Commercial Credit Analyst

About Baker Boyer

Baker Boyer is the oldest independently owned community bank in the Pacific Northwest. It serves the Walla Walla, Kennewick, and Yakima communities with seven branches, providing wealth management as well as personal and business banking services.

• Commercial Credit Analyst – $62,487 – $85,921 a year
• Great Benefits! Medical, Dental, Vision plans plus AD&D & Life Insurance and Long Term Disability
• 401(k) – 100% safe harbor match up to 6% and profit‑sharing up to 12% of annual salary
• 10 days of Vacation – accrual increases by a day each year for the first 10 years and a half day for the next 10 years, max 25 days at year 20
• 7 days of Sick, Safe & More (SSMORE) – accrues 1.2 hours per 40 hours worked, can be used for vacation or personal leave
• 3 Revive & Renew (R&R) days – loaded on the first of each year (prorated for new hires)
• 11 Paid Federal Holidays annually
• Life Assistance Plan
• Free access to financial counselors
• Employee Wellness Program
• 8 hours of paid volunteer time annually

The Commercial Credit Analyst partners with Business Advisor(s) by assisting in obtaining relevant credit and financial data used in evaluating the credit worthiness of a client, analysis of financial information, and credit management decisions for business banking loan types including commercial, dealer, and agricultural borrowers. The Analyst produces comprehensive and objective credit analysis of borrowers through the review, spreading and trend comparison of financial reports and assists the Business Advisor in making an informed credit decision.

The Analyst must be able to identify potential risks of the credit using acceptable trend analysis generated by various tools, spreadsheets, and Financial Analyzer. The Analyst must clearly and concisely communicate such analysis to the Business Advisor and bank management in the form of loan write‑ups and other such reports and determine the appropriate mitigation of such risks.

• Spreads and analyzes monthly, quarterly, and annual financial information, prepares spreadsheets, calculates ratios, and prepares budgets and projections of borrowers to determine capacity to repay debt.
• Prepares well‑written loan requests for the Business Advisor and lending management summarizing borrower’s loan request, officer recommendations, analysis of proposed collateral, financial trends, and provides a recommendation that matches borrower’s ability to repay.
• Works with the Business Advisor to gather detailed data on borrower, history, management experience, industry, and other necessary facts to prepare a complete and high‑quality loan report. May assist in presenting loan report to underwriting and approving managers.
• Reports, tracks and maintains financial monitoring and covenant system for Business Advisors using Info Access covenant tracking system. Works with clients and Business Advisors to collect financial reports and data.
• In conjunction with the Business Advisor(s), the Analyst helps identify problem credits, and assists in the decision to make a recommendation so that credits may be placed on the bank’s problem asset list and a solid management plan may be initiated.
• Assists and provides back‑up support to Business Banking Advisors with respect to managing business banking clients.
• Partners with Business Advisors to achieve the credit needs of the clients.
• Attends training sessions and schools for job development and enhancement. Reads current publications and maintains contact with a variety of sources of information in the banking industry to keep informed about business, economics, market conditions, industry trends, etc.; maintains intimate knowledge of the Bank’s lending area including the surrounding economy and real estate values.
• Promotes and maintains a professional bank image and acts as a role model for all bank employees.
• Assists in the training of new personnel.
• Demonstrates professionalism and discretion regarding the sensitive and confidential nature of client finances for loans.

• Ability to understand, spread, and analyze business and personal tax returns, financial statements, and…