credit underwriter

BOK Financial

<div><div>Req ID: 77745</div>
<div>Location: Houston -HOUS</div>
<div>Areas of Interest: Commercial Credit Underwriter; Commercial Banking; Portfolio Management</div>
<div>Pay Transparency Salary Range: Not Available</div>
<div>Application Deadline: 04/08/2026</div>
<div>BOK Financial Corporation Group includes BOKF, NA; BOK Financial Securities, Inc. and BOK Financial Private Wealth, Inc. BOKF, NA operates TransFund and Cavanal Hill Investment Management, Inc. BOKF, NA operates banking divisions: Bank of Albuquerque; Bank of Oklahoma; Bank of Texas and BOK Financial&reg;.</div>
<div><div><div><h2 class="jobSectionHeader">
Bonus Type</h2>
</div><div><div>BOKF Performance Plan (D02)</div></div></div><div><div><h2 class="jobSectionHeader">
Summary</h2>
</div><div><div>
Join us as a Credit Product Underwriter II. Our commitment to you is a positive work environment, a deep connection to our communities, and a focus on putting our clients first. As an industry-leading provider of sophisticated financial solutions, we believe no challenge is too big, and no opportunity is too small when we work together to build relationships.</div>
</div></div><div><div><h2 class="jobSectionHeader">
Job Description</h2>
</div><div><div>
The Credit Products Underwriter II - Corporate is primarily responsible for underwriting complex financial transactions, including the financing of investment real estate, owner-occupied real estate, working capital, equipment, and LBOs/acquisitions. In addition, the Credit Products Underwriter is responsible for providing product and industry expertise to the client by designing and executing solutions on more complex clients. The CPU will have client facing responsibilities, providing the necessary consultation to deliver the best possible integrated solution to the client. The majority of the CPUs time will be balanced between analysis of clients, design and execution of deals, and joint client calls with RMs to provide advice. The Credit Products Underwriter II will partner with the RMs to assist in generating revenue and profitability.</div>
</div></div><div><div><h2 class="jobSectionHeader">
Team Culture</h2>
</div><div><p>
We live the company values in everything we do and act with honor and transparency. We leverage collaborative teamwork when expressing credit concerns and developing solutions for new deals and opportunities. The entire team works hand-in-hand on write-ups.</p>
<p>The Credit Product Underwriter provides a solid foundation for opportunities throughout the organization. Underwriters develop into more senior credit professionals or leverage their experience with clients to transition into sales.</p>
</div></div><div><div><h2 class="jobSectionHeader">
How You'll Spend Your Time</h2>
</div><div><ul><li>You will independently prepare credit analysis on middle-market transactions, which impact profits for the lending division.</li>
<li>You will collaborate with the Credit Concurrence Officer to provide additional information and/or to support conclusions reached in analysis.</li>
<li>You will participate in joint calling on prospects and clients with the Relationship Managers to gather key information for proper credit analysis.</li>
<li>You will write all commitment reports for specified loans and be responsible for expanding and retaining your credit portfolio.</li>
</ul></div></div><div><div><h2 class="jobSectionHeader">Education &amp; Experience Requirements</h2>
</div><div><div>
This level of knowledge is normally acquired through completion of a Bachelor&rsquo;s degree and 5-7 years Credit Analysis/Credit products underwriter experience; Or 13-15 years of equivalent work related experience.</div>
</div></div><div><div><h2 class="jobSectionHeader">
Working Conditions &amp; Physical Requirements</h2>
</div><div><div>Office - 20 lbs</div></div></div></div><div>
BOK Financial Corporation Group is a stable and financially strong organization that provides excellent training and development to support building the long term careers of employees. With passion, skill and partnership you can make an impact on the success of the bank, customers and your own career!<br>
Apply today and take the first step towards your next career opportunity!<br>
<br>
The companies in BOK Financial Corporation Group are equal opportunity employers. We are committed to providing equal employment opportunities for training, compensation, transfer, promotion and other aspects of employment for all qualified applicants and employees without regard to sex, race, color, religion, national origin, age, disability, pregnancy status, sexual orientation, genetic information or veteran status.</div>
<div>Please contact recruiting_coordinators@bokf.com with any questions.</div></div>

