Credit Analysts

**Overview**

**Who we are**

Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world’s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We’re looking for talented team members who want to Dream. Do. Grow. with us.

An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment.

_To save time applying, Toyota does not offer sponsorship of job applicants for employment-based visas or any other work authorization for this position at this time._

**Who we’re looking for**

Toyota’s Credit Department is looking for a passionate and highly-motivated Credit Analyst.

The primary responsibility of this role is to analyze and make determinations on approval, conditioning, and rejection of retail and lease credit applications received from automotive dealerships. Reporting to the Credit Supervisor, the person in this role will support the Toyota Financial Services (TFS) objectives and provide a high level of service to the dealer body, cultivating and preserving strong relationships with dealership personnel.

**What you’ll be doing**

+ Maintaining decision callback times at or below established objectives.

+ Evaluating and negotiating deals as necessary in order to maintain the quality of purchases within established guidelines.

+ Advising management of any problems or irregularities pertaining to retail, lease, or wholesale financing, breaches of trust, or other violations of TMCC plans.

+ Monitoring dealer trends and identifying and reporting adverse issues.

+ Partnering with Credit Investigation as needed.

**What you bring**

+ Relevant work experience such as automotive retail and/or wholesale financing.

+ Relevant work experience such as retail credit, collections, dealership financial statements, or wholesale.

+ Strong attention to detail and organizational skills.

+ Excellent analytical, oral, and written communication skills.

+ Working knowledge of Microsoft Office applications.

+ Ability and willingness to work a flexible and rotating schedule 8 am – 5 pm, 9 am – 6 pm & 11 am – 8 pm, and every other Saturday.

+ Work hours may include overtime on Holidays and Sundays as needed.

+ Ability and willingness to work a hybrid work schedule; working both in the office and at primary & private residences as scheduled.

**Added bonus if you have**

+ Bachelor’s degree is highly preferred.

**What we’ll bring**

During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:

+ A work environment built on teamwork, flexibility and respect

+ Professional growth and development programs to help advance your career, as well as tuition reimbursement

+ Team Member Vehicle Purchase Discount

+ Toyota Team Member Lease Vehicle Program (if applicable)

+ Comprehensive health care and wellness plans for your entire family

+ Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute

+ Paid holidays and paid time off

+ Referral services related to prenatal services, adoption, childcare, schools and more

+ Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA)

+ Relocation assistance (if applicable) include only TFS and TMBNC

**Belonging at Toyota**

Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star. Toyota is proud to have 10+ different Business Partnering Groups across 100 different North American chapter locations that support team members’ efforts to dream, do and grow without questioning that they belong.

Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.

Have a question, need assistance with your application or do you require any special accommodations? Please send an email to talent.acquisition@toyota.com.

**Do you want your voice heard and your actions to count?**

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.

With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.

Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.

The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details.

**Job Summary** :

Reporting to Operational Risk Management (ORM) SLoD Framework team Director, provide direction, guidance, and effective challenge to business units as they manage third party risk. Monitor business units' adherence with regulations, policies, procedures and best practices related to the third-party lifecycle. Advise senior management on emerging third-party management issues and trends and escalate issues and trends as appropriate.

**Essential Functions**

+ Develop, manage and maintain an effective third-party management program and ensure its application bank-wide.

+ Provide functional support and management direction to business units around third party risk administration.

+ Develop and deliver effective support and training on third party management tools and processes to business units (as required).

+ Collaborate across LoD and with other departments to continue to redefine and enhance policies and procedures for managing third party risk.

+ Lead design of ongoing third-party risk monitoring program.

+ Collaborate and support the systems and tools to manage third party risk.

+ Provide subject matter expertise to Contract Managers, Business Unit Risk Managers (BURMs) and Third-Party Managers (TPMs) to ensure risk program is in compliance with applicable regulations. Keep current on changes in federal and state banking laws and regulations impacting the area of responsibility and ensure that applicable changes in policies and procedures are updated and communicated in a timely manner.

+ Stay current on third party risk management best practices as required.

+ Prepare and present monthly, quarterly and annual reports as required, including the management of all meaningful metrics and trends relating to third party risk assessment.

+ Direct organizational projects that affect third party management.

