Loss Trends

Loss Trends Finance Jobs

11 jobs found

Mortgage Senior Credit & Product Officer

FirstBank Florida San Juan

14d ago

Full time Manager Senior Credit

Manager Senior Credit

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Job Description

The Mortgage Senior Credit & Product Officer role is an onsite leadership position with FirstBank Florida in San Juan, Puerto Rico. This role directs senior mortgage operations, including underwriting, product development, risk analysis, and policy guidance, and works closely with sales, production, and key stakeholders across the organization.

Responsibilities

Provide executive oversight of mortgage underwriting to ensure accuracy, regulatory compliance, and timely loan decisions.
Direct the loan review pipeline, maintaining deadlines and service levels.
Identify and implement process improvements to boost underwriting productivity and shorten cycle times.
Lead comprehensive risk analysis of mortgage portfolios, using financial statements and market data to identify and mitigate emerging risks.
Develop and propose new mortgage products and CRA offerings to align with market demand and regulatory requirements.
Collaborate with the sales and production teams to train staff and realtors, ensuring up-to-date product knowledge and underwriting guidelines.
Serve as a subject matter expert for investors and senior corporate credit officers on complex credit matters and product questions.
Review and update credit policies in response to regulatory changes and market trends.
Coordinate with default administration to analyze delinquency trends and implement proactive risk mitigation strategies.
Supervise the loss mitigation underwriting process.
Streamline underwriting documentation to balance efficiency with strong risk controls and regulatory compliance.
Act as the primary liaison with internal and external auditors and regulators to ensure underwriting compliance with applicable laws and standards.
Oversee ECR credit analysis to maintain consistent standards across regions.
Partner with sales and production managers to refine processes, remove bottlenecks, and accelerate loan origination cycles.
Oversee the appraisal and dispatching team to ensure timely receipt, review, and distribution of transaction documents.
Supervise the clear to close unit to ensure all loan conditions are fulfilled before moving files to the closing stage and coordinating final numbers.
Participate in cross-functional projects and committees as assigned.
Contribute to enterprise-wide risk management initiatives.
Prepare and present reports for executive leadership and board committees as required.
Support due diligence for mergers, acquisitions, or new market entries.
Foster staff development through mentoring and training opportunities.
Stay informed of industry best practices, regulatory changes, and competitive trends.

Requirements

Education: Master’s degree in finance, Juris Doctor, Business Economics or a related field is required.
Certifications: Certifications in credit risk, mortgage banking, or regulatory compliance are preferred.
Experience: A minimum of three to five years of progressive experience in credit risk management, mortgage underwriting, or product development within a banking institution.
Analytical expertise: Three to five years of demonstrated ability to analyze complex transactions using financial statements and credit reports.

A BRIEF OVERVIEW

The Mortgage Operations Manager is a senior leadership role focused on guiding mortgage underwriting, ensuring timely loan reviews, driving productivity improvements, and directing the development of new or enhanced mortgage products. The Officer partners with the sales and production teams, provides policy guidance, and serves as a liaison with internal and external stakeholders.

Disclaimer

The statements above describe the general nature and level of work performed by individuals assigned to this role. They are not intended to be an exhaustive list of all responsibilities, duties, or skills. The reporting relationship may not reflect the most recent changes to the corporate structure.

Our Company

At FirstBank PR, we strive to be a trusted advisor to our clients, and our employees are the ones who ensure we deliver on our promise of excellence in personalized customer service. We employ more than 3,100 people across Puerto Rico, the Virgin Islands and Florida who share a commitment to outstanding service. We are proud of our team for continuously surpassing client expectations.

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VP Subservicer Oversight

Lakeview Loan Servicing Horsham, PA Hybrid

18d ago

$150k+/yr Full time Manager Client Relations Client Service

Manager Client Relations Client Service

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Job Description

Hybrid remote position based in Horsham, PA, with a salary of USD 150,000 per year. The VP Subservicer Oversight role is responsible for identifying and reducing losses to the Mortgage Servicing Rights MSR portfolio, driving performance and operational effectiveness with a focus on property preservation and casualty insurance. This position is supported by benefits including medical coverage from day one and a company matched 401(k).