Credit Products Underwriter II - Corporate Banking

Wells Fargo

<div><p>At <b>Wells Fargo</b>, we are looking for talented people who will put our customers at the center of everything we do.</p><p></p><p>
Help us build a better <b>Wells Fargo</b>. It all begins with outstanding talent. It all begins with you.</p><p></p><p><b>
Wealth &amp; Investment Management (WIM)</b> is one of the United States' leading providers of financial and investment services. We offer a full range of personalized wealth management, investment, planning, and retirement products and services to help meet clients' unique needs and to help them pursue their financial goals more confidently. We bring together subject matter expertise, products, and services, so it's easier for clients to do business with us and for advisors to support their clients.</p><p></p><p><b>
Banking, Lending, &amp; Trust</b> <b>(BL&amp;T)</b> unlocks access to Wells Fargo Bank products and services to high-net-worth and ultra-high-net-worth individuals and families based on needs related to banking, custom lending, and trust services. These bank specialists leverage resources, valuable research, relationships, custom solutions, and highly tuned strategies to address clients' unique needs and aspirations.</p><p></p><p>
Provides support to <b>WIM</b> in providing services to affluent, high net worth and ultra-high net worth individuals, families, family offices and charities. <b>BL&amp;T</b> further provides legal guidance on a variety of banking and fiduciary topics including investment management, general trust administration, specialty trusts, custody, tax, specialty assets, regulatory, privacy, ecommerce, deposit relationship and strategy, and business strategies. The section also provides support to the WIM Diverse Segments group, including <b>WIM</b> referral activity</p><p></p><p><b>
About this role:</b></p><p>
Wells Fargo is seeking a Lead Wealth Underwriter to join its Wealth &amp; Investment Management Specialty Finance Group (&quot;SFG&quot;). SFG is a national team within WIM that provides specialized expertise in structuring, underwriting and managing large and highly complex commercial-type credits for Ultra High Net Worth individuals and families...Working at Wells Fargo | Jobs and Careers at Wells Fargo (wellsfargojobs.com)</p><p></p><p>
One of SFG&rsquo;s primary offerings is Life Insurance Premium Finance (LIPF), with a current portfolio of ~$2B. The Underwriter will primarily be responsible for underwriting and executing new LIPF transactions, as well as monitoring a portfolio of LIPF credits. The underwriter will also have an opportunity for exposure to SFG's other offerings including liquid secured, fine art, aircraft, unsecured and other unique collateral types.</p><p><b>
...</b></p><p><b><br>
In this role, you will:</b></p><ul><li>
Spearhead financial analysis and due diligence around UHNW sponsors; distill complex credit situations into key risks/mitigants and clear and concise underwriting memos for consumption by senior leaders and credit-risk decision makers;</li><li>
Develop subject matter expertise in the LIPF space to ensure seamless presentation and analysis of key sponsor and collateral considerations.</li><li>
Lead loan structuring and as well as negotiations of legal documentation of loan transactions with outside counsel;</li><li>
Ensure compliance with company/regulatory policies and procedures;</li><li>
Manage a loan portfolio to ensure loan performance and compliance with key financial reporting and covenant requirements, premium funding/draw schedules, maintenance of risk rating accuracy, and escalation of any developing issues.</li><li>
Manage on-going relationships with internal business partners including Custom Credit Bankers, Relationship Managers and leaders across product and relationship teams as well as borrowing clients and their family office personnel</li><li>
Lead complex initiatives including those that are cross-functional with broad impact and act as a key participant in large-scale planning for Wealth Underwriting</li><li>
Review, analyze, and evaluate complex challenges related to multi-faceted, larger scale high-net-worth loans structures, existing portfolio issues, and complex business, operational, or technical challenges that require an in-depth evaluation of multiple factors including intangible or unprecedented factors, present recommendations for resolution</li><li>
Make decisions on complex and multi-faceted credit risk management issues to ensure satisfactory credit portfolio risk examinations requiring solid understanding of Wealth Underwriting functional area policies, procedures, regulations, and compliance requirements that influence and lead the Wealth Underwriting team to meet deliverables and drive new initiatives</li><li>
Strategically collaborate and consult with Wealth Underwriting peers, colleagues, and mid-level to senior level managers to resolve issues and achieve goals; serve as a peer mentor</li><li>
Partner with Custom Credit Banker and Financial Advisor to provide guidance on due diligence, credit, and loan document negotiations with clients</li></ul><p></p><p><b><br>
Required Qualifications:</b></p><ul><li>
5+ years of Wealth Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education</li></ul><p><b><br>
Desired Qualifications:</b></p><ul><li>
Thorough knowledge of financial accounting theory and logic, financial statement analysis, loan structuring and commercial banking products and services.</li><li>
Good credit skills including an ability to structure, negotiate, and document a broad range of loan types, structures and complex requests.</li><li>
Strong interpersonal, communication, writing and partnering skills.</li><li>
Ability to make sound, independent business and credit decisions.</li><li>
A background in wealth or commercial lending/underwriting is preferred. Familiarity with esoteric collateral asset classes including, but not limited to illiquid/concentrated stock, aircraft, unsecured, life insurance, alternative assets, art, etc. is a plus - especially LIPF experience.</li><li>
Experience in capital markets, commercial/corporate/investment banking, commercial real estate lending or similar is desired.</li></ul><p><b><br>
Job Expectations:</b></p><ul><li><p>
Specific compliance policies may apply regarding outside activities and/or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process.</p></li></ul></div>

