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Sr. ACH Credit Analyst

4 months ago

Buffalo, United States Northwest LLC Full time
Job Summary

The Senior ACH Credit Analyst is responsible for spreading financial statements for customers using ACH, analyzing ACH reviews to assess the need for financial statements and spreads, and making decisions around the next step for the review. The Senior ACH Credit Analyst will be the point of contact for Treasury Management Advisors who submit ACH reviews and coordinate with them on the correct documentation for ACH risk management.

Essential Functions

  • Spread, review, and analyze financial statements for ACH exposure
  • Determine the appropriate level of underwriting and due diligence for the credit's risk profile
  • Assist with and ensure timely completion of red flag reviews, annual reviews, new originations, and modification requests and make appropriate recommendations for ACH exposure levels
  • Assist in ensuring appropriate structuring of new origination and modification requests aligning with Northwest's risk appetite
  • Assist in identifying credit strengths, weaknesses, risks and mitigating factors and/or trends/anomalies in customer behavior, and investigate suspicious activity
  • Assist in analyzing and monitoring risk level of ACH portfolio
  • Assist in determining the appropriate course of action for clients in various ACH queues in Nautilus
  • Evaluate and decision intraday ACH breaches, as needed
  • Review and approve within Signature Credit Authority red flag reviews, annual reviews, new originations, modification requests and breach activity for 1,000+ clients and multi-hundred million dollar ACH portfolios
  • Coordinate with members of compliance, fraud, and operations groups as needed
  • Assist payments partners, relationship managers, and operations partners with daily management of ACH & Remote Deposit Capture limit breaches, overdraft remediation, and breaches of pre-determined risk metrics/parameters
  • Assist management in audits and regulatory compliance requirements, as needed
  • Meet or exceed established service level expectations
  • Ensure complete data and document integrity
  • Maintain excellent working knowledge of all software including Signature, nCino, Nautilus, and any others as appropriate
  • Ensure Northwest's Credit Risk Policy is followed and report any adverse credit-related trends to upper management
  • Maintain a working knowledge of payments industry trends and regulations including NACHA rules and non-compliance programs
  • Ensure compliance with Northwest's policies and procedures, and Federal/State regulations
  • Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
  • Work as part of a team
  • Work with on-site equipment
Education + Experience
  • Bachelor's degree in Finance or Accounting preferred
  • 6+ years of experience in any of the following areas: commercial lender, small business banker, portfolio manager, or credit analyst preferred
  • Experience with ACH / Payments preferred


The pay range for this position is generally $36.06 - $48.08 per hour. Actual pay is based on various factors including but not limited to the successful candidate's experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available.

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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)