• Approving or declining credit requests within delegated credit authority in a timely manner
• Assisting in the preparation of credit applications exceeding established authority
• Recommending where appropriate an alternative credit option
• Ensuring credit decisions comply with policies, procedures and guidelines
• Managing the credit organisation and all the credit processes in-country
• Managing and motivating a small team
• Lead, design, and create legal infrastructure across various jurisdictions allowing Goldfinch investors to create real-world security that is tied to on-chain Goldfinch Borrower pools
• Lead, design, and create legal document templates across various jurisdictions Goldfinch Borrowers can utilize to raise debt 

Skills: Credit Analysis, Application Management, Alternative Credit, Policy Compliance, Process Management, Team Leadership, Legal Infrastructure, Template Creation

• Develop and implement credit policy and ensure credit risk is appropriately managed
• Lead, motivate and develop the Credit team to ensure effective and efficient cash collection
• Build strong relationships with major customers to resolve outstanding issues and identify win / win solutions.
• Provide input to the ongoing review of business processes and systems to ensure continuous improvement
• Develop, implement, and report on performance measurements for the credit function
• Build out new products with the goal of bridging the Defi and TradFi worlds in order to help build a more trusted and resilient protocol
• Work with the wider Goldfinch team to ideate, design, and bring new products to life with the end goal of creating more real-world utility for crypto through the Goldfinch Protocol
• Build a global base of Fintech borrowers to interface with the protocol
• Build a global base of Fintech operators/credit investors who can deploy knowledge and capital through the protocol

Skills: Credit Policy Development, Team Leadership, Relationship Management, Process Improvement, Performance Metrics, Product Development, Crypto Utility Enhancement, Fintech Network Expansion

• Optimize, harmonize, and automate credit policy implementation across the consumer lines of business (Residential & Small Business) and their respective sales channels
• Document credit policies and drive implementation of proper systematic and managerial controls
• Produce scenario-based projections by customer type and risk profile based on proposed changes to credit guidelines and sales practices
• Own the relationships with key suppliers and vendors needed to extend and enforce credit policies including management and reconciliation of operational and capital budgets
• Extract, join, and clean data from various business intelligence, data warehouse, and financial system sources to provide recurring reporting on key credit and risk related metrics
• Define and execute tests to drive data-based enhancements to credit policies
• Establish ongoing analysis of credit policies and partner funding guidelines to maximize cash flow to the business and reduce attrition
• Provide recurring reporting on key credit-related metrics
• Present key findings to business leaders, with recommendations based on data-driven insights

Skills: Policy Optimization, Credit Documentation, Risk Projections, Supplier Relationship Management, Data Analysis, Policy Testing, Cash Flow Analysis, Strategic Reporting

• Formulating and recommending general credit policy with support from the country credit committee and assuring adherence to accepted standards
• Reviewing major lease, purchase, or conditional sales contract proposals to identify and minimize credit risk
• Proposing credit limits and supports Local Divisions on credit decisions
• Maintaining frequent communications with sales function and performs credit reviews with Local Business Units on a regular basis
• Supporting Local Divisions in settlement of delinquent accounts when established parameters are not met
• Managing all account issues involving bankruptcy and other legal proceedings
• Promoting a focus on customer centricity by ensuring that credit decisions are communicated constructively with consideration of suggestions.
• Advocates a one team culture and delivers credit coaching to embed process improvement and build credit skills capability for the RAMS Franchise Network.
• Delivering high quality credit decisions
• Making credit decisions on RAMS Home Loan Application
• Contributing to maintaining team service level agreements
• Providing an escalation point for decisions outside CAL

Skills: Credit Policy Formulation, Risk Identification, Credit Limit Setting, Credit Review Coordination, Delinquency Management, Legal Issue Handling, Customer-Centric Practices, Decision Escalation

