Credit Analyst - Seattle, WA

Essential Functions

• Conducts credit investigations and analyzes credit information pertaining to loans.
• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• Analyzes financial statements and related material.
• Analyzes financial conditions and trends.
• Reviews and reports non-compliance with loan covenants.
• Determines cash flow using appropriate tax analysis.
• Prepares summaries, presents facts, and offers opinions concerning creditworthiness.
• Provides credit information and references for customers, loan officers, or other agencies as requested.
• May provide rates and loan information to clients.
• Ensures that all credit files include proper documentation including current financial statements, agency reports, etc.
• Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed.
• Writes credit memorandums.
• Accompanies lenders on business calls.
• Conducts industry research.
• Assists with special projects as assigned.

  Qualifications

  • Requires a Bachelor's in finance, business, accounting or a related field and 2+ years credit/financial analysis, lending, underwriting or other directly related experience.
  • A combination of education and experience may meet job requirements.
  • Working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles.
  • Solid experience working with various types of loans.
  • Working knowledge of credit risk, legal and regulatory requirements.
  • Ability to work with lending officers and staff.
  • Solid client relationship and communication skills, both verbal and written.
  • Ability to make sound decisions and recommendations regarding loans.
  • Working knowledge of computer software programs including spreadsheets, word processing, etc. required.

    Benefits

    • Medical, Dental and Vision Insurance – START DAY ONE!
    • Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance
    • Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
    • Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays
    • 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
    • Mental health benefits, including coaching and therapy sessions
    • Tuition Reimbursement for qualifying employees
    • Employee Ambassador preferred banking products

    Pay

    This position is eligible to earn a base salary in the range of $79,000 - $114,000 depending on job-related factors such as level of experience.