loan review analyst

Raiz Federal Credit Union

<div><p><b>Our Company
</b></p><p>At Raiz FCU, we share a passion for knowledge and a pursuit of growth. Grounded in our El Paso heritage as previously Teachers Federal Credit Union, since 1936 we are growing to help our community move into the future. We are inspired people, invested in you. At Raiz, we guide our members to focus on what could be and help them get there. This new path inspires us to look ahead and the lead the way with passion.
</p><p><b>Job Overview</b></p><p>
This position reports to Business Services Operations Administrator. The Commercial Portfolio Manager / Underwriter may assist with an independent review of loan underwriting conducted on real estate secured and non-real estate secured loans. Underwriting review will include but may not be limited to; review with preparation of an underwriting summary of loans submitted by business loan personnel, assisting the commercial lenders with the preparation of loan presentations, analysis of new and existing loans financial packages - guarantors&rsquo; s financial data, tax returns (personal and corporate), income statements, balance sheets, financial statements, trends and business plans. Position requires extensive experience the spreading of tax returns and financial statement, along with spreading or business analytic systems.
</p><p>This position will also assist department management with overseeing the business loan portfolio to include but not limited to tickler reports, monthly and quarterly reporting requirements. This position will also chair the Business Services policy. This position requires a high level of analytical and organization skills, ability to communicate complex financial subject matter, a thorough understanding of Business Lending programs, policies, and procedures.
</p><p>The ability to multitask is vital to the successful execution of this position.</p><p>
This individual will be an empowering mentor that will be:</p><ul><li>
A trusted expert</li><li>
A natural communicator</li><li>
A champion for our members and the community</li><li>
A guide through the moments that matter the most to our members</li></ul><p><b>
Position Details</b></p><p>
Onsite- Raiz Business Services Center</p><p>
6610 Continental Dr. El Paso, Tx 79925</p><p>
Exempt (Salary)</p><p>
Hours: Monday through Friday, occasional Saturdays</p><p><b>
Pay Range</b></p><p>
Pay commensurate with experience</p><p><b>
Skills and Experience</b></p><ul><li>
Bachelor&rsquo;s Degree in Business Administration or related area</li><li>
Thorough knowledge of credit products, commercial lending policy, all applicable laws and regulations, credit quality standards, company and business line policies and procedures</li><li>
Minimum of 5+ years of credit analysis and/or loan review experience, preferably in the banking industry, and 8 years of related or similar lending experience.
</li><li>Anticipates Business Member needs and develops a reputation for responsiveness</li><li>
Ensures success of change implementation through business strategy improvement and effective communication strategy for the commercial portfolio</li><li>
Strong analytical skills with the ability to interpret complex financial information and identify risk
</li><li>Good understanding of financial industry concepts, related laws, and regulations</li><li>
Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines
</li><li>Previous credit union experience is a plus</li><li>
Excellent communication skills and avid listener, strong business writing</li><li>
Entrepreneurial mindset and quick to adapt to fast paced environment</li><li>
High integrity, detail oriented, and ability to evaluate and mitigate risk</li><li>
Proficient in Microsoft Office and web-based applications (Excel Pivot Table knowledge a plus)
</li></ul><p><b>Role Description and Essential Duties
</b></p><ul><li><div><ul><li>Responsible for the review and analysis of financial statements, preparation of loan presentation, assisting the commercial lenders with loan committee presentation for review and approval.</li><li>
Perform financial statement spreading and analysis on new and existing loan relationships.</li><li>
Evaluate creditworthiness of borrower and guarantors by evaluating cash flow and debt serviceability.</li><li>
Conduct market analysis for each loan presentation based on the industry of proposed borrower.
</li><li>Calculating financial ratios based on financial statements and data provided.</li><li>
Providing recommendations/suggestions to commercial lenders of loan structures, payment plans, and interest rates.
</li><li>Assist commercial lenders with the writing of loan presentations that are clear and concise using prudent underwriting standards.</li><li>
Ensure compliance with credit union policies and procedures and applicable regulations.</li><li>
Communicate with borrowers, guarantors, company controllers, and accountants to gather additional information and interpret financial statements</li><li>
Provides guidance and answers questions related to credit union and all other related services. Supports cross-selling efforts and solves problems.
</li><li>Knowledgeable expert who is educated on all services provided. Attends required training and demonstrates a willingness to keep learning.</li><li>
A natural communicator who picks up on member&rsquo;s concerns- and expresses things in a way they can relate to &ndash; and who helps them understand complex or intimidating topics, so they feel more knowledgeable.</li><li>
Good working relations exist with Credit Union personnel, lending team, and management.
</li><li>Assistance is provided as needed.
</li><li>Management is appropriately informed.</li><li>
Complies with all Bank Secrecy Act (BSA) rules and regulations, in addition to the Customer Identification Program (CIP).
</li><li>Attends required annual BSA training and required compliance training.</li><li>
All other duties assigned as identified</li></ul></div></li></ul></div>

