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**

As a dedicated technical Risk Analyst Senior on the Data and Reporting Governance team, you will support and build the tools for the team’s oversight activities and provide support of the team BI tools. The responsibilities will include on-going support of existing SharePoint sites and Tableau dashboards, building simplification processes for the team and automation of oversight reporting.

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 using advanced 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 holistic understanding and management of risks according to industry best practice.

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

+ Applies advanced knowledge to utilize 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 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 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** an advanced degree/designation in Risk Management, Business, Finance, or other discipline relevant to risk management and 4 years of work experience in a discipline relevant to risk management.

+ 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.

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

**What sets you apart:**

+ Proficient ability to use SQL/Tableau/ Python, SharePoint, Salesforce reporting or equivalent.

+ Deep understanding of database management and the ability to translate reporting needs to system data requirements.

+ Experience designing, developing and implementing business solutions and process improvements for risk reporting

+ Concise communication of complex concepts effectively to all levels of management, both written and oral presentation forum.

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

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

**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.

BUILD A BETTER CAREER WITH MSC

Serving customers and our community starts with the best people doing their best work. That is precisely what we have created at MSC Industrial Supply Co. We are a leading North American distributor of metalworking and maintenance, repair, and operations (MRO), products and services. We offer more than 2 million products and have over 80 years of experience across dozens of industries. We aim to execute our Built to Make You Better brand promise for all our stakeholders, including our associates.

Requisition ID :17808

Employment Type :Full Time

Job Category :Finance

Work Location :Phoenix, AZ

**CAN BE REMOTE FROM WEST COAST DUTIES and RESPONSIBILITIES:

+ Processes orders, addresses past due status, makes collection calls, reviews credit lines, and makes credit decisions based on the guidelines and limits of authority established by management.

+ Reconciles customer accounts by resolving any problems that are preventing timely payments. Assists customers who have credit/collection reconciliation problems with their outstanding balance.

+ Researches and reconciles miss-applied payments, short paid invoices, credits taken twice, sales tax adjustments to determine possible solutions, and all other disputed balances on open transactions.

+ Processes duplicate copies of invoices or credits for accounts at the customer’s request.

+ Processes proof of deliveries for UPS, Truck and Direct shipments made to customers.

+ Interact with internal personnel (i.e. Customer Service, Sales and Branch Associates) regarding customer inquiries on billing issues.

+ Responsible for collection portfolio of approximately 800 customers with balances greater than 30 days old. Daily workflow includes collection calls, reconciling customer problems, following up on open issues, documenting customer notes, providing world class customer service, handling incoming calls from internal and external customers, and all other assigned daily credit and collection programs.

+ Daily call volume varies but is estimated at 60 to 80 calls per day.

+ Researches payments/credits that have been miss-applied, applied to similar accounts, short paid, taken twice, etc. Complete adjustment forms for sales tax, freight or sales related issues as required.

+ Prepares delinquent and fraudulent accounts to be placed for collection.

+ Follows guidelines on collection techniques and procedures established by management.

+ Participates in team meetings. Fosters the MSC Culture within the credit department and throughout the company to ensure unity of purpose and fulfillment of MSC’s mission.

+ Participates in special projects and performs additional duties as required.

EDUCATION and EXPERIENCE:

+ High school diploma or the equivalent is required. Some college is preferred.

+ Minimum of two years of commercial credit/collections experience is required.

SKILLS:

+ CRT, PC experience is required.

+ Good verbal and written communication skills are required.

+ Good time management and organizational skills are required.

+ Experience with JDE AS400 System format preferred.

Compensation starting at $15 – $23 / hour dependent on candidate location and experience.

The salary range represented is based on similar roles in comparable industries, and the cost of labor in respective cities. Actual compensation is based on the candidate’s relevant experience, education requirements and peer pay equity. The Company reserves the right to modify the range as market conditions change.

#LI-Remote

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

Job Title: Loan Processor (Entry Level).

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

Monthly Bonus Potential: Up to $1,250.

Weekend Pay differential.

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

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

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

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

Key Responsibilities

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

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

Benefits

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

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

Employee discounts on various products and services.

Life insurance.

Paid time off which accrues on day one.

Paid holidays after 90 days of employment.

