Credit Derivatives Analyst

Are you a creative financial problem-solver who can think critically under pressure? Do you have experience supporting ARPA or similar government programs? Ripple Effect is looking for a highly skilled and dedicated Business Financial Analyst with at least 6 years of programmatic financial operations experience to support our client’s mission. This role is integral to ensuring the financial health of ARPA-H's innovative health research programs. The Business Finance Analyst will analyze and prepare the organization’s budget and analyze financial data, policies, and procedures to ensure compliance, identify risks, and support financial planning.  If this position sounds of interest, there’s a place for you here at Ripple Effect! We offer a diverse and engaging work environment, with a multitude of incentives and flexible work options that work for you and your lifestyle.  General Information  Job Code: PRO-FN-04T  Location: Ripple Effect Headquarters – Rockville, MD  Employee Type: Exempt, Full-Time Regular   (Ask our recruiters about flexible work arrangements)  Telework: Partial or Full Time  Travel Required: Ad hoc to local client site  Clearance: Public Trust Citizenship: N/A Number of Openings: 3 Salary Range: $96,534.00 - $111,014.00 per year (how we pay and promote)  Responsibilities  Support programmatic, financial, and administrative support to ARPA-H's PHO programs, including but not limited to: financial tracking, data entry and recordkeeping, analysis and reporting, budget preparation, and management of project-specific budgets. Monitor and report on variances, implementing corrective actions as needed to ensure financial sustainability. Reviews the quality of budget and financial data to identify data quality issues, identify data gaps, ensure compliance with financial policies and reconcile budget balances.  Contribute to the development and implementation of recommendations to conform with budgetary policies and achieve financial objectives.   Compiles budget and other financial data in the preparation of budgets, forecasts, and other financial reports and analyses to develop meaningful and useful reports for stakeholders both on a periodic and ad-hoc basis.  Develops briefing materials for senior executives by utilizing financial modeling and data analytic tools to analyze data and produce financial summaries.  Contributes to solicitation preparation and management, tracking of deliverables and milestones, maintaining schedule and calendar, meeting support, preparation of correspondence, and maintaining files. Support relationship management with client, senior executives, and both internal and external stakeholders (e.g., other departments, consultants, vendors, etc.). Provides recommendations on technical approaches to accomplish project objectives for complex or large programs including meeting cadence, budgeting or financial approaches, project timelines, resource needs, communication strategies, and data management. May contribute to selection or implementation of technologies that support financial and budgeting activities, developing automated forecasting and reporting tools to increase productivity.  Requirements Minimum Education and Experience  Bachelor's degree in Accounting, Finance, Business or related field, Masters degree preferred  6 years of relevant experience Basic Requirements  Previous experience supporting a Government Research agency (ARPA-H, DARPA, ONR, R&E, AFRL, etc.) in government program financial and administrative support.   Advanced knowledge of financial modeling and data analytic tools, as well as relevant systems for financial, accounting, property management, reporting, and other related systems.  Strong knowledge of financial principles, practices, and federal regulations.  Demonstrated knowledge of organizational policies and regulations that may impact budgeting and financial compliance. Experience in developing, organizing, forecasting, and maintaining financial budgets and tracking technical and financial milestones.  Experience in creating and coordinating budget and acquisition funding documents and has knowledge/competence in analysis is required.  Advanced experience with Microsoft Excel and familiarity with other MS Office products. Excellent organizational and communication skills, strong attention to detail, and the ability to handle a wide variety of tasks, including briefing support and general administration.  To be successful at Ripple Effect, you must be able to pay attention to details, clearly communicate, work independently, and have an eagerness to learn. Learn more about what makes Ripple so great check out our capabilities.   Skills That Set You Apart  Master's degree or professional certification (e.g., CPA, CFA) Proven experience as a Business Finance Analyst or similar role within a government or research-focused organization.  Demonstrated experience in organizing and facilitating small meetings.  Can operate well in a group dynamic, think creatively and critically, and has a fundamental understanding of government budgeting and a fundamental understanding of government contracting.  Can produce work products that are accurate in presentation, context, and can remain focused in in stressful and fluctuating situations.  