Credit Analysts

**Job Summary**

The Risk Analyst (RA) will be vital in implementing and enhancing the company's Risk Management Program and tools. The RA acts as a facilitator, reviewing current conditions, processes, and controls, recommendingadditionalcontrols to reduce risk, and making internal departments more efficient. The RA organizes findings, draws initial conclusions/interpretations, and discusses these findings with the Senior Risk Analyst and Head of Risk & Resiliency prior to escalating to business management.

This position isrequiredto report to the office, either SHI Somerset, NJ, or SHI Austin, TX depending on location asdeterminedby SHI management.

**About Us**

Since 1989, SHI International Corp. has helped organizations change the world through technology. We’ve grown every year since, and today we’re proud to be a $14 billion global provider of IT solutions and services.

Over 17,000 organizations worldwide rely on SHI’s concierge approach to help them solve what’s next. **But the heartbeat of SHI is our employees – all 6,000 of them.** If you join our team, you’ll enjoy:

+ Our commitment to diversity, as the largest minority- and woman-owned enterprise in the U.S.

+ Continuous professional growth and leadership opportunities.

+ Health, wellness, and financial benefits to offer peace of mind to you and your family.

+ World-class facilities and the technology you need to thrive – in our offices or yours.

**Responsibilities**

_Include, but are not limited to:_

+ Assistin the development, communication, and training of the company's Risk Management Framework, including BCM.

+ Contribute to the maturation of the company's Process, Risk and Control (PRC) library and Risk Register, and evaluate accuracy and completeness of Risk and Control Self-Assessments (RCSA)

+ Identifyand implement process improvement initiatives to strengthen the firm's control environment, improve efficiencies, and increase cost savings.

+ Assistin incorporating Service Level Agreements for infrastructure, applications, and services.

+ Meet with business partners to review Risk and Resiliency products and services, including BCM and Incident Management.

+ Consolidatefindings from business partner sessions andidentifygaps and/or new requests; work with IT managers for solutions and/or service improvements.

+ Partner with other Analysts on training and awareness,assistwith testing and exercises, support incident response and management efforts, conduct governance and control reviews, andprovideinput to Steering Committee and other business management presentations.

**Qualifications**

+ 3+ years of project management experience

+ 3+ years of risk management experience, with an understanding of operational risk and business process improvement methodsat an enterprise level

+ 1+ year experience with Business Continuity and Incident Managementpreferred

**Required Skills**

+ Experience with Emergency Notification Systems (ENS), GRC Risk Management tools, and related interfaces ence using Microsoft applications (Word, Excel, PowerPoint, Project, Visio, and Outlook)

+ Proficient computer skills, including experience using Microsoft applications (Word, Excel, PowerPoint, Project, Visio, and Outlook)

+ Ability to handle multiple tasks with changing priorities and communicate changes in scope and schedule to all concernedparties

+ Strong understanding of operational risk and business process improvement methods

+ Ability to evaluate, document, andmaintainstandards, processes, andprocedures

+ Understanding of BC/DR planning concepts, strategies, and methodologies

+ Ability to build and foster strong working relationships at all levels to influence and drive organizationalengagement

+ Ability to present information and/orprovidetraining on technical subjects in an understandable manner, in both oral and writtenform

+ Business acumen, critical thinking, and analytical skills are essential

Preferred Skills:

+ Audit/review experience

**Certifications Required**

+ PMP Certification

+ CRM/PRM Certification

**Unique Requirements**

+ This position requires at least 10% travel to meet with internal business groups and/or conduct vendorassessments

+ Extended hours arerequiredto complete some specialprojects

**Additional Information**

+ The estimated annual pay range for this position is $70,000 - $100,000. The compensation for this position is dependent on job-related knowledge, skills, experience, and market location and, therefore, will vary from individual to individual.Benefits may include, but are not limited to, medical, vision, dental, 401K, and flexible spending.

+ Equal Employment Opportunity – M/F/Disability/Protected Veteran Status

Refer a friend to this job (https://careers-shi.icims.com/jobs/15392/risk-analyst/job?mode=apply&apply=yes&in\_iframe=1&hashed=-336032949)

**Need help finding the right job?**

We can recommend jobs specifically for you!