Wealth Specialty Finance Underwriter

Climate First Bank

<div><p><b>We are changing FINANCE to finance CHANGE!</b></p>
<p>
At <b>Climate First Bank</b>, we&rsquo;re redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services&mdash;including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans&mdash;all designed to power a better future. We&rsquo;re proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking.
</p><p>With branches in <b>St. Petersburg, Winter Park, Mount Dora</b>, and a growing <b>digital presence</b>, we&rsquo;re proving that banking can be a force for good. We don&rsquo;t just support environmental and social causes&mdash;we&rsquo;re built on them.
</p><p>Under the <b>Climate First Bancorp Holding Company</b>, we are proud to be powered by our subsidiary <b>OneEthos</b>, which operates at the intersection of fintech and traditional banking to accelerate access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it empowers Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools &mdash; especially in climate finance and solar lending.
</p><p><b>Join the Movement</b>
</p><p>We&rsquo;re seeking <b>driven, mission-aligned</b> individuals ready to make an impact. If you&rsquo;re passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home.
</p><p>Our team is one of <b>goal-setters, go-getters, problem solvers, thought leaders, and changemakers</b>. We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality.<br>
</p><p></p><p><b>Now Hiring: Renewable Energy Underwriter</b>
</p><p>We&rsquo;re seeking a <b>Renewable Energy Underwriter </b>that is responsible for underwriting and credit analysis of renewable energy and sustainability-focused financing, including solar, energy storage, and energy efficiency projects. The role supports mission-driven growth while ensuring strong credit quality, regulatory compliance, and adherence to internal credit policies.
</p><p>The ideal candidate brings strong financial analysis expertise along with knowledge of renewable energy project structures, cash flow modeling, and industry-specific risks.<br>
</p><p></p><p><b>Thrive at Climate First Bank
</b></p><p>At Climate First Bank, we invest in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance.
</p><p><b>Compensation</b> <b>&mdash; </b>In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors.
</p><p><b>Health Coverage</b><b> &mdash; </b>100% employer-paid for employees; employer contribution for dependents by Us
</p><ul><li><b>Medical, Dental &amp; Vision Insurance</b>
</li><li><b>Health Savings Account (HSA)</b>
</li><li><b>Free Telemedicine access via Teladoc</b>
 </li></ul><p><b>Financial Wellness &amp; Wealth Building</b>
</p><ul><li><b>401(k) with 6% Employer Match &mdash;</b> No Vesting Period.
</li><li><b>Employee Stock Options</b>
</li><li><b>Exclusive Employee Banking Perks</b>
</li><li><b>0% Financing for Employee Solar Loans</b>
</li><li><b>Employee Only Mortgage Product </b>with exclusive interest rates and terms.
</li><li><b>0% Financing for Eligible Electric Vehicles (EVs)</b>
</li><li><b>Referral Incentives</b>
</li></ul><p><b>Generous Paid Time Off</b>
</p><ul><li><b>2&ndash;4 Weeks of Vacation</b> based on officer level plus additional tenure-based time.
</li><li><b>64 Hours of Paid Sick Time </b>for all full-time employees.
</li></ul><p><b>Protection &amp; Peace of Mind</b>
</p><ul><li><b>Company-Paid Life Insurance</b>
</li><li><b>Short- &amp; Long-Term Disability Insurance</b>
</li><li><b>Voluntary Life, Accident &amp; Critical Illness Coverage</b></li>
<li><b>Employee Assistance Program (EAP) </b>with free counseling, legal, and financial services.</li>
</ul>
<p><b>What You&rsquo;ll Contribute as a Renewable Energy Underwriter</b>
</p><p><b>Renewable Energy Credit Underwriting &amp; Deal Evaluation</b>
</p><ul><li>Underwrite construction, term, and bridge financing for renewable energy projects including solar, storage, and energy efficiency.
</li><li>Analyze borrower and sponsor financias, tax returns, cash flow, and global debt service coverage.</li>
<li>Evaluate project-level economics, including PPA and off-take agreements, incentive structures (e.g., tax credits), operating assumptions, collateral, guarantees, and overall credit structure.</li>
</ul>
<p><b>Risk Assessment, Documentation &amp; Credit Governance</b>
</p><ul><li>Identify and assess key project risks, including construction, technology, regulatory, counterparty, and performance risk.
</li><li>Prepare clear, well-documented credit memoranda with risk mitigation strategies.
</li><li>Ensure compliance with internal credit policy, underwriting standards, and regulatory requirements.</li>
<li>Participate in credit committee discussions and respond to senior credit leadership inquiries.</li>
</ul>
<p><b>Portfolio Monitoring &amp; Ongoing Credit Management</b></p>
