Credit Analyst I-III

Washington Trust Bank Careers•Coeur d'Alene, ID

3d•$51,636 - $101,781

About The Position

The Credit Analyst assists Relationship Managers (RMs) with credit analysis and evaluation of existing and potential loan customers, providing analytical support under the supervision of more senior team members. With direction as needed, the position prepares written credit authorizations, spreads business financial statements, prepares personal cash flow worksheets, and reviews financial projections and automated spreadsheets used to analyze commercial borrowers and prospects. The role supports credit risk assessment, loan administration, and borrower monitoring in accordance with Bank policy. It also prepares financial models and presentations and completes assigned compliance, risk-management, and departmental duties. Regular, reliable attendance is required. The compensation range depends on the level: Credit Analyst I, $51,636–$77,454; Credit Analyst II, $59,209–$88,814; and Credit Analyst III, $67,815–$101,781. These ranges represent the low and high ends of base compensation for the position located in Coeur d'Alene, Idaho. Actual compensation may vary based on factors including location, experience, and performance. The position is eligible to participate in an applicable annual bonus plan. Washington Trust Bank describes its benefits as a comprehensive package supporting overall wellness, with Health, Financial, Retirement, and Work/Life benefits. The Bank is an equal opportunity employer and is committed to a supportive and inclusive work environment.

Requirements

Three or more years of credit analysis and underwriting experience preferred.
College-level coursework, preferably in Accounting, Finance, Business, or a related field.
Strong accounting aptitude.
Demonstrated analytical and problem-solving ability.
Experience with computer-assisted financial analysis and PC-based financial models; knowledge of spreadsheet applications such as Microsoft Excel.
Strong knowledge of Bank loan policies and general commercial documentation requirements.
Ability to prioritize assignments and manage multiple priorities while maintaining a high level of service to internal and external clients.
Excellent interpersonal skills and ability to collaborate effectively with diverse groups of people.
Outstanding verbal and written communication skills, including grammar and correspondence abilities.
Organizational and analytical skills, strategic thinking, and ability to work collaboratively or independently.
Proficient PC and technical skills, including navigating Microsoft Office Suite products and related word processing, spreadsheet, database, desktop information management, and Internet applications.
Demonstrated self-motivation and initiative; ability to work well independently and with others.

Nice To Haves

Three or more years of credit analysis and underwriting experience.
College-level coursework in Accounting, Finance, Business, or a related field.

Responsibilities

Assist Relationship Managers with credit analysis, risk-rating assessment, problem-loan reporting, and other credit-administration requirements.
Review and evaluate business financial reports.
Prepare written credit authorizations in accordance with Bank policy and ensure proper monitoring and documentation are reviewed.
Prepare financial projections and customized automated spreadsheets for analyzing commercial borrowers and prospects.
Develop financial models based on customized financial formats.
Prepare financial statement presentations for analyzing business borrowers.
Perform compliance and risk-management duties as required or assigned.
Assist with other department duties and projects as requested by the team lead.
Maintain regular, reliable attendance.