**Job Locations** _US-Remote_

**Requisition ID** _2023-15392_

**Approved Min (Total Target Comp)** _USD $70,000.00/Yr._

**Approved Max (Total Target Comp)** _USD $100,000.00/Yr._

**Compensation Structure** _Flat Base_

**Category** _Information Technology_

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

**Job Description**

Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit. 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. 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. May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio. The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered.

**Basic Qualifications**

- Bachelor’s degree, or equivalent work experience

- Six or more years of relevant experience

**Preferred Skills/Experience**

- Strong credit analysis and analytical skills

- In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis

- Background in economics, accounting, and/or finance

- Effective technical report writing skills

- Effective verbal and written communication skills

- Proficient computer navigation skills using a variety of software packages

- Master's degree or CPA certification is preferred

- SBA portfolio management experience, preferably exposures > $2.5 million - $20 million

- Direct lending experience

_The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days._

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

**Benefits:**

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

+ Paid vacation (from two to five weeks depending on salary grade and tenure)

+ Up to 11 paid holiday opportunities

+ Adoption assistance

+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

**EEO is the Law**

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal **KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)** EEO poster.

**E-Verify**

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $95,285.00 - $112,100.00 - $123,310.00

U.S. Bank will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance.

Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

**Job Description**

The organization's risk management structure is designed to promote effective governance and risk management that is systematic, transparent, credible, timely, and verifiable through clear delineation and execution of key roles and responsibilities. Its goal is to assess and/or manage risks that may impact the company, including credit, financial, liquidity, market, operational, reputational, strategic, and other risks as appropriate. The Business Risk Professional will partner with their assigned Line of Business, other Business Risk Professionals, and Business Risk Managers to, depending on their function, create, implement, maintain, review or oversee an effective risk management framework. May participate in projects and/or activities that ensure compliance with applicable federal, state and local laws and regulations. May identify gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems or human errors. May actively identify, respond and/or escalate risks as appropriate. May inform policies and procedures in an effort to maximize profit potential and minimize regulatory exposure. May serve as a functional liaison between the Line of Business and the Lines of Defense.

The Business Risk Professional is a key member of the Deposit Risk and Business Assessment team, providing analytical and project management support for both Consumer and Small Business demand deposit products and services. This role will focus on Money Movement strategies including the build out and support of a dynamic limits engine and funds availability of deposits.

Key responsibilities include:

- Develops and maintains credit risk rules for deposit products to maximize both customer experience and overdraft loss savings

- Conducts data research projects end-to-end by integrating, aggregating, or reassembling information from a variety of database sources and systems by writing database queries in SAS, SQL, R or other database query languages.

- Identifies and analyzes acquisition, account management and portfolio performance trends using key indicators and techniques, using predictive credit risk models and other qualitative and quantitative methods.

- Builds and maintains performance reporting to monitor overall portfolio and risk strategy performance

- Supports the team by mentoring less experienced analysts and assisting with acquisition or overdraft projects as needed.

- Understands and communicates the impact of credit risk management strategies, research, and outcomes in support of initiatives and proposals, as aligned to key business, product and consumer drivers.

Basic Qualifications

- Bachelor's degree, or equivalent work experience

- 10 or more years of applicable experience

- Applicable professional certifications

Preferred Skills/Experience

- Advance degree in business, computer science, economics, finance, or statistics

- Experience in developing credit risk strategies for deposit or unsecured products

- Advanced knowledge of SAS, SQL, R, Python, or other database programming languages

- Experience working with large datasets

- Data visualization skills with Tableau or PowerBI

- Effective verbal, written and presentation communication skills

- Effective technical report writing skills

- Ability to work independently with minimal guidance from manager

The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

**Benefits:**

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

+ Paid vacation (from two to five weeks depending on salary grade and tenure)

+ Up to 11 paid holiday opportunities

+ Adoption assistance

+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

**EEO is the Law**

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal **KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)** EEO poster.

**E-Verify**

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $116,280.00 - $136,800.00 - $150,480.00

U.S. Bank will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance.

Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.

**Position Overview**

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company’s success.

As an Letter of Credit Analyst within PNC's International Trade Product Delivery Group, training will be provided in the downtown Pittsburgh, Pennsylvania location for six months and then you will work two weeks in the office and two weeks remotely.

Position provides successful candidates the opportunity to use reading, writing, comprehension, drafting, editing, and proof reading skills to prepare stand by letters of credit for corporate clients within a fast paced work environment.

Position requires the ability to read long technical banking agreements and decipher how to adjust the appropriate client information, documentation and issuing steps as you professionally represent the bank in writing.

Your detail orientation, follow-up skills and ability to meet deadlines is very important due to strict client deadlines and potential compliance concerns. Candidates with strong communication skills who enjoy working with clients, understand how to interpret the gray and know when to escalate issues are preferred. Familiarity around stand by letters of credit is a plus.

**Job Description**

+ Utilizes international trade-specific procedures, rules, guidelines and regulations. Evaluates and executes basic to moderate transactions. May approve international trade services transactions and processes. May have specific responsibility for one or multiple specialized products or functional areas.

+ Processes basic to moderate trade transactions of varying risk and financial value in accordance with procedures, rules, guidelines and regulations. Identify exceptions and may address escalated items under supervision. Interacts with internal and external stakeholders in completing transactions.

+ Administers trade compliance program against all trade transactions and escalates as necessary in order to mitigate bank risk.

+ Provides responses and documentation to inquiries and ad hoc requests for basic to moderate international trade products.

+ Verifies work processes to ensure completeness, accuracy and conformance to established service levels and applicable policies and procedures. May review reports to process transactions.

PNC 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.

+ **Managing Risk** - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

**Competencies**

Accuracy and Attention to Detail – Understanding of the necessity and value of accuracy and attention to detail; ability to process information with high levels of accuracy.

Decision Making and Critical Thinking – Understanding of the issues related to the decision-making process; ability to analyze situations fully and accurately, and reach productive decisions.

Effective Communications – Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors.

Flexibility and Adaptability – Knowledge of successful approaches, tools, and techniques for dealing with changes and adapting to a changing environment; ability to adapt as needed.

Managing Multiple Priorities – Ability to manage multiple concurrent objectives, projects, groups, or activities, making effective judgments as to prioritizing and time allocation.

Operational Functions – Knowledge of major functional processes and associated operating requirements; ability to apply this knowledge appropriately to diverse situations.

Problem Management Process – Knowledge of and ability to bring a reported problem to successful resolution.

Products and Services – Knowledge of major products and services and product and service groups; ability to apply this knowledge appropriately to diverse situations.

Standard Operating Procedures – Knowledge of and ability to design, implement and evaluate standard operating procedures affecting daily and strategic business operations in order to increase operational efficiency.

**Work Experience**

Roles at this level typically require an Associates or equivalent degree as well as related experience or product knowledge to accomplish primary duties. Typically requires 3+ years experience. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

**Education**

Bachelors (Required)

**Additional Job Description**

**Benefits**

PNC offers employees a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include medical/prescription drug coverage (with a Health Savings Account feature); dental and vision options; employee and spouse/child life insurance; short- and long-term disability protection; maternity and parental leave; paid holidays, vacation days and occasional absence time; 401(k), pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about these and other programs, including benefits for part-time employees, visit pncbenefits.com > New to PNC.

**Disability Accommodations Statement:**

**If an accommodation is required to participate in the application process, please contact us via email at** **AccommodationRequest@pnc.com** **. Please include “accommodation request” in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and select Option 4: Recruiting for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.**

At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.

**Equal Employment Opportunity (EEO):**

PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

**California Residents**

Refer to the California Consumer Privacy Act Privacy Notice (https://content.pncmc.com/live/pnc/aboutus/HR/Onboarding/PNC\_CCPA\_Privacy\_Disclosure\_Employee.pdf) to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

**Job Description**

Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit. 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. 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. May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio. The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered.