+ Perform ongoing monitoring, trend analysis and engagement level review and challenge against program requirements and communicate issues/observations identified and request FLOD review and actions to remediate as necessary

+ Ensure the results of all work performed are documented in accordance with the program requirements (Procedures, Execution Guidelines and related) prior to due date, well supported with underlying details and is ready for independent review upon request .

**Interactions / Interpersonal Skills:**

+ Strong oral / written communication skills. Comfortable presenting the results of review and challenge to the Business Lines management and provide independent challenges when different view exists

+ Good interpersonal skills to build and manage relationships with Business Lines, the central Third-Party Risk FLoD team and various SLoD groups

+ Strong work commitment, ability to multi-task and works well in a fast-paced and dynamic environment

+ Attention to detail.

**Business and Technical Knowledge**

+ Broad view of the financial services industry; expertise in Third Party Risk

+ Strong knowledge in ORM Programs including (but not limited to): RCSA, Loss data, Scenario Analysis, KRM/KRI and Issue Management

+ Experience with control testing, audit background a plus

+ Experience in risk reporting and preparing PowerPoint meeting materials

+ Understanding of banking regulatory agency expectations/requirements related to Third Party Risk

+ Strong ability to analyze data and trends and prepare meaningful reports

**Experience/Abilities** :

+ 6+ yrs experience in third party risk in an operational risk management, internal audit, management consulting or related risk position.

+ Proven capability to initiate, execute, drive change and create results

+ Bachelor’s degree in business, Finance, Economics, Accounting, or related field. A risk-based designation such as the CTPRA, CRISC, C3PRMP, or other certified risk professional designation is a plus.

The typical base pay range for this role is between $125K - $160K depending on job-related knowledge, skills, experience and location. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, and paid vacation, sick days, and holidays. For more information on our Total Rewards package, please click the link below.

MUFG Benefits Summary (https://careers.mufgamericas.com/sites/default/files/document/2023-01/mb-live-well-work-well.pdf)

We 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 (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any.

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.

We are proud to be an Equal Opportunity Employer and committed to leveraging the diverse backgrounds, perspectives and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual’s associates or relatives that is protected under applicable federal, state, or local law.

At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!

**Our Culture Principles**

+ Client Centric

+ People Focused

+ Listen Up. Speak Up.

+ Innovate & Simplify

+ Own & Execute

Credit and Collections Analyst

Requisition ID: 12761

Location:

Lakewood, CO, US, 80401Gilbert, AZ, US, 85234

Pay Type: Salary

Estimated Wage Range $58,800 - $66,700/Annually

**COMPANY OVERVIEW**

Holcim is planning to spin-off its North American Business to unleash its full potential, capitalizing on North America’s oversized growth in construction led by the modernization of infrastructure, a surge in advanced manufacturing and AI operation and the growth of resilient cities.

Holcim plans to list the new company on the NYSE by the end of the first half of 2025 and establish its operations headquarters in the US to be fully dedicated to serving the North American market and pursue a growth strategy across the region.

The newly listed company will become North America’s leading building solutions company, with industry-leading market position to meet its customers' greatest ambitions with the most advanced building solutions from foundation to rooftop.

Description:

**ABOUT THE ROLE**

Responsible for the review and processing of customer credit requests for an assigned customer portfolio. Engages in persistent collection programs while maintaining positive customer relations. Responsible for compiling and analyzing financial information on new and existing customers to maximize sales and to limit the risk of bad debt loss.

**WHAT YOU'LL ACCOMPLISH**

+ Demonstrates a commitment to communicating, improving and adhering to safety policies in all work environments and areas.

+ Ensure document compliance on construction pay applications to minimize delay in payment.

+ Monitor compliance with state lien and bond statutes and accurate filing of lien and bond claims.

+ Responsible for the review and process of customer requests for credit.

+ Engages in vigorous persistent collection activities with customers through constant communication via telephone, email, fax or written correspondence. Attention to detail and documenting all notes of communication.

+ Generates collections aging reports to analyze and determine which accounts to pursue for collection activities.

+ Prepares accurate credit related reports for management.

+ Conducts analysis of customer financial information and credit history to determine the degree of risk involved in extending credit.

+ Performs industry research and ratios; compares measures such as liquidity, profitability, credit history and cash with other companies of the same industry, size and geographic location; analyzes factors such as income growth, quality of management, market share, potential risks of industry and collateral appraisal.

