Job Results
Financial Services
Posted 4 weeks
Sr. Credit Analyst/Credit Analyst
Triad Financial Services - Jacksonville, FL 32224
Triad Financial Services is a leading provider of financial services and solutions, serving clients worldwide. We are seeking a highly motivated and skilled Credit Analyst or Senior Credit Analyst to join our growing team. Essential Functions: Experience in commercial credit analysis and documentation of commercial credit lines Strong analytical skills and knowledge of commercial finance transactions Credit Underwriting: Gather required documents and additional information needed to process and review new loan applications, request for existing accounts, and handle annual renewals. Spread and analyze business financial statements, tax returns and other supporting documents used in providing credit recommendations. Work with Credit Manager, Account Manager, VP and CCO of Commercial Credit team. Documentation: Complete Legal Documents required for approved Retailer Credit Lines Collect all conditions of Approval from Retailer Minimum Qualifications: Bachelor’s degree in finance or accounting preferred Recent college graduate looking for entry level position in a growing company Some prior work experience in financial services industry preferred but not required Familiarity with concepts, procedures and processes typically used in finance Quick learner of the proprietary computer system used to manage and underwrite the accounts Preparation or ability to review documents and reports using Microsoft Office based products Good organizational, clerical, numeric, oral and written language skills Knowledge of customer service principles and practices Experience in commercial underwriting for a Regional or National Bank (2+ years); Versed in Commercial Real Estate underwriting (preferred, not required) Experienced in underwriting deals in excess of $1,000,000 Expected to be able to calculate DSCR, Liquidity, Working Capital, Leverage, LTV based on financial statements Familiarity with corporate tax return analysis Capable of creative writing/narrative building to relay the request, risk assessment, and analysis to approval committee Commercial Underwriting experience Physical Demand: Ability to safely and successfully perform the essential job functions consistent with the ADA, FMLA and other federal, state and local standards, including meeting qualitative and/or quantitative productivity standards. Ability to maintain regular, punctual attendance consistent with the ADA, FMLA and other federal, state and local standards Must be able to talk, listen and speak clearly on telephone Able to sit at a work station for prolonged periods of time
Posted 4 weeks
Senior Mortgage Underwriter
VyStar Credit Union - Jacksonville, FL 32202
At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement-available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Senior Mortgage Underwriter ACCOUNTABILITY STATEMENT The Senior Mortgage Underwriter is responsible for evaluating various types of mortgage loan applications, including conventional (Fannie Mae and Freddie Mac), FHA, VA, equity, construction-to-perm, renovation-to-perm, and specialty programs. Must have strong understanding in standard concepts, practices and procedures of residential underwriting and is able to ensure loan meets agency requirements for soundness, salability and insurability. ESSENTIAL RESPONSIBILITIES Review loan files to determine compliance with lender credit underwriting guidelines as well as government guidelines. Review and validate borrower(s): income (including complex business and personal tax returns), credit, asset documentation, title and fraud reports. Analyze loan files to determine credit worthiness of borrower. Prioritize and manage files among new submissions, documents, and funding. Work as a team with loan officers and other professionals to ensure file completeness. Review government appraisal to ensure the value of the property is accurately presented. Maintain production standard goals as established by management. Re-underwrite loans when additional information has been received. Be proactive in researching general underwriting scenarios and guidelines to stay up to date. Consistently adheres to VyStar core values and Code of Ethics and acts in accordance with Corporate defined values and ethics. Consistently demonstrates VyStar Excellence with providing service to the membership, Credit Union employees and third-party vendors. Responsible for understanding mortgage department goals as well as Credit Union goals and pro-actively works toward attainment of those goals. Identify and make recommendations to Mortgage Underwriting Supervisor, AVP Mortgage Underwriting, and VP Mortgage Credit regarding process improvements, quality service, and increased efficiencies within the processing unit. Performs the activities and projects as assigned and requested by the Mortgage Underwriting Supervisor, AVP Mortgage Underwriting, and/or VP Mortgage Credit. Performs in accordance with the established guidelines/benchmarks in relation to acceptable/reasonable delinquency and loss ratios. Perform other duties as assigned. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors and to provide support and feedback to employees assigned to the processing unit to consistently practice and demonstrate VyStar Excellence behaviors in performing the duties and responsibilities of their position. Expected VyStar behaviors are defined as: Focus: Focus your full attention by carefully listening to and observing client or member. Connect: Consistently be friendly and approachable. Demonstrate your care. Understand: Listen empathetically and ask questions (70%/30% rule). Counsel: Recommend solutions based on your member’s needs and objectives. Advance: Ensure that member’s expectations were exceeded. JOB QUALIFICATIONS EDUCATION High School Diploma or GED is required. Bachelor’s degree preferred. CERTIFICATIONS Must have an active Direct Endorsement (DE) and Computerized Homes Underwriting Managements Systems (CHUMS) Must be active in the VA Lender Appraisal Processing Program (LAPP) and certified as a Staff Appraisal Reviewer (SAR) Underwriter for VA loans. EXPERIENCE 5+ years in a mortgage underwriting role including conventional (Fannie Mae and Freddie Mac), FHA, VA, Equity, Construction-to-Perm, Renovation-to-Perm, and specialty program underwriting. JOB KNOWLEDGE, SKILLS, AND ABILITIES Strong analytical and decision making/problem solving skills. Strong working knowledge of ATR/QM (Ability to Repay/Qualified Mortgage Rules) requirements. Encompass Loan Origination System (LOS) experience preferred. Well versed in state and federal regulations governing mortgage origination, secondary market selling guidelines, and private mortgage insurance requirements. Applicants must be detailed oriented and be self-motivated to complete assigned files in a timely and accurate manner. Applicants must have positive, well-developed effective communication skills, both written and verbal, be detail oriented, demonstrate good organizational and reflective listening skills, the ability to work in a fast-paced environment, and proven ability to work with others. Must have a professional conduct and appearance. Must work under the philosophy of “people helping people” and be able to effectively communicate with members on all levels. Intermediate technical skill within the Microsoft Office suite (PowerPoint, Word, Excel, and Outlook). Incumbent will be required to develop a proficiency in using the various software applications and web solutions utilized by the Mortgage Department in completing daily tasks and responsibilities associated with underwriting. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that 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. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources
Posted 4 weeks
Financial Analyst
CSX - Jacksonville, FL
Job Summary Are you interested in being a part of one of America’s most essential, industry-leading transportation companies? CSX is a Fortune 250 company currently seeking top-tier Finance talent. We are looking for analytical, intellectually curious, detail-oriented, driven individuals with strong communication skills. Our Finance employees are seen as trusted advisors, and we offer ongoing training and development to ensure a strong culture of success. The Financial Analyst role serves as a consultative partner to business leaders to analyze complex business issues, develop fact-based recommendations, influence outcomes, and drive the implementation of processes that result in improved financial performance. Prior railroad experience is not required. Primary Activities and Responsibilities Cultivate relationships with business partners to analyze marketing, operating, and capital projects to help make real-time business decisions Help develop and utilize financial models to quantify benefits and drive sound, fact-based economic decisions Help guide the development of short- and long-term forecasts, plans, and strategies. Consult and communicate analyses through presentations to senior management in the department and business partners from other departments Miscellaneous activities and responsibilities as assigned by manager Minimum Qualifications Bachelor's Degree/4-year Degree 1 or more years of experience in Finance, Accounting, Business Administration, Business Management, Economics, Mathematics, Computer Systems, Engineering, or other related major field Preferred Qualifications Graduate Degree Intermediate/Advanced Excel and PowerPoint Skills Familiarity with SQL, Power BI, Alteryx and/or Tableau Knowledge and Skills Knowledge of financial concepts, discounted cash flow models, and statistical analysis Knowledge of cost allocation methodologies and the application of technology for decision support systems Analytical, quantitative, and problem