Responsibilities

Oversee subservicers’ foreclosure and bankruptcy processes and manage files tied to default-related law, including title issues, probate, condo/HOA matters, contested foreclosures, and bankruptcies.
Provide management and surveillance over the subservicer’s foreclosure and bankruptcy attorney network, ensuring proper allocation, case management, and cost control where applicable.
Address performance improvement issues with the subservicer and the attorney firms.
Develop and implement standardized processes and best practices for insurance policy placement to optimize customer experience, mitigate risk, and ensure compliance with investor and insurer guidelines.
Assist in creating policies and procedures related to subservicing oversight.
Conduct thorough assessments, monitoring, and measurement of subservicing activities, focusing on property and casualty insurance matters.
Establish and maintain rigorous quality control measures to uphold high standards of service and regulatory compliance.
Collaborate with Analytics, Legal, and Risk Departments to monitor regulatory changes, investor/insurer requirements, and market trends; develop strategies to anticipate shifts in a changing landscape.
Work with stakeholders to assess the impact of climate factors on affordability, cost of ownership, and MSR valuations.
Train team members and strategic partners on best practices related to foreclosure and bankruptcy matters.
Support the Subservicing Oversight Team in ensuring subservicers and related third parties adhere to Lakeview’s standards and regulatory requirements.
Engage with investors and insurers to advocate for policies that benefit all stakeholders.
Contribute to special projects as assigned by senior leadership.

Requirements

Bachelor’s degree or foreign equivalent in Business, Real Estate, Risk Management, or a related field.
Law degree preferred.
10+ years of experience in insurance, mortgage, and/or legal fields with a deep understanding of property insurance policies and regulatory frameworks.
A proactive learner with the ability to absorb guidance from experienced leaders and apply it independently.
Ability to work autonomously to identify emerging risks and develop creative solutions.
High integrity and sound business judgment.
Strong listening, problem-solving, and negotiating skills, with the ability to drive consensus and collaborate across departments.
Excellent relationship-building skills to effectively engage investors, insurers, and other key stakeholders.
Ability to travel as needed.

Benefits

Medical coverage starting on day one
Company-matched 401(k)

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Financial Advisor

RedBalloon LLC Moscow, ID Hybrid

18d ago

$50k - $200k/yr Full time Advisor Budgeting Cash Flow

Advisor Budgeting Cash Flow

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Job Description

RedBalloon LLC invites applications for a fiduciary, fee-only Financial Advisor in Moscow, ID with hybrid work options. The role involves taking over a small client book with supported prospecting; CFP certification is preferred, relocation assistance is available, and remote work is negotiable; there is potential for rapid advancement to lead or senior advisor.

Responsibilities

Assist Advisors in understanding and supporting their clients’ financial goals
Develop and implement customized financial plans covering retirement, estate planning, tax strategies, investment approaches, and budgeting
Prepare investment reviews and personalized meeting materials for advisors and their clients
Use planning software such as MoneyGuidePro, Nitrogen, Morningstar Advisor Workstation, Holistiplan, and other tools to create and maintain financial scenarios and reports
Keep financial plans current and responsive to client needs
Research, teach, and analyze financial planning topics as needed
Help design, implement, and maintain model portfolios across all client accounts
Assign appropriate investment models to client portfolios and document changes with detailed notes
Monitor client portfolios regularly and alert Lead Advisors to deviations from targets or notable performance issues
Assist with non-qualified account management for tax loss/gain harvesting
Support rebalancing activities, including data entry, documentation, and communication with operations staff
Coordinate with custodians or trading platforms to ensure accuracy in portfolio implementation
Maintain awareness of market trends and their potential impact on model portfolios
Support investment committee work by gathering data, running reports, and participating as requested
Enter and track tasks in Redtail CRM; maintain accurate and timely follow-ups
Complete Smart RIA compliance tasks within 30 days of assignment
Assign and manage workflows and service tasks related to compliance and client service
Report any written client complaints promptly and appropriately
Actively participate in team meetings, maintaining professionalism, punctuality, and preparedness
Delegate tasks to support staff as needed and follow through on assigned responsibilities
Maintain conduct that reflects the firm’s core values, including courage, curiosity, truth, and wisdom
Align with the firm’s guiding belief that True Wealth is found in Christ alone
Ensure timely completion of investment reviews and service tasks
Maintain accuracy and preparedness of meeting deliverables
Contribute to firm growth and client retention over time

