Credit Risk Analyst Salary in USA

DescriptionJob Summary• Accurately manage assigned segment of accounts while maintaining timely and professional communication with internal and external customers regarding the status and payment of open items. Meet or exceed collection goals on a weekly and monthly basis.Essential Duties and Responsibilities• Maintain accurate and reliable notes in aging workflow report and CMS• Understand benchmarks for collection goals and strive to meet or exceed goals on a weekly and monthly basis• Confirm customer receipt of high-value invoices via email phone or through electronic submission portals and ensure payment is forthcoming in accordance to policy• Work with internal and external customers to research and resolve outstanding issues in order to collect payment process adjustments or process credits and write-offs as applicable• Request tax certificates as needed • Process lien wavers as applicable• Process credit card payments and set customers up for ACH payments as needed• Process monthly account statements• Manage collection team emails and hotline callsOther duties assigned as neededSkills and Abilities • Demonstrate time management skills with attention to detail • Detail oriented and capable of analyzing complex financial/operational data• Intermediate/Advanced proficiency in PC/Microsoft applications (Excel Access Word)• Demonstrated experience using pivot tables in Excel • Ability to negotiate conflict and maintain constructive working relationships with people at all levels of the organization • Self-starter capable of working independently and ensuring to meet deadlines • Excellent communication and interpersonal skills both verbal and written • Ability to balance multiple tasks with changing priorities • Ability to exercise solid judgment with sound problem-solving and decision-making skills• Proficiency in Microsoft Office applications (Word Excel Outlook)Education and/or Experience • Minimum High school diploma or equivalent• Bachelors' degree in Accounting Finance Business or related field preferred• Minimum 1 - 2 years' experience in Accounts receivable or business-to-business collections• Experience in Construction industry collection is a plus • Experience operating in a multi-state and/or complex matrix business environment EWorking Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job operates in a professional office environment. This role uses standard office equipment such as computers phones photocopiers filing cabinets and fax machines. The work environment is generally moderate in noise (inter-office conversations

Wintrust is a financial holding company with approximately $50 billion assets under management and traded on the NASDAQ:WTFC. Built on the "HAVE IT ALL" model, Wintrust offers sophisticated technology and resources of a large bank while focusing on providing service-based community banking to each and every customer. Wintrust operates fifteen community bank subsidiaries with over 170 banking locations in the greater Chicago and southern Wisconsin market areas. Additionally, Wintrust operates various non-bank business units including commercial and life insurance premium financing, short-term accounts receivable financing, out-sourced administrative services, mortgage origination and purchase, wealth management services and qualified intermediary services for tax-deferred exchanges.Why join us?An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 10 years) and Employee Recommended award by the Globe & Mail (past 6 years).Competitive pay and discretionary or incentive bonus eligible.Comprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a fewPromote from within culture.Why join this team?Be part of a strong, mature, risk management governance framework.Hybrid Work Schedule – Split your time working remotely and at our Corporate Headquarters in Rosemont, IL or Countryside, IL location.We foster an inclusive environment for an individual to grow and work independently.Opportunity to interact with management level, experienced professionals - higher visibility.Wintrust has a great culture that comes from the top down.Gain experience and further your career by joining a growing organization.Position OverviewThe Credit Review Specialist is part of the Credit Review Team functioning as an independent second line of defense reporting to the VP Credit Review Group Manager. The Credit Review Specialist will conduct a systematic review of commercial, small business, specialty, or consumer loan portfolios to determine the accuracy of risk identification in the loan portfolio as well as the adequacy of documentation, administration, credit quality and loan performance.  In addition, the Credit Review Specialist will prepare business unit reports and other reports related to other bank wide credit risk related issues.What You’ll DoParticipate in the overall assessment of portfolio credit quality.Assess risk rating accuracy, timeliness of grade changes and appropriateness of supporting rationale.Ensure loan underwriting standards adhere to Wintrust policy and procedures, and policy exceptions are appropriate and mitigated effectively.Review loan documentation, collateral documentation and other credit administration and monitoring for adherence to Wintrust policy and procedure and to all relevant laws and regulations, as well as alignment with credit approval. Manage and/or co-manage internal loan review engagements.Perform continuous monitoring of assigned portfolios.Work with senior management to regularly update the loan review policies and procedures.Ensure adversely classified assets are identified and have appropriate action plans in place.Effectively listen and communicate with loan officers, business unit managers, senior Wintrust leadership, appropriate internal committees, external auditors and all regulatory bodies.QualificationsBachelor’s degree in accounting, Finance, Economics, or