Credit Analysts

At National Bank of Arizona, we’re a community of professionals with relationships at our core. We strive to promote an engaging environment with accessible leadership and on-going employee development. National Bank of Arizona was founded on the premise of building local relationships, we pride ourselves on providing our clients, shareholders and each other the best possible tools, resources and opportunities. Our workplace culture is based on inclusivity and collaboration, so we can give our customers as well as our employees the best possible environment to thrive. More than 35 years later, our approach hasn’t changed. At NBAZ, the possibilities are endless – come for the job, stay for a career.

National Bank of Arizona is looking for an Associate Credit Analyst to join our Banker Development Program class beginning in June 2025.

The Banker Development Program at National Bank of Arizona is a credit and business development training program. Designed to grow well-rounded banking professionals with strong analytical and relationship management skills, the program provides robust training and career guidance. At the end of the program, participants will be well-prepared for a career at National Bank of Arizona.

Our relationship-centered culture at NBAZ is achieved by providing our associates with the tools, training and opportunities to build the best possible relationships with our customers, and with each other. Our workplace culture values each associate’s unique experiences, background and perspectives and provides a collaborative environment for all associates to grow and thrive.

The Banker Development Program offers:

+ Foundational knowledge in banking

+ A defined career path that begins with classroom training as a Credit Analyst

+ One-on-one working relationships with high-level bank decision-makers

+ Finance and accounting skills application to assess credit and business risk

+ Increasing business development and relationship management or lending and portfolio management responsibilities

+ Exposure to a wide variety of Zions Bancorporation divisions

+ Competitive salary and benefits

There are two phases of the Banker Development Program: The Initial Training Phase and the Rotational Phase.

Phase I – Initial Training (4-5 months)

The majority of training for the Banker Development Program will take place in Phoenix, but there also may be training in Salt Lake City, Utah at Zions Bancorporation headquarters for 2 training sessions that are each 2 weeks in length and in Houston for 1-2 weeks (pending covid travel restrictions). During this portion, topics surrounding introductory banking, analytical concepts, and bank-specific administration will be covered. Some travel may be required to complete this phase.

In addition to the self-study materials, during initial training Credit Analysts participate in:

+ Case Studies and Discussion Sessions to review concepts introduced in the self-study materials

+ Training to perform credit underwriting according to bank policy

+ Bank compliance and regulatory training courses

+ Introductions to senior management

+ Department tours to provide an overview of bank operations

Phase II – Rotations (Around 12 months)

The primary objective of the Rotational Phase is on-the-job training, primarily in Phoenix. The rotational system offers each Credit Analyst in-depth exposure to various banking lines and banking groups, which facilitate the placement process and ensures the development of well-rounded Bank Officers. Various areas host Credit Analysts for rotations on an ongoing basis, dependent on departmental need. Some of the business line opportunities for rotation are listed below:

+ Commercial and Industrial Lending

+ Commercial Real Estate Lending

+ Retail Banking

+ Private Banking

+ Treasury Management

+ Credit Administration

Placement

Permanent positions after the program will be available within our Phoenix, Prescott, Flagstaff, and Tucson markets.

National Bank of Arizona is looking for highly motivated self-starters who have:

+ Bachelor’s degree in Business, Finance, Accounting, Economics or related subject

+ Minimum overall GPA of 3.0 (include GPA in resume or cover letter)

+ Completed college level coursework in Accounting, including Managerial and Financial Accounting

+ Excellent communication, presentation, and interpersonal skills

+ Detail oriented, organized, analytical, and proven problem-solving abilities

+ Leadership skills and community involvement

+ Working knowledge of Microsoft Excel is preferred

+ Internship or prior work experience is preferred

Participants who successfully complete the Banker Development Program can anticipate an exciting career path in banking, where upon completion you will be internally promoted within the organization.

To be considered, please attach both your resume and unofficial transcript to your application.

Benefits:

+ Medical, Dental and Vision Insurance - START DAY ONE!

