1,169 Lending Analyst jobs in the United States

Will include active credit management and monitoring for potential upgrades, downgrades or general credit deterioration with the goal of maximizing the banks net income while minimizing credit costs. Responsibilities: Support the credit analysis and Lending, Finance, Analyst, Associate, Total Rewards, Support, Technology

Do you want your voice heard and your actions to count? Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.With a vision to be the world's most trusted financial group, it's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details.Job DescriptionOverall Purpose of Job:Primary support for evaluating and underwriting Direct Loans and other credit exposures to Private Equity owned non-investment grade borrowers ranging in size from middle market to large corporate within the Sponsor Finance & Direct Lending business unit. Associates will also provide support for the Originations (Financial Sponsor coverage), Syndications, Monitoring and Sponsor portfolio company Relationship Management functions by assignment within the business unit.Associates will be a corporate finance professional, supporting Sponsor Finance & Direct Lending including non-investment grade transaction origination and credit analysis efforts. Critical functions include assessing risk factors associated with each credit and determining the appropriate risk ratings based on established policies and guidelines. Responsibilities will include active credit management and monitoring for potential upgrades, downgrades or general credit deterioration with the goal of maximizing the bank's net income while minimizing credit costs.Responsibilities: Support the credit analysis and management of the Sponsor/Direct Lending business unitPerform due diligence on new transactions as well as regularly scheduled evaluation of the existing loan portfolioProvide support for evaluating, structuring and negotiating terms and credit agreements with Sponsor clientsSupport the preparation of detailed credit analyses and required credit applications in accordance with internal policies and regulatory guidance, including the evaluation of company-specific, industry, and regulatory risks; and company historical operating performance, projected operating performance and capital structure.Modeling skills required for both the credit application process and quarterly review presentations.Provide support for coverage team's idea generation and pitch books for Sponsor clients and potential clients and attend client meetings as requiredProvide support for the syndication strategy, including lender presentations and liaison with participant lenders, including banks and private credit firmsResponsible for the coordination and communication of account information across various constituencies throughout the organization.Generalist coverage responsibilities including the need to understand current relevant industry conditions in assigned portfolio utilizing internal and external sources.Oversight of facility closing procedures including both operations and documentation.Advanced Client Solutions: Work within deal team environment (with GRM, Corporate Advisory, Capital Markets, and Syndications) supporting the development and analysis of financing structures/strategies, including leveraged capital markets and other product areas.Support credit analysis for structured credit transactions (derivatives transactions, margin lending, receivable securitizations, supply chain finance).Understand and maintain knowledge of industries represented in portfolio, including technical aspects and regulatory issues.Participate in client and bank meetings as necessary.Policy and Transaction Responsibilities: Support the communication with the credit approval division including final hold level strategies to ensure alignment of risk strategy and policy.Evaluate and establish appropriate ratings for transactions and correlate appropriate exposure level with regard to exposure on both a transaction and group level.Ensure compliance with policy and regulatory requirements.Requirements:Bachelor's degree, CFA candidacy is a plus.2+ years of work experience in financial institutions or equivalent credit risk related function analyzing corporate customersStrong financial modeling skillsKnowledge of accounting and corporate financeStrong written, verbal, and interpersonal skillsGood computer skills in Microsoft Word, Power Point, and Excel.Able to work independently and under pressure.The typical base pay range for these role(s) (analyst & associate) is depending on job-related knowledge, skills, experience, level and location and is between $110k-$175k base. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, and paid vacation, sick days, and holidays. For more information on our Total Rewards package, please click the link below.MUFG Benefits SummaryWe will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any.The above statements are intended to describe the general nature and level of 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 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 on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual's associates or relatives that is protected under applicable federal, state, or local law.

Commercial Lending Business Analyst Local to MA or New Hampshire. No relocation candidates Required Experience: Strong experience in commercial banking/lending or nCino is essential. The terminology and concepts in commercial banking/lending systems are similar. The candidate should focus on identifying business needs rather than letting the business dictate specific solutions. Tenure will depend on the individual, not necessarily on years of experience. Salesforce and nCino Integration: Salesforce is used for CRM, and nCino runs on Salesforce, making the two systems intertwined. Understanding Salesforce's organizational structure is critical for setting up opportunities and managing cases for clients. The CRM aspect is particularly important for the contact center, which tracks client interactions to provide a 360-degree view of the client's history (e.g., outstanding loans, call history).

