CREDIT QUALITY ANALYST CollaberaCREDIT QUALITY ANALYSTPlano$30–$32 / hourTemporaryContractorPartner with business teams and risk partners to identify upstream process control weaknesses and to propose process changes to enhance the control environment. • Drive execution and prompt follow up on defect remediation; debate of disputes in a professional manner and in accordance with process and procedures.
Business System Analyst Pinnacle Technical ResourcesBusiness System AnalystDallas,, Texas$50–$70 / hourContractorThe specific compensation for this position will be determined by a number of factors, including the scope, complexity and location of the role as well as the cost of labor in the market; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. This role involves serving as the Technology Development liaison and primary point of contact for requestors, whether Business or IT, and working across multiple organizations to align business strategies and functional architectures.
Accounting Operations Analyst AxelonAccounting Operations AnalystPlano, TXCarry out customer-facing accountabilities related to cash flow analysis, assessment of customer payment disputes, and collection of unpaid invoices. Highly skilled and knowledgeable in adjustments, research, collections, account issues, and customer relationships.
Senior Portfolio Manager First Horizon BankSenior Portfolio ManagerDallas, TXHeadquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. Partnering closely with Relationship Managers, this role leads the structuring, underwriting, origination, renewal, and servicing of credits; independently prioritizes requests, assesses risk and risk ratings, recommends optimal credit structures, and prepares and presents credit proposals.
NewSenior Specialist, Internal Audit, Risk Analytics/Modeling Charles SchwabSenior Specialist, Internal Audit, Risk Analytics/ModelingWestlake, TXThe Internal Audit Department (IAD) of The Charles Schwab Corporation provides independent and objective assessments to figure out whether all significant risks are identified and appropriately reported by management and risk functions to the Board and Executive Management, to evaluate whether risks are adequately controlled, and to challenge Executive Management to improve the efficiency of governance processes, risk management, and internal controls. The role includes performing testing as part of audit reviews of various model types including: Capital Stress Testing (CST), Fraud, Anti-Money Laundering (AML), Machine Learning, Credit risk, Interest Rate risk, Margin risk, Investment risk, and Business Intelligence/Marketing.
Credit Analyst - Austin, Houston or Dallas MRISpokaneCredit Analyst - Austin, Houston or DallasDallas, TXThe Credit Analyst supports the commercial lending function by underwriting loan requests, preparing credit packages, and ensuring timely and accurate analysis of borrower financials. This role is part of the production-facing credit team and plays a critical role in supporting loan growth and maintaining credit quality.
Credit Risk - Credit Analyst Team Lead NBH BankCredit Risk - Credit Analyst Team LeadDallas, TXAs a Credit Analyst Team Lead, you will contribute and capture the vision of the Director of Credit Solutions, then will train and mentor Credit Analysts in bank underwriting practices, monitoring of loans, and may have a team of Credit Analyst I - III reporting directly to them. Desired Skills: Ideal candidates for this position should possess some or all of the following skills: Advanced analytical and critical thinking skills, with the ability to evaluate complex financial information and identify key risk drivers.
Sr. Credit Analyst – Job 3729 BritePros Medical StaffingSr. Credit Analyst – Job 3729Dallas, Texas$95,000The position is responsible for the analysis of financial statements and other relevant factors that accurately assess the creditworthiness of new commercial credit requests and identify and mitigate key risks. Analyzing factors such as income growth, margins, trends, quality of management, market shares, industry risks and collateral assessment.
Sr. Wholesale Credit Analyst Harley-Davidson IncSr. Wholesale Credit AnalystPlano, TXRemote$75,800–$117,600 / yearHarley-Davidson Financial Services (HDFS), a wholly-owned subsidiary of Harley-Davidson, Inc., offers a wide range of financial products and services to motorcycle enthusiasts and Harley-Davidson dealerships. Products available to consumers include financing on motorcycles, MotorClothes, and parts and accessories; cycle insurance; and extended service plans for Harley-Davidson motorcycles.
NewCommercial Credit Analyst Hyundai Capital America, Inc.Commercial Credit AnalystPlano, TXThe associates will perform and coordinate comprehensive credit, collateral and economic reviews of all financing proposals and exercises decision-making responsibility for coordinating the proper documenting of transactions. At HCA, you'll find opportunities to build new skills, expand your career, and make a real impact-while working in a diverse, inclusive, and values‑driven environment.
Small Business Credit Analyst I Stellantis Financial Services USSmall Business Credit Analyst IDallas, TXPosition Summary : The Small Business Credit Analyst I is responsible for evaluating business applications by analyzing commercial and consumer bureaus to assess creditworthiness of potential borrowers. Review business loan and lease applications and conduct underwriting activities to assess risk, including analyzing commercial and consumer credit reports and other relevant data .
