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Heritage Bank Credit Analyst in Bellevue, Washington

Heritage Bank is seeking aCredit Analystat our Bellevue Commercial Banking Center in Bellevue, WA. TheCredit Analystis responsible for assisting Commercial Bankers for in underwriting credits, portfolio management and customer service for an assigned portfolio of commercial accounts. Additionally, this position will assist to ensure compliance with all policies, procedures and regulations, and the accurate and timely delivery of documents for closing the loan. This position requires direct supervision and oversight and may act independently, as needed, to accurately respond to customer inquiries related to the lending process.Depending on experience Credit Analyst I, II or Senior may be considered.The successful candidate will be able to: Provide an exceptional level of customer service around all aspects of the banking relationship with a focus on the credit aspects in conjunction with the Commercial Banker assigned to the relationship.Independently interacts with prospective and existing clients to collect financial statements, tax returns, and other applicable information, to include, but is not limited to account receivables aging’s, account payable aging’s, rent rolls, operating statements, leases, corporate documents, and environmental reports.Complete and/or coordinate with Credit Administration, financial statement spreading and cash flow/global cash flow analysis, as requested and needed.Identify loan purpose, source of repayment, collateral value/priority, and full written analysis of all credit elements within the credit memorandum (SCM).May participate in presentations/meetings with credit administration to negotiate structuring, pricing and edits needed to highlight and or partially mitigate credit risks.Track loan agreement compliance, covenant monitoring, borrowing base certificates and financial reporting, via use of the lending tickler system. Ensure timely and accurate follow up.Analyze financial and other information and complete file memos or written analysis to document trends and, where necessary, report and/or gain credit approval for action taken on Loan Agreement violations.Independently interacts with customers to collect information needed to complete loan renewals ahead of loan maturity dates, to include information needed to order new property appraisals, as applicable.Participate in the construction administration process by collecting and reviewing required information for monthly draws in conjunction with the RECAD team.Comply with governing regulations by maintaining current knowledge of commercial law, UCC and Banking regulations and policies to ensure conformity with required laws and terms.May accompany Commercial Banking Officer on business calls and/or site visits, as requested. Requirement

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