senior credit analyst

GC Investment Management, LLC

Firm OverviewGC Investment Management LLC provides investment management, valuation, fund accounting, operational and administrative services for direct lending and broadly syndicated loan funds, securitizations and related financings. GC Investment Management LLC is a USVI affiliate of Golub Capital LLC with offices in St. Thomas and St. Croix.Position Responsibilities The Senior Credit Analyst will provide day-to-day support to vertical leads as part of the Credit Monitoring Team. This role will be expected to have finance experience with exposure to best practice valuation methodologies (e.g., use of publicly traded comparable company data, equity waterfalls, cash flow modeling and debt pricing).Responsibilities include:&minus; Working independently and completing tasks including data entry, report creation, meeting support, investment valuations and financial statement analysis&minus; Monitoring, analyzing and valuing a diverse portfolio of debt and equity investments&minus; Communicating with deal professionals to obtain knowledge of our borrowers&rsquo; businesses and operating performance&minus; Tracking pending transactions and amendments to credit agreements&minus; Preparing files for independent valuation firms, including financial statements, due diligence materials and legal documents&minus; Reviewing monthly valuations prepared by independent valuation firms&minus; Performing valuations for illiquid and complex debt and equity investments using appropriate methodologies, supportable assumptions and accurate inputs&minus; Preparing high quality written valuation reports for investmentsCandidate RequirementsQualifications &amp; Experience:&minus; Bachelor&rsquo;s degree (accounting or finance preferred)&minus; 2 &ndash; 4 years of relevant work experience in valuation services, private equity, leveraged finance, venture capital and / or investment banking&minus; CFA credential is a plus&minus; Strong quantitative skills&minus; In-depth understanding of financial statements&minus; Understanding of legal documents including credit agreements&minus; Proven problem-solving ability&minus; Ability to work independently, establish priorities and meet deadlines with limited supervision&minus; Strong interpersonal, verbal and written communication skills&minus; Exceptional attention to detail while still being able to multi-task&minus; Strong knowledge of Microsoft Office products, particularly Excel and Word&minus; Highly motivated, hardworking and driven&minus; Enthusiastic about working in office and creating a Gold Standard hybrid work cultureCompensation &amp; BenefitsCompensation will be commensurate with experience. GCIM offers a full range of benefits which includes medical, dental, vision and 401(k).Please apply on our website at http://gcimanagement.com or by email to hrgcim@gcimanagement.com In addition, please visit our website and complete the Dispute Resolution Agreement. Please print and sign a hard copy of the GCIM Pre-Application Arbitration Agreement and MAIL the signed hard copy Agreement to: GCIM Human Resources, 340 Strand Street, 2nd Floor, Frederiksted, VI 00840GCIM is an Equal Opportunity Employer.Benefits:<ul><li>401(k) matching</li><li>Dental insurance</li><li>Flexible spending account</li><li>Health insurance</li><li>Health savings account</li><li>Life insurance</li><li>Paid time off</li><li>Parental leave</li><li>Vision insurance</li></ul>Work Location: In person

Senior Credit Analyst

The Home Depot

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

SR ANALYST CREDIT SVCS

QNB Group

<div>
 
 About QNB
 
 
 
 Established in 1964 as the country&rsquo;s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.
 
 
 QNB Group&rsquo;s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.
 
 
 QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard &amp; Poor&rsquo;s (A), Moody&rsquo;s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.
 
 
 Based on the Group&rsquo;s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.
 
 
 QNB Group has an active community support program and sponsors various social, educational and sporting events.
 
 
 
 Job Purpose Summary
 
 
 
 The incumbent will be responsible for assisting the management of the process of credit approval on individual credit facility proposals for Corporate and Retail customers (only those retail proposals that fall outside applicable policy parameters), forwarded to them by the appropriate departments/ units. The incumbent will assess the quality of the credit exposure sought to be undertaken and adherence to established policies and procedures. The incumbent will constantly research and seek to apply best practices in credit risk, in accordance with Basel II and other relevant guidelines.
 
 
 Main Duties
 
 
 <ul>
 <li>
 Perform activities within the assigned Credit Risk Strategy that reflects the Group&rsquo;s tolerance for risk and the level of profitability the Group expects to achieve for incurring various credit risks.
 </li>
 <li>
 Ensure the use of a standardized process for evaluating credit proposals ensuring that all approved credits are within QNB&rsquo;s Credit Risk Strategy.
 </li>
 <li>
 Assist the SVP of Risk in creating Key Performance Indicators (KPIs) for the department and monitor their achievement on periodic basis
 </li>
 <li>
 Act within the limits of the powers delegated to the incumbent and delegate authority to the respective staff and monitor same.
 </li>
 <li>
 Implements KPI&rsquo;s and best practices for role
 </li>
 <li>
 Promote cost consciousness and efficiency and enhance productivity, to minimize cost, avoid waste, and optimize benefits for the bank.
 </li>
 <li>
 Demonstrate clear understanding of the important factors behind the bank's financial &amp; non-financial performance.
 