+ Life and Disability Insurance, Paid Parental Leave and Adoption Assistance

+ Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts

+ Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays

+ 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience

+ Mental health benefits including coaching and therapy sessions

+ Tuition Reimbursement for qualifying employees

+ Employee Ambassador preferred banking products

National Bank of Arizona’s Banker Development Program positions are not eligible for employment visa sponsorship (e.g., H-1B visa). This includes, for example, situations where a candidate may have temporary work authorization while enrolled in school or upon graduation (e.g., CPT, OPT) but would need H-1B visa sponsorship within a few years of employment to maintain employment eligibility.

Req ID: 066355

Equal Opportunity Employer

It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.

If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at (801) 844-7628, Mon.-Fri. between 9 a.m. - 5 p.m. MST.

Click here to view applicable Federal, State and/or local employment law posters.

**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 diverse, 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

+ Flextime and virtual work options (if applicable)

+ 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

+ Flexible spending accounts

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

**Belonging at Toyota**

Our success begins and ends with our people. We embrace diverse 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. As a company that has been one of DiversityInc’s Top 50 Companies for Diversity and a member of The Billion Dollar Roundtable supporting minority and woman-owned suppliers for over 10 years, we are proud to be an equal opportunity employer that celebrates the diversity of the communities where we live and do business.

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 [email protected].

Credit Administrator

Credit Administration

Redding,
California

Roseville,
California

Santa Rosa,
California

Eugene,
Oregon

Phoenix,
Arizona

Medford,
Oregon

Roseburg,
Oregon

South Jordan,
Utah

**Description**

**About Us:**

Umpqua Bank is headquartered in the Pacific Northwest with 5,000+ employees and offers banking services to customers throughout the nation. It’s an especially exciting time to join our team as, following the recent merger with Columbia Bank, we have grown to become a leading western-based regional bank with more than $50B in assets under management and an unwavering commitment to our associates, our customers, and our communities.

We create a great place to work by offering a special brand of relationship banking and by providing a culture where associates thrive. Associates who embody our core values fit in well here and we are eager to meet candidates who demonstrate behaviors that align with Trust, Ownership, Growth, Empathy, Teamwork, Heart, Enjoyment, and Relationships.

**About the Role:**

This position reports to the Sr. Credit Officer and is responsible for reviewing approving, declining, or recommending commercial credit applications within assigned approval limits while maintaining risk exposure consistent with bank loan quality guidelines. Monitors quality and performance of portfolio(s) and advises line partners on strategies to protect bank capital, Develops partnerships with other business line leaders for mutual goal attainment and coordination on mutual priorities.

+ Collaborate with bankers to develop high quality loan portfolios and service client relationships. Review, approve, decline or recommend credit facilities. Administer and review loans and loan commitments within assigned authorities. May contribute to the development of credit policies, processes, and methodologies.

+ Oversee the management of delinquent loans, ensuring that bankers are making appropriate contact with past due accounts. Oversee completion and accuracy of monthly past due-loan reports and problem loan reports by bankers and ensures timely submission to Credit Quality Administration.

+ Monitor and verify risk rating accuracy on delinquent loans and those submitted for approval. Advises bankers on the risk rating process and ensures timely documentation of migrations.

+ Review credit recommendations for accuracy and coaches the banking staff in the development of complete, accurate and well-structured credit recommendations.

+ Provide guidance and advice to the banking staff on financial analyses, loan structuring and other credit recommendations. Ensure lending staff is aware of all relevant changes in credit requirements.

+ Engage with external clients, prospects, and banking staff providing experienced perspective regarding risk identification, mitigation, and loan structuring. Provide strong and consistent credit leadership.

+ Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes.

+ Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.

+ Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other regulations as applicable to this job description.

+ May be asked to coach, mentor, or train others and teach coursework as subject matter expert.

+ Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words.

+ Takes personal initiative and is a positive example for others to emulate.

+ Embraces our vision to become "The Business Bank of Choice.”

**About You:**

+ Bachelor's Degree in Accounting, or Finance, or equivalent combination of education and experience.Required.

+ 5-7 years Commercial lending experience and strong credit analysis skills, demonstrating a knowledge of industry best practices and financial concepts.Required

+ Strong analytical, decision-making and problem-solving skills.

+ Strong interpersonal and collaboration skills; comfortable dealing with a large span of people across all levels of the organization.

+ Strong communication skills – verbal, listening, written, and presentation.

+ Solid financial business acumen and ability to interpret and understand of financial reports and presentations regrading credit portfolio performance.

