Credit Analyst - Portland, OR (Hybrid Schedule)

We are now accepting resumes for our Credit Analyst role located in Portland, OR.  This position has a flexible hybrid work schedule.  The ideal candidate for this role will have the skills and experience necessary to fulfill the following responsibilities and qualifications:

·        Conducts credit investigations, credit and loan analysis, underwriting, prepare credit presentations, and other documentation information pertaining to loan analysis.

·        Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.

·        Responsible to understand the loan request and ensures the accuracy and completeness of financial information received for loan renewals.

·        Analyzes financial statements and related materials and works with Relationship Managers to make recommendations for credit approvals.

·        Analyzes financial conditions and trends and prepares tracking for loan compliance.

·        Determines business and individual cash flow analysis.

·        Prepares summaries, presents facts, and offers opinions concerning credit-worthiness and identifies risks.

·        Ensures that all credit files include current financial statements, agency reports, etc.

·        Partner with Relationship Managers to recommend loan structure.

·        Proactively monitors and manages loan portfolios to ensure accounts are current, and watch for developing credit weaknesses.  Share insights with Relationship Managers.

·        Keeps abreast the bank’s credit policy, all new credit regulations and laws, and ensures compliance with such.

·        Assists with other projects as outlined by manager or Relationship Managers.

·        Other duties as assigned.

Qualifications:

·        Require a Bachelor in finance, business, accounting or a related field and 3+ yrs credit/financial analysis, lending, underwriting or other directly related experience.

·        A combination of education and experience may meet job requirements.

·        Working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles.

·        Experience working with various types of loans.

·        Working knowledge of credit risk, legal and regulatory requirements.

·        Ability to work with Relationship Managers and or staff, including client service and treasury management operations.

·        Good client relationship, teamwork, and communication skills, both verbal and written.

·        Ability to make sound decisions and recommendations regarding loans.

·        Working knowledge of computer software programs including Excel (to create spreadsheets), Word, and Moody’s Analytics, etc.

Benefits: 

·        Medical, Dental and Vision Insurance - START DAY ONE! 

·        Life and Disability Insurance, Paid Parental Leave and Adoption Assistance

·        Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts

·        Paid Training, 20 days of Paid Time Off (PTO).  PTO covers both sick and vacation days without distinguishing between them.  Paid Federal Holidays, and any applicable state holidays

·        401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience

·        Salary Range:  $70,875 to $103,950 depending on experience.

·        Mental health benefits including coaching and therapy sessions

·        Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire

·        Employee Ambassador preferred banking products

·        Employees may, at the company’s discretion, be eligible to receive a cash bonus award