• Credit Analyst

    Zions Bancorporation (Seattle, WA)


    At the Commerce Bank of Washington , we believe that delivering exceptional service to our clients is the single most important function we perform in our role as bankers.  We are dedicated to enriching professional, nonprofit and business organizations by providing them and their principals with highly personalized banking and financial services from experienced bankers committed to long-term banking relationships.

     

    The Commerce Bank of Washington is seeking a proven, highly motivated, analytical, and articulate individual to fill our Credit Analyst role in Seattle, WA .

    Essential Functions:

    + Conducts credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to Community Banking commercial loans

    + Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches

    + Responsible to understand 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 creditworthiness 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 1+ years credit/financial analysis, lending, underwriting or other directly related experience. A combination of education and experience may meet job requirements

    + Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles

    + Some experience working with various types of loans

    + Basic working knowledge of credit risk, legal and regulatory requirements

    + Ability to work with lending officers and staff

    + Good 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:

    + Medical, Dental and Vision Insurance – START DAY ONE!

    + Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance

    + Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts

    + Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays

    + 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience

    + Mental health benefits, including coaching and therapy sessions

    + Tuition Reimbursement for qualifying employees

    + Employee Ambassador preferred banking products

     

    This position is eligible to earn a base salary in the range of $78,000 - $96,000 annually depending on job-related factors such as level of experience.

     

    Req ID: 067339

    Equal Opportunity Employer

    It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.

     

    If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at (801) 844-7628, Mon.-Fri. between 9 a.m. - 5 p.m. MST.

     

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