Credit Counselor Job Description Sample
Early Stage Credit Counselor
Job Description Early Stage Credit Counselor Hours of Work: Monday thru Friday 8am-430pm, 1230pm
9pm one of the days of the week and every other Saturday 8am to 12noon. Basic Function: Responsible for working with customers up to 30 days delinquent to arrange for payment alternatives to resolve past due situations, thereby reducing bank risk and maintaining relationships. Must adhere to the requirements of federal registration under the SAFE Act
Candidate may perform any or all of the following in front-end collection functions:
Initiate contact with consumer borrowers via AutoDial handling the early stage of accounts, assessing the prospect of repayment, and arranging repayment schedules or other solutions such as: Loan Workout, Alternative Lending, CCCS, Reages, or Extensions.
Handle inbound calls from various internal departments as well as customers. Respond to questions regarding all Consumer products that are under 45 days delinquent.
Identify suspect situations (i.e. fraud, lack of insurance) and escalate issues to management.
Utilize internal collections systems and accounting systems for all loan types. Identify and resolve problematic account situations where appropriate referring more complex problems to the Supervisor and understand the workflow necessary for account maintenance/corrections.
Refers possible repossessions to Supervisor for review and approval.
Compiles information and analyzes the account files for repossession recommendation.
Perform additional duties as requested by management.
Works under direct supervision.
Results/actions have the ability to impact the individual.
Has regular contact with Bank customers.
Â· High School diploma or GED Â· Minimum one year customer service experience Â· Typing or keyboard proficient Â· Ability to communicate effectively and professionally over the phone Â· Good customer service skills Ideal
Â· Previous collection work experience Â· Knowledge of State and Federal regulations and Bank policy for all states that the Bank conducts business in Â· Bilingual in English and Spanish
? At Kelly Services ® , we work with the best. Our clients include 95 of the Fortune 100 ™ companies, and more than 70,000 hiring managers rely on Kelly annually to access the best talent to drive their business forward. If you only make one career connection today, connect with Kelly.
® As a workforce advocate for over 70 years, we are proud to directly employ nearly 500,000 people around the world and have a role in connecting thousands more with work through our global network of talent suppliers and partners. Revenue in 2016 was $5.3 billion. Visit kellyservices.com and connect with us on Facebook , LinkedIn and Twitter . Kelly Services is an equal opportunity employer including, but not limited to, Minorities, Females, Individuals with Disabilities, Protected Veterans, Sexual Orientation, Gender Identity and is committed to employing a diverse workforce. Equal Employment Opportunity is The Law. at https://www.dol.gov/ofccp/regs/compliance/posters/ofccpost.htm
Early Stage Credit Counselor I
The Opportunity: Responsible for working with customers up to 30 days delinquent to arrange for payment alternatives to resolve past due situations, thereby reducing bank risk and maintaining relationships.
Must adhere to the requirements of federal registration under the SAFE Act Primary
Incumbent may perform any or all of the following in front-end collection functions: Initiate contact with consumer borrowers via AutoDial handling the early stage of accounts, assessing the prospect of repayment, and arranging repayment schedules or other solutions such as:
Loan Workout, Alternative Lending, CCCS, Reages, or Extensions. Handle inbound calls from various internal departments as well as customers. Respond to questions regarding all Consumer products that are under 45 days delinquent.
Identify suspect situations (i.e. fraud, lack of insurance) and escalate issues to management. Utilize internal collections systems and accounting systems for all loan types. Identify and resolve problematic account situations where appropriate referring more complex problems to the Supervisor and understand the workflow necessary for account maintenance/corrections.
Refers possible repossessions to Supervisor for review and approval. Compiles information and analyzes the account files for repossession recommendation. Perform additional duties as requested by management.
Works under direct supervision. Results/actions have the ability to impact the individual. Has regular contact with Bank customers.
Minimum Qualifications Required: High School diploma or GED. Minimum one year customer service experience.
Typing or keyboard proficient. Ability to communicate effectively and professionally over the phone. Good customer service skills.
