Senior Credit Analyst

Job not on LinkedIn

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $33 - $50 / hour

⏰ Full Time

🟠 Senior

🧐 Analyst

👻 Ghost score 0%

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Seattle Credit Union

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 1933

🏦 Banking

💸 Finance

👥 B2C

Banking • Finance • B2C

Seattle Credit Union is a financial institution providing a wide range of banking services for both personal and business needs. It offers checking and savings accounts, credit cards, various loan options including home and business loans, investment services, and resources for financial education. Seattle Credit Union prioritizes community impact through volunteerism and partnerships and offers innovative loan programs with low down payments. Established in 1933, it serves the dynamic Seattle community with a focus on growth and prosperity. Members benefit from competitive rates, fewer fees, and a member referral program that rewards referrals.

📋 Description

• Underwrite prospective commercial loans • Complete construction draw requests • Support completion of the Annual Term Loan Review process • Prepare credit memorandums with supporting documentation for business-loan approval • Review borrower and guarantor documentation for alignment with loan approval and Loan Policy • Analyze financial documents using trend analysis, ratio analysis, cash flow analysis, industry averages, and macro/industry trends • Analyze pledged collateral for compliance with internal loan policy and industry best practices • Provide written overviews of findings from prospective borrower and guarantor financial-document analysis • Work closely with the Senior Credit Officer on the participated loan portfolio • Collaborate with the Senior Credit Officer to refine loan policy and procedures • Develop or refine reports and tracking mechanisms for monitoring the commercial loan portfolio • Track Annual Term Loan Review completion and monitor loan covenants • Work with Loan Officers to obtain required financial reporting from existing borrowers • Mentor and support the Junior Credit Analyst • Collaborate with team members to meet short-term goals and long-term objectives • Communicate professionally with internal and external stakeholders • Support team initiatives, projects, and process improvements

🎯 Requirements

• Bachelor’s degree in business, Finance, Accounting or related field strongly preferred • Minimum of five (5)+ years of experience in commercial banking • Minimum of five (5)+ years direct credit analysis and commercial underwriting experience • Proficiency with Microsoft Office applications (Outlook, Word, Excel, PowerPoint) • Experience reading 3rd-party commercial appraisal reports, Environmental Phase I reports, Title Insurance Commitments and Policies, and insurance documentation • Current knowledge of state and federal regulations concerning Member Business Lending • Excellent written, verbal, and interpersonal communication skills • Excellent customer service skills • Collaborative relationship-building skills across the organization • Decisiveness, integrity, flexibility, and critical thinking • Ability to advance efficiencies and engage opportunities that advance automation • Regular and punctual attendance • Completion of a formal commercial credit analysis training program from ABA, Moody’s or RMA preferred, including the Credit Risk Certification designation or similar • Experience with nCino Loan Origination System preferred • Community bank or credit union background and experience preferred • Routine access to a quiet space from which to work • Candidates throughout the US time zones may apply

🏖️ Benefits

• Employee-paid medical benefits • 401(k) matching, with a dollar-for-dollar employer match up to 5% • Low-cost medical contributions • Zero contributions for dental and vision plans • Generous paid time off • Paid time off for volunteering • Paid time off to celebrate your birthday • Opportunities for employees to learn and grow • Inclusive work culture