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Northwest Bank · 1 month ago

Commercial Banking Credit Analyst / Assistant Relationship Manager

Boise, ID

Full-time

Onsite

Entry Level

1+ years exp

Northwest Bank is seeking a Commercial Banking Credit Analyst / Assistant Relationship Manager to support Relationship Managers in managing client relationships and credit workflow. This role involves conducting credit analyses, providing financial analysis, and assisting in the loan approval process.

BankingFinanceFinancial Services

Responsibilities

Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values; and provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards

Adhere to defined Service Level Agreements, both internal and external

Investigate, interpret and analyze credit reports

Spread and analyze financial statements and information to evaluate existing and projected company cash flow

Work with Loan Coordinator to order all necessary reports (UCC lien searches, title, insurance, appraisals / evaluations, environmental, flood, etc.)

Review all necessary reports, including title, independent appraisal and collateral exam

Develop list of key information necessary to support the loan approval process

Prepare detailed Credit Memorandums with defined Credit Quality Expectations and within Credit policies and procedures for review and approval

Make underwriting recommendations to the Relationship Manager, Market President, and Credit Administration, as appropriate

Assist in monitoring loans through timely collection of financial information / tickler management

Assist in the creation and maintenance of customer files within defined bank standards

Review financial information for loan compliance to maximize credit quality and minimize risk and potential loss

Assist RM and Loan Coordinator with maintaining current financial information consistent with loan approval and ensure maintenance of the credit file

Serve as an important part of the Relationship Management team

As requested by RM, attend customer meetings and take notes to assist in underwriting and evaluating risk

As requested by RM, work with loan applicants to ensure loan packages are complete

Participate in Credit Trainings to remain current on standards and expectations

As requested by RM, assist in the preparation of Preflights and LOI’s

Review portfolio reports to be informed of workflow, maturing loans (early identification of need for loan extensions), covenant compliance, etc

Analyze/recommend line draws (via Borrowing Base Certificates, Construction Draws, etc.) as requested by RM

Support collection of past due accounts as requested by RM

Assist with customer calls and marketing efforts as requested

Maintain knowledge of and compliance with banking regulations

Be knowledgeable of and able to promote all bank products and services

Perform other duties as assigned

Qualification

Credit analysisFinancial analysisLending policiesRisk analysisMicrosoft OfficeBusiness cash flowFinancial analysis softwareCommunication skillsTime management

Required

Bachelor's degree in Business, Finance, or related area; or equivalent work experience

1 year of experience in credit analysis and/or lending activities

Preferred

Developed credit analysis and analytical skills

Thorough understanding of business cash flow and differing legal business structures

Good knowledge of economics, accounting, and finance

Basic knowledge of risk analysis

Thorough knowledge of lending policies and procedures preferred

Proficient computer skills with collaboration and productivity tools including Windows-based operating systems and office suites (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis; internet; email; and bank software

Experience with financial analysis software such as Moodys and Bukers

Effective oral and written communication and time management skills