+ Strong computer skills including use of the Microsoft Office suite and ability to learn new business software as needed.

+ Strong understanding of market orientation - uses knowledge effectively with internal and external customers.

+ Ability to train and present to small and large audiences or has interest and ability to learn to train and present.

+ Ability to stay current on legal and regulatory requirements applicable to the bank’s portfolio.

**Workstyle:** Fully onsite.

**Our Benefits:**

We offer a competitive total rewards package including base wages and comprehensive benefits. Thepay rangefor this role is$123,000.00 - $180,000.00and the pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation and those details will be provided during the recruitment process.

We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an employee assistance program, life insurance, disability insurance, tuition assistance, mental health resources, identity theft protection, legal support, auto and home insurance, pet insurance, access to an online discount marketplace, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.

**Our Commitment to Diversity:**

Umpqua Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics. If you require an accommodation to complete the application or interview(s), please let us know by email:

**To Staffing and Recruiting Agencies:**

Our posted job opportunities are only intended for individuals seeking employment at Umpqua Bank. Umpqua Bank does not accept unsolicited resumes or applications from agencies and Umpqua Bank will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Umpqua Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.

Join us on our mission to create a completely new, 100% digital bank that truly serves customers' best interests. We are a close-knit and fun-loving team of seasoned financial services professionals who came together for the challenge of building a bank from scratch - and we are committed to doing it all the right way (from technology infrastructure to modern marketing to customer experience).

The anticipated salary range for this role is between $144,000.00 and $180,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.

We work with the flexibility and speed of a start-up. But we also have significant stability and capital from being part of the SMBC Group (Sumitomo Mitsui Banking Corporation). SMBC is the second largest bank in Japan and the 12th largest bank in the world with operations in over forty countries. And SMBC is committed to disrupting the US marketplace with ground-breaking products.

It is the best of both worlds, and we are seeking proven marketing leaders to propel us towards a national launch. We have both the ambitious growth plans and the 'patient capital' necessary to execute a multi-year plan. Join us on the journey to deliver an exciting concept of evolved banking.

**SUMMARY:**

The Credit Risk Analyst will be responsible for supporting the development and management of the Credit Risk Strategies for the Credit Card product. Under the supervision of the Credit Risk Manager, the Risk Analyst will assist in building, managing, and implementing credit strategies – including onboarding, verification, pricing, and credit assignment, as well as test strategies across various marketing channels and credit purposes. The Credit Risk Analyst will work closely with cross-functional partners across Marketing, Product, Technology, and Operations to shape and contribute to growth initiatives. In addition, the Risk Analyst will assist with ensuring internal controls documentation is maintained completely and accurately. The Risk Analyst must use domain knowledge and data-driven recommendations to drive risk-controlled growth for the organization.

**PRINCIPAL DUTIES & RESPONSIBILTIES:**

+ Develop data-driven credit underwriting strategies using a variety of traditional and alternate data sources.

+ Manage credit strategy enhancements within the area of responsibility and make compelling recommendations based on sound credit risk management principles, cost-benefit analysis, and customer experience.

+ Develop policy and procedures for credit strategy execution, including monitoring and controls to ensure intended execution of credit strategies.

+ Partner with Marketing, Product, Operations, and Technology teams to ensure smooth execution and all key control requirements are met.

+ Develop credit strategies to support partner initiatives, including changes to product strategy, marketing channels, and partnership opportunities.

+ Partner with the data science team to explore new approaches, tools, and data sources to support improvements to credit strategies.

+ Develop necessary monitoring and analytical reports to track credit risk KRIs and present insights to senior management.

+ Develop a robust testing agenda to optimize and expand the business.

+ Ensure robust loss forecasting and that all credit strategy work aligns with the firm's credit risk appetite.

+ Ensure compliance with policies and requirements for all assigned responsibilities.

**POSITION SPECIFICATIONS:**

+ Bachelor’s degree or equivalent in quantitative fields.

+ 7-10 years of prior experience in consumer credit risk or similar quantitative role, preferably in credit card lending.

+ Proficient in Python, SQL, R for extracting data from large datasets and statistical analyses.

+ Advanced skills in Microsoft Office, specifically Excel, PowerPoint, and Word.

