Careers.

Commercial Credit Risk Analyst

Exempt, Non-Officer

Salt Lake City, Utah

Overview:

The Commercial Credit Risk Analyst’s primary duties include facilitating the credit underwriting and ongoing financial review process for a large number of independent contractors who, as strategic business partners of the Bank, refer their customers to the Bank to apply for unsecured home improvement loans. The credit underwriting process includes making credit decisions using both objective and subjective credit criteria. This position is also responsible for conducting, documenting, and tracking ongoing financial reviews, as well as assisting the Credit Risk Manager in preparing contractor credit review packages for Credit Committee.

This position reports to the VP and Credit Risk Manager and interfaces regularly with individuals in the Sales and Marketing Divisions in both Salt Lake City and North Carolina.

Qualifications:

The ideal candidate will have solid experience analyzing a wide variety of business financial statements, be able to identify inconsistencies in the reported financial information and be able to communicate effectively and professionally with business owners. The candidate should have experience writing and presenting credit reviews and recommendations for management. The candidate will be able to quickly evaluate business credit reports, Dun & Bradstreet reports, personal credit reports, BBB reports, and other relevant information necessary to make informed and reliable recommendations to bank management. This individual must be detail oriented and proficient with Microsoft Word and Excel. The candidate should have strong organization and time management skills.

Roles & Responsibilities:

  • Request updated documentation from contractors prior to performing scheduled reviews. Make decisions regarding contractor performance and whether contractor remediation or deactivation is warranted.
  • Conduct ad hoc financial reviews of existing contractors to determine ongoing eligibility of loan product access and program participation.
  • Underwrite contractors using both objective and subjective credit criteria to determine eligibility to participate in EnerBank USA loan programs.
  • Assist the Credit Risk Manager in preparing Credit Committee packages, including financial statement analysis and written credit reviews.
  • Other tasks as assigned.


General Requirements:

  • Thorough understanding of business financial statements and other reports and data utilized in the Bank’s contractor underwriting process
  • Strong computer and organizational skills
  • Excellent oral and written communication skills
  • Good analytical skills
  • Ability to work independently and as part of a team
  • Ability and desire to work in a fast paced, dynamic work environment often with individuals in a remote location
  • Bachelor’s degree or equivalent experience required
  • 3-5 years of business financial statement analysis/commercial credit experience


Work Hours:

Business hours are Monday through Friday 40 hours a week as assigned. Overtime may be needed on occasion.

To apply please email your cover letter and resume to This email address is being protected from spambots. You need JavaScript enabled to view it..

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Business Analyst

Exempt, Full-Time Permanent

Salt Lake City, Utah

Overview:

  • Data-driven strategy
  • Research and analytics
  • Database systems and reporting

This position is responsible for assisting the BI Manager in the implementation of management’s intelligence needs by gathering and analyzing related information, providing timely reports to be acted on, and assisting in the implementation of those recommendations. The Business Analyst must be comfortable working with data and enjoy strategizing on how to best leverage data to solve complex business needs. He/she must develop an in depth knowledge of the bank’s business model, strategic plan, reporting systems and databases, and operational processes.

Primary Responsibilities:

  • Develop and produce business intelligence briefings used by senior management
  • Measure and report on the progress of key strategic goals of the bank
  • Provide reports as needed to guide the day to day operations of each of the Bank’s departments
  • Engage in original market research to identify SWOT for the Bank
  • Analyze data through the use of statistics to ensure key findings are significant and robust
  • Work closely with IT to ensure database systems are setup to meet business intelligence needs
  • Assist in the implementations of recommendations given by the BI department
  • Other duties as assigned


Technical Skills:

  • Translate strategic objectives into an overall research, measurement and reporting plan
  • Market research and statistics
  • Pull data from database systems through object or syntax based queries
  • Transform and organize data into logical groupings through excel based functions
  • Strong command of Microsoft Excel, PowerPoint and Word (a true power user)


General Requirements and Skills:

  • Bachelor's Degree (Master’s degree preferred) with classes in quantitative field (statistics, economics, engineering, etc.)
  • 2+ years’ experience in analysis preferred
  • Proven ability to complete projects and meet deadlines
  • Highly developed communication skills, both written and oral


Work Hours:

Business hours are Monday through Friday 40 hours a week as assigned. Overtime may be needed on occasion.

To apply please email your cover letter and resume to This email address is being protected from spambots. You need JavaScript enabled to view it..

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Inbound Loan Processing Customer Service

Full Time Position

Salt Lake City, Utah

Job Summary:

As an inbound customer service representative, you’ll be responsible for accepting and processing our customer’s loan applications. Based on their information, you will then make a decision to approve or deny the application and then advising them on the status of their loan. This is a position that requires an individual to follow our process and procedure to insure accuracy of the paperwork. Our preprogrammed software “walks” you through the process. All else that is needed to succeed is a friendly, helpful and most important of all, professional image. You’re never without backup; your manager is always ready to step in and help you out.

