Mortgage Credit Manager Salary in State of New York, USA

A career within Financial Markets Business Advisory services, will provide you with the opportunity to contribute to a variety of audit, regulatory, valuation, and financial analyses services to design solutions that address our clients' complex accounting and financial reporting challenges, as well as their broader business issues.To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future.As a Senior Associate, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. PwC Professional skills and responsibilities for this management level include but are not limited to:Use feedback and reflection to develop self awareness, personal strengths and address development areas.Delegate to others to provide stretch opportunities, coaching them to deliver results.Demonstrate critical thinking and the ability to bring order to unstructured problems.Use a broad range of tools and techniques to extract insights from current industry or sector trends.Review your work and that of others for quality, accuracy and relevance.Know how and when to use tools available for a given situation and can explain the reasons for this choice.Seek and embrace opportunities which give exposure to different situations, environments and perspectives.Use straightforward communication, in a structured way, when influencing and connecting with others.Able to read situations and modify behavior to build quality relationships.Uphold the firm's code of ethics and business conduct.Teamwork is an essential component of our group. As an associate, you will be constantly working as part of a broader team of all levels. This requires a consistent dedication to the quality of work, the ability to proactively seek guidance and feedback, taking ownership and leading, and contributing to a positive work environment.Job Requirements and Preferences:Basic Qualifications:Minimum Degree Required:Bachelor DegreeMinimum Years of Experience:2 year(s)Certification(s) Required:Before starting with PwC full-time, must meet all educational requirements to be eligible for the primary credential license appropriate for relevant practice area, such as having 150 credit hours for the CPA license in the state in which your office will be located or the educational requirements to license for other relevant credentials, for example the Certified Financial Analyst (CFA) or Project Management Professional (PMP).Preferred Qualifications:Preferred Fields of Study:Accounting, Accounting & Finance, Finance, Engineering and Business, Real EstateAdditional Educational Preferences:A Juris Doctorate, PhD, MBA or a Master degree in Finance, Tax, Quantitative Statistics, Financial Engineering, Economics may also be considered.Certification(s) Preferred:A credential must be obtained prior to being promoted to Manager: CPA or CFA preferred.Preferred Knowledge/Skills:Demonstrates thorough abilities and/or a proven record of success in financial issues, capital markets and product life cycle; knowledge which will be enhanced by working on various client engagements and assignments related to complex financial issuing, investing in or trading financial instruments. Candidates who have experience working with financial products that use LIBOR as a reference rate are desired.Demonstrates thorough abilities and/or a proven record of success in financial products and issues that both issuers and investors face as markets evolve over time including the following areas:Applying accounting, tax and regulatory standards to complex financial instruments;Assisting clients with their understanding of complex financial structures prior to the issuance of securitizations and assisting related parties, underwriters, attorneys, etc.;Performing valuation analysis of financial instruments and structured products;Assessing the reasonableness of valuations and financial models prepared by others; and,Creating independent financial models to project collateral and bond cash-flows for various debt types and related securitizations, including asset backed securities, mortgage backed securities, and collateralized loan obligations.Demonstrates thorough abilities and/or a proven record of success in problem-solving skills and the ability to prioritize and manage multiple tasks, including the following areas:Researching and analyzing clients, industry, and financial matters, while demonstrating technical and analytical skills;Utilizing industry software, e.g. INTEX, TREPP, Bloomberg, CapIQ, or, advanced Excel modeling;Applying accounting treatments of financial products and securitizations held by financial institutions, including familiarity with regulatory requirements related to securitization; and,Communicating effectively, both written and verbally, within a professional services business environment.Demonstrates thorough abilities and/or a proven record of success as a team leader:Participating in client discussions and meetings;Creating a positive environment by monitoring workloads of the team while