Credit Analyst - Seattle, WA (Hybrid Schedule)

We are now accepting resumes for our Credit Analyst role located in either Seattle or Bellevue, WA.  This position is eligible for a 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 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 of the loan request and the business relationship ensures the accuracy and completeness of financial information received for loan renewals.

·         Analyzes financial statements and related material and makes recommendations for approvals of credits.

·         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 credit-worthiness and any risk items or issues.

·         Provides credit information and references for customers, loan officers, or other agencies as requested.

·         Ensures that all credit files include current financial statements, agency reports, etc.

·         May make recommendations for loan structure.

·         Maintains control over current accounts, noting payment progress, watching for any developing problems, and keep loan officers informed.

·         Keeps abreast of all new credit regulations and laws and ensures compliance with such.

·         May assists with projects as needed.

·         Other duties as assigned.

Qualifications:

·         Requires a Bachelor's 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.

·         Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles.

·         Some experience working with various types of loans.

·         Basic working knowledge of credit risk, legal and regulatory requirements.

·         Ability to work with lending officers and staff.

·         Good 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 Parental Leave and Adoption Assistance

·         Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts

·         Paid Training, 15 or 20 days of Paid Time Off (PTO) depending on level hired.  (PTO covers both sick and vacation days without distinguishing between them), 11 Paid Federal Holidays, and any applicable state 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 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

·         This position is eligible to earn a base salary in the range of

o    Level II: $62,100 to $91,100

o    Level III: $73,313 to $107,500

§  annually depending on job-related factors such as level of experience and location.