Credit Analyst II/III

Washington Trust Bank Careers; Seattle (WA); On-site; USD 75,000 - 110,000; Full time

Job summary

Washington Trust Bank in Seattle seeks an experienced credit analyst to support relationship managers with credit analysis, risk assessment, and underwriting of commercial borrowers.

You will prepare financial projections, build models and spreadsheets, ensure documentation quality, and collaborate across teams. This onsite role requires 3+ years of experience and strong Excel skills to support loan policy compliance.

Qualifications

• 3+ years of credit analysis and underwriting experience.
• College-level coursework in Accounting, Finance, Business or related field.
• Strong accounting aptitude and analytical/problem solving ability.

Responsibilities

• Assist RM in credit analysis, risk rating, and reporting.
• Review financial reports and prepare credit authorizations per policy.
• Prepare financial projections and automated spreadsheets for commercial borrowers.
• Develop financial models using customized formats.
• Prepare financial statement presentations for business borrowers.
• Perform compliance and risk management duties as required.

Skills

Credit analysis

Risk assessment

Financial modeling

Analytical problem solving

Attention to detail

Communication skills

Education

Accounting/Finance coursework

College-level coursework in related field

Tools

Excel

Microsoft Office Suite

Job description

Location:

This position requires onsite work at our Seattle Financial Center.

Essential Functions:

• 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.

Qualifications:

• 3+ years of credit analysis and underwriting experience.
• College-level course work, preferably 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 and handle multiple priorities while maintaining a high level of service to both internal and external clients.
• Excellent interpersonal skills; ability to collaborate with and work effectively with diverse groups of people
• Outstanding verbal and written communication skills, including grammar, correspondence abilities, etc.
• Organizational and analytical skills, strategic thinking and ability to work collaboratively or independently.
• Proficient PC and technical skills to navigate software, including the Microsoft Office Suite of products, word processing, spreadsheets, database, desktop information management, Internet, and related applications.
• Demonstrated self-motivation and initiative; ability to work well both independently and with others.

Compensation:

The compensation range represents the low and high end of the base compensation range for this position based in Seattle, WA. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. This position is eligible to participate in an applicable annual bonus plan.

What Our Culture Can Offer You:

Our benefit philosophy is to provide you with a comprehensive package to secure your overall wellness and help you become and remain a fulfilled and productive employee. Our benefits include Health, Financial, Retirement and Work/Life Benefits. We are proud to share an overview of our benefits HERE as part of your total compensation.

Washington Trust Bank celebrates diversity in the workplace and actively recruits talent to help reflect the unique communities where we live and work. We are proud to be an equal opportunity employer and prohibit discrimination or harassment based on race, religion, sex, gender identity, sexual orientation, national origin, age, pregnancy, disability, genetic information and any other protected characteristics outline by state, federal and local laws. We believe strength comes from the diverse backgrounds and experiences of our team, and we are dedicated to fostering a supportive and inclusive work environment.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.