Hybrid Commercial Credit Underwriter & Analyst

MRISpokane; Spokane (WA); Híbrido; USD 81.000 - 110.000; Jornada completa

Descripción de la vacante

MRIS Spokane is seeking a Commercial Credit Analyst / Commercial Underwriter to join a growing, community-focused financial institution in Spokane, WA. Hybrid flexibility and collaboration with credit leadership offer broad exposure across commercial lending and underwriting responsibilities.

The role can start at an analyst level or with more responsibility for experienced candidates, with opportunities to handle new-money underwriting and portfolio management in a centralized underwriting

Formación

• Ability to analyze financial statements and tax returns.
• Experience in cash flow, debt-service coverage, liquidity and leverage analysis.
• Experience in commercial underwriting or credit-analysis.

Responsabilidades

• Analyze commercial loan requests, renewals, modifications, and annual relationship reviews.
• Review financial statements, tax returns, projections, and collateral-related documents.
• Perform cash flow, global cash flow, DSCR, leverage, liquidity, and trend analysis.
• Evaluate repayment sources, collateral, guarantor strength, covenants, and overall credit risk.
• Prepare clear, supported credit memoranda and risk assessments.
• Support new-money underwriting and portfolio-management activities.
• Monitor covenant compliance and portfolio quality.

Conocimientos

Financial analysis

Credit underwriting

Portfolio management

Analytical thinking

Written communication

Educación

Bachelor's degree in finance, accounting, economics, business, or related discipline

Descripción del empleo

MRIS Spokane is seeking a Commercial Credit Analyst / Commercial Underwriter to join a growing, community-focused financial institution in Spokane, WA. Hybrid flexibility and collaboration with credit leadership offer broad exposure across commercial lending and underwriting responsibilities.

The role can start at an analyst level or with more responsibility for experienced candidates, with opportunities to handle new-money underwriting and portfolio management in a centralized underwriting