• Assess the ability of the analyzed counterparties to repay debt on a sustainable fashion through the analysis of the material prepared by the originating units.
• Propose FED scale risk ratings for approval by the Puerto Rico Branch Credit Committee
• Monitor the aspects of the credit portfolio on a regular basis, including the preparation of collateral, covenant and other monitoring reports, as per Puerto Rico branch procedures.
• Maintain the credit files organized and update, including documents that may need translation. 
• Responsible for identifying translation needs and requesting them as per Puerto Rico branch procedures.
• Engage with regulators, auditors, loan review examiners as the case may be
• Review Puerto Rico branch credit policies and procedures
• Participate in Puerto Rico branch governance meetings that require engagement from the Head of Credit
• Maintain contact with originating credit and commercial teams throughout the lives of the transactions booked in the Puerto Rico branch.
• Ensure compliance with regulatory requirements and internal policies.

Skills: Debt Repayment Assessment, Risk Rating Proposal, Credit Monitoring, Documentation Management, Regulatory Engagement, Policy Review, Governance Participation, Compliance Assurance

• Manage the due-diligence process for prospective clients, working closely with sales leadership to ensure timely completion while being thorough in review.
• Review of debtor credit management, aiding in the growth of the portfolio while mitigating risk.
• Review of client performance, which includes monitoring client credit limit, client aging performance, client dilution, and client purchase activity.
• Review of client/debtor concentration levels, performing risk analysis.
• Analysis of internal debtor pay trend in relation to industry average. 
• Working with ECS Collections Supervisor to ensure that ECS is keeping pace or outpacing industry averages.
• Build relationships with leadership team, direct reports, and internal customers.
• Actively engage in scheduling, planning and facilitating an effective one-on-one with my leader and direct reports on a weekly basis.
• Proactively analyze personal and team performance and engage in feedback from my leader and direct reports.
• Develop a cadence of review, reporting, and communicating results of risk areas within ECS Factoring Portfolio.
• Provides visibility and exemplary communication on sales process.
• Meets defined department goals and activity metrics.

Skills: Due Diligence Management, Debtor Credit Review, Client Performance Monitoring, Risk Analysis, Collaboration with Collections, Relationship Building, Performance Analysis, Communication Excellence

• Manage a team of Credit Analysts to direct and coordinate internal credit workflow
• Direct team of underwriters to complete credit analyses for all types of credit information on existing and prospective customers, including individual persons and public/private corporations and real estate assets, and provide initial and ongoing training, coaching, and mentorship to existing and new underwriters.
• Oversee portfolio risk by ensuring timeliness and accuracy of all credit actions and by providing guidance on credit structure and risk rating decisions.
• Coordinate work with Credit, Loan Administration, and other groups, promoting quality credit documents and streamlining workflow among underwriting, credit approval, and loan administration.
• Collaborate with Commercial and Small Business leaders on leading/supporting business initiatives and proactively develop and present credit policy recommendations to mitigate risk
• Analyzing commercial credit and small business opportunities like cash flow, debt service coverage, leverage, liquidity, collateral loan to values, risk analysis, etc.
• Generate quality credit memos for credit committee with supporting documentation and assist members and internal departments with research and resolution of problems relating to business services commercial lending products.
• Ensure the integrity of the loan origination and annual review process by verifying accurate business loan data
• Ensure loan recommendations conform to the Credit Union's lending policies and are in compliance with regulatory and legal requirements.
• Work with the Business Intelligence team in creating and communicating critical performance data related to all commercial products and services.

Skills: Credit Team Management, Underwriting Direction, Portfolio Risk Oversight, Workflow Coordination, Business Collaboration, Credit Analysis, Documentation Integrity, Performance Data Communication

• Responsible for the complete Credit assessment and underwriting of mortgage. 
• Complete responsibility for end to end from login to disbursal of loans
• Improve customer experience by delivering best-in-class turnaround Time(TAT).
• Evaluating the creditworthiness of potential customers based upon multiple online and offline data sources, financial and non-financial analysis. 
• Verifying the information provided by the customers and conducting personal discussion with the client.
• Coordinate with legal, technical, and processing vendors and train them processes and policies, and improve the TAT
• Rationalizing and simplifying processes and policies, in line with business requirements
• Work with IT and other supporting departments on necessary technology, projects, and enhancements.
• Oversee direct reports with a focus upon serving members, collaborating with partners, employee engagement, career-pathing, and career development.
• Adhere to all applicable Federal and State laws and regulations governing the Credit Union, including the Bank Secrecy Act (BSA).

