Credit Products Officer - National Franchise Banking

Location: Fully onsite in Phoenix, Arizona at 2155 W Pinnacle Peak Rd, Phoenix, AZ 85027

Salary: $78,000–$135,000 per year, with possible performance-based incentive compensation

Company

hirify.global provides commercial banking services and offers a comprehensive employee benefits package.

What you will do

• Review, spread, and analyze business, industry, financial, and supporting credit data for specialized and complex franchise finance requests.
• Build financial models and projections, including bank-case and stress-case scenarios, ratio analysis, and industry benchmark comparisons.
• Monitor borrower performance, covenant compliance, annual reviews, early warning indicators, and criticized or problem credits.
• Prepare concise, accurate, decision-ready credit recommendations with VP and SVP Credit Products Officers.
• Present creditworthiness findings and opinions to Commercial Relationship Managers and senior Credit Products Officers.
• Maintain industry trend and portfolio monitoring databases while following applicable banking regulations and internal policies.

Requirements

• Bachelor’s degree in business, finance, accounting, or equivalent work experience.
• 2–5 years of commercial underwriting, credit analysis, lending, or equivalent experience.
• Intermediate credit and financial modeling skills, including accounting, financial statement spreading, and cash flow analysis.
• Knowledge of loan documentation and collateral perfection.
• Strong analytical, problem-solving, time management, and relationship management skills.
• Proficiency with Word, Excel, PowerPoint, and related business software.

Nice to have

• Master’s degree in business administration, finance, or accounting.
• 1–3 years of franchise lending experience.

Culture & Benefits

• Comprehensive medical, dental, and vision coverage.
• 401(k) retirement savings plan with employer match for qualifying contributions.
• Paid vacation, sick days, volunteer days, and holidays.
• Life and disability insurance, employee assistance, mental health resources, and legal support.
• Tuition assistance, identity theft protection, insurance discounts, and an online discount marketplace.
• Benefits begin on the first day of the month following hire for associates regularly scheduled to work at least 30 hours weekly.