Credit Analyst I: Strategic Lending & Financial Insight

Socket.dev; Spokane (WA); On-site; USD 57,000 - 86,000; Full time

Benefits offered by this job

Medical, dental, vision, and life ins.

Paid time off & holidays

Job summary

Wheatland Bank is seeking a Loan Analyst to support loan officers by preparing credit documents, analyzing financial statements, tax returns, and budgets, and providing underwriting analysis. The role emphasizes accuracy, confidentiality, and strong customer service to internal and external partners in a fast-paced banking environment.

The position includes preparing credit authorizations, presenting credit proposals, and assisting with audits and collateral administration.

Qualifications

• 2 years of accounting or financial analysis experience or related Associate's Degree.
• High School diploma/GED.
• Bachelor's Degree in finance, accounting or related field preferred.
• Minimum 1 year banking experience preferred.
• Proficiency with Microsoft applications (Word, Excel, Outlook).
• Ability to maintain strict confidentiality.
• Strong written and oral communications skills.
• Strong customer service skills.
• Strong organizational skills with attention to detail.
• Experience with Jack Henry systems highly desired.
• Accuracy with financial calculations.

Responsibilities

• Prepares and/or oversees the preparation of credit authorizations, supporting documents and loan information sheets for new and existing accounts.
• Spreads and/or analyzes financial statements and tax returns of potential and existing customers using appropriate tools and credit criteria.
• Assists the assigned Loan Officer in the management of the portfolio of loans.
• Performs analysis of financial statements, cashflows, and pricing analysis.
• Completes borrower background and qualification of the credit approval package.
• Prepares presentation materials for new and additional credit proposals.
• May prepare draft loan reports for loan officer review and finalization.
• Independently researches and analyzes company and industry data.
• May recommend loan terms and/or pricing structures to commercial lender.
• Helps track credit package completion.
• Helps prepare files for the audit/exam process and tracks their progress to assure their security.
• Assists the loan officer in the research and follow up of responses to audits/exams.
• Completes the closing loan process with customers.
• Begins collection efforts of late accounts.
• Provides effective verbal and written communications to customers and outside associates.
• Ensures quality customer service and professional image; complies with bank policies.
• Maintains orderly collateral files and supports audit readiness.

Job description

Wheatland Bank is seeking a Loan Analyst to support loan officers by preparing credit documents, analyzing financial statements, tax returns, and budgets, and providing underwriting analysis. The role emphasizes accuracy, confidentiality, and strong customer service to internal and external partners in a fast-paced banking environment.

The position includes preparing credit authorizations, presenting credit proposals, and assisting with audits and collateral administration.