Sr. ACH Credit Analyst

4 weeks ago

Buffalo, United States Northwest Bank Full time
Description

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.

#LI-EK1

#LI-Hybrid

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)

  • Sr. ACH Credit Analyst

    2 weeks ago

    Buffalo, United States Northwest Bank Full time

    Description Job SummaryThe 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...

  • Sr. ACH Credit Analyst

    1 week 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...

  • Cash Services Analyst

    4 weeks ago

    Buffalo, United States Benderson Full time

    Senior Cash Services Analyst Assist with the processing, application, review of tenant and non-tenant payments for all properties and company entities. Principle Duties and Responsibilities * Receive, open and scan mail related to cash payments received from tenants and non-tenants and other company entities. Scan manual invoices from non-sufficient fund...

  • Cash Services Analyst

    3 days ago

    Buffalo, United States Benderson Full time

    Senior Cash Services Analyst Assist with the processing, application, review of tenant and non-tenant payments for all properties and company entities. Principle Duties and Responsibilities * Receive, open and scan mail related to cash payments received from tenants and non-tenants and other company entities. Scan manual invoices from non-sufficient fund...

  • Cash Services Analyst

    1 month ago

    Buffalo, United States Benderson Development Company, LLC Full time

    Job DescriptionJob DescriptionSenior Cash Services AnalystAssist with the processing, application, review of tenant and non-tenant payments for all properties and company entities.Principle Duties and ResponsibilitiesReceive, open and scan mail related to cash payments received from tenants and non-tenants and other company entities. Scan manual invoices...

  • Cash Services Analyst

    4 weeks ago

    Buffalo, United States Benderson Development Company, LLC Full time

    Job DescriptionJob DescriptionSenior Cash Services AnalystAssist with the processing, application, review of tenant and non-tenant payments for all properties and company entities.Principle Duties and ResponsibilitiesReceive, open and scan mail related to cash payments received from tenants and non-tenants and other company entities. Scan manual invoices...

  • Cash Services Analyst

    3 days ago

    Buffalo, United States Benderson Development Company, LLC Full time

    Job DescriptionJob DescriptionSenior Cash Services AnalystAssist with the processing, application, review of tenant and non-tenant payments for all properties and company entities.Principle Duties and ResponsibilitiesReceive, open and scan mail related to cash payments received from tenants and non-tenants and other company entities. Scan manual invoices...

  • Credit Analyst

    37 minutes ago

    Buffalo, United States O'Bannon Bank Full time

    Job DescriptionJob DescriptionThe Credit Review Analyst will provide accurate and timely credit analysis to support the loan portfolios and new business efforts for the bank. The CRA will perform various duties of a credit review including loan credit reviews, loan reports, escrow account analysis, and other miscellaneous duties. We are looking for an...

  • Credit Risk Business Analyst

    1 week ago

    Buffalo, United States Axelon Full time

    Global Financial Firm located in Buffalo, NY has an immediate contract opportunity for an experienced Business Analyst. This role is currently on a Hybrid Schedule. You will need to have reliable internet, computer and android or iPhone for remote access into the client systems during remote work. We will be expected in the office weekly 2-3 days depending...

  • Credit Policy Analyst II

    2 weeks ago

    Buffalo, United States M&T Bank Full time

    Responsible for organizing and controlling all aspects of M&Ts Credit Policy Manual to include but not limited to: drafting with limited supervision changes to Credit Policy that are clear, conscience and follow proper formatting. Member of a workin Policy, Analyst, Credit, Technology, Banking, Experience

  • Sr. Business Analyst

    3 weeks ago

    Buffalo, United States Datafielder Full time

    Sr. Business Analyst ( Finance & Technology) DataFielder Inc - Buffalo, NY Tagged: Business Analyst DataFielder is a woman-minority certified (MBE) staffing and consulting services agency. Our mission is to provide organizations with exceptional talent while advocating for diverse and underrepresented groups through data-driven insights. We are seeking...

  • Sr. Business Analyst

    2 days ago

    Buffalo, United States Datafielder Full time

    Sr. Business Analyst ( Finance & Technology) DataFielder Inc - Buffalo, NY Tagged: Business Analyst DataFielder is a woman-minority certified (MBE) staffing and consulting services agency. Our mission is to provide organizations with exceptional talent while advocating for diverse and underrepresented groups through data-driven insights. We are seeking...

  • Area Credit Manager

    4 weeks ago

    Buffalo Grove, United States U.S. LBM Holdings, LLC Full time

    US LBM is one of the leading and fastest growing distributors of specialty building materials in the United States, with a team of over 15,000 employees located throughout the country. Since our founding in 2009, we have acquired over 70 companies an Manager, Operations, Credit Analyst, Credit

  • Credit Risk Business Analyst

    1 week ago

    Buffalo, United States Axelon Full time

    Global Financial Firm located in Buffalo, NY has an immediate contract opportunity for an experienced Business Analyst.This role is currently on a Hybrid Schedule. You will need to have reliable internet, computer and android or iPhone for remote access into the client systems during remote work. We will be expected in the office weekly 2-3 days depending on...

  • Area Credit Manager

    2 weeks ago

    Buffalo Grove, United States US LBM Holdings Full time

    US LBM is one of the leading and fastest growing distributors of specialty building materials in the United States, with a team of over 15,000 employees located throughout the country. Since our founding in 2009, we have acquired over 70 companies and have expanded to more than 500 locations serving 37 states. US LBM is a progressive organization that...

  • Area Credit Manager

    2 days ago

    Buffalo Grove, United States US LBM Holdings Full time

    US LBM is one of the leading and fastest growing distributors of specialty building materials in the United States, with a team of over 15,000 employees located throughout the country. Since our founding in 2009, we have acquired over 70 companies and have expanded to more than 500 locations serving 37 states. US LBM is a progressive organization that...

  • Financial Analyst

    2 weeks ago

    Buffalo, United States Aither Health Full time

    Job Description Job Title Finance Analyst Why this role is important: Aither's Financial Analyst provides transparency to our clients by accurately managing the distribution of each client's plan assets. You'll be our client and vendor "go to guy" to help them make sense or cents of their finance questions. What you'll do: Process. Calculate, review,verify...

  • Area Credit Manager

    2 weeks ago

    Buffalo Grove, United States US LBM Holdings LLC Full time

    US LBM is one of the leading and fastest growing distributors of specialty building materials in the United States, with a team of over 15,000 employees located throughout the country. Since our founding in 2009, we have acquired over 70 companies and have expanded to more than 500 locations serving 37 states. US LBM is a progressive organization that...

  • Area Credit Manager

    2 days ago

    Buffalo Grove, United States US LBM Holdings LLC Full time

    US LBM is one of the leading and fastest growing distributors of specialty building materials in the United States, with a team of over 15,000 employees located throughout the country. Since our founding in 2009, we have acquired over 70 companies and have expanded to more than 500 locations serving 37 states. US LBM is a progressive organization that...

  • Sr Finance Analyst

    3 weeks ago

    Buffalo, New York, United States General Mills Full time

    SENIOR FINANCE ANALYST - BUFFALO PLANT OVERVIEW: The Senior Financial Analyst position at our Buffalo plant offers an exciting and differentiating opportunity to build your knowledge of Supply Chain In this cross-functional role, you will gain many important experiences, including working on HMM and transformational initiatives, building and executing a...