+ Reconciliation of AR in the assigned portfolio making sure payments are applied correctly, researching any and all short pays or over pays. Determin root cause, issueing credits/rebills as needed.

**WHAT WE'RE LOOKING FOR**

Education: Bachelor's degree Undergraduate Degree or Equivalent combination of Field of Study Preferred: business, accounting or finance or equivalent experience.

Required Work Experience: 3-5 Years

Required Training/Certifications: Association of Credit and Collections Professionals Training/Courses preferred.

Required Computer and Software Skills: Advanced computer skills with proficiency in Microsoft Office applications

Travel Requirements: Occasional travel to other company sites.

**Additional Requirements:**

+ Successful candidates must adhere to all safety protocols and proper use of Holcim approved Personal Protection Equipment ("PPE"), including but not limited to respirators. Employees that are required to wear respirators must be clean shaven where the respirator seal meets the face in order to pass the qualitative and quantitative fit tests.

**WHAT WE OFFER**

+ Competitive salary

+ Retirement Savings: Choose from 401(k) pre-tax and/or Roth after-tax savings

+ Medical, Dental, Disability and Life Insurance

+ Holistic Health & Well-being programs

+ Health Savings Accounts (HSAs) & Flexible Spending Accounts (FSAs) for health and dependent care

+ Vision and other Voluntary benefits and discounts

+ Paid time off & paid holidays

+ Paid Parental Leave (maternity & paternity)

+ Educational Assistance Program

+ Dress for your day

Accepting application until 6/15/25

**YOUR HOLCIM EXPERIENCE**

At Holcim, there is endless opportunity for you to play your part. Whether you’re in a technical, managerial, or frontline role, you can shape a career that works for you. With us you’ll have the chance to embrace the passion we share for our planet. You’ll be encouraged to seek out diverse perspectives, share your ideas and build the skills and connections you need to perform at your best. Because it’s only when we work together in a culture where everyone thrives, that we can build the world we all want to live in.

Click to view Company Benefits Overview (https://rmkcdn.successfactors.com/65809a03/43b9d8dc-3fe7-4a1c-98be-1.png)

In compliance with the ADA Amendments Act (ADAAA), if you have a disability and would like to request accommodation in order to apply for a position with us, please call (773) 355-4557 or email recruiting-accommodations@holcim.com . This email address and phone number should only be used for accommodations and not general inquiries or resume submittals.

Driven by our purpose to build sustainable solutions for people and our planet, Holcim US encourages interested candidates who meet many, even if not all of the job requirements to apply for a position. We provide a safe working environment for all and strive for diversity in our teams and inclusivity in our work.

We take pride in our hiring processes and our commitment that all qualified applicants will receive consideration for employment without regard to age, race, color, ethnicity, religion, creed, national origin, ancestry, gender, gender identity, gender expression, sex, sexual orientation, marital status, pregnancy, parental status, genetic information, citizenship, physical or mental disability, past, current, or prospective service in the uniformed services, or any other characteristic protected by applicable federal, state or local law. Our goal is to drive excellence and to ensure we create an environment where every individual has the opportunity to succeed. Holcim (US) Inc., Holcim - ACM Management, Inc., and their affiliates and subsidiaries are an Equal Opportunity Employer, deciding all employment on the basis of qualification, merit and business need.

While we sincerely appreciate all applications, only candidates selected for an interview will be contacted.

**Nearest Major Market:** Denver

**IT Risk Analyst**

**Anywhere**

**Type:** Contract

**Category:** Security

**Industry:** Financial Services

**Workplace Type:** Remote

**Reference ID:** JN -042025-101905

**Date Posted:** 04/29/2025

**Shortcut:** http://careers.eliassen.com/Pg17J2

+ Description

+ Recommended Jobs

**Description:**

Our client, a leader in the financial services space, has an excellent opportunity for an IT Risk Analyst to work a 12-month+ contract with the potential to convert to a permanent role after the first year. The contract phase of the position is fully remote. If converted to full-time, candidates will be expected to work onsite 3-4 days per week at one of the client’s office locations in Phoenix, AZ, Atlanta, GA, St. Petersburg, FL, Omaha, NE, or Minneapolis, MN. Permanent conversion is not required, but candidates local to one of these markets or willing to relocate to one of these markets upon perm conversion would be prioritized by our client.

