loan analyst

PlainsCapital Bank

<div><p>The Loan Review Analyst is responsible for conducting independent, in-depth evaluations of the Bank&rsquo;s commercial loan portfolio to assess credit quality, risk rating accuracy, and compliance with internal policies and regulatory standards. Additionally, the role contributes to the continuous enhancement of loan review methodologies and collaborates cross-functionally with credit, lending, and risk management teams to support sound credit decision-making and portfolio management. This role requires a strong foundation in financial and/or credit analysis and commercial lending, along with the ability to identify emerging risks and trends across various industries and loan types.</p></div>
<br><div><ul><li>Bachelor&rsquo;s Degree in business or related field required. Strong preference for Finance or Accounting major or concentration; however, equivalent work experience may substitute for a different academic focus.
</li><li>2 to 4 years of experience in loan review, financial analysis, credit review, or financial examinations (e.g., with regulatory agencies or supervisory bodies) required.
</li><li>Demonstrated knowledge across various loan types, but special emphasis on non-owner occupied commercial real estate and C&amp;I borrowers.
</li><li>Excellent verbal, written and interpersonal communication skills.
</li><li>Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
</li><li>Demonstrated ability to translate complex data into clear, actionable reports for upper management.
</li><li>Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
</li>Must be self-motivated with strong initiative, accountability, and attention to detail.<br>
<li>
</li></ul><p></p><p><i>The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.</i></p></div>
<br><div><ul><li>Conducts routine reviews of diverse loan portfolios, including commercial, equipment, SBA, mortgage, HELOC, and participations, to evaluate asset quality, documentation completeness, and adherence to internal policies and regulatory standards.
</li><li>Consolidates review findings and supporting analyses into clear, concise executive summaries for use by senior management and examiners.
</li><li>Monitors the overall credit health of the loan portfolio, identifying shifts that may warrant changes in lending practices or reclassification of assets.
</li><li>Evaluates internal lending processes such as loan approvals, policy exception tracking, supervisory loan-to-value limits, underwriting practices, covenant monitoring, internal controls, concentration risk reporting, and ALLL methodology.
</li><li>Validates the accuracy, completeness, and quality of loan documentation and financial analysis supporting credit decisions.
</li><li>Assesses the adequacy and effectiveness of the bank&rsquo;s loan policy, recommending updates as needed.
</li><li>Interprets findings and documents conclusions on problem loans; reviews management and resolution strategies, including the effectiveness of loan workout plans.
</li><li>Provides consultative support to loan officers, lending staff, auditors, and examiners by clarifying loan and borrower details, facilitating collaborative discussions to align perspectives, educate stakeholders, and enhance decision-making through shared insights.
</li><li>Contributes to various lending-related initiatives and projects as assigned, supporting strategic goals, process improvements, or regulatory requirements.
</li><li>Performs additional duties as assigned or required.</li></ul></div>

Loan Review Analyst

Vontive

<p>Vontive is a growing FinTech company focused on leveraging our proprietary technology to make accessing capital fast and simple for real estate investors involved in fix-and-flip projects or rental properties purchases. Vontive is working to streamline and productize every aspect of the workflow, and has recently brought loan servicing in-house. As such, much of the day-to-day responsibilities involve interfacing with legacy formats and processes, with a significant portion also going toward implementing our vision for the future.</p><p>The Servicing Analyst role is an excellent entry point for someone looking to apply client service skills and project management skills within a fintech startup. This role combines day-to-day servicing tasks with longer-term process improvement initiatives. You&rsquo;ll collaborate closely with cross-functional teams including Capital Markets, Accounting, and Product to not only solve operational challenges but also shape the future of our servicing platform.</p><p><b>Responsibilities</b></p><ul><li>Perform a range of loan servicing tasks: ACH setup, payment processing, payoff review, lien release submissions, overcharge reimbursements, mortgage verifications, county tax payment verifications, and property insurance renewals.</li><li>Monitor servicing inboxes and respond to borrower and third-party inquiries in a timely, professional manner.</li><li>Prepare payoff demand statements for internal loans and review third-party payoff demands for transferred loans.</li><li>Troubleshoot borrower issues such as failed payments, online account access, ACH changes, force-placed insurance cases, and referrals to third-party servicers.</li><li>Address insurance and property tax inquiries for both escrowed and non-escrowed loans.</li><li>Resolve borrower concerns by investigating root causes, providing clear solutions, and following through until full resolution.</li><li>Accurately document all borrower interactions within our mortgage servicing system.</li><li>Ensure all borrower&rsquo;s issues and complaints are resolved in a timely manner.</li><li>Handle inbound borrower calls and conduct outreach to resolve delinquency-related matters.</li><li>Provide feedback on servicing software tools and features to support ongoing product development.</li></ul><p><b>Qualifications</b></p><ul><li>Bachelor's degree or equivalent experience.</li><li>Exceptional customer service skills and the ability to build relationships with clients.</li><li>Understand loan transaction history inquiry, including payment activity, escrow disbursements, rate and P&amp;I changes, fee assessments, and payment reversals.</li><li>Previous loan servicing experience is preferable.</li><li>Comfortable with simple data modeling in Excel.</li><li>Strong writing and verbal skills for effective communication with the borrowers.</li><li>Passion for following established processes but motivated to drive improvements.</li><li>Obsessive attention to detail and receptive to constructive feedback.</li></ul><p><b>Location</b></p><p>San Antonio, TX (Hybrid)</p><p>Job Type: Full-time</p><p>Pay: $40,000.00 - $60,000.00 per year</p><p>Benefits:</p><ul><li>401(k)</li><li>401(k) matching</li><li>Dental insurance</li><li>Flexible schedule</li><li>Flexible spending account</li><li>Health insurance</li><li>Life insurance</li><li>Paid time off</li><li>Parental leave</li><li>Professional development assistance</li><li>Referral program</li><li>Relocation assistance</li><li>Retirement plan</li><li>Vision insurance</li></ul><p>Work Location: In person</p>

