Commercial Credit Analyst jobs in Washington

Commercial Credit Analyst collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Being a Commercial Credit Analyst calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Additionally, Commercial Credit Analyst presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. The Commercial Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Commercial Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)

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Commercial Banking Credit Analyst / Assistant Relationship Manager
  • Northwest Bank
  • Seattle, WA FULL_TIME
  • About Northwest Bank

    Northwest Bank serves the business and professional communities of Idaho, Oregon, Washington and Utah. We were founded in 2008 with the belief that banks should partner with their customers to find creative financial solutions that work.

    In order to achieve that goal, we need experienced Assistant Relationship Managers on our team. People who share our vision and values, know their customers, and work tirelessly to deliver successful financial solutions.

    Job Overview

    Located in Seattle, Washington, the Assistant Relationship Manager (ARM) supports Relationship Managers (RMs) as a member of the client-facing production team. The ARM conducts credit analysis including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and plays a pivotal role in supporting a designated Relationship Manager (RM) to service existing clients and business development for new clients.

    Essential Duties & Responsibilities 

    • Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values; provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards
    • Investigate, interpret and analyze credit reports
    • Develop key discussion points and questions to assist in analyzing loan opportunities
    • Support the Relationship Managers (RMs) and Loan Administrators to close loans
    • Spread and analyze financial statements and information to evaluate existing and projected company cash flow
    • Work with Loan Administration to determine necessary reports (UCC lien searches, title, insurance, appraisals / evaluations, environmental, flood, etc.)
    • Review independent appraisal and collateral exam reports
    • Develop list of key information necessary to support the loan approval process
    • Prepare detailed Credit Memorandums with defined Credit Quality Expectations and within Credit policies and procedures for review and approval
    • Make underwriting recommendations to the Relationship Manager, Market President, and Credit Administration, as appropriate
    • Assist in monitoring loans through timely collection of financial information / tickler management
    • Create and maintain customer files within defined bank standards
    • Attend customer meetings and provide written summary in underwriting and evaluating risk
    • Connect with loan applicants to ensure loan packages are complete
    • Participate in Credit Training to remain current on standards and expectations
    • Review portfolio reports to be informed of work flow, maturing loans (early identification of need for loan extensions), covenant compliance, etc.
    • Analyze/recommend line draws (via Borrowing Base Certificates, Construction Draws, etc.) as requested by RM
    • Support collection of past due accounts
    • Assist with the Know Your Customer (KYC) due diligence and new account onboarding for new clients
    • Assist with customer calls and marketing efforts
    • Maintain knowledge of and compliance with banking regulations

    Required Qualifications: 

    • Bachelor’s degree in Business, Accounting, Finance, or related area; or equivalent work experience
    • Relevant experience analyzing business financial statements in the context of commercial banking, investment banking, or commercial real estate lending
    • Relevant experience with direct client interaction with businesses providing support related to financial services

    Preferred Qualifications: 

    • Experience with financial analysis software such as Moodys and Bukers
    • Proficiency using Windows-based operating systems (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis and for high-quality, professional presentations to clients and prospects
    • Thorough understanding of business cash flow and differing legal business structures
    • Experience working in a fast-paced environment where effectively managing multiple tasks and priorities is critical
    • Basic knowledge of risk analysis, economics, accounting, and finance practice
    • Strong relationship-building skills with demonstrated attributes that support a team-based environment
    • Thorough knowledge of lending policies and procedures preferred
    • Effective oral and written communication and time management skills
    • Basic knowledge of deposit and cash management banking products used by lower middle-market companies

    Benefits  

    • Competitive Compensation Package 
    • Medical, Dental, and Vision 
    • Health Savings Account (HSA)
    • Flexible Spending Accounts (FSA)
    • 401(k) plan with company match 
    • Generous PTO & Holidays

     

    Salary 

    • 75,000 - 90,0000 (DOE) 
  • 20 Days Ago

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SR Business Loan Underwriter / Credit Analyst
  • Sound Credit Union
  • Lynnwood, WA OTHER
  • Job Details Level: Experienced Job Location: Corporate Office Lynnwood - Lynnwood, WA Position Type: Full Time Education Level: High School Diploma or equivalent. Salary Range: $41.35 - $62.02 Hourly ...
  • 19 Days Ago