Commercial Underwriter and Portfolio Manager

World Business Lenders, LLC

<div><p><b>About World Business Lenders </b>(www.wbl.com)</p><p>
At World Business Lenders (WBL), we are dedicated to providing general-purpose, short-term commercial loans backed by real estate collateral for a diverse range of small and medium-sized businesses across the United States that may not have access to traditional funding options. We take pride in managing our loan portfolio as well as offering services for third-party loans, with a special emphasis on non-performing loan pools and REO management.</p><ul><li>
WBL is a U.S.-based company that embraces a <b>100% remote</b> work environment for candidates located in Turkey, Latin America, and India.
</li><li>Our working hours are <b>9:00am-6:00pm Eastern Time</b>, from Monday to Friday.</li><li>
The role requires an <b>excellent command of both oral and written </b>English.<br>
<br>
</li></ul><p><b>Please submit your resume in English.</b></p><b><br>
Requirements</b><br>
<ul><li><b>
Education:</b></li><li><ul><li>
A Bachelor&rsquo;s degree in Accounting, Finance, or a similar field is required.<br>
</li></ul></li><li><b>
Experience:</b></li><li><ul><li>
We're looking for candidates with 1 to 5 years of experience in internal auditing, loan operations, risk management, or compliance in the financial services sector.</li></ul></li></ul><ul><li><b>
Industry Background:</b></li><li><ul><li>
Previous experience in banking, financial services, or lending institutions is essential.</li><li>
Proficient in commercial lending, mortgage lending, or consumer loan operations.</li><li>
In-depth understanding of the complete loan lifecycle, encompassing loan origination, underwriting support, documentation review, funding, servicing, and collections.</li><li>
Knowledgeable about loan documentation requirements, credit files, and the essential operational controls within lending processes.</li><li>
Adept at pinpointing operational risks, addressing process inefficiencies, and identifying control weaknesses within loan operations.</li><li>
Experience with internal audits, quality assurance, or compliance reviews specifically related to lending operations.</li></ul></li></ul><p></p><p><b>
Key Responsibilities:</b></p><ul><li><ul><li>
Execute internal audits and conduct thorough operational reviews throughout the loan lifecycle, encompassing origination, underwriting, servicing, and collections.</li><li>
Spot and address process inefficiencies, operational risks, and control gaps within loan operations.</li><li>
Guarantee compliance with internal policies, procedures, and risk management standards.</li><li>
Contribute to the enhancement and fortification of internal controls within WBL&rsquo;s lending operations.</li><li>
Deliver insightful audit findings along with actionable recommendations to elevate operational procedures and strengthen risk controls.</li><li>
Collaborate with management to oversee remediation efforts, ensuring prompt resolution of audit findings.</li></ul></li></ul><p></p><ul><li><b>
Technical Skills Required:</b></li><li><ul><li>
Proficiency in <b>Microsoft Office Suite</b></li></ul></li></ul><p></p><ul><li><b>
Essential Soft Skills:</b></li><li><ul><li>
Exceptional command of Microsoft Office applications, especially Excel, for efficient data analysis, tracking, and reporting.</li><li>
Expertise in reviewing documentation to pinpoint discrepancies or missing elements.</li><li>
Robust analytical and problem-solving abilities to evaluate processes and unearth potential risks.</li><li>
Skilled in organizing and juggling multiple tasks while maintaining a keen eye for detail.</li><li>
Excellent verbal and written communication skills for documenting insights and engaging with internal stakeholders.</li><li>
Ability to interpret and apply policies, procedures, and operational guidelines during review processes.</li><li>
Comfortable navigating internal systems and operational workflows within a structured environment.</li></ul></li></ul><br>
<b>
Benefits</b><br>
<ul><li>
Compensation in USD</li><li>
Enjoy Paid Time Off (PTO) after just 6 months of service</li><li>
This is a full-time opportunity</li><li>
Enjoy the freedom of a completely remote work environment!</li></ul></div>