Loan Servicing Analyst

Citi

<div><p><b>Loans Operations Analyst</b></p><p>
Are you looking for a career move that will put you at the heart of a global financial institution? Then bring your analysis, detail oriented and organizing to Citi&rsquo;s Loan&rsquo;s Operations Team.</p><p>
By Joining Citi, you will become part of a global organisation whose mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.</p><p></p><p><b>
Team/Role Overview</b></p><p>
Loan Operations Analyst is the intermediate level position within EMEA Wealth management. The overall objective of this role is to provide day-to-day operations support in alignment with Citi operations support infrastructure and processes. The applicant will be a self-motivated analytical team player with the ability to independently complete their responsibilities whilst identifying process improvements and enhancements to improve quality &amp; efficiency.</p><p></p><p><b>
What you&rsquo;ll do</b></p><ul><li>
Processing loan instructions</li><li>
Monitoring tasks execution</li><li>
Independent problem resolution within the process and replying to queries received from business partners</li><li>
Proceeding team tasks and performing additional assignments</li><li>
Maintaining the procedures accordingly with Citi standards</li><li>
Participation in audits, business meetings and conference calls</li></ul><p></p><p><b>
What we&rsquo;ll need from you</b></p><ul><li>
Minimum 5.5 years of professional experience within financial institution</li><li>
Understanding of the nature of work within banking operations</li><li>
Excellent spoken and written English</li><li>
Detail-orientated with good organizational skills</li><li>
Proactive with strong sense of responsibility</li><li>
Ability and experience working in a fast paced, high pressure environment</li><li>
University Degree or equivalent experience (Finance, Economics, Accounting etc)</li></ul><p></p><p>
-</p><p><b>
Job Family Group:
</b></p>Operations - Transaction Services<p>
-</p><p><b>
Job Family:</b></p>
Loan Documentation and Processing<p>
-</p><p><b>
Time Type:</b></p>
Full time<p>
-</p><p><b>
Most Relevant Skills
</b></p>Please see the requirements listed above.<p>
-</p><p><b>
Other Relevant Skills
</b></p>For complementary skills, please see above and/or contact the recruiter.<p>
-</p><p><i>
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.</i></p><p></p><p><i><br>
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review </i><i>Accessibility at Citi</i><i>.</i><br>
<br>
<i>View Citi&rsquo;s </i><i>EEO Policy Statement</i><i> and the </i><i>Know Your Rights</i><i> poster.</i></p></div>

EMEA Loan Operations Analyst

York State Bank

<div>Description:
<p>
Join our team! We are a growing community bank in southeast Nebraska. We are looking for a Credit Analyst in our York market. This person will use sound business and banking practices to perform credit analysis for ag &amp; commercial business clients, assisting lenders in the underwriting process. While servicing all loans, they will also assist the manager in loan production as needed.</p><p><b>
Key accountabilities for this role:</b></p><ul><li>
Analyze &amp; prepare loan applications for loan committee. Develop and maintain relationships. Provide services, analysis, and consultation on an ongoing basis.</li><li>
Assist in insuring a high level of credit quality. Assist in insuring that the loan portfolio is in compliance with all bank and regulatory policies and regulations.</li><li>
Prepare loan files and assist in insuring that all loan documents are properly prepared, loan files are kept current and relative, and appropriate information is forwarded to the holding company.</li><li>
Maintain or create specialized reports as necessary.</li><li>
Assist in developing strategies that maximize growth, earnings, and efficiencies on a short (1 year) and long term (3-5 years) basis.</li><li>
Perform customer visits, appraisals, inspections for customers as needed.</li><li>
Learn how the rest of the bank works as time permits.</li><li>
Exhibit professional behavior and promote positive working relationships.</li><li>
Required to adhere to all compliance policies and procedures.</li></ul>
Requirements:
<p><b>
Required: </b>Bachelor&rsquo;s Degree in Business or related field; Ability to read, interpret, and understand financial information; Strong credit skills; Understanding of applicable laws/regulations/compliance; Knowledge of computer software, including Microsoft Office Suite and Lending Cloud; Attention to Detail; Ability to give support to multiple people; Ability to relate to customers in a courteous and professional manner; Professional image; Ability to make sound, logical decisions and to organize, prioritize, and manage multiple projects; Ability to produce accurate results, to work independently and be a self-starter.</p><p><b>
Desirable:</b> Growth oriented. Understanding of applicable software.</p><p><i>
All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability status.</i></p><p><i>
EEO</i></p><p><i>
Member FDIC</i></p></div>