solving skills Effective time management and organizational skills Strong written and oral communication skills and ability to communicate effectively and build working relationships at all levels of an organization Ability to independently participate in and lead complex cross-functional project teams including directing or influencing the direction or activities of the team as appropriate Ability to understand, create, maintain, and modify complex financial models Leadership The CSX Leadership Model is the foundation of our Talent Strategy and is what drives CSX performance. CSX accordingly selects and develops talent based on each of the following: producing results, creating change, and inspiring excellence. Job Requirements Work hours may vary in length and schedule (may include a non-standard work week)
Posted 4 weeks
Financial Analyst
Insurance Office of America - Jacksonville Beach, FL 32233
Job Description: Title: Financial Analyst Work Mode: Fully Remote | Supporting: Longwood, FL office | Experience: Bachelor's degree. Must have 2+ years of financial related experience. Strong in MS Excel. Please note: If this position is posted as either fully remote and/or hybrid, in accordance with company policy, individuals residing within a 50-mile radius of a branch location may be required to work onsite in a hybrid capacity as there may be occasions when on-site presence is necessary to meet specific business needs. Additionally, our remote work policy includes having a dedicated, distraction-free workspace. Remote work is not a substitute for childcare, elder care, or other personal responsibilities during working hours. To view our branch locations, please visit: ioausa.com/locations About the Role: Responsible for analyzing and reporting on producer-level financial and operational performance, including revenue, production credit, and business activity metrics. This role supports data-driven decision-making by developing reporting tools, dashboards, and analytics that provide visibility into key performance indicators. The Financial Analyst partners with internal stakeholders to deliver accurate insights, improve reporting capabilities, and support strategic initiatives related to producer performance and equity programs. Key Responsibilities: Producer Performance Reporting: Track and report on monthly producer metrics, including gross revenue, new business, and lost business activity. Equity Program Tracking: Monitor producer performance related to equity programs, ensuring accurate production credit and proper handling of deviations. Earn-Out Reporting: Track and analyze individual producer performance related to earn-out structures and payout triggers. Ramp Performance Analysis: Monitor and report on performance of ramping producers, identifying trends and variances against expectations. KPI & Metrics Reporting: Develop and deliver organizational KPIs and performance metrics related to producer activity and outcomes. Dashboard Development: Partner with the Data Analytics team to design and maintain Power BI dashboards for real-time visibility into producer performance. Financial Analysis & Insights: Analyze data trends and provide actionable insights to support business planning and performance improvement initiatives. Forecasting Support: Assist with cash flow forecasting related to producer equity programs and compensation structures. Capital & Program Analysis: Support analysis of cap table implications and financial impacts associated with producer equity programs. Professional Development: Continuously improve professional skills by participating in internal/external development opportunities. Champion IOA Values: Demonstrate integrity and leadership. Ideal Candidate Qualifications: Bachelor’s degree in Finance, Business Administration, or a related analytical field preferred 2+ years of financial analysis or data analytics experience Advanced proficiency in Microsoft Excel Experience with reporting and analytics platforms (Power BI preferred) Strong analytical, research, and problem-solving skills Excellent organizational and prioritization skills with ability to manage multiple priorities Outstanding verbal and written communication skills Ability to work independently with high accuracy and attention to detail What We Offer: Competitive salaries and bonus potential Company-paid health insurance Paid holidays, vacations, and sick time 401K with employer match Professional growth and career progression opportunities Respectful culture and work/family life balance Community service commitment Supportive teammates and a rewarding work environment What to Expect (Application Process): 30-Minute Phone Screen, Online Assessments, and Interview(s) Salary Range The expected pay range for this position is $65,000 to $85,000 per year, depending on experience, relevant skills, and geographic location. Insurance Office of America is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.