Ideal Qualifications Preferred: Previous collection work experience. Knowledge of State and Federal regulations and Bank policy for all states that the Bank conducts business in.
Bilingual in English and Spanish About M&T: At M&T, we strive to be the best place our employees ever work, the best bank our customers ever do business with and the best investment our shareholders ever make. So when looking to advance your career, look to M&T.
As a top 20 US bank holding company and one of the best performing regional banks in the country, we offer a wide range of performance based career development opportunities for talented professionals. And through our longstanding tradition of careful, conservative and consistent management and a strong commitment to the communities we serve, we continue to grow with a focus on the future. SDL2017
Credit Union Branch Counselor
Credit Union Sales Representative/Personal BankerCompetitive Pay PLUS Qrtly & Annual IncentivesGreat Hours! 7:15am to 4:00pm Mon-FriWe are Farmers! Join a team of diverse professionals at Farmers to acquire skills on the job and apply your learned knowledge to future roles at Farmers. Farmers Insurance also offers extensive training opportunities through the award winning University of Farmers named by Training magazine amongst top 10 corporate training units in the world. Start your career at Farmers today! *Job Summary
This position requires an individual to display an ability to perform outside sales calls effectively, manage a sales pipeline and a solid follow up plan. Relationship management techniques are necessary to develop partnerships with Farmers agents, district manager and various territory support staff and management. This Sales Representative performs teller duties and new account functions, provides loan and account information, cross-sells products and services, participates in marketing presentations, resolves member complaints and assists in the overall operation of the branch.
Preferred candidates will have:* •Sales and/or Marketing Experience •Presentation Experience •Strong Customer Service Skills •Previous cash handling experience in a Financial Institution •Strong verbal and written communication skills
Essential Job Functions* •Processes member transactions that include deposits, withdrawals, negotiable items, loan payments, cash advances online of credit and MasterCard, and data changes to member accounts. •Opens new personal, trust, and corporation accounts and loads details on computer system for savings, checking, money markets, and certificates. •Provides required documentation for IRAs. •Answers member questions and resolves issues regarding share accounts and loan products. •Quotes rates, terms, features, benefits, and services. •Responsible for daily balancing of cash and transactions in accordance with balancing standards. •Orders branch cash and prepares cash shipments. •Prepares bank deposit. •Performs all vault teller duties including maintaining custody and daily record of receipts and disbursements in the vault. •Balances proprietary ATM transactions and cash and troubleshoots problems. •Performs monthly surprise cash counts for teller drawers. •Ensures bait money for each teller drawer is properly assigned and maintained. •Under dual control, performs a monthly audit of all negotiables. •Orders and maintains adequate levels of branch supplies. •Assures compliance and marketing items remain current. •Maintains and services ATM and video surveillance security equipment. •Arranges for outside servicing as directed. •Maintains a working knowledge of products and services, explains the features and benefits of membership and services offered, opens new accounts, and promotes the member driven philosophy and professionalism credo. •Provides loan information and gathers necessary documentation for loan requests. •Inputs loan applications into the computer system, runs credit reports and determines loan rates. •Participates in achieving branch marketing goals related to new memberships, loan and share growth, cross-selling, and member retention. •Participates in field marketing in vicinity of the branch and works with minimal daily onsite supervision. •Takes responsibility for promoting the operational workflow of the branch. •Provides feedback to supervisor regarding changes in branch operating procedures. •Performs other duties as assigned.
Required job duties are essentially sedentary work consisting of occasional walking, standing, and lifting and/or carrying ten pounds maximum.
Required job duties are normally performed in a climate-controlled office environment. *May involve 5% - 10% travel. Office location is Oklahoma City, OK.
High school diploma or equivalent. *Experience Requirements
Sales experience in a financial institution or retail environment preferred. Farmers is an equal opportunity employer, committed to the strength of a diverse workforce.