<ul><li>
Monitor portfolio performance and support annual reviews, renewals, and covenant compliance.</li></ul>
<p><b>
Champion Our Mission, Protect What Matters</b>
</p><ul><li>Embody a commitment to environmental, social, economic, and racial justice.
</li><li>Apply interest in our core values and pursue education related to sustainability practices.
</li><li>Pursue and demonstrate an understanding of established Bank policies, procedures, and regulations.</li>
<li>Protect the organization and its customers by identifying and escalating suspicious or fraudulent activity in collaboration with appropriate teams.</li>
<li>Maintain working knowledge of applicable laws, regulations, and Bank policies; complete all required compliance and IT training.</li>
</ul>
<p><b>What You&rsquo;ll Leverage in this Role:</b>
</p><p><b>Experience &amp; Education</b>
</p><ul><li>Bachelor&rsquo;s degree in finance, accounting, economics, or a related field.
</li><li>3-7+ years of commercial credit underwriting or project finance experience.
</li><li>Preference for renewable energy, infrastructure, or solar, storage, wind, or energy efficiency financing.
</li><li>Knowledge of tax equity, PPA structures, and renewable energy incentives preferred.
</li><li>Experience working in a mission-driven or values-based financial institution strongly preferred.</li>
</ul>
<p><b>Entrepreneurial Self-Starter Mentality - </b>You own your work product and consistently deliver high-quality, measurable results. You apply strong financial statement analysis and cash flow modeling skills to underwrite complex commercial or project-based loans efficiently and with limited supervision. You thrive in a fast-paced, high-expectation environment and are motivated by continuous growth.
</p><p><b>Master Communicator - </b>You communicate with clarity, confidence, and professionalism across in-person, virtual, and written channels. You listen actively, respond thoughtfully, and engage effectively with stakeholders at all levels while building strong relationships and influencing sound decisions.
</p><p><b>Banking &amp; Fintech Acumen</b>- You bring strong knowledge of financial products, regulations, and underwriting best practices, along with the ability to interpret complex financial reports and business structures.
</p><p><b>Tech-Forward and Analytical Thinking </b>- You adopt new tools quickly and leverage technology to improve efficiency and streamline underwriting.</p>
<p><b>
Commitment to Being a Team Player </b>- You lift others up, share ideas, and bring positive energy to everything you do. You know what it takes to operate as a part of a larger team and cherish opportunities to contribute to the big picture. You&rsquo;re dependable, communicate clearly and always happy to lend a hand where needed.</p><p></p><p><b><br>
What to expect from your physical environment</b>
</p><ul><li>Remote role within the United States; Eastern Standard Hours.
</li><li>Occasional U.S. travel for company events or leadership sessions.
</li><li>Sustained standing and sitting.
</li><li>Frequent communication (speaking and listening) and use of PC, including typing or sustained attention to monitor.
</li><li>Occasional lifting up to 20 lbs.</li>
</ul>
<p><b>What to expect from the hiring process:</b>
</p><p>Our process follows the Topgrading Methodology &mdash; we hire A-Players through a structured, transparent process.
</p><ul><li>Credit and background checks conducted upfront.
</li><li>3 conversation stages with key team members. We welcome questions and dialogue!
</li><li>Cognitive and personality assessments, as well as in-depth application spanning your full education and work history.
</li><li>Final Step: Connect us with former mentors and managers for brief reference chats.</li>
</ul>
<p><b>HOW TO APPLY: </b>Apply through the official application link. Resumes sent via unofficial channels may be delayed or not reviewed. All applicants receive confirmation upon submission. Due to high volume, processing times may vary. We will email or text updates throughout the process.<br>
</p><p></p><p>Equal Opportunity Statement:
</p><p>At Climate First Bank we truly believe that our people are our strength and the diverse talents they bring to our workforce are directly linked to our success. Diversity and inclusion are at the core of our values and mission. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.</p>
<p>
Equal Opportunity Employer/Disability/Veterans
</p><p>E-Verify Statement: This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.</p>
<p>
If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can being to resolve the issues before the employer can take any action against you, including terminating your employment.</p>
<p>
Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.</p></div>

