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Credit Analyst
Zions Bancorporation
Seattle, WA, United States
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Description
The Commerce Bank of WA in Seattle is hiring for a Credit Analyst in downtown Seattle. # 042143
This Credit Analyst will do the following:
• Conducts credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to loan analysis.
• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• May meet with and interviewing customers to develop a strong understanding of the loan request and the business relationship ensures the accuracy and completeness of financial information received for loan renewals.
• Analyzes financial statements and related material and makes recommendations for approvals of credits.
• Analyzes financial conditions and trends; reviews and reports non-compliance with loan covenants.
• Determines cash flow using appropriate tax analysis.
• Prepares summaries, presents facts, and offers opinions concerning credit-worthiness and any risk items or issues.
• Provides credit information and references for customers, loan officers, or other agencies as requested.
• Ensures that all credit files include current financial statements, agency reports, etc.
• May make recommendations for loan structure.
• Maintains control over current accounts, noting payment progress, watching for any developing problems, and keep loan officers informed.
• Keeps abreast of all new credit regulations and laws and ensures compliance with such.
• May assists with projects as needed.
• Other duties as assigned.
Qualifications
• Requires a Bachelor's in finance, business, accounting or a related field and 4+ years credit/financial analysis, lending, underwriting or other directly related experience.
• A combination of education and experience may meet job requirements.
• Extensive knowledge of financial and spread analysis, credit, lending and underwriting processes and principles.
• Solid experience working with various types of loans.
• Extensive knowledge of credit risk, legal and regulatory requirements.
• Ability to work with lending officers and staff.
• Strong client relationship and communication skills, both verbal and written.
• Ability to make sound decisions and recommendations regarding loans.
• Working knowledge of computer software programs including spreadsheets, word processing, etc. required.
Benefits:
• Health / Dental / Vision plan / HSA
• Career advancement opportunities from within / paid training opportunities
• 401 k plan with up to 5 % matching – no waiting period for new employees
• Competitive pay commensurate with experience
• Commuter transportation options available
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