Risk Management- Lead Credit Officer - Vice President
Credit analyst job in Seattle, WA
Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities.
As a Lead Credit Officer within the Credit Risk team, you will play a critical role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.
Job Responsibilities:
Oversee all aspects of credit analysis on commercial real estate/multifamily loans.
Evaluate and manage risks in complex transactions.
Serve as a back-up mentor for more junior Credit Analysts and Credit Officers
Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal.
Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements.
Apply data analysis techniques to interpret results and provide insights and recommendations to management.
Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools.
Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge.
Required Qualifications, Capabilities, and Skills:
Minimum 7+ years of experience in commercial real estate lending, credit analysis, or loan workouts.
Thorough understanding of multifamily real estate property valuations and cash flow analysis.
Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements.
Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail.
Excellent verbal/written communication and problem-solving skills.
Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed.
Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems.
Preferred Qualifications, Capabilities, and Skills:
Bachelor's degree in accounting, finance, economics, or real estate is preferred.
Familiarity with regional markets and municipal regulations.
Advanced degree in a related field.
Experience with proprietary credit risk management tools.
Auto-ApplyCredit Officer - Construction Loans (Residential Development)
Credit analyst job in Kirkland, WA
Job Description
Credit Officer - Construction Loans (Residential)
Kirkland, WA
A rapidly growing private real estate lender is hiring a Credit Officer to join their team. With $3B in loans funded, they continue to expand their footprint in residential lending.
In this role, you'll work closely with residential builders and developers to evaluate loan applications, assess borrower qualifications, and ensure alignment with company and investor guidelines. You'll collaborate with a credit team of five.
The ideal candidate brings deep experience in credit analysis, risk assessment, and real estate development. You'll be responsible for structuring and underwriting complex construction and bridge loans-making sound credit decisions that support the firm's growth while managing risk effectively.
Credit Officer Responsibilities:
Deal Vetting: Underwrite bridge and construction loans end-to-end, confirm inputs, and keep the file buttoned-up for audit.
Borrower & Project Diagnostics: Dig into financials, credit profile, budgets, comps, and assumptions to gauge ability to execute and repay.
Exposure Mapping & Mitigation: Pinpoint market, build, timeline, and exit risks; shape terms (reserves, covenants, collateral) to offset them.
Committee Briefings: Produce tight decision memos and risk snapshots; present and shepherd packages through leadership/credit review.
Controls & Requirements: Keep every deal aligned with internal credit frameworks, investor parameters, and applicable lending rules.
Partner Interface: Serve as the go-to between loan officers, borrowers, brokers, and internal teams to keep diligence unblocked.
C-Suite Initiatives: Support the Chief Credit Officer on ad-hoc analyses, portfolio looks, and priority special assignments.
Credit Officer Qualifications:
2+ years of mortgage/banking experience and/or related industry experience in construction, real estate and/or private equity.
Bachelor's degree in Finance, Real Estate, Business, or related field
Solid understanding of income property analysis and loan structuring.
Proficiency in Excel and familiarity with loan origination software.
Ability to work independently and thrive in a collaborative, fast-paced environment.
Company Benefits & Culture:
Annual bonuses
Employee home loan program
401k with a 3% match
Compensation: $95k-$115k + bonus
Consulting Risk Control and Credit Analyst or Below
Credit analyst job in Bellevue, WA
Energy Risk Control Department is looking for a Consulting Risk Control and Credit Analyst or below, depending on experience, to join our team. This role is responsible for implementing, reviewing, and improving risk control and credit management policies and processes for consistency with the organization's governance structure. They will also be taking a leadership role in managing departmental projects. This is an excellent opportunity to play an integral role to help better serve the environment, customers and the communities in which they live. an environment where all employees are valued, respected and provided with the opportunity to achieve maximum performance. comprehensive pay package that includes competitive compensation, annual goals-based incentive bonuses, comprehensive cafeteria-style benefits, 401(K), a company paid retirement pension plan and an employee assistance and wellness program. Gain the energy to do great things
PRIMARY RESPONSIBILITIES: • Reviews, validates and maintains valuation models used to forecast generation asset output, load needs, option valuation, and credit exposure. Assets include hydroelectric plants, thermal plants, wind units, gas storage, and derivative commodity contracts. • Works with front office, external vendors, and IT support to develop improved reporting across the department. Takes a leadership role in resolving anomalies associated with the energy risk and trading platforms. • Works with Energy Trading, Power Costs, Energy and Derivative Accounting, and other groups to develop new reports aligned with the Risk Policy and Integrated Strategic Plan. • Analyzes available data related to existing risk performance metrics. Recommends new performance metrics and works with other members of mid-office, back-office, front-office, IT, and other stakeholder groups to move from design board to production. Assists with incorporating an enterprise-wide view of risks.
• Reviews and develops recommendations to ensure commodity risk governance is implemented successfully within the organization. Works with legal, front-office, mid-office, and senior management to develop recommendations that lead to adoption of formal company policies that drive governance decisions. • Takes a leadership role in managing departmental projects such as integration of new energy risk trading platforms, development of policies and procedures in response to new regulatory requirements, validation of valuation models, evaluation of new credit management tools, development of new reporting processes, and validation of price curves. Identifies project scope, determines deliverable requirements, internal and external resource requirements, and expected timeframe in order to achieve intermediate and final milestones.Develops an understanding of PSE's businesses and how daily operational tasks conducted in Risk Control and Credit contribute to the businesses. Functions as a communication bridge between front and back office. • Provides ad hoc reporting as required. • Performs other duties as assigned.
Qualifications
MINIMUM QUALIFICATIONS: • Bachelor's degree in mathematics, science, finance, or technically/commercially related field, or equivalent combination of education and relevant work experience. • 7 years relevant experience for the consulting level (such as risk control, analytics, reporting, modelling, and credit experience). • Strong knowledge and proficiency in applying portfolio risk measures and probability distribution concepts. • Strong database, spreadsheet and reporting skills including the ability to write queries and macros, build pivot tables and develop OLAP reports. • Self-motivated and high attention to detail with a bias for delivering a flawless product. • Demonstrated problem solving, planning, analytical and/or consulting skills. • Strong oral and written communication skills and ability to use MS PowerPoint effectively. • Prior project management experience.
DESIRED QUALIFICATIONS: • 7 years of relevant experience (such as risk control governance, portfolio analytics, or credit management experience). • Strong database, spreadsheet, and reporting skills. • Proficiency in applying quantitative methods to solve problems. • Strong written, oral, and presentation skills (proficient with MS Powerpoint). • Project management experience. • Strong understanding of commodity trading instruments. • Master's degree in engineering, math, science or finance. • Stong understanding of, energy markets, portfolio risk management concepts and commodity trading insturments including financial derivatives. • Familiarity with quality management principles. • Detailed knowledge of portfolio risk caculations, including Value at Risk, marginal risk analysis, stochastic modelling concepts, and applied probabiilty distribution methods. • Knowledge of process design, re-engineering, and requirements documentation methodologies. • Proficiency in applying quantitiative methods (regression analysis, time-series analysis, Monte Carlo simulation, linear and non-linear optimization). • Programming proficiency in one or more of the following: Assembly, procedural language (such as C), object-oriented (such as java, C++, C#), LISP, Prolog, data management (SQL, XML). This position will be filled as a Consulting Risk Control and Credit Analyst, Senior Risk Control and Credit Analyst or Risk Control and Credit Analyst depending on the qualifications of the selected candidate.
Additional InformationAll your information will be kept confidential according to EEO guidelines.
Direct Staffing Inc
AmeriCredit Sr Credit Analyst I
Credit analyst job in Lynnwood, WA
Why AmeriCredit?
We've spent the past 30+ years creating a culture that's second to none in the auto finance industry. Other employers only talk about their culture - we actually live it every day. It's the primary reason that approximately 50% of our team members have been here for more than 5 years. Sure, we could mention that AmeriCredit is a division of GM Financial, the wholly owned captive finance subsidiary of General Motors, a Fortune 50 company. That might be what attracts talent to our team but it's our culture that keeps them coming back.
Our culture is what has driven AmeriCredit success and what's allowed us to build strong, lasting relationships with our dealers and consumer customers that we serve. But mostly, our culture is what allows us to prioritize employee development, to create a diverse, equitable and inclusive environment and to enrich their professional experience where they can discover, thrive and belong.
If you are looking for an environment that welcomes new ideas, fosters integrity and creates a sense of community and belonging, AmeriCredit just might be your dream employer.
