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

Banner Bank; Idaho Falls (ID); Remote; USD 80,000 - 110,000; Full time

Benefits offered by this job

Medical, dental, vision, LTD, STD and

Life insurance

Paid vacation, sick time & 11 holidays

Tuition reimbursement

Job summary

Banner Bank is seeking a Senior Credit Analyst to analyze complex commercial credit relationships and provide well-supported credit recommendations. You will collaborate with lending partners, analyze financial statements, and mentor junior team members.

The role requires a bachelor's degree in a related field and 4+ years of credit analysis experience, with SBA credit analysis preferred. Strong Excel and lending-system skills are essential for success.

Qualifications

• Bachelor's degree in accounting, business, economics, law, computer science, or related field required.
• 4+ years of experience as a credit analyst required.
• 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, and repayment sources for loans.
• Independently evaluate complex credit relationships and develop recommendations with minimal guidance.
• Prepare spreadsheets, credit approvals, proposals, financial summaries, and written opinions for loan decision makers.
• Partner with lending teams to support credit risk assessment and portfolio management.
• Support Team Leader role and serve as backup when needed.
• Maintain compliance with company policies, procedures, security requirements, and regulations.

Skills

Financial statement analysis

Credit risk assessment

Written & verbal communication

Regulatory knowledge

Mentoring & coaching

Education

Bachelor's Degree in Accounting, Business, Economics, Law, Computer Science, or 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.

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

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.