**Basic Qualifications**

- Bachelor’s degree, or equivalent work experience

- Six or more years of relevant experience

**Preferred Skills/Experience**

- Strong credit analysis and analytical skills

- In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis

- Background in economics, accounting, and/or finance

- Effective technical report writing skills

- Effective verbal and written communication skills

- Proficient computer navigation skills using a variety of software packages

- Master's degree or CPA certification is preferred

Additional Preferred Skills/Experience:

- Commercial/small business originations underwriting experience

- SBA originations underwriting experience

- Ability to work and problem solve independently

- Have effective planning, organizational and time management skills

- Detailed-oriented and self-motivated

- Proficiency in Microsoft Excel and Moody’s Credit Lens

- Excels in high volume, fast paced production environment

- Familiarity with nCino lending platform

_The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days._

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

**Benefits:**

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

+ Paid vacation (from two to five weeks depending on salary grade and tenure)

+ Up to 11 paid holiday opportunities

+ Adoption assistance

+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

**EEO is the Law**

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal **KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)** EEO poster.

**E-Verify**

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $95,285.00 - $112,100.00 - $123,310.00

U.S. Bank will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance.

Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

**Job Description**

Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit. 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. 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. May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio. The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered.

**Basic Qualifications**

- Bachelor’s degree, or equivalent work experience

- Five or more years of relevant experience

**Preferred Skills/Experience**

- Strong credit analysis and analytical skills

- In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis

- Background in economics, accounting, and/or finance

- Effective technical report writing skills

- Effective verbal and written communication skills

- Proficient computer navigation skills using a variety of software packages

- Master's degree or CPA certification is preferred

- SBA underwriting experience

- Experience in managing complex portfolios with large exposures

- Proficiency in nCino

- Proficiency in Excel

_The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days._

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

**Benefits:**

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

+ Paid vacation (from two to five weeks depending on salary grade and tenure)

+ Up to 11 paid holiday opportunities

+ Adoption assistance

+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

**EEO is the Law**

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal **KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)** EEO poster.

**E-Verify**

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $83,810.00 - $98,600.00 - $108,460.00

U.S. Bank will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance.

Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills and discover what you excel at—all from Day One.

As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other.

**Job Description**

Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit. 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. 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. May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio. The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered.

**This role is posted as remote; however, candidates who are located near any one of our locations would be required to work on site at least three days per week.**

**Start Date: May 13th, 2024**

Basic Qualifications

- Bachelor’s degree, or equivalent work experience

- Five or more years of relevant experience

Preferred Skills/Experience

- Strong credit analysis and analytical skills

- In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis

- Background in economics, accounting, and/or finance

- Effective technical report writing skills

- Effective verbal and written communication skills

- Proficient computer navigation skills using a variety of software packages

- Master's degree or CPA certification is preferred

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

**Benefits:**

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

+ Paid vacation (from two to five weeks depending on salary grade and tenure)

+ Up to 11 paid holiday opportunities

+ Adoption assistance

+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

**EEO is the Law**

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal **KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)** EEO poster.

**E-Verify**

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $83,810.00 - $98,600.00 - $108,460.00

U.S. Bank will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance.

Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.

**Position Overview**

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company’s success. As a Senior Fixed Income Credit Analyst within PNC's Asset Management organization, you will be based in Philadelphia, PA.

This position is primarily based in a PNC location. Responsibilities require time in the office or in the field on a regular basis. Some responsibilities may be performed remotely, at manager’s discretion.

As a Senior Fixed Income Credit Analyst, you are expected to be fully proficient in analyzing a broad array of corporate obligors to provide investment opinions with a primary focus on adding excess return within managed portfolios through credit selection. Additionally, there is potential to assume coverage of some municipal obligors as part of a multi-sector portfolio composition. The Senior Analyst role will report to the Director of Research and will have a direct impact on the management and performance of the PNC Asset Management Fixed Income portfolios. The investment process is total-return oriented with credit as a primary driver of excess return generation.

