At National Bank of Arizona, we’re a community of professionals with relationships at our core. We strive to promote an engaging environment with accessible leadership and on-going employee development. We’re dedicated to our clients, shareholders and to each other. At NBAZ, the possibilities are endless – come for the job, stay for a career.

We are looking for a Sr. Loan Risk Grade Analyst to join our team.

This position is eligible to work from home with a flexible 3/2 work schedule (subject to periodic review).

Description of Duties:

+ Responsible to provide multi-dimensional modeling (MDM) risk grading for commercial loans of varying sizes and types, including Commercial and Industrial, Real Estate, Agricultural, Dealer, Non-profit, Leasing and Individuals.

+ Assist field personnel in proper model selection and structuring of risk grading.

+ Develop relationships with internal business partners through effective and timely communication.

+ Prepare information and data for necessary reports and audits.

+ Possess a firm understanding of risk grade guidance and policy to ensure risk grades are completed with dependable accuracy and reliable efficiency.

+ Responsible to create new grading scenarios and update existing scenarios already in the system along with resolution of data mismatches between the risk grade application and the loan system where the loan is boarded.

+ Be a Subject Matter Expert and a resource for lending personnel across the Bancorporation.

+ e readily accessible to field personnel and credit administrators to assist in problem resolution and discussion of ad hoc grading scenarios.

+ Other duties as assigned.

Qualifications:

+ Requires a bachelor’s degree in business, finance, accounting, or a related field

+ 4+ years experience with credit analysis, risk analysis, financial analysis, statistical modeling, general commercial or consumer lending.

+ A combination of education and experience may meet qualifications.

+ Employs advanced knowledge as a generalist or specialist of credit analysis, credit risk assessment, statistical modeling, accounting, spreadsheets, and databases.

+ General knowledge of commercial lending and loan structuring.

+ Self-motivated with strong time-management skills.

+ Ability to work independently as well as assist fellow team members with daily/weekly objectives.

+ Strong attention to detail when working with numbers.

+ Must have excellent analytical, customer service and communication skills, both verbal and written.

+ Strong problem resolution skills.

Req ID: 056480

Equal Opportunity Employer
It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.
If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at (801) 844-7628, Mon.-Fri. between 9 a.m. - 5 p.m. MST.
Click here to view applicable Federal, State and/or local employment law posters.

**About this role:**

Wells Fargo is seeking a Senior Lead Audit Manager on the Strategic Enterprise Risk Management (SERM) audit team within Corporate Risk and Capital Management (CRCM). In this role, you will lead audit coverage for areas that include Strategic Risk, Reputation Risk, and Enterprise Risk Programs. This role will play an active role in leading audit coverage for the firm's risk management transformation as well as coordinating audit coverage throughout the department.

**In this role, you will:**

+ Lead complex audit projects with the support of audit staff

+ Lead complex and unique challenges requiring in depth evaluation across multiple areas or the enterprise, delivering solutions that are long term

+ Manage defined audits within one or more segments of the Audit Plan

+ Ensure audit engagements are risk based, and executed according to Wells Fargo Internal Audit policies and guidance

+ Assist in planning and organizing work in an annual cycle and project cycle

+ Supervise and oversee assigned audits

+ Provide timely feedback, coaching and monitoring of audit work and staff

+ Develop and maintain solid business relationships within Wells Fargo Audit Services and with teams across Wells Fargo, and other stakeholders

**Required Qualifications, US:**

+ 7+ years of Audit experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

**Required Qualifications, International:**

**Desired Qualifications:**

+ A BS/BA degree or higher

+ Experience at a financial institution or accounting firm

+ Solid knowledge and understanding of audit or risk methodologies and supporting tools

+ Strong understanding of financial regulatory environment

+ Certification in one or more of the following: CPA, CAMS, CRCM, CIA, CISA or Commissioned Bank Examiner designation

+ Experience leading and providing feedback to staff on audit projects or engagements

+ Experience with Issue Validation and Remediation

+ Excellent verbal, written, and interpersonal communication skills

+ Prior experience in risk transformation and/or enterprise risk management

+ Exposure or experience to multiple risk disciplines.

May be considered for a discretionary bonus, Restricted Share Rights, or other long-term incentive awards.

