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

Salary : $70,875 - $103,950