Remote - Loan Operations Internal Audit Analyst

Crowe LLP

<div><p><b>Your Journey at Crowe Starts Here:</b></p><p>
At Crowe, you can build a meaningful and rewarding career. With real flexibility to balance work with life moments, you&rsquo;re trusted to deliver results and make an impact. We embrace you for who you are, care for your well-being, and nurture your career. Everyone has equitable access to opportunities for career growth and leadership. Over our 80-year history, delivering excellent service through innovation has been a core part of our DNA across our audit, tax, and consulting groups. That&rsquo;s why we continuously invest in innovative ideas, such as AI-enabled insights and technology-powered solutions, to enhance our services. Join us at Crowe and embark on a career where you can help shape the future of our industry.</p><p></p><p><b>
Job Description:</b></p><p>
Crowe is seeking a Loan Review Senior Consultant to perform credit risk consulting projects for a variety of clients in the financial services industry. In this role, you will:</p><p></p><p><b>
Job Responsibilities:</b></p><ul><li>
Provide loan review services and other consulting engagements with clients on credit related matters</li><li>
Prepare detailed financial analysis, including cash flow models and collateral evaluations in order to identify potential credit risks</li><li>
Evaluate whether commercial loan requests adhere to bank policies and procedures</li><li>
Analyze and conduct systematic loan reviews of business-related credits to ascertain adequacy of credit quality, loan documentation, credit administration, and compliance with established policies</li><li>
Work on credit projects under a manager; however, you will often work autonomously on certain aspects</li><li>
Support many different types of financial institutions, over different geographies</li><li>
Lead segments of engagements that will help you develop leadership abilities, including building client relationships and business relationships with key executives</li><li>
Write and present clear and concise reports to provide meaningful recommendations to clients</li></ul><p></p><p><b>
Qualifications:</b></p><p>
Educational and Professional Credentials:</p><ul><li>
Bachelor&rsquo;s degree in Finance, Accounting, or Economics or equivalent combination of education and experience</li><li>
3+ years&rsquo; experience of working in financial institutions or regulatory supervisory institutions</li><li>
Graduate degree or Professional certification a plus (i.e. &ndash; RMA CRC)</li></ul><p></p><p>
Preferred Knowledge and Skills:</p><ul><li>
Experience in leveraged lending, capital call, subscription loans, venture lending, or Asset-Based Lending (ABL) is highly preferred, though not mandatory.</li><li>
Underwriting, lending, or regulatory experience - not a role for a consumer finance background</li><li>
Experience with a variety of loan products and industries</li><li>
Working knowledge of SBA SOP is a plus</li><li>
Understanding of credit processes, such as loan origination and underwriting; credit policies; portfolio management; allowance for loan and lease losses; loan review and remediation</li><li>
Thorough knowledge of federal and state banking laws related to credit risk</li><li>
Prior experience with risk ratings, risk rating methodology, and allowance methodology would be a plus</li><li>
Strong written and verbal communication and comprehension both formally and informally to our clients and our teams, in a variety of formats and settings, including in interviews, meetings, calls, e-mails, reports, process narratives, presentations, etc.</li><li>
Prior experience should include progressive responsibilities, including supervising and reviewing the work of others, and project management, including self-management of simultaneous work-streams and responsibilities</li><li>
A self-starter who can prioritize multiple tasks, be resourceful and able to research and find solutions</li><li>
Passionate about learning, meeting goals, and helping a team succeed</li><li>
Willingness to travel</li></ul><p></p><p>
We expect the candidate to uphold Crowe&rsquo;s values of Care, Trust, Courage, and Stewardship. These values define who we are. We expect all of our people to act ethically and with integrity at all times.</p><p></p><p>
In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification form upon hire. Crowe is not sponsoring for work authorization at this time.</p><p></p>
The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. At Crowe, it is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. A reasonable estimate of the current range is $74,100.00 - $147,800.00 per year.<p></p><p><b>
Our Benefits:</b><br>
Your exceptional people experience starts here. At Crowe, we know that great people are what makes a great firm. We care about our people and offer employees a comprehensive total rewards package. Learn more about what working at Crowe can mean for you!</p><p><b><br>
How You Can Grow:</b><br>
We will nurture your talent in an inclusive culture that values diversity. You will have the chance to meet on a consistent basis with your Career Coach that will guide you in your career goals and aspirations. Learn more about where talent can prosper!<br>
<br>
<b>More about Crowe:</b><br>
Crowe (www.crowe.com) is one of the largest public accounting, consulting and technology firms in the United States. Crowe uses its deep industry expertise to provide audit services to public and private entities while also helping clients reach their goals with tax, advisory, risk and performance services. Crowe is recognized by many organizations as one of the country's best places to work. Crowe serves clients worldwide as an independent member of Crowe Global, one of the largest global accounting networks in the world. The network consists of more than 200 independent accounting and advisory services firms in more than 130 countries around the world.</p><p></p><p>
Crowe LLP provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, sexual orientation, gender identity or expression, genetics, national origin, disability or protected veteran status, or any other characteristic protected by federal, state or local laws.</p><p></p><p>
Crowe LLP does not accept unsolicited candidates, referrals or resumes from any staffing agency, recruiting service, sourcing entity or any other third-party paid service at any time. Any referrals, resumes or candidates submitted to Crowe, or any employee or owner of Crowe without a pre-existing agreement signed by both parties covering the submission will be considered the property of Crowe, and free of charge.</p><p></p>
Crowe will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws, including the City of Los Angeles&rsquo; Fair Chance Initiative for Hiring Ordinance, Los Angeles County Fair Chance Ordinance, San Francisco Fair Chance Ordinance, and the California Fair Chance Act.<p></p><p>
Please visit our webpage to see notices of the various state and local Ban-the-Box laws and Fair Chance Ordinances, where applicable.</p><p></p><p>
If you are interested in applying for employment with Crowe and are in need of an accommodation or require special assistance to navigate our website or to complete your application, please visit our Applicant Assistance and Accommodations page for more information: https://careers.crowe.com/crowe-applicant-assistance-and-accommodation</p></div>

