Analyst Credit Commercial Jobs

Senior Financial Analyst - Commercial Credit

From $15/yr

An exciting career awaits you At MPC, we’re committed to being a great place to work – one that welcomes new ideas, encourages diverse perspectives, develops our people, and fosters a collaborative team environment. Position Summary The Senior Financial Analyst plays a critical role within the Corporate Finance team, reporting directly to the Corporate Finance Director. This position is responsible for delivering high-impact financial insights, driving process improvements, and supporting strategic decision-making across Treasury and corporate finance functions. The ideal candidate is a fully competent and experienced professional who serves as a subject matter expert in their domain. They are expected to work independently in most situations, providing guidance to less experienced analysts and contributing to the development of best practices. \\This position is part of a job family with multiple grade levels. The successful candidate will be placed at a level commensurate with experience and qualifications\\ Key Responsibilities * Fully competent, experienced professional; able to carry out range of professional duties and acts as subject matter expert within their field. Identifies financial risks and collaborates on strategies to mitigate them. * Solves complex problems; takes a broad perspective to identify solutions to Treasury process and technology related challenges. Identifies business process improvement opportunities and contributes to the development of best practices. * Works independently, with guidance in only the most complex situations while acting as a resource for financial analysts with less experience. * Collects and analyzes data to identify trends, patterns, and insights that can inform business decisions. * Actively seeks and implements ways to enhance processes, systems, or automation to provide more time for in-depth analysis and commentary. May lead Treasury projects or participate in Treasury aspects within a cross organizational project. * Develops strong relationships with key business partners. * Monitors and/or develops KPIs to proactively identify and communicate financial and business risks to internal and external business partners. Minimum Requirements * Bachelor’s degree in Business, Finance, Accounting, or related discipline required. * Six (6) years in Accounting, Finance, or related field required. * Proficiency working in Salesforce is preferred. * Prior Commercial Credit experience is a plus. * Prior experience reviewing financial statements is a plus. Skills * Must have excellent verbal and written communication skills. * Strong abilities to resolve issues effectively, clearly convey decisions and thinking, and distill complex information into succinct summary form are required. Travel * Travel is expected to be 15-25% based upon business needs. As an energy industry leader, our career opportunities fuel personal and professional growth. Location: Findlay, Ohio Additional locations: Job Requisition ID: 00021586 Location Address: 539 S Main St Education: Bachelors (Required) Employee Group: Full time Employee Subgroup: Regular Marathon Petroleum Company LP is an Equal Opportunity Employer and gives consideration for employment to qualified applicants without discrimination on the basis of race, color, religion, creed, sex, gender (including pregnancy, childbirth, breastfeeding or related medical conditions), sexual orientation, gender identity, gender expression, reproductive health decision-making, age, mental or physical disability, medical condition or AIDS/HIV status, ancestry, national origin, genetic information, military, veteran status, marital status, citizenship or any other status protected by applicable federal, state, or local laws. If you would like more information about your EEO rights as an applicant, click here. If you need a reasonable accommodation for any part of the application process at Marathon Petroleum LP, please contact our Human Resources Department at talentacquisition@marathonpetroleum.com. Please specify the reasonable accommodation you are requesting, along with the job posting number in which you may be interested. A Human Resources representative will review your request and contact you to discuss a reasonable accommodation. Marathon Petroleum offers a total rewards program which includes, but is not limited to, access to health, vision, and dental insurance, paid time off, 401k matching program, paid parental leave, and educational reimbursement. Detailed benefit information is available at https://mympcbenefits.com.The hired candidate will also be eligible for a discretionary company-sponsored annual bonus program. Equal Opportunity Employer: Veteran / Disability We will consider all qualified Applicants for employment, including those with arrest or conviction records, in a manner consistent with the requirements of applicable state and local laws. In reviewing criminal history in connection with a conditional offer of employment, Marathon will consider the key responsibilities of the role.

