Senior Credit Analyst (Remote - WA, OR & ID)

Banner Bank; Idaho; Remote; USD 85,000 - 110,000; Full time

Benefits offered by this job

Medical, dental, vision

Sick time and holidays

Tuition reimbursement

Job summary

Banner Bank is seeking a Senior Credit Analyst to support sound lending decisions by analyzing complex credit relationships and preparing well-supported recommendations. This role requires a Bachelor's degree and 4+ years of analyst experience, with SBA analysis preferred.

You will partner with lending teams to assess risk and ensure compliance across loan portfolios. Responsibilities include evaluating financial statements, tax returns, cash flows, and collateral, while mentoring teammates and

Qualifications

• Bachelor's degree in Accounting, Business, Economics, Law, Computer Science or related field.
• 4+ years of experience as a Credit Analyst.
• SBA credit analysis preferred.

Responsibilities

• Investigate credit and financial information for prospective and existing clients.
• Analyze business and personal financial statements, tax returns, cash flows, collateral support, and repayment sources for new, renewed, and existing commercial loans.
• Independently evaluate complex credit relationships and develop recommendations with minimal guidance.
• Prepare spreadsheets, credit approval packages, credit proposals, financial summaries, and written opinions for loan decision makers.
• Partner with lending teams to support effective credit risk assessment and portfolio management.
• Support the Team Leader role and serve as a backup when needed.
• Maintain compliance with company policies, procedures, security requirements, and applicable government regulations.

Skills

Credit analysis

Financial statements

Tax returns

Cash flows

Credit risk

Excel

Lending systems

Education

Bachelor's degree in related field

Tools

Excel

Word

Lending systems

Job description

More than 135 years ago, we started with core values that never go out of style: listen, learn and help businesses and individuals reach their goals. As well, our financial strength and stability are key reasons Forbes named us one of the Best 100 Banks in America for the ninth consecutive year. With more than $16 billion in assets and 135 branch locations throughout Washington, Oregon, Idaho, and California, we understand our role in the economy and take that responsibility seriously. In addition to offering a source of capital to personal banking clients and businesses of all sizes, we place a high importance on employee volunteerism and donate millions of dollars each year to community organizations.

As a Senior Credit Analyst, you'll play a key role in supporting sound lending decisions by analyzing complex commercial credit relationships and developing well-supported credit recommendations. This is an opportunity to apply your financial expertise, collaborate with lending partners, and help drive the success of our clients while mentoring and supporting team growth.

• Investigate credit and financial information for prospective and existing clients.
• Analyze business and personal financial statements, tax returns, cash flows, collateral support, and repayment sources for new, renewed, and existing commercial loans.
• Independently evaluate complex credit relationships and develop recommendations with minimal guidance.
• Prepare spreadsheets, credit approval packages, credit proposals, financial summaries, and written opinions for loan decision makers.
• Partner with lending teams to support effective credit risk assessment and portfolio management.
• Support the Team Leader role and serve as a backup when needed.
• Maintain compliance with company policies, procedures, security requirements, and applicable government regulations.
• You have a Bachelor's Degree in Accounting, Business, Economics, Law, Computer Science, or a related field (Required).
• You have 4 or more years of experience as a Credit Analyst (Required).
• SBA credit analysis preferred

What helps you shine

• You have strong expertise in analyzing complex financial statements, tax returns, credit information, and cash flow performance.
• You possess deep knowledge of credit investigations, collateral requirements, and commercial lending concepts.
• You demonstrate exceptional analytical and critical thinking skills with a strong understanding of accounting principles.
• You adapt effectively to changing priorities and interruptions while delivering quality results.
• You communicate clearly and professionally, both verbally and in writing.
• You have knowledge of federal and state laws and regulations related to commercial lending.
• You are proficient with Excel, Word, and other business and lending systems.
• You enjoy collaborating with others and sharing knowledge through coaching and mentoring.

Travel

I love the work life balance, knowing that we work hard, and strive for high performance but we are celebrated.

Comprehensive employee benefits

• medical, dental, vision, LTD, STD and life
• Paid vacation time, sick time and 11 company paid holidays
• Tuition reimbursement

Review Banner's employee benefits at: Employee Benefits | Banner Bank

Please take time to review Banner Bank's Consent & Privacy notice before applying.

Banner Bank is an Equal Opportunity Employer committed to diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, marital status, age, disability or protected veteran status.

Banner Bank does not accept unsolicited resumes from agencies and/or search firms for any job postings . Resumes submitted to any Banner Bank employee by a third-party agency and/or search firm without a valid written and signed search agreement, will become the sole property of Banner Bank.