+ Experience with BI tools (e.g., Tableau, Looker) for report development.

+ Knowledge of credit bureau data, risk models, and free cash flow calculations.

+ Excellent analytical and problem-solving skills and ability to make sound and rational decisions with limited supervision.

+ Exceptional verbal and written communication skills, ability to communicate effectively with senior leaders.

+ Team player, serve as subject matter expert and provide guidance to peers within business units.

+ Experience with credit card products is required.

**EOE STATEMENT**

We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.

**CCPA DISCLOSURE**

Personal Information Collection Notice: This notice contains information under the California Consumer Privacy Act (CCPA) about the categories of personal information (PI) of California residents that SMBC MANUBANK collects and the business or commercial purpose(s) for which the PI may be used. We do not sell PI. More information about our collection and use of PI may be found in our CCPA Privacy Policy at https://www.smbcmanubank.com/privacy/ccpa-disclosure . Persons with disabilities may contact our Customer Contact Center toll-free at (877) 560-9812 to request the information in this Notice in an alternative format.

Are you ready to take your career to the next level?

Job Title: Loan Processor (Entry Level).

Starting Salary: $17/hr ($18/hr- Sat/Sun).

Monthly Bonus Potential: Up to $1,250.

Weekend Pay differential.

* We are located in North Phoenix, right off of 7th street and the Loop 101 *

At Thrivos, we believe in rewarding your hard work and dedication. As a Loan Processor you'll embark on a journey of financial success that begins with base pay, weekend shift differential pay, and the opportunity to earn impressive monthly bonuses.

Why Join Us: Your journey starts with base pay of $17 per hour, ensuring financial stability and security from day one.

Unlock Your Monthly Earning Potential: We empower our Loan Processors to reach new heights with monthly bonuses of up to $1,250, totaling an annual potential of $15,000. Your success is directly tied to your efforts, and we're here to support your growth.

Key Responsibilities

Professionally interact with new and existing customers via phone, email and text providing the highest level of customer service at all times.
Follow strict loan application review guidelines ensuring applications are complete and accurate.
Contact existing customers who are 1-30 days past due and use successful negotiation tactics to bring their accounts current.
Meet or exceed loan funding, collections and call performance targets on a daily/weekly/monthly basis.
Qualifications

Minimum 1-2 years of recent call center experience or retail customers service required (any field of financial services preferred).
Loan application review experience a plus.
Collections experienced a plus.
Demonstrated ability achieve required metrics and goals consistently.
A team player that thrives in a competitive environment.
Ability to multitask.
Bi-lingual Spanish is a plus.

Benefits

Vision/health/dental insurance after 60 days of employment.

401(k) with up to 5% company match after 6 months of employment.

Employee discounts on various products and services.

Life insurance.

Paid time off which accrues on day one.

Paid holidays after 90 days of employment.

Spiffs/contests/incentives.

A competitive but friendly, business casual environment.

We are an equal opportunity employer. All qualified applicants will be considered for employment regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran or disabled status, genetic information or other protected status.

Please note that only qualified candidates will be contacted for an interview.

Job Types: Full-time.

Salary: From $17.00 per hour.

Expected hours: 40 per week.

Shift: 8-hour shift.

Work setting: In-person.

**Why USAA?**

Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.

We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!

We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, or Phoenix, AZ. Relocation assistance is not available for this position.

Leads risk management oversight for a line of business or staff agency in key risk identification, measurement, monitoring, control, and reporting. Drives the understanding and management of risk through appropriate practices and processes.

Takes ownership of assessing and overseeing business exposures including key and emerging risks.

Leads activities that monitor the risk and control environment and provide effective challenge to internal and external partners to ensure that exposures are kept at acceptable levels.

Raises and reports risks to the appropriate governance bodies.

Leads and drives complex initiatives and cross functional teams within the Chief Risk Office, across multiple bank business functions, and potentially across the Enterprise that drive successful problem resolution.

Leverages broad enterprise knowledge and/or expert knowledge of core business discipline(s), products, and processes.

**The Opportunity**

**What you'll do:**

+ Identifies, seeks, and successfully influences key partners across the Bank business executive leadership to support the identification, assessment, aggregation and the overall management of risks and controls.

