Partner Banking Deal Architect

Seattle Bank; Seattle, Northern (WA, KY); Hybrid; USD 120,000 - 180,000; Full time

Benefits offered by this job

Medical/Vision/Dental insurance

Life Insurance

401K with company contribution

Transportation and fitness benefits

Volunteer hours and social events

Professional development opportunities

Job summary

Seattle Bank’s Partner Banking division originates loans and acquires assets through fintech and marketplace partnerships. This role owns the credit analysis, deal evaluation, structuring, and commercial execution for each partnership opportunity—enabling the Head of Partnerships to focus on strategy and partner leadership while deal-level work is systematically offloaded.

You will evaluate incoming opportunities against credit and commercial criteria, build deal structures, draft and negotiate

Qualifications

• 7+ years in credit analysis, loan structuring, or commercial deal work (banking, credit funds, mortgage banking, or capital markets)
• 3+ years in commercial lending or partnership/product structuring
• Demonstrated ability to build financial models, analyze credit risk, and recommend deal structures
• Proficiency in drafting, reviewing, and negotiating commercial agreements (NDAs, LOIs, term sheets, purchase and sale agreements)
• Knowledge of capital markets, warehouse facilities, and/or secondary market programs preferred

Responsibilities

• Screen and perform initial credit analysis on prospective partnerships
• Develop and recommend appropriate transaction structures (loan purchases, pools, securitizations, warehousing arrangements)
• Build financial models and NPV/ROI analyses to support deal recommendation
• Conduct or coordinate customer credit evaluation, financial analysis, and due diligence
• Prepare deal memos with credit, operational, and capital market recommendations
• Support capital markets and secondary market program opportunities (e.g., pool structures, warehouse line arrangements)
• Lead negotiation and drafting of partnership agreements (LOIs, term sheets, purchase and sale agreements, referral agreements, service level agreements)
• Translate partner requirements and regulatory/credit constraints into documented commercial terms
• Work with legal and compliance to ensure agreements are sound and risk-mitigated
• Manage approval workflows for commercial and credit stakeholders
• Monitor partner performance against approved structures and terms
• Identify and elevate changes in partner condition, volume, or strategy that warrant deal modification or repricing
• Prepare periodic program reviews and performance dashboards
• Support Head of Partnerships with data for board reporting and strategic updates
• Contribute to the development of new product lines, approval frameworks, and underwriting standards
• Support secondary market program execution and warehouse line management
• Track program profitability, KPIs, and risk metrics across the portfolio
• Physically attending work on a set and predictable schedule is an essential function of this job.
• Due to the collaborative nature of this position, it requires daily in-person work. After a 90-day training period, this position allows for one day of work from home each week. No exceptions will be granted.

Skills

Credit analysis

Financial modeling

LOIs & term sheets

Commercial agreements

Credit risk

Capital markets

Excel

Education

Bachelor's in finance/economics

MBA or finance master's preferred

Tools

Excel

Job description

Seattle Bank’s Partner Banking division originates loans and acquires assets through fintech and marketplace partnerships. This role owns the credit analysis, deal evaluation, structuring, and commercial execution for each partnership opportunity—enabling the Head of Partnerships to focus on strategy and partner leadership while deal-level work is systematically offloaded.

You will evaluate incoming opportunities against credit and commercial criteria, build deal structures, draft and negotiate