, environment, and shareholders.
Equal Employment Opportunity
At Jack Henry, we know we are better together. We value, respect, and protect the uniqueness each of us brings. Innovation flourishes by including all voices and makes our business - and our society - stronger. Jack Henry is an equal opportunity employer and we are committed to providing equal opportunity in all of our employment practices, including selection, hiring, performance management, promotion, transfer, compensation, benefits, education, training, social, and recreational activities to all persons regardless of race, religious creed, color, national origin, ancestry, physical disability, mental disability, genetic information, pregnancy, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, and military and veteran status, or any other protected status protected by local, state or federal law.
No one will be subject to, and Jack Henry prohibits, any form of discipline, reprisal, intimidation, or retaliation for good faith reports or complaints of discrimination of any kind, pursuing any discrimination claim, or cooperating in related investigations.
Requests for full corporate job descriptions may be requested through the interview process at any time.
#INDNonTech</div>

Credit Risk Analyst: Enterprise Payment Solutions

UnitedHealth Group

<div>Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together. 
The Credit Risk &amp; CECL Analyst will support the execution, analysis, and ongoing monitoring of quantitative credit risk models used for Current Expected Credit Losses (CECL), credit stress testing, and portfolio loss forecasting. This role is intended for an experienced analyst with hands-on exposure to running models, analyzing outputs, supporting assumptions and overlays, and preparing defensible documentation for management, audit, and regulatory review. 
The position focuses on model usage, execution, and analytical support rather than primary model development. The analyst will work closely with Credit, Finance, and Data partners to ensure accurate, well-controlled, and well-communicated loss estimates across retail and commercial lending portfolios. 
You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week. 
Primary Responsibilities:<ul><li>
Execute CECL models on a recurring basis (monthly and quarterly), including data preparation, model runs, validation checks, and reconciliation to source systems</li><li>
Perform credit stress testing and scenario-based loss forecasting, supporting both regulatory and business-as-usual stress testing processes</li><li>
Analyze period-over-period changes in allowance levels, expected losses, and stressed loss estimates; clearly explain key drivers and sensitivities</li><li>
Support the development and documentation of model assumptions, economic scenarios, overlays, and management judgment frameworks</li><li>
Prepare and maintain model execution documentation, results summaries, and methodology support materials consistent with model governance and audit standards</li><li>
Assist with responses to model risk management, internal audit, external audit, and regulatory inquiries, including data lineage, assumptions, and result interpretation</li><li>
Partner with stakeholders to ensure loss estimates appropriately reflect portfolio characteristics, credit risk appetite, and economic conditions</li><li>
Perform ad hoc analyses related to portfolio performance, emerging risks, stress sensitivities, and scenario impacts</li><li>
Support continuous improvement of CECL and stress testing processes, including data quality checks, analytical controls, reporting clarity, and automation opportunities</li></ul> 
You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.
Required Qualifications:<ul><li>
Bachelor's degree in Statistics, Economics, Finance, Mathematics, Data Science, or related quantitative discipline</li><li>
3+ years of experience running and supporting CECL, ACL, credit stress testing, or loss forecasting at a financial institution or consulting firm</li><li>
Proficiency in Python and/or SAS for data manipulation and analytical support</li></ul> 
Preferred Qualifications:<ul><li>
Experience supporting consumer and/or commercial lending portfolios (e.g., CRE, C&amp;I, unsecured consumer)</li><li>
Demonstrated familiarity with third party CECL or stress testing platforms (e.g., Moody's, Abrigo, Empyrean, or similar)</li><li>
Proven working knowledge of credit risk concepts such as PD/LGD, vintage analysis, roll rates, or loss emergence</li><li>
Exposure to regulatory expectations related to CECL, stress testing, model governance, or allowance oversight</li><li>
Proven solid attention to detail, ability to manage multiple priorities, and comfort working in a controlled, deadline driven environment</li></ul><ul><li> 
All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy.</li></ul> 
Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $72,800 to $130,000 annually based on full-time employment. We comply with all minimum wage laws as applicable.
Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants. 
At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. 
UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations. 
UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.</div>