meeting client expectations and respecting the work-life quality of team members; and,Being agile in a changing environment while managing engagements, including preparing concise, accurate documents and maintaining project economics while maintaining flexibility for unanticipated issues.Demonstrates thorough abilities and/or a proven record of success in automation & digitization in a professional services environment including but not limited to:Innovating through new and existing technologies, along with experimenting with digitization solutions; and,Working with large, complex data sets to build models and leverage data visualization tools to provide insights to clients; and utilizing digitization tools to reduce hours and optimize engagements.Learn more about how we work: https://pwc.to/how-we-workPwC does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: https://pwc.to/H-1B-Lottery-Policy.All qualified applicants will receive consideration for employment at PwC without regard to race; creed; color; religion; national origin; sex; age; disability; sexual orientation; gender identity or expression; genetic predisposition or carrier status; veteran, marital, or citizenship status; or any other status protected by law. PwC is proud to be an affirmative action and equal opportunity employer.For positions in California, Colorado, Hawaii, Nevada, New York State, or Washington State, or for opportunities that will report to a supervisor, office or other work site in New York State, please visit the following link for pay range information: https://pwc.to/payrange-v1-taxseniorassociate

Primary Care Development Corporation (PCDC): Catalyzing Excellence in Primary CareQuality primary care is transformative and a cornerstone of healthy, thriving communities. PCDC, a nationally recognized 501(c)(3) community development financial institution (CDFI), catalyzes excellence in primary care through strategic community investment, capacity building, and policy initiatives to achieve health equity. PCDC's Capital Investment Practice invests in communities by providing flexible, affordable capital to create lasting and sustainable impact for the organizations and the communities they serve. PCDC is uniquely positioned to provide financing that is tailored to transforming and expanding primary care, including, wherever possible, the integration of comprehensive medical, dental, and behavioral health services. PCDC provides strategic advice to help organizations that are preparing for growth and an expansion of services or planning facility development projects and offers a variety of affordable and flexible short-term and long-term loan solutions to support capital projects as well as other business and service expansions. PCDC's Capital Investment staff understand primary care business models and monitor policy changes and regulations that affect primary care practices and revenue streams and serve as trusted advisors to clients on what it takes to successfully finance capital projects in a changing health care environment. To fund our loans, we raise impact investment capital to enable us to deliver flexible, affordable capital solutions to our clients. We also partner with other community development lenders and advocates dedicated to catalyzing excellence in primary care to ensure we can meet a client's needs, regardless of project size.Position OverviewThe Capital Investment CDFI Compliance & Loan Closing Manager will be responsible for coordinating and facilitating all loan closing activity for PCDC, including balance sheet lending and NMTC transactions. This role will also support the underwriting, structuring, closing, asset management and unwinding stages of NMTC transactions. The ideal candidate will have experience with real estate transactions including loan document review and working through title and escrow as well as familiarity with the NMTC program. This position is part of PCDC's Portfolio Management team and will report to the Senior Director of the team. Job Responsibilities:Oversee all aspects of NMTC compliance, including supporting initial NMTC eligibility and compliance tests for transactions, ensuring ongoing compliance throughout the seven-year compliance period and through the unwind in accordance with NMTC program standardsMaintain a thorough and up-to-date understanding of the tax and compliance requirements related to NMTC and monitor developments in the industry related to tax credit compliance. Disseminate knowledge to colleagues to inform Capital Investment practice and PCDC's NMTC program. Manage loan closing process for balance sheet loans once a commitment letter has been issued, including coordinating with internal PCDC teams such as Finance, external PCDC counsel, and borrower and borrower counsel Review loan documents to ensure consistency with internal approvals and commitment lettersEnsure all required due diligence items such as title and survey, environmental reports, appraisals, property condition reports and third-party