Overview
This role supports sound lending decisions by analyzing complex commercial credit relationships and developing well-supported credit recommendations. The position also involves collaborating with lending partners and mentoring team members.
Responsibilities
- Investigate credit and financial information for prospective and existing clients.
- Analyze business and personal financial statements, tax returns, cash flows, collateral support, and repayment sources for new, renewed, and existing commercial loans.
- Independently evaluate complex credit relationships and develop recommendations with minimal guidance.
- Prepare spreadsheets, credit approval packages, credit proposals, financial summaries, and written opinions for loan decision makers.
- Partner with lending teams to support effective credit risk assessment and portfolio management.
- Support the Team Leader role and serve as a backup when needed.
- Train, mentor, and support the development of new team members.
- Maintain compliance with company policies, procedures, security requirements, and applicable government regulations.
Requirements
- Bachelor’s Degree in Accounting, Business, Economics, Law, Computer Science, or a related field (Required).
- An equivalent combination of education and experience can be considered in lieu of a degree.
- 4 or more years of experience as a Credit Analyst (Required).
Preferred Qualifications
- SBA credit analysis preferred
Preferred Skills
- Strong expertise in analyzing complex financial statements, tax returns, credit information, and cash flow performance.
- Deep knowledge of credit investigations, collateral requirements, and commercial lending concepts.
- Exceptional analytical and critical thinking skills with a strong understanding of accounting principles.
- Ability to manage a high volume of work while maintaining accuracy in a fast-paced, deadline-driven environment.
- Ability to adapt effectively to changing priorities and interruptions while delivering quality results.
- Clear and professional communication, verbally and in writing.
- Knowledge of federal and state laws and regulations related to commercial lending.
- Proficiency with Excel, Word, and other business and lending systems.
- Enjoys collaborating with others and sharing knowledge through coaching and mentoring.
Travel
Compensation & Benefits
- Targeted starting salary range (based on experience): $88,657–$104,303
- Annual incentive potential
- Comprehensive employee benefits, including: medical, dental, vision, LTD, STD and life
- Paid vacation time, sick time and 11 company paid holidays
- 401k (with up to 4% match)
- Tuition reimbursement
Location
Washington, Oregon, Idaho, and California (135 branch locations across these states).