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Job Field: Office Jobs
Location: SEATTLE, WA
Salary: $-
Job Type: Part Time

JOB SUMMARY:

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               <td align="left"><font style="font-size: 100%;">Credit Analyst I/II<BR><BR>Department:<BR>Credit Administration<BR>Location:<BR>Seattle, WA<BR><BR>Develops and analyzes all required financial and credit information. Independently prepares commercial lending packages for commercial loans, including analytical analysis documents and supporting materials. Provides assistance to Commercial Loan Officers or Credit Analyst II as requested. <BR>NATURE AND SCOPE: The primary goal of this position is to support the Loan Officer in credit analysis of commercial loans and loan documentation. <BR>* Develops financial and credit information for use by loan officers or underwriting in the making of lending decisions.<BR>* Performs credit investigation and analysis.<BR>* Establishes and maintains financial files.<BR>* Follows existing credit relationships to ensure compliance with loan conditions and policy.<BR>* Performs other duties, as assigned.<BR>ESSENTIAL DUTIES AND RESPONSIBILITIESinclude the following. <BR>1.  Financial Spreads and Credit Request Presentation.<BR>* Performs financial analysis of borrowers and guarantors. Assist in the preparation of more complex loan packages.<BR>* Understands individual sources and analysis of personal cash flow.<BR>* Analyzes business financial statements including income statements, balance sheets, and fundamental understanding of cash flow statements.<BR>* Completes simpler credit request write-ups and loan renewals to conform to loan policy requirements and information needs of the loan officer and underwriter.<BR>2.  Establishes Credit Files<BR>* Properly documents and processes complex and simpler loans in a timely and accurate manner according to loan type.<BR>* Ensures that follow-up customer information is obtained in a timely manner.<BR>* Establishes signing authority for various lending relationships.<BR>3.  Performs oversight to ensure file completeness and conditions are met on approved credit requests.<BR>* Ensures existing credit relationships adhere to loan conditions and covenants and that all required customer information is obtained in a timely manner. Notifies Loan Officer and Region Manager of any covenant violations.<BR>* Reviews maturing loan report and coordinates with Loan Officer in the notification of the customer for credit renewals.<BR>* Prepares and mails renewal notification letters to customers as requested by the Loan Officer asking for updated credit information and financial statements as necessary.<BR>* Ensures that financial information is complete and signed per loan policy requirements and follow up with loan officer and/or customer for missing or incomplete information.<BR>* Evaluates existing loans for changes in risk and make recommendations to Loan Officer for any risk rating changes.<BR>4.  Performs other duties, as assigned<BR>* Works and coordinates with other credit analysts and loan officers on projects assigned by Management. <BR>Requires Bachelor''s Degree (Finance, Accounting or Economics degree preferred) or equivalent experience and two years experience in credit analysis and loan documentation and processin                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        </font></td>
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