Credit Analyst - Financial Institutions Fifth Third BankCredit Analyst - Financial InstitutionsFrisco, Texas$54,400–$111,500 / yearPrepare succinct credit approval memos with minimal errors, including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions/rationale and terms and conditions. The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location.
NewSenior Credit Analyst Fifth Third BankSenior Credit AnalystDallas, TexasThe role is responsible for independently executing most aspects of the underwriting process, including in-depth financial and risk analysis, drafting approval and review materials, and supporting credit committees and portfolio reviews with limited oversight. The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location.
Credit Analyst II First Busey CorpCredit Analyst IITX$60,000–$75,000 / yearWork with Commercial Relationship Managers or other Lending staff to prepare clear and concise Commercial Credit Approval Request (CCAR) memos that include all pertinent information associated with the overall risk of the loan, identifying the strengths and weaknesses of the Borrower. Busey Bank, and its subsidiaries, does not accept any liability for fees for resumes from recruiters or employment agencies ("Agency"), without a binding, written recruitment agreement between Busey and Agency describing the services and specific job openings ("Agreement").
Senior Credit Analyst Herring BankSenior Credit AnalystLewisville, TXThis role partners closely with Relationship Managers, Regional Presidents, and Credit Leadership to evaluate lending opportunities, identify risk exposure, and support sound credit decisions aligned with the Bank’s credit culture and strategic goals. Herring Bank is seeking an experienced Senior Credit Analyst to support the Bank’s commercial lending and credit administration functions through advanced underwriting, financial analysis, portfolio monitoring, and risk assessment.
Sr. Commercial Credit Analyst Hyundai Capital AmericaSr. Commercial Credit AnalystDallas, Texas2. Provide Legal with accurate information for document prep / Review terms sheets and loan documents for accuracy and proper execution / Oversee the funding process of new flooring lines and/or loans / Ensure new lines/loans are accurately established in all required systems. 1. Review incoming requests for completeness and interface with Sales for any deficiencies / Interface with Sales/Dealer regarding financial statement questions / Ensure statements and adjustments are accurately reported in Crowe Navigator / Complete quality underwriting package within established time frame.
NewCommercial Credit Analyst Hyundai Capital AmericaCommercial Credit AnalystPlano, TexasThe associates will perform and coordinate comprehensive credit, collateral and economic reviews of all financing proposals and exercises decision-making responsibility for coordinating the proper documenting of transactions. At HCA, you'll find opportunities to build new skills, expand your career, and make a real impact-while working in a diverse, inclusive, and values-driven environment.
Sr. Credit Analyst - To 95K - Dallas, TX - Job 3729 The Symicor GroupSr. Credit Analyst - To 95K - Dallas, TX - Job 3729Dallas, TX$95,000The position is responsible for the analysis of financial statements and other relevant factors that accurately assess the creditworthiness of new commercial credit requests and identify and mitigate key risks. Analyzing factors such as income growth, margins, trends, quality of management, market shares, industry risks and collateral assessment.
Small Business Credit Analyst I First Investors Financial Services GroupSmall Business Credit Analyst IDallas, TXPosition Summary: The Small Business Credit Analyst I is responsible for evaluating business applications by analyzing commercial and consumer bureaus to assess creditworthiness of potential borrowers. Essential Responsibilities: Review business loan and lease applications and conduct underwriting activities to assess risk, including analyzing commercial and consumer credit reports and other relevant data.
Commercial Credit Analyst GpacCommercial Credit AnalystRockwall, TX60000–120000They will perform detailed financial analysis for all lending opportunities, prepare credit approval and modification requests for presentation to Loan Committee by the lenders, perform annual credit reviews as needed, ensure compliance with the Bank's credit policies and procedures, ensure the timely collection and spreading of interim and annual financial statements provided by clients, and update financial information to maintain current reporting. Analyzes data (i.e. financial statements, agency reports) on prospective and active borrowing accounts and prepares written reports evaluating the short and long-term prospects of the individual or company.
Credit Analyst I Stewart Title Guaranty CompanyCredit Analyst IIrving, TXIn addition, to verifying and updating credit information as requested by clients in support of the mortgage underwriting process, provides operational support to the production team through the course of the credit report supplement process. As a Stewart employee, you'll be joining a company that was named a 2024-2025 Best Company to Work For by U.S. News & World Report, and a 2025 Top Workplace by USA Today.