Renewable Energy Underwriter

American Pacific Mortgage

<div></div><div><div><h1 class="jobSectionHeader"><b>JOB DESCRIPTION</b></h1><div></div><div><b><br>
Job Title: </b>Underwriter</div><div><b>
Department: </b>Operations</div><div><b>
Reports to: </b>Underwriting Manager</div><div><b>
FLSA Status: </b>Non-Exempt</div><div><b>
Prepared By</b>: Human Resources</div><div><b>
Prepared Date</b>: September 16, 2024</div><div><b>
Management</b></div><div><b>
Approval: </b>Underwriting Manager</div><div></div><div><b><br>
Summary: </b>The Underwriter is responsible for providing efficient, timely, consistent, accurate quality loan decisions on a daily basis and underwrite loans that adhere to APM Underwriting Policy and Procedures as well as adhere to the investor guidelines, policies and procedures. Additionally, they are responsible for answering questions and assisting with problem solving with other underwriting staff.</div><h1 class="jobSectionHeader"><b>
Essential Duties &amp; Responsibilities:</b></h1><h1 class="jobSectionHeader"><b>
</b></h1><ul><li>
Respond to both internal and external QC audit findings in a timely and proficient manner.</li><li>
Underwrite a minimum of 2 loans per day and complete outstanding conditions in a timely manner.</li><li>
Review files for accuracy and completeness according to the Underwriter Checklist, APMC guidelines and investor/agency guidelines.</li><li>
Run files through Quality Control tools.</li><li>
Communicate effectively with processors and loan officers on status of loan files and conditions.</li><li>
All other related duties assigned</li></ul><div><b><br>
Supervisory</b></div><div><b>
Responsibilities:</b> None</div><div></div><div><b><br>
Qualifications: </b>To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</div><div></div><div><b><br>
Competencies: </b>To perform the job successfully, an individual should demonstrate the following competencies:</div><div></div><div><b><br>
Problem Solving </b>&ndash;Analytical, evaluative, and problem-solving. Identifies and resolve problems promptly; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics.</div><div></div><div><b><br>
Detail Oriented &ndash; </b>Keen attention to detail</div><div></div><div><b><br>
Interpersonal Skills </b>&ndash;Ability to set and manage priorities judiciously Maintains confidentiality; keeps emotions under control.</div><div></div><div><b><br>
Oral Communication </b>&ndash; Ability to present ideas in business-friendly and user-friendly language. Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; participates in meetings.</div><p></p><div><b><br>
Written Communication </b>&ndash; Writes clearly and informatively; edits work for spelling and grammar; presents numerical data effectively; able to read and interpret written information.</div><div></div><div><b><br>
Teamwork </b>&ndash; Ability to work in a team-oriented, collaborative environment. Contributes to building a positive team spirit.</div><div></div><div><b><br>
Attendance/Punctuality </b>&ndash; Is consistently at work and on time, ensures work responsibilities are covered when absent.</div><div></div><div><b><br>
Dependability </b>&ndash; Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; complete tasks on time or notifies appropriate person with an alternate plan.</div><div></div><div><b><br>
Initiative </b>&ndash; Exceptionally self-motivated and directed. Volunteers readily; undertakes self-development activities; seeks increased responsibilities.</div><div></div><div><b><br>
Innovation </b>&ndash; Displays original thinking and creativity; generates suggestions for improving work.</div><p></p><h1 class="jobSectionHeader"><b><br>
Education &amp;</b></h1><h1 class="jobSectionHeader"><b>
Experience:
</b></h1><ul><li><h1 class="jobSectionHeader"><b>Proven Experience with Encompass Required</b></h1></li><li><h1 class="jobSectionHeader"><b>
At least three (3) years underwriting experience.</b></h1></li><li>
Authority to underwrite CONV and when designated authority is authorized, USDA and/or Jumbo products to APMC or investor guidelines</li><li><h1 class="jobSectionHeader"><b>
General experience and understanding of the following products:</b></h1><ul><li><h1 class="jobSectionHeader"><b>
Mortgage Builder</b></h1></li><li><h1 class="jobSectionHeader"><b>
Microsoft Word and Excel</b></h1></li><li><h1 class="jobSectionHeader"><b>
Outlook</b></h1></li><li><h1 class="jobSectionHeader"><b>
Internet navigation</b></h1></li></ul></li></ul><div><b>
Skills</b>:</div><div><b>
Language Skills</b>: Ability to read and interpret documents and writes routine correspondence. Ability to speak effectively with customers/vendors or other employees.</div><div></div><div><b><br>
Mathematical Skills</b>: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent.</div><div></div><div><b><br>
Reasoning Ability</b>: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situation.</div><div></div><div><b><br>
Computer Skills</b>: Sound working knowledge of computer and office software operations and systems. Encompass required.</div><div></div><div><b><br>
Physical Demands</b>: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</div><div></div><div><br>
While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to walk and stoop.</div><div></div><div><b><br>
Work Environment</b>: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</div><div></div><div><br>
The noise level and temperature in the work environment is usually moderate.</div></div></div><div></div>