_Due to client requirements, applicants must be willing and able to work on a w2 basis. For our w2 consultants, we offer a great benefits package that includes Medical, Dental, and Vision benefits, 401k with company matching, and life insurance._

 **Rate:** $60/hr – $75/hr w-2

**Responsibilities:**

• Design, document, and test IT controls in alignment with NIST CSF and SP 800-53 frameworks.

• Conduct assessments of IT controls, document findings, and establish internal testing protocols.

• Manage and maintain the IT risk register and report on control effectiveness and risk trends.

• Use GRC tools (AuditBoard preferred; Archer acceptable or equivalent) to manage risk lifecycle and documentation.

• Communicate risk posture clearly to both technical and non-technical stakeholders.

**Experience Requirements:**

• 3-5+ years of experience in IT risk management, cybersecurity, or IT compliance.

• Working knowledge of NIST frameworks (CSF, SP 800-53) and relevant regulatory standards.

• Strong skills in documentation and communication; must be detail-oriented with clear writing.

• Experience with GRC platforms like AuditBoard, ServiceNow, or Archer.

• Self-starter with the ability to work independently and interact with cross-functional teams.

Preferred:

• CISA, CRISC, or CISSP certifications.

• Experience with AuditBoard to manage IT risk registers, control assessments, and tracking remediation efforts.

• Background in regulated industries, such as financial services.

**Education Requirements:**

Bachelor’s degree in information technology, cybersecurity, risk management, or a related field. Significant practical experience will be considered in lieu of a degree.

_Skills, experience, and other compensable factors will be considered when determining pay rate. The pay range provided in this posting reflects a W2 hourly rate; other employment options may be available that may result in pay outside of the provided range._

_W2 employees of Eliassen Group who are regularly scheduled to work 30 or more hours per week are eligible for the following benefits: medical (choice of 3 plans), dental, vision, pre-tax accounts, other voluntary benefits including life and disability insurance, 401(k) with match, and sick time if required by law in the worked-in state/locality._

_Please be advised- If anyone reaches out to you about an open position connected with Eliassen Group, please confirm that they have an Eliassen.com email address and never provide personal or financial information to anyone who is not clearly associated with Eliassen Group. If you have any indication of fraudulent activity, please contact InfoSec@eliassen.com._

_About Eliassen Group:_

_Eliassen Group is a leading strategic consulting company for human-powered solutions. For over 30 years, Eliassen has helped thousands of companies reach further and achieve more with their technology solutions, financial, risk & compliance, and advisory solutions, and clinical solutions. With offices from coast to coast and throughout Europe, Eliassen provides a local community presence, balanced with international reach. Eliassen Group strives to positively impact the lives of their employees, clients, consultants, and the communities in which they operate._

_Eliassen Group is an Equal Opportunity/Affirmative Action Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity, national origin, age, protected veteran status, or disability status._

_Don’t miss out on our referral program! If we hire a candidate that you refer us to then you can be eligible for a $1,000 referral check!_

*LOAN PROCESSOR III*

WHAT IS THE OPPORTUNITY?

This position is responsible for reviewing, boarding and funding loans and renewals from loan agreements. Responsibilities include reviewing all requests for boarding and funding, processing advances, payments and payoffs on various loan products, setting up and maintaining Guarantor records on the loan system, and calculating and adjusting interest and fee accruals. Balances work and prepares appropriate general ledger entries to various cost centers as required.

WHAT WILL YOU DO?

* Boards new loans and processes renewals from loan agreements, note and other loan documents. Completes data entry and processes appropriate general ledger entries with corresponding offsets. Sets up customer account, commitment and note record on the loan system. Processes initial funding as requested and account for collection of fees and charges as applicable, including but not limited to, unused commitment fees, usage fees, etc.

* Reviews all legal documentation prior to boarding and funding. Processes production loans with interest reserve.

* Maintains Guarantor records on the loan system and performs all maintenance work relating to loans as required.

* Balances daily financial transaction on-line from the system of record. Ensures entered transactions including offset entries are balanced compared to system calculated totals.

* Ensures receipt and verification of proper approvals prior to processing waivers and any unusual transactions. Maintains waiver approval file.

* Calculates and processes accrual and fee adjustments and any other reconcilement work that is assigned.

