Credit Analysts

**Why USAA?**

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

**The Opportunity**

We are seeking a Senior Risk Analyst for our Property & Casualty (P&C) Risk Programs. The ideal candidate will possess experience within the P&C insurance industry, demonstrating hands-on proficiency in supporting and implementing risk assessment frameworks. Familiarity with regulatory compliance and expectations specific to P&C is essential. The role demands strong analytical skills to source, interpret, and present data insights clearly to diverse teams. Experience in managing risk-related projects and engaging with cross-functional teams while presenting findings to mid- and senior-level partners is a key requirement.

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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL.

Relocation assistance is **not** available for this position.

**What you'll do:**

+ Partners with key team members in the business to identify, assess, aggregate and document risks and controls, including risks associated with new or modified products, services, distribution channels, regulations and third-party operations using knowledge.

+ Communicates results of risk assessments to governance committees, business process owners and various levels of leadership.

+ Implements new risk policies, practices, appetites and solutions to ensure multidisciplinary understanding and management of risks according to industry standard process.

+ Improves and contributes to strategies, tools, and methodologies to measure, monitor, and report risks.

+ Applies knowledge to use or produce analytical material for discussions with cross functional teams to understand business objectives and influence solution strategies.

+ Serves as a key contributor in cross-functional teams to identify, assess, aggregate and mitigate current and emerging risk events.

+ Formulates stress test plans for a line of business or the enterprise including the evaluation of results and framing of contingency plans in partnership with key business partners.

**What you have:**

+ Bachelor's degree in Risk Management, Business, Finance, or a related field.

+ 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.

+ 6 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 4 years of work experience in a field relevant to risk management.

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

+ Experience in conflict resolution management and ability to challenge at all levels of management and influence business outcomes.

+ Ability to work with both internal and external partners in a highly collaborative environment.

+ Critical thinking and knowledge of data analysis tools and techniques and decision-making abilities, to include ability to make data-driven decisions.

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

+ Knowledge of Microsoft Office products including Excel and PowerPoint.

**What sets you apart:**

+ Experience in the Property & Casualty (P&C) insurance industry

+ Hands-on experience supporting or implementing risk assessment frameworks

+ Familiarity with regulatory expectations and compliance practices relevant to P&C insurance

+ Ability to source, analyze, and synthesize data and communicate insights clearly to diverse team members through well-documented reporting and tailored messaging

+ Experience managing risk-related projects or initiatives, engaging with cross-functional teams and presenting findings to mid- and senior-level partners

**Compensation range:** The salary range for this position is: $103,450 - $197,730.

**USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).**

**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.

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

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.

**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, 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**

This leader is responsible for collaborating with Sales, Product, and Risk partners to proactively drive process changes that support growth initiatives/programs while ensuring the overall SBA portfolio adheres to the bank’s established risk appetite. This leader must communicate effectively to their teams, risk partners, and internal customers. Additionally, this candidate ensures group’s compliance with established policy and procedure; handling personnel matters; evaluating and improving operational methods and strategies to drive accuracy, efficiency, effectiveness, productivity, and/or control; ensuring and managing sufficient technological resources; and acting as a liaison to other internal and external groups.

The successful candidate in this role will have experience in managing effective credit underwriting teams in a fast paced, high impact growth focused environment. This role will be overseeing the originations and portfolio monitoring credit underwriting teams focused on SBA lending.

**The successful candidate must:**

+ Sustain profitability and growth of SBA underwriting unit – while ensuring the group’s risk appetite is in alignment with BBCS overall.

+ Provide strategic direction and leadership to ensure a robust, consistent, and effective underwriting experience for all credits underwritten by the SBACG UW Group.

+ Empower SBACG Underwriting personnel to partner effectively and efficiently with Sales and Risk partners to make prudent lending decisions while being cognizant of customer experience, bank risk appetite, and industry portfolio performance.

+ Implement and maintain cost-effective programs for the SBACG Group to ensure continued operational leanness while maintaining optimal efficiency and accuracy.

**SPECIFICATIONS:**

+ 12+ years of banking or other relevant work experience with 7+ years of management experience.

+ BA/BS in business administration, finance, accounting, or other related field.

+ Excellent, extensive knowledge of credit policies, credit analysis, procedures, and institutional lending philosophy.

