Credit Analyst

22 hours ago

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

We are seeking a highly skilled Credit Analyst to join our team at Heritage Bank. As a Credit Analyst, you will be responsible for 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.
  • Analyze financial and other information to complete file memos or written analysis to document trends and report on loan agreement violations.
Requirements:
  • High School Diploma or equivalent required; Bachelor's degree in Business Administration, Finance, Economics, Marketing, or relevant discipline preferred.
  • Level I: 1 year recent experience in commercial lending support and/or credit analyst role; Level II: 3-5 years of recent commercial credit underwriting experience.
  • Excellent communication, analytical, and problem-solving skills, with the ability to work independently and as part of a team.
  • Proficient use of MS Office products, with the 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.

Physical Demands:

Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner, and facsimile, with occasional lifting of 10-15 lbs. of files, boxes, etc.

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