Spiffs/contests/incentives.

A competitive but friendly, business casual environment.

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

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

Job Types: Full-time.

Salary: From $17.00 per hour.

Expected hours: 40 per week.

Shift: 8-hour shift.

Work setting: In-person.

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 SBA 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 SBA 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 five or more years of relevant experience

**Preferred Skills/Experience**

- SBA lending experience

- Commercial underwriting knowledge and experience

- Strong credit analysis and analytical skills

- In-depth 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

- Proficiency in Microsoft Excel

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

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

**Benefits:**

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

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

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

+ Up to 11 paid holiday opportunities

+ Adoption assistance

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

**EEO is the Law**

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

**E-Verify**

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

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $98,345.00 - $115,700.00 - $127,270.00

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.

U.S. Bank accepts applications for this position on an ongoing basis.

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 SBA 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 SBA 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 five or more years of relevant experience

**Preferred Skills/Experience**

- SBA lending experience

- Commercial underwriting knowledge and experience

- Strong credit analysis and analytical skills

- In-depth 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

- Proficiency in Microsoft Excel

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

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

**Benefits:**

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

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

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

+ Up to 11 paid holiday opportunities

+ Adoption assistance

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

**EEO is the Law**

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

**E-Verify**

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

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $98,345.00 - $115,700.00 - $127,270.00

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.

U.S. Bank accepts applications for this position on an ongoing basis.

Join our mission to create a completely new, 100% digital bank that uses consumer feedback to truly meet customers’ best interests. Jenius Bank, a division of SMBC MANUBANK, and a member of SMBC Group, is being built by a close-knit and fun-loving team of financial services professionals and technology experts who came together for the challenge of building a full-service digital bank from scratch. We’re committed to doing it the right way for the customer and are growing rapidly. To learn more about our relationship to our parent company, visit our website.

The anticipated salary range for this role is between $85,000.00 and $131,000.00. The specific salary offered to an applicant will be based on their individual qualification, experiences, and analysis of current compensation paid in their geography and the market for similar roles at time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC MANUBANK offers a competitive portfolio of benefits to its employees.

.

Jenius Bank is strategically scaling up a portfolio of products and building extraordinary experiences. In 2023, we launched our first two products reaching $1 billion in deposits and over $700 million in loans, all before Jenius Bank’s first anniversary. We don’t plan to slow down, with ambitious growth plans and the capital necessary to execute a multi-year strategic plan. We have a start-up mindset paired with SMBC Group’s 400 years of history. SMBC Group has more than 150 offices and 86,000 employees worldwide in nearly 40 countries and is committed to creating new business to better serve customers in the rapidly evolving digital environment. Join us on the journey that has caught the attention of the Banking Dive, and more to reinvent banking where smarter banking translates to a richer life.

**SUMMARY:**

Imagine being part of the new Jenius Bank : SMBC Manubank Digital Business Unit (DBU). We have a great opportunity for an innovative and effective Business Control Officer (Associate) to join its Business Control Office (BCO) team. In this role you will help to build and drive the BCO programs and governance structure for a proactive management of risk to support new ventures, whilst leveraging modern technology capabilities. This role will support Retail products’ (Unsecured loans & Deposits) processes and could be based in Charlotte, NC, Phoenix, AZ or potentially remote, and you will report into the ED, Business Control Officer.

**PRINCIPAL DUTIES AND RESPONSIBILITIES:**

+ Leads and provides expert guidance on assessment of processes and controls across the end-to-end transaction lifecycle, proactively assessing threats, vulnerabilities, and possibility of future incidents

+ Performs process re-engineering to improve efficiency and strengthen controls within the Jenius Bank

+ Performs risk management framework and related risk assessments of Jenius Bank’s processes

+ Support 1st LoD via performance of issue management & root cause analysis

+ Assess business-unit level key metrics to ensure operational effectiveness, establish and manage Jenius Bank level metrics

+ Provides education for Jenius Bank staff to ensure awareness of and adherence to policies, standards, and procedures, disseminating best-practice guidance

+ Oversee 1st LoD activities and assist specialized domain SMEs (e.g., IT Risk, Data Governance) in the implementation of their programs within Jenius Bank

+ Supports the Jenius Bank management team (incl. new product development) through identification of risk & control considerations, as well as definition & operationalization of risk mitigants

+ Ensure that risk management considerations are embedded in Jenius Bank processes and strategy

**POSITION SPECIFICATIONS:**

+ Bachelor’s degree required or equivalent experience, MBA/MA/MS in a relevant discipline a plus.

