Commercial Banking Credit Analyst

1 month ago

Lake Oswego, United States Northwest Bank Full time
Job DescriptionJob DescriptionDescription:

About Northwest Bank

Northwest Bank serves the business and professional communities of Idaho, Oregon, Washington, and Utah. We were founded in 2008 with the belief that banks should partner with their customers to find creative financial solutions that work.

In order to achieve that goal, we need experienced Assistant Relationship Managers on our team. People who share our vision and values, know their customers and work tirelessly to deliver successful financial solutions.


Job Overview

The Assistant Relationship Manager (ARM) supports Relationship Managers (RMs) as a member of the client-facing production team. The ARM conducts credit analysis including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and plays a pivotal role in supporting a designated Relationship Manager (RM) to service existing clients and business development for new clients.


Benefits

  • Competitive Compensation Package
  • Medical, Dental, and Vision
  • Health Savings Account (HSA)
  • Flexible Spending Accounts (FSA)
  • 401(k) plan with company match
  • Generous PTO & Holidays
Requirements:

Essential Duties & Responsibilities

  • Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values; provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards
  • Investigate, interpret and analyze credit reports
  • Develop key discussion points and questions to assist in analyzing loan opportunities
  • Support the Relationship Managers (RMs) and Loan Administrators to close loans
  • Spread and analyze financial statements and information to evaluate existing and projected company cash flow
  • Work with Loan Administration to determine necessary reports (UCC lien searches, title, insurance, appraisals / evaluations, environmental, flood, etc.)
  • Review independent appraisal and collateral exam reports
  • Develop list of key information necessary to support the loan approval process
  • Prepare detailed Credit Memorandums with defined Credit Quality Expectations and within Credit policies and procedures for review and approval
  • Make underwriting recommendations to the Relationship Manager, Market President, and Credit Administration, as appropriate
  • Assist in monitoring loans through timely collection of financial information / tickler management
  • Create and maintain customer files within defined bank standards
  • Attend customer meetings and provide written summary in underwriting and evaluating risk
  • Connect with loan applicants to ensure loan packages are complete
  • Participate in Credit Training to remain current on standards and expectations
  • Review portfolio reports to be informed of work flow, maturing loans (early identification of need for loan extensions), covenant compliance, etc.
  • Analyze/recommend line draws (via Borrowing Base Certificates, Construction Draws, etc.) as requested by RM
  • Support collection of past due accounts
  • Assist with the Know Your Customer (KYC) due diligence and new account onboarding for new clients
  • Assist with customer calls and marketing efforts
  • Maintain knowledge of and compliance with banking regulations


Required Qualifications:

  • Bachelor’s degree in Business, Accounting, Finance, or related area; or equivalent work experience
  • Relevant experience analyzing business financial statements in the context of commercial banking, investment banking, or commercial real estate lending
  • Relevant experience with direct client interaction with businesses providing support related to financial services


Preferred Qualifications:

  • Experience with financial analysis software such as Moodys and Bukers
  • Proficiency using Windows-based operating systems (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis and for high-quality, professional presentations to clients and prospects
  • Thorough understanding of business cash flow and differing legal business structures
  • Experience working in a fast-paced environment where effectively managing multiple tasks and priorities is critical
  • Basic knowledge of risk analysis, economics, accounting, and finance practice
  • Strong relationship-building skills with demonstrated attributes that support a team-based environment
  • Thorough knowledge of lending policies and procedures preferred
  • Effective oral and written communication and time management skills
  • Basic knowledge of deposit and cash management banking products used by lower middle-market companies

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