**Job Expectations:**

+ Ability to travel up to 10% of the time

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

**Company:** WELLS FARGO BANK

**Req Number:** R-110017-2

**Updated:** 2022-01-16 02:03:04.764 UTC

**Location:** Chandler,Arizona

At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

**About this role:**

Wells Fargo is seeking a Underwriting Associate...

**In this role, you will:**

+ Be responsible for reviewing, analyzing, approving, and underwriting routine individual consumer requests and products with few deviations and within company and industry guidelines

+ Review credit applications, credit bureau information, collateral valuation, tax returns, financial statements, or other supporting documentation to recommend or approve requests within deaccessioning authority levels by way of automated scoring system or traditional underwriting

+ Assist with the calculations and preparation of reports for review

+ Respond to customer inquiries and credit decisions

+ Ensure credit files are current, complete, and compliant with company standards

+ Contact customers and partners to gather information to make appropriate decisions, and explain rationale behind credit decisions

+ Receive direction from leaders and exercise judgment while developing understanding of the Underwriting procedures

+ Provide information to team, managers and customers to related inquiries

**Required Qualifications, US:**

+ 6+ months of Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

**Desired Qualifications:**

+ Basic Microsoft Office skills

+ Strong analytical skills with high attention to detail and accuracy

+ Excellent verbal, written, and interpersonal communication skills

+ 1+ year of customer service experience

+ 1+ year of call center experience

+ Ability to provide strong customer service and develop customer relationships

+ Strong analytical skills with high attention to detail and accuracy

+ Ability to support and interact with the business units

**Job Expectations:**

+ Obtain delegation of authority within 60 days of start date

+ • Required to work alternating Saturdays

+ Schedule: M-F 10:00am-7:00pm Pacific Time

Evaluating and ensuring overall credit card line increase transaction is accurate, complete, and compliant.

• Apply knowledge of standard underwriting procedures, creditor financial analysis techniques

• Review and perform accurate analysis of financial documents

• Review and analyze credit bureau reports and interpreting the data

• Calculation of applicable ratios to determine affordability, credit utilization, asset coverage, etc.

• Review supporting documentation for truthfulness and accuracy

• Perform extensive research to resolve complex underwriting issues.

• Implementation of fraud detection and prevention techniques

• Understanding of the use of automated scoring system

• Requires flexibility to work any 8-hour shift during hours of operation.

• Requires flexibility to work hours which may include: weekends, overtime, and work hours beyond 7:00pm

• Schedule subject to change according to business need.

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

**Company:** Wells Fargo

**Req Number:** R-110629

**Updated:** 2022-01-16 02:03:04.728 UTC

**Location:** Chandler,Arizona

NOW Offering up to a $2,000 Stay On BONUS!

Right Away Disposal is looking for a high energy Customer Service Representative to join our GROWING team in Apache Junction, Arizona.

Schedule: Monday- Friday: 8am-4pm

Why you need to join us!

+ CULTURE: It’s a Great place to work! We work in an environment where empowered, self-directed All-stars know what they do is important.

+ INTEGRITY: Our definition is “saying what you will do and then doing it!” We keep our promises to our customers and our employees.

DUTIES AND RESPONSIBILITIES:•Works in conjunction with other departments to resolve customer disputes and demonstrates the ability to become proficient in the use of proprietary operational system.•Interviews customers and records interview information into computer for customer service, talks with customers by phone and in person, to receive orders for installation, turn on, discontinuance, or change in service. •Fills out contract forms, determines charges for service requested, collects deposits, prepares change of address records and issues discontinuance orders.•Delivers services to customers in a manner that promotes goodwill. Interacts with customers and Waste Connections employees to determine service requirements and resolve problems or complaints.•Work in a fast paced, cooperative, high call volume environment. Solicit sale of new or additional services.•A typical schedule for this position is Monday-Friday, with an occasional Saturday as needed.

WORKING CONDITIONS AND PHYSICAL EFFORT:•Work environment is an office setting. Areas are clean, ventilated, and well lighted. Our Customer Service Reps have their own workstation or cubicle space and are equipped with a telephone, headset, and computer.•CSR call areas can be noisy and work may be repetitious and stressful, with little time in between calls, while still providing excellent service. Some calls are evaluated to ensure high standards.•Also, long periods spent sitting, typing, or looking at a computer screen are common.

