Credit Analyst - Portland, OR (Hybrid Schedule)
We are now accepting resumes for our Credit Analyst role located in Portland, OR.This position has a flexible hybrid work schedule.The ideal candidate for this role will have the skills and experience necessary to fulfill the following responsibilities and qualifications:
· Conducts credit investigations, credit and loan analysis, underwriting, prepare credit presentations, and other documentation information pertaining to loan analysis.
· Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
· Responsible to understand the loan request and ensures the accuracy and completeness of financial information received for loan renewals.
· Analyzes financial statements and related materials and works with Relationship Managers to make recommendations for credit approvals.
· Analyzes financial conditions and trends and prepares tracking for loan compliance.
· Determines business and individual cash flow analysis.
· Prepares summaries, presents facts, and offers opinions concerning credit-worthiness and identifies risks.
· Ensures that all credit files include current financial statements, agency reports, etc.
· Partner with Relationship Managers to recommend loan structure.
· Proactively monitors and manages loan portfolios to ensure accounts are current, and watch for developing credit weaknesses. Share insights with Relationship Managers.
· Keeps abreast the bank's credit policy, all new credit regulations and laws, and ensures compliance with such.
· Assists with other projects as outlined by manager or Relationship Managers.
· Other duties as assigned.
Qualifications :
· Require a Bachelor in finance, business, accounting or a related field and 3+ yrs 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.
· Experience working with various types of loans.
· Working knowledge of credit risk, legal and regulatory requirements.
· Ability to work with Relationship Managers and or staff, including client service and treasury management operations.
· Good client relationship, teamwork, and communication skills, both verbal and written.
· Ability to make sound decisions and recommendations regarding loans.
· Working knowledge of computer software programs including Excel (to create spreadsheets), Word, and Moody's Analytics, etc.
Benefits :
· Medical, Dental and Vision Insurance - START DAY ONE!
· Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
· Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
· Paid Training, 20 days of Paid Time Off (PTO). PTO covers both sick and vacation days without distinguishing between them. Paid Federal Holidays, and any applicable state holidays
· 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
· Salary Range: $70,875 to $103,950 depending on experience.
· Mental health benefits including coaching and therapy sessions
· Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
· Employee Ambassador preferred banking products
· Employees may, at the company's discretion, be eligible to receive a cash bonus award
· Conducts credit investigations, credit and loan analysis, underwriting, prepare credit presentations, and other documentation information pertaining to loan analysis.
· Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
· Responsible to understand the loan request and ensures the accuracy and completeness of financial information received for loan renewals.
· Analyzes financial statements and related materials and works with Relationship Managers to make recommendations for credit approvals.
· Analyzes financial conditions and trends and prepares tracking for loan compliance.
· Determines business and individual cash flow analysis.
· Prepares summaries, presents facts, and offers opinions concerning credit-worthiness and identifies risks.
· Ensures that all credit files include current financial statements, agency reports, etc.
· Partner with Relationship Managers to recommend loan structure.
· Proactively monitors and manages loan portfolios to ensure accounts are current, and watch for developing credit weaknesses. Share insights with Relationship Managers.
· Keeps abreast the bank's credit policy, all new credit regulations and laws, and ensures compliance with such.
· Assists with other projects as outlined by manager or Relationship Managers.
· Other duties as assigned.
Qualifications :
· Require a Bachelor in finance, business, accounting or a related field and 3+ yrs 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.
· Experience working with various types of loans.
· Working knowledge of credit risk, legal and regulatory requirements.
· Ability to work with Relationship Managers and or staff, including client service and treasury management operations.
· Good client relationship, teamwork, and communication skills, both verbal and written.
· Ability to make sound decisions and recommendations regarding loans.
· Working knowledge of computer software programs including Excel (to create spreadsheets), Word, and Moody's Analytics, etc.
Benefits :
· Medical, Dental and Vision Insurance - START DAY ONE!
· Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
· Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
· Paid Training, 20 days of Paid Time Off (PTO). PTO covers both sick and vacation days without distinguishing between them. Paid Federal Holidays, and any applicable state holidays
· 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
· Salary Range: $70,875 to $103,950 depending on experience.
· Mental health benefits including coaching and therapy sessions
· Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
· Employee Ambassador preferred banking products
· Employees may, at the company's discretion, be eligible to receive a cash bonus award