What makes you a dream candidate:
Motivated to perform outbound telemarketing calls to the dealer customer
Knowledge of sales, credit, and funding processes in consumer finance
Fearless negotiation and sales skills necessary to develop and maintain productive dealer relationships
Effective communication skills including verbal, written, and presentation
Innovative thinker with strong ability for strategic vision
Experience
High School Diploma or equivalent required.
2-3 years of underwriting/sales in the automotive industry preferred
What We Offer: Generous benefits package available on day one to include: 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay and nine company holidays
Our Culture: Our team members define and shape our culture - an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work - we thrive
Compensation: Competitive pay and bonus eligibility
Work Life Balance: Flexible hybrid work environment, 2-days a week in office
#LI-KAI1 #GMFjobs
About the Role:
We are looking for energized business development partners to join our credit team. You will be responsible for developing relationships with our auto dealer partners, researching and analyzing credit risks, assessing credit history, and approving or denying extension of credit to potential customers. You will be trained and empowered to bring value to our dealer partners through our programs and negotiations. You will work collaboratively with our field sales team as well as other company departments to grow our business.
If you consider yourself a self-motivated, solutions-driven, relationship builder with a passion for auto finance; apply to be a part of the AmeriCredit Team today.
In this role you will:
Analyze credit data to determine the degree of risk involved in extending credit
Make decisions to approve or deny the extension of credit within set credit authority established by senior management and State/Federal laws
Develop sufficient dealer relationships that ensure volume objectives and credit quality
Drive to capture automotive finance contracts that meet AmeriCredit profitability criteria for pricing and performance
We have 2 openings for this role.
Auto-ApplySenior Credit Analyst - CRE
Credit analyst job in Seattle, WA
The Senior Credit Analyst is responsible for providing due diligence, analytical, and underwriting support to the division's Relationship and Portfolio Managers as assigned. The Senior 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 asset classes; assists Relationship and Managers as well as Regional Directors in writing loan request narratives and ongoing portfolio maintenance to include, but not limited to, covenant compliance monitoring. Additionally, the Senior Credit Analyst will promote business for the Bank by maintaining good client relations and referring clients to appropriate staff for new services. The Senior Credit Analyst will independently interact with clients and prospects to perform all due diligence necessary to extend credit, write up a credit submission, communicate with regional credit authorities and is equipped to present the merits of a credit request in presentation format for the purposes of obtaining credit approval. Additionally, the Senior Credit Analyst will serve as a mentor and training partner for more junior credit analysts throughout the Division.
WaFd Bank is proud of the high value that we all place on simply being kind when serving our co-workers and clients.
Assists the Commercial Real Estate teams in performing pre-qualification assessment, financial spreads 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 the Commercial Real Estate teams 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 appropriate lending officers 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 Commercial Real Estate teams to ensure that all portfolio management responsibilities are well documented and maintained in accordance with management expectations.
Assists Commercial Real Estate Teams in the review 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 applicable submitting officer.
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 and accepts responsibility for his or her own actions.
Ensures 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
Strong experience, knowledge and training in fully underwriting complex and sophisticated commercial real estate projects, both at stabilization and especially for ground-up construction. Underwriting land development projects and having a keen understanding of homebuilder finance construction projects is also desired.
Strong experience, knowledge and training in both corporate and personal financial statement / tax return analysis, typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
Bachelor's Degree or approved equivalent combination of education and experience. Work-related experience should consist of commercial financial analysis, homebuilder finance, or a commercial lending background. Educational experience, through in-house training sessions, formal business school or financial industry related curriculum.
A minimum of five years of experience in both commercial credit analysis and full project underwriting, or related areas. Current responsibilities in a senior-scoped role are desired.
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.
Experience in utilization of nCino Commercial Loan Origination System is desired.
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 7% 401(k) employer matching*
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 ************
EEO is The Law - click here for more information
Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled
EEO Policy Statement - WaFd Bank
Know Your Rights: Workplace Discrimination is Illegal - click here for more information
Pay Transparency Nondiscrimination Provision - click here for more information
California Consumer Privacy Act- CCPA 2025
Requisition Post Information* : Posted Date 10/3/2025
Auto-ApplySBA Underwriter/Credit Analyst II
Credit analyst job in Renton, WA
Take a leap and join our team! At Gesa, we believe in the power of our people. Coming from all walks of life, our team members' individual stories and unique experiences are our most valuable asset. But it's how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.
Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.
Get to know us: About - Gesa Credit Union
Role Summary:
Gesa Credit Union is seeking a highly motivated, detail oriented and organized Small Business Administration (SBA) Loan Underwriter/Credit Analyst to join our dynamic team. The SBA Underwriter/Credit Analyst reports to the SBA Lending Manager. The SBA Underwriter /Credit Analyst position is a critical function in the SBA loan origination process. This position is responsible for ensuring SBA program eligibility in concurrence with the SBA underwriting standards and guidelines. Primarily the SBA Underwriter will perform financial analysis and credit underwriting to support loan origination activities for SBA 7(a), Express 504 and other government guaranteed loan programs. This position is responsible for analyzing SBA credit requests and assisting with credit approval recommendations based on analysis and review. The underwriter is involved with spreading financial statements, tax returns, calculation of cash flows, and financial ratios. The underwriter will assist in the completion of loan approval packages, assisting SBA Relationship Managers obtain necessary documentation, and conduct quality assurance prior to the SBA loan closing. The SBA Underwriter will also be responsible for annual reviews, as needed, perform industry risk analysis, and complete other related tasks required to support the SBA Dept.
What You Will Be Doing:
* Support SBA Relationship Managers in accurate assessment of SBA eligibility as outlined in the most recent SBA SOP as well as credit union policies and guidance.
* Maintain a working knowledge of SBA loan programs.
* The expectation is to build and review at least 2 deals per week or 45 per year factoring in vacations & holidays.
* Analyze personal and business credit data, financial statements, accounts receivable aging reports, accounts payable aging reports, financial projections and tax returns with a sound understanding of financial ratio analysis in order to present facts, opinions and recommendations to SBA Relationship Manager concerning applicant's credit worthiness.
* Evaluate CRE, business acquisitions, equipment, expansions, start-up, construction, and tenant improvement project requests follow bank underwriting guidelines along with SBA requirements.
* Assemble, record, and maintain all credit file data in an accessible and organized manner using shared files and Gesa Credit Union underwriting and record keeping software or tickler systems.
* Request SBA terms and conditions through SBA's etran system or other means.
* Assist SBA Loan Processor in ordering appraisals, real estate evaluations, market research, UCC searches, environmental reports, title reports, etc. in fulfillment of underwriting loan request.
* Assist SBA Relationship Managers in preparing letters of interest and loan commitment letters, portfolio management including annual loan reviews and problem loan reports.
* May participate in customer and prospect calls with the SBA Relationship Manager.
* Attend credit union and SBA training sessions, conferences, or seminars as approved by supervisor.
* May be asked to coach, mentor, or train others and teach coursework as subject matter expert.
About You:
* To perform financial statement and tax return analysis and calculate basic financial ratios.
* To provide knowledgeable, professional, friendly service to all members or vendors whether in person, over the phone thought electronic communication or written communication.
* To participate in and support a team environment.
* To display respect for diversity. Treat people with respect, keep commitments, and maintain a high level of integrity.
* Good interpersonal skills and team orientation.
* To communicate with supervisor regarding matters of account or lending concern.
* To lead by example by always displaying solid ethics and integrity.
* To assist all team members when necessary to meet the borrower expectations and department goals.
* To demonstrate a willingness to learn and grow within a dynamic and challenging environment.
* To understand and perform Bank Secrecy Act (BSA) functions applicable to job responsibilities.
* To maintain a professional work environment and work under restricted time constraints.
* To demonstrate support of corporate values, mission, and vision. Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations.
* To maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge.
Chief Credit Officer - Puyallup, WA
Credit analyst job in Puyallup, WA
We are seeking a new Chief Credit Officer (CCO) to join our team, ideally located in our Puyallup, WA office. In this role, you will be responsible for overseeing the credit function, ensuring the quality and performance of our loan portfolio, and leading the development and implementation of credit strategies for a wide range of construction and development projects. As the CCO, you will work closely with the executive team, cross-functional business units, manage relationships with credit agencies, and ensure that all credit decisions align with the company's strategic objectives and risk tolerance.