Requirements

2-3 years of financial advising experience
CFP certification
Series 65 license or ability to obtain within 3 months
Highly organized with strong attention to detail
Ability to work independently
Excellent communication skills with a teaching-oriented approach

Technologies

MoneyGuidePro
Nitrogen
Morningstar Advisor Workstation
Holistiplan
Redtail CRM
LPL Financial

Benefits

Relocation assistance available for the right candidate
Training, continuing education units (CEU), and registration fees covered
401(k) with employer matching at six months
Paid time off: two weeks vacation, plus office closures when the market is closed
Remote or hybrid work environment with a flexible schedule; remote work possible as long as five business days per month are worked on site in Moscow, Idaho
Marketing and lead generation provided to grow your book of business
Mentorship by a senior advisor
Administrative assistance with client accounts

About Us

We were founded in 2021 by Neal Richards due to the rapid growth of his practice at a small independent RIA firm
We are a small and nimble team with four employees, providing planning services (utilizing MoneyGuide Pro and Nitrogen) and asset management through LPL Financial
Our core values are Curiosity, Courage, Truthfulness, and the principle that Wealth is found in Wisdom
As a regional Dave Ramsey SmartVestor associated professional, we offer a reliable investment strategy and compatible financial planning grounded in biblical principles
Axiom is a rapidly growing, federally regulated RIA, with expectations of continued growth and a need for flexibility in adopting new technologies and services; this expansion presents opportunities for the right candidate

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Commercial Insurance Product Manager (Small Commercial Lines)

Colonial Surety Company Woodcliff Lake, NJ

18d ago

Full time Manager Marketing Bundled Coverage

Manager Marketing Bundled Coverage

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Job Description

Colonial Surety Company is seeking an experienced Commercial Insurance Product Manager to lead the development and expansion of its small commercial portfolio from an onsite role in Woodcliff Lake, New Jersey. The position requires underwriting discipline paired with a producer mindset to design, bundle, and position coverages such as GL, PL, and BOP to fuel growth while aligning product strategy with market needs.

Responsibilities

Lead the design, development, and ongoing enhancement of small commercial products across a range including GL, PL, BOP, Fiduciary Liability, Cyber Liability, Employment Practices Liability Insurance (EPLI), Directors and Officers (D&O) / Management Liability, Commercial Crime, Commercial Surety Bonds, and ERISA Fidelity Bonds.
Develop bundled and packaged solutions that combine multiple coverages, including bonds where appropriate, to create differentiated offerings for target segments.
Identify underserved market segments and craft tailored solutions to drive growth.
Build scalable, repeatable coverage constructs.
Support product launches with clear appetite statements, positioning, and underwriting guidelines.
Partner with agents, brokers, and program administrators to drive adoption.
Bring a producer mindset balancing risk selection with growth, retention, and distribution success.
Monitor product performance, including premium growth, loss ratios, and mix of business.
Identify trends and recommend adjustments to improve profitability and competitiveness.
Continuously refine product offerings based on market feedback and performance data.
Collaborate closely with senior leadership.
Serve as a bridge between technical product development and market-facing teams.
Engage directly with brokers, partners, and occasionally policyholders to inform product direction as necessary.
Support and advise in-house producers in marketing bundled packages to the existing customer base.

