Commercial Banking Credit Analyst / Assistant Relationship Manager
Northwest Bank
- Nampa, ID
- Permanent
- Full-time
- Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values; provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards
- Investigate, interpret and analyze credit reports
- Develop key discussion points and questions to assist in analyzing loan opportunities
- Support the Relationship Managers (RMs) and Loan Administrators to close loans
- Spread and analyze financial statements and information to evaluate existing and projected company cash flow
- Work with Loan Administration to determine necessary reports (UCC lien searches, title, insurance, appraisals / evaluations, environmental, flood, etc.)
- Review independent appraisal and collateral exam reports
- 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
- Create and maintain customer files within defined bank standards
- Attend customer meetings and provide written summary in underwriting and evaluating risk
- Connect with loan applicants to ensure loan packages are complete
- Participate in Credit Training to remain current on standards and expectations
- Review portfolio reports to be informed of work flow, 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
- Assist with the Know Your Customer (KYC) due diligence and new account onboarding for new clients
- Assist with customer calls and marketing efforts
- Maintain knowledge of and compliance with banking regulations
- Bachelor’s degree in Business, Accounting, Finance, or related area; or equivalent work experience
- Relevant experience analyzing business financial statements in the context of commercial banking, investment banking, or commercial real estate lending
- Relevant experience with direct client interaction with businesses providing support related to financial services
- Experience with financial analysis software such as Moodys and Bukers
- Proficiency using Windows-based operating systems (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis and for high-quality, professional presentations to clients and prospects
- Thorough understanding of business cash flow and differing legal business structures
- Experience working in a fast-paced environment where effectively managing multiple tasks and priorities is critical
- Basic knowledge of risk analysis, economics, accounting, and finance practice
- Strong relationship-building skills with demonstrated attributes that support a team-based environment
- Thorough knowledge of lending policies and procedures preferred
- Effective oral and written communication and time management skills
- Basic knowledge of deposit and cash management banking products used by lower middle-market companies
- Competitive Compensation Package
- Medical, Dental, and Vision
- Health Savings Account (HSA)
- Flexible Spending Accounts (FSA)
- 401(k) plan with company match
- Generous PTO & Holidays