Description:

Commercial Credit Analyst Lynden Financial Center | Hybrid Work from Home (3 days per week in office) Lynden, WA Monday - Friday 8:00 am to 5:00 pm | 40 hours per week A Day in Your Life at

Peoples Bank:

As a Commercial Credit Analyst, you will be responsible for supporting Commercial Banking Officers in granting and maintaining sound business loans by developing comprehensive information through analysis of financial, business, and collateral data. In addition, the Commercial Credit Analyst will assist Commercial Banking Officers with portfolio management.

Your Primary Responsibilities Would Include:

Spreading and analyzing financial statements and tax returns for Commercial Banking Officers. Reaching out to customers as directed by Commercial Banking Officers to obtain financial information. Identifying loan purpose, sources of repayment and collateral value. Preparing Income & Debt Service Schedule and analyzing Global cash flow. Preparing Loan approval packages required for credit approval submission. Drafting term sheets and commitment letters as directed by Commercial Banking Officers. Maintaining current knowledge of external factors, including economic and industry conditions, which affect loan quality. Preparing written analysis to accurately identify problems, trends, and material changes in financial statements, cash flow, and ratios. Performing all functions of financial statement spreading software and commercial loan origination system. Supporting Commercial Banking Officers in management of maturing loans. Alerting Commercial Banking Officer and Credit Administrator to problems or unusual trends. Complying with governing regulations by maintaining current knowledge of commercial law, UCC and banking regulations/ policy to ensure conformity with required laws and terms. Accompanying Commercial Banking Officers on customer calls for information gathering purposes as needed. Supporting functions of the Commercial Loan Assistant.

Requirements:

What You Bring to the

Team:

You have a bachelor's degree in business, Economics, Finance, Accounting, or equivalent experience. You have a minimum of 1 years' experience in credit analysis or equivalent work experience. You have a basic understanding of financial statements, tax returns for individuals and all types of business entities as well as understanding of basic accounting principles. You have knowledge of and can comply with loan policies and procedures. You have excellent communication, organizational and interpersonal skills. You have excellent problem solving and analytical skills. You are mature, outgoing, and have a professional attitude with customers, prospects, and co-workers. You are proficient in MS Office (Outlook, Word, and Excel) and Financial Statement Analysis software. You have the ability to make sound decisions, prioritize work, meet deadlines and work independently with minimal supervision. You have strong interpersonal skills including professional etiquette and service mentality. You have strong business communication skills, both verbal and written. You can travel to other Peoples Bank locations and off-site for meetings as required. You have a professional demeanor and high regard for confidentiality. You can model the Peoples Bank Mission, Vision, and Values. This position description is not intended to cover or contain a comprehensive list of all functions, duties or responsibilities that are required in this position. Functions, duties, or responsibilities are subject to change at any time with or without notice. For a comprehensive job description please contact HR department at Human.

Resources@PeoplesBank-wa.com The Bank's Commitment to

You:

We ensure that YOU are provided with dedicated, tailored support from our existing team. We admire your passion for growth and self-fulfillment, so we offer engaging professional development and career advancement opportunities. In addition, you will be working with a widely supportive HR team with a wealth of knowledge across a variety of areas. For over 100 years, Peoples Bank's philosophy of "People First" has created an unwavering commitment to our employees, customer, and local communities. Our purpose is to serve our communities with honesty, integrity, respect, and commitment - and our promise, "A Higher Level of Service" always starts and ends with people. We strive to be the "Best Community Bank in the Pacific Northwest" and that endeavor includes being the "Best Employer in the Pacific Northwest".

Our Employees Enjoy Generous Benefits:

We are proud to offer hybrid work from home options for most non-customer facing positions. We share our success with you through Profit Sharing, Incentives, and other Bonus Structures, based on your position. We enjoy a healthy work/life balance by offering 12 days of paid vacation, 2 paid wellness days, 2 days of paid community service time, as well as paid sick leave that is accrued based on hours worked. Our employees will also enjoy 11 paid holidays throughout the calendar year. We understand that wellness needs can look different for everybody, so we provide a full suite of Health benefits to employees and their families that include Medical, Dental and Vision Insurance, Mental Health Resources, and a $200 annual reimbursement for wellness related expenses. We invest in your financial security by providing an 8% 401(k) employer match and safety net of life and disability plans. EEO Statement(s): At Peoples Bank, we know we are better together. We are dedicated to crafting a workplace that reflects the different backgrounds and perspectives of our communities, customers, and employees. If you're excited about the job, we encourage you to apply, all experiences are welcome. Peoples Bank is proud to be an equal opportunity workplace and affirmative action employer.