* Reviews and processes exception reports on a periodic basis. Identifies and resolves any payment processing or reconcilement problems. Determines causes of rejected items, resolves problems and corrects rejects based on established Bank policies.

* Sends outgoing wires using wire/TNET software.

* Maintains a proactive commitment to established bank programs, such as Community Reinvestment Act (CRA) and Affirmative Action.

* Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).

* Completes all special projects as requested.

WHAT DO YOU NEED TO SUCCEED?

*Required Qualifications**

* Bachelor's Degree or equivalent

* Minimum of 5 years loan processing experience in a financial institution required.

* Minimum 2 years of basic computer experience(e.g. Microsoft Word, Excel, Outlook) required.

*Additional Qualifications*

* Ability to interact effectively with all levels of Bank personnel.

* Must be able to multi-task and handle a heavy volume of transactions.

* Basic computer knowledge and general office equipment knowledge required.

* Knowledge of M&I Loan System and AFS preferred.

*WHAT'S IN IT FOR YOU?*

*Compensation*Starting base salary: $22.27 - $33.43 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

*Benefits and Perks*

At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:

* Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date

* Generous 401(k) company matching contribution

* Career Development through Tuition Reimbursement and other internal upskilling and training resources

* Valued Time Away benefits including vacation, sick and volunteer time

* Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs

* Career Mobility support from a dedicated recruitment team

* Colleague Resource Groups to support networking and community engagement

Get a more detailed look at our (https://careers.cnb.com/benefits).

ABOUT US

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’s leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at (https://www.cnb.com/about-us.html).

*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*

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.

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.

*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.

*MORTGAGE LOANPROCESSOR II*

WHAT IS THE OPPORTUNITY?

The Mortgage Loan Processor II is responsible for managing a pipeline of purchase and/or refinance transactions. The Mortgage Loan Processor II is also responsible for ensuring closing dates are met or exceeded, following up on conditions as needed, completing all re-disclosures in accordance with regulatory service levels, and working in a team environment from the initial decision to the final approval. Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act. Must remain in good standing under the Safe Act.

WHAT WILL YOU DO?

* Review loan decisions to determine what documents are required to move to closing.

* Utilize pipeline reports to effectively manage and prioritize daily work flow.

* Responds to business partners' e-mails, questions, and phone calls.

* Manages to key dates, such as but not limited to - rate lock expiration, contingency date, contract date, credit expiration, income expiration, asset expiration, and TRID.

* Ensures all parallel support models such as HOI, Flood, Title, & Project Approval are seamlessly moving through the process.

* Prepares, validates, communicates and delivers any and all Revised Loan Estimates in accordance with regulatory service levels.

* Acts as the primary liaison between Sales, Title, Escrow & Centralized Services.

* Effectively manage a pipeline of 25-40 loans.

* Works with the Loan Officer & Loan Officer Assistant to collect all conditions through final approval.

* Remain accountable for all loan files once they are received from sales.

* Ensure all initial reviews & follow ups occur within the established SLA.

* Maintain current knowledge of CNB guidelines and loan programs.

* Other duties as/or assigned by management.

WHAT DO YOU NEED TO SUCCEED?

*Required Qualifications**

* Minimum 2 years of mortgage loan processing experience required.

* Minimum 2 years of experience of state and federal lending regulations (e.g. RESPA, Reg Z, ECOA, TRID) required

* Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act. Must remain in good standing under the Safe Act.

*Additional Qualifications*

* Ability to identify and resolve problems in a timely manner.

* Strong attention to detail and accuracy.

* Ability to maintain high levels of performance, especially in stressful situations.

* Strong knowledge of federal/state regulatory requirements. (TRID Experience Required)

* Excellent written and verbal skills

* Excellent organizational skills

* Ability to multi-task and work in a deadline driven environment

* Proficient PC skills, including Microsoft Office and Loan Originations Systems.

*WHAT'S IN IT FOR YOU?*

*Compensation*Starting base salary: $24.46 - $36.69 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

*Benefits and Perks*

At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:

* Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date

* Generous 401(k) company matching contribution

* Career Development through Tuition Reimbursement and other internal upskilling and training resources

* Valued Time Away benefits including vacation, sick and volunteer time

* Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs

* Career Mobility support from a dedicated recruitment team

* Colleague Resource Groups to support networking and community engagement

Get a more detailed look at our (https://careers.cnb.com/benefits).