+ Expert knowledge of underwriting units and the ability to apply industry specific credit expertise.

+ Strong analytical skills in relation to evaluating asset utilization and goals.

+ Demonstrated excellent analytical, problem solving, and risk analysis acumen.

+ Thorough knowledge of organization, business practices, business products and services, and ethics.

+ Demonstrated excellent strategic management and leadership abilities.

+ Excellent oral and written communication and presentation skills.

+ Decisions are made in conjunction with enterprise-wide programs, plans, or strategies.

+ Independent action is normally required although other division or senior managers can be consulted before final action is taken.

+ Probable errors would have a material effect on major functions of the corporation.

+ Strong history of successful process management and optimization.

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

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

**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: $186,150.00 - $219,000.00

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.

**Posting may be closed earlier due to high volume of applicants.**

**Why USAA?**

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

**The Opportunity**

We are looking for a mid-level Risk Analyst for the group within the Bank that focuses on second line oversight of the deposits, card and payments lines of business. Provides risk management support for a line of business or staff agency in key risk identification, measurement, monitoring, control and reporting, and the understanding and management of risk through appropriate practices and processes. Assess and oversee enterprise and business exposures including key and emerging risks. Monitors the risk and control environment and provides effective challenge to internal and external stakeholders to ensure that exposures are kept at acceptable levels. Advances and reports risks to the appropriate governance bodies.

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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL. Relocation assistance is **not** available for this position.

**What you'll do:**

+ Partners with key stakeholders in the business to identify, assess, aggregate and document risks and controls, including risks associated with new or modified products, services, distribution channels, regulations and third-party operations.

+ Communicates results of risk assessments to governance committees, business process owners and various levels of leadership.

+ Contributes to the implementation of new risk policies, practices, appetites and solutions to ensure comprehensive understanding and management of risks according to industry best practice.

+ Improves strategies, tools, and methodologies to measure, monitor, and report risks.

+ Applies solid understanding to assess data and produce analytical insights to understand business objectives, drive risk-based business decisions and influence solution strategies.

+ Optimally contributes in cross-functional teams to identify, assess, aggregate and mitigate current and emerging risk events.

+ Provides oversight of risk through documentation review, assessment of performance monitoring, model validation, and use implementation

+ Supports the formulation of scenario analysis and/or stress test plans, including the evaluation of results, and framing of contingency plans in partnership with key business stakeholders.

**What you have:**

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

+ 4+ 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 discipline relevant to risk management and 2+ years work of experience in a discipline relevant to risk management.

+ Demonstrated knowledge of risk management principles, tools and applicable systems.

+ 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 and influence business outcomes.

+ Ability to effectively work with both internal and external partners in a highly collaborative environment.

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

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

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

**What sets you apart:**

+ Prior professional experience associated with the Deposits or Payments business lines.

+ Demonstrated experience in conducting independent monitoring and testing activities, including issue validation.

+ Proven track record to analyze complex datasets to detect patterns, trends, and inconsistencies to identify potential risks.

+ Proficient in using data analysis tools (Tableau, Excel, etc)

+ Strong presentation skills, demonstrating the ability to effectively communicate results to internal teams and key business stakeholders.

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

**Compensation range:** The salary range for this position is: $85,040 - $162,550 **.**

**USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).**

**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.

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

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.

**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, 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.

**About this role:**

Wells Fargo is seeking a Commercial Banking Portfolio Coordinator within Commercial Banking Operations. Learn more about the career areas and lines of business at wellsfargojobs.com (https://www.wellsfargojobs.com/career-areas/) .

**In this role, you will:**

+ Calculate compliance with the financial covenants placed in the customer’s loan agreement

+ Build reporting requirements written into the customer’s loan agreement

+ Read and understand the accounting within the various types of financial statements

+ Respond to banker inquiries

+ Contact available sources for additional information when necessary

+ Identify risks and communicate those findings to the front office

+ Ensure policies and procedures are adhered to

**Required Qualification:**

+ 2+ years of financial analysis experience, or equivalent demonstrated through one ora combination of the following: work experience, training, military experience, education.

