Financial Statement Analysis

Financial Statement Analysis Finance Jobs

11 jobs found

Assistant Vice President, Economic Damages and Valuations

J.S. Held LLC San Francisco, CA Hybrid

24d ago

$145k - $190k/yr Full time Assistant AVP Business Litigation

Assistant AVP Business Litigation

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Job Description

Overview

We are a global consulting firm delivering technical, scientific, financial, and strategic guidance to help clients realize value and manage risk. Our professionals act as trusted advisors on high-stakes matters that require timely action, integrity, and rigorous analysis of both tangible and intangible assets. We provide a broad range of services, tools, and data to help clients navigate complex, contentious, and high-impact situations.

Position Summary

We are seeking an Assistant Vice President to join the Economic Damages and Valuation team. This role suits an entrepreneurial, highly driven professional with a versatile skill set who can contribute beyond traditional VP duties. The ideal candidate will combine expertise in consulting and business litigation with flexibility and strategic thinking to handle a variety of tasks.

Location: Hybrid remote in San Francisco, CA

Team and Role Details

The position requires a minimum of seven years of experience evaluating economic damages in business litigation across diverse industries. A solid background in financial statement analysis and expert report preparation is essential. The AVP will help lead day-to-day project management and maintain client communications across multiple engagements.

Key Responsibilities

Help lead complex business litigation engagements to quantify economic damages, including engagement planning, task delegation, and team management.
Develop and maintain client relationships, serving as the direct contact with current and prospective clients.
Engage with clients in person to gather data and information relevant to the engagement.
Provide insight on target industries, markets, and competitor information.
Manage damages analyses by selecting appropriate methodologies and building and reviewing financial models.
Draft expert reports and review opposing damages experts' reports.
Take on assignments as an expert witness when appropriate and provide expert witness testimony.

Qualifications

Required Qualifications

Bachelor’s or master’s degree with a strong quantitative focus (e.g., Business, Economics, Math, Finance, or Accounting).
Minimum of 5 years of experience evaluating economic damages in business litigation.
Proficiency in Microsoft Excel and Microsoft Word, with strong verbal and written communication skills to produce high-quality expert reports.
Solid project management abilities.
Strong analytical and critical thinking skills with attention to detail and the ability to meet deadlines.
Independent work ethic, leadership capabilities, and excellent communication to address client questions and requests.

Preferred Qualifications

Professional certifications (e.g., CPA, ASA, CVA, ABV, CFA) or progress toward earning them.
Experience providing testimony is desirable but not required.

Physical and Mental Job Demands

Prolonged periods of sitting at a desk and working on a computer. Travel may be required as needed.

Benefits and Compensation

Salary range: $145,000 - $190,000. Final offer will reflect a range of factors including skillset, experience, training, location, scope of role, and management responsibilities.
Flexible work environment with remote options as needed.
Flexible Time Off policy.
Medical, Dental, and Vision Insurance.
401(k) Match.
Commuter Benefits.

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Associate - Wholesale Credit Delivery - GovCon segment

Truist Bank McLean, VA

1mo ago

Full time Associate Bachelor's Degree Banking

Associate Bachelor's Degree Banking

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Job Description

Role overview

Wholesale Credit Delivery Associates and Analysts bring solid knowledge of market dynamics, credit, and product offerings across Commercial Banking, Commercial Real Estate, and Wealth Specialty segments. They perform financial analysis, risk assessment, and provide credit-structure recommendations for clients and prospects. They take ownership of project work in collaboration with a designated senior Credit Delivery leader and mentor junior teammates. They conduct prudent underwriting and ensure effective credit and risk administration with a focus on adhering to credit policy and requirements. They augment analysis with research from diverse sources to evaluate client, competitor, property segment, market, and industry risks and trends. As associates progress, they operate with less oversight, assuming greater ownership of assigned clients and opportunities and engaging confidently in independent client interaction.