Builders Capital is the nation's largest private construction lender, offering innovative financing solutions to a broad spectrum of developers and homebuilders. Our loan products include options for Acquisition, Development, Construction, and Bridge financing, in the form of single-asset loans, portfolio loans, and revolving credit facilities. The Chief Credit Officer will play a key role in ensuring the successful management of these financing products while also overseeing credit risk and managing a diverse portfolio of clients in the construction and real estate industries.
What You'll Do:
Credit Strategy Development: Lead the development and execution of credit policies, guidelines, and strategies to ensure sound credit risk management and profitable loan performance.
Risk Assessment: Oversee the analysis and assessment of credit risk for new and existing loan portfolios, including evaluation of borrower financial health, project feasibility, and collateral.
Credit Approval Process: Manage the credit approval process, ensuring that all loan decisions are made in line with company risk tolerance and strategic goals.
Portfolio Management: Monitor and manage the performance of the loan portfolio, working with the operations and risk management teams to ensure timely payment and minimize defaults.
Compliance & Regulation: Ensure compliance with regulatory requirements and industry standards, overseeing audits, credit reviews, and internal reporting processes.
Credit Analysis Leadership: Lead a team of credit analysts and professionals, providing guidance on complex credit issues and ensuring the quality of credit underwriting.
Stakeholder Collaboration: Work closely with the executive team, sales, and operations to align credit policies with business development and operational needs.
Vendor & Partner Management: Manage relationships with external vendors, credit agencies, and partners to ensure the best credit practices are applied across the portfolio.
Performance Metrics: Utilize data and analytics to assess credit performance and risk, providing regular updates to the executive team on key performance indicators (KPIs) and portfolio health.
Risk Mitigation: Develop and implement strategies to mitigate risk in the loan portfolio, identifying trends and making recommendations for adjustments or new credit offerings.
Market Insights: Stay informed about the latest industry trends, market conditions, and economic factors that may impact credit risk and lending opportunities.
Executive Reporting: Provide regular updates and reports to the executive team on credit portfolio performance, risk management activities, and key credit metrics.
Ad Hoc Projects: Take on special projects related to credit analysis, portfolio management, and risk mitigation as needed, ensuring alignment with the company's overall business priorities.
Requirements
Strategic Thinker: Ability to think big-picture and develop long-term credit strategies that align with company goals and risk tolerance.
Leadership: Proven experience in leading and managing credit teams, driving results through effective decision-making and team collaboration.
Data-Driven: Strong analytical skills with the ability to interpret financial data, credit reports, and market conditions to inform decisions and drive business outcomes.
Risk Management Expertise: Deep knowledge of credit risk management principles, loan structures, and credit underwriting processes in the construction and real estate sectors.
Collaborative: A team player who works effectively with internal departments, including sales, operations, and legal, to ensure cohesive risk management strategies.
Adaptability: Ability to navigate changes in market conditions, adjust credit strategies, and take proactive steps to mitigate emerging risks.
Experience: Proven experience in a senior credit role within the lending or financial services industry, with a successful track record of managing credit portfolios and mitigating risks.
Education: A Bachelor's degree in Finance, Business, Economics, or a related field; advanced certifications such as CFA or MBA are a plus.
Industry Knowledge: Extensive knowledge of credit trends, economic factors, and lending regulations in the private construction lending industry.
Leadership Skills: Strong communication, negotiation, and leadership abilities to effectively manage both internal teams and external vendors.
Benefits
Why Builders Capital?
Competitive Compensation: Builders Capital offers competitive wages and performance-based incentives to reward your expertise.
Work Flexibility: Enjoy a flexible work environment in a company that values both professional and personal life.
Growth Opportunity: As the nation's largest private construction lender, Builders Capital is an industry leader, offering you endless opportunities for personal and career growth.
Innovative Environment: Join a forward-thinking company at the forefront of the construction finance industry with access to cutting-edge technology and resources.
National Impact: Be part of a nationwide operation that's shaping the future of construction financing and making a difference for builders, developers, and homeowners across the U.S.
At Builders Capital, we believe in taking care of our team. Here's a glimpse of the benefits that come with joining us:
Health Insurance: Builders Capital pays 100% of employee medical insurance premiums, offering both PPO and HSA options.
Paid Time Off: Enjoy three weeks of PTO annually to recharge and relax.
Paid Holidays: Take advantage of 10 paid holidays throughout the year.
Health Savings Account (HSA) - We contribute annually into your HSA account (prorated from your hire date) and for those the select our HSA plan
Ready to Shape the Future of Talent at Builders Capital?
If you're ready to make an impact in a fast-growing organization that values innovation, teamwork, and excellence, we'd love to hear from you. Apply now or send us a message to learn more about this exciting opportunity!
Construction Loan Services II LLC (Builders Capital) and its affiliates are Equal Employment Opportunity (EEO) employers and welcome all qualified applicants. This is a full-time exempt position. The job description contained herein is not intended to be a comprehensive list of the duties and responsibilities of the position, which may change without notice.
Auto-ApplyRisk Management - Lead Credit Officer - Vice President
Credit analyst job in Seattle, WA
Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities.
As a Lead Credit Officer within the Credit Risk team, you will play a critical role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.
**Job Responsibilities:**
+ Oversee all aspects of credit analysis on commercial real estate/multifamily loans.
+ Evaluate and manage risks in complex transactions.
+ Serve as a back-up mentor for more junior Credit Analysts and Credit Officers
+ Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal.
+ Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements.
+ Apply data analysis techniques to interpret results and provide insights and recommendations to management.
+ Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools.
+ Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge.
**Required Qualifications, Capabilities, and Skills:**
+ Minimum 7+ years of experience in commercial real estate lending, credit analysis, or loan workouts.
+ Thorough understanding of multifamily real estate property valuations and cash flow analysis.
+ Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements.
+ Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail.
+ Excellent verbal/written communication and problem-solving skills.
+ Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed.
+ Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems.
**Preferred Qualifications, Capabilities, and Skills:**
+ Bachelor's degree in accounting, finance, economics, or real estate is preferred.
+ Experience as a loan underwriter in commercial real estate lending is highly desirable.
+ Familiarity with regional markets and municipal regulations.
+ Advanced degree in a related field.
+ Experience with proprietary credit risk management tools.
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
**Base Pay/Salary**
Seattle,WA $133,000.00 - $240,000.00 / year; Chicago,IL $123,500.00 - $230,000.00 / year
Consumer Loan Officer Trainee
Credit analyst job in Federal Way, WA
The Consumer Loan Officer Trainee (CLOT) is a non-exempt employee that performs customer service and collection duties, investigates, and develops credit applications, works to obtain discretionary credit approval for the origination of direct consumer loans and the purchase of retail installment contracts, while providing other support as needed for branch operations. The Consumer Loan Officer Trainee is a key learning role as part of our Credit Officer development program.
Essential Functions May Include:
* Provide customer service primarily by telephone, in-person, and electronically by offering appropriate solutions, resolution for issues, and follow up.
* Collections of certain past due loans and contracts, including making payment arrangements.
* Marketing for loans by inviting customers to apply for loans and offering optional ancillary products, if properly licensed, when they may provide benefit to the customer.
* Obtaining and inputting, primarily by telephone, direct consumer loan applications, including inputting complete credit applications, identifying the real loan purpose and potential collateral to secure the loan.
* Investigate and develop direct consumer loan and contract credit applications, including interviewing applicants to obtain additional information, verification of employment and other credit history.
* Analyzing, examining, and evaluating credit applications. For training purposes, the Consumer Loan Officer Trainee will make credit recommendations to a Consumer Loan Officer whether to approve, decline or counteroffer both direct loan and contract credit applications.
* Consumer Loan Officer Trainee is expected to contribute as needed to every project at Reliable Credit and to work as necessary to meet our customers' needs and organizations success.
In addition to the job specific requirements above, the following requirements are expected of all members of the team:
* Consistently maintain a professional demeanor and communicate in a respectful and collaborative manner.
* Follow direction, is engaged and productive and is flexible and adaptable to changing conditions and expectations.
* Collaborate with and support other members of the company, customers, and dealers.
* Maintain punctual, regular, and reliable attendance.
* Demonstrate the Company's core values (Vision Statement) and complies with all Company policies and procedures.
* Complete all assigned training requirements.
Scope and Accountability:
* Incumbent's decisions and actions moderately impact the company's revenue and operations. Decisions and actions may have a moderate impact on reputation, and/or employee and customer satisfaction.
