Credit AnalystHireQuestNW • Spokane, WA, US
Credit Analyst
HireQuestNW • Spokane, WA, US
[job_card.30_days_ago]
[job_preview.job_type]
- [job_card.full_time]
[job_card.job_description]A bachelors degree, with a strong credit background and a minimum of three to five years of commercial banking and lending experience, with an industry specialization preferred (law firms, accounting firms, private equity, entertainment and / or non-profits) An established network of business clients, prospects, and referral sources Excellent credit skills Outstanding communication skills The desire to provide extraordinary internal and external service The ability to think critically and independently as a proactive problem solver An orientation toward being a team player, providing extraordinary service Able to review and analyze data reports and manuals; must be computer proficient Able to communicate effectively via telephone and in person C&I : lines of credit based on cash flow of company CRE : loan secured by commercial real estate Owner occupied : a real estate loan for a business owner that occupies said real estate. This is not counted as CRE to feds. Clarify if lender / bank counts it toward C&I or CRE numbers. Investor : commercial real estate to be purchased by a developer to sell or rent Credit concentrations : the amount of portfolio in each specific area. Bestcashcow.com shows multi-family, construction, investor, farm, mortgage, credit card, consumer / auto, SBA percentages of portfolio. MF : multi-family complex loans, e.g., apartments Construction : financing of building out a building. TM : treasury management. This is a person who facilitates gathering deposits through specialty products. SBA : Small business administration secured loans. Designed to help disadvantaged and underserved communities thrive. BoB, Portfolio : BoB is book of business, also known as a portfolio. This the sum of all borrowers and depositors at any given time. Example, 50 clients and a $40mm BoB, with $80mm in deposits. Volume : What is the total amount of loans underwritten and approved in a calendar year?
Job Description
Job Description
Salary : Job Description
As a team member of commercial lending you will work directly with commercial lenders and clients to identify their banking needs and financial goals in order to deliver tailored solutions for their businesses, as well as their personal banking and wealth management needs. You will work within a dynamic team environment with Business Bankers and the Business Banking Department in evaluating, underwriting, monitoring and maintaining the overall credit quality of new and existing loan facilities.
What youll do as a Credit Analyst :
- Underwrite high-quality credit narratives in support of new and existing loans, which includes analyzing multi-year trends and ratios from financial information, understanding cash flow, performing collateral analysis, running credit reports and analyzing KYC information.
- Work closely with Business Bankers, Commercial Loan Operations, Outside Counsel and the client to document and close loans thoroughly and swiftly.
- Research industry trends and risks.
- Create, maintain and monitor all loan and credit files at the highest quality, which entails monitoring existing credit facilities for financial and reporting covenant compliance, detecting early warning signs that could lead to a potential default, monitoring underperforming loans and evaluating proper loan risk ratings.
- Assist the Business Banker on all levels of the business banking relationship to ensure the client receives exceptional service.
- Identify cross-sell opportunities.
- Lead special projects as needed.
Qualifications
You could be a great fit if you have :
Definitions and Acronyms
Next Steps : If this sounds like something you would like to learn more about, please reach out to me, Kim Post, for a confidential conversation. I can be reached at (360) 745-1184 or kim@julisonsell.com. Apply Now!
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Credit Analyst • Spokane, WA, US
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