Senior Credit Analyst - Commercial, Community & Multifamily Lending Cavco Industries IncSenior Credit Analyst - Commercial, Community & Multifamily LendingPlano, TX7+ years of experience in commercial credit, financial analysis, loan structuring, banking, servicing, project management, or credit methodology development, including direct experience underwriting income-producing or real estate-secured transactions. CountryPlace Mortgage, a leading nationwide personal property, mortgage and commercial lender headquartered in Plano, TX, is seeking a Senior Credit Analyst - Commercial, Community & Multifamily Lending to help grow our Commercial Lending Department.
Senior Credit Analyst Guaranty Bank & TrustSenior Credit AnalystAddison, TexasSpecific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes. Determines credit worthiness by analyzing various commercial credit vehicles including financial statements (Balance Sheet, Income Statement, and Statement of Cash Flow), commercial credit bureau reports (Dun and Bradstreet, Experian & Equifax), SEC Filings, bond ratings, grants, tax returns, letters of credit, and budgetary information.
Credit Analyst I First United BankCredit Analyst IFrisco, TXOversees and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts, and notifies Loan Officers of any potential problems in a timely manner. Analyzes all relevant loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions, and First United's files.
Community Banking Credit Analyst UBankCommunity Banking Credit AnalystPlano, TexasCommunity Banking Credit Analyst Plano, Texas Full Time / On-Site Exempt Position Summary The Credit Analyst is responsible for accurately and efficiently analyzing, underwriting, and documenting commercial and/or consumer loan requests, including new credit extensions, renewals, and periodic credit reviews. The Analyst works closely with frontline lending staff to provide timely credit support, develop a clear understanding of borrower financial performance, identify potential risks, and assess the overall credit quality of each request.
Commercial Credit Analyst II - Underwriting General Motors Financial Company, Inc.Commercial Credit Analyst II - UnderwritingIrving, TXGM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, U.S. We are a global provider of auto finance solutions, with operations in North America, South America, and the Asia Pacific region. This role partners with dealers and internal stakeholders to gather and evaluate financial data, mitigate risk, and deliver accurate credit proposals that support business growth and portfolio quality.
Credit Analyst Hyundai Capital AmericaCredit AnalystPlano, TexasAll positions within the Operations Division are expected to collaborate cross-divisionally to achieve a seamless customer experience; this includes supporting other departments as necessary to meet the business need. Analyze information from credit applications utilizing the four C's of credit to make sound credit decisions based on appropriate authority level, while effectively negotiating the terms and conditions of loan decisions via dealer phone calls or electronic rehash.
Credit Analyst Tolleson Wealth ManagementCredit AnalystUniversity Park, TXAny Employment Agency, person or entity that submits an unsolicited resume to this site does so with the understanding that the applicant's resume will become property of Tolleson Wealth Management and that Tolleson Wealth Management will have the right to hire that applicant at its discretion and without any fee owed to the submitting Employment Agency, person or entity. Employment Agencies that have entered into agreements with Tolleson Wealth Management must submit applicants in accordance with the terms of the applicable agreements in order to be eligible for payment of placement fees.
Senior Credit Analyst Creation Technologies LLCSenior Credit AnalystDallas, TX$95,000–$120,000 / yearYou will be responsible for evaluating new and existing customer creditworthiness, recommending credit limits and terms, supporting credit policy development, and identifying opportunities to optimize receivables performance while minimizing financial risk. Working closely with Sales, Operations, Finance, and executive leadership, you will help drive informed business decisions that balance risk management with customer growth objectives.
Credit Analyst (Multiple Levels) U.S. BancorpCredit Analyst (Multiple Levels)Dallas, TX$75,820–$89,200 / yearPrior to making the credit decision or advising the person(s) making the final credit decision, the Credit Analyst conducts a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers. Reviews customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company.
NewGCIB Credit Analyst Bank of AmericaGCIB Credit AnalystDallas, TexasThis includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. This job is responsible for analyzing and interpreting a client's credit worthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities.
Credit Analyst I StewartCredit Analyst IIrving, TexasIn addition, to verifying and updating credit information as requested by clients in support of the mortgage underwriting process, provides operational support to the production team through the course of the credit report supplement process. As a Stewart employee, you’ll be joining a company that was named a 2024-2025 Best Company to Work For by U.S. News & World Report, and a 2025 Top Workplace by USA Today.
Senior Credit Analyst Glacier Bancorp IncSenior Credit AnalystRockwall, TXSpecific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes. Determines credit worthiness by analyzing various commercial credit vehicles including financial statements (Balance Sheet, Income Statement, and Statement of Cash Flow), commercial credit bureau reports (Dun and Bradstreet, Experian & Equifax), SEC Filings, bond ratings, grants, tax returns, letters of credit, and budgetary information.