+ 3-6 years of specialized experience in Financial Services

+ 3-6 years of experience in a similar role in Consumer Banking in Enterprise/ Operational Risk or Business Control experience

+ 1st and 2nd LOD and Consumer Lending experience desired and Credit Card experience a plus

+ Experience with executing operations risk assessment/testing methodologies evaluating the adequacy and efficiency of internal controls; and identifying issues resulting from internal and or external examinations

+ Must have strong interpersonal skills to interface with all levels of management, as well as good analytical and communication skills.

+ Working knowledge of regulatory requirements for Consumer Lending preferred

+ Strong leadership and communication ability, inclusive of conflict resolution and project management abilities

+ Consumer Lending experience ideally in building new product or start up type environment

**EOE STATEMENT**

SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at [email protected].

**CCPA DISCLOSURE**

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

*MORTGAGE LOAN PROCESSOR III*

WHAT IS THE OPPORTUNITY?

The Mortgage Loan Processor III is responsible for processing home equity line of credit's, purchase, and refinance transactions. They will examine and evaluate approval of client applications and will be responsible for ensuring loans close in a timely basis. Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act. Must remain in good standing under the Safe Act.

What you will do

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

* Communicate and respond to internal customers within 2 hours.

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

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

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

* Maintains current knowledge of CNB guidelines and loan programs.

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

* Other duties as/or assigned by management.

*Must-Have**

* H.S. Diploma

* Minimum 3 years recent mortgage experience.

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

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

*Skills and Knowledge*

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

* Strong attention to detail and accuracy.

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

* Strong knowledge of federal/state regulatory policies and procedures. (TRID Experience Required)

* Excellent written and verbal skills.

* Excellent organizational skills.

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

* Proficient PC skills, including Microsoft Office and Loan Origination systems.

*Compensation*

Starting base salary: $25.93 - $41.43 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

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

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

*Benefits and Perks*

At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our (https://image.emails.cnb.com/lib/fe5e15707c640c78771c/m/10/cbedd856-c2fc-491b-a625-3ab7a0fd9a65.pdf).

ABOUT CITY NATIONAL

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

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

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

*EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION*

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

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

*MORTGAGE LOAN PROCESSOR II*

WHAT IS THE OPPORTUNITY?

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

What you will do

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

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

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

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

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

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

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

* Effectively manage a pipeline of 25-40 loans.

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

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

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

* Maintain current knowledge of CNB guidelines and loan programs.

* Other duties as/or assigned by management.

*Must-Have**

* Minimum 2 years of mortgage loan processing experience required.

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

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

*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 requirements. (TRID Experience Required)

* Excellent written and verbal skills

* Excellent organizational skills

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

* Proficient PC skills, including Microsoft Office and Loan Originations Systems with preference for EMPOWER.

*Compensation*

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

**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).

*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*

City National Bank is an equal opportunity employer committed to diversity and inclusion. 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 law.

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/).

At EY, you’ll have the chance to build a career as unique as you are, with the global scale, support, inclusive culture and technology to become the best version of you. And we’re counting on your unique voice and perspective to help EY become even better. Join us and build an exceptional experience for yourself, and a better working world for all.

The exceptional EY experience. It's yours to build.

EY focuses on high-ethical standards and integrity among its employees and expects all candidates to demonstrate these qualities.

**Location:** Dallas, Atlanta, Houston, Nashville, Detroit (would be open to additional locations)

**EY IT Manager – EY EDGE – Federal Tax Advisory (FTA) **

Here at EY, you’ll have the chance to build a truly exceptional experience. We’ll empower you with the latest technology, surround you with high-performing teams, and provide the global scale and diverse and inclusive culture you need to discover your full potential. Through our coaching and training programs, you’ll develop the skillsets you need to stay relevant today and, in the future, all while building a network of colleagues, mentors, and leaders who will be on the journey with you at EY and beyond.