If you don’t have all of the skills above, don’t be discouraged—no resume paints a complete picture of a person. There’s a good chance you’re more wonderful than you think, so please apply!  About Ripple Effect  Ripple Effect is an award-winning women-owned small business providing professional consulting and exceptional talent for federal, private, and non-profit clients. We deliver multi-disciplinary solutions across Communications & Outreach, Research & Evaluation, Program Management & Policy, Digital Transformation, and Technical & Scientific Support solutions with a focus on science, research, and healthcare domains.  Hiring Process | Life at Ripple   Benefits Ripple Effect rewards our employees for their contributions to our mission in many ways, from competitive pay and exceptional benefits to a range of work/life programs based on your employment classification and personalized preferences.  -----------------------------------------------------------------------  Ripple Effect is proud to be an equal opportunity workplace and is an affirmative action employer. We are committed to equal employment opportunity regardless of to race, color, religion, sex, national origin, age (40 or older), disability, or genetic information. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. If you have a disability or special need that requires accommodation during the hiring process, please let us know by contacting our HR department at HR@rippleeffect.com or your recruiter. Eligibility for employment will be verified using E-verify. 

Our client is a long-standing organization in the retail supplier industry that is hiring an Accounting Assistant. This company has a great work environment and is looking for a candidate with light general accounting knowledge and experience. Our client is very open to recent accounting/finance graduates or a senior in college with availability for full-time work. SALARY/HOURLY RATE: $20/hr POSITION OVERVIEW: The Accounting Assistant will be reporting to the Accounting team. Our client is ideally looking for someone who is willing to learn and take on new responsibilities and will be prepared to demonstrate their accounting skills. Those who acquire this role must be communicative, hardworking, and reliable. This Accounting Assistant position is a great opportunity for those looking to learn and demonstrate their experience in accounting. RESPONSIBILITIES OF THE ACCOUNTING ASSISTANT: • A/P and A/R responsibilities. • Preparing and posting entries. • Processing Invoices. • Assisting with the general ledger and reconciliations. REQUIRED EXPERIENCE/SKILLS FOR THE ACCOUNTING ASSISTANT: • Experience with ERP systems and applicable Accounting/Financial software. • 0 - 2 years of experience. • Team player. • Analytical. • Proficient in Excel (pivot tables & v-lookups). PREFERRED EXPERIENCE/SKILLS FOR THE ACCOUNTING ASSISTANT: • General Accounting/AR/AP is a huge plus! EDUCATION REQUIREMENTS: • Bachelor's degree is a plus but not required. BENEFITS: • Client-provided benefits available, upon eligibility. By applying to this job, you agree to receive calls, AI-generated calls, text messages, and/or emails from Atrium and its affiliates, and contracted partners. Frequency varies for text messages. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages. You can reply STOP to opt out on any message you receive. For more details, please review our Terms of Use and Privacy Policy. As a woman-owned firm, we value diversity. We are an equal opportunity and affirmative action employer and will consider all applications without regard to race, sex (including gender, pregnancy, sexual orientation and gender identity), age, color, religion or creed, national origin or ancestry, veteran status, disability (physical or mental), genetic information, citizenship or any other characteristic protected by law. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Candidates who apply for roles through the Atrium website will be added to our candidate pool and may be considered for additional roles of a similar title. Please contact us to request an accommodation. EOE/M/F/D/V/SO

Are you a creative problem-solver who can think critically under pressure? Do you have experience supporting ARPA or similar government programs? Ripple Effect is looking for a highly skilled and dedicated Business Financial Manager with at least 9 years of relevant budget experience to support our client’s mission. This role is integral to managing ARPA-H's innovative health program's financial operations. The Business Finance Manager will oversee financial planning and analysis, budget management, and financial compliance to support the agency's mission-driven initiatives and projects.  If this position sounds of interest, there’s a place for you here at Ripple Effect! We offer a diverse and engaging work environment, with a multitude of incentives and flexible work options that work for you and your lifestyle.  