a related discipline.Credit professional with at least five years of commercial credit experience, preferably with a background in commercial credit underwriting, credit risk management or loan/credit review.Strong credit analytical skills and credit process knowledge. Knowledge of the banking industry and regulatory guidelines as they relate to credit review and credit risk management practices.Experience in specialty lending niches such as leveraged loans, franchise lending, leasing, asset-based lending, insurance, etc.Successful completion of a formal credit training program preferred.Previous loan/credit review experience preferred.BenefitsMedical Insurance • Dental • Vision • Life insurance • Accidental death and dismemberment • Short-term and long-term Disability Insurance • Parental Leave • Employee Assistance Program (EAP) • Traditional and Roth 401(k) with company match • Flexible Spending Account (FSA) • Employee Stock Purchase Plan at 5% discount • Critical Illness Insurance • Accident Insurance • Transportation and Commuting Benefits • Banking Benefits • Pet Insurance#LI-HYBRID#LI-VB1From our first day in business, Wintrust has been proud to serve a variety of unique communities and people from all walks of life. To be Chicago’s Bank and Wisconsin's Bank, we need to reflect that diversity both in all the communities we serve, the people we employ, the organizations we work with, and our banking and lending practices. Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, sex, sexual orientation, gender identity and expressions, genetic information, marital status, age, disability, or status as a covered veteran or any other characteristic protected by law.

Job TitleCredit Risk Management DirectorLocationKansas City, KansasDescriptionDevelop and manage the cooperative-wide customer credit risk function within Dairy Farmers of America, Inc. (DFA). Perform analysis and assessments across DFA’s varied business units to ensure appropriate development of DFA’s credit risk profile as well as the timely identification of significant and emerging credit risks. Oversee the ongoing credit risk analysis of the overall portfolio of trade A/R accounts that DFA sells product to on a regular basis. Balance the opportunities to meet growth goals with the risk of extending credit to customers, and finding mutually acceptable solutions to do so. Is viewed as a trusted advisor and expert to senior management, executives, and various stakeholders on credit risk-related subject matter and concerns, mitigation strategies, and resolution plans.Job Duties and Responsibilities:Develop and lead the implementation of effective and consistent credit policies and procedures to be used across the cooperative to evaluate the creditworthiness of customers, in a manner that is understandable to the sales/broker/accounts receivable network as necessary.Conduct thorough credit assessments of new and existing customers, considering financial statements, credit reports, and other relevant information, collaborating with sales and other business divisions to assess and establish credit limits for customers based on risk analysis for all entities within the DFA organization.Monitor and manage credit exposure, identifying potential risks and implementing strategies to mitigate them, ensuring that customer credit status does not develop the potential for exposure after customer set-up. Frequency and scope determined by size of customer.Solve for ways to review cross-business customers on different systems to ensure that credit limits are split between businesses appropriately and that terms are consistent within the cooperative.Continuously review and update credit policies, processes, and system enhancements to align with industry best practices and regulatory requirements, and to maximize the efficiency and effectiveness of the cooperative credit risk management policy.Assist accounts receivable, sales, accounting, and legal organizations across the cooperative in an advisory capacity with matters related to customer bankruptcy or recommendations on how to position an account and manage collections to avoid negative bankruptcy impacts.Travel to account locations, as needed, to review their financial statements, meet with senior management members, and seek clarification that will lead to a positive outcome for DFA.Determine and implement appropriate credit insurance policies and other risk mitigation tools to protect the company's interests, and manage the relationships with third party providers of those tools.Drive development and implementation of strategies to minimize bad debt losses.Collaborate with customers and accounts receivable personnel, combining a thorough grasp of financial, credit risk, and customer relation skills, to find mutually beneficial solutions to managing risk and/or in case of payment issues.Work with facility locations as it relates to holding orders and shipping upon release to ensure that customer and facility needs and timing are both met.Generate regular reports on key credit management metrics and provide insights to senior management.Lead the initiative to improve decision strategies by working with all cooperative credit teams as the subject matter expert to create appropriate credit risk scoring strategies and tools, including securing credit through credit insurance, letters or credit, or other options.Work with stakeholders to set tolerances for key risk indicators to match the current risk strategy. Ensure a sound credit risk control environment by providing insight on effective ways to proactively manage negative risks and encourage positive risksWork closely with DFA Farm Services businesses to assist them with the determination of the appropriate Forward Contracting and loan offerings based on credit exposure for each of their customers.Analyze credit data to identify trends and recommend improvements in credit-related