Requirements

5+ years of small commercial underwriting experience at a carrier or MGA.
Direct experience in product design and development for small commercial insurance.
Strong expertise in one or more of the following: PL, GL, BOP, FL, Cyber, EPLI, CC, D&O; familiarity with other commercial insurance products.
Deep understanding of insurance forms, endorsements, and coverage construction.
Proven ability to translate underwriting insight into marketable, scalable products.
Experience working in cross-functional environments to bring products to market.
Excellent computer skills, including proficiency in Microsoft Office and Google Workspace.

Technologies

Microsoft Office
Google Workspace

Benefits

401(k)
Dental insurance
Health insurance
Paid time off
Vision insurance

Preferred Qualifications

Experience building or contributing to bundled/package insurance solutions
Familiarity with incorporating bonds into product offerings from a product/distribution perspective
Demonstrated proactive and entrepreneurial mindset with a bias toward execution
Strong communication skills with the ability to work with agents, brokers, and policyholders
Experience in a growth-oriented or transforming organization

Key Competencies

Producer Mindset: Thinks like a producer, understanding how products sell
Product Innovation: Ability to design compelling, differentiated bundled offerings
Technical Expertise: Strong command of coverage, forms, and underwriting fundamentals
Commercial Acumen: Balances growth, profitability, and market competitiveness
Collaboration: Works effectively across teams and functions
Execution Oriented: Moves from concept to market quickly and efficiently

Why This Role

This position offers a foundational role in the next phase of growth for a stable, established carrier evolving its commercial insurance platform. You will have the opportunity to shape product strategy, build innovative bundled solutions, and directly influence Colonial Surety Company’s expansion in the small commercial market.

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Corporate Banking Associate

Citi New York, NY

25d ago

$165k - $165k/yr Full time Associate Bachelor's Degree Banking

Associate Bachelor's Degree Banking

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Job Description

Citibank, N.A. is seeking a Corporate Banking Associate for its New York, NY location.

Duties

Produce written summaries of financial research results to support decision making.
Collaborate with Senior Bankers to provide comprehensive relationship management support.
Participate in client transactions, projects, or assignments as part of the team.
Research and develop analytical tools addressing portfolio construction and optimization, performance measurement, attribution, profit and loss assessment, and pricing models.
Assist with day-to-day cash management activities, trading initiatives, vendor finance, foreign exchange, loan activity, debt capital markets efforts, share repurchase programs, and interest rate or equity derivatives.
Support Bankers in cross selling the full spectrum of products and services by identifying client needs to generate revenue.
Evaluate public filings, research reports, operations, business plans, and financial forecasts to produce strategic and financial analyses.
Stay informed about market and industry trends, best practices, and the competitive landscape.
Assess risk appropriately when making business decisions, with focus on protecting the firm’s reputation, clients, and assets by complying with applicable laws and regulations, adhering to policy, exercising ethical judgment, and escalating, managing, and reporting control issues with transparency.
A telecommuting or hybrid work arrangement may be allowed for employees within a commutable distance to the worksite in accordance with Citi policies and protocols.

Requirements

Bachelor’s degree or foreign equivalent in Finance, Business, Accounting, or a related field, and five (5) years of experience in the offered job or a related finance role involving monitoring credit quality across the portfolio and producing risk-related reports.
Five (5) years must include: experience running large Leveraged Buy Out transactions, outlining financial and business risk profile, impact on the company’s credit profile, cross selling across the bank’s financial product suite, and profitability; supporting Bankers in cross selling the full spectrum of products and services by identifying client needs to generate revenue; assisting with day-to-day cash management activities, trading initiatives, vendor finance, foreign exchange, loan activity, debt capital markets efforts, share repurchase and interest rate/equity derivatives; performing industry and economic research and financial modeling to evaluate credit profiles and appropriately assess risk; utilizing investment systems including Factset, S&P Capital IQ, S&P Ratings Direct, SEC Filings, and Bloomberg to assess the financial and business risk profile of companies; working with large financial data sets to create actionable insights and regular business reviews for senior bankers and management.
Alternatively, employer will accept a Master’s degree or foreign equivalent, with three (3) years of experience. Pre- or post-master’s degree experience will be considered.
40 hours per week.

