Commercial Credit Analyst — Growth Path to Underwriting

RiverBank (RiverBank Holding Company); Spokane (WA); On-site; USD 81,000 - 104,000; Full time

Benefits offered by this job

Three weeks vacation

Sick leave 12 days/year

Volunteer time off (40+ hours)

Job summary

RiverBank in Spokane, WA is seeking a Commercial Credit Analyst to join our Credit Administration team. You will analyze commercial loan requests, review borrower financials, assess risk, and prepare concise credit memorandums to guide sound underwriting decisions.

You'll monitor portfolio performance, ensure covenant compliance, and collaborate with bankers to structure credit solutions. The ideal candidate has 2–5 years in commercial banking or financial analysis and a bachelor’s degree in a

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field.
• Two to five years of experience in commercial banking, financial analysis, accounting, credit analysis, treasury, lending support, or a related financial services role.
• Experience analyzing financial statements and tax returns required.
• Commercial credit analysis or underwriting experience preferred.

Responsibilities

• Analyze commercial loan requests, renewals, modifications, and annual relationship reviews across a range of business credit relationships.
• Evaluate borrower and guarantor financial strength through detailed review of business and personal financial statements, tax returns, projections, borrowing base reports, and supporting documentation.
• Perform cash flow analysis, debt service coverage calculations, leverage and liquidity analysis, and trend analysis.
• Assess collateral adequacy, repayment sources, guarantor support, and overall credit structure.
• Identify strengths, weaknesses, risks, and appropriate mitigating factors associated with commercial credit relationships.
• Spread business and personal financial statements and tax returns in accordance with bank guidelines.

Skills

Financial analysis

Cash flow analysis

Credit risk assessment

Banking experience

Education

Bachelor’s degree in Finance/Accounting/Business

Tools

Buker’s Tax Analysis

Job description

RiverBank in Spokane, WA is seeking a Commercial Credit Analyst to join our Credit Administration team. You will analyze commercial loan requests, review borrower financials, assess risk, and prepare concise credit memorandums to guide sound underwriting decisions.

You'll monitor portfolio performance, ensure covenant compliance, and collaborate with bankers to structure credit solutions. The ideal candidate has 2–5 years in commercial banking or financial analysis and a bachelor’s degree in a