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SR Business Loan Underwriter / Credit Analyst
  • Sound Credit Union
  • Lynnwood, WA OTHER
  • Job Details Level: Experienced Job Location: Corporate Office Lynnwood - Lynnwood, WA Position Type: Full Time Education Level: High School Diploma or equivalent. Salary Range: $41.35 - $62.02 Hourly ...
  • 23 Days Ago

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CREDIT ANALYST
  • Mountain Pacific Bank
  • Everett, WA FULL_TIME
  • Come Work for a Bank That’s Different At Mountain Pacific Bank, we believe banking matters to our customers. We understand it’s our employees that drive the experience of each customer and provide a c...
  • 22 Days Ago

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Credit Analyst
  • SanMar
  • Issaquah, WA FULL_TIME
  • At SanMar, the work you do makes a difference. What's the Short Version? The Credit Analyst works closely with SanMar's customers, and internal teams to assist in business building opportunities while...
  • 23 Days Ago

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Credit Analyst
  • Stanley | tms
  • Seattle, WA FULL_TIME
  • Credit Analyst Stanley Seattle, WA HAVI, is a global, privately held company that delivers expertise and experience across analytics, packaging, sourcing, supply chain, and logistics. The Senior Finan...
  • 1 Day Ago

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Experienced Commercial Credit Analyst - Shenandoah Valley
  • FIRST BANK AND TRUST COMPANY
  • Harrisonburg, VA
  • Job Description Job Description The First Bank and Trust Company is seeking an Experienced Commercial Credit Analyst to ...
  • 3/28/2024 12:00:00 AM

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Experienced Commercial Credit Analyst - Shenandoah Valley
  • FIRST BANK AND TRUST COMPANY
  • Staunton, VA
  • Job Description Job Description The First Bank and Trust Company is seeking an Experienced Commercial Credit Analyst to ...
  • 3/28/2024 12:00:00 AM

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Commercial Credit Analyst
  • JCW
  • New York, NY
  • JCW is currently recruiting on behalf of a large bank that's looking to hire a Senior Auditor- Credit Risk for their gro...
  • 3/27/2024 12:00:00 AM

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Commercial Lender
  • Babich & Associates
  • Waxahachie, TX
  • Our customer, a Regional Bank, is looking for Business Development candidate for their commercial lending team. Our clie...
  • 3/27/2024 12:00:00 AM

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Credit Analyst I
  • Ledyard National Bank
  • West Lebanon, NH
  • Job Description Job Description Ledyard National Bank is seeking a Commercial Credit Analyst, responsible for supporting...
  • 3/25/2024 12:00:00 AM

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Sr. Credit Analyst
  • Bay State Savings Bank
  • Worcester, MA
  • STATEMENT OF RESPONSIBILITY: Under the general supervision of the Senior Vice President, Credit Administration Officer, ...
  • 3/25/2024 12:00:00 AM

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Commercial Credit Analyst
  • Heritage Financial Credit Union
  • Middletown, NY
  • Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve...
  • 3/24/2024 12:00:00 AM

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Commercial Loan Review Officer I
  • Valley Bank
  • Morristown, NJ
  • Job Overview The Loan Review Officer I will provide an independent assessment of credit risk by examining individual cre...
  • 3/24/2024 12:00:00 AM

Washington (/ˈwɒʃɪŋtən/), officially the State of Washington, is a state in the Pacific Northwest region of the United States. Washington is the northwestern-most state of the contiguous United States. It borders Idaho to the east, bounded mostly by the meridian running north from the confluence of the Snake River and Clearwater River (about 116°57' west), except for the southernmost section where the border follows the Snake River. Oregon is to the south, with the Columbia River forming the western part and the 46th parallel forming the eastern part of the Oregon-Washington border. To the wes...
Source: Wikipedia (as of 04/17/2019). Read more from Wikipedia
Income Estimation for Commercial Credit Analyst jobs
$56,461 to $73,920

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