processes.Ensure compliance with relevant laws, regulations, and industry standards related to credit management.Keep abreast of changes in regulations and update credit management practices accordingly.Contribute to risk committee discussions, providing insights on credit risk matters.Lead and/or become actively involved as needed for the most complex, highly visible, or critical circumstances.The requirements herein are intended to describe the general nature and level of work performed by employee, but is not a complete list of responsibilities, duties, and skills required.Other duties may be assigned as requiredRequirementsMinimum Requirements:Education and ExperienceBachelor's degree in Finance, Accounting, Business Administration, or a related field. Master's degree or professional certification (e.g., CCE, CBF, CICP10 or more years of experience with a proven track record in credit management and accounts receivable with continually advancing responsibility within the field of credit risk managementSAP or JDE experience a plusCertification and/or License – N/A Knowledge, Skills and AbilitiesExpert-level knowledge and application of credit laws, regulations, and industry best practicesStrong analytical and decision-making skills, with the ability to seek out information, assess, and manage credit risk effectivelyExcellent communication and interpersonal skills for building relationships with both internal and external stakeholdersStrong-to-excellent communication skills (verbal and written); able to share expertise with othersProficiency in using credit analysis tools and financial softwareAble to obtain and interpret every aspect from financial statements to determine an appropriate credit limit that will not place DFA at riskAble to self-start and handle multiple tasks successfullyAble to manage and lead others through changeForward thinker who actively seeks opportunities and proposes solutionsAble to consider both strategic and practical implications for proposed course of actionHighly skilled at building trust and influence, driving for results with and through peopleHighly detailed process-driven leader with the ability to hold others accountable for resultsEnergetic and enthusiastic with a positive attitudeMust be able to read, write and speak English An Equal Opportunity EmployerPay Range

DESCRIPTIONPlay a leading role in operational risk improvement at Amazon.com, where we have a tradition of leading the world in innovative technologies and services. Amazon is seeking an experienced Senior Risk Analyst who will manage bodily injury claims for Amazon’s global transportation program. Within the Risk Management Team, a successful candidate will support and report to a Senior Risk Manager and be enthusiastic about driving change, enjoy working hard, and being continually challenged. Your focus will be on claims management, process improvement, and TPA oversight. Duties may include, but are not limited to, the following: Key job responsibilities• Provide oversight on the management of litigated and non-litigated bodily injury claims.• Develop claims strategy and action plans in conjunction with counsel, TPA’s, and insurance companies.• Work closely with TPA partners to drive continuous improvement while supporting simplicity, efficiency, and cost containment.• Partner with and direct external vendors and partners on innovative claims handling and initiatives that support simplicity and contain costs while enhancing the customer experience. • Serve as a claims subject matter expert for TPA partners and internal teams.• Leverage subject matter expertise to deep dive claim processes, challenge status quo, and develop impactful solutions.• Collaborate with internal and external teams to accomplish shared goals.• Support internal audits to ensure quality and compliance are in accordance with client service instructions and performance expectations.• Partner with vendors to develop and/or update standard operating procedures that align with program goals.• Utilize and develop metrics to make data driven decisions for process evaluations and recommendations.• Work across teams to share ideas, influence change, and deliver projects results. We are open to hiring candidates to work out of one of the following locations:Arlington, VA, USA | Austin, TX, USA | Nashville, TN, USA | New York, NY, USA | Seattle, WA, USABASIC QUALIFICATIONS• 5+ years experience adjudication of moderate to complex bodily injury claims • Robust understanding of the litigation process and claims handling from inception to resolution. PREFERRED QUALIFICATIONS· ARM, CPCU, or similar designation. · Strong understanding of commercial auto insurance policies.· Understanding and hands on experience with complex logistics claims.· 3+ years experience in transportation claims management, including fleets or large auto claim programs.· Active adjuster license.Amazon is committed to a diverse and inclusive workplace. Amazon is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. For individuals with disabilities who would like to request an accommodation, please visit https://www.amazon.jobs/en/disability/us.Our compensation reflects the cost of labor across several US geographic markets. The base pay for this position ranges from $59,300/year in our lowest geographic market up to $142,800/year in our highest geographic market. Pay is based on a number of factors including market location and may vary depending on job-related knowledge, skills, and experience. Amazon is a total compensation company. Dependent on the position offered, equity, sign-on payments, and other forms of compensation may be provided as part of a total compensation package, in addition to a full range of medical, financial, and/or other benefits. For more information, please visit https://www.aboutamazon.com/workplace/employee-benefits. Applicants should apply via our internal or external career site.