Title:Credit Union Branch Counselor
Late Stage Credit Counselor II - Consumer - 3Dfos
9pm, Friday 8am
5pm and 2 Saturdays per month from 8am
Company Overview: Together, M&T Bank and Wilmington Trust, a part of M&T Bank Corporation, represent one of the country’s leading depository and lending franchises, a premier wealth advisory firm, and the partner of choice for corporate transactions and structures. As one of strongest, most successful companies in the U.S. financial services industry, M&T continues to grow, offering value to our shareholders and opportunity to qualified professionals. Join our team of over 15,000 professionals and you’ll understand what drives our longstanding success: a promise of exceptional client service, a commitment to our communities, a focus on building long-term relationships, and a dedication to being the best employer you’ll ever have.
The Opportunity: Responsible for managing an assigned portfolio in the 30 days stage of delinquency, mitigating loss situations, thereby reducing Bank risk and maintaining customer relationships.
Primary Responsibilities Incumbent may perform any or all of the following in late stage collection functions: Initiate contact with consumer borrowers handling the highest degree of delinquency accounts, assessing the prospect of repayment, and arranging repayment schedules or other solutions such as:
Loan Workout, Alternative Lending, CCCS, Reages, or Extensions. Investigate and conduct in depth research and account review on high-risk loans. Analyze financial statements and loan opening documents to assess the likelihood of recovery.
Identify suspect situations (i.e. fraud, lack of insurance) and investigate exposure, escalating issues to management along with course of action taken. Perform skip tracing. Utilize internal collections systems and accounting systems for all loan types.
Identify and resolve the more complex problematic account situations. Understand the workflow necessary for account maintenance/corrections through to resolutions. Follow up on all customer inquiries.
Compile information and analyzes the account files for repossession and foreclosure recommendation. Complete beginning, daily and final strikes of assigned charge off portfolios to various reports and logs. Complete charge off referral/authorization forms for losses greater than or equal to $25M to include account summary and likelihood of recovery with recommendation for future action.
Perform additional duties as requested by management. Works under general supervision. Has contact with internal supervisors and externally with customers and service providers.
Minimum Qualifications Required: Associates or in lieu of degree two to three years relevant experience Minimum of two or more years of collections, retail or sales experience Good knowledge of Microsoft Excel and Word Very strong interpersonal and relationship building skills, good customer service orientation
Ideal Qualifications Preferred: Bilingual Familiar with skip tracing software, BK servicing systems Knowledge of State and Federal regulations and Bank policy for all states that the Bank conducts business in Good understanding of the bank's operations and systemic functionality Good understanding of collections servicing systems Functional expertise in all products serviced Ability to be a team player Project positive and friendly attitude Strong communication and time management skills Strong negotiating skills Detail and goal oriented M&T is among the top 20 U.S.-based commercial bank holding companies with more than $79 billion in assets and more than 780 branches in New York, Maryland, Pennsylvania, Virginia, Delaware, New Jersey, West Virginia, Florida and Washington D.C. With more than 150 years of experience, M&T Bank is committed to be the best company our employees ever work for, the best bank customers ever do business with and the best investment our shareholders ever make.
Apply today at www.mtb.com/careers ! M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer. M&T Bank Corporation does not sponsor individuals for the purpose of obtaining H-1 Visas. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.
Credit Risk Analyst Ii/Sr Credit Risk Analyst - Credit Risk Management
The Federal Reserve Bank of Cleveland is part of the nation's central bank. We have provided many opportunities for professional growth during our history.
For eighteen years in a row, we have been named "One of Northeast Ohio's Best Places to Work" by North Coast 99. This prestigious award honors organizations with outstanding employment practices, including compensation, benefits, training, recruitment, retention, community services, and employee communications. At our state-of-the-art Cleveland office we are seeking innovative thinkers with vision to build the framework that will carry the Bank into the future.
Join our team! Credit Risk Analyst II/Senior Credit Risk AnalystCredit Risk Management Evaluate the acceptability of investment securities pledged to the Federal Reserve for Discount Window, Payment System Risk and Treasury collateral programs. Analyze loan and investment securities collateral data on a macro- and micro- basis for both the District and System to identify emerging trends. Prepare briefings, presentations, and other communications for key decision-makers regarding matters impacting the Discount Window.