ABOUT US

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's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at (https://www.cnb.com/about-us.html).

*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*

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.

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.

*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.

*LOAN PROCESSOR III*

WHAT IS THE OPPORTUNITY?

This position is responsible for reviewing, boarding and funding loans and renewals from loan agreements. Responsibilities include reviewing all requests for boarding and funding, processing advances, payments and payoffs on various loan products, setting up and maintaining Guarantor records on the loan system, and calculating and adjusting interest and fee accruals. Balances work and prepares appropriate general ledger entries to various cost centers as required.

WHAT WILL YOU DO?

* Boards new loans and processes renewals from loan agreements, note and other loan documents. Completes data entry and processes appropriate general ledger entries with corresponding offsets. Sets up customer account, commitment and note record on the loan system. Processes initial funding as requested and account for collection of fees and charges as applicable, including but not limited to, unused commitment fees, usage fees, etc.

* Reviews all legal documentation prior to boarding and funding. Processes production loans with interest reserve.

* Maintains Guarantor records on the loan system and performs all maintenance work relating to loans as required.

* Balances daily financial transaction on-line from the system of record. Ensures entered transactions including offset entries are balanced compared to system calculated totals.

* Ensures receipt and verification of proper approvals prior to processing waivers and any unusual transactions. Maintains waiver approval file.

* Calculates and processes accrual and fee adjustments and any other reconcilement work that is assigned.

* Reviews and processes exception reports on a periodic basis. Identifies and resolves any payment processing or reconcilement problems. Determines causes of rejected items, resolves problems and corrects rejects based on established Bank policies.

* Sends outgoing wires using wire/TNET software.

* Maintains a proactive commitment to established bank programs, such as Community Reinvestment Act (CRA) and Affirmative Action.

* Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).

* Completes all special projects as requested.

WHAT DO YOU NEED TO SUCCEED?

*Required Qualifications**

* Bachelor's Degree or equivalent

* Minimum of 5 years loan processing experience in a financial institution required.

* Minimum 2 years of basic computer experience(e.g. Microsoft Word, Excel, Outlook) required.

*Additional Qualifications*

* Ability to interact effectively with all levels of Bank personnel.

* Must be able to multi-task and handle a heavy volume of transactions.

* Basic computer knowledge and general office equipment knowledge required.

* Knowledge of M&I Loan System and AFS preferred.

*WHAT'S IN IT FOR YOU?*

*Compensation*Starting base salary: $22.27 - $33.43 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

*Benefits and Perks*

At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:

* Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date

* Generous 401(k) company matching contribution

* Career Development through Tuition Reimbursement and other internal upskilling and training resources

* Valued Time Away benefits including vacation, sick and volunteer time

* Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs

* Career Mobility support from a dedicated recruitment team

* Colleague Resource Groups to support networking and community engagement

Get a more detailed look at our (https://careers.cnb.com/benefits).

ABOUT US

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’s leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at (https://www.cnb.com/about-us.html).

*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*

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.

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.

*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.

*LOAN PROCESSOR III*

WHAT IS THE OPPORTUNITY?

This position is responsible for reviewing, boarding and funding loans and renewals from loan agreements. Responsibilities include reviewing all requests for boarding and funding, processing advances, payments and payoffs on various loan products, setting up and maintaining Guarantor records on the loan system, and calculating and adjusting interest and fee accruals. Balances work and prepares appropriate general ledger entries to various cost centers as required.

WHAT WILL YOU DO?

* Boards new loans and processes renewals from loan agreements, note and other loan documents. Completes data entry and processes appropriate general ledger entries with corresponding offsets. Sets up customer account, commitment and note record on the loan system. Processes initial funding as requested and account for collection of fees and charges as applicable, including but not limited to, unused commitment fees, usage fees, etc.

* Reviews all legal documentation prior to boarding and funding. Processes production loans with interest reserve.

* Maintains Guarantor records on the loan system and performs all maintenance work relating to loans as required.

* Balances daily financial transaction on-line from the system of record. Ensures entered transactions including offset entries are balanced compared to system calculated totals.

* Ensures receipt and verification of proper approvals prior to processing waivers and any unusual transactions. Maintains waiver approval file.

* Calculates and processes accrual and fee adjustments and any other reconcilement work that is assigned.