UNDERWRITER

City National Bank

<div><div><b>CREDIT ASSOCIATE SR</b></div><div></div><div><b><br>
WHAT IS THE OPPORTUNITY?</b></div><div>
The Credit Associate is responsible for supporting credit analysis and portfolio management activities. This role involves assisting with credit data analysis, underwriting, and portfolio review activities including facilitating credit risk recommendation. The Credit Associate may be assigned a book of lower-complexity loans and relationships. The Credit Associate collaborates with team members to ensure effective credit operations. The Credit Solutions Associate helps maintain high standards of credit quality and compliance</div><div></div><div><b><br>
WHAT WILL YOU DO?</b></div><div><ul><li>
Credit Analysis: Performs credit analysis activities to assess creditworthiness of borrowers, guarantors, and sponsors.</li><li>
Performance Monitoring: Performs portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking.</li><li>
Data Analysis: Analyzes credit data, market and industry reports, trendcards, and prepare credit presentations to support underwriting and portfolio management.</li><li>
Risk Management: Supports effective risk management practices, maintaining high standards of credit quality and origination in alignment with Bank&rsquo;s credit risk appetite, and compliance with institutional and regulatory requirements.</li><li>
Collaboration: Works closely with team members to ensure cohesive and effective credit operations. Participate in ad-hoc projects to support the organization&rsquo;s priorities.</li><li>
Learning and Development: Demonstrates a strong desire to learn underwriting and portfolio management skills, actively seeking opportunities for professional growth and development, eventually leading to ownership of a portfolio of credits.</li></ul></div><div></div><div><b><br>
WHAT DO YOU NEED TO SUCCEED?</b></div><div><b>
Required Qualifications*</b><ul><li>
Bachelor's Degree or equivalent in Finance, Business, or related field</li><li>
Minimum 2 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries</li></ul><div>
</div><div><div><b>
Additional Qualifications</b></div><ul><li>
Extensive experience in credit management and lending operations, with a strong understanding of risk management principles</li><li>
Desire to build leadership and coaching skills, with the ability to train and develop talent</li><li>
Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams</li><li>
Extensive analytical skills, with the ability to interpret complex data and make informed decisions</li><li>
Industry-specific knowledge and expertise</li></ul></div><div><b><br>
WHAT'S IN IT FOR YOU?</b></div><div><b>
Compensation</b><div>
Starting base salary: $37.96 - $60.64 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.</div></div><div><b><br>
Benefits and Perks</b></div><div>
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:<ul><li>
Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date</li><li>
Generous 401(k) company matching contribution</li><li>
Career Development through Tuition Reimbursement and other internal upskilling and training resources</li><li>
Valued Time Away benefits including vacation, sick and volunteer time</li><li>
Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs</li><li>
Career Mobility support from a dedicated recruitment team</li><li>
Colleague Resource Groups to support networking and community engagement</li></ul><div>
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Get a more detailed look at our Benefits and Perks.</div></div><div><b><br>
ABOUT US</b></div><div>
Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America&rsquo;s leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at About Us.</div><div><b><br>
INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT</b></div><div>
City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.<br>
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It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.<br>
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<ul><li>Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.</li></ul><br>
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.</div></div></div>