Essential Duties and Responsibilities

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

Facilitates the diligence and underwriting documentation of the less complex and smaller credit relationships; supports credit presentation preparation and discussions with Credit Officer and other final approvers and coordinates legal documentation efforts through closing and funding phase.
Ensures loan agreement is in accordance with approval documents.
Identifies potential issues contained within loan documentation and takes steps to address the issues, in consultation with Relationship Manager.
Analyzes financial statements/projections and documents client performance, along with identified risk and risk mitigants of less complex credits.
Ensures all Credit Process Metrics are within prescribed tolerances.
Accountable for the risk evaluation and associated compliance requirements within assigned portfolio and for prospects.
Identifies issues and follows through for remediation.
Serves as a client and internal point of contact in managing assigned portfolio (may include site visit and/or visit with client management team).
Supports and mentors Credit Delivery Analysts.

Required Qualifications

The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Bachelor’s degree in Finance, Accounting, Economics or Business, or an equivalent combination of education and work experience.
2-3 years of Commercial Banking, Commercial Real Estate, or Wealth Specialty business experience.
Excellent verbal and written communication skills.
Demonstrated proficiency in basic computer applications, such as Microsoft Office software products.
Strong analytical and problem-solving skills.
Knowledge of commercial real estate credit delivery principles.
Ability to handle multiple priorities under time constraints.
Demonstrated success working in a collaborative team environment.

Preferred Qualifications

Master’s in Commercial Banking or Real Estate or combined Commercial Banking/Commercial Real Estate experience through internships or other experiences; or an equivalent combination of educational and experience or other related advanced degree.
2 years of experience in a Commercial Banking or Commercial Real Estate Associate Development Program and/or equivalent experience in a Credit Delivery role.

Location

McLean, VA 22101

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Senior Loan Review Associate

Merchants Bank of Indiana Carmel, IN

1mo ago

Full time Senior Associate Banking

Senior Associate Banking

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Job Description

Location: Carmel, IN 46032

Role overview

The Senior Loan Review Associate operates within the Loan Review team under Enterprise Risk Management. This role conducts reviews of the Bank's non-consumer loan portfolios, analyzing financial information, collateral, and underwriting decisions to ensure alignment with Bank policies and regulatory guidelines. It involves assessing the quality and condition of individual credits and determining appropriate risk ratings. The incumbent will provide the VP, Loan Review with objective assessments of the credits reviewed in a timely manner. Internal loan review delivers management and the board with an objective, independent, and timely evaluation of the overall quality of the non-consumer loan portfolios. The Senior Loan Review Associate is expected to validate loan risk ratings based on the timely identification of problem loans by business units so that necessary actions can be taken to strengthen credit quality and minimize the Bank's credit loss. An effective credit risk review system identifies relevant trends affecting portfolio quality and highlights segments that may present risk.

Key responsibilities

Perform loan review analyses of non-consumer loans across the Bank’s portfolios, including financial information, cash flow, collateral, loan documentation, and underwriting decisions.
Analyze Debt Service Coverage Ratio and covenant trends, and update action plans for classified assets as needed.
Ensure individual loan transactions are adequately underwritten and properly graded in accordance with Policy.
Provide recommendations for adjustments to the loan risk grade.
Collaborate with the VP, Loan Review and applicable credit personnel to discuss results and recommendations.
Participate in targeted reviews as directed by the VP, Loan Review, including retrospective postmortem reviews and lessons learned to identify underwriting or asset management improvements to prevent future credit issues.
Identify relevant portfolio trends that may indicate changes in credit risk.
Develop and maintain functional partnerships with colleagues in the line of business to ensure effective communication and understanding of credit-related processes.
Promote a positive work atmosphere by maintaining a professional demeanor and effective communication with co-workers, management, partners, and vendors.
Ensure compliance with all banking laws, rules, regulations, and prescribed policies and procedures to reduce risk and uphold ethical standards related to duties.
Validate loan risk ratings based on the timely identification of problem loans by the business units to enable necessary actions.