Responsibilities:

• Specialize in a fixed set of corporate credit sectors to complement the existing credit staff coverage, with an investment grade focus

• Provide forward-looking credit opinions on credits and sectors for which the Senior Analyst is responsible and present investment ideas to the team in both formal and informal environments

• Review and document new issuance for portfolio inclusion

• Communicate to a broad range of constituents spanning from other investment professionals to direct clients and prospects

Preferred experience/skills:

• Experience in the research and analysis of corporate fixed income securities; including municipals

• Disciplined, team-based process and a commitment to work collaboratively

• Familiarity with general bond pricing concepts and application, in addition to the credit skill set

• Proven history of independent thinking and creativity

• Ability to synthesize information from non-traditional sources

• Knowledge of the Bloomberg terminal and Excel API

• Knowledge of Perform portfolio management system

• CFA

**Job Description**

+ Analyzes financial viability and security attractiveness. Makes recommendations for specific security positions to portfolio managers. Serves as a subject matter expert in specific industries and/or sectors.

+ Analyzes financial statements of individual securities and makes effective recommendations based on results. Designs and runs securities analysis models and generates reports to support the portfolio management effort and independently draws conclusions. Makes recommendations on valuations of specific securities within the sector or industry.

+ Reviews industries and sectors with portfolio managers on relative valuation. Directs special projects as needed.

+ Communicates research and performance of industries, sectors and securities to internal business partners and external clients.

+ Mentors other team members.

PNC 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.

+ **Managing Risk** - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

**Competencies**

Analytical Thinking – Knowledge of techniques and tools that promote effective analysis and the ability to determine the root cause of organizational problems and create alternative solutions that resolve the problems in the best interest of the business.

Decision Making and Critical Thinking – Understanding of the issues related to the decision-making process; ability to analyze situations fully and accurately, and reach productive decisions.

Effective Communications – Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors.

Financial Analysis – Knowledge of and ability to read, interpret and draw accurate conclusions from financial and numerical material.

Financial Statement Analysis – Knowledge of tools, techniques, and practices, and ability to analyze and determine the credit-worthiness of a business enterprise through its financial statements.

Managing Multiple Priorities – Ability to manage multiple concurrent objectives, projects, groups, or activities, making effective judgments as to prioritizing and time allocation.

Problem Solving – Knowledge of approaches, tools, techniques for recognizing, anticipating, and resolving organizational, operational or process problems; ability to apply this knowledge appropriately to diverse situations.

Quantitative Research – Knowledge of and the ability to use numerical methods to compile information about a given situation or condition.

Quantitative Techniques – Knowledge of and ability to use quantitative tools and techniques to measure and analyze risks.

Research Analysis – Knowledge of and the ability to locate, interpret and evaluate research findings compiled and documented by others and use this material to support empirical research.

**Work Experience**

Roles at this level typically require a university / college degree. Higher level education such as a Masters degree, PhD, or certifications is desirable. Industry relevant experience is typically 8+ years. Specific certifications are often required. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

**Education**

Bachelors

**Additional Job Description**

**Benefits**

PNC offers employees a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include medical/prescription drug coverage (with a Health Savings Account feature); dental and vision options; employee and spouse/child life insurance; short- and long-term disability protection; maternity and parental leave; paid holidays, vacation days and occasional absence time; 401(k), pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about these and other programs, including benefits for part-time employees, visit pncbenefits.com > New to PNC.

**Disability Accommodations Statement:**

**If an accommodation is required to participate in the application process, please contact us via email at** **AccommodationRequest@pnc.com** **. Please include “accommodation request” in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and select Option 4: Recruiting for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.**

At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.

**Equal Employment Opportunity (EEO):**

PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

**California Residents**

Refer to the California Consumer Privacy Act Privacy Notice (https://content.pncmc.com/live/pnc/aboutus/HR/Onboarding/PNC\_CCPA\_Privacy\_Disclosure\_Employee.pdf) to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

**Position Overview**

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company’s success.

As a Portfolio Analytics and Strategy Analyst Senior within PNC's Credit Portfolio Management organization, you will be based in a city within PNCs footprint. Preferably Pittsburgh, PA, Cleveland, OH or Tysons Corner, VA.

The role requires strong analytical, technical (Python, tableau, capitalIQ, or spatial software) and problem-solving skills. Experience in actuarial studies, hazard insurance, financed emission estimation (PCAF), TCFD, sustainable finance, climate science or climate scenario analysis will be a plus.