* Reviews and processes exception reports on a periodic basis. Identifies and resolves any payment processing or reconcilement problems. Determines causes of rejected items, resolves problems and corrects rejects based on established Bank policies.

* Sends outgoing wires using wire/TNET software.

* Maintains a proactive commitment to established bank programs, such as Community Reinvestment Act (CRA) and Affirmative Action.

* Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).

* Completes all special projects as requested.

WHAT DO YOU NEED TO SUCCEED?

*Required Qualifications**

* Bachelor's Degree or equivalent

* Minimum of 5 years loan processing experience in a financial institution required.

* Minimum 2 years of basic computer experience(e.g. Microsoft Word, Excel, Outlook) required.

*Additional Qualifications*

* Ability to interact effectively with all levels of Bank personnel.

* Must be able to multi-task and handle a heavy volume of transactions.

* Basic computer knowledge and general office equipment knowledge required.

* Knowledge of M&I Loan System and AFS preferred.

*WHAT'S IN IT FOR YOU?*

*Compensation*Starting base salary: $22.27 - $33.43 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

*Benefits and Perks*

At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:

* Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date

* Generous 401(k) company matching contribution

* Career Development through Tuition Reimbursement and other internal upskilling and training resources

* Valued Time Away benefits including vacation, sick and volunteer time

* Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs

* Career Mobility support from a dedicated recruitment team

* Colleague Resource Groups to support networking and community engagement

Get a more detailed look at our (https://careers.cnb.com/benefits).

ABOUT US

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’s leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at (https://www.cnb.com/about-us.html).

*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*

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.

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.

*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.

*MORTGAGE LOANPROCESSOR II*

WHAT IS THE OPPORTUNITY?

The Mortgage Loan Processor II is responsible for managing a pipeline of purchase and/or refinance transactions. The Mortgage Loan Processor II is also responsible for ensuring closing dates are met or exceeded, following up on conditions as needed, completing all re-disclosures in accordance with regulatory service levels, and working in a team environment from the initial decision to the final approval. Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act. Must remain in good standing under the Safe Act.

WHAT WILL YOU DO?

* Review loan decisions to determine what documents are required to move to closing.

* Utilize pipeline reports to effectively manage and prioritize daily work flow.

* Responds to business partners' e-mails, questions, and phone calls.

* Manages to key dates, such as but not limited to - rate lock expiration, contingency date, contract date, credit expiration, income expiration, asset expiration, and TRID.

* Ensures all parallel support models such as HOI, Flood, Title, & Project Approval are seamlessly moving through the process.

* Prepares, validates, communicates and delivers any and all Revised Loan Estimates in accordance with regulatory service levels.

* Acts as the primary liaison between Sales, Title, Escrow & Centralized Services.

* Effectively manage a pipeline of 25-40 loans.

* Works with the Loan Officer & Loan Officer Assistant to collect all conditions through final approval.

* Remain accountable for all loan files once they are received from sales.

* Ensure all initial reviews & follow ups occur within the established SLA.

* Maintain current knowledge of CNB guidelines and loan programs.

* Other duties as/or assigned by management.

WHAT DO YOU NEED TO SUCCEED?

*Required Qualifications**

* Minimum 2 years of mortgage loan processing experience required.

* Minimum 2 years of experience of state and federal lending regulations (e.g. RESPA, Reg Z, ECOA, TRID) required

* Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act. Must remain in good standing under the Safe Act.

*Additional Qualifications*

* Ability to identify and resolve problems in a timely manner.

* Strong attention to detail and accuracy.

* Ability to maintain high levels of performance, especially in stressful situations.

* Strong knowledge of federal/state regulatory requirements. (TRID Experience Required)

* Excellent written and verbal skills

* Excellent organizational skills

* Ability to multi-task and work in a deadline driven environment

* Proficient PC skills, including Microsoft Office and Loan Originations Systems.

*WHAT'S IN IT FOR YOU?*

*Compensation*Starting base salary: $24.46 - $36.69 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

*Benefits and Perks*

At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:

* Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date

* Generous 401(k) company matching contribution

* Career Development through Tuition Reimbursement and other internal upskilling and training resources

* Valued Time Away benefits including vacation, sick and volunteer time

* Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs

* Career Mobility support from a dedicated recruitment team

* Colleague Resource Groups to support networking and community engagement

Get a more detailed look at our (https://careers.cnb.com/benefits).