Participate on and/or lead System work groups to explore Discount Window and collateral programs, practices, policies, and issues. Research and respond to complex depository institution inquiries regarding Federal Reserve lending programs, eligibility, and collateral programs. Candidates must have a strong understanding of liquidity/funding analysis, financial analysis, investment security/loan portfolio analysis, trend analysis and MIS reporting abilities.
Strong communication skills required when working with Federal Reserve management and personnel, fourth District depository institutions and supervisory agencies. Specialized, technical skills with advanced knowledge of business related software applications, including Excel, Access and other database and analytical tools. Ability to perform in-depth, independent research.
Ensures the daily operations of core functions are conducted consistently with established policy, procedure, and prudential risk and control requirements. Job Specifications:
Bachelor's degree * 4-7 years of related work experience (Credit Risk Analyst II); 7 years or more of related work experience (Senior Credit Risk Analyst)
Proficiency with complex business machines (computers, etc.)
Ability to perform involved, independent research and creative work
Knowledge of moderately complex procedures and practices of a specific function
Knowledge of procedures and services of related areas (such as accounting or purchasing)
Ability to perform routine tasks
Specialized, technical skills Complexity of Challenges: Requires following generally defined procedures.
Decisions are made about common problems that come up frequently. Some independent thinking is required. Problem Solving
Interpersonal communication: Requires communicating well with people at different levels, frequently sharing information with others while listening to and understanding their points of view. Logical analysis:
Requires thinking through and solving problems step by step, often looking beyond the obvious solution to a problem and digging deeper for the best solution. Controls: Borrowing restrictions and other limitations on financial holdings designed to alleviate staff conflicts of interest with District depository institutions. Internal procedures and controls (i.e., dual pass or segregation of duties for data input for staff with data entry responsibilities), automation system access and utilization controls associated with CRM's core functions and daily processes.
PLEASE NOTE : This position requires access to confidential supervisory information, access to which is limited to "Protected Individuals" as defined by regulation of the Board of Governors of the Federal Reserve System. Protected Individuals include, but are not limited to, U.S. Citizens, U.S.
Nationals, and lawful permanent resident aliens (also known as "green card holders") but do not include (i) a permanent resident alien who fails to apply for naturalization within six months of the date the alien first becomes eligible to apply for naturalization and (ii) an alien who has applied on a timely basis, but has not been naturalized as a citizen within 2 years after the date of the application, unless the alien can establish that the alien is actively pursuing naturalization. If you are selected for an interview, you will be required to present documentation of your eligibility prior to the interview.
Organization:Federal Reserve Bank of Cleveland
Title:Credit Risk Analyst II/Sr Credit Risk Analyst - Credit Risk Management
Senior Credit Administrator, Lada Credit Management Group - Smbc Specialized Finance Department (Bilingual Spanish Preferred)
Overview SMBC's LADA Corporate Finance Team is looking for a Senior Credit Administrator who will be responsible for supporting the team’s coverage efforts through administrative functions in relation to credit/process controls and credit management of the LADA portfolio, with a focus on corporate transactions. The incumbent will be responsible for effective business operations and credit and risk management, with an emphasis on adherence to internal procedural rules, credit policy and requirements, and as needed, assist on-going portfolio maintenance activities and originations support from an administration point of view. The incumbent will also provide crucial support for bankers interfacing with clients by handling client related requests, communicating with relevant teams within the bank, etc. Bilingual English/Spanish candidates strongly preferred.
Responsibilities - Work closely with team members, credit, operations, and other internal SMBC teams including head office functions in Tokyo to ensure appropriate credit management and successful execution of transactions.
Act as a key contact person for the team’s country risk management, and spearhead various related activities including periodic reporting, arranging meetings and handling requests from the head offices.
Support corporate team’s internal credit process from origination to commitment including assisting internal administration process such as KYC, checking credit and review applications, and managing timelines of internal approval process through communications with credit department.