contracts are reviewed and satisfactory prior to loan closing and disbursement of fundsMaintain a culture of quality customer service at all points of contact with internal and external clients, Capital Investment team, staff, board and committee members, lending partners and professionals.Ensure efficient and productive communication and coordination with the senior management and the entire lending team to ensure sound compliance practicesMay provide PCDC's consultant team with contracting supportAll other duties as assignedQualifications:Minimum of three years lending experience in community development and/or community facility financing, preferably with a CDFI or other community development lenderBachelor's degree in relevant field (Masters degree preferred)Paralegal certificate or degree preferredKnowledge of NMTC and CDFI Fund compliance and reporting requirements preferred Experience reading and understanding complex legal and related closing documents and NMTC projections Knowledge of, or commitment to, the health care industry and primary health care Strong oral and written communication skillsStrong interpersonal skills and proven ability to work effectively with a wide variety of people and organizations, and in culturally and ethnically diverse environmentsSelf-motivated, with a positive attitude, and ability to meet deadlines independentlyExcellent teamwork and strong time management skillsTo Apply:For immediate consideration, please apply on our website at https://www.pcdc.org/about-pcdc/career/ .For consideration, all applicants are encouraged to include a thoughtful cover letter, resume, and available start date.This position will be 100% remote (working from home). PCDC employees in the NYC metro area are requested to come to the office 1-2 times per month. We offer a competitive salary and comprehensive benefits package, including:MedicalDentalVisionHRASTD - company paidLTD - company paidLife Insurance - company paidVoluntary Life403(b) retirementFlexible Spending account (FSA) Dependent Care (DCA)Commuter BenefitsPaid Family LeaveGenerous paid vacation, sick and personal daysPaid holidaysEmployee Assistance Program (EAP)Public Service Loan Forgiveness (PSLF) application support.*Annual Salary range: $105K-$115K*No phone calls or staffing firms please.

Why join this team Join this collaborative team to assess the risk of lending activity, and offset risk by ensuring the recovery of funds using collection letters, calls and skip tracing to resolve delinquent accounts and mitigate losses in order to contribute to the financial soundness of UNFCU.It will also provide the opportunity to hone your negotiating skills.This position is hybridNYC Salary Range - $59,000 - $62,000 annually; compensation is commensurate to geographic location. What you'll do Regardless of seniority or role, uphold UNFCU's mission, core values, and guiding principles by providing an exceptional service experience to colleagues and members alike through consistent demonstration of our service excellence behaviors. Manage delinquency by working accounts in the assigned queue in LMS daily to reduce delinquency and apply funds to delinquent accounts; determine need for repossession and make appropriate recommendations to manager; utilize online collection systems and document all collection efforts and telephone calls; remove limits and/or place blocks on Visas and Lines of Credit; and update Visa default rates. Analyze member account portfolios and prioritize delinquent accounts; recommend accounts to be referred to attorneys and monitor collection activity; monitor payroll allocations. Communicate with members to notify them of past due loan payments in order to control delinquencies. Negotiate and make recommendations regarding loan workouts, deferments, and payment reductions. Provide courteous and professional service to UNFCU staff and members. What we're seeking Clear understanding of loss mitigation and delinquency management Proficiency in Microsoft Office Good negotiation skills and creativity in reducing losses Ability to organize work and set priorities Ability to manage relationships at all levels throughout the organization and with credit union membership What makes you stand out Collections experience in a financial institution collecting on Auto, Visa, LOC, HELOC and Mortgages Experience with FNMA and FreddieMac servicing requirements Who we are UNFCU is a global not-for-profit financial institution that serves the UN community. We are committed to providing peace of mind to our members and colleagues and strive to achieve service excellence in all that we do. The best part of UNFCU is the people. Those that choose to work with us often find personal fulfillment, professional growth and a purposeful culture. UNFCU is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. UNFCU prohibits discrimination and harassment of any type. All applicants will be considered for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by country, federal, state or local laws.