+ Presents findings and recommendations to various levels of leadership and management committees and successfully communicates with and influences Bank executive leaders to adopt recommendations to improve the risk and control environment for the Bank.

+ Creates and effectively manages strong partnerships with the Bank and other risk and control functions including Business Risk and Control, Compliance and Operational Risk Testing (ECORT) among others to drive successful results and alignment on key risks.

+ Routinely communicates results of oversight activities including monitoring and risk assessments to governance committees’ business process owners and various levels of leadership in the bank and influences decision making.

+ Develops processes and procedures for successful implementation of new risk policies, practices, appetites, and solutions to ensure well-rounded understanding and management of Bank risks according to industry standard methodology.

+ Develops Bank risk tools, and methodologies to measure, monitor, and report risks based on established strategy.

+ Applies expert knowledge and independent critical thinking to use or produce analytical insights for discussion with cross functional teams to understand bank business objectives and influence solution strategies.

+ Leads, assembles, and facilitates cross-functional teams to identify, assess, aggregate, and mitigate current and emerging risk events.

+ Serves as the point of contact for senior risk leadership on projects and special management requests that often impact the enterprise or core operating area.

+ Formulates and reviews stress test plans for bank.

+ Evaluates results, and frames contingency plans in partnership with bank partners.

+ Crafts key communications to be delivered to bank executives and board members.

**What you have:**

+ Bachelor's degree in Risk Management, Business, Finance, or a related field and 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.

+ 8 years of risk management, regulatory or operations experience in a relevant functional area to include banking, insurance, financial services, audit, project management, public accounting or other related operational area Or advanced degree/designation in Risk Management, Business, Finance, or other subject area relevant to risk management and 6 years of work experience in a subject area relevant to risk management.

+ Advanced risk management experience in a complex institution and/or highly matrixed environment.

+ Demonstrated experience in conflict resolution management and ability to effectively challenge at all levels of management, which results in influencing business outcomes.

+ Experience leading and directing solution-oriented work with both internal and external partners in a highly collaborative environment.

+ Demonstrated critical thinking and proven knowledge of data analysis tools and techniques. Decision-making abilities, to include proven ability to effectively make data-driven decisions.

+ Proactively identifies potential concerns and follows-up to resolve issues.

+ Advanced knowledge of Microsoft Office products including Excel and PowerPoint.

+ Knowledge of federal regulation 12 CFR Part 30, including Appendices A and D and with federal supervisory guidance, to include:

+ OCC Documents: Large Bank Supervision Handbook; OCC Safety and Soundness Handbooks - Internal Controls, Corporate & Risk Governance, Retail Lending; and key OCC bulletins - Model Risk Governance, Model Risk Management, New Products and Services Risk Management, Third Party Risk Management, Technology Risk Management, Stress Testing, and Operational Risk

+ Federal Reserve Documents: Consolidated Supervision Framework for Large Financial Institutions; Federal Reserve Board Bank Holding Company Supervision Manual

+ FFIEC Manuals and Handbooks to include: Banking, General understanding of federal laws, rules, and regulations, to include: CRA; ECOA; FCRA; MLA; SCRA; Regulation DD; Regulation E; Regulation Z; BSA/AML; and UDAP/UDAAP

+ Laws and Regulations for illustrative purposes. Roles would need an understanding of all federal and state laws and regulatory guidance applicable to the organization and responsibilities of the role.

**What sets you apart:**

+ Experience with Regulatory Exams, Audits, Internal Risk Assessments, and Reviews.

+ Issue management life cycle experience. Exposure to Controls infrastructure including process risk identification, controls mapping, testing and gaps closure.

+ Experience with executive communications and presentations, independently lead stakeholders engagements and meetings

+ US military experience through military service or a military spouse/domestic partner

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**What we offer:**

**Compensation:** USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. The salary range for this position is: $138,230 - $264,200 **.**

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, please visit our benefits page on USAAjobs.com.

_Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._

_USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

**Job Description**

Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit. Prior to making the credit decision or advising the person(s) making the final credit decision, the Credit Analyst conducts a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers. Reviews customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company. May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio. The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered.