Credit Analyst

The Provident Bank of New Jersey

<div><div><b>Provident Bank is seeking experienced Credit Analyst to join our growing team!</b></div><div><b>
Come learn why we are the Premier Super Community Bank!</b></div><div></div><div><br>
How would you like to join one of the most highly regarded financial institutions in New Jersey with deep roots in the community? Provident is a successful and highly regarded multi-billion-dollar bank that continues to grow with branches in New Jersey, Eastern Pennsylvania and New York. Our longevity is a testament to our commitment to placing our employees, customers, and the communities we serve at the center of all we do. At Provident Bank, we are committed to enhancing our customer and employees&rsquo; experience.</div><div></div><div><b><br>
POSITION SUMMARY:</b></div><div>
As a Credit Analyst you will be responsible for detailed research and credit analysis of complex credit requests in Commercial Credit Underwriting C&amp;I Regional Department. The incumbent is expected to have comprehensive knowledge of credit &amp; risk analysis, credit rules, structuring of credits, regulations and documentation with the ability to exercise independent judgment within established Underwriting Guidelines and Credit Policy. At this level, the incumbent is expected to increasingly work with and assist the Commercial Loan Officers on customer calls and structuring deals. The incumbent will show leadership in training less experienced staff members and handle more complex and/or challenging assignments (e.g., larger deals or complicated requests with the highest level of relationship exposure under Executive Leadership and Credit Committee Approval Authority &ndash; Level 8 &amp; 9). The incumbent will have a key role of consequence to the team outside of their credit related work. For instance, 3rd party vendor management responsibilities, reporting, and special projects.</div><div></div><div><b><br>
KEY RESPONSIBILITIES:</b></div><ul><li>
Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short-term extension of existing loans.</li><li>
Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short-term extension of existing loans.</li><li>
Accompany Commercial Loan Officers on customer and prospect calls. Participate in discussions with management regarding creditworthiness of proposed loan requests.</li><li>
Conduct third party research, inclusive of industry reports, personal credit reports, real estate analysis with market assessments, etc.</li><li>
Prepares reports and handles special assignments</li><li>
Assists in 3rd party vendor management responsibilities</li><li>
Subject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts.</li></ul><div></div><div><b><br>
MINIMUM QUALIFICATIONS:</b></div><ul><li>
Bachelor&rsquo;s degree in finance, Accounting or Economics. MBA preferred.</li><li>
Formal credit training or higher banking education (i.e. Graduate School of Banking, Stonier, etc).</li><li>
Seeking candidates with 3-10 years of experience in Commercial Banking.</li><li>
Thorough knowledge of underwriting, credit analysis, commercial loan structure, and regulatory guidance.</li><li>
Strong analytical skills with ability to identify strengths and mitigate risks.</li><li>
Strong knowledge of commercial real estate lending, inclusive of investment, owner-occupied and some construction.</li><li>
Proficient in Commercial &amp; Industrial lending including debt service coverage, cash flow, A/R and A/P, WIP, Borrowing Base Certificates, and construction budgets.</li><li>
Strong computer skills, inclusive of experience with loan origination software and MS Office applications (specifically MS Word and Excel).</li><li>
Strong verbal and written communication.</li><li>
Ability to prioritize multiple projects and complete them on time.</li><li>
Ability to conduct meetings, meet with customers, effectively present information and respond to questions from peers, auditors and various levels of management.</li><li>
Strong comprehension of accounting practices, inclusive of balance sheets, income statements, equity reconciliation, and cash flows.</li><li>
Under some supervision, ability to correspond, manage, and in certain cases negotiate with 3rd party vendors.</li></ul><div></div><div><b><br>
PREFERRED QUALIFICATIONS:</b></div><div>
MBA</div><div>
Certification in Credit Risk or Credit Management preferred.</div><div></div><div><b><br>
WORKING CONDITIONS</b></div><div>
Work is mainly performed in a normal office environment. Noise levels usually are moderate. May also involve travel to customers and property locations.</div><ul><li>
Prolonged sitting</li><li>
Lifting from 5 to 10 lbs. (printer paper, storage boxes)</li><li>
Occasional bending or overhead lifting (storing files or boxes)</li><li>
The hazards are mainly those present in a normal office setting.</li></ul><div></div><div><b><i><br>
This job description may not be all-inclusive. Employees are expected to perform other duties as assigned and directed by management. Job descriptions and duties may be modified when deemed appropriate by management.</i></b></div><div></div><div><i><br>
Provident Bank recognizes and supports the importance of creating a socially and culturally diverse employee base. We understand, value, and appreciate the unique perspectives that a diverse workforce can contribute to our organization. We put the employee and the customer at the center of strategy because culture is a critical differentiator for why people choose to work here.</i></div><div></div><div><br>
We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law.</div><div><b><br>
Pay Details:</b></div><div>
$51,200 - $105,100 annually</div><div>
Please note, the base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, education, geographic location, internal equity, and other applicable business and organizational needs.</div><div></div><div><br>
This role is incentive eligible based upon company, business, and/or individual goal achievement and performance.</div><div></div><div><br>
Team members accrue paid time-off (PTO), receive Holiday (PTO) and are eligible to participate in the bank&rsquo;s Health and Wellness benefits including Medical, Dental and Vision Plans, Flexible and Health Savings Accounts, and a 401(k) Retirement Plan. In addition, the company provides Disability Insurance, an Employee Assistance Program, and Basic Life Insurance. Company sponsored Tuition Disbursement and Loan Repayment programs are also available. Voluntary benefits include Supplemental Life Insurance, Accident, Critical Illness, Hospital Indemnity and Legal plans.</div></div>