Looking for: Insurance Risk AnalystJob Type: Full timeLocation: Chicago, Illinois - Hybrid modelWhat You'll doWe are seeking a highly motivated individual to join our team as an Insurance Risk Analyst. In this role, you will be responsible for assisting in the development and maintenance of risk rating models, utilizing your quantitative, actuarial, or statistical background. You will work closely with senior analysts to analyze data, build and validate models, and provide insights to support decision-making processes for our insurance company members.How you'll make an impact:• Contribute to the on-going support, development and implementation of risk rating models for insurance Members, ensuring accuracy and efficiency in data analysis to support informed decision-making processes.• Collaborate with cross-functional teams to gather data and insights, staying updated on industry trends and regulatory requirements, and recommending necessary changes to enhance model performance.• Assist in underwriting and preparing of comprehensive reports covering financial condition, trend, and prospects of members and prospective members, thereby supporting the Bank in managing credit risk effectively.What you can expect:• Develop and support internal models for assessing credit risk and assigning risk ratings for our life and property & casualty insurance members.• Maintain credit models, as well as support department analytics of large financial data sets• Utilize Excel VBA to build and automate models, ensuring accuracy and efficiency in data analysis.• Conduct statistical analysis and data mining to identify trends and patterns in credit risk.• Collaborate with cross-functional teams to gather data and insights to enhance model performance.• Stay updated on industry trends and regulatory requirements related to credit risk modeling.• Provide support in the preparation of reports and presentations as well as ad hoc analysis for senior management and third parties (such as regulators).What you'll bring:• Bachelor's or Master's degree in Mathematics, Actuarial Science, Statistics, or some other analytical field• 1-4 years of experience in insurance analysis required• Experience with insurance organizations and statutory accounting is desired including but not limited to previous experience in credit underwriting or financial analysis, preferably in the insurance industry.• Familiarity with regulatory filings, statutory accounting principles, and financial modeling.• Experience with SNL Financial or similar financial data platforms.• Strong analytical skills with the ability to interpret complex data sets.• Knowledge of the insurance industry and understanding of credit risk principles.• Excellent interpersonal communication skills (written, oral, and listening) are required.• Attention to detail and commitment to producing high-quality work.• At ease working within a team-based environment.• Time management and an ability to display curiosity and initiative are necessary.• Tableau, VBA, R, SNL and Bloomberg experience is a plus• Familiarity with MS Office Products Required (Excel, Outlook, Access, and Word)

The Senior Analyst, Credit Risk will conduct in-depth financial analysis for Broadstone Net Lease. This position will support the timely and accurate production of detailed financial analysis and prepare and present financial reports, findings, and recommendations to inform decision making. The ideal candidate will be experienced in financial statement analysis and evaluation methods; have excellent writing, presentation, and interpersonal skills; be able to communicate and work well with internal colleagues and external tenants at all levels; and desire to advance one's and others' knowledge through data analysis. Essential Job Duties & Responsibilities:Complete comprehensive analysis on prospective and existing tenants to identify trends, measure performance, assess financial strength, and identify potential risksCompare financial statements of tenants being evaluated with those of similar establishments in the same industries and marketsMaintain financial reports that summarize the overall financial position of the tenant portfolioTrack industry trends and tenant newsTranslate data into clear, concise written and verbal presentations of findings, analyses, and recommendations to senior managementBuild and maintain tenant relationshipsIn collaboration with VP, Credit Risk prepare applicable portfolio credit information to be included in various Board of Director and Investment/Portfolio Review Committee reportingPerform sensitivity analysis to assess how variations in modeling assumptions impact the tenant's financial performanceInterface closely with finance, underwriting, acquisitions, and property management team members Develop and improve tenant financial analysis tools, procedures, and reportsExecute duties and maintains standards in accordance with company policies and proceduresAssume additional duties as requiredOvertime hours may be required as job duties demandSkills/Qualifications:High proficiency in MS Office Suite (Word, Excel, Outlook, PowerPoint) with advanced Excel skillsStrong financial analysis skills with an in-depth ability to read, evaluate, and understand internal and audited financial statements