**Basic Qualifications**

- Bachelor’s degree, or equivalent work experience

- Typically four or more years of relevant experience

**Preferred Skills/Experience**

- Strong credit analysis and analytical skills

- Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis

- Background in economics, accounting, and/or finance

- Effective technical report writing skills

- Effective verbal and written communication skills

- Proficient computer navigation skills using a variety of software packages

- Master's degree or CPA certification is preferred

The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

**Benefits:**

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

+ Paid vacation (from two to five weeks depending on salary grade and tenure)

+ Up to 11 paid holiday opportunities

+ Adoption assistance

+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

**EEO is the Law**

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal **KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)** EEO poster.

**E-Verify**

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $81,515.00 - $95,900.00 - $105,490.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.

**What’s Under the Hood**

DriveTime Family of Brands includes in-house financing and servicing through Bridgecrest, which is one of the country’s leading financial servicing providers. Bridgecrest services roughly $17 billion in finance receivables for DriveTime and other third parties. We service auto loans across a wide credit spectrum with the intent of creating a strong path to vehicle ownership for our customers.

**That’s Nice, But What’s the Job?**

**_This is not a position for which sponsorship will be provided. Individuals with temporary visas or who need sponsorship now or in the future are not eligible for hire at this time._**

In short, as a Risk Analyst, you will be responsible for providing consumable data points to department leaders to assist in the day to day operations across DriveTime. You will review data trends and work with department leaders on identifying what is causing changes in trends, and collaborating on resolutions. You will apply your analytical and strategic skills as you initiate, build, and develop the business case for major company initiatives.

**In long you will:**

+ Develop KPI dashboards and reporting suite for the business and provide detailed review of data as necessary based on KPIs.

+ Bringing the strategy to life: our analysts are responsible for analyzing and developing the full life cycle of a project including implementation/execution Effectively communicate with concise insights and/or visualizations utilizing software such as Tableau while partnering collaboratively with colleagues and senior leaders in the organization.

+ Leveraging emerging technologies and critical thinking skills to continually innovate and automate existing methodologies, processes, and reporting. Design, develop, test, and implement new products and solutions.

**What do you need?**

+ You are concentrating with the major(s) of Statistics, Physics, Mathematics, Operations Management, Economics, Business Analytics, Actuarial/Risk Analysis, Finance and/or Financial Management majors

+ You have experience working with SQL, Excel, and Tableau

+ Excellent verbal and written communication skills. The ability to talk and write with confidence, charisma and competence for a wide variety of audiences including management.

+ Intellectual curiosity. Why? What? How? Do you find yourself always wanting to learn more and broaden your knowledge base? If so, this could be the role for you.

**So What About the Perks? Perks matter**

+ **Medical, dental, and vision, oh my!** DriveTime Family of Brands covers a sizable amount of insurance premiums to ensure our employees receive top-tier healthcare coverage.

+ **But Wait, There’s More.** 401(K), Company paid life insurance policy, short and long-term disability coverage to name a few.

+ **Growth Opportunities.** You grow, I grow, we all grow! But seriously, DriveTime Family of Brands is committed to providing its employees with every opportunity to grow professionally with roughly over 1,000 employees promoted year over year.

+ **Tuition Reimbursement.** We’re as passionate about your professional development as you are. With that, we’ll put our money where our mouth is.

+ **Wellness Program.** Health is wealth! This program includes self-guided coaching and journeys, cash incentives and discounts on your medical premiums through engaging in fun activities!

+ **Gratitude is Green.** We offer competitive pay across the organization, because, well… money matters!

+ **In-House Gym.** We want our employees to be the best versions of themselves. So come early, take a break in your day or finish strong with a workout!

+ **Give Us a Reason (or not), and We’ll Celebrate.** Regardless of whether there is a holiday or not, we are finding ways to kick back and enjoy each other’s company outside of day-to-day work.

+ **Smart-Casual Dress.** Come dressed in jeans (you’ll fit right in with the rest of us).

+ **Paid Time Off.** Not just lip service: we work hard, to play hard! Paid time off includes (for all full-time roles) wellness days, holidays, and good ole' fashioned YOU time! For our Part-timers, don't fear you get some time too...vacation time is available - the more you work, the more you earn!

