Credit Analyst Jobs in Seattle, WA

The primary responsibility will be supporting user security for multiple products, including overall access, user security and maintenance, page and field security, and participation in the future automation of an enterprise Identity Access Management (IAM) solution. This position reports to the IT Manager on the Student Systems and Support Team. Responsibilities/Duties Support/manage multiple medium-sized security project initiatives. Support daily operational security management activities. Manage security tickets/issues to resolution. Collaborate in designing, implementing, improving, and supporting “IAM” policies. Required Skills 7-10 years of Business Analysis and Process Engineering. 3-5 years of Student Information Systems. 5-7years Quality/Software Assurance. 3-5 years of exposure to Security/Identity and Access Management Framework, Processes and Tools. Requirements and Process Management & Documentation. Experience managing and maintaining user accounts & system access privileges. Familiar with ETL processes. Required Technical Skills Familiarity with multiple Operating Systems (Windows, Linux, etc.). Familiarity with security-related Directory Services (Active Directory, LDAP etc.). Experience working with Enterprise IAM tools. Proficiency with using Excel, data analysis macros, and writing/updating complex queries. Familiarity with understanding data, data models, and entity relationship diagrams/schemas. Technical configuration experience, especially supporting enterprise security tools and applications. Experience working with Enterprise Ticket/Issue tracking solutions. Experience working with Student Information Systems (SIS), K-12 Business Processes and Systems. Experience working with Microsoft SharePoint and Azure DevOps Required Qualifications 8+ years leading an IT operations team supporting enterprise-grade software systems. Systems administration and software applications technical support background. Change management experience. Team and relationship building and collaboration. Understand the needs of a best-practice and high-performing IT team. Understand the software development life cycle. Experience using a digital workflow product for incident, request, demand, resource management, automation, and user support requests. I.E., ServiceNow Leadership and people skills, team engagement (both work and non-work) Technical debt reduction Cloud hosting and migration Detail analysis and documentation. Planning skills, adaptability, decision making Bachelor's Degree Desired Qualifications Student Information Systems, preferably PowerSchool PMO Certification Experience executing a Kanban operation approach. ITIL certifications Agile certification IT security-related qualifications IT Information Systems Architecture experience IT Enterprise Architecture experience

Job Title: Account Receivable/Collection/ Finance Analyst Pay Rate: $26/hr on w2 Schedule: 8:00am - 5:00pm PST, Monday - Friday Mostly on-site with some potential for work from home Summary- Delivers specific delegated tasks assigned by a supervisor in the Financial Analysis job family. Responsible for analysis and interpretation of moderately complex financial information. Utilizing independent judgment and discretion, identifies trends, variances, and key issues and provides recommendations for adjustment. Responsible for conducting moderately complex financial analysis projects and/or reporting. Prepares financial reports and recommends improvements in financial reporting systems. May conduct audits to ensure financial controls are maintained. May design, enhance and maintain system applications for processing and reporting financial information. May administer risk management and loss prevention programs to maintain maximum protection of the organization's assets at the most economical rates. Completes day-to-day Financial Analysis tasks without immediate supervision, but has ready access to advice from more experienced team members. Tasks involve a degree of forward planning and anticipation of needs/issues. Resolves non-routine issues escalated from more junior team members. Customer service oriented with good communication and financial acumen skills. Comfortable working directly with customers on financial collections matters. Great excel skills to help consolidate data. Financial / accounting background required.

What We Do Parker Remick is a technology-focused, retained executive search firm. We help founders and top executives form entrepreneurial leadership teams that envision and build game-changing products. We've placed leaders in engineering, product management, and other top-level positions based in the US and 27 other countries to date. Our original research, analysis, insights, and relationships help clients make sound hiring decisions. Our people are united by a desire to build leadership teams that envision and create products and services that improve the world we share. We partner closely with our clients, providing best practices, tools, coaching, and access to the best candidates on the market to drive exceptional outcomes, no matter what. The Parker Remick team is passionate, dedicated, and embraces the hard work it takes to build great companies. As a firm, we do everything we can to make our clients wildly successful. Our work at Parker Remick is hiring great people, and we do the same for ourselves. We are extremely proud of our team. The Role Every successful search begins with an Analyst who drives talent identification, and consultants rely on an analyst's work to swiftly develop an outstanding candidate pool from which the client can fill a key leadership position. Analysts focus on finding the best technology executives for our consultants to meet and for our clients to interview. They gather, synthesize, and present information about the people, industries, products, and talent markets relevant to their search projects and turn that information into a steady flow of relevant people for consultants to contact. Analysts are staffed on multiple client engagements concurrently and across technical disciplines, while also contributing to ongoing projects both within research and across Parker Remick. You'll work closely with consultants and other analysts to uncover the best talent in the world for our clients. Analysts have the opportunity to be directly involved in a growing and successful boutique technology services firm, helping us stay at the forefront of executive search, and making it a great place to work. Since our inception, we have invested heavily in research, and our methods are continually redesigned, tested and improved. Many of our analysts have eventually become Principal Consultants and Partners at the firm. Please note: this role is not a data analyst role; much of the analysis you'll be doing is qualitative in nature. Who You Are Experienced researcher with rigorous qualitative projects under your belt Passionate about technology and the work our clients do Quick learner who enjoys acquiring knowledge in new subject areas Creative thinker who is analytically capable and intellectually curious Clear communicator who can present findings in a compelling fashion Strong believer in the value of partnership and teamwork Empathetic and proactive teammate who is flexible in a fast‐paced environment Able to work in a remote-first environment, ideally located in/around the Greater Seattle Area What You'll Do Create and own research strategy and execution across multiple client projects Utilize internal and external resources to identify the best leaders in technology Gather market intelligence to inform search strategy and client teams Innovate internally and help Parker Remick stay at the forefront of executive search Be a key contributor within an accomplished, growing and passionate team Interact with top companies and leading executives in the technology industry Develop your knowledge around the world of technology and venture capital Tackle unique projects to help Parker Remick and our clients grow Benefits The pay range for the Analyst position is $68,000 to $ 91,000 per year, which represents pay for those of varying levels of qualification and experience. Most new hires are hired lower in the pay range and provided opportunities to elevate pay over time. We also have a bonus program for project performance as well as yearly performance. Health, dental, and vision insurance effective the first day of the month following 30 days of continuous employment. At this time, Parker Remick covers all insurance premiums for employees who work at least 35 hours per week. Seven paid holidays per calendar year. Paid time off during company-wide shutdown between Christmas Day and New Year's Day. Employees who work a minimum of 20 hours or more per week are eligible to accrue up to 12 days of paid vacation time in the first year. After 6 months of employment, you may be eligible to participate in the Firm's 401(k) plan. One paid volunteer day per year. One paid social justice day per year. Remote-first approach. Parker Remick is an equal-opportunity employer. As an executive search firm, we know that incredible people come from a wide range of backgrounds and experiences. We celebrate the unique contributions of every member of our team and are committed to creating an inclusive environment for all of our employees. If you require assistance during the application process, please don't hesitate to reach out.

