At the Commerce Bank of Washington, we believe that delivering exceptional service to our clients is the single most important function we perform in our role as bankers.  We are dedicated to enriching professional, nonprofit and business organizations by providing them and their principals with highly personalized banking and financial services from experienced bankers committed to long-term banking relationships. 

  

The Commerce Bank of Washington is seeking a proven, highly motivated, analytical, and articulate individual to fill our Credit Analyst role in Seattle, WA. 

 

 

Essential Functions: 

Conducts credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to Community Banking commercial loans 

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

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

Analyzes financial statements and related material and makes recommendations for approvals of credits 

Analyzes financial conditions and trends; reviews and reports non-compliance with loan covenants 

Determines cash flow using appropriate tax analysis 

Prepares summaries, presents facts, and offers opinions concerning creditworthiness and any risk items or issues 

Provides credit information and references for customers, loan officers, or other agencies as requested 

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

May make recommendations for loan structure 

Maintains control over current accounts, noting payment progress, watching for any developing problems, and keep loan officers informed 

Keeps abreast of all new credit regulations and laws and ensures compliance with such 

May assists with projects as needed 

Other duties as assigned 

  

 

Qualifications: 

Requires a Bachelor's in finance, business, accounting or a related field and 1+ years credit/financial analysis, lending, underwriting or other directly related experience. A combination of education and experience may meet job requirements 

Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles 

Some experience working with various types of loans 

Basic working knowledge of credit risk, legal and regulatory requirements 

Ability to work with lending officers and staff 

Good client relationship and communication skills, both verbal and written 

Ability to make sound decisions and recommendations regarding loans 

Working knowledge of computer software programs including spreadsheets, word processing, etc. required 

 

  

Benefits: 

Medical, Dental and Vision Insurance – START DAY ONE! 

Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance 

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

Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays 

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

Mental health benefits, including coaching and therapy sessions 

Tuition Reimbursement for qualifying employees 

Employee Ambassador preferred banking products 

 

 

This position is eligible to earn a base salary in the range of $78,000 - $96,000 annually depending on job-related factors such as level of experience.