Commercial Credit Analyst Opportunities throughout New Jersey

Commercial Credit Analyst Opportunities throughout Pennsylvania

First Merchants Bank

<p></p><div><p><b>First Merchants Bank is seeking a Credit Analyst I to join our team! This position will perform credit analysis, underwriting and monitoring of the commercial loan portfolio.</b></p>
<p><b>
As part of this role you will:</b></p>
<ul>
<li>Complete accurate, unbiased credit analyses within required timelines and according to standards including cash flow analysis, credit decision summary preparation and credit processes.</li>
<li>Complete credit monitoring functions for designated portfolio including spreading and review of financial statements, borrowing base and covenant testing, marketable securities and leveraged lending monitoring and annual credit reviews.</li>
<li>Assign call codes, NAICS codes, risk grade and risk rating score data accurately.</li>
<li>Review appraisals and real estate evaluations.</li>
<li>Use of financial spreading software, loan system, cash flow analysis and other credit systems and tools</li>
<li>Attend and participate in loan committees as requested.</li>
</ul>
<p><b>To be successful in this position, we require the following</b>:</p>
<ul>
<li>Bachelor&rsquo;s degree.</li>
</ul>
<p><b>The following would be a plus:</b></p>
<ul>
<li>Bachelor&rsquo;s degree (or completion within current semester) in accounting, finance, or business.</li>
</ul>
<p><b>First Merchants offers the following:</b></p>
<ul>
<li>Base Pay <b>PLUS Bonuses</b></li>
<li>Medical, Dental and Vision Insurance</li>
<li>401k</li>
<li>Health Savings and Flexible Spending Accounts</li>
<li>Vacation/Sick Time</li>
<li>Paid Holidays</li>
<li>Paid Parental Leave</li>
<li>Tuition Reimbursement</li>
<li>Additional Benefits</li>
</ul>
<p><b>A little about us:</b></p>
<p>
First Merchants is guided by a genuine philosophy of being a meaningful place to work and having a prosperous impact across all walks of life throughout the communities we serve, including consumers, businesses and other organizations. Our Vision, Mission and Team statement reflect and reinforce that authentic service philosophy.</p>
<p><b>
Our Vision is:</b></p>
<p>
To enhance the financial wellness of the diverse communities we serve.</p>
<p><b>
Our Mission is:</b></p>
<p>
To be the most responsive, knowledgeable, and high-performing financial organization for our clients, teammates, and shareholders.</p>
<p><b>
Our Team:</b></p>
<p>
&quot;We are a collection of dynamic colleagues with diverse experiences and perspectives who share a passion for positively impacting lives. We are genuinely committed to attracting and engaging teammates of diverse backgrounds. We believe in the power of inclusion and belonging.&quot;</p>
<p>
Apply today to begin your career with us!</p><p></p><p>
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities<br>
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.</p></div>

Credit Analyst I

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