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Credit Analyst

2 months ago

Everett, Washington, United States Heritage Bank Full time
Job Title: Credit Analyst

We are seeking a skilled Credit Analyst to join our team at Heritage Bank. As a Credit Analyst, you will play a critical role in assisting Commercial Bankers in underwriting credits, portfolio management, maintenance, and customer service for an assigned portfolio of commercial accounts.

Key Responsibilities:
  • Assist in the preparation of financial statements, cash flow analysis, and collateral evaluation for commercial loan requests.
  • Conduct thorough analysis of creditworthiness, including review of financial statements, tax returns, and other relevant information.
  • Develop and maintain relationships with commercial clients, providing exceptional customer service and responding to their needs and inquiries in a timely and accurate manner.
  • Collaborate with Credit Administration to negotiate structuring, pricing, and edits needed to highlight and mitigate credit risks.
  • Track loan agreement compliance, covenant monitoring, borrowing base certificates, and financial reporting, ensuring timely and accurate follow-up.
Requirements:
  • High School Diploma or equivalent required; Bachelor's degree in Business Administration, Finance, Economics, Marketing, or relevant discipline preferred.
  • Level I: 1 year of recent experience in commercial lending support and/or credit analyst role; Level II: 3-5 years of recent commercial credit underwriting experience.
  • Excellent analytical and problem-solving skills, with strong attention to detail and ability to work under pressure.
  • Proficient use of MS Office products, with ability to learn and adapt to new technologies quickly.
Working Environment:

Climate-controlled office environment with occasional exposure to outdoor weather conditions. Regular attendance, punctuality, and adherence to agreed-upon schedule required.

Heritage Bank is an Equal Opportunity Employer. The base salary range represents the minimum, midpoint, and maximum of Heritage Bank's salary range for this position. Actual salaries will vary depending on factors including, but not limited to, qualifications, experience, and job performance.