What We Have to Offer :

  • Great management team committed to your success.
  • Excellent training and on-going support.
  • Positive and friendly work environment
  • Pay raises based on performance - not time with the company.
  • Advancement opportunities (if desired) offered on a regular basis.
  • Professional but “business casual” workplace.
  • Dynamic and forward-thinking company vision.


Attributes Necessary for the Position:

  • Always follows processes and procedures.
  • Accountable and responsible member of the team.
  • Able to communicate effectively with different personalities.
  • Willingness to “pitch in” and support your fellow team members.
  • Works well without close supervision.
  • Dependable and reliable.
  • Some college coursework preferred.
  • Good computer skills.


Schedule:
We are open 6:00 AM – 11:00 PM – Monday through Friday and 7:00 AM- 6:00 PM on Saturdays and 9:00 AM- 5:00 PM on Sundays. Occasional voluntary overtime.


Compensation:

  • Tuition reimbursement program (up to 90%.)
  • Generous health benefits that begin day 1 of employment.
  • 401K plan that begins after your first month of employment.

If after reading the above, you can say to yourself “that’s me,” contact us A.S.A.P. To arrange for a confidential interview, email résumé with cover letter (MS Word) to: This email address is being protected from spambots. You need JavaScript enabled to view it.. All résumés will be personally reviewed by the manager of the department.

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Collections Representative

Non-Exempt

Salt Lake City, Utah

Overview
The position will be responsible for all aspects associated with EnerBank’s daily collection process. This will include daily telephone communication with customers at all levels of delinquency as well as notice generation. The position reports to the Collections Manager.

Qualifications:
Requires knowledge of collection procedures and practices. Has a working knowledge of the Fair Debt Collection Practices Act. The employee has demonstrated the ability to work as part of a team, with proven professionalism, proven telephone skills and has learned professional collections techniques.


Primary Daily Responsibilities:

  • Contacts customers by telephone or other methods/means approved by the Bank for the purpose of resolving the delinquent status of accounts
  • Counsel customers to available payment options
  • Documenting outcomes and actions taken in Collection System notes
  • Processing customer payments via phone
  • Other duties as assigned


General Requirements:

    • Good customer service and collection skills
    • Ability to remain calm and focused under stressful conditions
    • Experience with typical collection software
    • MS Office experience including Word, Excel and Access
    • Good written and verbal communication skills
    • Detail oriented
    • Ability to multi-task and perform in a fast paced/changing environment
    • Goal oriented team player
    • Strong negotiating skills


Schedule:

Full Time 40 hours per week. Collection hours to be determined and may change based on business needs. Some Saturday and evening shifts may be required.


To arrange for a confidential interview, email résumé with cover letter to: This email address is being protected from spambots. You need JavaScript enabled to view it.. All résumés will be personally reviewed by the manager of the department.

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Inbound Customer Service

Part Time Position

Salt Lake City, Utah

Job Summary:

As an inbound customer service representative, you’ll be responsible for accepting and processing our customer’s loan applications. Based on their information, you will then make a decision to approve or deny the application and then advising them on the status of their loan. This is a position that requires an individual to follow our process and procedure to insure accuracy of the paperwork. Our preprogrammed software “walks” you through the process. All else that is needed to succeed is a friendly, helpful and most important of all, professional image. You’re never without backup; your manager is always ready to step in and help you out.

What We Have to Offer :

  • Great management team committed to your success.
  • Excellent training and on-going support.
  • Positive and friendly work environment
  • Pay raises based on performance - not time with the company.
  • Advancement opportunities (if desired) offered on a regular basis.
  • Professional but “business casual” workplace.
  • Dynamic and forward-thinking company vision.


Attributes Necessary for the Position:

  • Always follows processes and procedures.
  • Accountable and responsible member of the team.
  • Able to communicate effectively with different personalities.
  • Willingness to “pitch in” and support your fellow team members.
  • Works well without close supervision.
  • Dependable and reliable.
  • Some college coursework preferred.
  • Good computer skills.


Schedule:
We are open 6:00 AM – 11:00 PM – Monday through Friday and 7:00 AM- 6:00 PM on Saturdays and 9:00 AM- 5:00 PM on Sundays. Part time afternoon / evening and weekend shifts are currently available. Occasional voluntary overtime.


Compensation:

  • $12.00 - $13.00 salary range for position.
  • Tuition reimbursement program (up to 45%.)
  • Generous health benefits that begin day 1 of employment.
  • 401K plan that begins after your first month of employment.

If after reading the above, you can say to yourself “that’s me,” contact us A.S.A.P. To arrange for a confidential interview, email résumé with cover letter (MS Word) to: This email address is being protected from spambots. You need JavaScript enabled to view it.. All résumés will be personally reviewed by the manager of the department.

Read more

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