Credit Analyst II Glacier Bancorp IncCredit Analyst IIRockwall, TXSpecific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes. Determines credit worthiness by analyzing various commercial credit vehicles including financial statements (Balance Sheet, Income Statement, and Statement of Cash Flow), commercial credit bureau reports (Dun and Bradstreet, Experian & Equifax), SEC Filings, bond ratings, grants, tax returns, letters of credit, and budgetary information.
Manager Credit Risk Analyst The Charles Schwab CorpManager Credit Risk AnalystWestlake, TXThe first line Finance Risk Management (FRM) function is an in-business strategic risk function within Finance, which designs and implements a cohesive risk management strategy and framework to adequately identify and mitigate risk while driving innovation and business growth. Develop portfolio analytics, stress testing, and management reporting to monitor counterparty exposures, identify emerging risks, and support risk-informed decision making across the securities financing portfolio.
NewSBA Credit Analyst 6 U.S. BancorpSBA Credit Analyst 6Dallas, TX$105,400–$124,000 / yearReviews customer accounts and portfolios, including SBA 7(a) and 504 loans, to identify, evaluate, and determine the appropriate course of action on potential credit quality, servicing, and compliance issues in order to maximize credit quality, preserve SBA guaranty eligibility, and minimize risk and potential loss to the company. Prior to making the credit decision or advising the person(s) making the final credit decision, the Credit Analyst conducts a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers.
Senior Credit Risk Analyst - Auto Financing Santander USSenior Credit Risk Analyst - Auto FinancingDallas, TXAnalyst also reviews, analyzes, and evaluates the Company’s credit risk management program to support risk-based processing and reporting that reduce operating losses and maintain the maximum protection of the organization’s assets, products, and services. This role is accountable for all aspects of credit quality, including compliance with regulatory requirements and internal controls, and recommends opportunities and proposed resolutions that improve efficiency, effectiveness, and risk reduction for the department.
Field Exam Analyst - Business Credit The PNC Financial Services Group IncField Exam Analyst - Business CreditDallas, TX$45,000–$105,000 / yearPNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions. When leading an Examination, manages the due diligence process and directs the daily progress of field work performed by the other Field Examiners assigned to the Examination to ensure all assignments and duties are completed in an accurate and timely manner.
PGIM: 2027 Private Credit, Summer Investment Analyst Program PGIM Global High Yield FundPGIM: 2027 Private Credit, Summer Investment Analyst ProgramDallas, TX$35–$40 / hourOur Private Credit Summer Analyst Program hosts interns across various teams including: Corporate Finance, Real Assets, Alternatives, Workouts/Restructuring, and Loan Sourcing/Syndication. PGIM's Private Credit business provides long-term, patient capital to middle-market companies engaged in buyout transactions, refinancings, recapitalizations, growth investments and more.
Senior Credit Analyst Commercial Metals CoSenior Credit AnalystIrving, TXWhether you will spend your day brainstorming in an office cubicle, operating a crane, running manufacturing equipment or troubleshooting technical obstacles, at CMC, you'll get the training and support from your team that you need to excel in your role and reach your full potential. If you're ready to join a team working to make our industry more sustainable, support the bridges, roadways, buildings and infrastructure that connects our communities, and do meaningful work, you're ready to join CMC.
Global Banking & Markets, Private, Infrastructure and Real Asset Finance Group, Credit Analyst/Portfolio Management, Associate - Dallas The Goldman Sachs Group IncGlobal Banking & Markets, Private, Infrastructure and Real Asset Finance Group, Credit Analyst/Portfolio Management, Associate - DallasDallas, TXAs part of the broader Global Banking & Markets division, we manage complex, private credit-driven deals, directly addressing the booming need for AI-related infrastructure and expanding Goldman Sachs'' leadership in the private capital market. We''re committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs.
Credit Union Back Office Operations Analyst III Jack Henry & Associates IncCredit Union Back Office Operations Analyst IIITXRemote$59,750–$89,600 / yearIn this project‑based role, you'll guide credit unions through their conversion journey, traveling to client sites to set up system environments, deliver training, test functionality, and ensure a smooth transition to Symitar. Our Credit Union Core Implementation team is seeking an Application Support Analyst-a hands‑on implementation specialist who partners directly with credit union leaders to configure, train, and launch their new core system.
Application Support Analyst II Back Office Credit Union Jack Henry & Associates IncApplication Support Analyst II Back Office Credit UnionTXRemote$48,350–$72,450 / yearIn this fast‑paced environment, you will deliver high‑quality software support by analyzing client issues, identifying root causes, and guiding customers toward effective resolutions. This role blends your technical expertise, procedural understanding, and financial institution experience to support our credit union partners-helping strengthen the relationship between Jack Henry, the credit union, and ultimately its members.