MINIMUM JOB REQUIREMENTS:•2 years of Phone Customer Service experience preferred.•Ability to read, write, comprehend and communicate in English.•Experience with MS Word, Excel, and Email preferred. Typing and 10-key skills are required.•High School Diploma or GED required.

To be considered for any of our current openings you must complete an application at careers.wasteconnections.com . Application information and additional instructions can be found once you select your position of interest.

We offer excellent benefits including: medical, dental, vision, flexible spending account, long term & short term disability, life insurance, 401K retirement and unlimited opportunities to "Connect with Your Future".

Waste Connections is an Affirmative Action/Equal Opportunity Employer (Minority/Female/Disabled/Veteran)

Right Away Disposal is looking for a high energy Customer Service Representative to join our GROWING team in Phoenix, Arizona.

Why you need to join us!

+ CULTURE: It’s a Great place to work! We work in an environment where empowered, self-directed All-stars know what they do is important.

+ INTEGRITY: Our definition is “saying what you will do and then doing it!” We keep our promises to our customers and our employees.

DUTIES AND RESPONSIBILITIES:•Works in conjunction with other departments to resolve customer disputes and demonstrates the ability to become proficient in the use of proprietary operational system.•Interviews customers and records interview information into computer for customer service, talks with customers by phone and in person, to receive orders for installation, turn on, discontinuance, or change in service. •Fills out contract forms, determines charges for service requested, collects deposits, prepares change of address records and issues discontinuance orders.•Delivers services to customers in a manner that promotes goodwill. Interacts with customers and Waste Connections employees to determine service requirements and resolve problems or complaints.•Work in a fast paced, cooperative, high call volume environment. Solicit sale of new or additional services.•A typical schedule for this position is Monday-Friday, with an occasional Saturday as needed.

WORKING CONDITIONS AND PHYSICAL EFFORT:•Work environment is an office setting. Areas are clean, ventilated, and well lighted. Our Customer Service Reps have their own workstation or cubicle space and are equipped with a telephone, headset, and computer.•CSR call areas can be noisy and work may be repetitious and stressful, with little time in between calls, while still providing excellent service. Some calls are evaluated to ensure high standards.•Also, long periods spent sitting, typing, or looking at a computer screen are common.

MINIMUM JOB REQUIREMENTS:•2 years of Phone Customer Service experience preferred.•Ability to read, write, comprehend and communicate in English.•Experience with MS Word, Excel, and Email preferred. Typing and 10-key skills are required.•High School Diploma or GED required.

To be considered for any of our current openings you must complete an application at careers.wasteconnections.com . Application information and additional instructions can be found once you select your position of interest.

We offer excellent benefits including: medical, dental, vision, flexible spending account, long term & short term disability, life insurance, 401K retirement and unlimited opportunities to "Connect with Your Future".

Waste Connections is an Affirmative Action/Equal Opportunity Employer (Minority/Female/Disabled/Veteran)

**Purpose of Job**

We are currently seeking a Principal Risk Management (Data Management and Governance Oversight) (Remote Work Available) for our Charlotte, NC, San Antonio, TX; Plano, TX; Phoenix, AZ; or 100% remote work from home.

This position will be focused solely on the Oversight of Data Management and Governance domain.

Responsible for providing direct 2nd line of defense (LOD) risk oversight for USAA’s Information Technology/Information Security (IT/IS) business function which includes developing and executing a comprehensive risk management coverage plan. Establishes enterprise-wide standards for 2nd LOD IT/IS risk reporting and ensures IT/IS risk reporting is appropriately tailored to meet the standards of the Board, senior management, and other key stakeholders within the organization.

**Job Requirements**

**About USAA**

USAA knows what it means to serve. We facilitate the financial security of millions of U.S. military members and their families. This singular mission requires a dedication to innovative thinking at every level.

+ Establishes and maintains an Enterprise risk governance framework that supports enterprise-wide standard operating policies and procedures that are aligned with the USAA Board’s risk appetite, the company’s business and strategic objectives, and regulatory expectations.

