Credit Analysts

For immediate consideration, please connect with me on LinkedIn at https://www.linkedin.com/in/dpotapenko and then email your resume, work authorization status, current location, availability, and compensation expectations directly to denis.potapenko@systemone.com - make sure to include the exact job title and job location in your email message.

*** The job is on-site with a HYBRID work schedule. Candidates must be local or willing to relocate within commuting distance of Pittsburgh PA, Cleveland OH, Dallas TX, Phoenix AZ, Birmingham AL

IT Technology Risk Management Specialist ( IT Auditor / Risk Analyst, IT Technology Risk Control Analyst ) :

- Support and execute technology risk management programs to meet business and regulatory expectations

- Design and develop technology controls for specific risk management program components

- Review and enhance current controls to ensure appropriate risk management

- Execute technology risk management programs across Technology and Lines of Business

- Work with cross-functional teams in the areas of risk and control self-assessments and technology quality assurance reviews

- Identify risks, assess impacts, and recommend resolutions

Required Qualifications (Skills, Experience, Education, Certifications) :

- Experience in technology or operational risk management within financial institutions

- Experience in creating, reviewing, and maintaining operational/technology risk programs

- Demonstrated expertise in developing and managing internal risks and controls

- Experience with Governance, Risk, and Compliance (GRC / eGRC) tools

- ServiceNow platform experience as a user

- First Line of Defense risk management experience

- Knowledge of financial industry regulatory requirements and risk management frameworks

- Preferred: CISA (Certified Information Systems Auditor) or CRISC (Certified in Risk and Information Systems Control) certification

- Preferred: ISACA certification

- Desirable: COSO certification and data mapping experience

- Desirable: Experience with KY3P (Know Your Third Party)

- Desirable: Proficiency in Visio and Tableau

For immediate consideration, please connect with me on LinkedIn at https://www.linkedin.com/in/dpotapenko and then email your resume, work authorization status, current location, availability, and compensation expectations directly to denis.potapenko@systemone.com - make sure to include the exact job title and job location in your email message.

.

Ref: #404-IT Pittsburgh

System One, and its subsidiaries including Joulé, ALTA IT Services, CM Access, TPGS, and MOUNTAIN, LTD., are leaders in delivering workforce solutions and integrated services across North America. We help clients get work done more efficiently and economically, without compromising quality. System One not only serves as a valued partner for our clients, but we offer eligible full-time employees health and welfare benefits coverage options including medical, dental, vision, spending accounts, life insurance, voluntary plans, as well as participation in a 401(k) plan.

System One is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, age, national origin, disability, family care or medical leave status, genetic information, veteran status, marital status, or any other characteristic protected by applicable federal, state, or local 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 - including Microsoft Suite (Excel, Teams, Outlook, etc.)

- Master's degree or CPA certification is preferred

The role is posted as remote; however, candidates who are located near any one of our locations would be required to work on site at least three days per week.

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: $75,820.00 - $89,200.00 - $98,120.00

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.

Provides efficient and accurate handling of customer requests and transactions in a professional and timely manner. Ensures all required policies, guidelines and standards are met as they provide service to BMO customers. Includes a mix of customer service and customer fulfillment activities.

U.S. Only: This position will act as an originator of consumer loans as defined by Regulation Z, Regulation G, and the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act). This position will require a Federal registration with the Nationwide Mortgage Licensing System and Registry. The Bank will instruct you on the registration requirements needed to comply with this requirement. A criminal background review and credit history evaluation will be required for this position as well as restrictions on performing in a real estate agent capacity.

+ Resolves problems as required to support effective business operations.

+ Identifies and recommends opportunities to improve operational efficiencies while still meeting service level standards.

+ Integrates information from multiple sources to enable more efficient processes, enhanced analysis and/or streamlined reporting.

+ Provides customer service by responding to general questions via phone, mail or fax in a timely and professional manner; includes acting as a main point of contact for certain customer requests.

+ Reviews and discusses counter offers and structuring options for loans with the customer in order to fulfill the customer request in a timely manner.

+ Addresses customer services issues according to established parameters, escalating as required.

+ Refers more complex and specific requests, questions or issues as required.