Skills: Credit Assessment, Loan Processing, Customer Experience, Creditworthiness Evaluation, Vendor Coordination, Process Simplification, Technology Collaboration, Regulatory Compliance

• Proven experience in the banking and finance sector preferably in Line 1 consumer lending roles from a credit assessment, policy and sales perspective.
• Experience working in a retail credit decisioning environment.
• Understanding of APRA, ASIC regulatory and responsible lending requirements and how this impacts policy.
• Advanced knowledge in the analysis and income extraction of business financial statements for complex self-employed customers (company, trust and multiple entity trusts).
• Advanced knowledge in the analysis of PAYG income documentation and valuation reports.
• Personal Credit Underwriting Authority of $5 Million
• Good judgment and decision-making ability
• Good spoken and written communication skills
• Confident and assertive manner
• High degree of accuracy and attention to detail

Qualifications: BS in Finance with 5 years of Experience

• Work experience in Banking, Finance, Accounting, Economics, Business Administration, 
• Computer Science or similar with Credit or financial statement analysis experience preferred.
• Demonstrated knowledge of accounting and its practical application in the credit underwriting process
• Broad based experience in structuring bilateral credit agreements, knowledge of complex credit products
• Intermediate to advanced proficiency in Microsoft Office (Excel, Power Point, Access, Word, Visio, etc).
• Excellent time management and organizational skills.
• Excellent written and spoken English skills. 
• Clear and concise written and verbal communication skills.
• Ability to filter, prioritize and validate potentially complex and dynamic material from multiple sources.
• Formal credit training or knowledge of financial accounting standards (international and/or domestic) 
• Strong understanding of Commercial Banking Business and Market
• Knowledge of Citi's organization and systems.

Qualifications: BS in Accounting with 8 years of Experience

• Knowledge of associate dealer program operation, create and manage various types of reports, and US Market including channel structure
• Basic MS-Office skills required (Excel, Outlook, PowerPoint, and Word)
• Experience motivating and inspiring individual and group goals required
• An equivalent combination of education and experience
• Experience working for an international company
• Good organizational and prioritization skills
• Ability to work under pressure and to deadlines
• Good business sense and commercial awareness
• Excellent math and computer skills

Qualifications: BS in Business Administration with 5 years of Experience

• Extensive experience with Ag Credit and sales.
• Progressively responsible experience within a major company or division of a large corporation.
• Accredited Credit certification will be given preference.
• Experience with AGRIS and Prophix desired.
• Expert level of experience and knowledge in Microsoft Excel.
• Prior supervision of Credit employees and ability to positively motivate direct reports 
• Knowledge of customer service practices and providing superior service to the organization, its customers and vendors.
• Knowledge of general accounting principles and concepts.
• Knowledge of credit process.
• Advanced in Excel (vLookup, Pivot Tables), Word, Outlook

Qualifications: BA in Economics with 6 years of Experience

• Experience commercial credit or finance experience 
• A history of continuing education and development
• Comfortable making quick/calculated decisions
• Validated ability to work collaboratively across an organization and provide excellent leadership, operational, and interpersonal skills.
• Motivation to be innovative with a continuous improvement attitude, and act as a change agent, all while focusing on internal control and risk-management
• Strong communication skills for communicating with departmental staff, internal and external customers and vendors.
• Solid analytical and problem solving skills, with a focus on being detail orientated.
• Ability to work in a dynamic environment that can sometimes be ambiguous.
• Ability to prioritize projects, work relatively independently, manage multiple tasks, and meet deadlines (time management) on an individual and departmental basis.
• Strong customer service skills.
• Ability to assess the accuracy of statements, reports, customer and vendor accounts.