+ Reviews and evaluates the Third-Party Risk Management Program and incorporates the applicable requirements into the Enterprise IT Risk Governance Program.

+ Accountable for assessing business unit level policies, standards and procedures developed and implemented by the business units to ensure they are in alignment with and support the Enterprise policies, standards and procedures.

+ Evaluates and challenges the completeness and accuracy of the 1st LOD’s enterprise-wide Data process risk and control inventory; conducts validation testing and reviews to ensure the recommended corrective actions to 1st and 2nd LOD identified issues are complete, sustainable and effective.

+ Continually evaluates information technology, information security and data risk developments, strategic and operating plans, stress points and changes in operating processes to identify potential risks which may impact the data operating and control environment.

+ Reviews and monitors identified material data internal and external risks and emerging potential threats and ensures risk mitigation action is taken as necessary.

+ Assesses the enterprise information technology systems and information security protocols to ensure they are secure to support the businesses’ processing environment and are adequately controlled to appropriately mitigate IT/IS risks

**Minimum Requirements:**

+ Bachelor's degree; 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.

+ 10 years of Information Technology/Information Security (IT/IS) experience in a financial services and/or banking industry to include 6 years of specific risk management experience.

+ Demonstrated experience in applying IT/IS risk frameworks such as risk governance, control effectiveness measurement, process, risk and control analysis, and risk management coverage plan (monitoring, assessment and testing).

+ In-depth knowledge of cyber security, information security, fraud risk management, data risk management, customer authentication and identification access processes and controls.

+ Proven ability to communicate and influence effectively across all Lines of Defense

**Preferred Experience:**

+ Experience with data analysis, data governance, data standards, business data modeling, metadata, data quality, and/or reporting processes and tools

+ Strong knowledge of data governance frameworks, risks, controls, and data-related regulations/standards (e.g. BCBS 239, GDPR, CCPA, GLBA, PCI-DSS, etc.)

+ Relevant risk and data certifications

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**Compensation:**

USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market position. The salary range for this position is: $155,400- $279,800**(this does not include geographic differential it may be applied based on your work location)

Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.

***Geographical Differential** : Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average.

**Shift premium** will be addressed on an individual basis for applicable roles that are consistently scheduled for non-core hours.

**Benefits:**

At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

Please click on the link below for more details.

USAA Total Rewards (https://hrportal.ehr.com/usaa/Prospective-Employees)

Relocation assistance is **available** for this position

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

**Company Summary**

Taking care of our customers, our communities and each other. That’s the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 160 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it.

**Job Category**

Underwriting

**Target Openings**

1

**Job Description Summary**

Under general direction, responsible for the profitability, growth and retention of assigned book of business within a territory that is consistent with overall business line objectives. Marketing and underwriting responsibilities typically include: Underwriting new business on complex accounts. As a representative of the company, market to and develop relationships with agents and brokers. Working with other business units as appropriate to support market penetration objectives and seeking out cross-sell opportunities. Independently manages assigned territory and book of business, including more complex accounts. Routinely sought out by others as a resource; coaches less experienced employees. Seen as a role model and/or informal leader by other Account Executives in all aspects of the job. The incumbent in this job does not manage others.

Travelers offers a hybrid work location model that is designed to support flexibility.

**Primary Job Duties & Responsibilities**

Underwriting and Pricing:

+ Underwrites primarily complex accounts and risks and considers different approaches toward risks to maximize profitability (e.g., pricing, retention, endorsements, limits, indemnity, security).

+ In support of business objectives, uses good judgment in making decisions within own underwriting authority and may provide input on more complex accounts.

+ Initiates collaborative discussions.

Distribution and Agency Management:

+ Effectively manages assigned agents/brokers by developing and maintaining relationships to write and retain accounts consistent with business unit appetite.

+ Frequently meets with agents/brokers and insureds in order to build and maintain business relationship.

Sales:

+ With an increased level of independence, uses a consultative marketing / sales culture and successfully employs consultative selling approach to market products to agents and brokers.

+ Identifies and captures new business opportunities and effectively cross sells market segment and Travelers products/businesses.

+ Develops agency sales/business plan and frequently partners with MD to develop region/group sales plan.

+ May lead underwriting/agency meetings.

+ May attend industry events.