• Comprehensive knowledge of laws, regulations, principles, and processes related to financial institutions.
• Strong analytical/problem solving, communication, organizational and interpersonal skills.
• Possess insight and judgment to initiate timely and appropriate action.
• Meticulous attention to detail.
• Skill in the operation of a PC with the use of Microsoft Office software and Browser based applications; ability to navigate internet and intranet applications.
• Ability to communicate complex ideas effectively, both verbally and in writing.
• Ability to establish and maintain effective working relationships with diverse groups of people
• Ability to effectively research and report on complex legal issues.
• Ability to organize, coordinate and prioritize a variety of activities simultaneously with limited supervision.
• Ability to act independently and confidentially, using discretion, and tact.
• Ability to distinguish and manage confidential material and information.
• Ability and desire to work in a team environment, with ability to establish and maintain effective working relationships in a diverse environment, including working with other departments.

• Compliance Officer Certification (NCCO, CUCE, or equivalent) is desirable.

• Ability to attend offsite conferences which may include travel by car or air.
• Ability to stand, bend, stoop, sit, walk, twist, and turn.
• Ability to use a computer keyboard and calculator.
• Ability to lift up to 15 pounds occasionally.
• Work environment is indoors, majority of the time is spent sitting at a desk.

• Act as a liaison ensuring a unified lending product vision by working closely with project sponsors, cross-functional teams, and assigned project managers to plan and develop scope, deliverables, required resources, work plan, budget, and timing for new initiatives.
• Develop and lead business requirements, testing plans, stakeholder engagement, communication and training strategies, and evaluation of results for our entire suite of Lending Products
• Gather & Analyze data from various internal and external sources to identify actionable items, product improvements, revenue opportunities and gain process efficiencies.

• Supports end users by answering questions, providing instructions, and gathering feedback to share with the technology team for issue resolution.
• Actively participates with the lending product teams to identify common issues and advance the team's knowledge and understanding of business process.
• Reviews technical documentation, such as user guides, how-to documents, training materials, and written communications, prior to distribution to colleagues to ensure accuracy and quality.
• Articulates and communicates lending products terminology and processes with technology experts to achieve the desired end state across applications for Comerica.
• Brings information and status updates back to manager on issues and status and provides alternatives for timely completion.
• Recommends and makes suggested changes to processes and policies.

• Collaborate with UX/UI designers to improve the user experience of the product.
• Conduct user research, interviews, and usability testing to gather feedback on product usability and satisfaction.
• Recommend enhancements and features to improve user experience
• Provides administrative support for applications and reports, and access changes, functionality configuration (e.g. "bank controls" in IBS)
• Updates and maintains department procedures, process lists and audit documentation.
• Prepares accurate training material for training sessions held for enhancements/upgrades and new project functionality
• Investigates and resolves issues or relating to system issues
• Tracks status of tickets and provide status to impacted users
• Coordinates resolution activities with vendors and/or CMA IT department

• Tests and installs new releases and system upgrades.
• Partners with Business Units to develop requirements for business processes and system enhancements.
• Functions as liaison with the vendor technical staff to resolve system issues and create new or maintain processes and/or forms including the document libraries
• Translate requirements into clear and actionable user stories or product specifications.
• Plan, execute, analyze and tests; evaluating the impact of changes or new features.
• Use data from tests to make data-driven decisions and optimize the product.
• Prepare reports and presentations to communicate insights, findings, and recommendations.
• Present data analysis and product performance evaluations to stakeholders and cross-functional teams.
• Clearly articulate complex concepts in a concise and understandable manner
• Develops new reports or modifications to existing -Monitors and coordinates changes on all incoming and outgoing data files

• Bachelor's degree from an accredited university in Business, Finance, or related field
• 3 or more years of experience in lending product management
• 3 or more years of experience in project management
• 3 or more years of experience in the financial service industry
• 3 or more years performing data or financial analysis and reporting

About Comerica
We know our employees are critical to our overall success and we are dedicated to investing in their future. One of the ways we do this is to offer a comprehensive Total Rewards package designed to recognize and reward individual performance, as well support health, well-being, development and security for our colleagues and their family. Total Rewards consists of cash compensation, development and flexible benefit programs designed to meet individual needs today and in the future. Your salary will be commensurate with your work experience and our programs are reviewed regularly to ensure each remain competitive. We are proud to offer benefits such as health and welfare programs, strong retirement benefits, and generous paid time off programs. You and your eligible family members, including domestic partners and their children, can participate in medical, dental, and vision benefits, 401(k) and pension, income protection benefits such as life insurance, AD&D, and supplemental health programs to offset unexpected health care expenses. We also have a variety of time off programs for things like vacation, sick time, disability, and parental leave. Eligibility for some programs varies based on employment status and tenure.