You will have the opportunity to develop climate analytics to quantify the impact of physical risk and transition risk on the bank’s loan portfolio, develop methodology to estimate financed emission, evaluate sustainable finance opportunities, and assess insurance availability and affordability impact on credit performance. You will partner with line of business, risk experts, finance, and other teams in the bank on those projects.

PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

**Job Description**

+ Provides financial and regulatory reporting and analyses to maintain adequate controls over the financial and regulatory reporting processes. Responsible for running complex business performance, risk and operational analytics. May include the development of analytical methods/models to assess market, credit and/or operational risk of new and existing financial products.

+ Leverages business / product expertise to rigorously analyze large datasets, improve risk adjusted returns, deliver profitable growth, and communicate conclusions. Synthesizes analytical results and develops, recommends, and implements business strategies that improve lending decisions, assist in managing risk, increase revenues, reduce exposure to losses, meet business goals, and improve performance. Establishes baselines for strategies and tracks actual performance to expectations.

+ Applies predictive models, third party data, and other tools to develop and execute appropriate segmentation and targeting for acquisition and portfolio strategies to provide insight into portfolio risk. Manages engagements with internal and external information suppliers ensuring solution is fit for purpose while maintaining appropriate governance and oversight.

+ Works with business, credit, data, and model development partners to design, develop, and monitor test designs and analytical reporting to track and enhance strategies. Designs / enhances standard reporting suites for regular product / portfolio reviews.

+ Collaborates with the line of business, Finance, and Risk partners to assess and establish credit risk appetite and to understand its implications, as well as to establish policies and procedures governing the identification, monitoring, and management of risk appetite.

PNC 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.

+ **Managing Risk** - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

**Competencies**

Analytical Approach – Synthesizes ideas and information required for process improvement into a manageable form.

Banking Products – Knowledge of and ability to provide products and services available through the retail banking branch.

Big Data Management and Analytics – Knowledge and ability to plan and execute, big data management and analytics.

Business Analytics – Knowledge of technologies, techniques and practices for the evaluation of business performance data; ability to analyze business performance using advanced statistical methods to justify and drive future business planning decisions.

Credit Risk – Knowledge of processes, tools, and techniques used to determine the degree of credit risk in a given transaction or customer relationship; ability to assess, rate and manage exposure to credit risk.

Mathematics of Financial Instruments – Knowledge of and ability to perform the mathematical calculations that underlie various financial instruments.

Operational Risk – Knowledge of policies and processes for operational risk management; ability to use tools, data, and best practices to identify, assess, and manage operational risk exposures.

Performance Measurement – Knowledge of and ability to utilize a variety of methods to measure the performance on a particular portfolio against industry benchmarks and related parameters.

Predictive Analytics – Knowledge of, experience with and ability to use the tools, processes and practices for predicting business trends and providing forecasts that drive business decisions and business planning.

Pricing Models and Analytics – Knowledge of pricing tools, techniques and methods; ability to assess analytical and pricing models through the use of statistical principles.

Regulatory Environment - Financial Services – Knowledge of and ability to help an organization adapt to applicable federal, state, local, and company-specific regulations, policies, and guidelines affecting business practices.

Risk Management Banking – Knowledge of and ability to use tools, regulations, and business practices to assess and control an organization's exposure to risk.

**Work Experience**

Roles at this level typically require a university / college degree, with 5+ years of industry-relevant experience. Specific certifications are often required. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

**Education**

Bachelors

**Additional Job Description**

**Application window:** Generally, this opening is expected to be posted for 48 business hours from April 3, 2024 , although longer with business discretion.

**Benefits**

PNC offers employees a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include medical/prescription drug coverage (with a Health Savings Account feature); dental and vision options; employee and spouse/child life insurance; short- and long-term disability protection; maternity and parental leave; paid holidays, vacation days and occasional absence time; 401(k), pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about these and other programs, including benefits for part-time employees, visit pncbenefits.com > New to PNC.

**Disability Accommodations Statement:**

**If an accommodation is required to participate in the application process, please contact us via email at** **AccommodationRequest@pnc.com** **. Please include “accommodation request” in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and select Option 4: Recruiting for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.**

At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.