Analyst Credit Commercial

Empowering Africa’s tomorrow, together…one story at a time. With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group. Job Summary The purpose of the role to conduct an in‐depth, specialised and quality credit assessment and risk analysis on potential and a Growth Portfolio, to enhance the decision-making process involved in determining the Bank's appetite to extend credit to these clients. Financial analysis, interpretation and capturing of client information (company financial statements) and qualitative data. Job Description Risk Management Monitor client’s performance on a continuous basis for risk indicators and perform formal reviews at specified time intervals to identify any changes in the client's business or operating environment. Monitor adherence of covenants and conditions on a continuous basis and discuss any deviations and possible concerns with Sales team and escalate to Line Management and Credit if necessary. Adhere to ARMS credit requirements as stipulated in the Absa credit policy. Monitor and report boundary events in terms of the Operational Risk Boundary. Obtain input from Product Industry Specialist, where appropriate to assist in client solutioning and credit application process. Identify the need for a meeting between high-risk clients, Credit and Business Support. Request updated valuations on properties that serve as security for facilities in line with Absa Credit policies. Manage and communicate the risks associated with outstanding securities. Pro-actively identify problematic /high-risk clients and advise Credit, accordingly, manage them with a view to provide special input and implement loss preventative measures i.e., EWL Reports. Request and manage outstanding Financial Statements as stipulated in the Absa Credit policy. Action and manage daily Odex, Referrals, REPL and REPC. Contact clients that are on the referral listing for rectification. Credit Management Explore new, improved, and alternative ways of solutioning client credit requirements. Adhere to Bank’s credit policies and procedures and ensure that they are fully complied with and that any policy breaches have been suitably addressed and mitigated. Provide bank codes and reports on clients. Pro‐actively manage credit risks associated with the portfolio of clients and their related products. Manage and drive the deal forum process to ensure quality applications are submitted to the sanctioners with sustainable credit solutions. Portfolio Financial and Operational Management Compile reviews, amendments, and new applications to the appropriate lending authorities. Issue facility letters to clients after reviews have been compiled and new facilities granted. Draft and issue letters of reminder when facilities expire according to policy requirements, for example 30-, 60- and 90-day letters. Contribute to the Non‐Interest Income by ensuring recovery of manual fees (e.g., Reviews, valuations) to avoid revenue leakages. Spread client's financials on the various Credit Risk Grading models i.e., Agri Model, RiskCalc Model and Triad. Provide the Default Grading (DG) output from the Credit Risk models. Capture all information on the various risk grading models 100% accurately by checking that all the models balance. Client Solutioning and Customer Service Identify cross sell opportunities from analysis of Client's financials, account conduct and industry change and pass on to Relationship Executive/Transactional Banker as a lead. Be part of the solution by attending sales best practice sessions with relevant stakeholders, give credit input to mitigate risk on the identified product offering or new acquisition, and monitor progress on the sales funnel, until the lead is converted into a deal. Conduct research on the industry in which the portfolio clients operate, to understand the industries overall profitability, industry trends and clients market standing relative to their competitors. Teamwork and Self Development Attend team meetings and contribute fully, including suggestions for ways of improving customer service and meeting targets. Develop supportive relationships with colleagues and create a sense of team spirit. Communicate concerns or challenges that derive from team interactions in a constructive and positive manner. Develop and maintain contacts with Specialists in other areas of Relationship Banking and the Group. Keep abreast of regulatory changes through regular training. Monitor available L&D courses to develop your own training whilst helping others in the team to develop theirs. Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to ABSA's values and vision. Competencies: Planning and organising Working with people Writing and reporting Financial analysis Applying expertise and technology Entrepreneurial and commercial thinking Persuading and influencing Other The position is On-site and will require some physical travel to clients. Minimum Qualifications/Requirements Bachelors Degrees and Advanced Diplomas - Business, Commerce and Management Studies, Credit Risk with five years or more of relevant work experience. Strong computer skills and experience with Microsoft Office, especially Excel. Agricultural Credit Analysis experience (Advantageous) Education Bachelors Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required) Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank. Absa Bank Limited reserves the right not to make an appointment to the post as advertised Absa Group Limited (“Absa Group”) is listed on the Johannesburg Stock Exchange and is one of Africa’s largest diversified financial services groups. Absa Group offers an integrated set of products and services across personal and business banking, corporate and investment banking, wealth and investment management and insurance. Absa Group owns majority stakes in banks in Botswana, Ghana, Kenya, Mauritius, Mozambique, Seychelles, South Africa, Tanzania (Absa Bank Tanzania and National Bank of Commerce), Uganda and Zambia and has insurance operations in Botswana, Kenya, Mozambique, South Africa and Zambia. Absa also has representative offices in China, Namibia, Nigeria and the United States, as well as securities entities in the United Kingdom and the United States, along with technology support colleagues in the Czech Republic.