Credit Analyst II/III

Washington Trust Bank; Spokane (WA); On-site; USD 59,000 - 102,000; Full time

Benefits offered by this job

Annual bonus plan

Health benefits

Retirement benefits

Job summary

Washington Trust Bank is seeking a Credit Analyst II/III at its Spokane Financial Center to assess borrower risk, analyze financial statements, and prepare credit authorizations in line with bank policy.

The role requires strong analytical skills, experience with Excel and financial modeling, and the ability to manage multiple priorities while delivering accurate, well-documented analyses. Compensation ranges and bonus eligibility reflect market expectations in Spokane.

Qualifications

• 3+ years of credit analysis and underwriting experience preferred.
• Strong accounting aptitude.
• Demonstrated analytical/problem solving ability.
• Experience with computer assisted financial analysis and PC-based financial models; knowledge of spreadsheet applications.

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

Financial modeling

Excel

Accounting aptitude

Analytical thinking

Communication skills

Attention to detail

Problem solving

Education

College coursework in Accounting/Finance/Business

Tools

Microsoft Excel

Microsoft Office

Job description

Location

Spokane Financial Center, Tower West - 717 W Sprague Ave 10th Floor Spokane, WA 99201

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.

Requirements

• 3+ years of credit analysis and underwriting experience preferred.
• 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

Credit Analyst II: $59,209 - $88,814
Credit Analyst III: $67,815 - $101,781

The compensation range represents the low and high end of the base compensation range for this position located in Spokane, 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.