Posted 4 weeks
Financial Analyst
Insurance Office of America - Fernandina Beach, FL 32034
Job Description: Title: Financial Analyst Work Mode: Fully Remote | Supporting: Longwood, FL office | Experience: Bachelor's degree. Must have 2+ years of financial related experience. Strong in MS Excel. Please note: If this position is posted as either fully remote and/or hybrid, in accordance with company policy, individuals residing within a 50-mile radius of a branch location may be required to work onsite in a hybrid capacity as there may be occasions when on-site presence is necessary to meet specific business needs. Additionally, our remote work policy includes having a dedicated, distraction-free workspace. Remote work is not a substitute for childcare, elder care, or other personal responsibilities during working hours. To view our branch locations, please visit: ioausa.com/locations About the Role: Responsible for analyzing and reporting on producer-level financial and operational performance, including revenue, production credit, and business activity metrics. This role supports data-driven decision-making by developing reporting tools, dashboards, and analytics that provide visibility into key performance indicators. The Financial Analyst partners with internal stakeholders to deliver accurate insights, improve reporting capabilities, and support strategic initiatives related to producer performance and equity programs. Key Responsibilities: Producer Performance Reporting: Track and report on monthly producer metrics, including gross revenue, new business, and lost business activity. Equity Program Tracking: Monitor producer performance related to equity programs, ensuring accurate production credit and proper handling of deviations. Earn-Out Reporting: Track and analyze individual producer performance related to earn-out structures and payout triggers. Ramp Performance Analysis: Monitor and report on performance of ramping producers, identifying trends and variances against expectations. KPI & Metrics Reporting: Develop and deliver organizational KPIs and performance metrics related to producer activity and outcomes. Dashboard Development: Partner with the Data Analytics team to design and maintain Power BI dashboards for real-time visibility into producer performance. Financial Analysis & Insights: Analyze data trends and provide actionable insights to support business planning and performance improvement initiatives. Forecasting Support: Assist with cash flow forecasting related to producer equity programs and compensation structures. Capital & Program Analysis: Support analysis of cap table implications and financial impacts associated with producer equity programs. Professional Development: Continuously improve professional skills by participating in internal/external development opportunities. Champion IOA Values: Demonstrate integrity and leadership. Ideal Candidate Qualifications: Bachelor’s degree in Finance, Business Administration, or a related analytical field preferred 2+ years of financial analysis or data analytics experience Advanced proficiency in Microsoft Excel Experience with reporting and analytics platforms (Power BI preferred) Strong analytical, research, and problem-solving skills Excellent organizational and prioritization skills with ability to manage multiple priorities Outstanding verbal and written communication skills Ability to work independently with high accuracy and attention to detail What We Offer: Competitive salaries and bonus potential Company-paid health insurance Paid holidays, vacations, and sick time 401K with employer match Professional growth and career progression opportunities Respectful culture and work/family life balance Community service commitment Supportive teammates and a rewarding work environment What to Expect (Application Process): 30-Minute Phone Screen, Online Assessments, and Interview(s) Salary Range The expected pay range for this position is $65,000 to $85,000 per year, depending on experience, relevant skills, and geographic location. Insurance Office of America is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.
Posted 4 weeks
Financial Analyst
Insurance Office of America - Jacksonville, FL 32233
Job Description: Title: Financial Analyst Work Mode: Fully Remote | Supporting: Longwood, FL office | Experience: Bachelor's degree. Must have 2+ years of financial related experience. Strong in MS Excel. Please note: If this position is posted as either fully remote and/or hybrid, in accordance with company policy, individuals residing within a 50-mile radius of a branch location may be required to work onsite in a hybrid capacity as there may be occasions when on-site presence is necessary to meet specific business needs. Additionally, our remote work policy includes having a dedicated, distraction-free workspace. Remote work is not a substitute for childcare, elder care, or other personal responsibilities during working hours. To view our branch locations, please visit: ioausa.com/locations About the Role: Responsible for analyzing and reporting on producer-level financial and operational performance, including revenue, production credit, and business activity metrics. This role supports data-driven decision-making by developing reporting tools, dashboards, and analytics that provide visibility into key performance indicators. The Financial Analyst partners with internal stakeholders to deliver accurate insights, improve reporting capabilities, and support strategic initiatives related to producer performance and equity programs. Key Responsibilities: Producer Performance Reporting: Track and report on monthly producer metrics, including gross revenue, new business, and lost business activity. Equity Program Tracking: Monitor producer performance related to equity programs, ensuring accurate production credit and proper handling of deviations. Earn-Out Reporting: Track and analyze individual producer performance related to earn-out structures and payout triggers. Ramp Performance Analysis: Monitor and report on performance of ramping producers, identifying trends and variances against expectations. KPI & Metrics Reporting: Develop and deliver organizational