and SEC filingsStrong quantitative and qualitative analysis, data manipulation and due diligence skills, with the ability to apply data management skills to complex business situationsKnowledge of financial ratio analysis and GAAP accountingUnderstanding of finance, real estate, and capital markets terms and conceptsExtremely detail-oriented with excellent organizational and planning skillsExperienced information gathering and information monitoring skillsExcellent verbal and written communication and presentation skills with ability to effectively present data and findingsEffective decision-making skills and an ability to perform under deadline pressureAble to prioritize and work on multiple analytical projects in a timely mannerWork well independently and on a teamSelf-starter, but not hesitant to ask for direction as neededEducation/Experience:Bachelor's degree in finance, accounting, or related field from a four-year accredited college or university required3+ years of commercial credit underwriting experience requiredCommercial REIT experience a plus Experience with Moody's Investors Service, and/or S&P tools a plusExperience with MRI Real Estate Software and/or Power BI a plusOur employees are our most valuable assets. To reward their commitment, we strive to provide a competitive and flexible mix of total rewards that have their best interests in mind and enhance our employee-centric culture. The base salary range for this role is: $70,000 - $85,000. This range is Broadstone's good faith estimate of the annual base salary it reasonably expects to pay for the position at the time of this posting. There are several factors taken into consideration in making compensation decisions including but not limited to the individual's experience, skillset, relevant education & certifications, job-related knowledge, location, and other relevant factors identified through the recruitment & selection process.The stated salary range does not include other forms of compensation or benefits offered in connection with the advertised role, such as performance-based cash bonuses and restricted stock grants. To learn more about Broadstone's comprehensive total rewards visit www.broadstone.com/careers.

So, what's the role all about?The purpose of the Credit & Collections Analyst is to collect on large balance, past due, commercial customers. Also responsible for the review and release of pending orders for new services, and to process and manage accounts placed with 3rd party agencies.How will you make an impact? Enter adjustments on customer accounts specific to write-offs, settlement arrangements, and bankruptcy claims. Process one-time payments on customer accounts. Add reactivation fees, bill reprint fees, and collection fee charges on customer accounts. Monitor and manage charge-back notices, returned check payments, and declined credit card payments. Deactivate delinquent accounts to minimize exposure and potential losses. Review orders for new and existing customers to assign the appropriate credit terms and credit classifications. Conduct business to business commercial collections in adherence to the FDCPA (Fair Debt and Collections Practices Act) and internal credit and collections policies. Responsible to work from manual lists, make and take outbound and inbound calls, and engage in clear and concise collections correspondence by email. Have you got what it takes? A high School diploma is required. Associate degree or some College is preferred.5 - 7 years of strong hands-on experience in Java/J2EE 2-3 years of B2B collections. Proficient with Windows PC environment, Excel, and experience with MS Office products. You will have an advantage if you also have: High-risk collections, customer service, and experience with Dun & Bradstreet. Experience in Tableau What's in it for you?Join an ever-growing, market-disrupting, global company where the teams-comprised of the best of the best-work in a fast-paced, collaborative, and creative environment! As the market leader, every day at NICE is a chance to learn and grow, and there are endless internal career opportunities across multiple roles, disciplines, domains, and locations. If you are passionate, innovative, and excited to raise the bar constantly, you may just be our next NICEr!Enjoy NICE-FLEX! At NICE, we work according to the NICE-FLEX hybrid model, which enables maximum flexibility: 2 days working from the office and 3 days of remote work, each week. Naturally, office days focus on face-to-face meetings, where teamwork and collaborative thinking generate innovation, new ideas, and a vibrant, interactive atmosphere.About NICE ActimizeNICE Actimize is the largest and broadest provider of financial crime, risk, and compliance solutions for regional and global financial institutions, as well as government regulators. Consistently ranked as number one in the space, NICE Actimize experts apply innovative technology to protect institutions and safeguard consumers' and investors' assets by identifying financial crime, preventing fraud, and providing regulatory compliance.Requisition ID: 4058Reporting into: VP of FinanceRole Type: Individual Contributor

