Credit Analyst II

• Perform financial statement spreading, underwriting, and credit analysis for commercial lending and commercial loan portfolio management
• Complete credit memos for new money requests to new and existing borrowers
• Support Portfolio Management by completing annual reviews, renewals, change memos, and modifications
• Prepare timely, high-quality credit analyses and recommendations evaluating credit strengths and weaknesses
• Assess credits and finalize Opportunity Memos for presentation; participate in OM calls
• Analyze financial statements, industry risk, loan structure, and market conditions to assess creditworthiness and repayment ability
• Use financial spreading software and financial analysis tools to evaluate cash flow and repayment sources
• Conduct underwriting, identify credit risks, analyze repayment capacity, and prepare collateral coverage narratives
• Recommend credit structuring, documentation, and risk controls; determine underwriting and due diligence requirements
• Complete underwriting within expected service levels and turnaround times
• Participate in business calls with commercial lending and credit administration teams
• Maintain knowledge of macroeconomic issues in local markets and regional industries
• Maintain data integrity in the underwriting platform
• Manage compliance and audit-related matters within the area of responsibility
• Monitor workflows and procedures and suggest revisions to improve efficiency and minimize expenses
• Identify potential credit losses and mitigate risk
• Use risk-rating models to determine credit request risk ratings
• Evaluate guarantors using personal financial statements and tax returns
• Perform loan covenant testing and update covenant compliance records
• Review loan documentation for accuracy
• Provide training and support for new analysts
• Ensure compliance with Northwest policies, procedures, and Federal/State regulations
• Navigate Microsoft Office, computer applications, and department-specific software
• Work as part of a team and with on-site equipment
• Perform other related duties, projects, special-team assignments, and educational training as assigned

• Bachelor’s degree in business administration, management, accounting, finance, or another related discipline
• 3–5 years of relevant commercial lending or credit administration experience
• Experience specifically related to CRE and C&I lending
• Ability to perform financial statement spreading, underwriting, and credit analysis
• Ability to analyze borrower cash flow, repayment sources, collateral coverage, and credit risk
• Knowledge of commercial credit policy, banking rules, regulations, compliance, and audit matters
• Ability to use financial spreading software, Microsoft Office, computer applications, and department-specific software
• Ability to evaluate guarantors using personal financial statements and tax returns
• Ability to perform loan covenant testing and maintain compliance records
• Ability to review loan documentation for accuracy
• Ability to work with on-site equipment and as part of a team

Demonstrates expertise in financial statement analysis, underwriting, and credit risk assessment within commercial lending. Proficient in using financial analysis tools and maintaining compliance with banking regulations and policies.

• Financial Statement Spreading
• Underwriting
• Credit Analysis
• Commercial Lending Experience
• Compliance Knowledge

• Credit Risk Assessment
• Loan Covenant Testing
• Collateral Coverage Analysis
• Financial Analysis Tools
• Credit Structuring
• Data Integrity Management
• Financial Statement Analysis
• Repayment Capacity Analysis
• Opportunity Memo Preparation
• Credit Memo Completion

• Team Collaboration
• Communication Skills
• Training and Support

• Commercial Lending
• Credit Administration
• CRE Lending
• C&I Lending
• Banking Regulations
• Audit Compliance

• Financial Spreading Software
• Microsoft Office
• Department-Specific Software