Senior Credit Analyst (Remote - WA, OR & ID)

Banner Bank • Portland, OR

4d • $88,657 - $104,303 • Remote

About The Position

As a Senior Credit Analyst, you will support sound lending decisions by analyzing complex commercial credit relationships and developing well-supported credit recommendations. You will apply financial expertise, collaborate with lending partners, and help drive client success while mentoring and supporting team growth. The position is remote in Washington, Oregon, and Idaho, with 0% travel.

Requirements

• Bachelor's degree in Accounting, Business, Economics, Law, Computer Science, or a related field; an equivalent combination of education and experience may be considered in lieu of a degree.
• At least 4 years of experience as a Credit Analyst.
• Strong expertise in analyzing complex financial statements, tax returns, credit information, and cash flow performance.
• Deep knowledge of credit investigations, collateral requirements, and commercial lending concepts.
• Exceptional analytical and critical-thinking skills, with a strong understanding of accounting principles.
• Ability to manage a high volume of work accurately in a fast-paced, deadline-driven environment.
• Ability to adapt to changing priorities and interruptions while delivering quality results.
• Clear and professional verbal and written communication skills.
• Knowledge of federal and state laws and regulations related to commercial lending.
• Proficiency with Excel, Word, and other business and lending systems.
• Ability to collaborate and share knowledge through coaching and mentoring.

Nice To Haves

• SBA credit analysis experience is preferred.

Responsibilities

• Investigate credit and financial information for prospective and existing clients.
• Analyze business and personal financial statements, tax returns, cash flows, collateral support, and repayment sources for new, renewed, and existing commercial loans.
• Independently evaluate complex credit relationships and develop recommendations with minimal guidance.
• Prepare spreadsheets, credit approval packages, credit proposals, financial summaries, and written opinions for loan decision makers.
• Partner with lending teams to support effective credit risk assessment and portfolio management.
• Support the Team Leader role and serve as a backup when needed.
• Train, mentor, and support the development of new team members.
• Maintain compliance with company policies, procedures, security requirements, and applicable government regulations.

Benefits

• Annual incentive potential
• Comprehensive employee benefits, including medical, dental, vision, LTD, STD, and life coverage
• Paid vacation time
• Paid sick time
• 11 company-paid holidays
• 401(k) with up to 4% match
• Tuition reimbursement

What This Job Offers

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