What we are looking for

Bachelor’s degree in a business-related field or accounting is required, with a minimum of five years’ experience as a credit analyst, loan review analyst, or risk analyst overseeing a growing commercial portfolio.
Knowledge in SBA, commercial and industrial, multi-family, and healthcare lending; banking or financial services background is preferred.
Strong analytical and organizational skills.
Ability to influence at all levels of the organization through strong verbal and written communication skills, with demonstrated confidentiality.

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Portfolio Manager or Senior Portfolio Manager, Income Property Group

KeyBank National Association Cleveland, OH Hybrid

1mo ago

$80k - $150k/yr Full time Manager Senior Asset Quality

Manager Senior Asset Quality

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Job Description

Location

Office address: 127 Public Square, Cleveland, Ohio

Working arrangement: Hybrid remote in Cleveland, Ohio 44115

Overview

The Portfolio Manager role delivers relationship management support for a defined portfolio of clients, including active commercial real estate owners, investors, and developers. This position works closely with Relationship Managers to provide comprehensive financial guidance and solutions that help clients achieve their objectives while leveraging Key's product platform. Portfolio Managers contribute to the team’s revenue and risk management goals through activities such as credit monitoring, file maintenance, ongoing covenant compliance verification, business development and lending and sales support, and operational support.

Essential Functions

Proactively manage the portfolio to maximize profitability and maintain strong asset quality, with timely identification and resolution of issues and accurate loan risk rating assignments. Assist in resolving out-of-balance and default situations within the portfolio.
Assist in structuring and delivering credit and non-credit product solutions while applying sound risk management to maximize risk-adjusted returns on shareholder capital; assess risk materiality and mitigate accordingly.
Support the asset generation strategy that balances risk and return. Contribute to the team’s consultative process to deepen existing relationships, onboard new ones, and exit unprofitable relationships. Participate in call preparation.
Serve as a trusted advisor to clients and prospects. Build credibility with internal and external stakeholders based on sound judgment and timely, accurate information sharing. Share constructive feedback with teammates and stakeholders.
Collaborate with Credit, Product Partners, Closers, Servicing, technical services, and other partners to identify cross-sell opportunities, deepen client relationships, and overcome obstacles to deliver seamless execution.
Analyze business and personal financial statements to identify strengths and weaknesses and inform deal structures, pricing, and terms.
Deliver timely completion of write-ups, loan recommendations, and structuring, along with analysis of financial statements and identification of transaction strengths and weaknesses.
Underwrite construction and interim loans in accordance with KeyCorp credit policy requirements.
Coordinate and complete annual reviews, loan renewals, quarterly portfolio reviews, and asset quality reports timely. Monitor adherence to approved loan requirements, manage past-due items, reminder ticklers, portfolio follow-up, and credit files. Work with Portfolio Services to facilitate annual reviews and property inspections, monitor covenant compliance, and secure the bank’s position to avoid losses.
Participate in community and professional organizations to enhance expertise and visibility.
Perform other duties as assigned; responsibilities may change or new ones may be added at any time with or without notice.
Adhere to all KeyBank policies and procedures, conduct business ethically, avoid conflicts of interest, and act in the best interests of Key and its clients.

Education and Experience

Education: Bachelor’s degree in accounting, finance or a related field is preferred, or equivalent experience is required.

Portfolio Manager experience: 1+ years of finance-related experience is preferred. Strong proficiency in MS Office, spreadsheets, Internet applications, and common business software; demonstrated ability to communicate effectively in writing and verbally (preferred).

Senior Portfolio Manager experience: Bachelor’s degree in accounting, finance or a related field or equivalent experience; at least 3+ years of commercial real estate underwriting and/or lending experience. Strong proficiency in MS Office, spreadsheets, Internet applications, and common business software; excellent written and verbal communication skills.