Loan Review Senior Consultant

BankByChoice

<p><b>Credit Analyst &ndash; SME Business Loans (Fintech)</b></p><p><b>Job Type:</b> Full-time<br/><b>Industry:</b> Fintech</p><p><b>Job Overview</b></p><p>We are seeking a <b>Credit Analyst</b> to evaluate SME business loan applications and perform underwriting within a fintech lending environment. The role involves assessing credit risk, analyzing financial data, and making <b>approval or decline decisions</b> in line with company credit policies.</p><p><b>Key Responsibilities</b></p><ul><li>Review SME loan applications</li><li>Perform credit analysis and underwriting</li><li>Analyze financial statements and bank statements</li><li>Assess credit risk and repayment capacity</li><li>Approve or decline loan applications</li><li>Prepare credit notes and maintain documentation</li><li>Ensure compliance with internal credit policies</li><li>Coordinate with sales and operations teams</li></ul><p><b>Qualifications</b></p><ul><li>Bachelor&rsquo;s degree in Finance, Accounting, Business, or Economics</li><li>2&ndash;5 years experience in credit analysis or SME lending</li><li>Knowledge of financial statement analysis</li><li>Strong analytical and decision-making skills</li><li>Proficiency in Excel and financial tools</li></ul><p><b>What We Offer</b></p><ul><li>Competitive salary</li><li>Performance-based incentives</li><li>Opportunity to work in a fast-growing fintech company</li><li>Exposure to SME lending and fintech credit underwriting</li><li>Paid annual leave and company benefits</li></ul><p>Job Types: Full-time, Permanent</p><p>Work Location: In person</p>

Credit Analyst – SME Business Loans (Fintech)

City National Bank

<div><div><b>KYC REVIEW ANALYST- OPS</b></div><div><b><br>
WHAT IS THE OPPORTUNITY?</b></div><div>
Conduct Enhanced Due Diligence background investigations for commercial loan borrowers in adherence with credit policy and compliance with BSA and USA Patriot Act. Responsible for the quality assurance and integrity of the &quot;Know Your Client&quot; (KYC) program on new and existing client relationships. Perform review and provide clearance on potential negative news alerts for new clients or during periodic client reviews. Perform prospect client reviews and provide recommendations prior to onboarding prospects as well as other referrals from line units.</div><div><b><br>
WHAT WILL YOU DO?</b></div><div><ul><li>
The KYC Review (Specialist &ndash; Senior) will perform Enhance Due Diligence (EDD) reviews for commercial loan borrowers and prospect reviews utilizing a variety of internal bank systems and external research tools to investigate, research, and prepare documentation/summaries consistent with resolution of investigation. Perform timely investigations with well-reasoned and supported decision-making. Conducts follow-up with line colleagues for any missing or necessary information. Completes required training. Performs other duties as assigned or requested.
</li><li>KYC &ndash; the analyst is able to perform review and clearance of potential negative news alerts on new clients and during periodic client reviews and escalate true matches accordingly.
</li>KYC &ndash; the analyst is able to review and verify that a Know Your Client (KYC) is completed for new accounts, and Anticipated Activity questions for Business and Individual clients with new transactional accounts.<br>
<li>
</li></ul></div><br>
<div><b>WHAT DO YOU NEED TO SUCCEED?</b><br>
</div><div><b>
Required Qualifications*</b><ul><li>
Bachelor's Degree or equivalent
</li><li>Requires 3-5 years&rsquo; experience in Banking Services, branch operations, risk management or related function and two years&rsquo; of BSA/AML experience
</li><li>2 years&rsquo; experience using Microsoft Office
</li></ul><div></div><div><div><b>Additional Qualifications</b></div>
Analytical skills, solid understanding of deposit and loan transactions, use of good judgment, attention to detail, internet savvy, good knowledge of Bank Secrecy Act and USA PATRIOT acts. Great communication and writing skills.<br>
<ul><li>
</li></ul></div><br>
<div><b>WHAT'S IN IT FOR YOU?</b></div><div><b>
Compensation</b><div>
Starting base salary: $25.93 - $41.43 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>
</div><div>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>
<br>
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>
<br>
<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>

KYC Review Analyst- Ops

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Credit Analyst – SME Business Loans (Fintech)

KYC Review Analyst- Ops