Senior Credit Risk Analyst - CECL & Stress Testing - Remote

Prosperity Bank

<div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div>External Applicants: Please apply through Prosperity Bank's Career Center at https://www.prosperitybankusa.com/Careers. Applying through any other source may prevent Prosperity from receiving your application. 
Internal Applicants: If you are a current associate of Prosperity Bank, please apply through the internal Talent - Career Center in ADP.
Prosperity Bank is an Equal Opportunity Employer.
POSITION PURPOSE
Analyze and conduct systematic loan reviews of commercial loan relationships to ascertain adequacy of credit quality and compliance with established policies. Identify credit risk and assign a credit risk grade.
ESSENTIAL FUNCTIONS AND BASIC DUTIES
Analyst completes Loan Reviews independently.
Perform loan reviews of existing commercial loans:<ul><li>
Compile &amp; input loan and financial data obtained from loan system and file documents into individual loan review forms.</li><li>
Perform cash flow adequacy analysis, balance sheet analysis, trend analysis, collateral valuation adequacy analysis, and other credit quality assessments relevant to the credit grade determination of the loan(s).</li><li>
Recommend credit risk grades and provide supporting reasons.</li><li>
Identify documentation and policy exceptions in the individual report</li></ul>
Spreading and analysis of commercial financial statements &amp; tax returns of existing loan customers as well as personal financial statements and tax returns of related guarantors when needed.
Review Loans at time of Approval/Origination for Risk Grade appropriateness.
Assist with quarterly board loan review meeting preparation: Collecting reviews into shared folder, creating cover page listing of reviews, compiling report of exceptions from the reviews, compiling exception trend reports, etc.
Assist with analysis, monitoring, and grade changes using &lsquo;target-risk&rsquo; loan data reports.
Other duties as assigned
SUPERVISORY RESPONSIBILITIES:
This role has no supervisory responsibilities.
QUALIFICATIONS
Education/Certification: Bachelor&rsquo;s Degree in Business Administration, Accounting or Finance with a minimum of 12 hours of accounting
Required Knowledge:
Experience Required: A minimum of 2 years&rsquo; experience in commercial credit areas of banking is preferred.
Skills/Abilities: Must be analytical and detail oriented.
 Working knowledge of Excel, MS Word, and database applications.
 Ability to learn new software applications.
 Good oral and written communication skills.
 Ability to learn and adhere to policies, procedures, and compliance regulations.
 Work productively under direct supervision as well as independently
PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.
Average Hearing: Able to hear average or normal conversations and receive ordinary information.
Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/or fingers.
Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products or operate machinery.
Physical Strength: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. (Almost all office jobs.)
WORKING CONDITIONS
None: No hazardous or significantly unpleasant conditions (such as in a typical office).
MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
Reasoning Ability: Ability to apply logical or scientific thinking to define problems, collect data establish facts and draw conclusions.
 Able to interpret a variety of technical instructions and can deal with multiple variables.
Mathematics Ability: Strong math skills including ability to balance accounts; add, subtract, multiply, and divide in all units of measure using whole numbers, common fractions, and decimals; locate common mathematical errors.
Language Ability: Ability to read periodicals, journals, manuals, dictionaries, thesauruses, and encyclopedias.
 Ability to prepare business letters, proposals, summaries, and reports using prescribed format and conforming to all rules of punctuation, grammar, diction, and style.
 Ability to conduct training, communicates at panel discussions, and make professional presentations.</div></div></div></div></div></div></div></div></div></div></div></div></div></div></div> 
Monday - Friday: 8:00AM - 5:00PM 
40 hours a week</div>

Commercial Credit Risk Review Analyst - Bellaire or Victoria

Studio4fold

Studio4Fold is a growing, innovation-driven organization focused on delivering high-quality business solutions and maintaining strong financial discipline across its operations. As we expand in Qatar, we are seeking a detail-oriented Credit Analyst to join our finance team in Al Rayyan.Position Overview The Credit Analyst will be responsible for evaluating creditworthiness, analyzing financial data, and supporting credit decision-making processes. This role is ideal for a finance professional with strong analytical skills who can assess risk, maintain portfolio quality, and support sound financial decisions.Key Responsibilities<ul><li>Assess credit applications and evaluate customer financial profiles</li><li>Analyze financial statements, credit reports, and payment histories</li><li>Determine credit limits and recommend approval or rejection decisions</li><li>Monitor existing accounts for credit risk and payment performance</li><li>Prepare credit analysis reports and risk assessments for management</li><li>Support debt collection strategies and follow-up on overdue accounts</li><li>Maintain accurate credit records and documentation</li><li>Collaborate with sales and finance teams to manage credit exposure</li><li>Assist in developing and improving credit policies and procedures</li><li>Ensure compliance with internal controls and credit guidelines</li></ul>Qualifications<ul><li>Bachelor&rsquo;s degree in Accounting, Finance, Economics, or related field</li><li>2&ndash;5 years of experience in credit analysis or financial risk assessment</li><li>Strong understanding of financial statements and credit evaluation techniques</li><li>Proficiency in Excel and financial analysis tools</li><li>Strong analytical and decision-making skills</li><li>High attention to detail and accuracy</li><li>Ability to manage multiple accounts and deadlines</li><li>Strong communication and interpersonal skills</li></ul>What We Offer<ul><li>Competitive salary package</li><li>Career growth opportunities within a dynamic organization</li><li>Exposure to credit risk management and financial operations</li><li>Supportive and collaborative work environment</li></ul>How to Apply Interested candidates are encouraged to submit their CV and a brief cover letter highlighting relevant credit analysis experience. We look forward to welcoming a dedicated finance professional to our team in Al Rayyan.Job Type: Full-timePay: QAR200,000.00 per yearWork Location: In person

Credit Analyst

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