**Desired Qualifications:**

+ Experience analyzing Generally Accepted Accounting Principles (GAAP), Balance Sheets, Income Statements and Tax Returns

+ Accounting or finance experience

+ Covenant Monitoring experience

+ Experience with one or a combination of the following systems: Credit View; Business Lending and Sales Tracking (BLAST), Electronic Reporting and Compliance (ETRAC); FLO; EZ Request (EZR); Wholesale Banking Reporting System (WBRS); Automated Financial Systems (AFS) or Imaging and Content Management Platform (ICMP)

+ Completion of coursework in Finance and/or Accounting

+ Military intelligence or analytics experience including operational management, project management, mission evolution management and finance management

+ A BS/BA degree or higher in business administration, finance, accounting or economics

+ Intermediate Microsoft Office skills

+ Excellent verbal, written, and interpersonal communication skills

+ Good analytical skills with high attention to detail and accuracy

+ Ability to work effectively, as well as independently, in a team environment

**Job Expectations:**

+ This position is not eligible for Visa sponsorship

+ Candidate must be based out of posted location

+ This position offers a hybrid work schedule

+ Relocation assistance is not available for this position

+ Ability to work additional hours as needed

**Posting Location:**

+ 1525 West WT Harris Blvd, Charlotte, North Carolina 28262

+ 2800 S Price Road, Chandler, Arizona 85286

+ 4101 Wiseman Blvd, San Antonio, TX 78253

**Posting End Date:**

2 Jul 2025

**_*Job posting may come down early due to volume of applicants._**

**We Value Equal Opportunity**

Wells Fargo 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, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

**Wells Fargo Recruitment and Hiring Requirements:**

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-465507

A position at White Cap isn’t your ordinary job. You’ll work in an exciting and diverse environment, meet interesting people, and have a variety of career opportunities.

The White Cap family is committed to Building Trust on Every Job. We do this by being deeply knowledgeable, fully capable, and always dependable, and our associates are the driving force behind this commitment.

**_Position Purpose_**

Responsible for the daily credit and collections management duties of the credit department within the guidelines set forth in the company credit policy. The execution of these tasks must be accomplished in the manner which is both sales supportive, minimizes bad debt losses and maximizes cash flow.

**_Major Tasks, Responsibilities, and Key Accountabilities_**

**•** Protects the company’s liquid assets and accounts receivable by conducting credit investigations on existing customers to extend or raise credit limits.

**•** Evaluates and analyzes a customer’s creditworthiness by leveraging key performance indicators and external reporting to proactively monitor the health of their assigned A/R portfolio.

**•** Manages and maintains a high-quality account receivable portfolio by taking the necessary steps to ensure credit decisions are based on prudent credit risk review.

**•** Makes collection calls on major accounts, problematic accounts, overdue accounts, reconciles account discrepancies (disputed invoices), establishes credit limits, and negotiates payment schedules.

**•** Escalates customer issues and root-cause drivers of disputes to sales leaders facilitating improvement in processes and customer service.

**•** Applies credit holds judiciously to achieve financial/collection goals while minimizing relationship deterioration.

**•** Executes mechanic’s liens and bond claim filings based on understanding of state specific statutory guidelines for private and public projects.

**•** Provides collections direction to less experienced team members as it relates to high-risk accounts and accounts with large past due balances. Mentors non-exempt associates contributing to the development of strong bench strength.

**Preferred Qualifications**

+ Five years’ experience with CONSTRUCTION credit and collections – REQUIRED.

+ Strong communication and problem-solving skills - REQUIRED.

+ Experience using Outlook, Excel, and Word – REQUIRED.

+ Degree in Finance, Accounting or related field – Preferred.

+ Understanding of Construction Lien Laws – Nice to have.

+ Knowledge of Oracle, getpaid, or related software – Nice to have.

This position may be remote, or hybrid based on location. Eligible candidates residing in the greater Atlanta area will be asked to work two days a week in our Doraville, GA Field Support Center.

If you’re looking to play a role in building America, consider one of our open opportunities. We can’t wait to meet you.

**Functional Area** Finance

**Work Type** Remote

**Recruiter** Haynes, Steven

**Req ID** WCJR-026146

White Cap is an Equal Opportunity Minority/Female/Individuals with Disabilities/Protected Veteran and Affirmative Action Employer. White Cap considers for employment and hires qualified candidates without regard to age, race, religion, color, sex, sexual orientation, gender, gender identity, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law.

