• Work with cash flow data in payment systems: analyze, reconcile, and prepare operational reports; • Communicate with payment systems and operational teams on reconciliation and settlement topics; • Control the correctness of turnovers, costs, and balances in payment systems reporting; • Handle daily, weekly, and monthly reports, as well as ad-hoc finance requests; • Work with large amounts of financial data and learn the specifics of different payment providers, markets, and business conditions.

Role Description The Senior SBA Credit Underwriter will lead the evaluation, analysis, and underwriting of SBA loan applications to ensure compliance with SBA Program requirements, SBA SOP guidelines, and the lender’s credit policies and procedures. This role is responsible for assessing borrower creditworthiness through detailed analysis of business and personal financial information, tax returns, cash flow, collateral, and overall repayment capacity to support sound lending decisions. The Senior SBA Credit Underwriter prepares comprehensive SBA credit memorandums with well-supported recommendations for loan approvals, denials, or modifications while identifying and mitigating potential credit risks. The position also collaborates closely with lending, processing, and closing teams, provides guidance to junior underwriters, and contributes to maintaining underwriting quality and operational efficiency. Strong analytical skills, sound credit judgment, attention to detail, and extensive knowledge of SBA lending programs are essential for success in this role. As a Senior SBA Credit Underwriter, You Will: - Independently evaluate, analyze, and underwrite SBA loan applications, including complex commercial lending transactions. - Assist in resolving underwriting conditions and outstanding credit-related matters prior to closing. - Partner with closing and processing teams to ensure seamless transition of approved loans through closing and funding. - Participate in departmental initiatives focused on process improvement, operational efficiency, and portfolio quality enhancement. - Support credit addendums, screen-out responses, policy exceptions, and internal loan committee presentations as needed. - Collaborate closely with underwriting, processing, closing, and lending teams to improve workflow efficiency and enhance the borrower and lender experience. - Serve as a senior underwriting resource and mentor to junior underwriters and support staff. - Maintain thorough and accurate underwriting documentation supporting all credit decisions and recommendations. - Verify compliance with SBA and federal regulations related to sanctions, debarment, and delinquent federal debt requirements. - Ensure completion and review of all required federal compliance checks, including CAIVRS, SAM.gov, and OFAC screenings. - Analyze affiliated business relationships and determine potential impact on borrower repayment ability and financial strength. - Assess NAICS classifications, franchise affiliations, and industry benchmarks to determine overall business stability and performance expectations. - Review and evaluate borrower business operations, management experience, ownership structure, industry trends, competitive positioning, and customer concentration. - Evaluate financial projections and assumptions for reasonableness and conduct break-even and trend analyses. - Prepare global cash flow analyses and sensitivity analyses for borrowers and affiliated entities to ensure compliance with SBA minimum debt service coverage requirements. - Analyze debt service coverage, liquidity, leverage, profitability, and repayment capacity to determine credit viability. - Perform advanced financial statement spreading and analysis, including historical and projected cash flow assessments. - Interpret and apply SBA policies and procedures to complex credit scenarios and provide guidance to internal and external stakeholders. - Review and analyze sources and uses of funds, debt refinance requests, business acquisition structures, partner buyouts, inventory schedules, budgets, and purchase agreements. - Advise lenders and referral partners on SBA program requirements, loan structure, repayment terms, collateral considerations, and pricing parameters. - Ensure all loan requests comply with SBA SOP 50 10 requirements, SBA eligibility standards, and internal credit policy guidelines. - Exercise independent judgment and discretion in evaluating matters of significance impacting loan quality and organizational risk. - Identify strengths, weaknesses, and potential risks associated with each transaction and provide sound credit recommendations. - Assess borrower and guarantor creditworthiness through detailed analysis of business and personal financial statements, tax returns, credit reports, and related documentation. Qualifications - Bachelor’s degree in Finance, Accounting, Business Administration, or related field; equivalent relevant experience may be considered. - Minimum 5–7 years of experience in commercial lending, SBA underwriting, or credit analysis, including experience with complex SBA 7(a) loan transactions. - Advanced knowledge of SBA lending programs, SOP 50 10 guidelines, and SBA eligibility requirements. - Strong expertise in commercial credit analysis, financial statement analysis, and global cash flow analysis. - Demonstrated ability to independently underwrite and structure complex credit transactions. - Excellent analytical, problem-solving, and risk assessment skills. - Strong written and verbal communication skills with the ability to present and defend credit recommendations. - High attention to detail, organization, and accuracy in documentation review. - Ability to manage multiple priorities in a fast-paced environment while meeting deadlines. - Experience mentoring or training junior underwriting staff preferred. Benefits - Flexible Work Schedule, remote work. - Competitive Salary. - Spot Bonuses. - Health, FREE dental, and FREE vision insurance. - 401(k) matching. - Employer Paid Life-AD&D, Short-Term Disability, Long-Term Disability. - Unlimited & Flexible Vacation Policy. - Culture of Learning & Growing. - Awesome team members!

Role Description Mercier Consultancy MD is looking for a skilled French Speaking Digital Trust and Safety Analyst to join our team in Sofia. This position is vital to maintaining a safe and trustworthy online environment for our users. As part of our team, you will monitor, investigate, and manage content to uphold digital safety standards and ensure compliance with policies. - Monitor user-generated content and platform activities to detect safety risks and violations. - Conduct thorough investigations into reports of misconduct, utilizing analytical skills to evaluate data and make decisions. - Collaborate closely with technical teams to develop and implement safety protocols and guidelines. - Prepare detailed reports to communicate findings and trends to internal stakeholders. - Stay up-to-date with emerging digital safety trends and potential threats. - Promote awareness of digital safety best practices among users and stakeholders. Qualifications - Fluency in French (written and spoken) is required; proficiency in English is a plus. - Experience in digital trust and safety, content moderation, or related fields is preferred. - Strong analytical and problem-solving skills. - Excellent communication skills for effective interaction with users and team members. - Attention to detail and ability to work proactively and independently. - Familiarity with digital content management systems and online safety tools. - Ability to thrive in a fast-paced, collaborative environment. Benefits - Competitive Monthly Salary - Fully Paid Relocation Package - Monthly Performance Bonus - 1500 Euro Signing Bonus - Fully Paid Training - Health Insurance - And more...

• Identify, assess, and prioritise mining projects using technical, economic, and ESG frameworks • Conduct market analysis on relevant supply chains and EU-specific trends • Evaluate commercial and geopolitical factors influencing mining project development • Engage with stakeholders across industry, government, and research organisations • Support investment decisions through data analysis and valuation assessments • Populate, maintain and utilise mining project databases • Collaborate with internal teams and external partners to advance EIT RawMaterials initiatives • Prepare and deliver reports and presentations for internal and external stakeholders • Travel as required to support project development and stakeholder engagement