Negotiation:

+ Negotiates complex deals without guidance.

+ Executes Strategy and Drives Results:

+ With an increased level of independence, develops and executes on a plan to meet business objectives.

+ Anticipates and identifies complex underwriting/marketing problems, thoroughly analyzes available information and makes timely practical decisions.

Business Planning and Collaboration:

+ Fosters collaboration within the business unit and across the enterprise. Seeks enterprise-wide solutions to business problems. Assists less experienced employees when appropriate.

Leading Others:

+ In addition to leading self, may coach other staff members.

+ Participates in the training of less experienced Account Executives.

+ Develops others and takes initiative for personal development.

+ Other duties as assigned.

**Minimum Qualifications**

+ 4 years of Account Executive/ underwriting experience required.

**Education, Work Experience, & Knowledge**

+ Bachelor degree preferred.

+ In some lines of business, relevant agent/broker experience may be appropriate.

+ Typically has 6-8 years of relevant Account Executive experience.

+ Previous excess and surplus underwriting experience preferred.

Industry/Business Knowledge

+ Understands industry business operations and work methods, critical business issues and financial drivers that affect the region and local office.

+ Demonstrates an understanding of the local insurance marketplace and effectively uses that knowledge to the Company's advantage; continuously seeks out local market insight; is routinely sought out by others as a knowledge resource; coaches / mentors less experienced employees on an ongoing basis.

Product Knowledge

+ Understands organizational and regulatory rules, policies and procedures and effectively employs that knowledge in day-to-day work activities.

+ Uses acquired skills and knowledge to assist less experienced employees. Routinely sought out by others as a knowledge resource.

**Licensing or Certificates**

+ Valid drivers license or alternate means of personal transportation.

+ CPCU designation preferred in some lines of business.

**Job Specific Technical Skills & Competencies**

+ Business Perspective: Uses knowledge of internal and external factors impacting the property & casualty industry to make decisions

+ Analytical Thinking/Financial Acumen: Identifies current or future problems or opportunities, analyzes, synthesizes and compares information to understand issues, identifies cause/effect relationships and explores alternative solutions to support sound decision making

+ Understands and uses financial information, tools and expense management principles to accomplish day-to-day work and maximize profitability.

+ Relationship Management: Seeks out, builds, fosters and maintains productive relationships, networks or alliances to meet goals and achieve results.

**Environmental / Work Schedules / Other**

**Employment Practices**

Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences.

If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email (4-ESU@travelers.com) so we may assist you.

Travelers reserves the right to fill this position at a level above or below the level included in this posting.

To learn more about our comprehensive benefit programs please visit http://careers.travelers.com/life-at-travelers/benefits/ .

JOB PURPOSE

Underwrites new and renewal C&I and CRE credit requests comprised of working capital lines of credit, asset-based lines of credit, commercial real estate loans (Owner Occupied and Investor) and equipment financing; most often from moderate-to-complex enterprises with revenues greater than $5 million. Collaborates with Client Solutions Managers ("CSMs") and Relationship Managers to accurately present findings, including business rationale and risk mitigations, in order to obtain credit approval and meet customer needs.

ESSENTIAL DUTIES AND RESPONSIBILITIES

* Analyze business, industry, financial data and other supporting credit information concerning an applicant's credit request; identifies key business and financial risks that may impact the repayment prospects by the borrower; derives conclusions supporting the credit recommendation based on documented facts and/or sound judgement.

* Prepare timely, concise and accurate credit recommendations, with limited supervision or revision. Includes: (1) quantitative components within the underwriting narrative documenting the credit analysis; (2) accurate use of risk rating scoring models (aka Dual Risk Rating), both quantitative and qualitative rating elements, to ensure customers and loans are properly risk-rated; (3) accurate identification and mitigation of all exceptions to Bank tracked policies exceptions (TPE), tracked guidelines exceptions (TGE), procedures and compliance regulations; and (4) accurate loan coding consistent with nature of the borrowing relationship and terms of the credit(s).

* Monitor borrower financial performance in line with commercial and/or real estate loan documents; spreads financial statement and/or ensures required financial statements are spread in accordance with Bank Guidelines and resulting covenant calculations are accurate, complete and adhere to approval conditions and loan documentation. Collaborates with CSM to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.

