Credit Analyst I-III | Financial Modeling & Risk

Washington Trust Bank; Coeur d'Alene (ID); On-site; USD 52,000 - 102,000; Full time

Job summary

Washington Trust Bank in Coeur d'Alene, Idaho, is seeking a Credit Analyst I–III to support Relationship Managers in credit analysis and underwriting for existing and potential loan customers. You will prepare written authorizations, spreads of financials, and cash flow worksheets under supervision of senior team members.

Responsibilities include analyzing business financial reports, developing models, and ensuring compliance with bank policies.

Qualifications

• 3+ years of credit analysis and underwriting experience preferred.
• College-level coursework in Accounting, Finance, Business or related field.
• Strong accounting aptitude.
• Demonstrated analytical/problem solving ability.
• Experience with computer assisted financial analysis and PC-based financial models; knowledge of spreadsheet applications (Microsoft Excel, etc).
• Strong knowledge of Bank loan policies and general commercial documentation requirements.
• Ability to prioritize assignments while maintaining high service levels.
• Excellent interpersonal skills; ability to collaborate with diverse groups.
• Outstanding verbal and written communication skills.
• Organizational and analytical skills, strategic thinking; ability to work independently or with others.
• Proficient PC and technical skills to navigate software, including Microsoft Office Suite.

Responsibilities

• Assists RM in credit analysis, assessment of risk rating, problem loan reporting and other credit administration requirements.
• Reviews and evaluates business financial reports, prepares written credit authorizations pursuant to Bank policy and ensures proper monitoring and documentation are reviewed.
• Prepares financial projections and customized automated spreadsheets for analyzing commercial borrowers and prospects.
• Develops financial models based upon customized financial formats.
• Prepares financial statement presentations for analyzing business borrowers.
• Performs compliance and risk management duties as required or assigned.
• Regular, reliable attendance is required.
• Assists with other department duties and projects, as requested by team lead.

Skills

Credit analysis

Analytical thinking

Attention to detail

Interpersonal skills

Time management

Communication

Prioritization

Self-motivation

Problem solving

PC proficiency

Education

College coursework in Accounting/Finance/Business

Tools

Excel

Microsoft Office

Job description

Washington Trust Bank in Coeur d'Alene, Idaho, is seeking a Credit Analyst I–III to support Relationship Managers in credit analysis and underwriting for existing and potential loan customers. You will prepare written authorizations, spreads of financials, and cash flow worksheets under supervision of senior team members.

Responsibilities include analyzing business financial reports, developing models, and ensuring compliance with bank policies.