Position SummaryAs a Credit Analyst, you will partner closely with Commercial Relationship Managers and experienced credit professionals to evaluate credit opportunities and support sound lending decisions. You will analyze financial information, assess borrower risk, prepare credit presentations and financial models, and contribute to the ongoing monitoring of commercial loan relationships. This role offers the opportunity to develop deep commercial credit expertise while working directly with local decision-makers and relationship teams.
LocationTacoma Financial Center950 Pacific Avenue, Suite 105
Tacoma, WA 98402
Onsite work required. Hybrid work option available.
Essential Functions- Partner with Relationship Managers to analyze credit requests, assess risk ratings, support problem loan reporting, and complete other credit administration requirements.
- Review business financial statements, tax returns, and other financial information to evaluate borrower performance and creditworthiness.
- Prepare written credit authorizations and recommendations in accordance with Bank policies and procedures.
- Develop financial models, projections, and customized spreadsheets to analyze commercial borrowers and prospects.
- Prepare financial statement spreads and presentation materials used in credit analysis and loan decisions.
- Monitor existing credit relationships to ensure required documentation, covenant compliance, and ongoing risk assessments are completed.
- Perform compliance and risk management responsibilities as required.
- Support department projects and initiatives as assigned.
- Maintain regular and reliable attendance.
Qualifications- Three or more years of commercial credit analysis and underwriting experience.
- Strong accounting and financial statement analysis skills.
- Demonstrated analytical thinking and problem-solving ability.
- Experience building and working with financial models and advanced Excel-based analysis tools.
- Understanding of commercial lending practices, loan structures, and credit policy.
- Ability to manage multiple priorities while maintaining a high level of service and accuracy.
- Excellent written and verbal communication skills.
- Strong interpersonal skills with the ability to collaborate effectively across teams and business lines.
- Self-motivated with the ability to work independently while contributing to a team environment.
- Proficient with Microsoft Office products and other business applications.
Compensation: This position is eligible to participate in an applicable annual bonus plan.
Credit Analyst II: $76,972 - $115,458
Credit Analyst III: $88,160 - $132,315
The compensation range represents the low and high end of the base compensation range for this position located in Tacoma, Washington. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance.
What Our Culture Can Offer You:
Our benefit philosophy is to provide you with a comprehensive package to secure your overall wellness and help you become and remain a fulfilled and productive employee. Our benefits include Health, Financial, Retirement and Work/Life Benefits. We are proud to share an overview of our benefits HERE as part of your total compensation.
