Heritage Bank Credit Analyst - Commercial in Seattle, Washington
The Credit Analyst is responsible for assisting Commercial Bankers in underwriting credits, portfolio management and customer service for an assigned portfolio of commercial accounts. Additionally, this position will assist to ensure compliance with all policies, procedures and regulations, and the accurate and timely delivery of documents for closing the loan. This position is relied upon to independently manage a small portfolio and prepare a thorough analysis of all aspects of a credit, including the preparation of financial spreads and projections in conformance with established Bank policies and procedures, for new loan requests, renewals and annual reviews, and responds to customer inquiries related to the lending process in a timely and accurate manner. The successful candidate will be able to: Provide an exceptional level of customer service around all aspects of the banking relationship with a focus on the credit aspects in conjunction with the Commercial Banker assigned to the relationship. Independently interact with prospective and existing clients to collect financial statements, tax returns, and other applicable information, to include, but not limited to account receivables aging’s, account payable aging’s, rent rolls, operating statements, leases, corporate documents, and environmental reports. Complete and/or coordinate with Credit Administration, financial statement spreading and cash flow/global cash flow analysis, as requested and needed.