* Incumbent makes limited independent decisions, and actions are guided by clearly stated standards, parameters, and processes. Incumbent performs work under a normal level of supervision.
* Work under established guidelines and controls including Employee Handbook, Operations Manual, and internal guidelines and work procedures.
Qualifications
Knowledge, Skills, and Abilities:
* College degree preferred. May consider 2+ years of industry related experience,
and/or a combination of education, related experience, and/or training.
* Commitment to continuous learning with the ability to develop process, people, leadership, and management skills as a participant in our development program (if, and/or when program is available).
* Ability and desire to interact with a diverse customer base.
* Ability and desire to learn and accurately apply applicable laws and regulations required within the finance/credit/banking industry.
* Ability and desire to learn, effective credit underwriting, including approval, denial, and counteroffer of originating direct consumer loans and purchasing retail installment contracts from primarily automobiles dealers.
* Ability and desire to learn, effective negotiation and marketing skills
* Critical and inquisitive thinking, analytical skills, and attention to detail to draw out information and aide decision making.
* Solid understanding of the economics and risk elements related to financing.
* Ability to analyze and interpret financial data.
* Effective decision-making and negotiating skills.
* Ability and desire to learn and accurately apply applicable laws and regulations
* Ability and desire to learn and navigate multiple tasks, systems, and situations while working under pressure to meet deadlines. and to read and interpret manuals and guidelines.
* Organizational and time management skills.
* Professional verbal, written and interpersonal communication skills.
* Teamwork/Rapport building skills.
* Basic computer skills, including a general proficiency using Microsoft Office programs.
* Incumbents are required to obtain any necessary insurance licensing prior to
consummating loans with optional ancillary products.
* Willingness to be part of a development program with initial focus on our Credit Officer position. The Credit Officer position requires (1) sound loan and contract credit approval judgment, (2) being comfortable and effective in negotiating the purchase price of a retail installment contract from primarily automobile dealers, and (3) being comfortable and effective with inside and outside marketing to primarily automobile dealers.
* Bilingual (Spanish/English) is a plus.
Work Environment and Physical Demands:
The work environment and physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; and readily and effectively communicate. The employee must occasionally lift and/or move up to 15 pounds. Vision abilities required by this job include ability to effectively see within an office environment, which may include long term computer exposure, and to adjust focus accordingly.
The duties of the job are primarily performed in an office environment. There is some exposure to noise in the work environment, which is usually mild to moderate. The (insert job title) may at times require a limited amount of time doing outside sales primarily at automobile dealerships.
Disclaimer Language
The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Employees may be required to perform duties outside of their normal responsibilities from time-to-time, as needed.
Reliable Credit Association, Inc. is an equal opportunity employer that strives to create a diverse workforce and an inclusive culture.
Commercial Banking Credit Analyst / Assistant Relationship Manager
Credit analyst job in Seattle, WA
Job DescriptionDescription:
Northwest Bank serves the business and professional communities of Idaho, Oregon, Washington, and Utah. We were founded in 2008 with the belief that banks should partner with their customers to find creative financial solutions that work.
In order to achieve that goal, we need experienced Assistant Relationship Managers on our team. People who share our vision and values, know their customers and work tirelessly to deliver successful financial solutions.
Job Overview
The Assistant Relationship Manager (ARM) supports Relationship Managers (RMs) as a member of the client-facing production team. The ARM conducts credit analysis including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and plays a pivotal role in supporting a designated Relationship Manager (RM) to service existing clients and business development for new clients.
Requirements:
Essential Duties & Responsibilities
Perform assigned duties in accordance with the Bank's Mission, Vision and Core Values; provide the Bank's customers with timely, responsive and exceptional service in accordance with the Bank's customer service standards
Investigate, interpret and analyze credit reports
Develop key discussion points and questions to assist in analyzing loan opportunities
Support the Relationship Managers (RMs) and Loan Administrators to close loans
Spread and analyze financial statements and information to evaluate existing and projected company cash flow
Work with Loan Administration to determine necessary reports (UCC lien searches, title, insurance, appraisals / evaluations, environmental, flood, etc.)
Review independent appraisal and collateral exam reports
Develop list of key information necessary to support the loan approval process
Prepare detailed Credit Memorandums with defined Credit Quality Expectations and within Credit policies and procedures for review and approval
Make underwriting recommendations to the Relationship Manager, Market President, and Credit Administration, as appropriate
Assist in monitoring loans through timely collection of financial information / tickler management
Create and maintain customer files within defined bank standards
Attend customer meetings and provide written summary in underwriting and evaluating risk
Connect with loan applicants to ensure loan packages are complete
Participate in Credit Training to remain current on standards and expectations
Review portfolio reports to be informed of work flow, maturing loans (early identification of need for loan extensions), covenant compliance, etc.
Analyze/recommend line draws (via Borrowing Base Certificates, Construction Draws, etc.) as requested by RM
Support collection of past due accounts
Assist with the Know Your Customer (KYC) due diligence and new account onboarding for new clients
Assist with customer calls and marketing efforts
Maintain knowledge of and compliance with banking regulations
Required Qualifications:
Bachelor's degree in Business, Accounting, Finance, or related area; or equivalent work experience
Relevant experience analyzing business financial statements in the context of commercial banking, investment banking, or commercial real estate lending
Relevant experience with direct client interaction with businesses providing support related to financial services
Preferred Qualifications:
Experience with financial analysis software such as Moodys and Bukers
Proficiency using Windows-based operating systems (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis and for high-quality, professional presentations to clients and prospects
Thorough understanding of business cash flow and differing legal business structures
Experience working in a fast-paced environment where effectively managing multiple tasks and priorities is critical
Basic knowledge of risk analysis, economics, accounting, and finance practice
Strong relationship-building skills with demonstrated attributes that support a team-based environment
Thorough knowledge of lending policies and procedures preferred
Effective oral and written communication and time management skills
Basic knowledge of deposit and cash management banking products used by lower middle-market companies
Salary
75,000 - 90,000 annually DOE
Benefits
Northwest Bank also offers a competitive benefits package with a wide range of offerings, including:
Health Benefits: We offer two choices of medical plans, a dental plan, and a vision plan all at no cost for employee coverage; comprehensive benefits for employees and eligible dependents, including a spouse or domestic partner.
Short-Term Disability, Long-Term Disability and Life Insurance.
Employee Assistance Program.
Retirement Plans: 401k.
Paid Time Off: Employees accrue 21 days of paid time off annually with increases at five years of service.
Holidays: We observe 11 paid holidays per year.
ORCA Card: All full-time employees will receive an ORCA card at no cost.
Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and ability to adjust focus. While performing the duties of this job, the employee is regularly required to sit; use hands and talk or hear. The employee is occasionally required to walk; reach with hands and arms and stoop, kneel, crouch, or crawl.
Senior Collections Analyst
Credit analyst job in Seattle, WA
About us: Stanley - Built for Life since 1913.
Stanley 1913 has fueled the human experience since the iconic Stanley vacuum bottle revolutionized the way people enjoyed food and beverage. Today, our colorful and thoughtfully designed products including the popular QuencherTM series go beyond function, elevating everyday moments with style and empowering active lifestyles. We're a community of creators, builders and inventors who believe in creating sustainable products for a better life and world that minimize our impact on the planet. Learn more at ********************
Position Overview
Join the Bearforce as a Senior Collections Analyst where you will play a key role in optimizing the company's cash flow. In this role you will lead complex accounts, analyze aging reports, resolve billing discrepancies, strengthen customer relationships, and drive improvements in execution. You will work closely with Finance, Sales, Customer Service, and Logistics teams. This ensures accurate and timely transaction processing, effective reporting, and strong support for global central initiatives.
What You'll Do
Run a high-volume portfolio of accounts with a focus on reducing aging and improving DSO.
Conduct detailed analysis of customer payment behaviors, trends, and root causes of delinquency; recommend corrective actions.
Partner with internal teams to resolve billing issues, credit disputes, and account discrepancies.
Daily sales order hold review, monitoring and release activities to ensure risk mitigation while supporting order flow for product shipment.
Build and maintain accurate aging reports, forecasts, and collection metrics for leadership review.
Lead strategic outreach to past-due customers, including negotiation of payment plans and settlement terms.
Identify high-risk accounts and collaborate with Credit to assess exposure and escalate as needed.
Lead initiatives to enhance collections processes by increasing efficiency, automating workflows, and optimizing customer communication.