** **

**The opportunity**

As an EY IT Manager, you will partner with other STEM team members with software engineer/computer science background, as well as EY Tax professionals from across the globe to assist clients in identifying and documenting activities and expenses that qualify for various R&D and innovation-related incentives. Our clients span all industries and are performing some of the most cutting-edge research on the planet. If you want to be exposed to exciting research and development initiatives undertaken by our clients in the field of information technology (IT), finance and banking, automotive, gaming and entertainment, telecommunication, etc., this role is for you! This opportunity is ideal for individuals with relevant qualifications or experience in software, computer engineering, computer science and/or technology who wish to leverage and apply their technical skills in a new way. This role will suit experienced and enthusiastic engineers/technologists who are driven to learn about new technologies and industry trends, widen their technical knowledge and have broader client and commercial exposure.

The successful candidate will get the opportunity to work as part of a growing and dynamic practice with a diverse team of highly successful engineers, scientists, technologists, and tax professionals.

**Your key responsibilities**

As an EY IT Manager, you will engage in discussions on the development of discuss new innovative software applications including areas such as software architecture design, Artificial Intelligence (AI) and Machine Learning (ML), cybersecurity, Blockchain and Distributed Systems, telecommunication, cloud computing and virtualization, data science and big data, and other high-tech fields with a host of industry leaders. You will be working with a variety of clients at the forefront of technology, from entrepreneurs to public corporations, to evaluate and help prepare their R&D and innovation-related incentives. Many of these incentives, such as the Research Credit, are aimed at encouraging companies to invest in innovation and research-driven activities in the United States. To avail themselves of these incentives, our clients are required to demonstrate their involvement in qualifying activities. As an EY STEM Manager, you will assist our clients in documenting their qualifying activities by leveraging your software/computer engineering background along with your industry experience. Your responsibilities will include:

+ Utilizing your broad knowledge of current technologies during client meetings to identify qualifying activities across various fields such as software development, artificial intelligence, machine learning, cyber security, wireless networks, data analytics, defense, robotics, and the Internet of Things (IoT).

+ Collaborating with a multi-disciplinary group of accountants, attorneys, scientists and engineers from across the globe.

+ Reviewing and providing comprehensive feedback on technical descriptions/project narratives prepared by more junior team members.

+ Reviewing, analyzing, and interpreting our clients’ complex technical information such as design specifications, design documents, testing reports, etc., to extract relevant information and draw appropriate conclusions to help determine the qualifying nature of our clients’ activities.

+ Assisting with staffing/scheduling of EY team members on client engagements.

+ Assisting our Tax teammates with IRS audits through the preparation of technical documentation and participation in discussions with IRS engineers and scientists.

**Skills and attributes for success**

+ Strong understanding of software engineering techniques and principles, software development, design methodologies, etc.

+ Strong verbal and written communication skills with a passion for documentation.

+ Creative thinking and technical writing abilities that enable you to effectively identify and describe our clients’ R&D and innovation-related activities.

+ Strong interpersonal and effective team collaboration skills.

+ Ability to provide practical approaches to complex situations.

+ Ability to apply critical thinking and to ask probative questions to ensure the delivery of high-quality technical work products.

+ Ability to manage client expectations.

+ Ability to multi-task while adhering to deadlines.

**To qualify for the role, you must have**

+ A STEM undergraduate degree in computer science, computer engineering, or software engineering.

+ A Master’s degrees in information systems, science, engineering, green incentives, accounting, valuation, business administration or law, **or** a Professional designation in at least one of the following fields: Leadership in Energy & Environmental Design Accredited Professional (LEED AP); Professional Engineer (PE) or Registered Architect (RA) from the National Society of Professional Engineers (NSPE®); Engineer in Training (EIT); Professional Software Engineering Master (PSEM) Certification; Professional Software Developer (PSD) Certification; Project Management Professional (PMP)® from Project Management Institute (PMI); or Lean Six Sigma Green Belt.

+ 4+ years of experience in U.S. research and innovation-related incentives.

+ 2+ years of experience in software industry.

+ 2+ years of experience in People Management.

+ Excellent verbal and written communication skills.

+ Strong organizational and time management skills with a demonstrated ability to work independently while simultaneously managing multiple projects.

