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Credit Analyst

Washington Federal

Seattle, WA

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JOB DETAILS
SALARY
$27.89–$40.87 Per Hour
JOB TYPE
Full-time, Employee
SKILLS
Accounting, Administrative Skills, Affirmative Action, Analysis Skills, Bank Secrecy Act, Business Banking, Business Development, Cash Flow Projection, Communication Skills, Community Banking, Construction, Credit Analysis, Credit Risk, Customer Relations, Customer Support/Service, Customer/Client Research, Data Collection, Develop and Maintain Customers, Due Diligence, Federal Laws and Regulations, Financial Analysis, Financial Risk, Financial Statements, Follow Through, Industry/Trade Analysis, Interest Rates, Interpersonal Skills, Investment Management, Loans, Mathematics, Microsoft Excel, Microsoft Office, Microsoft PowerPoint, Microsoft Word, Organizational Skills, Presentation/Verbal Skills, Problem Solving Skills, Real Estate, Regulations, Rehabilitation Act, Relationship Management, Reporting Skills, Risk, Spreadsheets, Tax Accounting, Tax Returns, Time Management, Tuition Reimbursement, USA PATRIOT Act, Writing Skills
LOCATION
Seattle, WA
POSTED
30+ days ago
Credit Analyst


Location : Location

US-WA-Seattle




Multiple Locations

5th & Alder



Location/Org Data : Name

N WA Business Banking



Location : Address

425 Pike Street



Location : City

Seattle



Location : State/Province

WA


ID

2026-4597


Category

Commercial Banking


Position Type

Full Time


Min

USD $27.89/Yr.


Max

USD $40.87/Yr.


Min




USD $27.89/Yr.


Max




USD $40.87/Yr.


Job Summary




The Credit Analyst is responsible for providing due diligence and analytical support to the Relationship Officer and Relationship Manager, Director and Division Manager. The Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists Relationship Officers, Relationship Managers, Directors and the Division Manager in writing loan requests; promotes business for the Bank by maintaining good client relations and referring clients to appropriate staff for new services.

WaFd Bank is proud of the high value that we all place on simply being kind when serving our co-workers and clients.

Assists Relationship Officers, Relationship Managers and Directors in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within the framework of the Bank's credit culture and current economic and industry trends.

Assists Relationship Officers, Relationship Managers and Directors in gathering data from clients and internal and outside sources; prepares spreadsheets and analyzes financial information, including financial statements and tax returns; contacts clients for additional information and clarification of data.

Compiles data from credit bureaus, conducts industry peer comparisons and performs cash flow analyses and other such tasks and comparisons.

Informs Relationship Officer, Relationship Manager, Director and Division Manager when up-to-date financial statements are needed for commercial accounts; ensures credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.

Works with Relationship Officers, Relationship Managers and Directors to ensure that all portfolio management responsibilities are well documented and maintained in accordance with management expectations.

Assists Relationship Officers, Relationship Managers and Directors in the review, initial approval and renewal of credit facilities and provides back-up support. May take primary responsibility for certain credit actions (approvals, renewals) per the guidance of the Relationship Officers, Relationship Manager, Director or Division Manager.

Develops knowledge of relevant industries; as well as economic conditions (i.e. interest rates, asset values, competition, market conditions, etc.) that impose risk to the client base.

Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business.

Reinforces the application of superior client service through his or her own example, along with appropriate follow-through with involved clients and employees.

Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.

Assures compliance with all Bank policies, procedures and processes and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities specific to the position.

Adherence to bank policies and procedures designed to comply with Federal regulations, including but not limited to the Bank Secrecy Act, USA Patriot Act and OFAC regulations.

Completes administrative tasks correctly and on time; supports the Bank's goals and values.


Qualifications




Education/Skills/Training:

Bachelor's Degree or approved equivalent combination of education and experience. Work-related experience should consist of commercial financial analysis or a lending background. Educational experience, through in-house training sessions, formal business school or financial industry related curriculum.
Preferred two to three years' experience in financial and/or credit analysis or related areas.
Experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
Strong knowledge of commercial, construction and real estate credit analysis.
Ability to analyze and interpret general business periodicals, professional journals and technical procedures.
Ability to effectively present information and respond to questions from diverse groups, including managers, customers and members of the general public.
Proficient in Microsoft Office suite (Word, Excel and PowerPoint).
Strong typing skills to meet production needs of the position.
Strong math skills.
Effective verbal, written and interpersonal communication skills; ability to write reports and correspondence and speak clearly to customers and employees.
Ability to deal with normal problems involving multiple facets and variables in non-standardized situations and apply common sense in carrying out instructions and solving problems.
Excellent organizational and time management skills.
Ability to work with minimal supervision while performing duties.


Benefits




At WaFd Bank you get all of these great benefits!

Paid time off for vacation, sick days and holidays
Health insurance
Stock options
Bonus programs
Generous 4% 401(k) matching plus a generous 3% annual contribution, 7% total employer contribution
Paid Parental Leave
Life and AD&D insurance
Long-term disability
Tuition Reimbursement
Employee assistance programs
Pre-tax health and dependent-care spending plans

WaFd Bank Benefits Summary - Click here for more information


EEO Statement




We are committed to Equal Employment Opportunity and Affirmative Action. We recruit, hire, train and promote persons in all job titles and ensure that all other personnel actions are administered without regard to race, color, religion, sex, sexual orientation, gender identity, military and/or veteran status, or disability in accordance with Executive Order 11246, Section 503 of the Rehabilitation Act of 1973, as amended, and the Vietnam Era Veterans Readjustment Assistance Act of 1974, which require affirmative action to ensure equal opportunity in all aspects of employment. WaFd Bank does not discriminate on the basis of national origin or citizenship status as provided under the Immigration Reform and Control Act of 1986, or any other Federal or State legally-protected classes. WaFd Bank is committed to providing reasonable accommodations to employees and applicants with disabilities to the full extent required by the Americans with Disabilities Act (ADA). If you feel you need a reasonable accommodation pursuant to the ADA, you are encouraged to contact us at 800.324.9375

EEO Policy Statement - WaFd Bank

Know Your Rights: Workplace Discrimination is Illegal - click here for more information

California Consumer Privacy Act- CCPA 2025


Requisition Post Information* : Posted Date




3/6/2026

We are committed to Equal Employment Opportunity and Affirmative Action. We recruit, hire, train and promote persons in all job titles and ensure that all other personnnel actions are administered without regard to race, religion, color, national origin, citizenship, sex, sexual orientation, gender identity, age, veteran status, disability, genetic information, or any other protected characteristic. WaFd Bank is committed to providing reasonable accommodations to employees and applicants with disabilities to the full extent required by the Americans with Disabilities Act (ADA). If you feel you need a reasonable accommodation pursuant to the ADA, you are encouraged to contact us at 800.324.9375

About the Company

W

Washington Federal