+ Gathers additional documentation from the customer and/ or internal/external stakeholders to ensure all required information is available to fulfill client requests.

+ Recommends workflow improvements to deliver a more efficient operation.

+ Manages customer documentation to ensure that records are maintained in a proper manner.

+ Completes complex & diverse tasks within given rules/limits and may include handling escalations from other employees.

+ Analyzes issues and determines next steps.

+ Broader work or accountabilities may be assigned as needed. **Qualifications:**

+ Typically between 2 - 3 years of relevant experience and post-secondary degree in related field of study desirable or an equivalent combination of education and experience.

+ Able to handle volume of customer requests.

+ Negotiation skills – Good.

+ Specialized knowledge.

+ Verbal & written communication skills - Good.

+ Organization skills - Good.

+ Collaboration & team skills - Good.

+ Analytical and problem solving skills - Good.

**Salary:**

$41,715.00 - $63,700.00

**Pay Type:**

Salaried

The above represents BMO Financial Group’s pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

**About Us**

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/us/en

BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.

BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

Credit and Collections Analyst

Requisition ID: 12156

Location:

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

Pay Type: Salary

Estimated Wage Range $58,800.00 - $66,700.00/ Annu

**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 BE DOING**

+ 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 ARE 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:

+ Demonstrate a commitment to communicating, improving and adhering to health, safety and environmental policies in all work environments and areas. Promote a culture of safety and exhibit these behaviors.

+ Successful candidates must adhere to all safety protocols and proper use of Holcim approved Personal Protection Equipment ("PPE"), including but not limited to respirators. Subject to applicable law, 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 3/15/25

**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.

Please visit our Pay Transparency Policy Statement (https://rmkcdn.successfactors.com/65809a03/24646738-50fc-475e-bf73-0.jpg)

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

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.

**Top Skills**

+ Underwrite Complex, large exposure transactions requiring additional levels of approval

+ SBA Originations Underwriting

+ Commercial/Small Business Originations Underwriting

**Main Responsibilities**

+ Reviewing the Underwriters work and deciding to approve or deny the loans

+ Coaching and developing Underwriters on their team

+ Collaborating with Sales and Operations partners.

**Basic Qualifications**

+ Bachelor’s degree, or equivalent work experience

+ Typically, six or more years of relevant experience

**Preferred Skills/Experience**

+ Commercial/small business originations underwriting experience

+ SBA originations underwriting experience

+ Ability to work and problem solve independently

+ Have effective planning, organizational and time management skills

+ Detail-oriented and self-motivated

+ Proficiency in Microsoft Excel and Moody's Credit Lens

+ Excels in high volume, fast paced production environment

+ Familiarity with nCino lending platforms

+ Serve as back up to Team Manager

+ Peer mentor to new underwriters

+ Underwrite complex, large exposure transactions requiring additional levels of approval

+ Acting as subject matter expert on bank initiatives and projects

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: $111,095.00 - $130,700.00 - $143,770.00

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.

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**

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.

**Top 3 Skills**

+ Credit Analysis

+ SBA Originations Underwriting

+ Commercial/Small Business Originations Underwriting

**Top Responsibilities**

+ 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.

+ Conduct a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers

+ Review customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues to maximize credit quality and minimize risk and potential loss to the company

**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

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: $86,530.00 - $101,800.00 - $111,980.00

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.

Zions Bancorporation is one of the nation’s premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the “Best Banks to Work For” and as having a top banking team in its list of “The Most Powerful Women in Banking.” Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a “local” business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.

With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.

Zions Bancorporation is currently hiring a Model Risk Analyst to join our team! The position will be located in our downtown SLC office and will offer a flexible work schedule, with the option to work fully remote, 3/2 hybrid, or fully in-office.

The purpose of Model Risk Management (MRM) is to provide comprehensive guidance and oversight for effective management of model risk. Zions Bancorporation, N.A. (Bank) relies heavily on quantitative analysis and models in many aspects of financial and strategic decision-making. Models are routinely used for a broad range of activities, including underwriting; valuing exposures, instruments and positions; measuring risk; managing and safeguarding client assets; determining capital and reserve adequacy; and many other activities.