**Anything Else? Absolutely.**

DriveTime Family of Brands is Great Place to Work Certified! And get this: 90% of our rockstar employees say they feel right at home here. We could spend a lot of time having you read about ALL our awards, but we’ll save time (and practice some humility) just naming a few others; Comparably Awards: Best Company for Diversity, Best Company Culture and Best Company Leadership, oh and don’t forget Phoenix Business Journal Healthiest Employers (okay, we’ll stop there)!

Hiring is contingent upon successful completion of our background and drug screening process. DriveTime is a drug-free, tobacco-free workplace and an Equal Opportunity Employer.

And when it comes to hiring, we don't just look for the right person for the job, we seek out the right person for DriveTime. Buckle up for plenty of opportunities to grow in a professional, fun, and high-energy environment!

*MORTGAGE LOAN PROCESSOR III*

WHAT IS THE OPPORTUNITY?

The Mortgage Loan Processor III is responsible for processing home equity line of credit's, purchase, and refinance transactions. They will examine and evaluate approval of client applications and will be responsible for ensuring loans close in a timely basis. 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 you will do

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

* Communicate and respond to internal customers within 2 hours.

* Utilize pipeline reports to effectively manage and prioritize daily workflow.

* Ensure all loans are reviewed at least every 3 days.

* Effectively manage an individual pipeline of 30-50 loans.

* Maintains current knowledge of CNB guidelines and loan programs.

* Meet and exceed monthly funding goals as set forth by management.

* Other duties as/or assigned by management.

*Must-Have**

* H.S. Diploma

* Minimum 3 years recent mortgage experience.

* Minimum 3 years basic computer experience (e.g. Microsoft Word, Excel, Outlook) 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.

*Skills and Knowledge*

* 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 policies and procedures. (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 Origination systems.

*Compensation*

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.

**To be considered for this position you must meet at least these basic qualifications*

The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

*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. Get an inside look at our (https://image.emails.cnb.com/lib/fe5e15707c640c78771c/m/10/cbedd856-c2fc-491b-a625-3ab7a0fd9a65.pdf).

ABOUT CITY NATIONAL

City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves.

*City National Bank does business in Miami and the state of Florida as CN Bank.

For more information about City National, visit (https://www.cnb.com/).

*EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION*

City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. (https://image.emails.cnb.com/lib/fe5e15707c640c78771c/m/1/159726e0-aeb1-4058-9052-d7a2d69626b8.pdf)

If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via (mailto:[email protected]) or leave a message at (213) 673-9139. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days.

*MORTGAGE LOAN PROCESSOR III*

WHAT IS THE OPPORTUNITY?

The Mortgage Loan Processor III is responsible for processing home equity line of credit's, purchase, and refinance transactions. They will examine and evaluate approval of client applications and will be responsible for ensuring loans close in a timely basis. 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 you will do

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

* Communicate and respond to internal customers within 2 hours.

* Utilize pipeline reports to effectively manage and prioritize daily workflow.

* Ensure all loans are reviewed at least every 3 days.

* Effectively manage an individual pipeline of 30-50 loans.

* Maintains current knowledge of CNB guidelines and loan programs.

* Meet and exceed monthly funding goals as set forth by management.

* Other duties as/or assigned by management.

*Must-Have**

* H.S. Diploma

* Minimum 3 years recent mortgage experience.

* Minimum 3 year basic computer experience (e.g. Microsoft Word, Excel, Outlook) 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.

*Skills and Knowledge*

* 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 policies and procedures. (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 Origination systems.

*Compensation*

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.

**To be considered for this position you must meet at least these basic qualifications*

The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

*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. Get an inside look at our (https://image.emails.cnb.com/lib/fe5e15707c640c78771c/m/10/cbedd856-c2fc-491b-a625-3ab7a0fd9a65.pdf).

ABOUT CITY NATIONAL

City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves.

*City National Bank does business in Miami and the state of Florida as CN Bank.

For more information about City National, visit (https://www.cnb.com/).

*EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION*

City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. (https://image.emails.cnb.com/lib/fe5e15707c640c78771c/m/1/159726e0-aeb1-4058-9052-d7a2d69626b8.pdf)

If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via (mailto:[email protected]) or leave a message at (213) 673-9139. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days.