Bank Operations Data Analyst - Financial Institution experience required!Hybrid - 4 days in the office, 1 day remote for the 1st 45 days.$130,000 - $145,000 base + 7% bonus + benefitsOverviewReports to Vice President, Director of Bank Operations. Provide support for the departmental data owners relating to data quality, and process efficiencies (e.g. straight-through processing (STP)). Create a discipline within Bank Operations to:Support the Bank's Data Management Program by providing support for data owners and stewards relating to data quality,Provide meaningful reporting, Key Risk Indicators and Key Performance Indicators for each department supporting data driven decisions and STP.Eliminate reliance on other Group's data analysts and enhance existing staff's analytical skills to be data savvy / literacy by providing development opportunities.QualificationsExpert knowledge of multiple data analysis patterns & methods, including but not limited to: canned reporting; visualization; time series analysis; and dashboards.Expertise in multiple tools & technologies for data analysis & reporting.Superior aptitude for continually learning & gaining expertise in new methods & technologies.Expertise in writing SQL with the ability and desire to train others of varying knowledge.Expertise in writing own SQL to ANSI standards.Proficiency required in the following PC software: Access, Excel, and Word. Working knowledge of the needs of data science / modeling use cases and relevant tools. (e.g. Python, R)Expertise in querying data at any level of maturity (i.e. from raw to integrated to curated) in a data warehouse environment.Working knowledge of data governance capabilities (e.g. data quality, metadata management, data catalog, lineage) and their interdependencies with an enterprise data warehouse Skilled in drafting "desktop" guides relating to reports, KRIs, KPIs and queries, to be used for training and for other staff's benefit to run independently.Interpersonal skills:Autonomy in savvy partner engagement and relationship management.Confidence in raising opportunities for improvement to management for action.Eagerness and willingness to invest time with stakeholders to elevate their knowledge.A patient & adaptable approach to training colleagues of varying experience levels.A thought leader who seeks out new ideas & approaches and invites others to collaborate, not only within Bank Operations but also across the Bank.Proactively and creatively solves problems and seeks to own the resolution of issues throughout their lifecycle.Takes critical feedback in stride and adjusts approaches accordingly.Leads by example as a point of help and excellent customer service.Excellent written and oral communication skills required. Experience:Minimum of seven years of experience working as a data analyst for a financial institution. Working with financial data preferred, related experience in mortgage data (residential and income producing), loans, letter of credit, wire transfer, securities, etc.Essential Job Function: Responsible for user acceptance testing data driven testing and result review.Act as liaison to project manager and Data Management Office ("DMO") for data related efforts in support of projects, work efforts and DMO requirements for data quality / metrics.Create analyses, visualizations, and reports to assist management to make data driven decisions to reduce operational risk and to support innovation efforts.Provide support for the departmental data owners relating to data quality, and process efficiencies (STP) and lead specific efforts (e.g. root cause analyses, data remediation)Lead efforts across Bank Operations to become more "data driven" by being able to leverage data in decision making and to support continuous operational improvements as necessary.Ensure Bank Operations alignment / compliance with the Bank's Data Management Program on all fronts.Training of existing staff on data analytics on the Bank's chosen data management tools to increase staff's data "literacy" across Bank Operations.Strong understanding of operational process and controls to be able to provide suggested improvements in data flows, STP, etc. Seek to improve Bank Operation's data efforts with use of automation and analytics to achieve high quality results.Collaborates with IT on data solutions for Bank Operations.Prepares and verifies departmental management and regulatory reports.Responsible for preparation of metrics, including board reporting of KRI and KPIs, time series data and analytics relating to operational / transactional data sets (including any ad-hoc data reporting requests). Work with DMO to assist with Bank Operations data requirements in support of the data warehousing efforts. Analyze data within the BI universe for data quality, identify any issues and work with the business units to ensure the quality expectations are met.Train new users how to access reports as well as querying data.Define and manage data/reports that access the warehouse used by Bank Operations.Collaborate with the DMO and Operational Risk to identify end-user-computing solutions (EUCs) that can be replaced with enterprise data solutions.Other Duties:Successfully execute all other duties and responsibilities as assigned.Participate in special teams, project groups and committees as assigned, including System Wide committees and joint efforts.Education:Bachelor's degree in computer science / business. Comparable work experience in lieu of education will be considered.