Build positive working relationships with internal and external customers.
Support monthly, quarterly, and year-end close activities related to receivables.
Contribute to team knowledge-sharing and guidelines.
Who You Are
Bachelor's degree or equivalent experience in finance or accounting preferable.
5+ years of collections, accounts receivable, credit, or financial operations experience; senior/advanced experience leading complex accounts preferred.
Strong command of Excel (VLOOKUP/XLOOKUP, pivot tables, formulas) and ERP/AR systems (SAP, Oracle, NetSuite, or similar).
Experience with collections or billing platforms; automation tools a plus.
Ability to analyze large data sets, identify trends, assess risk, and develop actionable insights.
Outstanding written and verbal communication skills; comfortable negotiating and influencing both internal collaborators and external customers.
Adept at investigating root causes, resolving disputes, and navigating complex billing scenarios.
Strong cross-functional partner with the ability to work closely with Finance, Sales, and Customer Service teams.
Lead multiple priorities with accuracy and urgency.
Ability to build positive relationships while driving accountability for payments.
Drive for continuous improvement, workflow optimization, and demonstrating systems to increase efficiency.
Stanley is committed to a diverse and inclusive work environment. Stanley is an equal opportunity employer and does not discriminate based on race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. For individuals with disabilities who would like to request an accommodation, please reach out to **************************.
Stanley is a total rewards company, which includes rewards beyond base salary. At Stanley, full-time employees are eligible for an annual bonus, based on company and individual results. In addition, we offer a variety of employee benefits, personalized time off, 14-Paid holidays, dental, vision, 401(k), and much more.
The base pay range for this position is for a successful candidate within the state listed. The successful candidate's actual pay will be based on multiple factors such as work location, job-related knowledge, skills, qualifications, and experience.
Salary Range$85,000-$105,000 USD
About our parent company: Morgan Street Holdings
Stanley 1913 is part of Morgan Street Holdings (formerly HAVI), a privately owned enterprise with a diverse portfolio of operating companies. These include HAVI Supply Chain, tms, Stanley 1913, and Continental, which provide best-in-class sourcing and supply chain capabilities, brand-defining marketing and promotion services, innovative consumer products, and dining and refreshment food solutions. Morgan Street Holdings employs over 10,000 people and serves 300+ customers across the globe.
Morgan Street Holdings supports Stanley 1913 with competitive pay and benefits, along with exposure to diverse industries and professional networking and development opportunities.
Auto-ApplyBusiness Banking Officer
Credit analyst job in Olympia, WA
* Reviews market information, networking opportunities, and other sources for business development leads. * Develops new prospects and customers for the financial institution by maintaining an organized business development effort including but not limited to calling on new and existing clients, utilizing a contact management program, and planning and documenting calls as appropriate.
* Fosters teamwork by conducting other business development activities such as but not limited to joint calling with branch staff and product specialists, attending community and networking events.
* Refers prospects and clients to other product specialists as appropriate including: treasury management, commercial banking, branch, and other personnel.
* Interviews applicants for business banking services, both credit and non-credit services.
* Discusses client needs, problems or complaints with client relationship stakeholders.
* Seeks to expand existing relationships with appropriate cross selling activities.
* Evaluates potential customer loan requests and makes loan recommendations, as appropriate, utilizing standardized forms and underwriting tools.
* Negotiates credit terms, such as costs, loan repayment methods and collateral, including customer pricing for products sold as consistent with policies and procedures, and to be competitive with the market.
* Stay current on lending regulations and necessary compliance procedures for both personal and business banking services.
* Packages loans for prospects and clients, and recommends loan terms and conditions, and packages non-credit services, or directs supporting staff in such activities as appropriate. Ensures document accuracy relative to approved credit facilities. Corresponds with legal counsel or other agents, as appropriate, and as necessary.
* Monitors client performance versus that expected, documenting material variance and information, and making risk rating changes as appropriate.
* Manages business banking relationships, as needed, and counsels customers and prospects on banking and non-banking strategies.
* Responsible for meeting sales volume and profitability goals, sales activities, and calling goals. Implements routines to acquire, deepen and retain commercial customers business, including uncovering the business customer's personal banking needs.
* Other duties, in addition to those above, as assigned.
Compliance:
All employees are accountable for compliance with all laws, regulations and adherence to established internal controls and procedures when performing their job duties. Each employee is expected to be familiar with the legal and regulatory requirements and internal controls affecting his or her job responsibilities. It is the affirmative duty of each employee to carry out these responsibilities at all times in a manner that complies with all applicable legal and regulatory requirements and internal controls. All employees shall be responsible for communicating upward, problems in operations, noncompliance with the code of conduct, or other policy violations or illegal actions. Employees must participate in required training on pertinent compliance laws and regulations as required by the Bank of the Pacific.
All employees will be committed to maintaining a high level of compliance with the Bank Secrecy Act and Anti Money Laundering, USA PATRIOT Act and Financial Recordkeeping regulations recognizing that all three acts are important tools in federal efforts to combat organized crime, terrorism and drug trafficking.
Education / Experience:
* Undergraduate degree in Business, Accounting, Finance or related field preferred, or High School Diploma with minimum of 3 years progressively responsible experience in small business lending.
* One to two years of experience, preferably in a financial institution or lending operation.
* Understanding of general bank policies bank regulations.
Skills / Knowledge / Abilities:
* Working knowledge of lending policies, compliance, and procedures.
* Extensive knowledge of retail banking services.
* Ability to deliver excellent customer service.
* Good communication, quantitative, and sales skills.
* Proficient in computer software common fulfilling the principal responsibilities of the job.
* Familiarity with on-line computer systems.
* Above average tact in dealing with community and peers.
* Strong professional appearance, dress, attitude, interpersonal and communications skills.
* Ability to perform independently and with minimal supervision.
* Manifests the values of the organization, particularly relative to peers and support staff.
* Organizational skills, resourceful with ability to work independent and follow through.
Working Conditions / Environment / Potential Hazards:
* While performing the duties of this job the employee regularly works in general office setting with a controlled climate.
* Work involves being able to concentrate on the matter at hand, sometimes managing distracting work conditions and frequent employee and customer contacts and interruptions during the day.
* Work requires regular attendance, punctuality and adherence to agreed-upon schedule with willingness to work additional hours as needed.
Physical Requirements:
* The employee is frequently required to stand, walk, type, and speak with internal and external customers for extended periods of time.
* Typically sitting at a desk or table; intermittently standing, stooping, bending at the waist, kneeling or crouching to file materials.
* Work may involve the constant use of computer screens.
* Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner, fax machine, and other office equipment including those related to completing banking services in the branches. Work requires dexterity of hands and fingers with repetitive wrist and hand motion.
* Occasional lifting 20 lbs (i.e., deposit bags, money trays, loan files, boxes)
Our Mission is simple, to be the best Bank for our employees, customers, investors and community.
At Bank of the Pacific, we are committed to delivering memorable service beyond the customer's expectation, to include both external and internal customers. We consistently demonstrate our values through teamwork, open communication, integrity, honesty and respect for others. Additionally, we will maintain a professional appearance through dress, conduct and an orderly work area. A successful candidate will possess these qualities and be enthusiastic, professional and of high ethics. They will embrace our Mission, Vision and Values and actively contribute to our success.
Our Core Values - We Care.
We consistently demonstrate this through:
Teamwork and open communication ~ Integrity, honesty and respect for others ~ Enthusiasm and positive recognition ~ Professionalism, initiative and innovation ~ Accountability, focused action and timely follow-through ~ Commitment to make our company a success
For your Benefit We Offer:
* Salary range for this position is $65,000 to $95,000 per year. The specific salary offered will depend on several factors including but not limited to applicant's knowledge, skills and experience relevant to the position.
* Eligible to participate in annual incentive plan.
* We offer a comprehensive healthcare benefit package that includes: Medical, Dental, Vision, EAP, LTD, STD, Group Life, VTL, AD&D, FSA, DCAP, LFSA, and HSA.
* Retirement Savings Plan through 401(k) with an additional Roth 401(k) option. We match 100% of your deferral up to 5% of eligible compensation.
* Wellness Dollars up to $500 per year.
* Weekend Wellness Hours, 4 per quarter.
* Paid Birthday and Anniversary Holiday
* 11 paid Holidays per Year
* Sick Leave Time - Earn up to 8 days each Year
* Vacation - 17 days each Year (first year adjusted based on hire)
* Vacation Purchase Plan
* Tuition Reimbursement
* Employee Banking Privileges and Special Loan Features.