Ensure effective credit and risk management, with emphasis on adherence to credit policy and requirements, and as needed, assist on-going portfolio maintenance activities and originations support from administrative standpoints, such as update of deal pipeline list and update and analysis of Latam portfolio database.
Qualifications Work Experience:
A minimum of 3-5 years of relevant experience in a corporate bank or relevant financial institution.
Previous experience in an administrative function in credit process and/or portfolio management.
Advanced level of credit experience and familiarity with corporate finance a plus.
The ability to work with and understand various deal structures a plus. Education: - Bachelor’s degree in Business, Finance, Accounting, Economics, or equivalent work experience
Formal credit training a plus.
- Must be proficient with Microsoft Word and Excel; Access proficiency a plus.
Strong mindset to get various projects done within required timeframe, by identifying necessary steps and potential challenges throughout the process, setting up proper milestones toward the deadline taking expected / unexpected disruptions into account, and executing the steps in accordance with the milestones while amending as situation requires along the way.
Able to quickly learn and adapt to internal policies, processes, grading and other systems. Able to work well in a culturally diverse and team oriented environment. Demonstrates intellectual curiosity and an interest in continuous learning.
Excellent written and verbal communication skills with an ability to present effectively through the administrative and credit processes.
Have the ability to operate independently and maintain a high level of trust and confidence by senior line and risk management.
Highly motivated and self-driven person with a desire to succeed and drive business.
Fluency in Spanish and/or Portuguese preferred. #LI-PRI
Job LocationsUS-NY-New York
TypeFull-Time SMBC is an EO employer – M/F/Veteran/Disability
Credit Associate - Commercial Credit Services Group - Irvine, California
Description: Discover your opportunity with Union Bank® and become a part of one of the world's leading financial groups.
Union Bank is a member of Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world with total assets of over $2.4 trillion (as ranked by SNL Financial, April 2016) and 140,000 colleagues in nearly 50 countries. In the U.S., we're 13,000 strong, working together to positively impact every customer, organization, and community we serve. At Union Bank, we aim to be the premier and most trusted West Coast bank, serving customers with high-touch, local delivery and global capabilities as we leverage our rich, 150-year history.
This is all part of our inclusive, high-performing culture supported by competitive Total Rewards, including our cash balance pension plan. Join a team that's working to fulfill its vision to be the world's most trusted financial group. JOB SUMMARY The Commercial Credit Services Group (CCSG) provides centralized underwriting and portfolio support for the Bank's Middle Market group, and portfolio support for the Private Bank, Commercial Finance, Business Banking, Retail, and Transaction Banking.
Credit Associates perform work - primarily spreadsheeting - within this high volume work environment. The Credit Associate position is entry-level and aims to build basic credit experience through the performance of repetitive tasks for the above portfolios. Work performed by the Credit Associates is reviewed and used by Credit Executives, who may provide coaching, mentoring and constructive feedback about work quality.
Credit Associates who have demonstrated satisfactory job performance and have successfully completed all training classes required for entry to the Bank's Commercial Credit Training Program are eligible to interview for sponsorship positions within the Commercial Banking or specialized lending groups. MAJOR RESPONSIBILITIES 1.
Analytical and Loan Management support: 80% Spreadsheeting of prospect and borrower financials in Risk Analyst ('RA') and Excel Spreadsheeting of prospect and existing guarantor personal financial statements and tax returns in RA and Excel Spreadsheeting of projections in RA - Monitor financial covenants and/or liquidity, for compliance with terms of credit agreements Monitor collateral eligibility for credits with borrowing base structures Prepare trend cards Necessary follow-up and communication with CE's and RM's 2. Attend training classes and perform required certifications
10% Pre-requisites for the Bank's Commercial Credit Training Program, including Commercial Credit for Lenders and Intermediate Accounting. 3. Special projects and Peer training
5% 4. Provide support to various CCSG special projects as requested or necessary, including additional peer training responsibilities. 5. Projects for Credit Executives: 5% Partial / Full credit and financial analysis of borrowers, guarantors and vendor
Preparation of Administrative Action reports and full CRS drafts Draft Problem Loan and Watchlist reports.