+ Strong proficiency in Microsoft Office, including Excel, Word, PowerPoint, and Teams.

**What we look for**

+ Accelerate your technical capabilities and transformative leadership skills with future-focused courses and development programs.

+ Broaden your horizons by working on highly integrated teams across the globe and collaborating with people of diverse backgrounds — both professionally and culturally.

+ Bring out the best in yourself with continuous investment in your personal well-being and career development.

+ Develop your own personal purpose and help us create a positive ripple effect on our teams, our business, clients, and society – building a better working world, together.

**What we offer**

We offer a comprehensive compensation and benefits package where you’ll be rewarded based on your performance and recognized for the value you bring to the business. The base salary range for this job in all geographic locations in the US is $102,600 to $188,000. The salary range for New York City Metro Area, Washington State and California (excluding Sacramento) is $123,100 to $213,700. Individual salaries within those ranges are determined through a wide variety of factors including but not limited to education, experience, knowledge, skills and geography. In addition, our Total Rewards package includes medical and dental coverage, pension and 401(k) plans, and a wide range of paid time off options. Join us in our team-led and leader-enabled hybrid model. Our expectation is for most people in external, client serving roles to work together in person 40-60% of the time over the course of an engagement, project or year. Under our flexible vacation policy, you’ll decide how much vacation time you need based on your own personal circumstances. You’ll also be granted time off for designated EY Paid Holidays, Winter/Summer breaks, Personal/Family Care, and other leaves of absence when needed to support your physical, financial, and emotional well-being.

+ **Continuous learning:** You’ll develop the mindset and skills to navigate whatever comes next.

+ **Success as defined by you:** We’ll provide the tools and flexibility, so you can make a meaningful impact, your way.

+ **Transformative leadership:** We’ll give you the insights, coaching and confidence to be the leader the world needs.

+ **Diverse and inclusive culture:** You’ll be embraced for who you are and empowered to use your voice to help others find theirs.

EY accepts applications for this position on an on-going basis. **If you can demonstrate that you meet the criteria above, please contact us as soon as possible.**

EY exists to build a better working world, helping to create long-term value for clients, people and society and build trust in the capital markets.

Enabled by data and technology, diverse EY teams in over 150 countries provide trust through assurance and help clients grow, transform and operate.

Working across assurance, consulting, law, strategy, tax and transactions, EY teams ask better questions to find new answers for the complex issues facing our world today.

For those living in California, please click here for additional information.

EY is an equal opportunity, affirmative action employer providing equal employment opportunities to applicants and employees without regard to race, color, religion, age, sex, sexual orientation, gender identity/expression, pregnancy, genetic information, national origin, protected veteran status, disability status, or any other legally protected basis, including arrest and conviction records, in accordance with applicable law.

EY is committed to providing reasonable accommodation to qualified individuals with disabilities including veterans with disabilities. If you have a disability and either need assistance applying online or need to request an accommodation during any part of the application process, please call 1-800-EY-HELP3, select Option 2 for candidate related inquiries, then select Option 1 for candidate queries and finally select Option 2 for candidates with an inquiry which will route you to EY’s Talent Shared Services Team (TSS) or email the TSS at [email protected]

The Company

PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy.

We operate a global, two-sided network at scale that connects hundreds of millions of merchants and consumers. We help merchants and consumers connect, transact, and complete payments, whether they are online or in person. PayPal is more than a connection to third-party payment networks. We provide proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers.

We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as the ability to transfer and withdraw funds. We enable consumers to exchange funds more safely with merchants using a variety of funding sources, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards. Our PayPal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other. We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts. We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade.

Our beliefs are the foundation for how we conduct business every day. We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Together, our values ensure that we work together as one global team with our customers at the center of everything we do - and they push us to ensure we take care of ourselves, each other, and our communities.

Job Description Summary:
We're seeking an experienced Cybersecurity Risk Analyst to join our dynamic organization. This role will apply a strong knowledge of technology, cybersecurity, and data practices and frameworks, as well as qualitative and quantitative analytical skills, to develop, assess, frame, and coordinate high-impact changes to cybersecurity and technology and risk management practices across our family of brands including PayPal, Venmo, Xoom, and Zettle.

