Credit Analyst

1 week ago

Boise, Idaho, United States WaFd Bank Full time
Job Summary

The Credit Analyst plays a crucial role in providing due diligence and analytical support to the Relationship Officer and Relationship Manager, Director, and Division Manager. This position is responsible for gathering and analyzing credit information on current and potential borrowers, determining the advisability of granting credit for diversified types of loans, and assisting in writing loan requests.

Key Responsibilities
  • Assist in performing pre-qualification assessments 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.
  • Gather data from clients and internal and outside sources, prepare spreadsheets, and analyze financial information, including financial statements and tax returns.
  • Compile data from credit bureaus, conduct industry peer comparisons, and perform cash flow analyses and other such tasks and comparisons.
  • Inform Relationship Officer, Relationship Manager, Director, and Division Manager when up-to-date financial statements are needed for commercial accounts, ensure credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
  • Work with Relationship Officers, Relationship Managers, and Directors to ensure that all portfolio management responsibilities are well documented and maintained in accordance with management expectations.
  • Assist in the review, initial approval, and renewal of credit facilities and provide back-up support. May take primary responsibility for certain credit actions (approvals, renewals) per the guidance of the Relationship Officers, Relationship Manager, Director, or Division Manager.
  • Develop knowledge of relevant industries and economic conditions that impose risk to the client base.
  • Represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business.
  • Reinforce the application of superior client service through his or her own example, along with appropriate follow-through with involved clients and employees.
  • Treat people with respect, keep commitments, inspire the trust of others, work ethically and with integrity, uphold organizational values, and accept responsibility for own actions.
  • Assure compliance with all Bank policies, procedures, and processes and all applicable state and federal banking laws, rules, and regulations; adhere to Bank Secrecy Act (BSA) responsibilities specific to the position.
  • Adhere 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.
  • Complete administrative tasks correctly and on time; support the Bank's goals and values.
Qualifications
  • Bachelor's Degree or approved equivalent combination of education and experience. Work-related experience should consist of commercial financial analysis or a lending background. Educational experience, through in-house training sessions, formal business school, or financial industry-related curriculum.
  • Preferred two to three years' experience in financial and/or credit analysis or related areas.
  • Experience, knowledge, and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial, and/or credit analysis or related areas.
  • Strong knowledge of commercial, construction, and real estate credit analysis.
  • 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.
  • 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.
Benefits
  • Paid time off for vacation, sick days, and holidays.
  • Health insurance.
  • Stock options.
  • Bonus programs.
  • Generous 7% 401(k) employer matching.
  • Paid Parental Leave.
  • Life and AD&D insurance.
  • Long-term disability.
  • Tuition Reimbursement.
  • Employee assistance programs.
  • Pre-tax health and dependent-care spending plans.

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