KPIs and performance metrics related to producer activity and outcomes. Dashboard Development: Partner with the Data Analytics team to design and maintain Power BI dashboards for real-time visibility into producer performance. Financial Analysis & Insights: Analyze data trends and provide actionable insights to support business planning and performance improvement initiatives. Forecasting Support: Assist with cash flow forecasting related to producer equity programs and compensation structures. Capital & Program Analysis: Support analysis of cap table implications and financial impacts associated with producer equity programs. Professional Development: Continuously improve professional skills by participating in internal/external development opportunities. Champion IOA Values: Demonstrate integrity and leadership. Ideal Candidate Qualifications: Bachelor’s degree in Finance, Business Administration, or a related analytical field preferred 2+ years of financial analysis or data analytics experience Advanced proficiency in Microsoft Excel Experience with reporting and analytics platforms (Power BI preferred) Strong analytical, research, and problem-solving skills Excellent organizational and prioritization skills with ability to manage multiple priorities Outstanding verbal and written communication skills Ability to work independently with high accuracy and attention to detail What We Offer: Competitive salaries and bonus potential Company-paid health insurance Paid holidays, vacations, and sick time 401K with employer match Professional growth and career progression opportunities Respectful culture and work/family life balance Community service commitment Supportive teammates and a rewarding work environment What to Expect (Application Process): 30-Minute Phone Screen, Online Assessments, and Interview(s) Salary Range The expected pay range for this position is $65,000 to $85,000 per year, depending on experience, relevant skills, and geographic location. Insurance Office of America is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.
Posted 4 weeks
Financial Analyst
Insurance Office of America - Middleburg, FL 32068
Job Description: Title: Financial Analyst Work Mode: Fully Remote | Supporting: Longwood, FL office | Experience: Bachelor's degree. Must have 2+ years of financial related experience. Strong in MS Excel. Please note: If this position is posted as either fully remote and/or hybrid, in accordance with company policy, individuals residing within a 50-mile radius of a branch location may be required to work onsite in a hybrid capacity as there may be occasions when on-site presence is necessary to meet specific business needs. Additionally, our remote work policy includes having a dedicated, distraction-free workspace. Remote work is not a substitute for childcare, elder care, or other personal responsibilities during working hours. To view our branch locations, please visit: ioausa.com/locations About the Role: Responsible for analyzing and reporting on producer-level financial and operational performance, including revenue, production credit, and business activity metrics. This role supports data-driven decision-making by developing reporting tools, dashboards, and analytics that provide visibility into key performance indicators. The Financial Analyst partners with internal stakeholders to deliver accurate insights, improve reporting capabilities, and support strategic initiatives related to producer performance and equity programs. Key Responsibilities: Producer Performance Reporting: Track and report on monthly producer metrics, including gross revenue, new business, and lost business activity. Equity Program Tracking: Monitor producer performance related to equity programs, ensuring accurate production credit and proper handling of deviations. Earn-Out Reporting: Track and analyze individual producer performance related to earn-out structures and payout triggers. Ramp Performance Analysis: Monitor and report on performance of ramping producers, identifying trends and variances against expectations. KPI & Metrics Reporting: Develop and deliver organizational KPIs and performance metrics related to producer activity and outcomes. Dashboard Development: Partner with the Data Analytics team to design and maintain Power BI dashboards for real-time visibility into producer performance. Financial Analysis & Insights: Analyze data trends and provide actionable insights to support business planning and performance improvement initiatives. Forecasting Support: Assist with cash flow forecasting related to producer equity programs and compensation structures. Capital & Program Analysis: Support analysis of cap table implications and financial impacts associated with producer equity programs. Professional Development: Continuously improve professional skills by participating in internal/external development opportunities. Champion IOA Values: Demonstrate integrity and leadership. Ideal Candidate Qualifications: Bachelor’s degree in Finance, Business Administration, or a related analytical field preferred 2+ years of financial analysis or data analytics experience Advanced proficiency in Microsoft Excel Experience with reporting and analytics platforms (Power BI preferred) Strong analytical, research, and problem-solving skills Excellent organizational and prioritization skills with ability to manage multiple priorities Outstanding verbal and written communication skills Ability to work independently with high accuracy and attention to detail What We Offer: Competitive salaries and bonus potential Company-paid health insurance Paid holidays, vacations, and sick time 401K with employer match Professional growth and career progression opportunities Respectful culture and work/family life balance Community service commitment Supportive teammates and a rewarding work environment What to Expect (Application Process): 30-Minute Phone Screen, Online Assessments, and Interview(s) Salary Range The expected pay range for this position is $65,000 to $85,000 per year, depending on experience, relevant skills, and geographic location. Insurance Office of America is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.