The successful applicant will play a critical role in the Company's process for independently managing model risk. The environment is dynamic, as model assessment work will involve multiple areas of the bank (credit, operations, interest-rate risk).

Specific job duties include:

• Conducting thorough validation and testing of models to assess their accuracy, performance, and suitability for intended purposes.

• Summarizing work in formal written reports.

• Prioritizing and negotiating resolution of identified model issues.

• Partnering with business units to monitor ongoing model performance.

• Continually staying abreast of the industry's advancements in quantitative modeling and measurement of risks.

Applicants should have a high aptitude for critical thinking and analyzing risks. The specific attributes and experience we are looking for are:

Preferred:

• PhD or MS degree in Statistics, Business, Finance, Economics, or other related field.

• 4+ years experience in financial and/or statistical analysis, quantitative modeling, risk measurement statistical analysis, or other quantitative disciplines.

• Extensive understanding of descriptive and inferential statistics.

• Ability to develop financial/statistical models and understand statistical tests of Model performance.

• Advanced skills with quantitative modeling tools to perform model diagnostic/replication work and to process and examine large quantities of data (Python, R, SAS, Matlab, SQL).

• Proficiency using MS Office (Excel, PowerPoint, Word, Outlook, Teams).

• Strong communication skills (written and verbal).

• Ability to work constructively with a variety of departments and to persuasively present recommendations and work results.

Desired:

• Previous experience in model risk management, model validation, or quantitative analysis within a financial institution.

• Knowledge of banking operations, as well as federal and state laws and regulations relating to model risk management programs.

Pay Range:

• $90,000 - $105,000 (based upon relatable skills, experience and location)

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

Req ID: 066805

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.

Location:

2721 N Central Ave, Phoenix, Arizona 85004 United States of America

Job Summary: The Credit Administration Manager will be responsible for overseeing the Credit, Collections, and Inventory Valuation operations, ensuring timely collection of outstanding invoices, managing the credit risk of the company, and proper valuation of retail inventory. This role requires strong analytical skills, excellent communication, and the ability to lead a team effectively.

Key Responsibilities:

+ Lead, mentor, and develop a team of credit and collections professionals.

+ Monitor and manage the collection of outstanding invoices, ensuring timely payments.

+ Collaborate with sales and customer service teams to resolve payment issues and disputes.

+ Develop and implement credit policies and procedures to minimize risk and maximize cash flow.

+ Oversee the credit approval process for new and existing customers.

+ Analyze credit data and financial statements to determine the creditworthiness of customers.

+ Prepare and present detailed credit and collections reports to senior management, highlighting key metrics and trends.

+ Participate in cross-functional projects to support company-wide initiatives related to credit and collections.

+ Prepare and analyze aging reports to identify overdue accounts and prioritize collection efforts.

+ Coordinate with the accounting team to ensure accurate and timely financial reporting.

+ Stay updated on industry trends and changes in credit and collections regulations to ensure compliance.

Qualifications:

+ Strong leadership and team management abilities.

+ Proficiency in Microsoft Office Suite and familiarity with accounting software.

+ Proven experience in a Credit, Collections, Finance, Accounting or similar role.

+ Bachelor's degree in Finance, Accounting, Business Administration, or a related field. (Preferred)

+ Strong understanding of credit and collections principles and practices.

+ Excellent analytical and problem-solving skills.

+ Exceptional communication and interpersonal skills.

U-Haul Offers:

+ Full Medical coverage

+ Prescription plans

+ Dental & Vision Plans

+ New indoor fitness gym

+ Gym Reimbursement Program

+ Registered Dietitian Program

+ Weight Watchers

+ Onsite medical clinic for you and your family

+ Career stability

+ Opportunities for advancement

+ Valuable on-the-job training

+ Tuition reimbursement program

+ Free online courses for personal and professional development at U-Haul University®

+ Business and travel insurance

+ You Matter Employee Assistance Program

+ Paid holidays, vacation, and sick days

+ Employee Stock Ownership Plan (ESOP)