*D.R. Horton, Inc., the largest homebuilder in the U.S.*, was founded in 1978 and is a publicly traded company on the New York Stock Exchange. It is engaged in the construction and sale of high quality homes designed principally for the entry-level and first time move-up markets. The Company also provides mortgage financing and title services for homebuyers through its mortgage and title subsidiaries. Please visit our website atwww.drhorton.comfor more information.

D.R. Horton, Inc. is currently looking for a*_Loan Processor_** *in the Branch Department. The right candidate will process mortgage loans and provide a high level of customer service to our builders as well as our home buyers.

*Essential Duties and Responsibilities*
* Oversee the receipt of a file from a Loan Officer through Final Approval
* Review the file for correct stacking order, AU findings for initial determination, and appropriate documentation. Input any changes into the computer systems and re-run for a correct AU determination. Provide the status of a file to all parties
* Submit all files to a DHI Underwriter at your Regional Underwriting Center, and review conditions when received from underwriting. When all conditions are received, make any changes necessary to the computer system and resubmit to the AU system
* Read updates and comply with all Quality Control policies, attending QC meetings as scheduled. Review all files for DHI Mortgage required checklists, and respond to all QC write-ups within 10 calendar days
* Review Loan Processor, Project to Close, and Timeline Exception reports daily. The Loans in Process Report should be reviewed on a weekly basis
* Review the Loan Officer's "needs list"
* Maintain an accurate communication log
* Attend weekly processor meetings as directed by the Branch Manager
* Reconcile the Fee Summary Sheet
* Review the Loan Officer's "needs list"
* Maintain an accurate communication log
* Attend weekly processor meetings as directed by the Branch Manager
* Reconcile the Fee Summary Sheet
* Additional duties as assigned
* Conduct all business in a professional and ethical manner to serve customers and increase the goodwill and profit of the company

*Education and/or Experience *
* One-year certificate from college or technical school
* Three to six months of related experience and/or training
* Ability to apply common sense understanding to carry out instructions furnished in written oral form or via DRH applications
* Proficiency with MS Office and email

*Preferred Qualifications*
* Strong written communication skills and attention to detail
* Ability to accurately and efficiently process and record large amounts of data

Come join a winning team with a Fortune 500 company! We are growing fast and are looking for enthusiastic attitudes and team players to join our success. We offer an excellent benefits package including:
* Medical, Dental and Vision
* 401(K)
* Employee Stock Purchase Plan
* Flex Spending Accounts
* Life & Disability Insurance
* Vacation, Sick, Personal Time and Company Holidays
* Multiple Voluntary and Company provided Benefits*//*

*/Build YOUR future with D.R. Horton, America’s Builder. #WeBuildPeopleToo/*

**Job:** **Financial Services*

**Organization:** **Mortgage*

**Title:** *Loan Processor*

**Location:** *Arizona-Scottsdale*

**Requisition ID:** *2502840*

Credit and Collections Analyst

Requisition ID: 13901

Location:

Gilbert, AZ, US, 85234

Pay Type: Salary

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

**COMPANY OVERVIEW**

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

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

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

Description:

**ABOUT THE ROLE**

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

**WHAT YOU'LL ACCOMPLISH**

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

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

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

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

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

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

+ Prepares accurate credit related reports for management.

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

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

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

**WHAT WE'RE LOOKING FOR**

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

+ Required Work Experience: 3-5 Years

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

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

+ Travel Requirements: Occasional travel to other company sites.

Additional Requirements:

+ 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 7/15/25

**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

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

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

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

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

HOLCIM - WCR, INC.

**Nearest Major Market:** Phoenix

**General information**

**Ref #** 20044

**Remote?** Yes

**Ally and Your Career**

*

Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?

**The Opportunity**

At Ally, every individual is a risk manager. In alignment with our risk culture, this position will ensure the appropriate identification, assessment, and measurement of risk related to the Consumer Auto portfolio. When vital, identified risks will be raised to the appropriate channels to ensure reasonable resolution. The Auto Fraud Investigator is responsible for conducting sophisticated investigations and in-depth research on auto consumer loans across Ally’s Consumer Auto portfolio.

The anticipated closing date for this role is June 20, 2025.

