Credit Analyst: Shape Lending with Financial Insight

The Commerce Bank Northwest; Bellevue (WA); On-site; USD 82,000 - 101,000; Full time

Benefits offered by this job

Medical insurance

Life & Disability Insurance

PTO & Holidays

401(k) match

Tuition reimbursement

Mental health benefits

Job summary

The Commerce Bank of Washington is seeking a Credit Analyst to deliver top-notch customer service and perform detailed credit evaluations for loan applicants in Bellevue, WA. You will analyze financial statements, assess risk, and prepare concise credit memorandums to support lending decisions.

Join a team committed to long-term relationships and community banking, with comprehensive benefits and opportunities for professional growth within a trusted regional bank.

Qualifications

• Requires a Bachelor's in finance, business, accounting or a related field and 2+ years credit/financial analysis, lending, underwriting or other directly related experience.
• Working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles.
• Solid experience working with various types of loans.
• Working knowledge of credit risk, legal and regulatory requirements.

Responsibilities

• Conducts credit investigations and analyzes credit information pertaining to loans.
• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• Analyzes financial statements and related material.
• Analyzes financial conditions and trends.
• Reviews and reports non-compliance with loan covenants.
• Determines cash flow using appropriate tax analysis.
• Prepares summaries, presents facts, and offers opinions concerning creditworthiness.
• Provides credit information and references for customers, loan officers, or other agencies as requested.

Skills

Client relationship skills

Written and verbal communication

Decision making

Education

Bachelor's in finance, business, accounting or related

Tools

Spreadsheets

Word processing

Job description

The Commerce Bank of Washington is seeking a Credit Analyst to deliver top-notch customer service and perform detailed credit evaluations for loan applicants in Bellevue, WA. You will analyze financial statements, assess risk, and prepare concise credit memorandums to support lending decisions.

Join a team committed to long-term relationships and community banking, with comprehensive benefits and opportunities for professional growth within a trusted regional bank.