Risk AnalystCollege Board - Risk ManagementLocation This is a fully remote role. Candidates who live near CB offices have the option of being fully remote or hybrid (Tuesday and Wednesday in office). Type: This is a full-time positionAbout the TeamThe Information Security Governance Risk and Compliance (ISGRC) team at the College Board checks and certifies the College Board's Information Security Programs. Our mission is to provide our stakeholders with meaningful insights that continuously improve the risk posture across the organization.ISGRC partners work with business leads to perform necessary security reviews of policies, systems, contracts, and vendors to better understand and manage risk. The team also manages security policies, security awareness training, and industry-recognized certifications (ISO 27001, SOC2 and PCI-DSS).About the OpportunityAs a Security Risk Analyst, you will have the critical role of being responsible for evaluating and managing exceptions to IT security policies, for managing the Organization's Risk and Control Issues Register (Risk Register), and for developing reports and metrics.Your strong technical communication and negotiation skills will help you build relationships and collaborate with diverse stakeholders and reduce risk to the organization and ensure compliance.Under the direction of management, you will manage the Risk Register and perform security policy exceptions to help the College Board understand its critical risks.In this role you will:Manage the Risk Register (20%)Leads the management of the issues and risks and quickly escalates any untimely completion of audit actions.Works independently to communicate risks and works with others to problem-solve risks to tolerance levels based on data and evidence.Maintains data quality of Risk Register and executes any required data clean-up exercises.Understands College Board work to be able to drive Risk or Control Owners to ensure consistent application of policies and standards.Raises awareness about Risk & Control Issues, Policy exceptions, and available risk reduction options.Fosters a culture of risk awareness and compliance within the technology department and across the organization.Manage Policy Exceptions (65%)Independently analyzes policy exception submissions and provide risk assessment reports for critical service lines, applications, and infrastructure hosted on-prem and in the cloud.Evaluates and manage exceptions to IT security policies.Manages materials for the Exception Review Board and present exception information to executive leadership and senior team members.Maintains an up-to-date knowledge and understanding of IT security policies and principles.Maintains a customer-focused attitude in all interactions with customers and colleagues.Manage Metrics and Reporting (15%)Provides weekly and monthly reporting for the Risk Register and policy exceptions.Produces trending metrics and escalate exceptions.Performs other duties as assigned.About You5-7 years of experience managing or supporting IT Security Risk and Control Risk Register and processing policy exceptions.Strong understanding of risk management techniques such as: risk identification, risk scoring, risk mitigation, and risk tracking.The proven ability to lead conversations balancing risk and multiple business needs that result in positive outcomes with multiple stakeholders.The capacity to assess risk information and make risk recommendations independently.Strong organization and prioritization skills and the proven ability to manage multiple tasks simultaneously, both independently and as a member of the team.7-10 years of experience in information security; governance, risk, and compliance; and/or information technology projects.Excellent verbal and written communication skills.Experience with governance, risk, and compliance tools (e.g., RSAM, RSA Archer) preferred.Experience with information security and privacy frameworks such as ISO 27001, COBIT, NIST-CSF, NIST 800-53, GDPR etc.Current Information Security Certification (e.g., CISSP, CRISC, CISM, CISA, or related security certification) preferred or the ability to attain one within 6 months of hire.Bachelor's degree in computer science, cybersecurity, engineering, IT management or four years equivalent IT and security industry experience.For remote positions, ability to travel 4 times a year to our Reston, VA office.Authorization to work for any employer in the USAAbout Our ProcessApplication review will begin immediately and will continue until the position is filledWhile the hiring process may vary, it generally includes: resume and application submission, recruiter phone screen, hiring manager interview, performance exercise and/or panel interview, and reference checks. This is an approximately 8-week processAbout Our Benefits and CompensationCollege Board offers a competitive benefits and compensation program that attracts top talent looking to make a difference in education. As a self-sustaining non-profit, we believe in compensating employees equitably in relation to each other, their qualifications, their impact, and the relevant market.The hiring range for a new employee in this position is $72000 to $120000. College Board differentiates salaries by location so where you live will narrow the portion of this range in which you can expect a salary.Your salary will be carefully determined based on your location, relevant