As a member of PayPal's Cybersecurity Governance, Risk, and Compliance organization, accountable to the CISO, you will join a diverse and collaborative organization that works together to guide PayPal's management of cyber and information security risks across the company, support compliance with evolving technology regulations and standards, and drive sound technology decision-making in support of the company's mission and objectives.

Job Description:

Your way to impact

In this role you will identify, assess, and mitigate information security risks across our organization's infrastructure, applications, and business processes. This role combines technical expertise with business acumen to protect our digital assets while enabling business objectives. This position is highly collaborative, and will involve developing close working partnerships with engineering, architecture, risk management, compliance, legal, communications, government relations, and oversight teams.

Your day to day

In your day to day role you will:

* Lead independent and cross-functional projects to evaluate high-priority security and technology topics, issues, and risks in relation to PayPal's products, people, processes, and technology.

* Work with key partners to propose, assess, frame, and advocate for changes to PayPal's technology and cybersecurity practices, including requirements, guidance, roles, responsibilities, and strategy, based on evolving technologies, risks, industry standards, and compliance requirements.

* Identify and document key decision points, cost-benefit analysis, business trade-offs, technical and security risks, and other relevant factors for decision-makers related to technology and cybersecurity.

* Establish trusted working relationships with key partners across engineering, architecture, risk management, compliance, legal, communications, government relations, and oversight teams.

* Foster alignment with key partners on risk response proposals and implementation plans based on industry best practices, regulatory requirements, and organizational risk tolerance.

* Prepare working and executive-level reports, memos, and presentations to communicate complex concepts, risks, and recommendations in a clear and concise manner.

What do you need to bring

* Knowledge of current and emerging information technologies (e.g., AI / ML); cybersecurity threats and vulnerabilities; risk management processes and practices; industry standard control frameworks and best practices (e.g., NIST, ISO); and prominent cybersecurity and privacy regulations globally.

* Strong work ethic with proven ability to learn quickly, prioritize work, and manage complex deliverables to completion under established deadlines.

* Willingness to drill down into complex topics as needed to understand and validate key tactical or technical details with strategic level implications, and ability to identify and articulate those "big picture" considerations for key audiences.

* Superb consultative, adjudicative, investigative, and influencing skills, including business acumen, stakeholder empathy, and conflict resolution, as well as general comfort working in a dynamic, global, fluid, and matrixed working environment.

* Exceptional verbal and written communication and analysis skills, including experience developing high-quality written analysis, strategy, or policy documents

* Prior involvement in analysis, interpretation, and communication of legal or regulatory technology policy requirements.

* Practiced at targeting and delivering written work product and verbal presentations to varied audiences (e.g., executives, engineers, customers, regulators, etc.)

* Unquestionable professional and ethical integrity, ideally demonstrated through experience with projects of a sensitive, privileged, or confidential nature.

* Ability to approach and understand problems from a statistical or quantitative perspective and draw meaningful, accurate conclusions, as well as scrutinize models and inferences for misleading or overlooked considerations.

* Master's Degree in a relevant discipline, such as cybersecurity, business, public policy, economics, statistics, risk management, or computer science; outstanding Bachelor's Degree candidates will be considered.

* 2+ years total experience in technology or security governance, policy, risk management, and / or compliance roles.

* Candidates will be expected to provide 2 writing samples on relevant topics, ideally published or graded academic work (1 long-form analytic writing sample; 1 short-form discursive or informative writing sample).

Additional Job Description:

Subsidiary:
PayPal

Travel Percent:
0

-

PayPal is committed to fair and equitable compensation practices.

Actual Compensation is based on various factors including but not limited to work location, and relevant skills and experience.

The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit https://www.paypalbenefits.com.

The U.S. national annual pay range for this role is
$84500 to $204600

For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

Our Benefits:

At PayPal, we're committed to building an equitable and inclusive global economy. And we can't do this without our most important asset-you. That's why we offer benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.

We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit https://www.paypalbenefits.com.

Who We Are:

Click Here to learn more about our culture and community.

Commitment to Diversity and Inclusion

PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law. In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at [email protected].

Belonging at PayPal:

Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal.

Any general requests for consideration of your skills, please Join our Talent Community.

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don't hesitate to apply.