Application Details

Applicants should submit resumes at https://jobs.citi.com/ and reference Job ID #26945244. EO Employer.

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Director, Finance

Great Wolf Lodge Gurnee, IL

25d ago

$100k+/yr Full time Finance Director Accounting Bachelor's Degree

Finance Director Accounting Bachelor's Degree

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Job Description

Position Overview

In this strategic finance leadership role for Great Wolf Lodge, the Director of Finance partners with the business to drive lodge financial performance, oversee internal controls and loss prevention, and deliver reporting and analytics to support informed decisions. The role is based in Gurnee, IL.

Essential Duties & Responsibilities

Develops financial strategies by analyzing trends and forecasting performance; maintains a clear financial agenda, makes course corrections, communicates effectively, and identifies new opportunities.
Ensures accurate accounting, manages expenses, upholds an internal controls framework, and implements loss prevention measures.
Measures and analyzes financial results for reporting to regional and corporate management; designs corrective action plans to maximize business performance as needed.
Provides operational insight by translating financial data into actionable plans with an external perspective.
Supports effective decision making by delivering financial information and analysis to help the operation choose the best solutions, considering multiple viewpoints and key facts.
Builds trust and holds department leaders accountable to act as owners of their areas, aligns action plans, and surfaces challenging issues.
Collaborates with the General Manager to clearly describe, assign, and delegate financial responsibility and authority for the operation.
Fosters financial success by coaching and training teams, providing business context, and collaborating with colleagues.
Drives efficiencies and aligns resources to maximize value and ensure purposeful initiatives.
Leads the annual and long-term operating budget and capital investment planning in partnership with the General Manager and lodge leadership team.

Basic Qualifications & Skills

Bachelor’s degree in Finance, Accounting, or a related field.
Minimum of 10 years of experience in a finance or accounting environment.
Proficiency in Microsoft Excel with demonstrated ability to perform analysis and modeling; experience with the Microsoft Office Suite.
Strong problem-solving skills, meticulous attention to detail, and solid organizational abilities.
Energetic and positive approach to work.
Successful completion of a criminal background check and a drug screen.

Desired Qualifications

At least 5 years of experience in the entertainment, amusement park, or hotel industry.
Experience with Coupa, Tableau, and the Office 365 suite.

Physical Requirements

Capable of lifting up to 20 pounds.
Ability to bend, stretch, and twist as needed.
Able to stand or sit for extended periods.

Salary and Benefits

Estimated annual base salary: $100,000. The actual pay within this range will reflect factors such as education, qualifications, experience, skills, seniority, location, performance, travel requirements, revenue-based metrics, contractual obligations, and business needs. This range is one component of the total compensation package, which may include annual bonuses, a Paid Time Off policy, and additional benefits.

Location: Gurnee, IL

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Commercial Credit Lead - Large Corporate

M&T Bank Pittsburgh, PA Hybrid

27d ago

$140k - $233k/yr Full time Banking Commercial Commercial Banking

Banking Commercial Commercial Banking

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Job Description

Overview

This Commercial Credit Lead role is a client facing, individual contributor position based in a hybrid remote setting in Pittsburgh, Pennsylvania. The role combines thorough financial statement analysis, structuring credit solutions, negotiating legal documents, and securing credit approvals while ensuring adherence to credit policies and regulatory requirements. The role also involves leading a transaction team and collaborating with relationship managers, risk officers, and other stakeholders to support sound credit decisions and sustain portfolio quality.