experience, the external labor market, and the pay of College Board employees in similar roles. College Board strives to provide our best offer up front based on this criteria.Your salary is only one part of all that College Board offers, including but not limited to:A comprehensive package designed to support the well-being of employees and their families and promote education. Our robust benefits package includes health, dental, and vision insurance, generous paid time off, paid parental leave, fertility benefits, pet insurance, tuition assistance, retirement benefits, and moreRecognition of exceptional performance through annual bonuses, salary growth over time through market increases, and opportunities for merit raises and promotions based on increased scope of responsibilityA job that matters, a team that cares, and a place to learn, innovate and thriveYou can expect to have transparent conversations about benefits and compensation with our recruiters throughout your application process.#LI-Remote#LI-MD1

About Linde: Linde is a leading global industrial gases and engineering company with 2023 sales of $33 billion. We live our mission of making our world more productive every day by providing high-quality solutions, technologies and services which are making our customers more successful and helping to sustain and protect our planet. The company serves a variety of end markets including aerospace, chemicals, food and beverage, electronics, energy, healthcare, manufacturing, and primary metals. Linde's industrial gases are used in countless applications, from life-saving oxygen for hospitals to high-purity & specialty gases for electronics manufacturing, hydrogen for clean fuels and much more. Linde also delivers state-of-the-art gas processing solutions to support customer expansion, efficiency improvements and emissions reductions. For more information about the company and its products and services, please visit www.linde.com. Job Overview: Reporting to the Associate Director, Credit and Collections this position is responsible for daily administrative and financial review for an assigned portfolio. Building solid and professional relationships internally and externally is a requirement of this position. Solving problems that involve multiple groups and processes is a central theme in this role and being able to multi-task in a professional manner is necessary. Primary Responsibilities: - Review all open balances daily and work with customers to resolve payment related problems with the goal of influencing customers in a positive way. - Work with other internal partners to resolve process related issues that prohibit customers from paying Linde as agreed. - Manage daily activities to ensure all credit procedures, Internal Controls and policy are followed and adhered to. - Deliver continuous improvement in portfolio results month over month - Monitor portfolio risk and report as necessary - Create and run various AR analysis reports to assist in monitoring and collecting receivables. - Create professional relationships with sales and customers to encourage on time payments. - Seek to improve credit/collections process by working with the Billing team to ensure on time and meticulous billing. - Ongoing review of Terms of payment by customer and work to reduce Linde's exposure related to extended terms - Be willing to work extended hours, as needed. - Be willing and able to meet all deadlines. Qualifications: - Bachelor's degree in Finance, Accounting or Business with Financial Analysis skills preferred. - Strong computer aptitude including proficiency in Microsoft Excel and Database concepts. - Extremely detailed oriented with strong organizational and analytical skills. - Experience with reading and understanding legal contract language a plus - Excellent interpersonal and communications skills At Linde, we strive to create a work environment that treats all employees with respect, supports new thoughts and ideas, encourages growth and development, celebrates our differences, and embraces inclusion. Linde is committed to remaining an employer of choice for the diverse, ever-increasing pool of global talent. To learn more, visit About Linde. We offer a comprehensive competitive benefits package including paid holidays and vacation, health, dental, disability, life insurance, 401(k) (with matching), and pension benefits. Linde thanks all applicants in advance for their interest; however, only those applicants who are being considered for an interview will be contacted. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, protected veteran status, pregnancy, sexual orientation, gender identity or expression, or any other reason prohibited by applicable law. Pay Range: 60,000 - 80,000