General Information  Job Code: PRO-FN-05M Location: Employee Type: Exempt, Full-Time Regular   (Ask our recruiters about flexible work arrangements)  Telework: Partial or Full-Time Travel Required: Clearance: Public Trust Citizenship: Not Required Manager: Yes Number of Openings: 3 Salary Range: $115,841.00 - $133,217.00 per year (how we pay and promote)  Responsibilities  Provides comprehensive programmatic, financial, and administrative support to ARPA-H's PHO programs, including but not limited to: financial tracking, analysis and reporting, budget preparation and management of project-specific budgets. Monitors and reports on variances, implementing corrective actions as needed to ensure financial sustainability. Ensures the accuracy and quality of budget and financial data by resolving data gaps and data quality issues and ensure compliance with financial policies.   Compiles budget and other financial data in the preparation of budgets, forecasts and other financial reports and analyses both on a periodic and ad-hoc basis.  Solicitation preparation and management, tracking of deliverables and milestones, maintaining schedule and calendar, meeting support, preparation of correspondence, and maintaining files. Supervises team members and ensures activities are delivered on-time, and staff complies with organizational financial, budgetary and other policies and procedures.  Manages the relationship with client, senior executives, and both internal and external stakeholders (e.g., other departments, consultants, vendors, etc.). Develops and implements recommendations to conform with budgetary policies and achieve financial objectives.   Provides advice on technical approaches to accomplish project objectives for complex or large programs including meeting cadence, budgeting or financial approaches, project timelines, resource needs, communication strategies, and data management. May contribute to selection or implementation of technologies that support financial and budgeting activities.  Performs other job-related duties as assigned.  Requirements Minimum Education and Experience  Bachelor's degree in Finance, Accounting, Business Administration, or a related field 9 years of relevant experience  4 years of project or team management experience  2 years of supervisory experience  Basic Requirements  Previous SETA experience supporting a Government Research agency (ARPA-H, DARPA, ONR, R&E, AFRL, etc.) Experience in government program financial and administrative support.   Strong knowledge of financial modeling and data analytic tools, as well as relevant financial, accounting, property management, reporting and other related systems.  Experience in developing, organizing, forecasting, and maintaining financial budgets and tracking technical and financial milestones.  Experience in creating and coordinating budget and acquisition funding documents and has knowledge/competence in analysis is required.  Working knowledge of Microsoft Office (Excel, PowerPoint, and Word required)   Excellent organizational and communication skills, strong attention to detail, and the ability to handle a wide variety of tasks, including briefing support and general administration.  Strong knowledge of financial principles, practices, and federal regulations.  To be successful at Ripple Effect, you must be able to pay attention to details, clearly communicate, work independently, and have an eagerness to learn. Learn more about what makes Ripple so great check out our capabilities.   Skills That Set You Apart  Master's degree or professional certification (e.g., CPA, CFA) Proven experience as a Business Finance Manager or similar role within a government or research-focused organization.  Demonstrated experience in organizing and facilitating small meetings.  Can operate well in a group dynamic, think creatively and critically, and has a fundamental understanding of government budgeting and a fundamental understanding of government contracting.  Can produce work products that are accurate in presentation, context and can remain focused in in stressful and fluctuating situations.  If you don’t have all of the skills above, don’t be discouraged—no resume paints a complete picture of a person. There’s a good chance you’re more wonderful than you think, so please apply!  About Ripple Effect  Ripple Effect is an award-winning women-owned small business providing professional consulting and exceptional talent for federal, private, and non-profit clients. We deliver multi-disciplinary solutions across Communications & Outreach, Research & Evaluation, Program Management & Policy, Digital Transformation, and Technical & Scientific Support solutions with a focus on science, research, and healthcare domains.  Hiring Process | Life at Ripple   Benefits Ripple Effect rewards our employees for their contributions to our mission in many ways, from competitive pay and exceptional benefits to a range of work/life programs based on your employment classification and personalized preferences.  -----------------------------------------------------------------------  Ripple Effect is proud to be an equal opportunity workplace and is an affirmative action employer. We are committed to equal employment opportunity regardless of to race, color, religion, sex, national origin, age (40 or older), disability, or genetic information. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. If you have a disability or special need that requires accommodation during the hiring process, please let us know by contacting our HR department at HR@rippleeffect.com or your recruiter. Eligibility for employment will be verified using E-verify. 