All employees are responsible for internal controls in the performance of their assigned duties. Internal Control responsibilities are established in various policies, procedures, and documents including the Code of Conduct.
Bank of the Pacific is an Equal Opportunity Employer committed to diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, marital status, age, disability or protected veteran status.
Salary Range Disclaimer:
The base salary range represents the minimum and the maximum of Bank of the Pacific's salary range for this position. Actual salaries will vary depending on factors related to business needs and the employee's relevant knowledge, qualifications, experience, and job performance for the position.
Billing & Accounts Receivable Analyst
Credit analyst job in Seattle, WA
At PitchBook, a Morningstar company, we are always looking forward. We continue to innovate, evolve, and invest in ourselves to bring out the best in everyone. We're deeply collaborative and thrive on the excitement, energy, and fun that reverberates throughout the company.
Our extensive learning programs and mentorship opportunities help us create a culture of curiosity that pushes us to always find new solutions and better ways of doing things. The combination of a rapidly evolving industry and our high ambitions means there's going to be some ambiguity along the way, but we excel when we challenge ourselves. We're willing to take risks, fail fast, and do it all over again in the pursuit of excellence.
If you have a good attitude and are willing to roll up your sleeves to get things done, PitchBook is the place for you.
About the Role:
At PitchBook, employees are our customers, and customers are king! The Finance team handles everything “money” at PitchBook including accounting, quote-to-cash, payroll, compliance, and budgeting for our fast-paced and growing company. The team supports the growth of PitchBook by providing actionable insights on the company's financial health, all while working with a fun, energetic team!
The Billing & Collections Analyst is involved in all areas of the accounts receivable process. This ranges from assisting the sales teams with billing questions, invoicing clients, and reaching out to clients with past due invoices.
Primary Job Responsibilities:
Review contracts for revenue and billing compliance
Create invoice and revenue schedules for signed contracts
Collaborate with sales to address billing and customer set-up inquiries
Complete contract and billing updates and changes
Respond to customer and employee inquiries regarding billing and collections
Communicate remittance information to outsourced cash application team
Contact clients and resolve past-due invoices
Submit invoices in client AP portals
Support customer phone inquiries
Compile documentation for third party collection submissions
Ensure billing and collection notes are up to date and complete
Ensure clean master data through collaboration with corporate teams
Assist with month-end closing duties
Support the vision and values of the company through role modeling and encouraging desired behaviors
Participate in various company initiatives and projects as requested
Skills and Qualifications:
2+ years of previous successful experience in an Accounts Receivable role
Strong organizational skills with excellent attention to detail
Excellent communication skills, both written and verbal
Ability to work independently, under tight deadline at times, and in an ever changing/dynamic environment
Proficiency with Microsoft Office suite including in-depth knowledge of Outlook, Word, and Excel with the ability to pick up new systems and software easily
Benefits + Compensation at PitchBook:
Physical Health
Comprehensive health benefits
Additional medical wellness incentives
STD, LTD, AD&D, and life insurance
Emotional Health
Paid sabbatical program after four years
Paid family and paternity leave
Annual educational stipend
Ability to apply for tuition reimbursement
CFA exam stipend
Robust training programs on industry and soft skills
Employee assistance program
Generous allotment of vacation days, sick days, and volunteer days
Social Health
Matching gifts program
Employee resource groups
Subsidized emergency childcare
Dependent Care FSA
Company-wide events
Employee referral bonus program
Quarterly team building events
Financial Health
401k match
Shared ownership employee stock program
Monthly transportation stipend
*Please be aware the above PitchBook benefit and perk offerings are subject to corresponding plan and policy documents and may change during the course of your employment.
Compensation
This position is non-exempt and paid a salary of $70,000-$80,000
Target annual bonus percentage: 5%
Working Conditions:
At the heart of our company is a belief in the power of in-person collaboration. Being together in the office fuels our creativity, strengthens our connections, and drives the innovation that sets us apart. Our culture is built on spontaneous moments-those hallway conversations, whiteboard brainstorms, and shared celebrations in each of our global offices-that simply can't be replicated remotely. This role is expected to be in the office 5 days a week.
The job conditions for this position are in a standard office setting. Employees in this position use PC and phone on an on-going basis throughout the day. Limited corporate travel may be required to remote offices or other business meetings and events.
Life At PB:
We are consistently recognized as a Best Place to Work and our culture is at the heart of our success. It's our fundamental belief that people do and create great things and that people are the cornerstone of prosperity. We believe that proactively seeking out different points of view, listening to others, learning, and reflecting on what we've heard creates a sense of belonging within PitchBook and strengthens the PitchBook community.
We are excited to get to know you and your background. Concerned that you might not meet every requirement? We encourage you to still apply as you might be the right candidate for the role or other roles at PitchBook.
#LI-AD2
#LI-Onsite
Auto-ApplySenior Premier Banker Lake Stevens Marketplace
Credit analyst job in Lake Stevens, WA
Why Wells Fargo:
Are you looking for more? Find it here. At Wells Fargo, we're more than a financial services leader - we're a global trailblazer committed to driving innovation, empowering communities, and helping our customers succeed. We believe that a meaningful career is much more than just a job - it's about finding all of the elements to help you thrive, in one place. Living the Well Life means you're supported in life, not just work. It means having robust benefits, competitive compensation, and programs designed to help you find work-life balance and well-being. You'll be rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. And we're recognized for it - Wells Fargo once again ranked in the top three - making us the #1 financial services employer - on the 2025 LinkedIn Top Companies list of best workplaces “to grow your career” in the U.S. Join us!
About this role:
Wells Fargo is seeking a Senior Branch Premier Banker (SAFE) in Consumer and Small Business Banking, as part of Branch Banking. Learn more about the career areas and business divisions at wellsfargojobs.com. Upon required licensing and SAFE registration, the Senior Branch Premier Banker LP (SAFE) employee will transition to the Senior Branch Premier Banker (SAFE) role.
The following job profile is intended to provide a general sense of what Senior Branch Premier Bankers do; however, the day-to-day duties and responsibilities will differ from branch to branch and even banker to banker depending on several variables, including (but not limited to) years of experience, complement of clients serviced, banking services and options of various clients, and client needs.
