MinUSD $82,400.00/Yr.
MaxUSD $123,600.00/Yr.
Job SummaryThe Senior Credit Analyst is responsible for providing due diligence, analytical, and underwriting support to the division's Relationship and Portfolio Managers as assigned. The Senior Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of asset classes; assists Relationship and Managers as well as Regional Directors in writing loan request narratives and ongoing portfolio maintenance to include, but not limited to, covenant compliance monitoring. Additionally, the Senior Credit Analyst will promote business for the Bank by maintaining good client relations and referring clients to appropriate staff for new services. The Senior Credit Analyst will independently interact with clients and prospects to perform all due diligence necessary to extend credit, write up a credit submission, communicate with regional credit authorities and is equipped to present the merits of a credit request in presentation format for the purposes of obtaining credit approval. Additionally, the Senior Credit Analyst will serve as a mentor and training partner for more junior credit analysts throughout the Division.
- Assists the Commercial Real Estate Teams in performing pre-qualification assessment, financial spreads and analysis of financial condition and risk of financing requests within the framework of the Bank's credit culture and current economic and industry trends.
- Assists the Commercial Real Estate Teams in gathering data from clients and internal and outside sources; prepares spreadsheets and analyzes financial information, including financial statements and tax returns; contacts clients for additional information and clarification of data.
- Compiles data from credit bureaus, conducts industry peer comparisons and performs cash flow analyses and other such tasks and comparisons.
- Informs appropriate lending officers when up-to-date financial statements are needed for commercial accounts; ensures credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
- Works with Commercial Real Estate Teams to ensure that all portfolio management responsibilities are well documented and maintained in accordance with management expectations.
- Assists Commercial Real Estate Teams in the review and renewal of credit facilities and provides back-up support. May take primary responsibility for certain credit actions (approvals, renewals) per the guidance of the applicable submitting officer.
- Develops knowledge of relevant industries, as well as economic conditions (i.e. interest rates, asset values, competition, market conditions, etc.) that impose risk to the client base.
- Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business.
- Reinforces the application of superior client service through his or her own example, along with appropriate follow-through with involved clients and employees.
- Treats people with respect, keeps commitments, inspires the trust of others, works ethically and with integrity, upholds organizational values and accepts responsibility for his or her own actions.
- Ensures compliance with all Bank policies, procedures and processes and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities specific to the position.
- Adherence to bank policies and procedures designed to comply with Federal regulations, including but not limited to the Bank Secrecy Act, USA Patriot Act and OFAC regulations.
- Completes administrative tasks correctly and on time; supports the Bank's goals and values.
Qualifications- Strong experience, knowledge and training in fully underwriting complex and sophisticated commercial real estate projects, both at stabilization and especially for ground-up construction. Underwriting land development projects and having a keen understanding of homebuilder finance construction projects is also desired.
- Strong experience, knowledge and training in both corporate and personal financial statement / tax return analysis, typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
- Bachelor's Degree or approved equivalent combination of education and experience. Work-related experience should consist of commercial financial analysis, homebuilder finance, or a commercial lending background. Educational experience, through in-house training sessions, formal business school or financial industry related curriculum.
- A minimum of five years of experience in both commercial credit analysis and full project underwriting, or related areas. Current responsibilities in a senior-scoped role are desired.
- Ability to analyze and interpret general business periodicals, professional journals and technical procedures.
- Ability to effectively present information and respond to questions from diverse groups, including managers, customers and members of the general public.
- Experience in utilization of nCino Commercial Loan Origination System is desired.
- Proficient in Microsoft Office suite (Word, Excel and PowerPoint).
- Strong typing skills to meet production needs of the position.
- Strong math skills.
- Effective verbal, written and interpersonal communication skills, ability to write reports and correspondence and speak clearly to customers and employees.
- Ability to deal with normal problems involving multiple facets and variables in non-standardized situations and apply common sense in carrying out instructions and solving problems.
- Excellent organizational and time management skills.
- Ability to work with minimal supervision while performing duties.
BenefitsAt WaFd Bank you get all of these great benefits!
- Paid time off for vacation, sick days and holidays
- Health insurance
- Stock options
- Bonus programs
- 401(k) plan
- Paid Parental Leave
- Life and AD&D insurance
- Long-term disability
- Tuition Reimbursement
- Employee assistance programs
- Pre-tax health and dependent-care spending plans
WaFd Bank Benefits Summary - Click here for more information
Requisition Post Information* : Posted Date7/8/2026
