Senior Credit Analyst (Remote - WA, OR & ID)

Job description

More than 135 years ago, we started with core values that never go out of style: listen, learn and help businesses and individuals reach their goals. These core values shape our culture, and we were recently **Great Place to Work Certified** because of our outstanding workplace culture and employee experience. As well, our financial strength and stability are key reasons Forbes named us one of the **Best 100 Banks in America** for the ninth consecutive year. With more than $16 billion in assets and 135 branch locations throughout Washington, Oregon, Idaho, and California, we understand our role in the economy and take that responsibility seriously. In addition to offering a source of capital to personal banking clients and businesses of all sizes, we place a high importance on employee volunteerism and donate millions of dollars each year to community organizations. As a Senior Credit Analyst, you'll play a key role in supporting sound lending decisions by analyzing complex commercial credit relationships and developing well-supported credit recommendations. This is an opportunity to apply your financial expertise, collaborate with lending partners, and help drive the success of our clients while mentoring and supporting team growth. ### In this role you'll - Investigate credit and financial information for prospective and existing clients. - Analyze business and personal financial statements, tax returns, cash flows, collateral support, and repayment sources for new, renewed, and existing commercial loans. - Independently evaluate complex credit relationships and develop recommendations with minimal guidance. - Prepare spreadsheets, credit approval packages, credit proposals, financial summaries, and written opinions for loan decision makers. - Partner with lending teams to support effective credit risk assessment and portfolio management. - Support the Team Leader role and serve as a backup when needed. - Train, mentor, and support the development of new team members. - Maintain compliance with company policies, procedures, security requirements, and applicable government regulations. ### What we're looking for - You have a Bachelor's Degree in Accounting, Business, Economics, Law, Computer Science, or a related field (Required). - An equivalent combination of education and experience can be considered in lieu of a degree. - You have 4 or more years of experience as a Credit Analyst (Required). - SBA credit analysis preferred ### What helps you shine - You have strong expertise in analyzing complex financial statements, tax returns, credit information, and cash flow performance. - You possess deep knowledge of credit investigations, collateral requirements, and commercial lending concepts. - You demonstrate exceptional analytical and critical thinking skills with a strong understanding of accounting principles. - You can manage a high volume of work while maintaining accuracy in a fast-paced, deadline-driven environment. - You adapt effectively to changing priorities and interruptions while delivering quality results. - You communicate clearly and professionally, both verbally and in writing. - You have knowledge of federal and state laws and regulations related to commercial lending. - You are proficient with Excel, Word, and other business and lending systems. - You enjoy collaborating with others and sharing knowledge through coaching and mentoring. ### Travel - 0% ### Our Company Values - Do the right thing - Mutual respect - Teamwork - Accountability ### What Our Team Says "I have the opportunity to learn and grow every day in my current role. I love the work life balance, knowing that we work hard, and strive for high performance but we are celebrated." ### Compensation & Benefits - Targeted starting salary range (based on experience): $$88,657- $104,303 - Annual incentive potential - Comprehensive employee benefits, including: medical, dental, vision, LTD, STD and life - Paid vacation time, sick time and 11 company paid holidays - 401k (with up to 4% match) - Tuition reimbursement