Credit Analyst II/III

Location: Bellevue Financial Center: 10500 NE 8th Street Suite 1100 Bellevue, WA 98004 Onsite work required.
Position is not remote eligible.
Assists Relationship Managers (RM) in the credit analysis and evaluation process of existing and potential loan customers.
With direction as necessary, prepares written credit authorizations, spreads business financial statements, and prepares personal cash flow worksheets and reviews financial projections and automated spreadsheets for analyzing commercial borrowers and prospects.
Requires applicable college-level coursework in accounting or finance or equivalent related work experience.
Essential Functions Support commercial, private banking, and construction teams with underwriting for various loans including commercial, CRE, construction, and consumer loans.
Assists RM in credit analysis, assessment of risk rating, problem loan reporting and other credit administration requirements.
Reviews and evaluates business financial reports, prepares written credit authorizations pursuant to Bank policy and ensures proper monitoring and documentation are reviewed.
Prepares financial projections and customized automated spreadsheets for analyzing commercial borrowers and prospects.
Develops financial models based upon customized financial formats.
Prepares financial statement presentations for analyzing business borrowers.
Performs compliance and risk management duties as required or assigned.
Responsible for the following loan servicing activities including but not limited to: Requesting commercial Laser Pro loan documentation, Collaborate with RM with collateral lien perfections, Participate in CRE closing and working with title and escrow.
Monitor and reconcile monthly borrowing base certifications.
Assists with other department duties and projects, as requested by team lead.
Requirements College-level course work, preferably in Accounting, Finance, Business or related field.
Strong accounting aptitude.
Demonstrated analytical/problem solving ability.
Experience with computer assisted financial analysis and PC-based financial models; knowledge of spreadsheet applications (Microsoft Excel, etc).
Strong knowledge of Bank loan policies and general commercial documentation requirements.
Ability to prioritize assignments and handle multiple priorities while maintaining a high level of service to both internal and external clients.
Excellent interpersonal skills; ability to collaborate with and work effectively with diverse groups of people Outstanding verbal and written communication skills, including grammar, correspondence abilities, etc.
Organizational and analytical skills, strategic thinking and ability to work collaboratively or independently.
Proficient PC and technical skills to navigate software, including the Microsoft Office Suite of products, word processing, spreadsheets, database, desktop information management, Internet, and related applications.
Demonstrated self-motivation and initiative; ability to work well both independently and with others.
Salary Range: Credit Analyst II- $74,407- $111,611 Credit Analyst III- $85,222-$127,905 The compensation range represents the low and high end of the base compensation range for this position located in Bellevue, Washington.
Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance.
This position is eligible to participate in an applicable annual bonus plan.
What Our Culture Can Offer You: Our benefit philosophy is to provide you with a comprehensive package to secure your overall wellness and help you become and remain a fulfilled and productive employee.
Our benefits include Health, Financial, Retirement and Work/Life Benefits.
We are proud to share an overview of our benefits HERE as part of your total compensation.
Washington Trust Bank celebrates diversity in the workplace and actively recruits talent to help reflect the unique communities where we live and work.
We are proud to be an equal opportunity employer and prohibit discrimination or harassment based on race, religion, sex, gender identity, sexual orientation, national origin, age, pregnancy, disability, genetic information and any other protected characteristics outline by state, federal and local laws.
We believe strength comes from the diverse backgrounds and experiences of our team, and we are dedicated to fostering a supportive and inclusive work environment.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.
However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information.
41 CFR 60-1.
35(c)