+ 401(k) Savings Plan

+ Life insurance

+ Critical Illness/Group Accident

+ 24-hour physician available for kids

+ Subsidized gym/ membership

+ MetLaw Legal program

+ MetLife auto and home insurance

+ Mindset App Program

+ Discounts on cell phone plans, hotels, and more

+ LifeLock identity Theft

+ Savvy consumer wellness programs- from health care tips to financial wellness

+ Dave Ramsey’s SmartDollar Program

+ U-Haul federal credit union

+ Wellness Program

U-Haul Holding Company, and its family of companies including U-Haul International, Inc. (“U-Haul”), continually strives to create a culture of health and wellness. Consistent with applicable state law, U-Haul will not hire or re-hire individuals who use nicotine products. The states in which U-Haul will decline to hire nicotine users are: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Iowa, Kansas, Maryland, Massachusetts, Michigan, Nebraska, Pennsylvania, Texas, Utah, Vermont, Virginia, and Washington. U-Haul has observed this hiring practice since February 1, 2020 as part of our commitment to a healthy work environment for our team.

U-Haul is an equal opportunity employer. All applicants for employment will be considered without regard to race, color, religion, sex, national origin, physical or mental disability, veteran status, or any other basis protected by applicable federal, provincial, state or local law. Individual accommodations are available on requests for applicants taking part in all aspects of the selection process. Information obtained during this process will only be shared on a need to know basis.

*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:TalentAcquisition@cnb.com) 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.

Job Title: AR Credit Analyst

Job Description

As an AR Credit Analyst, you will analyze financial data, review financial statements, income, and cash flow to determine a customer's creditworthiness. You will calculate financial ratios, make recommendations regarding loan approvals or interest rate changes, prepare reports summarizing a customer's financial health, monitor compliance with bank policies, assist with audits, and communicate with customers to resolve complaints and verify financial transactions.

Responsibilities

+ Analyze financial data, including reviewing financial statements, income, and cash flow to determine a customer's creditworthiness.

+ Calculate financial ratios using computer programs to evaluate a customer's financial health.

+ Make recommendations on loan approvals, denials, or interest rate changes.

+ Prepare reports summarizing a customer's financial health and the risk of lending money.

+ Monitor compliance with bank's policies and guidelines.

+ Assist with company and client audits.

+ Communicate with customers to resolve complaints and verify financial transactions.

Essential Skills

+ 2+ years of Credit Analyst experience

+ Accounts receivable experience

+ New account management

+ 1+ years of experience in construction-related credit

+ 1+ years of experience with Excel

Work Environment

This position is fully onsite initially, with the possibility of transitioning to a hybrid model after permanent placement.

Pay and Benefits

The pay range for this position is $22.00 - $25.00/hr.

Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following: • Medical, dental & vision• Critical Illness, Accident, and Hospital• 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available• Life Insurance (Voluntary Life & AD&D for the employee and dependents)• Short and long-term disability• Health Spending Account (HSA)• Transportation benefits• Employee Assistance Program• Time Off/Leave (PTO, Vacation or Sick Leave)

Workplace Type

This is a fully onsite position in Phoenix,AZ.

Application Deadline

This position is anticipated to close on Apr 8, 2025.

About Aston Carter:

Aston Carter provides world-class corporate talent solutions to thousands of clients across the globe. Specialized in accounting, finance, human resources, talent acquisition, procurement, supply chain and select administrative professions, we extend the capabilities of industry-leading companies. We draw on our deep recruiting expertise and expansive network to meet the evolving needs of our clients and talent community with agility and excellence. With offices across the U.S., Canada, Asia Pacific and Europe, Aston Carter serves many of the Fortune 500. We are proud to be a ClearlyRated Best of Staffing® double diamond winner for both client and talent service.

Diversity, Equity & Inclusion

At Aston Carter, diversity and inclusion are a bridge towards the equity and success of our people. DE&I are embedded into our culture through:

+ Hiring diverse talent

+ Maintaining an inclusive environment through persistent self-reflection

+ Building a culture of care, engagement, and recognition with clear outcomes

+ Ensuring growth opportunities for our people

The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

If you would like to request a reasonable accommodation, such as the modification or adjustment of the job application process or interviewing process due to a disability, please email astoncarteraccommodation@astoncarter.com (%20astoncarteraccommodation@astoncarter.com) for other accommodation options.