* Partners with CSMs and Relationship Managers to offer insights into customer financial needs, including opportunities identified using Line of Business-approved relationship expansion tools. May also offer opinions related to a loan structure's effectiveness to mitigate risks, appropriate to prevailing competitive market environment and Bank risk tolerances.

* Partners with CSMs and Relationship Managers in customer and prospect calls as appropriate. May shadow manage a portfolio with CSM as part of training and development, with Underwriting Manager and Market Director mutual approval.

* May oversee the work of other commercial underwriters or credit analysts, including the timely review of credit reports prepared by other underwriters to ensure a high level of report quality prior to submission for approval; findings to be captured via a standardized Quality Control (QC) Checklist and used to provide guidance and training to underwriters.

* Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities -- knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes.

* Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.

* Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.

* May be asked to coach, mentor, or train others and teach coursework as subject matter expert.

* Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words.

* Takes personal initiative and is a positive example for others to emulate.

* Embraces our vision to become "The World's Greatest Bank."

* May perform other duties as assigned.

SUPERVISORY RESPONSIBILITIES: None

REQUIRED KNOWLEDGE, SKILLS AND ABILITIES

* Bachelor's degree in Business, Finance, Accounting, or equivalent work experience.

* 6+ years of commercial underwriting/credit analysis experience or relevant lending experience.

* Advanced analytical and problem-solving skills.

* Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience; ability to train and present to small and large audiences or has the interest in learning to train and present.

* Demonstrated time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering work product on time.

* Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.

* Possess excellent written, verbal, interpersonal and presentation skills, including ability to train and present to small and large audiences or has the interest in learning to train and present.

* Advanced knowledge of credit policies, procedures, practices and documentation.

PHYSICAL AND ENVIRONMENTAL DEMANDS

* Work involves sitting, occasional walking, and lifting up to 10 pounds.

* Requires close visual acuity.

* Normal office environment.

* Occasional travel.

Umpqua Bank is committed to employing a diverse workforce. Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, protected veteran status, or disability. We maintain a drug-free workplace and may perform pre-employment substance abuse testing.

\#LI-ST1

Location:

4007 E Camelback Rd, Phoenix, Arizona 85018 United States of America

Are you a people person? Do you love helping others? U-Haul is in search of friendly, motivated people for the position of Customer Service Representative. As a Customer Service Representative you will work as part of a supportive team to be the face of U-Haul’s exceptional service, ensuring customers get all the help they need on their journeys.

U-Haul Offers Customer Service Representatives:

+ Flexible scheduling

+ Career stability

+ Opportunities for advancement

+ Valuable on-the-job training

+ Life insurance

+ MetLaw Legal program

+ MetLife auto and home insurance

+ Discounts on Apple products, Dell computers, cell phone plans, hotels, and more

+ 401k and Employee Stock Ownership Program

+ 24-hour physician available for kids

+ Community volunteer opportunities

Customer Service Representative Responsibilities:

+ Assist customers inside and outside U-Haul Center with U-Haul products & services

+ Use smartphone-based U-Scan technology to manage rentals and inventory

+ Move and hook up U-Haul trucks and trailers

+ Clean and inspect equipment on the lot including checking fluid levels

+ Answer questions and educate customers regarding products and services

+ Prepare rental invoices and accept equipment returned from rental

Customer Service Representative Minimum Qualifications:

+ Valid driver’s license and ability to maintain a good driving record

+ High School Diploma or equivalent

Work Environment:

The work involves moderate risks or discomforts which require special safety precautions, e.g., working around moving parts or machines, fumes, or irritant chemicals. May be required to use protective clothing, or gear such as masks, goggles, gloves or shields.

PHYSICAL DEMANDS : This work requires some physical exertion such as hooking up trailers to customer vehicles, lifting/carrying propane tanks and moving supplies, climbing into and reaching into U-Haul trucks, and long periods of standing and walking while helping customers at the counter and in the showroom.

AMERCO and its family of companies, including U-Haul, have strived to create a culture of health and wellness. As of February 1, 2020, and consistent with applicable state law, no AMERCO or U-Haul company will hire individuals in states where it may lawfully decline to hire individuals who use nicotine products. By continuing with this application, you are indicating that, if hired, you consent to nicotine screening in the future. This policy will not apply to team members hired before February 1, 2020.