Preferred Qualifications

Master of Business Administration.
Broad knowledge of key product areas such as interim and permanent credit facilities, cash management, interest rate management, syndications, private equity, subordinated debt, deposits, leasing, private banking, equipment finance, etc.
Experience in credit and/or workout teams.
Outstanding credit skills, analytical skills, and financial acumen.
Excellent communication and listening skills. Uses analytical approaches to identify issues, evaluate options, and implement effective solutions that support portfolio goals.
Rapidly absorbs new information and adapts to evolving tools, processes, and business priorities. Uses time effectively and can manage multiple tasks to keep projects moving forward when needed.
Makes timely and informed decisions by balancing data insights, stakeholder input, and business impact.
Prioritizes stakeholder needs and delivers solutions that enhance user experience and business value.
Leverages quantitative analysis and performance metrics to guide strategic portfolio recommendations.

Core Competencies

All KeyBank employees are expected to demonstrate Key's Values and abide by Key's Code of Conduct.

Physical Demands

General Office environment with prolonged sitting, in-person or phone communications with teammates and clients, frequent use of PC/laptop, and occasional lifting/pushing/pulling of items up to 10 pounds.

Travel

Occasional travel to include overnight stays.

Work Location Category

Hybrid (3+ days in the office).

Compensation and Benefits

This position is eligible to earn a base salary in the range of $80,000.00 to $150,000.00 annually. Placement within the pay range may differ based on skills, experience, and geographic location. Compensation also includes eligibility for incentive compensation which may include production, commission, and discretionary incentives.

Compensation for this role also includes eligibility for benefits the position is entitled to. Key has implemented an approach to employee workspaces prioritizing in-office presence while offering flexible options where the role can be performed effectively in a mobile environment.

Job Posting Expiration Date: 04/15/2026

Equal Opportunity and Accommodations

KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law. Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.

#LI-Hybrid

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Portfolio Manager Sr

City National Bank Los Angeles, CA

1mo ago

$123k - $209k/yr Full time Manager Banking Covenant Compliance

Manager Banking Covenant Compliance

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Job Description

The Portfolio Manager Sr role is part of the credit management team focused on delivering long-term risk-adjusted returns for the bank within the assigned business segment and/or geographic area. This position manages a sub-set of existing credits and plays a key role in originating new credits. Location: Los Angeles, CA 90071.

What is the Opportunity

The Portfolio Manager Sr provides comprehensive credit recommendations and presentations to key risk partners regarding prospects and existing clients, including moderate to complex new credit structures, modifications, and extensions. These recommendations are based on a thorough review of the borrower and guarantor financials, which may include current and historical financial statements, tax returns, projections, and cash flow pro formas. The incumbent will present credit recommendations within the bank's risk appetite and framework, adhering to bank policies, processes, and procedures. A strong client-service orientation and credit acumen are expected to respond to credit needs in a timely manner. Ongoing oversight and management of the portfolio is required, including timely risk rating assessments, reporting covenants, covenant compliance, and the preparation of quarterly and annual reports.

What You'll Do

Teamwork: Mentors junior colleagues and fosters a culture of continuous improvement and professional growth.
Portfolio Management: Owns and manages an assigned credit portfolio, ensuring alignment with organizational goals and risk management practices, including underwriting all types of credit exposures, managing credit risk, and responding to prospective client inquiries.
Credit Analysis: Analyzes credit data and performs underwriting to assess creditworthiness and recommend appropriate structures to the Sales team and client; prepares underwriting memorandums and approval documents for presentation to Credit Risk.
Performance Monitoring: Conducts portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking.
Data Analysis: Analyzes credit data to support underwriting and creditworthiness assessments, including developing and presenting individual credit recommendations.
Risk Management: Maintains effective risk management practices, upholding high standards of credit quality and origination in line with the bank's credit risk appetite and regulatory requirements.
Collaboration: Partners with Relationship Managers to successfully manage credit account relationships and works with cross-functional teams to ensure cohesive credit operations aligned with strategic initiatives.
Client Service: Delivers exceptional client service, understanding client needs and providing tailored credit solutions; participates in joint sales pitches with Relationship Managers.

