Job DescriptionThis job is responsible for supporting credit underwriting and monitoring for new and existing clients in partnership with a credit team. Key responsibilities include independently managing low‑complexity transactions or portfolios, completing and reviewing credit analysis, evaluating risks, and writing financial analysis. Job expectations include leading the process, ensuring timely and accurate analysis, and coaching teammates on credit requirements.This job is additionally responsible for analyzing and interpreting a client's credit worthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities. Key responsibilities include analyzing qualitative and quantitative data such as client financials, projections, industry data, covenant compliance, and collateral appraisals to ensure compliance with the bank's risk appetite. Job expectations include completing regular monitoring and underwriting tasks and supporting key internal stakeholders to achieve successful execution of new transactions.ResponsibilitiesLeads the credit analysis process with the support of other analysts and associatesPartners with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirementsMonitors operating performance and financial condition, proactively identifying issues and opportunitiesAssists in delivery of financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision‑making processReviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedureMay have primary coverage responsibility for a portfolio of clients with limited complexity and credit approval for certain credit actionsParticipate in loan structure conversations and completion of loan documentation with internal/external legal partnersAnalyzes client's financial performance by comparing it to past performance, projections, and industry standardsReviews financial statements, assesses the client's compliance with financial covenants, and renews risk ratings, while recommending changes as warrantedAssists in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and proceduresEvaluates transaction and relationship risk‑adjusted profitability to facilitate the allocation of capitalBuilds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findingsTrains, coaches, and mentors Credit AnalystsPartners with client‑facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the clientStructures the terms of a lease/loan with respect to the various aspects that make up a lease/loan (e.g. pricing, rates, payment, term, collateral)Manages the credit process for a portfolio of clients including reviewing financial statements, assessing the client's compliance with financial covenants, confirming the accuracy of risk ratings, and recommending changes as warrantedRequired Qualifications3+ years of commercial credit underwriting and credit analysis experienceMust have effective presentation, structuring, financial statement and credit risk analysis skillsMust have proficient Microsoft OfficeMust have proficient business writing skills.Desired QualificationsBachelor's degree in Finance/Accounting or equivalent experience is preferredSkillsAttention to DetailCredit and Risk AssessmentFinancial AnalysisUnderwritingWritten CommunicationsAnalytical ThinkingCredit Documentation RequirementsFinancial Forecasting and ModelingRecording/Organizing InformationBusiness AcumenCollaborationCollateral ManagementLoan StructuringPrioritizationShift1st shift (United States of America)Hours Per Week40LocationsUS - CA - Newport Beach - 520 Newport Center Dr - Newport Beach 520 NCD (CA6814)US - CO - Denver - 370 17TH ST - REPUBLIC PLAZA (CO1004)US - WA - Seattle - 401 Union St - Rainier Square (WA1510)Pay Range$73,000.00 - $149,000.00 annualized salary, offers to be determined based on experience, education and skill set.Discretionary IncentivesThis role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.BenefitsThis role is currently benefits eligible. We provide industry‑leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.#J-18808-Ljbffr
