CREDIT BUREAU ANALYST

This position is located at our Spokane, WA Downtown branch.
Generous Paid Time Off (PTO) in addition to paid federal holidays.
~ Student debt employer repayment program.
~401(k) retirement plan with a 6% match.
~ Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it.

The Credit Analyst II is responsible for evaluating and underwriting commercial credits including Commercial Real Estate (CRE), Commercial and Industrial (C&I), Hospitality, Municipalities and a variety of other commercial credit types. This role involves gathering, analyzing, and interpreting personal and business financial statements, projections, and internal/external reports to assess creditworthiness, repayment capacity, and compliance with bank policies and federal regulations. This position partners closely with Commercial Relationship Managers to support new and existing loan relationships, emphasizing credit quality, risk mitigation, and portfolio performance.
Reads, reviews, and understands various financial statements to include but not limited to; tax returns, balance sheets, profit and loss statements, agings, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, rent rolls, lease agreements, and appraisals.
Prepares financial spreads for various types of commercial and real estate businesses, municipalities, non-profits, and individuals acting as direct obligation borrowers or guarantors.
Analyzes credit worthiness of commercial applicants and guarantors as appropriate by reviewing the loan application, spreading historical and projection based financial statements, calculating cash flows, leverage, and liquidity ratios, evaluating collateral, conducting research on the borrower(s) and key industries, and identifying risks.
Analyzes findings and authors a comprehensive report of analysis using a mix of data analysis (charts, formulas, graphs, etc.) Evaluates credit quality and suggests proper risk rating based on analysis of most recent financial information.
Possesses proficiency relative to credit transactions and analytical skills sufficient to enable independent underwriting of commercial requests for streamlined to complex requests with limited guidance from immediate manager.
Ensures compliance to applicable regulations and keeps up-to-date with changes in federal regulations and FIB credit policy requirements.
Assists the Relationship Manager in the preparation of reports for quarterly monitoring of classified and criticized commercial relationships.
Completes financial performance metric covenant testing utilizing prepared financial spreads.
Participates in a quality control program that provides for the monthly review of general forms, spreads, and analysis with the provision of feedback and mentoring.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Able to develop and maintain internal and external relationships with individuals such as Relationship Managers, Credit Officers, and Risk Management Personnel.
Self-motivated and possess the ability to assist with credit risk decisions.
Proficiency with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint.
Experience with financial spread software.

High School Diploma General Education Degree (GED) required
~ Bachelors Degree in Business, Finance, or related field preferred
~4-6 years of banking experience and/or equivalent combination of education and experience required and
~ Commercial banking experience preferred

In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.
Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently
Overtime - Subject to business need
The anticipated pay range for this position is $28.19 to $43.74 per hour in WA and depends on a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills and experience, education, and geographic location. Additionally, this role is eligible to receive annual discretionary cash bonuses. Benefits available for this position include, but are not limited to, medical, dental, vision, short-term and long-term disability benefits and life insurance, flexible spending accounts, health savings account, employee assistance program, 401(k), Paid Time Off (new hires accrue at .069 per hours worked which equates to approximately 18 days per year inclusive of paid sick time) and up to 11 paid Federal holidays.