What You Need to Succeed

Required Qualifications

Bachelor's Degree or equivalent in Finance, Business or related field
Minimum 7 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries

Additional Qualifications

Extensive experience in credit management and lending operations, with a strong understanding of risk management principles
Desire to build leadership and coaching skills, with the ability to train and develop talent
Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams
Extensive analytical skills, with the ability to interpret complex data and make informed decisions
Industry-specific knowledge and expertise

What’s In It For You

Starting base salary: $122,535 - $208,715 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

Benefits and Perks

Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
Generous 401(k) company matching contribution
Career Development through Tuition Reimbursement and other internal upskilling and training resources
Valued Time Away benefits including vacation, sick and volunteer time
Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
Career Mobility support from a dedicated recruitment team
Colleague Resource Groups to support networking and community engagement
Get a more detailed look at our Benefits and Perks

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Commercial Credit Risk Review Officer I

Bank OZK Little Rock, AR

1mo ago

Full time Audit Banking Commercial

Audit Banking Commercial

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Job Description

Overview

Bank OZK brings more than a 120 year legacy in banking to the table and is widely recognized as a national leader in financial services. The organization blends attentive service with innovative technology to deliver smart financial solutions across the country. Bank OZK supports small businesses, fuels local economies, and helps shape growth in major markets. This listing emphasizes building a rewarding career within a supportive team and a comprehensive benefits program.

The benefits package includes generous paid time off, 401(k) matching, health, dental, and vision insurance, pet insurance, and a range of perks and discounts designed to support physical, mental, and financial wellbeing.

Location

Little Rock, AR 72223

Position

Commercial Credit Risk Review Officer I

Job Purpose & Scope

Evaluate the quality of loan relationships and the effectiveness of internal controls designed to identify, measure, monitor, and manage credit risk.

Essential Job Functions

Perform independent analyses of corporate and personal financial statements and tax returns, assessing repayment viability of sources.
Review loans to determine the strength of underwriting and asset management practices.
Assess credit quality and the accuracy of assigned risk ratings; recommend appropriate ratings based on findings.
Evaluate business line adherence to credit policy and procedures.
Discuss review findings with the Reviewer-In-Charge and provide recommendations.
Ensure asset quality reports and supporting documentation are thorough and support conclusions.
Support a culture of continuous process improvement and uphold the department's professional practice and quality control standards.
Carry out other duties as assigned.

Knowledge, Skills & Abilities

Knowledge of loan documentation, credit analysis, and financial statement review.
Understanding of basic auditing principles.
Ability to review and analyze small to midsize loans with limited complexity.
Strong verbal and written communication skills.
Ability to work effectively both independently and with others.
Desire to learn continuously on the job.
Discretion and sound judgment in decision making.
Capability to manage multiple tasks with tight deadlines in a fast paced environment.
Ability to maintain confidentiality.
Solid organizational, analytical, critical thinking, and problem-solving skills.
Flexibility to adapt to a changing environment and strong attention to detail.
Ability to work with minimal supervision.
Proficiency with computer tools and Microsoft Outlook, including Excel and Word; ability to acquire additional skills as needed.

Basic Qualifications

Bachelor’s degree or equivalent work experience required.
Minimum of two years of commercial lending experience required.
Minimum of two years of commercial credit experience in a regional bank preferred.
RMA Credit Risk Certification (CRC) preferred.

Job Expectations

Operate standard equipment and technology used in a business environment, with or without accommodation.

Note

This description does not constitute an exhaustive list of all job functions, duties, skills, and standards that may be required. Other duties and responsibilities may be added. Management reserves the right to modify job requirements at any time.

EOE Statement

Bank OZK is an equal opportunity employer and considers qualified applicants without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, disability status, protected veteran status, or any other characteristic protected by federal, state, and local law. Member FDIC.