**Equal Employment Opportunity (EEO):**

PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

**California Residents**

Refer to the California Consumer Privacy Act Privacy Notice (https://content.pncmc.com/live/pnc/aboutus/HR/Onboarding/PNC\_CCPA\_Privacy\_Disclosure\_Employee.pdf) to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

The Senior Credit Analyst is a resource to the LEAF Commercial Capital Sales team. Ability to have complex credit discussions with Obligors, Vendors and others as needed. The Senior Credit Analyst also acts as a back-up in the Credit Manager’s absence.

Duties include preparing detailed credit write-ups for presentation to LEAF Credit Committee and M&T Bank Deputy Credit Officer. These transactions include the review of complex borrower’s financial statements (many times via 10K and 10Q reports) and/or tax returns that require the use of financial spreadsheets and an ability to properly analyze financial condition/cash flow. Additional duties include recommending risk ratings based on the utilization of the bank’s PD/LGD scorecard; and gathering information from many sources including information on vendors, the vendor’s relationship with the borrower/origination source and assessing vendor quality. As an experienced analyst, the Senior Credit Analyst will have the ability to independently write detailed credit memos and take part in credit discussions with senior management.

**PRIMARY RESPONSIBILITIES**

• Advanced business credit skills with exceptional working knowledge of commercial credit analysis and complex business cash flow cycles as applicable to complex large ticket transactions.

• Thorough understanding of the following critical analysis-related factors: complex transaction and capital structures; complex organizational structures; most forms and constructs of loan documentation; advanced accounting and applied finance; most major industry and business operating models and applicable analysis approaches; and collateral types and collateral assessment methodologies.

• Able to quickly and accurately assess large ticket opportunities to determine if sufficient information has been provided and compile list of questions/additional information needed.

• Specialty lending underwriting experience to include hospitals, non-profits, commercial real estate, contractors, etc.

• Demonstrated ability to accurately prepare spreads (long-form) for complex large-ticket requests, including the debt service overview worksheet reflecting debt service coverage on existing and proposed debt.

• Strong understanding of Public Debt Ratings and their significance in the underwriting process. Able to proficiently navigate Moody’s, S&P, and Fitch ratings databases to obtain the relevant ratings.

• Ensure adherence to LEAF credit policy, M&T bank policies and government regulations

• Facilitate customer calls as needed to discuss financing needs; and ensure a solid understanding of Obligor’s financial performance and business operations.

• Exceptional understanding of the nuances of public companies and related concepts.

• Ability to accurately and efficiently review 10-k’s and 10-Q’s to extract the pertinent information needed to support credit recommendations.

• Solid understanding of the U.S. stock markets and related economic concepts as they pertain to obligors, vendors and overall industry.

• Work with LEAF Sales Team to structure loans/leases to meet client expectations, while also managing LEAF’s risk exposure.

• Demonstrates strong understanding of financial regulatory environment as it applies to underwriting most forms of commercial credit transactions.

• Ability to assist in the management of the department in the Manager’s absence.

**EDUCATION, KNOWLEDGE AND SKILL REQUIREMENTS**

• BA/BS Degree, preferably in Finance or Accounting.

• Formal credit training preferred.

• 7-10+ years of related experience preferred.

• Leasing industry experience a plus.

• Good working knowledge of other departments such as Sales, Funding and Collections, and the interaction with the Credit Department.

• Good working knowledge of credit and underwriting principles and procedures as well as business concepts.

• Complete knowledge and understanding of the LEAF’s credit policies and procedures.

• Excellent underwriting analysis and investment decision-making skills.

• Excellent written and verbal communication skills.

• Ability to make presentations to credit committee.

• Ability to communicate with sales, origination sources, obligors account firm, banks, etc

• Strong organization and attention to detail with sense of urgency.

• Excellent ability to work independently but also as a team.

• Ability to correctly recognize and refer all pertinent information to persons with higher credit authority.

**\#LI- LP1**

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $32.20 - $53.67 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

**Location**

Philadelphia, Pennsylvania, United States of America

M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.