Credit Associate Sr

GreenStone Farm Credit Services

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 Are you an experienced Credit Analyst looking for a dynamic and fulfilling career opportunity in the agriculture lending space? Greenstone Farm Credit Services invites you to be a part of our growing family and make a real impact on the communities we serve.
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 We are seeking an experienced Credit Analyst to join our team. In this role, you will be at the forefront of the credit approval process, offering your expertise on medium to moderately larger loan requests. Your contributions will directly impact the soundness and comprehensiveness of our credit decisions, ensuring the financial well-being of the communities we serve.
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  Get to know GreenStone
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 Our $15 billion portfolio of customers, ranging from rural homeowners to global agriculture and food businesses, provides our employees with a unique opportunity to maintain a local presence while working for a top workplace. Our diverse business structure provides exciting opportunities for passionate, talented professionals in many areas. Additionally, many of our team members are highly respected in their area of expertise at both the state and national level making GreenStone one of the top Farm Credit associations in the country.
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  Culture
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 Core Four values steer everything we do at GreenStone. Customer First, Deliver Quality, Get involved, Do the right thing. Employees work as a team to create a company fueled by the desire to best serve each other and our customers every day. Greenstone culture promotes innovative thinking, professional development, health and wellness, and a relaxed work environment with flexible schedules.
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 <strong>
  What can we offer you?
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 GreenStone trusts the people we hire. We empower employees to make the best decisions for the customer and the company.
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 GreenStone has an outstanding Total Rewards package, which includes, but is not limited to:
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   15 vacation days, 12 sick days, and 12 paid holidays per year
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   16 hours of volunteer time
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   Paid parental leave
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   401(k) plan &ndash; up to a 9% employer contribution/match
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   Medical, Dental, Vision, STD, LTD, Life/AD&amp;D benefits, etc.
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   $150/year Logo Wear allowance
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   $400/year Wellness Subsidy/Reimbursement &amp; wellness programs
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   $6,000 lifetime maximum Student Debt repayment program
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   Yearly bonus/incentive opportunity available to all benefit eligible employees
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 </ul>
 <strong>
  Day in the life of a Credit Analyst
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   Detailed Analysis: Examine loan requests with meticulous attention to detail, producing accurate and thorough assessments.
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   Financial Analysis: Conduct comprehensive financial analysis, evaluate earnings data, prepare income projections, and compile comparative data using similar farms or credit standards. Utilize your skill in ratio analysis to assess creditworthiness.
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   Loan Narratives: Prepare and present detailed loan narratives that provide a comprehensive view of the applicant's capital, capacity, collateral, conditions, key risks, mitigants, and recommendations for approvals. You may also contribute to the character section.
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   Portfolio Management: Assist in portfolio management by monitoring specific loan covenants and ensuring borrowers meet their financial obligations. Your role is critical to safeguarding the organization's interests.
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   Legal Documentation: Review legal documentation associated with loan requests to ensure that credit terms align with our risk appetite and credit policies, reducing risks and maintaining consistency.
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   Market Insights: Stay updated on industry trends, regulatory changes, and market conditions to make informed underwriting decisions. Your knowledge will be invaluable in adapting to evolving financial landscapes.
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   Collaboration: Work closely with cross-functional teams to ensure that customer loan applications are processed efficiently through closing. Your collaboration will help ensure that our customers receive the support and financial solutions they need in a timely manner.
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  What Experience can you Bring?
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   Bachelor&rsquo;s degree is required. Degree in business, accounting, agriculture business management or related field is preferred.
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   Deep understanding of credit analysis underwriting, risk assessment and financial modeling on larger, more complex requests.
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   Strong analytical and problem-solving skills.
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   Exceptional attention to detail and accuracy.
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   Excellent communication and teamwork abilities.
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  What will set you Apart?
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   1+ years in credit analysis/underwriting, financial services, or agricultural lending experience.
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   Agriculture background
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   Knowledge of GAAP accounting principles.
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   Experience with commercial lending concepts, terminology, and commercial credit analysis
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  </li>
 </ul>
 GreenStone Farm Credit Services is an equal opportunity employer. It is our policy to provide equal employment opportunity to all persons regardless of race, color, religion, national origin, sex, sexual orientation, gender identity, age, disability, veteran status, genetic information, or any other characteristic protected by law. We comply with all federal, state and local equal employment opportunity regulations. We conduct all personnel decisions and processes relating to our employees and job applicants in an environment free of discrimination and harassment.
</div>