Upon offer, Comerica conducts a comprehensive background and fingerprint check. Your fingerprints will be used to check the criminal history records of the FBI and may be subscribed in the FBI's Record of Arrest and Prosecution Background ("RAP Back") service, which provides ongoing notification to the Company of any updates to your criminal history.

NMLS certification requirement: where applicable, a favorable background check screening, credit check, fingerprint check, and NMLS certification is required in accordance with the SAFE Act.

Comerica Incorporated (NYSE: CMA) is a financial services company headquartered in Dallas, Texas, and strategically aligned into three major business segments; the Commercial Bank, the Retail Bank, and Wealth Management. Comerica's colleagues focus on relationships, and helping people and businesses be successful. In addition to Texas, Comerica Bank locations can be found in Arizona, California, Florida and Michigan, with select businesses operating in several other states, as well as in Canada and Mexico.

Comerica is proud to be an Equal Opportunity Employer - disability/veteran.

Monitor and test processes within the Loan Servicing department to ensure quality, accuracy, and compliance. Analyze data from multiple sources, identify trends, reconcile discrepancies, and highlight areas for improvement. Collaborate with process improvement leads to review departmental policies, procedures, and perform risk assessments focused on identifying control gaps. Manage, conduct, and document QA activities across key loan operations functions, using reports and data to detect and resolve inconsistencies. In addition, prepare and present monthly management reports to support informed decision-making and continuous improvement across all lines of business within loan operations.

This position is expected to be hybrid.

NYC Salary Range - $83,130 - $93,000 annually; compensation is commensurate to geographic location.

• Regardless of seniority or role, uphold UNFCU’s mission, core values, and guiding principles by providing an exceptional service experience to colleagues and members alike through consistent demonstration of our service excellence behaviors.
• Create and maintain a process map of functions within each lending area.
• Create and update documentation of processes, reports, applications, and procedures as per department policy.
• Implement a 12-month matrix of functions in Loan Servicing with a calendar of processes to be monitored or tested.
• Maintain and complete a checklist of items to be monitored or tested, identify an appropriate sampling and perform the quality assurance testing on activities related to the servicing of UNFCU loans. This will include, but is not limited to, monitoring the portfolio for negative amortization, payment allocation, extreme rate testing, accurate accruals, prepaid mortgage payments, escrow disbursements, timely mortgage satisfactions, loan payoff requests, timing of notifications, etc.
• Review file maintenance report for accuracy of critical fields on a daily basis.
• Review the results of the completed post-closing quality control audits performed by staff on mortgage loans.
• Monitor tax and insurance tracking to ensure invoices are paid on time.
• Collaborate with fellow employees as needed to adequately perform all required tasks.
• Review department procedures for adequate controls and detect possible gaps or deficiencies.
• Analyze trends and develop ad-hoc or operational reports to meet ongoing business requirements.
• Communicate the scope and present results of the testing in a professional way to stakeholders.
• Develop and maintain procedures for monitoring and testing of loan servicing functions.
• Validate DNA reports are monitored as per procedure.
• Remain current on industry rules, regulations, and best practices to ensure testing program and processes comply with regulations.
• Perform other duties as requested by management.
• Ensure compliance with federal and state laws and regulations and UNFCU’s Code of Ethics & Business Conduct.

• Bachelor’s degree and 2-4 years of experience in mortgage compliance, servicing, monitoring and testing
• Strong understanding of applicable regulations and state laws of process to be monitored or tested
• Experience in a risk management or loan servicing role preferred
• Knowledge of mortgage lending regulations and compliance requirements (including but limited to UDAAP, Fair Lending, and state mortgage laws)
• Knowledge of consumer loan regulations
• Proficiency in MS Excel
• Familiarity with FISERV DNA is a plus

• Excellent analytical skills
• Strong organizational, multi-tasking, and time-management abilities
• Excellent communication skills, both verbal and written
• Strong attention to detail

UNFCU is a global not-for-profit financial institution that serves the UN community. We are committed to providing peace of mind to our members and colleagues and strive to achieve service excellence in all that we do. The best part of UNFCU is the people. Those that choose to work with us often find personal fulfillment, professional growth and a purposeful culture. 

UNFCU is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. UNFCU prohibits discrimination and harassment of any type. All applicants will be considered for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by country, federal, state or local laws.

Looking for Jr Business Analyst. Will be doing true technical BA work - testing/trouble shooting across 36 applications. This person will into SME for several product and applications.

Looking to cross train. They will primarily be working with core banking systems to improve them as they the two environments. A a lot of development of and documentation for user. The person will clean up and retool a lot of existing processes and how reporting down stream works. This team actually does all the work - coming up with plan/execution of plan and create details test plans.and then roll test plan out.

Retail banking experience is preferred with any type of lending or credit underwriting.