Commercial Credit Analyst

RiverBank • Spokane, WA

5d • $86,450 - $103,905 • Onsite

About The Position

RiverBank is seeking a talented Commercial Credit Analyst to join their high-performing team. This role is responsible for analyzing commercial borrowing relationships, assessing financial performance, identifying risk factors, and supporting sound credit decisions. The position offers a strong foundation and growth pathway toward senior credit analysis and commercial underwriting responsibilities over time. RiverBank is a community bank focused on making business banking easy and supporting the growth of businesses in their community.

Requirements

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field.
• Equivalent combination of education and relevant experience may be considered.
• Two to five years of experience in commercial banking, financial analysis, accounting, credit analysis, treasury, lending support, or a related financial services role.
• Experience analyzing financial statements and tax returns required.
• Strong financial statement analysis and interpretation skills, including cash flow, global cash flow, and debt service coverage calculations.
• Understanding of commercial lending fundamentals, including working capital needs, capital expenditure financing, collateral protection, covenant monitoring, and repayment capacity.
• Ability to interpret tax returns, borrowing base reports, appraisals, business valuations, legal entity structures, and loan documentation.

Nice To Haves

• Commercial credit analysis or underwriting experience
• C&I and commercial real estate lending exposure
• Formal credit training
• Community banking experience
• Familiarity with financial spreading platforms (e.g., Buker’s Tax Analysis or a comparable system) preferred.

Responsibilities

• Analyze commercial loan requests, renewals, modifications, and annual relationship reviews across a range of business credit relationships.
• Evaluate borrower and guarantor financial strength through detailed review of business and personal financial statements, tax returns, projections, borrowing base reports, and supporting documentation.
• Perform cash flow analysis, debt service coverage calculations, leverage and liquidity analysis, and trend analysis.
• Assess collateral adequacy, repayment sources, guarantor support, and overall credit structure.
• Identify strengths, weaknesses, risks, and appropriate mitigating factors associated with commercial credit relationships.
• Spread business and personal financial statements and tax returns in accordance with bank guidelines.
• Prepare clear, concise, accurate, and well-supported credit memorandums, analytical reports, and risk assessments for management review.
• Develop credit recommendations and identify policy exceptions, documentation deficiencies, and compliance considerations.
• Gather and organize supporting loan documentation and financial information to complete credit files that meet Bank policy and regulatory requirements.
• Assist with annual reviews, credit renewals, risk ratings, loan modifications, and portfolio maintenance activities.
• Monitor borrower financial performance, covenant compliance, approval conditions, and overall credit quality.
• Calculate and verify covenant compliance and communicate exceptions or violations to lending officers for resolution.
• Collaborate with Commercial Bankers and Relationship Managers to understand customer needs, business operations, and credit structuring opportunities.
• Provide analytical support throughout the commercial lending process and participate in customer or prospect discussions as appropriate.
• Ensure all analysis and recommendations comply with RiverBank Loan Policy, regulatory requirements, credit standards, and safe-and-sound banking practices.
• Maintain thorough and complete documentation supporting analytical conclusions.
• Support loan review, audits, examinations, internal reviews, and special credit projects as needed.
• Complete required training and remain current on regulatory, economic, and industry developments.

Benefits

• Vacation (3 Weeks)
• Sick Leave (12 days a year)
• Volunteer Time off (24 hours)
• All Bank Holidays (at least 40+ paid days off a year total that increase with tenure)
• 90% Employer Paid Medical
• 100% Employer Paid Vision
• 100% Employer Paid Dental
• 100% Employer Paid Long-Term Disability Insurance
• HRA where an employee only pays $600 towards their medical deductible and the company reimburses any other deductible costs ($4,900+ value)
• Employer-paid Life Insurance (two times your annual earnings)
• Employer Paid Employee Assistance Program
• 4% company 401k match on contributions after 3 months
• Paid Parental Leave
• Discounted Rates on Pet Insurance
• Discounted Rates on Home Insurance
• Discounted Rates on Auto Insurance
• Annual bonus

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level