Credit specialist [h1.location_city]

divh2Senior Credit Analyst / h2pThe Senior Credit Analyst is responsible for providing due diligence and analytical support to the Relationship Officer and Relationship Manager, Director and Division Manager. The Senior Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists Relationship Officers, Relationship Managers, Directors and the Division Manager in writing loan requests; promotes business for the Bank by maintaining good client relations and referring clients to appropriate staff for new services. The Senior Credit Analyst will be able to independently interact with clients and prospects to perform all due diligence necessary to extend credit, write up a credit submission, orally present the merits of a credit request and obtain credit approval. / ppWaFd Bank is proud of the high value that we all place on simply being kind when serving our co-workers and clients. / ppAssists Relationship Officers, Relationship Managers and Directors in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within the framework of the Banks credit culture and current economic and industry trends. / ppAssists Relationship Officers, Relationship Managers and Directors in gathering data from clients and internal and outside sources; prepares spreadsheets and analyzes financial information, including financial statements and tax returns; contacts clients for additional information and clarification of data. / ppCompiles data from credit bureaus, conducts industry peer comparisons and performs cash flow analyses and other such tasks and comparisons. / ppInforms Relationship Officer, Relationship Manager, Director and Division Manager when up-to-date financial statements are needed for commercial accounts; ensures credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved. / ppWorks with Relationship Officers, Relationship Managers and Directors to ensure that all portfolio management responsibilities are well documented and maintained in accordance with management expectations. / ppAssists Relationship Officers, Relationship Managers and Directors in the review and renewal of credit facilities and provides back-up support. May take primary responsibility for certain credit actions (approvals, renewals) per the guidance of the Relationship Manager, Director or Division Manager. / ppDevelops knowledge of relevant industries, as well as economic conditions (i.e. interest rates, asset values, competition, market conditions, etc.) that impose risk to the client base. / ppRepresents the Bank in various community, civic, and community reinvestment functions to further enhance the Banks image and develop additional business. / ppReinforces the application of superior client service through his or her own example, along with appropriate follow-through with involved clients and employees. / ppTreats people with respect, keeps commitments, inspires the trust of others, works ethically and with integrity, upholds organizational values and accepts responsibility for his or her own actions. / ppEnsures compliance with all Bank policies, procedures and processes and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities specific to the position. / ppAdherence 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. / ppCompletes administrative tasks correctly and on time; supports the Banks goals and values. / ph2Qualifications / h2pEducation / Skills / Training : / ppBachelors 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. / ppPreferred five to seven years experience in financial and / or credit analysis or related areas. / ppExperience, 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. / ppStrong knowledge of commercial, construction and real estate credit analysis. / ppAbility to analyze and interpret general business periodicals, professional journals and technical procedures. / ppAbility to effectively present information and respond to questions from diverse groups, including managers, customers and members of the general public. / ppProficient in Microsoft Office suite (Word, Excel and PowerPoint). / ppStrong typing skills to meet production needs of the position. / ppStrong math skills. / ppEffective verbal, written and interpersonal communication skills, ability to write reports and correspondence and speak clearly to customers and employees. / ppAbility 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. / ppExcellent organizational and time management skills. / ppAbility to work with minimal supervision while performing duties. / ph2Benefits / h2pAt WaFd Bank you get all of these great benefits! / ppPaid time off for vacation, sick days and holidays / ppHealth insurance / ppStock options / ppBonus programs / ppGenerous 7% 401(k) employer matching

• / ppPaid Parental Leave / ppLife and ADD insurance / ppLong-term disability / ppTuition Reimbursement / ppEmployee assistance programs / ppPre-tax health and dependent-care spending plans / ph2EEO Statement / h2pWe are committed to Equal Employment Opportunity and Affirmative Action. We recruit, hire, train and promote persons in all job titles and ensure that all other personnel actions are administered without regard to race, color, religion, sex, sexual orientation, gender identity, military and / or veteran status, or disability in accordance with Executive Order 11246, Section 503 of the Rehabilitation Act of 1973, as amended, and the Vietnam Era Veterans Readjustment Assistance Act of 1974, which require affirmative action to ensure equal opportunity in all aspects of employment. WaFd Bank does not discriminate on the basis of national origin or citizenship status as provided under the Immigration Reform and Control Act of 1986, or any other Federal or State legally-protected classes. WaFd Bank is committed to providing reasonable accommodations to employees and applicants with disabilities to the full extent required by the Americans with Disabilities Act (ADA). If you feel you need a reasonable accommodation pursuant to the ADA, you are encouraged to contact us at 800.324.9375 / ppEEO Policy Statement - WaFd Bank / ppKnow Your Rights : Workplace Discrimination is Illegal - click here for more information / ppCalifornia Consumer Privacy Act- CCPA 2025 / p / div