Natixis currently hiring a Credit Risk Officer (Vice President) who will primarily focus on Corporate and Structured Finance in North Americas, with a focus on Aviation and Infra Finance. He/she/they will be responsible for preparing credit risk opinions and market & financial analyses of clients in the Americas with respect to the transactions proposed by the front office groups in the bank and/or Annual Reviews for existing transactionsResponsibilities include the following:Prepare credit risk opinions, market & financial analyses of clients in the Americas with respect to the transactions proposed by the front office groups in the bank (business lines: Corporate and Structured Finance transactions in the Americas: Infrastructure Finance, Aviation Finance, Corporate and Trade Finance.Strengthen market knowledge of the different industries and transaction structures in which the bank focuses on.Monitor a selected subset of the portfolio by writing detailed credit risk opinions (credit risk opinions in connection with Annual Reviews, Quarterly reviews and Watchlist Fiches, Amendments, waivers and One-Off type requests) applicable to the selected subset of the portfolio being followed.Contribute to the enhancement of the credit risk processes and templates being used by the bank.Report any credit events that may result in a breach of covenant or credit risk deterioration of the underlying borrower and/or industry.Assist in writing selected portfolio updates on topics of interest to general management of the bank.Follow up credit risk processes in line with Lending Policy requirements until and after credit approval is obtained.Credit Risk Process involving new proposed exposures:Identify and evaluate credit risks related to a new proposed client for one or more of the following sectors: Corporate and Structured Finance (Infrastructure & Project Finance, Aviation and Trade Finance)Write credit risk opinions related to new transactions, annual/quarterly reviews, waiver and amendment requests according to lending policy requirements.Perform industry studies and run/request financial model sensitivities when applicable to support credit risk analysis and associated credit risk recommendation to senior management.Work closely with various other groups of the bank such as Front Office Origination, DRAS (Workout), AMP (Portfolio Management), Loan Review, and Credit Surveillance & Analytics in particular.Maintain constructive relationships with various business unit contacts to ensure responsiveness and appropriate prioritization for the pipeline of requests for on-boarding of new counterparties. Work in close coordination with Front Office and Syndication Teams in NYFollow up credit risk processes in line with Lending Policy requirements until and after credit approval is obtained.Make presentations to senior management and credit committees.Portfolio Monitoring of existing exposures:Monitor credit performance of a portfolio of existing accounts.Write credit risk opinions in connection with Annual Reviews, Quarterly reviews and Watchlist Fiches, Amendments, waivers and One-Off type requests applicable to the selected subset of the portfolio being followed.Follow credit events such as covenant breaches and process credit alerts that are being generated by the systems.Maintain valid and updated internal and regulatory ratings as well as watchlist levels.Requirements:Bachelor's degree in Finance or related field is required. MBA in Finance or related field is desired. Knowledge of the banking system and financial products / financial instruments such as medium to long-term loans, trade finance, structured finance, and capital markets. Working experience in the various sectors or industries where the bank focuses on :Aviation, Renewable Energy, Project Finance, Transportation, Corporate and Trade Finance is desired. In-depth knowledge and understanding of credit risk analysis and cash flow modeling is desired. 6+ years' experience in a credit risk or front office department in a bank, insurance or large company is required Open minded, hard-working, committed to meeting deadlines, thorough and detailed, and teamwork oriented MS Office (Word, Excel, PowerPoint, Outlook)Natixis is an equal opportunity employer, committed to a workplace free of discrimination. Natixis will not tolerate any form of discrimination based on age, color, mental or physical handicap or disability, pregnancy, marital status, sexual orientation, national origin, alienage, ancestry or citizenship status, race, religion, sex (including sex stereotyping, gender identity, gender expression or transgender status), veteran status, creed, genetic information or carrier status, or any other protected characteristic as established by law. Respect for all means that we deal with each person as an individual and not as a member of any group. All qualified applicants will receive consideration for employment. Management is expected to provide leadership in supporting the firms EEO program by taking steps to promote EEO in all facets of employment including recruitment, hiring, retention, promotion, performance assessment, and career-development opportunities. The salary range at the VP-level for this position will be between $145,000 - $175,000. Natixis is required by law to include a reasonable estimate of the compensation range for this role. Actual base salary will vary and will be based on several factors including, but not limited to, relevant experience, education, skills set, applicable licensure and certifications, and other business and organizational needs. Base salary is only one component of our total rewards package. Natixis also offers a generous benefits package, and you may be eligible for a discretionary incentive award depending on company and individual performance.