Qualifications: BS in Risk Management with 7 years of Experience

• Credit and risk analysis required, preferably in a bank or other finance institution passionate about credit-related investment analysis
• Dynamic commercial credit and risk assessment experience
• Extraordinary skills in financial statement analysis and evaluation of credit dynamics is required
• Strong communication skills with ability to provide succinct and articulate credit analysis and recommendations within Apple, and to effectively and confidently engage with the senior finance and executive teams of customers
• Strong negotiation skills to minimize risk exposure while balancing the interests of stakeholders
• Extensive experience in risk mitigation instruments including but not limited to bank guarantees and standby letters of credit as well as the associated legal nuances of such instruments
• Ability to work across functional teams in multiple projects and serve as a credible voice for the Credit team
• Relevant experience in the Middle East and Turkey markets and/or other similar emerging markets 
• Experience analyzing telecommunications, distribution and retail industry segments
• Trade credit assessment / collections experience 

Qualifications: BS in Finance with 5 years of Experience

• Managerial experience in credit and collections.
• Solid knowledge of current credit and collections law, the use of UCC’s, personal guarantees, skip tracing, and escrow monitoring.
• Strong computer skills, MS Word, Outlook, and Excel.
• Excellent written and verbal communication skills.
• Strong attention to detail, goal-oriented.
• Ability to analyze and resolve problems/situations quickly and appropriately.
• Excellent negotiation and interpersonal skills.
• Ability to work under pressure and deadlines.
• Experience in the implementation of new software systems 

Qualifications: BS in Accounting with 4 years of Experience

• Thorough knowledge of credit-related laws with emphasis on food related business
• Proficient in interpreting financial statements for the purpose of underwriting credit
• Strong problem solving and customer service skills
• Ability to manage relationships both internally and externally
• Energetic, detail oriented, able to adhere to deadlines
• Extensive awareness of and familiarity with, investment property and property development lending including, market conditions, key participants, trends, prices including valuation techniques, construction contracts, the cost to complete property development structures and associated reporting, and property loan structures.
• Understanding of standard and non-standard loan documentation and legislation as it affects financiers.
• Have Credit Sanctioning or Credit Risk experience within a Financial setting
• Strong analytical capabilities and be able to use a combination of knowledge, experience, and data to form sound business judgments and decisions
• Experience managing senior stakeholders in a complex environment

Qualifications: BA in Economics with 5 years of Experience

• Experience in the management of credit and collection team
• Practical, realistic, and decisive team-driven individual.
• Excellent analytical skills and pays attention to detail.
• Focus on getting results most efficiently.
• Good communicator including verbal and written.
• Comfortable in win-win negotiations, to find solutions acceptable to all parties.
• Reliable judgment thrives on autonomy and self-initiative.
• Knowledgeable about credit rights, lien rights
• Bonding and related aspects in the above jurisdiction and demonstrated track record in maximizing recoveries and minimizing write-offs.
• In-depth experience in ascertaining financial creditworthiness of clients and ensuring adequate assurances and guarantees are in place both on a day-to-day as well as projects.
• A highly organized entrepreneurial professional who thrives on Accountability and Team Leadership.

Qualifications: BS in Risk Management with 7 years of Experience

• Experience in Credit Management or similar Financial Management related role
• Relevant work experience in a high tech environment or business banking 
• Manager must have proven problem-solving abilities and strong analytical skills. 
• Intermediate skills in Excel, Access and Business Objects
• Superior communication and presentation skills are required due to the level of visibility within TMUS organizations and divisions. 
• Able to prioritize multiple tasks to meet tight deadlines. 
• A willingness to quickly shift priorities in response to changing business demands as well as learning new, complex work processes is expected
• Demonstrated ability to effectively influence and coach for the development of best practices and enhanced skill sets
• Experience in credit management or relevant domains
• Teamwork and customer oriented

Qualifications: BS in Accounting with 4 years of Experience