[Hiring] Senior Credit Analyst @Banner Bank

Role Description

As a Senior Credit Analyst, you'll play a key role in supporting sound lending decisions by analyzing complex commercial credit relationships and developing well-supported credit recommendations. This is an opportunity to apply your financial expertise, collaborate with lending partners, and help drive the success of our clients while mentoring and supporting team growth.

• Investigate credit and financial information for prospective and existing clients.
• Analyze business and personal financial statements, tax returns, cash flows, collateral support, and repayment sources for new, renewed, and existing commercial loans.
• Independently evaluate complex credit relationships and develop recommendations with minimal guidance.
• Prepare spreadsheets, credit approval packages, credit proposals, financial summaries, and written opinions for loan decision makers.
• Partner with lending teams to support effective credit risk assessment and portfolio management.
• Support the Team Leader role and serve as a backup when needed.
• Train, mentor, and support the development of new team members.
• Maintain compliance with company policies, procedures, security requirements, and applicable government regulations.

Qualifications

• Bachelor's Degree in Accounting, Business, Economics, Law, Computer Science, or a related field (Required).
• An equivalent combination of education and experience can be considered in lieu of a degree.
• 4 or more years of experience as a Credit Analyst (Required).
• SBA credit analysis preferred.

Requirements

• Strong expertise in analyzing complex financial statements, tax returns, credit information, and cash flow performance.
• Deep knowledge of credit investigations, collateral requirements, and commercial lending concepts.
• Exceptional analytical and critical thinking skills with a strong understanding of accounting principles.
• Ability to manage a high volume of work while maintaining accuracy in a fast-paced, deadline-driven environment.
• Adapt effectively to changing priorities and interruptions while delivering quality results.
• Clear and professional communication, both verbally and in writing.
• Knowledge of federal and state laws and regulations related to commercial lending.
• Proficient with Excel, Word, and other business and lending systems.
• Enjoy collaborating with others and sharing knowledge through coaching and mentoring.

Benefits

• Targeted starting salary range (based on experience): $88,657 - $104,303.
• Annual incentive potential.
• Comprehensive employee benefits, including: medical, dental, vision, LTD, STD, and life.
• Paid vacation time, sick time, and 11 company paid holidays.
• 401k (with up to 4% match).
• Tuition reimbursement.