ABOUT US

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's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at (https://www.cnb.com/about-us.html).

*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*

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.

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.

*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.

**Come join our amazing team and work Remote !**

Responsible for providing quality loan processing, reviewing files for adherence to underwriting standards and ensuring completeness of submission. Obtains necessary information (i.e., loan applications, credit documents, appraisals, etc.) to process and complete mortgage loan files. Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates. The target pay range for this position is $58,000.00 to $70,000.00.

**What you’ll do:**

+ Receives and review loans submissions, monitors incoming documents, and verifies data collected by Brokers.

+ Obtains necessary information (i.e., loan applications, credit documents, appraisals, etc.) to process and complete mortgage loan files.

+ Organizes and inputs loan information received into the company’s Loan Origination System (LOS).

+ Maintains open files, orders appraisals, sends verifications, and acquires documentation related to Borrower and property.

+ Ensures the quality and compliance of work with Company policies, procedures, and investor guidelines.

+ Ensures that all loans are processed to meet Company and Investor guidelines

+ Communicates with Escrow Officer/Settlement Agent, Title Officer, Realtor, Closing Agent, and Appraisal Management Company, and other external parties as required to resolve outstanding issues.

+ Communicates with Sales Management, Account Executives, Operations Manager, Disclosure Department, Underwriting Department, Docs/Funding Department, and other internal staff as required to resolve outstanding issues.

+ Informs Account Executive, Broker, and/or borrower about discrepancies in title, appraisals, credit, employment, income and other file related items and status of the loan.

+ Reviews and evaluates credit information on mortgage loan documents to determine acceptability for loan programs.

+ Pulls or verifies credit reports and flood certificates as needed.

+ Submits completed file to Underwriting Department for approval.

+ Obtains necessary stipulations to clear stipulations prior to docs and funding as required by Underwriting.

+ Ensures compliance deadlines are met with regards to issuance of initial disclosures, approval letters and denial notices.

+ Process 4506T, lock confirmations and request Change of Circumstance (COC’s) as needed.

+ Proactively monitors pipeline to ensure timely funding of loans.

+ Assists Post Closing Department as needed with making the loan whole for purchase into secondary market.

**What you'll need:**

+ Maintains highly confidential information in accordance with Company’s privacy policy concerning borrower’s information (concerning borrower’s confidential information)

+ Must demonstrate thorough knowledge of all aspects of mortgage loan processing function and underwriting guidelines.

+ Excellent computer skills and working knowledge of Microsoft Office products.

+ Strong skill in the use of office machines such as computer, copiers, fax machines.

+ Strong customer service skills.

+ Requires extremely high level of organizational skills and ability to work on several tasks simultaneously.

+ Ability to maintain constant contact with borrower and internal office staff.

+ Ability to communicate effectively both verbally and in writing.

+ Ability to handle detailed assignments.

+ Ability to organize and prioritize workload and meet deadlines.

+ Requires a High School diploma or equivalent work experience.

+ Three or more years Loan Processing work experience required.

+ Encompass/Empower experience preferred.

+ Desktop Underwriting (“DU”), Loan Prospector (“LP”) and/or other Automated Underwriting Engines (“AUS”) experience preferred.

**Our Company:**

Carrington Mortgage Services-Wholesale Lending is part of The Carrington Companies. We provide third-party originators, mortgage brokers and financial institutions with access to government and conventional loan programs, as well as low credit score home financing and low down payment options. We hope you’ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: www.carringtonwholesale.com .

**What We Offer:**

+ Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed.

+ Access to several fitness, restaurant, retail (and more!) discounts through our employee portal.

+ Customized training programs to help you advance your career.

+ Employee referral bonuses so you’ll get paid to help Carrington and Vylla grow.

+ Educational Reimbursement.

+ Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org.

Carrington is an equal opportunity employer. It is the policy of the company that applicants be considered for positions for which they qualify without regard to race, color, religion, sex, gender identity, national origin, ancestry, age, marital status, sexual orientation, protected veterans status, physical or mental disability or any other legally protected category. Carrington will make reasonable accommodations for known physical or mental limitations of a qualified applicant or employee with a disability unless the accommodation will impose an undue hardship on the company.