U-Haul is an equal opportunity employer. All applicants for employment will be considered without regard to race, color, religion, sex, national origin, physical or mental disability, veteran status, or any other basis protected by applicable federal, provincial, state or local law. Individual accommodations are available on requests for applicants taking part in all aspects of the selection process. Information obtained during this process will only be shared on a need to know basis.

Since 1945, U-Haul has been serving do-it-yourself movers and their households. Like many other successful ventures, the concept for U-Haul was generated out of need. After World War II, there existed the widespread need for do-it-yourself moving equipment that would be available on a one-way, nationwide basis. U-Haul co-founders L.S. "Sam" Shoen and his wife, Anna Mary Carty Shoen, recognized that need and acted upon it. Their visionary approach spread the cost of ownership among many users, facilitating the mobility of the populations of the U.S. and Canada. The covered wagon of the pioneers morphed into orange U-Haul trailers. In the process, an industry was born.

Location:

2345 E McDowell Rd, Phoenix, Arizona 85006 United States of America

Are you a people person? Do you love helping others? U-Haul is in search of friendly, motivated people for the position of Customer Service Representative. As a Customer Service Representative you will work as part of a supportive team to be the face of U-Haul’s exceptional service, ensuring customers get all the help they need on their journeys.

U-Haul Offers Customer Service Representatives:

+ Flexible scheduling

+ Career stability

+ Opportunities for advancement

+ Valuable on-the-job training

+ Life insurance

+ MetLaw Legal program

+ MetLife auto and home insurance

+ Discounts on Apple products, Dell computers, cell phone plans, hotels, and more

+ 401k and Employee Stock Ownership Program

+ 24-hour physician available for kids

+ Community volunteer opportunities

Customer Service Representative Responsibilities:

+ Assist customers inside and outside U-Haul Center with U-Haul products & services

+ Use smartphone-based U-Scan technology to manage rentals and inventory

+ Move and hook up U-Haul trucks and trailers

+ Clean and inspect equipment on the lot including checking fluid levels

+ Answer questions and educate customers regarding products and services

+ Prepare rental invoices and accept equipment returned from rental

Customer Service Representative Minimum Qualifications:

+ Valid driver’s license and ability to maintain a good driving record

+ High School Diploma or equivalent

Work Environment:

The work involves moderate risks or discomforts which require special safety precautions, e.g., working around moving parts or machines, fumes, or irritant chemicals. May be required to use protective clothing, or gear such as masks, goggles, gloves or shields.

PHYSICAL DEMANDS : This work requires some physical exertion such as hooking up trailers to customer vehicles, lifting/carrying propane tanks and moving supplies, climbing into and reaching into U-Haul trucks, and long periods of standing and walking while helping customers at the counter and in the showroom.

AMERCO and its family of companies, including U-Haul, have strived to create a culture of health and wellness. As of February 1, 2020, and consistent with applicable state law, no AMERCO or U-Haul company will hire individuals in states where it may lawfully decline to hire individuals who use nicotine products. By continuing with this application, you are indicating that, if hired, you consent to nicotine screening in the future. This policy will not apply to team members hired before February 1, 2020.

U-Haul is an equal opportunity employer. All applicants for employment will be considered without regard to race, color, religion, sex, national origin, physical or mental disability, veteran status, or any other basis protected by applicable federal, provincial, state or local law. Individual accommodations are available on requests for applicants taking part in all aspects of the selection process. Information obtained during this process will only be shared on a need to know basis.

Since 1945, U-Haul has been serving do-it-yourself movers and their households. Like many other successful ventures, the concept for U-Haul was generated out of need. After World War II, there existed the widespread need for do-it-yourself moving equipment that would be available on a one-way, nationwide basis. U-Haul co-founders L.S. "Sam" Shoen and his wife, Anna Mary Carty Shoen, recognized that need and acted upon it. Their visionary approach spread the cost of ownership among many users, facilitating the mobility of the populations of the U.S. and Canada. The covered wagon of the pioneers morphed into orange U-Haul trailers. In the process, an industry was born.