**The Work Itself**

* Provide investigative and fraud risk services in support of the Automotive Finance Line of Business. Position is responsible for investigating external financial crimes; reviewing current controls, recommending control improvements, ensuring applicable regulatory compliance, and preparing investigative reports for both senior leadership and FinCEN.
* Apply good judgment and knowledge of financial investigative tools/techniques to establish an investigative plan; initiate investigation by capturing facts and evidence; prepare independent investigative reports that document findings while examining the current control environment; prepare confidential investigative reports; perform research and analysis using back-end customer profile and transactional systems; conduct appropriate research with industry peers and law enforcement.
* Evaluate investigative findings, draft clear and concise investigative reports, connect with referring source and supervisor and resolve need for additional investigative activity.
* Maintain current knowledge and awareness of investigative fraud techniques, privacy laws, bank regulations, investigation and security incident handling policy and procedure. Possess a strong solid understanding of an automotive line of business operating practices and policies; and maintain strong working relationships with appropriate industry groups and governmental agencies. Position will work closely with Legal, Compliance, LOB representatives, Risk, Audit, Human Resources, vendors and law enforcement.
* Effectively complete countermeasures and various mitigation strategies to prevent additional losses to the company.
* Work with other Ally functions to ensure optimal efforts are taken to recover potential losses (e.g. repo, restitutions, assumptions, insurance claims, etc.).
* Work cooperatively with EFSI and collaborate on higher risk investigations, some interaction may be necessary with other industry partners and/or local, state and federal authorities.
* Ensure enterprise-wide compliance with established standards, policies and procedures for auto, set by Enterprise Fraud, Security and Investigations or other Ally departments.
* Support the development and refinement of the Risk Appetite Statement by maintaining and implementing Consumer Auto Portfolio risk appetites that align with the enterprise according to manager guidance.
* Participate and attend fraud conferences throughout the year when designated and share best practices with others.

**The Skills You Bring**

* Associate/Bachelor’s/MBA degree in Business, Finance, Economics, Mathematics or Statistics preferred.
* Minimum of 3+ years’ experience in fraud investigations/Consumer Fraud Industry experience (auto, card, mortgage, etc) required
* Certification in area of specialization-CFE (Certified Fraud Examiner Certification) or equivalent-strongly preferred.
* Should have knowledge of auto and bank fraud investigative techniques preferred.
* Work cooperatively with EFSI and collaborate on higher risk investigations, some interaction may be necessary with other industry partners and/or local, state and federal authorities.
* Understanding of risk management concepts and key performance drivers within consumer lending portfolios.
* Strong understanding of the threats relating to both direct and indirect auto financing operations
* Excellent organizational, management, and communications skills
* Ability to foster collaborative work partnerships and influence people at all organizational levels
* Relationship management with the ability to influence without authority.
* Must have knowledge of fraud risks and schemes
* Demonstrates the ability to work collaboratively and effectively at all levels of the organization

\#LI-Remote#DFS

**How We'll Have Your Back**

*

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally’s total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including:
* Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting.
* Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs.
* Supporting your Health & Well-being: flexible health and insurance options including dental and vision, pre-tax Health Savings Account with employer contributions and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
* Building a Family: adoption, surrogacy, and fertility support as well as parental and caregiver leave, back-up child and adult/elder day care program and childcare discounts.
* Work-Life Integration: other benefits including LifeMatters® Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.

Who We Are:

Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com.

Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.

Where permitted by applicable law, must have received or be willing to receive the COVID-19 vaccine by date of hire to be considered, if not currently employed by Ally.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at work@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.

**_Base Pay Range:_**

An individual's position in the range is determined by the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.

**Emerging:** 55000

**Experienced:** 75000

**Expert:** 95000

Incentive Compensation: This position is eligible to participate in our annual incentive plan

**About this role:**

Wells Fargo is seeking a Commercial Banking Portfolio Coordinator within Commercial Banking Operations. Learn more about the career areas and lines of business at wellsfargojobs.com (https://www.wellsfargojobs.com/career-areas/) .

**In this role, you will:**

+ Calculate compliance with the financial covenants placed in the customer’s loan agreement

+ Build reporting requirements written into the customer’s loan agreement

+ Read and understand the accounting within the various types of financial statements

+ Respond to banker inquiries

+ Contact available sources for additional information when necessary

+ Identify risks and communicate those findings to the front office

+ Ensure policies and procedures are adhered to

**Required Qualification:**

+ 2+ years of financial analysis experience, or equivalent demonstrated through one ora combination of the following: work experience, training, military experience, education.