Candidate will be responsible for the following tasks with respect to collateralized loan obligations (CLOs):Detailed analysis of CLO investments on a granular (underlying loan collateral) level, deal-level, portfolio-level and issuer (collateral manager) levelPerforming various cash flow analyses, for purposes of stress testing and calculation of fair values with respect to individual CLO investmentsProduction of periodic and ad hoc reports, presentations and other work product based on the analyses described aboveQualificationsAuthorized to reside and work in the United StatesBachelor’s degree or higher from an accredited university/collegePrior experience in finance (e.g., banking, investment banking, asset management)Detail-oriented and analytical, with the ability to process and manage large volumes of information/dataWorking knowledge of statistical conceptsSelf-motivated with ability to work independently as well as willingness to collaborate with other team membersAbility to manage multiple priorities and work under pressure to meet deadlinesAbility to organize and present work in a professional mannerCandidate must be proficient in the following applications/tasks:Microsoft Excel – writing/executing/editing macros (VBA), importing data via Bloomberg API and third-party add-ins, as well as creation/usage of pivot tables, graphsMicrosoft Access – storing and accessing massive volume of data compiled and processed each monthAbility to perform multi-scenario CLO cashflow analyses using third party cashflow models (we currently use CDONet by Moody’s Analytics)Bloomberg AnywhereCandidate should have at least a working knowledge of one or more of the following:Structured finance/securitization concepts (e.g., underlying collateral pools, subordination, credit enhancement, cash flows, amortization/WAL, etc.)Fixed income (e.g., bonds, floating/fixed rate coupons, discount margins, etc.)Credit (loans, ratings, credit risk, defaults/recoveries, etc.)The expected base salary ranges from $100,000 - $150,000. Salary offers are based on a wide range of factors including relevant skills, training, experience, education, and, where applicable, certifications and licenses obtained. Market and organizational factors are also considered. In addition to salary and a generous employee benefits package, successful candidates are eligible to receive a discretionary bonus.#WayUp#HybridOther requirementsMizuho has in place a hybrid working program, with varying opportunities for remote work depending on the nature of the role, needs of your department, as well as local laws and regulatory obligations.Company OverviewMizuho Financial Group, Inc. is the 15th largest bank in the world as measured by total assets of ~$2 trillion. Mizuho's 60,000 employees worldwide offer comprehensive financial services to clients in 35 countries and 800 offices throughout the Americas, EMEA and Asia. Mizuho Americas is a leading provider of corporate and investment banking services to clients in the US, Canada, and Latin America. Through its acquisition of Greenhill​, Mizuho provides M&A, restructuring and private capital advisory capabilities across Americas, Europe and Asia. Mizuho Americas employs approximately 3,500 professionals, and its capabilities span corporate and investment banking, capital markets, equity and fixed income sales & trading, derivatives, FX, custody and research. Visit www.mizuhoamericas.com.​​Asset Management One USA Inc. offers a competitive total rewards package.We participate in the E-Verify program.We maintain a drug-free workplace and perform pre-employment substance abuse testing.#LI-MIZUHO

JOB SUMMARY The role holder will be responsible for: Managing credit risk as part of the second line of defence ("2LoD") within the Specialised Finance ("SF") Risk for Corporate and Commercial and Institutional Bank ("CCIB") Financial Markets ("FM") businesses ("1LoD"). This opportunity will suit a Senior Credit Officer / Director profile with the relevant background and proven expertise in corporate cash flow lending, specifically Commercial Real Estate, leveraged finance / direct lending, asset-backed lending (asset-backed securitisation, margin financing); and fund financing (NAV). The wider global team also covers Project & Export Finance and Transportation (Shipping & Aviation financing) asset classes. The role will require you to: Will be involed in high volume deal screening and due diligence of new transaction requests from inception, with the ability to unpack complex situations or niche sectors to find out-of-box solutions, and value creation for clients. Having experience or previous exposure to underwriting and syndication standards, to there by be able influence structuring process Promote revenue growth whilst protecting against the downside risk by identifying the short- to medium-term risks. Act as the Credit Risk control owner under the Group's Risk Management Framework (including relevant Operational Risk Framework ownership for Credit Risk) and ensure a full understanding of the risk and control environment in area of responsibility. Credit approve 1LoD prepared credit applications and rating assessments using subject-matter expertise and manage a portfolio of unique counterparties with early-stage detection of credit deterioration Prepare and present periodic portfolio monitoring reviews with senior 1LoD stakeholders and senior 2LoD Risk partners. Awareness and understanding