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Portfolio Manager II, Business Banking

Wintrust Financial Arlington Heights, IL

1mo ago

$85k - $110k/yr Full time Manager Banking Business

Manager Banking Business

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Job Description

Overview

Wintrust delivers community and commercial banking, specialty finance, and wealth management through 16 bank charters and nine non-bank affiliates. We combine the capabilities of a large institution with the personal, relationship-driven service of community banking. Our client base spans all 50 states, supported by more than 200 branch locations across Illinois, southwest Florida, northwest Indiana, western Michigan, and southern Wisconsin, along with commercial banking offices in Chicago, Denver, Milwaukee, Grand Rapids, MI, and other key Illinois locations. Our people are the heart of the business, and we are consistently recognized as a top place to work. Wintrust is a $66 billion financial institution headquartered in Rosemont, Illinois, and listed on the NASDAQ Global Select Market under WTFC.

Responsibilities

Prepare and present Credit Approval Presentations (CAPs), summarizing trends and reporting findings.
Evaluate commercial credit requests of varying complexity by reviewing business and individual credit and financial information to assess credit risk.
Assess financial statements and tax returns to determine repayment ability; identify trends affecting repayment, collateral, or operational viability; propose risk rating adjustments supported by changes in financial condition or collateral.
Perform collateral analyses aligned with cash-flow and CRE lending principles.
Communicate directly with Relationship Managers and, when needed, clients to enable timely underwriting of credit requests.
Foster open dialogue and collaboration with the Real Estate Group, Credit Administration, Loan Operations, Managed Assets, and other support teams.
Monitor loans and test covenants; assist with loan closings and maintain credit files and compliance reviews.
Demonstrate urgency in addressing client requests while maintaining acceptable risk parameters to identify issues and implement timely loan modifications and risk-rating updates as appropriate.

Qualifications

Bachelor’s degree in accounting, finance, business, or equivalent.
3+ years of commercial and industrial underwriting and/or portfolio management experience, with working knowledge of the banking environment, products, supporting processes, and technology.
Formal bank credit training is preferred, with a solid understanding of general credit and risk principles, and banking policies/procedures.
Proficiency in MS Office (Excel, Word, PowerPoint) and financial forecast models; experience with the nCino loan origination platform is a plus.
Strong analytical and organizational skills with the ability to proactively manage and prioritize workflow.
Strong interpersonal skills with a proven ability to establish client relationships and work within a team environment.

Benefits

Medical Insurance
Dental
Vision
Life insurance
Accidental death and dismemberment
Short-term and long-term Disability Insurance
Parental Leave
Employee Assistance Program (EAP)
Traditional and Roth 401(k) with company match
Flexible Spending Account (FSA)
Employee Stock Purchase Plan at 5% discount
Critical Illness Insurance
Accident Insurance
Transportation and Commuting Benefits
Banking Benefits
Pet Insurance

Compensation

The estimated salary range for this role is $85,000 - $110,000 along with eligibility to earn an annual bonus. Actual salaries may vary based on several factors, such as a candidate’s qualifications, skills and experience.

About Wintrust

Wintrust provides community and commercial banking, specialty finance and wealth management services through its 16 bank charters and nine non-bank businesses. Wintrust delivers the sophisticated solutions of a large bank while staying true to the relationship-focused, personalized service of our community banking roots. We serve clients in all 50 states with more than 200 branch banking locations in Illinois, southwestern Florida, northwestern Indiana, west Michigan and southern Wisconsin and commercial banking offices in Chicago, Denver, Milwaukee, Grand Rapids, Mich., and in key branch banking locations throughout Illinois. Our people are the heart of our business and we are proud to rank consistently as a top place to work. Wintrust is a $66 billion financial institution based in Rosemont, Illinois, and listed on the NASDAQ Global Select Market under the symbol “WTFC.” From our first day in business, Wintrust has been proud to serve a variety of unique communities and people from all