Part time: 4-8 hours per week. Flexible. Must be conversant with Quickbooks and Quicken. Primarily bill entry.

Sr. Credit Risk Review Analyst - Commercial Lending Tampa, FL Join our highly skilled Credit Risk Review (CRR) team as a Senior Credit Risk Review Analyst specializing in Commercial Lending. CRR's primary objective is to provide timely and independent assessments of credit exposures and credit risk, with results reported directly to senior management and the Risk Committee of the Board of Directors. In this hybrid role (3 days in-office, 2 days remote), you'll provide independent, expert assessments of Commercial credit exposures. You may also take on the responsibility of Reviewer in Charge, leading review engagements, managing reviewers, conducting portfolio analysis, and summarizing findings from credit file samples. Your deep understanding of commercial lending and credit risk practices will be crucial in providing valuable insights and recommendations to enhance our credit risk management. Responsibilities Execute Complex Reviews: Independently assess complex credit and credit-related transactions, including facility structures and underwriting processes, leveraging your expert knowledge of credit policies and procedures. Understand inherent risk and the materiality of risk for credit transactions. Validate and Ensure Accuracy: Validate scorecard risk ratings and borrower credit administration. Ensure a thorough understanding of portfolio issues, trends, and root causes to effectively manage credit portfolios. Independent Reporting & Communication: Independently complete work papers, track issues, compile supporting documentation, and follow up on exam findings with business leaders. Act as a Second Level Reviewer and effectively communicate credit risk review objectives, outcomes, and recommendations for issue remediation. Risk Analysis & Monitoring: Analyze risk in assigned credit portfolios by reviewing relevant reports and assessing trends. Provide expert analytical insights, identify risk concentrations, systemic trends, or issues, and participate in continuous monitoring for assigned portfolios. Leadership & Expertise: Oversee file review activities of other reviewers as the Reviewer in Charge for assigned business segment(s). Perform assessments of file review results and findings to determine final ratings and draft review reports. Serve as an expert resource to the team. Market Acumen: Demonstrate an expert understanding of the credit cycle and the impact of economic indicators on key driving metrics. Possess expert knowledge of how and where to leverage industry and economic research tools into the review process. Requirements Qualifications Extensive Credit Expertise: Robust credit knowledge and strong experience in Commercial credit extension and management. Experience with Complex Transactions: 10+ years of Credit Risk or Credit Underwriting experience, specifically with larger, more complex transactions in Commercial, CRE, Corporate Banking, Leveraged Lending, Middle Market, etc. Communication Skills: Strong verbal and written communication skills, with the ability to navigate and handle difficult conversations effectively with stakeholders. Banking Experience: Experience at larger banks (asset size $80B+). Deal Size Exposure: Experience with average deal sizes of $50MM. Underwriting Background: Experience in underwriting for ABL, Business Banking, Corporate Banking/Mid-Market, or Lower Mid-Market commercial segments.   Benefits $125,000 to $175,000+ Full benefits package Bonus + Paid Relocation Assistance

Duties: - Handle AP/AR & bookkeeping tasks - Manage COIs and vendor compliance - Submit timesheets/invoices in vendor portals (Fieldglass, Beeline, etc.) - Reconcile bank/credit card statements - Work in QuickBooks - Taking the calls and managing the employees and clients Requirements: 2+ years’ experience in bookkeeping or AP/AR Detail-oriented and reliable Onsite only (no remote work) 📧 Apply: Send resume + hourly rate/salary expectations