Credit Analyst II

• Pay or shift range: $80,000 USD to $100,000 USD
  The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.

Join our team! 1st Security Bank team members deliver service that  WOWs  each other and our customers. We value relationships, teamwork, community, and professional growth in a safe, friendly, and progressive workplace. We celebrate diversity and support equality for all. If you share these core values and are committed to career excellence, let us help you reach your dreams!

If you are the type of individual that would enjoy working at one of the
Puget Sound's Best Places to Work for 10 years in a row
and focuses on providing an exceptional client experience, then 1st Security Bank is the place for you. 1st Security Bank was named a bronze medal winner in its class in the Puget Sound Business Journal's Best Workplaces contest in its first year nominated and is also consistently rated a 5-star Bank in Washington State by Bauer Financial, an independent bank rating firm.

Responsible for effectively conducting credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers and portfolios. You will work closely with and assist your respective Team Leader and Relationship Managers with analysis and underwriting of new loan applications and portfolio management. You will apply your strong credit skills to structure loans with moderate to high complexity, while balancing loan growth with strategic risk management to ensure default risk is appropriately mitigated.

You will also utilize your excellent organization skills with continual monitoring of the loan portfolio to ensure credit files are complete and well-maintained and notifying the Relationship Manager, Team Leader and the CCO of any potential adverse information and financial trends.

• Prepare and present credit requests to Team Leader, Relationship Managers, Credit Administration and loan committee for use in support of lending decisions on new loans, renewals of existing credit, and increased exposure to existing Clients.
• Maintain control over credit standings of accounts and furnish information relative to credit inquiries, as appropriate.
• Knowledge of commercial, construction and real estate credit analysis.
• Able to demonstrate moderate to superior skills in financial statement spreading and the evaluation of projections.
• Manage loan and portfolio credit quality through annual and quarterly covenant, risk rating and trend analysis.
• Gather and analyze credit information on current and potential borrowers including preparation of financial statement spreads for borrowers and guarantors.
• Assess liquidity, leverage, cash flow and contingent liabilities of businesses and individuals.
• Make joint calls on customers and prospects.
• Recommend loan structures and prepare loan approval memorandums for new and existing clients, with minimal oversight by Team Leader, Relationship Managers and Credit Administration.
• Work in concert with Credit Administration, Relationship Managers and Team Leader to organize and manage a tickler system on all loan relationships.
• Contact borrowers to obtain updated financial information to ensure quality of documentation within files.
• Ability to instruct / teach others how to perform tasks.
• Ability to prioritize and meet deadlines.
• Ability to work well in a team environment that promotes inclusiveness and communication among team members.
• Manage special projects as assigned including, but not limited to,…