This is a highly competitive opportunity At a minimum, the right candidate should meet the following criteria:
A recently acquired Bachelor's Degree (preferably in a business-related major, Economics, Finance, etc.) Exceptional interpersonal, analytical, and writing skills Excellent organization, time management, and attention-to-detail abilities Computer literacy, including functional knowledge of MS Word and Excel. Minimum Cumulative GPA 3.0 Able to furnish proof of citizenship, permanent residency, or authorization to work in the U.S. PRIMARY MEASUREMENTS 1.
Accuracy 2. Completion of tasks with turnaround targets / Service Level Agreements 3. Efficient prioritizing of tasks and workload balancing to achieve high priorities The above statements are intended to describe the general nature and level of the work being performed.
They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. We are proud to be an Equal Opportunity / Affirmative Action Employer and committed to leveraging the diverse backgrounds, perspectives, and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate in employment decisions on the basis of any protected category. SDL2017
Addictions Counselor I/Addictions Counselor II
Addictions Counselor I/Addictions Counselor II
Permanent Full-Time position,
Gastineau Human Services (GHS) 5597 Aisek Street, Juneau, AK 99801
GHS is a nonprofit organization dedicated to helping people in Juneau restore their lives when they are adversely affected by addiction, or homelessness or incarceration.
Gastineau Human Services is hiring for a Permanent Full-Time Addiction Counselor I/II position. This position is responsible for providing comprehensive, professional outpatient substance abuse treatment services.
Fulltime, M-F 8:00 am to 5:00 pm; may require some evening scheduling.
Starting annual income DOE beginning at: Counselor I $44,327- $52,929 or Counselor II $48,438- $57,837
• You are experienced at providing comprehensive behavioral health and substance use assessments, or assessment updates; diagnosis per DSM-V and ASAM patient placement.
• You are experienced at writing comprehensive behavioral health individualized and/or substance use treatment plans consistent with specific problems identified in the assessment.
• You have experience at performing skillful individual, group (recreational and adventure based as well as psychoeducational and psycho dynamic), family counseling services, crisis intervention, case management and referral.
• You have experience with clinical documentation that meets criteria as outlined by corporate policies and procedures, payer sources and professional/ethical regulations. Uses current Medicaid terminology universally in all client documents and reporting.
• As the ideal candidate, you are experienced in working with individuals recovering from addiction, have healthy boundaries, are compassionate, fair, respectful, have integrity and is a team player.
• You have excellent computer skills, good written and oral communication, time management and organizational skills.
• Addictions Counselor I level: Bachelors Degree, from an Accredited Institute of Higher Education, in the field of counseling, psychology, social work, criminal justice, or related field of social services, and two years' experience in the provision of direct services in the field of Addictions or Mental Health; OR State of Alaska Chemical Dependency Counselor Level I certification and three years of experience in the field of corrections, behavioral health and/or chemical dependency.
• Addictions Counselor II level: Masters Degree, from an Accredited Institute of Higher Education, in the field of counseling, psychology, social work, and two years' experience in the provision of direct services in the field of Addictions or Mental Health; OR State of Alaska Chemical Dependency Counselor Level II and three years of experience in the field of chemical dependency;
• Requires background check and pre-employment drug screening.
• Must be able to be insurable by GHS auto insurance.
Some of our employee benefits are:
• Full group health care through Blue Cross of Alaska
• 403B with Mutual of America, five-year full vesting period
• Personal leave time starts at 16 hours per month
Please contact Carole Gibb, GHS Accounting Supervisor for employment forms. Resumes and employment forms can be submitted by email or fax.
Fax: (907) 780-4098
Gastineau Human Services is an Equal Employment Opportunity employer.
Mental Health Counselor (Group Home Or Apartment Program): Counselor I
Position title is Counselor I (35-hour work week)
ESSENTIAL JOB FUNCTIONS:
Accurately assesses the resident’s needs, strengths and preferences in relation to their life goals in the areas of housing, education, employment and community adjustment.