**Desired Qualifications:**

+ Experience analyzing Generally Accepted Accounting Principles (GAAP), Balance Sheets, Income Statements and Tax Returns

+ Accounting or finance experience

+ Covenant Monitoring experience

+ Experience with one or a combination of the following systems: Credit View; Business Lending and Sales Tracking (BLAST), Electronic Reporting and Compliance (ETRAC); FLO; EZ Request (EZR); Wholesale Banking Reporting System (WBRS); Automated Financial Systems (AFS) or Imaging and Content Management Platform (ICMP)

+ Completion of coursework in Finance and/or Accounting

+ Military intelligence or analytics experience including operational management, project management, mission evolution management and finance management

+ A BS/BA degree or higher in business administration, finance, accounting or economics

+ Intermediate Microsoft Office skills

+ Excellent verbal, written, and interpersonal communication skills

+ Good analytical skills with high attention to detail and accuracy

+ Ability to work effectively, as well as independently, in a team environment

**Job Expectations:**

+ This position is not eligible for Visa sponsorship

+ Candidate must be based out of posted location

+ This position offers a hybrid work schedule

+ Relocation assistance is not available for this position

+ Ability to work additional hours as needed

**Posting Location:**

+ 1525 West WT Harris Blvd, Charlotte, North Carolina 28262

+ 2800 S Price Road, Chandler, Arizona 85286

+ 4101 Wiseman Blvd, San Antonio, TX 78253

**Posting End Date:**

16 Jun 2025

**_*Job posting may come down early due to volume of applicants._**

**We Value Equal Opportunity**

Wells Fargo 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, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

**Wells Fargo Recruitment and Hiring Requirements:**

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-438196

Facilitates decisioning and analysis of all types of credit information to support lending decisions and processes for the bank. Maintains and promotes a client service environment to satisfy and exceed customer needs and expectations. This role will make credit decisions and recommendations in accordance with sound credit-granting principles and in compliance with Bank Policies & Procedures.

+ Acts timely, efficiently and independently, taking ownership of client satisfaction.

+ May include focused calling and pipeline management activities.

+ Provides advice and guidance to assigned business/group on implementation of solutions.

+ Breaks down strategic problems, and analyses data and information to provide insights and recommendations.

+ Conducts thorough analysis of client capital and credit risk.

+ Provides accurate financial analysis and risk assessment of new and existing customers.

+ Partners with internal stakeholders for accurate, detailed client information.

+ Develops credit information to make lending decisions on new, renewal and extension loans.

+ Assists in negotiations of terms and conditions of all decisions made via phone and e-mail interaction with clients.

+ Prepares summary, present facts and offer opinions concerning credit worthiness.

+ Minimizes BMO’s risk exposure by adhering to internal credit policies and procedures with respect to lending decisions.

+ Provides input into the planning and implementation of operational programs.

+ Builds effective relationships with internal/external stakeholders.

+ Focus may be on a business/group.

+ Thinks creatively and proposes new solutions.

+ Exercises judgment to identify, diagnose, and solve problems within given rules.

+ Works mostly independently.

+ Broader work or accountabilities may be assigned as needed.

**Qualifications:**

+ Typically between 3 – 5 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.

+ 3-5 years of previous Commercial Loan and Credit analyst experience required.

+ In depth specific functional knowledge and broad business knowledge.

+ Strong analytical skills.

+ Exceptional skills in quantitative analytics and credit analysis skills.

+ Highly developed written and oral communication skills.

+ Strong proficiency in Microsoft Office products and the Internet.

+ Strong interpersonal skills.

+ Ability to work under limited supervision.

+ Basic understanding of risk management concepts

+ Ability to learn and adapt quickly.

+ Excellent capability to independently and proactively service multiple clients.

+ Specialized knowledge from education and/or business experience.

+ Verbal & written communication skills - In-depth.

+ Collaboration & team skills - In-depth.

+ Analytical and problem solving skills - In-depth.

+ Influence skills - In-depth.

**Salary:**

$52,800.00 - $98,400.00

**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.