In this role you will:
Employees who are not fully licensed at the time of hire will participate in the Branch Banking Licensed Banker licensing program as a Senior Branch Premier Banker LP (SAFE). This is a temporary position until employee has successfully completed licensing requirements. Upon successful completion, employees will transition to the Senior Branch Premier Banker (SAFE) role and perform the following duties:
Proactively acquire new affluent consumer and small business customers, and deepen existing relationships, through outreach and pre-planned appointments
Review and analyze moderately complex customer concerns for possible resolution though discretionary application of applicable resolution protocols
Escalate banking related issues or business risks that require an in-depth evaluation
Advise customers on various aspects of recommended and available financial options and services
Maintain deep knowledge and understanding of Wells Fargo's banking, credit and investment financial solutions and services
Identify client needs and goals for business, mortgage, retirement, and investment services, then partner closely with peers in Business Banking Advisory Services, Mortgage and Wealth and Investment Management to best meet the previously identified needs and goals, consistent with clients' overall financial circumstances and goals
Understand and manage risks in the business by adhering to policies, procedures and controls and ensuring compliance with applicable laws, rules, and regulations
Collect information directly from customers regarding income, assets, investments, and credit; analyze information to develop customized plans identifying Wells Fargo's banking options and services that will best meet customers' financial needs and goals
Build relationships with branch colleagues, affluent customers, and partners to acquire, deepen, and retain relationships, and to also help customers succeed financially
Exercise independent judgement and discretion in managing client relationships through regular meetings to review financial condition and goals, provide advice regarding banking services and options to meet changing circumstances
Be an active member of the branch team, including providing guidance to other branch employees on developing relationships and managing moderately complex to complex client needs
This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the SAFE. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below
Required Qualifications:
4+ years of customer service experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
3+ years of experience building and maintaining effective relationships with customers and partners
3+ years of experience recommending products and services
Desired Qualifications:
Financial services industry experience in one or a combination of the following: corporate, consumer, mortgage, investments, brokerage, or private banking
Experience recommending financial services products and services
Successfully completed FINRA Series 6 and 63 exams (or recognized FINRA equivalents) to qualify for immediate registration
State Insurance license(s)
3+ years of experience in a licensed financial services position
Customer service focus with experience handling complex transactions across multiple systems
Proficient with proactively sourcing, acquiring, building, and maintaining relationships with customers and colleagues
Excellent verbal, written, and interpersonal communication skills
Knowledge and understanding of book of business processes to actively manage a group of Wells Fargo customers to meet their needs and grow the business
Knowledge and understanding of Branch Banking compliance controls, risk management, and loss prevention
Ability to follow policies, procedures, and regulations
Ability to educate and connect customers to technology and share the value of self-service digital banking options
Experience using strong business acumen to provide financial services consultation to small business customers
Knowledge and understanding of financial services consumer lending products
Ability to interact with integrity and professionalism with customers and employees
High motivation with ability to successfully meet team objectives while maintaining individual performance
Experience mentoring and peer-coaching others
Job Expectations:
Ability to work a schedule that may include most Saturdays
Adherence to Wells Fargo sales practices risk management culture
Current registration for FINRA Series 6 and Series 63 (or FINRA recognized equivalents) is required for this role or must be completed within a specified period. For specific FINRA qualification exams obtained after 9/30/2018, the Securities Industry Essentials (SIE) exam co-requisite will be required
For the following states where hired, FINRA Series 65 (or equivalent) will also be required to be completed within a specified period: AK, AL, CT, DE, HI, IA, ID, IN, KS, MD, MI, MN, MS, MT, NC, ND, NE, NM, OR, SC, SD, TN, TX, UT, VA, WA, WI, and WY. The State of WY permits referral-only licensed bankers to receive the IAR registration without completing the Series 65/66 exam requirement. This list of states is subject to change and Series 65 (or equivalent) licensing requirement would be based on current state requirements during employment
State Insurance license(s) are required for this role and must be completed within a specified period
Licensing requirements and expected completion timeline determined by the number of licenses needed) will be communicated to the candidate upon offer acceptance
Obtaining and/or maintaining appropriate Financial Industry Regulatory Authority (FINRA) license(s) is required for ongoing employment in this position. Additional requirements include meeting enhanced financial fitness and criminal background standards. Wells Fargo will initiate the FINRA review process at the time of offer acceptance. This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) website (************************************************* provides the MU4R questions and registration required for employment in this position
Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness, and criminal background standards.
A current credit report will be used to assess your financial responsibility and credit fitness; however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary
This position is not eligible for Visa sponsorship
Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.
$37.00 - $65.50
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.
Health benefits
401(k) Plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance
Parental leave
Critical caregiving leave
Discounts and savings
Commuter benefits
Tuition reimbursement
Scholarships for dependent children
Adoption reimbursement
Posting End Date:
19 Dec 2025
*
Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
Auto-ApplySenior Banker
Credit analyst job in Everett, WA
Everett, Washington **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (*********************************************************************************
**:**
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.
One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.
Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.
Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!
Job Description:
This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines.
Responsibilities:
- Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities
- Assists, educates, and trains clients on conducting simple transactions through self-service technologies
- Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy
- Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping
- Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements
Required Qualifications:
- Has a minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment. In lieu of this requirement, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I), or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months.
- Is an enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client.
- Collaborates effectively to get things done, building and nurturing strong relationships.
- Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives.
- Is confident in identifying solutions for helping new and existing clients based on their needs.
- Has strong written and verbal communications skills.
- Is able to communicate effectively and confidently, and is comfortable engaging all clients (in-person and by phone).
- Has the ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances.
- Applies strong critical thinking and problem-solving skills to meet clients' needs.
- Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
- Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws).
- Can be flexible to work weekends and/or extended hours as needed.
Desired Qualifications:
- An Associate's Degree or Bachelor's Degree in business, finance, or a related field.
- Experience working in a financial center where goals were met or exceeded.
- Retail and/or sales experience in a salary plus incentive environment.
- Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded.
- Experience with financial information, spreadsheets and financial skills.
- Knowledge of banking products and services.
- Strong computer skills including Microsoft applications and previous experience utilizing laptop technology
Skills:
- Active Listening
- Business Acumen
- Customer and Client Focus
- Oral Communications
- Problem Solving
- Account Management
- Client Experience Branding
- Client Management
- Client Solutions Advisory
- Relationship Building
- Business Development
- Pipeline Management
- Prospecting
- Referral Identification
- Referral Management
Minimum Education Requirement:
- High School Diploma / GED / Secondary School or equivalent
**Shift:**
1st shift (United States of America)
**Hours Per Week:**
40
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
View your **"Know your Rights (************************************************************************************** "** poster.
**View the LA County Fair Chance Ordinance (************************************************************************************************** .**
Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.
Credit & Collections Specialist
Credit analyst job in Seattle, WA
Job Details 600 - Administrative Offices - Seattle, WA $26.00 - $28.00 Hourly
We are currently seeking an experienced Credit & Collections Specialist to join the Pacific Plumbing Supply team at our Headquarters in South Seattle!
Join us in the wholesale plumbing supply distribution business! Celebrating over 75 years in business, Pacific Plumbing Supply is a progressive, employee-driven, family-owned, and family-friendly business. We offer an exciting opportunity to start a long-term career!
We take pride in our employees. We train, pay a fair wage, and provide full benefits, including medical, dental, vision, and a robust 401 (k) retirement plan.
Requests and pursues payment on delinquent accounts via communication with the account holder
Release orders
Process credit card and ACH payments through our third-party provider
Work with customers and our related departments to resolve accounts receivable issues (short pays, deductions, reconciliation issues, etc.)
Back-up for full cycle job account set up, per company guidelines
Lien waiver completion
Monitor third-party lien waiver system
Complete ACH requests for customers once approved
Cross-train in multiple departmental functions such as setting up new cash accounts, processing and setting up new credit applications per company guidelines, job account setup, account maintenance, desktop deposit, A/R cash posting and third-party tax system.
Provide excellent customer service to customers and co-workers via phone, email and in-person
Perform other duties as assigned
Who we are looking for:
Associate's degree or equivalent years of experience preferred
At least 5 years of accounts receivable/credit experience required
Wholesale / construction industry experience preferred
Working knowledge of Microsoft Office Suite software
Epicor P21 ERP experience is a plus
Familiarity with standard accounting procedures
Strong math skills and the ability to reconcile accounts
Analytical ability and a high level of attention to detail
Effective organizational and prioritization skills
Ability to multitask and shift priorities as necessary
Ability to understand and follow established procedures
Effective written and verbal communication skills; Excellent phone etiquette skills
Ability to proactively identify issues and present options for solutions
Ability to effectively work as part of a team
Enthusiastic and positive attitude
Maintains a calm demeanor throughout dynamic situations
Maintains confidentiality
Desire to grow and learn and be challenged
Pacific Plumbing is an equal employment opportunity employer. We are a drug-free workplace, and all offers of employment are contingent on passing a pre-employment drug screen.
We look forward to having you become a part of our team!
Credit Officer - Construction Loans (Residential Development)
Credit analyst job in Kirkland, WA
Credit Officer - Construction Loans (Residential)
Kirkland, WA
A rapidly growing private real estate lender is hiring a Credit Officer to join their team. With $3B in loans funded, they continue to expand their footprint in residential lending.
In this role, you'll work closely with residential builders and developers to evaluate loan applications, assess borrower qualifications, and ensure alignment with company and investor guidelines. You'll collaborate with a credit team of five.
The ideal candidate brings deep experience in credit analysis, risk assessment, and real estate development. You'll be responsible for structuring and underwriting complex construction and bridge loans-making sound credit decisions that support the firm's growth while managing risk effectively.
Credit Officer Responsibilities:
Deal Vetting: Underwrite bridge and construction loans end-to-end, confirm inputs, and keep the file buttoned-up for audit.
Borrower & Project Diagnostics: Dig into financials, credit profile, budgets, comps, and assumptions to gauge ability to execute and repay.
Exposure Mapping & Mitigation: Pinpoint market, build, timeline, and exit risks; shape terms (reserves, covenants, collateral) to offset them.
Committee Briefings: Produce tight decision memos and risk snapshots; present and shepherd packages through leadership/credit review.
Controls & Requirements: Keep every deal aligned with internal credit frameworks, investor parameters, and applicable lending rules.
Partner Interface: Serve as the go-to between loan officers, borrowers, brokers, and internal teams to keep diligence unblocked.