Credit Analyst / Senior Credit Analyst

MERCHANTS & MARINE BANK

<div><p><b>&quot;Candidates must be authorized to work in the U.S. without the need for current or future company sponsorship.&quot;</b></p><p><b>
Overview:</b></p><p><b>
Community of Resources (COR) is a division of Merchants and Marine Bank</b>, proudly serving the communities along the Gulf Coast since 1899. At COR, we are the heartbeat of our family of brands. We provide operational, information technology, and risk mitigation services to our brands within the Merchants &amp; Marine Bancorp ecosystem, a well-established holding company with a staff of approximately 300 employees. We are committed to providing exceptional banking services for our customers and fostering a positive work environment for our employees.</p><p><b>
Why Work for Us:</b></p><ul><li>
Medical, Vision and Dental Insurance</li><li>
401-K Plan</li><li>
11 Paid Holidays</li><li>
Personal Paid Time Off</li><li>
Term Life, AD&amp;D and Disability Insurance</li><li>
Student Loan and Tuition Assistance</li><li>
Fitness Center Reimbursement</li></ul><p><b>
Job Purpose</b></p><p>
Responsible for providing financial/credit analysis for commercial and some consumer loans, perform research on industry trends, spread financial statements, underwrite loan requests, and prepare internal reports. Work is generally independent with occasional guidance on more complex tasks within the job function.</p><p><b>
Essential Functions and Responsibilities</b></p><ul><li>
Analyzes sources of financial information, such as financial statements, credit bureau reports and cash flows to determine potential risk and profitability of loan.</li><li>
Works directly with Loan Officers to obtain all necessary information needed to underwrite loan requests and ensure continued financial capacity and adherence to loan policy and covenants.</li><li>
Prepares spreadsheets, interprets financial information, and develops cash flows of prospective and existing borrowers; reports findings and makes recommendations to improve credit quality and minimize risk of potential losses.</li><li>
Gains exposure to some of the more complex tasks within the job function while working more independently on less complex tasks.</li><li>
Assists in preparing and maintaining the watch list and non-accrual reports for the Bank.</li><li>
Assists in analyzing existing and perspective vendors of the Bank, on an annual basis and on request.</li><li>
Helps maintain credit shared files to ensure the adequacy of loan approval documents and supporting information.</li><li>
Completes all required training and maintains effective knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, as they apply to your position and job responsibilities.</li><li>
Contributes to efficiencies by offering innovative solutions to problem areas or issues within the credit function.</li><li>
Performs other duties and responsibilities as assigned to support the banks strategic objectives.</li></ul><p><b>
Qualifications</b></p><ul><li>
Associate degree with coursework in accounting required. Bachelors degree preferred.</li><li>
Minimum 2-4 years related experience in credit underwriting and analysis.</li><li>
Must be able to demonstrate strong oral, written and interpersonal communication skills, interpret documents, understand procedures, write reports and correspondence, and communicate effectively to customers and employees.</li><li>
Must have working knowledge of banking and compliance laws, regulations, financial analysis, and credit practices in consumer and commercial lending.</li><li>
Must possess strong leadership, teamwork, problem solving, and analytical skills.</li><li>
Must have strong knowledge of standard computer applications including MS Word, Excel, and Outlook.</li><li>
Must be able to understand and interpret financial data (Balance Sheets, Income Statements, Cash Flow Statements, Financial Ratios, etc.) and apply those skills as they pertain to the loan underwriting process.</li><li>
Must be detail-oriented in order to generate accurate reports.</li><li>
Must have exceptional time management skills and be able to organize, prioritize and perform multiple tasks simultaneously.</li><li>
Must be able to adjust quickly to different work situations; remain composed under pressure and stressful situations.</li><li>
Must be able to work independently with occasional guidance on more complex aspects of the work.</li><li>
Must be able to stay current on all changes within the banking industry as they pertain to the credit function.</li><li>
Must maintain an effective knowledge of bank operations, credit and lending policies and procedures, and accounting and finance.</li><li>
Cross-sell other services of the bank.</li><li>
Uphold the M&amp;M Bank Code of Ethics and ensure that confidential information is safeguarded. Support and uphold the M&amp;M Bank Mission Statement.</li><li>
Adhere to all Company Policies &amp; Procedures.</li><li>
Maintain a high level of cooperation and rapport with all associates to ensure accurate and efficient operations and service.</li><li>
Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the bank's overall operation.</li></ul><p>
For more information, contact Careers@MandMbank.com</p></div>

Credit Analyst

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