Posted 4 weeks
Senior Commercial Credit Underwriter
VyStar Credit Union - Jacksonville, FL 32202
At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement-available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Senior Commercial Credit Underwriter Incumbent’s primary function is to effectively underwrite, analyze and assess the risks for proposed and funded member business credits to new loans, renewals, modifications, annual reviews, work-out and troubled debt restructures (TDR), automated clearing house (ACH) payroll accounts, commercial real estate (CRE), commercial and industrial (C&I), business equipment, business vehicles, business credit cards, business unsecured lines of credit (BLOC) and other specialized business and commercial credit products. The incumbent must effectively utilize their judgment, skills and experience while analyzing business credit files including identifying financial trends, risks, and strengths/weaknesses. A Senior Commercial Credit Underwriter will be responsible for underwriting and analyzing the larger and more complex business and commercial credits and reviewing credit files completed by other Underwriters. In addition, a Senior Commercial Credit Underwriter may be required to review appraisals, environmental reports, loan committee agendas and minutes, and any other work completed by other Underwriters for accuracy and completeness. The incumbent must possess advanced knowledge regarding standard underwriting procedures, interpretation of financial data, appraisal reports, environmental assessment reports, and be proficient in interpreting legal documents to minimize risk to VyStar and within the portfolio. The incumbent must be knowledgeable of business lending State and Federal regulations as well as VyStar’s policies and procedures and apply this knowledge during their analysis of business credit requests and annual reviews to maintain compliance with these requirements. ESSENTIAL JOB FUNCTIONS Responsible for the review, independent, and objective underwriting of business credits from minimum VyStar limits more than $10,000,000. Possess an advanced understanding of all documentation submitted by borrower and/ or prepared by VyStar to determine risks involved and clearly communicate analysis to proper loan approval authority. Assure credit quality is maintained throughout the business loan portfolio; this includes the maintenance of ticklers, reports, and forms. Continued education regarding the current and future economic conditions of industries borrowing money from VyStar Credit Union. Assemble pertinent information and reports for the Business Credit and Servicing Manager as required. Identify and make recommendations for process improvements, increased efficiencies, and quality service to ensure timely loan decisions. The Senior Commercial Credit Underwriter may be required to review appraisals, environmental reports, loan committee agendas and minutes, and any other work completed by less experienced Commercial Credit Underwriters for accuracy and completeness. Maintain an ongoing knowledge of current regulatory, policy and procedure changes. Perform to all established metrics, goals and standards as outlined by department management and in VyStar Policy and Procedure Work together with peers and management to provide quality service during both internal and external engagements. Perform annual loan reviews of existing portfolio to determine continued repayment capacity and potential risks. Responsible for thorough review and analysis of all appraisal reports and environmental assessment reports with all findings being documented and reported to the loan approving authority. Conduct annual field audits (collateral inspections) of existing portfolio to analyze collateral risk as required. Adhere to VyStar Credit Union and departmental policies and procedures Maintains ongoing knowledge of current economic conditions that may affect the business services loan portfolio and create potential risks. Evaluate and analyze business loan and commercial requests and make informed, accurate and complete credit recommendations to management. Serve as the Acting Business Credit Manager in their absence as necessary. Other essential duties as assigned by Business Credit Manager and VP-Business Credit and Servicing. Communicate with members, prospective members, and vendors as applicable. Provides leadership, training, and support to the team as well as other internal partners by mentoring and coaching as appropriate. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: Focus - Focus your full attention by carefully listening to and observing client or member. Connect - Consistently be friendly and approachable. Demonstrate your care. Understand - Listen empathetically and ask questions (70%/30% rule). Counsel - Recommend solutions based on your member’s needs and objectives. Advance - Ensure that member’s expectations were exceeded. Verify necessary follow-up actions. JOB QUALIFICATIONS Education BA/BS degree with emphasis in Accounting, Business or Finance Relevant work experience may be substituted on a 2:1 ratio in lieu of a BA/BS degree. Knowledge, Skills and Abilities Minimum of eight (8) years of experience in a business/commercial credit underwriting and analysis environment within a financial institution. Advanced knowledge of business tax returns and business financial statements. Advanced understanding of financial analysis including cash flow, profitability, liquidity, leverage, and solvency. Advanced knowledge of standard underwriting theory. Demonstrated ability to successfully structure complex credit requests that minimize risk while providing member value. Basic understanding of generally accepted accounting practices. Knowledge of State and NCUA regulations. Highly developed written and verbal communication skills. Professional interpersonal skills, including the ability to build rapport and professionally interact at all levels with the organization. Must be highly motivated Ability to work independently, as well as in a team environment, in a high-pressure environment with ever-changing priorities on a professional level. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that 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. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects. VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means. Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members. Thank you again for your interest in this position! VyStar Credit Union Human Resources
Posted 4 weeks
Registered Representative – State Farm Agent Team Member
State Farm - Palm Coast, FL 32137
Benefits: Paid time off Training & development Bonus based on performance ROLE DESCRIPTION: As a Registered Representative - State Farm Agent Team Member with ryan larmann - State Farm Agent, you will successfully market the financial products that manage everyday risks. Your proficient knowledge of financial products reinforces your sales-minded and consultative approach to educating customers on their financial options. Your analytical precision makes you an invaluable resource to customers and a competitive addition to a successful agency. RESPONSIBILITIES: Provide investment options and consult securities to customers. Conduct financial needs analysis and recommend investment products. Manage customers portfolios and provide ongoing support. Stay updated on market trends and regulatory changes. Conduct presentations and seminars on investment topics. Maintain accurate records of transactions and customers interactions. Ensure compliance with industry regulations and standards. QUALIFICATIONS: Series 6 or 7 license and other relevant certifications. Strong knowledge of investment products and financial markets. Communication and customer service skills. Ability to build and maintain customers relationships. Detail-oriented with strong analytical skills. Proficiency with financial software and tools. High ethical standards and professionalism.
Posted 4 weeks
Associate Financial Advisor
Ameriprise Financial - Jacksonville, FL 32256
*Job Overview* Join our dynamic team as an Associate Financial Advisor and become a vital partner in helping clients achieve their financial goals. In this energetic role, you will assist in developing personalized financial strategies, providing expert guidance on investment options, estate planning, and wealth management. Your proactive approach will empower clients to make informed decisions, ensuring their financial futures are secure and prosperous. This position offers a fantastic opportunity to grow your expertise in financial services while making a meaningful difference in people's lives. *Responsibilities* * Collaborate with senior advisors to analyze clients’ financial situations and craft tailored financial plans. * Assist clients with investment management, including portfolio analysis and asset allocation strategies. * Support the development of estate planning solutions, including wills, trusts, and estate law considerations. * Conduct research on financial products, securities law updates, and market trends to inform advice. * Maintain detailed records of client interactions, financial analysis reports, and compliance documentation. * Engage in sales activities by identifying client needs and presenting suitable financial solutions. * Use financial software tools to perform cash management, tax planning, and wealth management analyses. *Requirements* * Strong understanding of financial concepts such as investment management, portfolio management, and cash flow analysis. * Knowledge of estate planning, wills, trusts & estate law, securities law, and tax experience is highly desirable. * Excellent mathematical skills with the ability to interpret complex financial data accurately. * Prior experience or education in financial services, accounting, or related fields is preferred. * Proficiency with financial software applications and customer relationship management (CRM) systems. * Effective communication skills to build trustful client relationships and explain technical concepts clearly. * A proactive attitude with a passion for continuous learning about financial analysis, research, and asset management. Embark on a rewarding career that combines technical expertise with client-focused service! We’re committed to supporting your professional growth as you help clients navigate their financial journeys confidently. Pay: $75,000.00 - $150,000.00 per year Work Location: In person