of regulatory framework in which the bank operates, and the regulatory requirements and expectations relevant to the role. Ensure that the relevant 1LoD and 2LoD owners understand and accept their risk management responsibilities, where risks are managed and risk-return trade-offs are made, in line with Credit Risk frameworks. Proactively seek for improvements in 2LoD and lead associated internal initiatives related to governance, regulatory, policy, or risk driven reporting. Ensure a robust effectiveness review process to Credit Risk and escalate significant matters and / or gaps in implementation to senior management and the relevant committees. Monitor compliance of approved risk appetite using the risk information reporting and highlight significant matters to the attention of senior management and senior risk committees. RESPONSIBILITIES Strategy Awareness and understanding of the Group's business strategy and model appropriate to the role. Business Awareness and understanding of FM and wider businesses, economic and market environment in which the Group operates. Processes Ensure effective management of the operational risks within the Risk and compliance with applicable internal policies, and external laws and regulations. Risk Management Ability to make credit decisions / recommendations with semi-complete information, but sufficient to form a sound, well-grounded credit view, in a compressed time schedule. Confident with stakeholder management and ability to express and communicate a credit opinion (written and orally). This will require getting their buy-in on credit recommendations (including the case when it is a negative recommendation). Independently recommend / approve transactions after reviewing credit and rating proposals in line with defined risk parameters, negotiated credit terms and documentation review. Dynamically manage a portfolio of asset classes and credit risk counterparties (often bespoke) in the global portfolio, understanding each client by geography, industry, and structural differences Have a relationship with Regulators Initiate stress tests as required by internal and external factors Act as the Credit Risk control owner under the Group's Risk Management Framework (including relevant Operational Risk Framework ownership for Credit Risk) and ensure a full understanding of the risk and control environment in area of responsibility. Obtain assurance regarding the effectiveness of the business controls and compliance with applicable laws & regulations. Governance Actively participate in key committees through standing membership / invites. Lead engagement with local Executive Risk Committees ("ERC") on SF Portfolio booked in the region. Represent Specialised Financing at the Regional Risk Committee. Formulate and obtain approval of Portfolio / Underwriting Standards which are supportive (from credit risk perspective) of the business strategy of various segments. Ensure effective implementation of Group Policies / Circulars / Procedures. Ensure timely submission and accuracy of Specialised Finance credit portfolio data to the Risk Committee. These include, but may not be limited to, the following: Risk MI reports. Specialised Finance exposures (as required by local regulator reporting). Details of approved breaches of Group and Local Credit Policy (including details of mitigating circumstances). Regulatory & Business Conduct Display exemplary conduct and live by the Group's Values and Code of Conduct. Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct. Demonstrate comprehensive knowledge of applicable PRA and local regulatory requirements. Risk capabilities are objective, consistent and compliant with PRA and applicable regulations. Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct and compliance matters. Key Stakeholders Internal Members of Group Chief Risk Office, Corporate, Commercial and Institutional Bank's ("CCIB") Risk teams Regional & Country Business, Product, Client Coverage Heads Regional & Country CEOs Group Heads of Control functions External Prudential Regulation Authority (PRA) Key regulators in relevant locations Group and country's external auditors Economic and Industry Associations Counterparts in major financial institutions Our Ideal Candidate Market Knowledge: Substantial experience at the highest level in the banking industry, including demonstrated success in similar role within the same product / business area. Leveraged Finance, CRE, Project Finance Risk Management and Control: Demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base. Strong understanding of credit risk, financial analysis and structuring, and their application in lending decisions for single counterparty credit risk appetite. This would be gained from an investment bank or a structured finance group of a major international organization Regulatory Framework and Requirements: Awareness and understanding of regulatory framework in which the bank operates, and the regulatory requirements and expectations relevant to the role. Non-technical Skills: Significant relationship management experience - with external stakeholders at the most senior levels, including regulators. Role Specific Technical Competencies CCIB Credit Risk Business Partnering About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 160 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we can't wait to see the talents you can bring us.Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations Time-off including annual, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum Flexible working options based around home and office locations, with flexible working patterns Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process. Expected annual base pay range for the role is 144,160 USD to 216,240 USD. The final offer will be determined on an individualised basis using a number of variables, including but not limited to skill set, depth of experience and education, internal relativity, and specific work location. At Standard Chartered Bank, Base pay is only part of the total compensation package. Discretionary variable pay and a range of attractive bank sponsored benefit programs are available and designed to foster employee overall health and well-being including, but not limited to, a best in class 401k plan with up to 8% employer match, robust medical plan coverage with employer funded Health Savings Accounts, inclusive family building benefits, and flexible/hybrid working arrangements for many of our positions subject to role specific considerations Visit our careers website www.sc.com/careers

Job DescriptionIf you're looking for a meaningful career, you'll find it here at Webster. Founded in 1935, our focus has always been to put people first--doing whatever we can to help individuals, families, businesses and our colleagues achieve their financial goals. As a leading commercial bank, we remain passionate about serving our clients and supporting our communities. Integrity, Collaboration, Accountability, Agility, Respect, Excellence are Webster's values, these set us apart as a bank and as an employer. Come join our team where you can expand your career potential, benefit from our robust development opportunities, and enjoy meaningful work!The primary role of the Credit Analyst is to partner with Portfolio and Relationship Managers in delivering a comprehensive suite of commercial banking solutions to Webster clients consistent with the Bank's credit policies and risk appetite. The Credit Analyst will support Senior Relationship and Portfolio Managers in underwriting new loan financings and managing the Healthcare portfolio. Responsibilities in this role include preparing quarterly and annual customer reviews, monitoring financial reporting and covenant compliance, financial spreading and maintenance of portfolio dashboards, preparing materials for Quarterly Portfolio Review, monitoring internal credit risk ratings, assisting with all facets of underwriting new deals for credit approval, preparing marketing materials for industry conferences, and supporting various client requests.This is a career development position for a highly motivated individual to receive critical hands-on experience, formal credit training, and opportunity to quickly assume additional responsibilities. The Credit Analyst will be expected to assume most of the portfolio management responsibilities of their own portfolio of accounts within 24 - 36 months depending on performance. The position will involve frequent direct contact with clients and product specialists to help execute new business in a fast-paced and time-sensitive environment. Accordingly, the expected career path for a strong performer who has developed sufficient expertise in credit and commercial lending can be promotion either through the portfolio management or relationship manager track.The Credit Analyst will be overseen by Senior Portfolio Managers and report to Business Unit Head. The successful candidate will be expected to have excellent analytical and communication skills.Responsibilities:Monitor, review and analyze client financial reports and covenant compliance.Review and spread financial statements according to the bank's methodologies and spreading and financial analysis tools.Assist in preparation of credit approval memos, annual and quarterly credit reviews, and other related credit requests (over time the analyst will be expected to generate this work independently).Model Cash Flows and perform sensitivity analysis for real estate and cash flow loans.Conduct industry research and analysis.Assist RM/PM in preparation of loan documentation and loan closing.Maintain credit files consistent with credit policy and integrity of the bank's data systems; perform documentation reviews.Participate in prospect and customer marketing calls and lender meetings.Participate in special projects on an as-needed basis.Requirements:Education - BS in Finance or Accounting. GPA 3.5.Experience:Preferred candidate will have 1-3 years direct relevant experience in commercial banking, commercial finance, or similar credit-oriented lending firm.Job Skills / Knowledge:Excellent financial and accounting analytic skills and attention to detail.Strong oral and written communication skills.Strong Excel and PowerPoint skills required. Experience with financial modeling is highly desired.Solid interpersonal skills and desire to interact with clients, colleagues, and senior management.Ability to work independently and on multiple projects with different members of the business team.The estimated salary range for this position is $65,000 USD to $85,000 USD. Actual salary may vary up or down depending on job-related factors which may include knowledge, skills, experience, and location. In addition, this position is eligible for incentive compensation.#LI-EM1#LI-HYBRID#ZRAll qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.