Uses a person-centered planning approach to services.
Conducts recovery planning, implementation and documentation according to agency and Medicaid standards.
Monitors increases in psychiatric symptoms and intervenes effectively when necessary.
Produces positive outcomes defined by the resident.
Provides 24 hour on-call crisis intervention.
Is a team player with a positive attitude and a willingness to contribute to the overall team’s success.
Can lead a team.
Completes all required paperwork in a competent and timely manner.
Able to make independent judgements and take effective immediate action to ensure the health and safety of residents in psychiatric and medical crises.
Able to navigate stairs to complete site visits and/or apartment/room visits. (N/A in single-level group home locations).
Utilizes personal automobile to complete site visits and/or transport residents as needed.
QUALIFICATIONS for Counselor I:
A Master’s degree in Social Work, Mental Health Counseling, Counselor Education, Rehabilitation Counseling, or related field. (Or)
A Bachelor’s degree in Psychology, Social Work, or related field; and minimum of one year paid direct service experience in a mental health or human service setting (And)
Must possess a valid driver's license and a reliable personal automobile. Violations are reviewed administratively for potential safety risk to residents.
Ability to relate to a group of residents of all ages and with a range of intellectual capacities and emotional/psychiatric disorders.
Knowledge of person-centered, recovery-oriented values and principles.
Knowledge of symptoms of cognitive, affective, and personality disorders, substance abuse, and behavioral intervention strategies. Ability to continuously assess the resident’s emotional status and family dynamics.
Ability to make independent decisions and act immediately and effectively to ensure the health and safety of the resident in a psychiatric or medical crisis.
Ability to work within a team approach.
Ability to assume role as Acting Supervisor in Supervisor’s absence.
Refined written and verbal communication skills.
Credit Analyst / Senior Credit Analyst
The credit analysts at Mulligan are responsible and assessing the financial condition of small business loan applicants and approving or declining loans. The credit analysts evaluate financials to assess cash flow and liquidity in order to determine if loans should be approved or declined. Unlike working at a bank, this is an extremely fast-paced role that will involve decision making authority. Credit analysts must be adept at multitasking, critical thinking, and extemporaneous decision-making. Specific responsibilities include:
- Review financial statements and analyze business bank statements to determine credit worthiness of small businesses
- Analyze personal credit reports of businesses and individuals and assess how the guarantor personal credit may affect the creditworthiness of the business
- Sizing and structuring loans for approved clients
- Complete credit memos for approved loans that support the decision and the structure of the proposed financing
- Conduct ad-hoc research on businesses to protect against fraud
- Interview potential clients in order to further assess ability to repay
- Decline loan applications that do not meet the minimum criteria
- Bachelors’ degree, preferably in Business, Finance, Economics, or a similar discipline
- Minimum 1 year of experience underwriting and decisioning small business loan applications. 2-3 years in the industry is preferred
- A strong grasp of GAAP accounting principles and ability to dissect financial statements and business bank statements
- Knowledgeable about the small business lending landscape in the U.S. with insights into various industry risk segments
- Well-developed organizational, communication, and time-management skills
- Adept in all Microsoft Office Products, G-Suite, and ability to quickly pick up new programs and CRM systems
- Strong critical thinking, mathematical, and analytical skills
- Ability to make complex decisions under pressure in a fast-paced environment
To be successful in this role, you need to be highly organized, able to multi-task, and build rapport quickly and effectively. In this role, you will be the first impression for Mulligan Funding, and will need to present a professional and consultative demeanor to each prospective client.
We are growing our team by leaps and bounds and your success in this role, along with the company need, will determine your path. If you are results oriented, motivated, and enjoy working in a fast-paced environment, we would like to meet you.
Making better hires starts with building better job descriptions
- Browse 100s of templates across 40+ industries
- Customize your template with your company info & job requirements
- Post it to 20+ job boards in seconds – for FREE!