Primary Responsibilities

Underwrite new credit requests and material deal modifications from initial screen through approval and for the life of the loan, advising on conditions as appropriate.
Oversee ongoing credit risk in existing portfolios via continuous credit monitoring to identify emerging risk, take actions to manage risk, minimize losses, and assign accurate risk ratings.
Review all pertinent credit and financial information, including financial statements, tax returns, due diligence reports, credit bureau data, appraisals, internal credit information, industry research and peer data; determine if further investigation is needed and coordinate data gathering.
Analyze financial information and related materials, producing credit analyses that include an independent credit quality assessment with well supported risk ratings, identification of risks and mitigants, industry concerns, market and financial trends, and other relevant credit issues.
Make appropriate structure recommendations based on scenario analysis, including the company’s base case and downside case.
As part of ongoing risk management, identify suspicious activity or actions that may not align with the customer’s interests.
Collaborate proactively with relationship managers and stay engaged from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits.
Spread financial statements and develop financial models to sensitize various conditions affecting the proposed transaction.
Prepare cash flow analyses, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analyses as appropriate.
Participate in client or prospect calls with RMs to gain a thorough understanding of the client and their business for effective underwriting of the proposed transaction; based on underwriting parameters, determine the risk rating.
Prepare summaries, present facts, and provide opinions on creditworthiness.
Propose loan structures, including terms, conditions, collateral, and guarantors when appropriate.
Display a solid understanding of the financial regulatory environment as it applies to underwriting most commercial credit transactions.
Ensure compliance with credit policy by verifying underwriting adherence to the Commercial Credit Policy and evaluating risks associated with non compliance.
Present analyses or address questions during credit request discussions or committee presentations.
Understand and follow the company’s risk and regulatory standards, policies and controls in line with the risk appetite, escalating risk related issues to management as needed.
Promote an inclusive work environment that reflects the bank’s brand.
Maintain internal control standards and timely implementation of audit and regulator recommendations as applicable.
Perform other related duties as assigned.

Scope of Responsibilities

The Corporate and Institutional designation encompasses segments such as FIG, Fund Banking, Institutional/REIT, Large Corporate, and Leveraged Lending. The Commercial Credit team manages the credit delivery for the bank’s commercial clients, handling assessments from initial evaluations of new relationships to changes or restructurings and ongoing monitoring through the life of the loan. The team also ensures accurate completion of risk rating scorecards and financial statement spreads used to support decisions on new, renewed, or amended credit transactions. Interaction with commercial banking RMs and sales leadership across the bank, as well as other internal teams, occurs for approvals on large, complex, or specialized loans. Direct client interaction is expected. The role operates with minimal supervision and can effectively lead the transaction execution team, which may include an Associate and/or an Analyst.

Supervisory and Managerial Responsibilities

Contribute to the development and training of junior analysts and associates.

Education and Experience Required

Bachelor’s degree in Accounting, Finance, or a related field, plus seven years of experience in complex credit underwriting, specialty underwriting, or other advanced financial analysis roles.
Alternatively, a combined minimum 11 years of higher education and work experience, including seven years in complex credit underwriting or related fields, may be considered in lieu of a degree.
Strong analytical skills with advanced financial modeling and analysis of credit transactions and structures.
Ability to calculate and interpret financial ratios, analyze data, and perform trend analysis to understand and mitigate credit risk.
Proficiency with legal documentation and the ability to negotiate and structure transactions independently.
Excellent verbal and written communication skills.
Strong critical thinking and problem solving abilities.
Attention to detail and a high level of accuracy.
Ability to work independently and as part of a team.
Strong organizational and time management skills.
Customer focused with strong interpersonal and relationship-building skills.
Proficiency in Microsoft Office.

Education and Experience Preferred

Experience with Capital IQ, FactSet, and Bloomberg.

Compensation

M&T Bank is committed to fair, competitive and market informed pay for our employees. The pay range for this role is $139,700.00 - $232,900.00 annually (USD). The specific compensation offered will reflect the candidate’s knowledge, skills, and experience.