NewCredit Analyst Briggs Industrial SolutionsCredit AnalystDallas, TexasAssociate degree in Accounting, Finance, Business, or a related field preferred (or equivalent professional experience), along with 5+ years of commercial B2B collections or credit experience managing a sizable accounts receivable portfolio. Strong understanding of accounts receivable, credit, GAAP accounting principles, and customer payment behavior, with the ability to resolve complex collection challenges while maintaining positive relationships.
NewSenior Analyst, Credit Operations Modeling Synchrony FinancialSenior Analyst, Credit Operations ModelingDallas, TXQualifications/Requirements: Bachelor's degree with quantitative underpinning (i.e., Data Science, Computer Science, Risk, Accounting, Business, Economics, Finance, Mathematics, Statistics, Engineering) and 5+ years of experience in Programming / Analytics ideally in support of Risk, Credit, Finance, Accounting, Consumer Lending, or other relevant professional experience or in lieu of degree 9+ years of experience in Risk, Credit, Finance, Accounting or Consumer Lending. Role Summary/Purpose: Synchrony's Credit and Capital Management group is looking for a data scientist / credit risk modeling professional experienced with executing, maintaining and developing models under the relevant regulatory guidance (SR 11-7 / OCC 2011-12, CECL, CCAR, DFAST).
Commercial Credit Risk Oversight Analyst Toyota Motor CorpCommercial Credit Risk Oversight AnalystPlano, TXThe primary responsibility of this role is to support the Commercial Credit Risk Oversight function by strengthening policies and procedures related to underwriting, documentation, portfolio management, and regulatory compliance across Commercial Services, with a focus on alignment between Toyota Financial Services (TFS) and Toyota Financial Savings Bank (TFSB). 3+ years of experience at a captive auto finance company or banking institution with direct exposure to wholesale commercial credit portfolios, including underwriting, portfolio management, or management of high-risk commercial accounts.
Commercial Credit Risk Oversight Analyst TCC Toyota Motor Credit Corporation CompanyCommercial Credit Risk Oversight AnalystPlano, TexasThe primary responsibility of this role is to support the Commercial Credit Risk Oversight function by strengthening policies and procedures related to underwriting, documentation, portfolio management, and regulatory compliance across Commercial Services, with a focus on alignment between Toyota Financial Services (TFS) and Toyota Financial Savings Bank (TFSB). 3+ years of experience at a captive auto finance company or banking institution with direct exposure to wholesale commercial credit portfolios, including underwriting, portfolio management, or management of high-risk commercial accounts.
PGIM: 2027 Private Credit, Summer Investment Analyst Program Prudential Financial IncPGIM: 2027 Private Credit, Summer Investment Analyst ProgramDallas, TX$35–$40 / hourOur Private Credit Summer Analyst Program hosts interns across various teams including: Corporate Finance, Real Assets, Alternatives, Workouts/Restructuring, and Loan Sourcing/Syndication. PGIM's Private Credit business provides long-term, patient capital to middle-market companies engaged in buyout transactions, refinancings, recapitalizations, growth investments and more.
PGIM: 2027 Private Credit, Investment Analyst Program Prudential Financial IncPGIM: 2027 Private Credit, Investment Analyst ProgramDallas, TX$80,000–$100,000 / yearPGIM's Private Credit business provides long-term, patient capital to middle-market companies engaged in buyout transactions, refinancings, recapitalizations, growth investments and more. PGIM offers a distinct workplace culture that aligns with the firm's ultimate objective: to provide premier service to our clients while fostering an inclusive workplace culture that is rooted in trust, respect, and equality.
Credit Risk Analyst I - Texas - Onsite Security National BankCredit Risk Analyst I - Texas - OnsiteDallas, TXAs part of the ongoing portfolio management for Commercial & Industrial (C&I) businesses, commercial real estate investors, and private banking clients: Annual Credit Reviews: For Borrowers generally over Loan Committee thresholds, determine on-going credit quality and appropriateness of the assigned risk rating by reviewing the Borrower's payment history, financial statement trends & cash flow, and/or operating statements and rent rolls for the Bank's commercial real estate collateral. For Commercial & Industrial (C&I) businesses, commercial real estate investors, and private banking clients: New Business: For new or existing relationships with proposed credit exposure generally over Loan Committee thresholds, prepare a Credit Memo with the Relationship Manager including: analysis of the business and industry, financial statement changes and trends, cash flow adequacy, collateral coverage, and Guarantor support (including a global cash flow analysis, as needed).