C-Suite Initiatives: Support the Chief Credit Officer on ad-hoc analyses, portfolio looks, and priority special assignments.
Credit Officer Qualifications:
2+ years of mortgage/banking experience and/or related industry experience in construction, real estate and/or private equity.
Bachelor's degree in Finance, Real Estate, Business, or related field
Solid understanding of income property analysis and loan structuring.
Proficiency in Excel and familiarity with loan origination software.
Ability to work independently and thrive in a collaborative, fast-paced environment.
Company Benefits & Culture:
Annual bonuses
Employee home loan program
401k with a 3% match
Compensation: $95k-$115k + bonus
AmeriCredit Sr Credit Analyst I
Credit analyst job in Lynnwood, WA
Why AmeriCredit? We've spent the past 30+ years creating a culture that's second to none in the auto finance industry. Other employers only talk about their culture - we actually live it every day. It's the primary reason that approximately 50% of our team members have been here for more than 5 years. Sure, we could mention that AmeriCredit is a division of GM Financial, the wholly owned captive finance subsidiary of General Motors, a Fortune 50 company. That might be what attracts talent to our team but it's our culture that keeps them coming back.
Our culture is what has driven AmeriCredit success and what's allowed us to build strong, lasting relationships with our dealers and consumer customers that we serve. But mostly, our culture is what allows us to prioritize employee development, to create a diverse, equitable and inclusive environment and to enrich their professional experience where they can discover, thrive and belong.
If you are looking for an environment that welcomes new ideas, fosters integrity and creates a sense of community and belonging, AmeriCredit just might be your dream employer.
About the Role:
We are looking for energized business development partners to join our credit team. You will be responsible for developing relationships with our auto dealer partners, researching and analyzing credit risks, assessing credit history, and approving or denying extension of credit to potential customers. You will be trained and empowered to bring value to our dealer partners through our programs and negotiations. You will work collaboratively with our field sales team as well as other company departments to grow our business.
If you consider yourself a self-motivated, solutions-driven, relationship builder with a passion for auto finance; apply to be a part of the AmeriCredit Team today.
In this role you will:
* Analyze credit data to determine the degree of risk involved in extending credit
* Make decisions to approve or deny the extension of credit within set credit authority established by senior management and State/Federal laws
* Develop sufficient dealer relationships that ensure volume objectives and credit quality
* Drive to capture automotive finance contracts that meet AmeriCredit profitability criteria for pricing and performance
We have 2 openings for this role.
What makes you a dream candidate:
* Motivated to perform outbound telemarketing calls to the dealer customer
* Knowledge of sales, credit, and funding processes in consumer finance
* Fearless negotiation and sales skills necessary to develop and maintain productive dealer relationships
* Effective communication skills including verbal, written, and presentation
* Innovative thinker with strong ability for strategic vision
Experience
* High School Diploma or equivalent required.
* 2-3 years of underwriting/sales in the automotive industry preferred
What We Offer: Generous benefits package available on day one to include: 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay and nine company holidays
Our Culture: Our team members define and shape our culture - an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work - we thrive
Compensation: Competitive pay and bonus eligibility
Work Life Balance: Flexible hybrid work environment, 2-days a week in office
#LI-KAI1 #GMFjobs
Auto-ApplyRisk Management - Lead Credit Officer - Vice President
Credit analyst job in Seattle, WA
Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities.
As a Lead Credit Officer within the Credit Risk team, you will play a critical role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.
Job Responsibilities:
Oversee all aspects of credit analysis on commercial real estate/multifamily loans.
Evaluate and manage risks in complex transactions.
Serve as a back-up mentor for more junior Credit Analysts and Credit Officers
Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal.
Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements.
Apply data analysis techniques to interpret results and provide insights and recommendations to management.
Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools.
Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge.
Required Qualifications, Capabilities, and Skills:
Minimum 7+ years of experience in commercial real estate lending, credit analysis, or loan workouts.
Thorough understanding of multifamily real estate property valuations and cash flow analysis.
Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements.
Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail.
Excellent verbal/written communication and problem-solving skills.
Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed.
Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems.
Preferred Qualifications, Capabilities, and Skills:
Bachelor's degree in accounting, finance, economics, or real estate is preferred.
Experience as a loan underwriter in commercial real estate lending is highly desirable.
Familiarity with regional markets and municipal regulations.
Advanced degree in a related field.
Experience with proprietary credit risk management tools.
Auto-ApplyCommercial Banking Credit Analyst / Assistant Relationship Manager
Credit analyst job in Seattle, WA
Full-time Description
Northwest Bank serves the business and professional communities of Idaho, Oregon, Washington, and Utah. We were founded in 2008 with the belief that banks should partner with their customers to find creative financial solutions that work.
In order to achieve that goal, we need experienced Assistant Relationship Managers on our team. People who share our vision and values, know their customers and work tirelessly to deliver successful financial solutions.
Job Overview
The Assistant Relationship Manager (ARM) supports Relationship Managers (RMs) as a member of the client-facing production team. The ARM conducts credit analysis including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and plays a pivotal role in supporting a designated Relationship Manager (RM) to service existing clients and business development for new clients.
Requirements
Essential Duties & Responsibilities
Perform assigned duties in accordance with the Bank's Mission, Vision and Core Values; provide the Bank's customers with timely, responsive and exceptional service in accordance with the Bank's customer service standards
Investigate, interpret and analyze credit reports
Develop key discussion points and questions to assist in analyzing loan opportunities
Support the Relationship Managers (RMs) and Loan Administrators to close loans
Spread and analyze financial statements and information to evaluate existing and projected company cash flow
Work with Loan Administration to determine necessary reports (UCC lien searches, title, insurance, appraisals / evaluations, environmental, flood, etc.)
Review independent appraisal and collateral exam reports
Develop list of key information necessary to support the loan approval process
Prepare detailed Credit Memorandums with defined Credit Quality Expectations and within Credit policies and procedures for review and approval
Make underwriting recommendations to the Relationship Manager, Market President, and Credit Administration, as appropriate
Assist in monitoring loans through timely collection of financial information / tickler management
Create and maintain customer files within defined bank standards
Attend customer meetings and provide written summary in underwriting and evaluating risk
Connect with loan applicants to ensure loan packages are complete
Participate in Credit Training to remain current on standards and expectations
Review portfolio reports to be informed of work flow, maturing loans (early identification of need for loan extensions), covenant compliance, etc.
Analyze/recommend line draws (via Borrowing Base Certificates, Construction Draws, etc.) as requested by RM
Support collection of past due accounts
Assist with the Know Your Customer (KYC) due diligence and new account onboarding for new clients
Assist with customer calls and marketing efforts
Maintain knowledge of and compliance with banking regulations
Required Qualifications:
Bachelor's degree in Business, Accounting, Finance, or related area; or equivalent work experience
Relevant experience analyzing business financial statements in the context of commercial banking, investment banking, or commercial real estate lending
Relevant experience with direct client interaction with businesses providing support related to financial services
Preferred Qualifications:
Experience with financial analysis software such as Moodys and Bukers
Proficiency using Windows-based operating systems (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis and for high-quality, professional presentations to clients and prospects
Thorough understanding of business cash flow and differing legal business structures
Experience working in a fast-paced environment where effectively managing multiple tasks and priorities is critical
Basic knowledge of risk analysis, economics, accounting, and finance practice
Strong relationship-building skills with demonstrated attributes that support a team-based environment
Thorough knowledge of lending policies and procedures preferred
Effective oral and written communication and time management skills
Basic knowledge of deposit and cash management banking products used by lower middle-market companies
Salary
75,000 - 90,000 annually DOE
Benefits
Northwest Bank also offers a competitive benefits package with a wide range of offerings, including:
Health Benefits: We offer two choices of medical plans, a dental plan, and a vision plan all at no cost for employee coverage; comprehensive benefits for employees and eligible dependents, including a spouse or domestic partner.
Short-Term Disability, Long-Term Disability and Life Insurance.
Employee Assistance Program.
Retirement Plans: 401k.
Paid Time Off: Employees accrue 21 days of paid time off annually with increases at five years of service.
Holidays: We observe 11 paid holidays per year.
ORCA Card: All full-time employees will receive an ORCA card at no cost.
Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and ability to adjust focus. While performing the duties of this job, the employee is regularly required to sit; use hands and talk or hear. The employee is occasionally required to walk; reach with hands and arms and stoop, kneel, crouch, or crawl.
Salary Description 75,000 - 90,000 DOE