Credit Associate

🕒 5 dias atrás

🤠 Texas – Remoto

🤠 Texas – Remote

💵 $55.000 - $70.000 / ano

⏰ Tempo Integral

🟡 Pleno

🦅 Patrocina Visto H1B

Esta empresa já patrocinou vistos H1B no passado.

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• Aberta há 6 dias.
• As vagas desta empresa costumam ser preenchidas em 21 dias.

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Axos Bank

SiteLinkedInTodas as Vagas

1001 - 5000 funcionários

Fundada em 2000

🏦 Bancário

💸 Finanças

💳 Fintech

Banking • Finance • Fintech

O Axos Bank é uma instituição financeira que oferece uma variedade de serviços, incluindo banco pessoal e comercial, empréstimos comerciais e serviços de investimento. Eles fornecem contas correntes e de poupança, certificados de depósito, hipotecas, empréstimos pessoais e empréstimos para automóveis. O Axos Bank é conhecido por suas soluções de banco digital, incluindo um aplicativo móvel que permite aos clientes gerenciar suas finanças, fazer pagamentos e investir, tudo em um só lugar. O Axos Bank enfatiza a proteção avançada de dados para um banco online seguro e oferece contas de poupança de alto rendimento e ferramentas financeiras inovadoras.

Descrição

• Analyze the creditworthiness of new and established customers according to departmental and corporate thresholds, policies, and procedures • Review and analyze financial statements, credit reports, tax returns, public information, and other relevant financial documents • Evaluate risk associated with extending credit using financial data, market conditions, and industry trends • Use credit scoring models and tools to assign credit scores and ratings • Collect and verify information from credit bureaus, financial statements, tax returns, and customer interviews • Prepare comprehensive credit reports with financial assessments, risk levels, and approval or denial recommendations • Present findings and credit recommendations to senior management, underwriters, or loan committees • Ensure compliance with applicable laws, regulations, and lending standards • Communicate with applicants, lenders, and other stakeholders to gather information and explain credit decisions • Contribute to credit policy and procedure development and refinement • Monitor the credit performance of existing loans and credit lines and suggest remedial actions • Stay informed about industry trends, economic conditions, and credit-market changes affecting lending decisions

🎯 Requisitos

• Bachelor's degree in finance, accounting, economics, or a related field or 5+ years’ work experience • Strong analytical skills and proficiency in financial statement analysis • Knowledge of risk assessment techniques • Familiarity with regulatory guidelines and compliance requirements related to lending and credit • Excellent written and verbal communication skills • Attention to detail and the ability to work independently and as part of a team • Proficiency in financial software and data analysis tools • Problem-solving skills and the ability to make sound decisions based on available information • Prior experience in credit analysis or a related role is advantageous • Must successfully pass a credit check, criminal background check, and pre-employment drug screening, including marijuana screening • Must meet U.S. employment eligibility requirements through E-Verify/right-to-work verification

🏖️ Benefícios

• Eligible for an Annual Discretionary Cash Bonus Target: 10% • Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 10% • Medical, Dental, Vision, and Life Insurance • Paid Sick Leave • 3 weeks’ Vacation • Holidays (about 11 a year) • HSA or FSA account and other voluntary benefits • 401(k) Retirement Saving Plan with Employer Match Program • 529 Savings Plan • Employee Mortgage Loan Program • Free access to an Axos Bank Account with Self-Directed Trading

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