 
 </li>
 </ul>
 Education/Skills
 
 
 <ul>
 <li>
 University graduate (Bachelor&rsquo;s degree) preferably with a Major in Finance, Banking, Economics, Mathematics, or Business Administration (related field of study), Masters preferred.
 </li>
 <li>
 Professional certification such as PRM, CPA, CFA is preferred.
 </li>
 <li>
 Sound typically a Minimum of 8 years&rsquo; experience in a major bank of which at least 2 years in bank in a supervisory capacity in risk function.
 </li>
 <li>
 Excellent oral and numerical and written communication skills in English and Arabic (preferred).
 </li>
 <li>
 Knowledge of Basel II Accord, with particular emphasis on credit-related issues and credit modelling methodologies.
 </li>
 <li>
 Excellent quantitative modelling, analytical, and research skills.
 </li>
 <li>
 Experience in working with large and complex data sets. Knowledge of financial markets and products.
 </li>
 <li>
 Proficiency in risk concepts, banking products/ operations/ systems, pertinent regulatory requirements, International Accounting Standards and related pronouncements.
 </li>
 <li>
 In-depth understanding of credit risk methodologies (KMV, Credit / Metrics, etc.), interest rate modelling [short rate models, HJM, BGM, etc.], VAR, and/or other complex financial risk modelling highly desirable.
 </li>
 <li>
 Adequate knowledge of IT systems/ applications.
 </li>
 <li>
 Self-motivated, eye for detail with ability to work with others and lead teams from diverse cultural backgrounds.
 
 
 </li>
 </ul>
 Note: you will be required to attach the following:
 
 
 <ul>
 <li>
 Resume/CV
 </li>
 <li>
 Copy of your Passport
 </li>
 <li>
 Copy of Education Certificate
 </li>
 </ul>
</div>

QNB3641 - Senior Manager - Credit Risk (Omanization)

Worldpay

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

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

Credit Analyst Senior - US Large Credit Risk / Merchant Underwriting

Funding Alternatives International 

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

Financial Analyst Intern

Crédit Agricole CIB

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

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

Northwest Bank

<div>IL0511 Chicago LPO, OH0713 NW Bancshares HQ 
Job Description
About Northwest Sponsor Finance (NSF) 
Northwest Sponsor Finance (&ldquo;NSF&rdquo;), a division of Northwest Bank, provides senior credit facilities to private equity backed companies in the lower middle market. NSF&rsquo;s professionals have collectively completed 200+ transactions representing $1B+ in commitments. As we continue to grow, we&rsquo;re seeking an Analyst/Associate/Senior Associate to join our team and help underwrite and manage sponsor backed transactions across diverse industries.
Why This Role
You&rsquo;ll work side by side with senior investment professionals from first look through close&mdash;and beyond. Expect meaningful reps in diligence, underwriting, financial modeling, credit memos, and documentation, plus portfolio management including upsizes, add ons, and amendments. You&rsquo;ll see the full deal lifecycle, get direct exposure to sponsors and management teams, and have a real voice in credit decisions.
Essential Functions<ul><li>
 Support the underwriting of credit facilities, including preparation of written documents including internal screen and other memos, term sheets and proposal letters, and credit approval presentations</li><li>
Participate in the communication with transaction stakeholders including internal management and credit partners, subordinated lenders, private equity sponsors, and company/borrower</li><li>
Prepare and manage financial models to support underwriting transactions.</li><li>
Conduct industry research to supplement diligence materials and third-party reports</li><li>
Assist with the support, preparation, and presentation of monthly portfolio company reviews</li><li>
Ensure compliance with Northwest&rsquo;s policies and procedures, and Federal/State regulations</li><li>
Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency</li><li>
Work as part of a team</li><li>
Work with on-site equipment</li></ul>
Preferred Education and Work Experience<ul><li>
Bachelor's Degree in Finance, Accounting, Economics, or related field</li><li>
2-6 years Due Diligence Accounting, Leveraged Finance, Investment Banking, Private Equity, or Private Credit/Direct Lending</li></ul> 
General Employee Knowledge, Skills, and Abilities<ul><li>
 Ability to establish effective working relationships among team members and participate in solving problems and making decisions
 </li><li>Ability to present and express ideas and information clearly and concisely in a manner appropriate to the audience, whether oral or written
</li><li>Ability to actively listen to what others are saying to achieve understanding, sharing information with others and facilitating the open exchange of ideas and information</li><li>
Ability to establish courses of action for self to accomplish specific goals, develop and use tracking systems for monitoring own work progress, and effectively use resources such as time and information</li><li>
Ability to make right decisions based on perceptive and analytical processes, practicing good judgment in gray areas
</li><li>Excellent written and verbal communications skills.</li><li>
Ability to multi-task and manage time and workload efficiently.</li><li>
Strong work ethic and attention to detail.</li><li>
Demonstrates effective working relationship with teammates.</li><li>
Advanced knowledge of Microsoft Office (Word, Excel, PowerPoint)</li></ul>
This role can be based from our Columbus, Ohio, or Chicago, Illinois, hub locations. 
Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.</div>

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