Senior Credit Analyst

Financial Pacific Leasing, Inc.; United States; On-site; USD 41,000 - 55,000; Full time

Benefits offered by this job

Healthcare coverage

401(k) with employer match

Employee assistance program

Life insurance

Disability insurance

Tuition assistance

Mental health resources

Identity theft protection

Legal support

Auto and home insurance

Pet insurance

Discount marketplace access

Paid vacation and holidays

Job summary

Financial Pacific Leasing, Inc. is seeking a credit underwriting professional to evaluate equipment finance opportunities and make informed decisions within set limits. The role involves financial statement spreading, risk rating, and formal credit memos, ensuring alignment with bank policies and program guidelines.

You will coordinate with Credit and Business Development to implement portfolio changes, mentor team members, and stay compliant with regulatory standards across the function.

Qualifications

• Bachelor's degree in finance and business required.
• 5+ years credit underwriting experience in commercial lending preferred.
• Familiarity with financial statement spreading tools and risk rating methods.
• Knowledge of vendor/relationship governance agreements.

Responsibilities

• Make credit decisions within assigned limits and according to policies.
• Spread financial statements and complete risk rating assessments.
• Prepare formal credit memos and liaise with Credit and Business Development.
• Review programs and perform financial analysis on vendor/TPO partners.
• Coach or mentor others as subject matter expert when needed.

Skills

Credit underwriting

Financial analysis

Vendor relations

Adaptability

Problem solving

Verbal and written communication

Confidentiality

Education

Bachelor's degree in finance and business

Tools

MS Word

MS Excel

Job description

Established in 1975, Financial Pacific Leasing, Inc. (a subsidiary of Columbia Bank), is a direct provider of small-ticket commercial equipment leases. FinPac originates business through partnering with vendors, third party originators and lessors nationwide. For over 50 years, these partners have relied on Financial Pacific to provide them with innovative financing solutions for their customers.

About the Role:

Responsible for credit, equipment and underwriting decisions within assigned limits and consistent with the policies and programs of the company. Conduct financial analysis and periodic relationship performance evaluations based on FinPac's annual review guidelines. Make credit decisions within assigned limits consistent with FinPac and Bank credit policies and guidelines Review credits above assigned limit and make recommendations to credit management. Review designated programs and perform financial analysis on Vendor/TPO partners as part of annual or periodic performance reviews. Spread financial statements, complete risk rating assessments and complete formal credit memos using tools and formats designated by FinPac and/or the bank. Act as liaison between Credit and Business Development to evaluate and recommend programmatic changes based on portfolio performance. Review program and transaction documentation to assess risk issues and elevate concerns as appropriate. Distribute material and explain to underwriting teams updated guidance on portfolio review findings and risk considerations. Troubleshoot, analyze and remedy internal issues in a timely and efficient manner within established guidelines. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training. Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description. May be asked to coach, mentor, or train others and teach coursework as subject matter expert. Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. Embraces our vision to become "Business Bank of Choice" May perform other duties as assigned.

About You:

• High School graduate or equivalent.
• Required Bachelor's degree in finance and business.
• Preferred 5+ years Credit underwriting experience in commercial lending, prior equipment finance experience preferred.
• Familiarity with financial statement spreading tools and commercial finance risk rating methods
• Familiarity with end-user documentation and Vendor/relationship governance agreements.
• Adaptable and resourceful, capable of thriving in a fast-paced environment with changing demands.
• Strong analytical and problem-solving skills.
• Highly effective verbal and written communication skills, with strong interpersonal effectiveness and the ability to work with all levels of management.
• Demonstrated accountability and responsibility for independent judgment and successful outcomes.
• Must maintain confidentiality, discretion, and integrity.
• High proficiency with Microsoft tools including Word and Excel

Contract and Compensation:

The pay range for this role is $29.80 - $40.00. The pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation, and those details will be provided during the recruitment process.

Primary Location:

Ability to work fully onsite at posted location(s). 3455 South 344th Way Suite 300 Federal Way WA 98001

Our Benefits:

We are proud to offer a competitive total rewards package including base wages and comprehensive benefits.

• eligible associates comprehensive healthcare coverage (medical, dental, and vision plans)
• a 401(k)-retirement savings plan with employer match for qualifying associate contributions
• an employee assistance program
• life insurance
• disability insurance
• tuition assistance
• mental health resources
• identity theft protection
• legal support
• auto and home insurance
• pet insurance
• access to an online discount marketplace
• paid vacation, sick days, volunteer days, and holidays

Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.

Our Commitment to Diversity:

Columbia Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics.

To Staffing and Recruiting Agencies:

Our posted job opportunities are only intended for individuals seeking employment at Columbia Bank. Columbia Bank does not accept unsolicited resumes or applications from agencies and Columbia Bank will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.

About Columbia Bank

At Columbia Bank, we're redefining what it means to bank and to build a career. As the West's premier banking experience, we combine the strength and scale of a leading financial institution with the heart and mindset of a community bank. With more than 350 locations across eight states, we deliver relationship-based service backed by regional expertise and resources that help families and businesses thrive. Our culture is built on "Do RIGHT", which means: Relationships: We create authentic connections with customers, colleagues, and communities. Impact: Every role here makes a meaningful difference in people’s lives and local economies. Growth: We invest in your success with career development, mentorship, and learning opportunities. Heart: We care deeply about doing what’s best for our customers and each other. Trust: Integrity and transparency guide everything we do. Why work for Columbia Bank? A strong, stable financial foundation with over $67 billion in assets and a diverse portfolio that supports flexibility and opportunity. A culture of belonging and purpose, where your ideas matter and your work has impact. Competitive benefits and flexibility designed to help you thrive personally and professionally. Community engagement that matters, from supporting local businesses to empowering youth through financial literacy initiatives. Ready to Do RIGHT for your career, your community, and your future? Explore opportunities and join Columbia Bank today.