Piper Companies is seeking a Reverse Android Engineer for a highly desired company. The Reverse Android Engineer will conduct reverse engineering, security assessments, and code reviews. They conduct, collaborate, and assist with complex de-compilation, unpacking, code review, and potentially malicious mobile software reviews. This process is intended to lead to the detection of a code functionality that represents behavior types that threaten the personal security of users of applications available in the Google Play Store Responsibilities of the Reverse Android Engineer:· Review of applications and SDKs to detect malicious or inappropriate behavior by analyzing, unpacking and reverse engineering software that compromises Android devices. · Static and Dynamic Analysis· Experience with Reverse Engineering tools such as Jadx, Ghidra, Frida, IDA Pro, Burp, to perform binary and APK/SDK analysis· Code reviews for security policy violations, vulnerabilities, or improper coding practices· Experience with Java, Kotlin, JavaScript, and other mobile software languages. Qualifications for the Reverse Android Engineer:3-5 years of hands-on Android development and reverse engineering In depth understanding and experience in Android internals Techniques utilized by malicious software to tamper with user devices and make removal more difficult. Android Security TopicsMobile App store policies (Ads, PHAs, Developer, etc. ) Compensation for the Reverse Android engineer include:Salary Range: $110,000- 175,000Full benefits Keywords: #LI-ONSITE, #LI-JK1 encase, SANS, ftk, brute force, cyber, incident, response, breach, investigation, analysis, log, endpoint, detection, remediation, ransomware, dfir, malware, network, host, live box, dead box, host based, end point, digital forensics, security, RCA, Root cause analysis, forensics, DFIR, Autopsy, Xplico, SIFT, Investigative, Android, reverse, reverse engineering, malicious, app store, google, google play, mobile app, java, kotlin,

Title: Accounts Receivable Duration: 6 month contract Pay Rate: 28-32/hr Must Haves: 3+ years of accounts receivable collections experience Associates degree or equivalent combination of education and experience preferred Strong computer skills, including proficiency in Microsoft Office suite, especially Excel Experience with Oracle EBS is a big asset. Manufacturing experience preferred. Outstanding interpersonal communication and team skills, with a strong sense of urgency and ability to meet deadlines. Excellent attention to detail, organizational skills, and the ability to maintain confidentiality. Strong written and verbal communication Ability to organize and manage time efficiently and effectively Day to Day: An employer is looking for an AR Specialist in the Bellevue, WA area. This company is the world's largest developer and manufacturer of products for the measurement of salinity, temperature, pressure, dissolved oxygen, fluorescence, nutrients and related oceanographic parameters in marine waters. They offer products to support best-in-class oceanography and climate science. The purpose of this role is to provide high quality repair and preventative maintenance services and assemble new instruments for this company's equipment. As an AR Specialist, you will play a vital role in maintaining the financial health of the organization. Your responsibilities include managing and resolving past due accounts, negotiating payment plans, and ensuring accurate and timely processing of invoices. The AR Specialist will also address customer inquiries, reconcile accounts, and assist with daily cash applications and reporting, Responsibilities include but are not limited to: • Contact customers daily to resolve past due accounts and determine how to prevent future payment delays. • Negotiate payment plans with delinquent customers and monitor customer accounts on a daily basis to address and escalate potential issues. • Ensure accurate coding and processing of invoices for on-time payment and investigate and resolve discrepancies and problems with invoices and payments daily. • Address customer inquiries and requests with accuracy and urgency, acting as a liaison between the customer and the sales team to reconcile accounts and resolve disputes. • Reconcile RMA invoices and credits for returned and/or failed products from customers and maintain detailed documentation of customer interactions. • Assist with the daily application of incoming cash received as Wire, ACH, check, and credit card, and help with daily reporting as needed. • Build and maintain professional relationships with internal and external customers, communicating effectively via phone, email, or postal correspondence. Benefit packages for this role will start on the 31st day of employment and include medical, dental, and vision insurance, as well as HSA, FSA, and DCFSA account options, and 401k retirement account access with employer matching. Employees in this role are also entitled to paid sick leave and/or other paid time off as provided by applicable law .

Gusto is a modern, online people platform that helps small businesses take care of their teams. On top of full-service payroll, Gusto offers health insurance, 401(k)s, expert HR, and team management tools. Today, Gusto offices in Denver, San Francisco, and New York serve more than 300,000 businesses nationwide. Our mission is to create a world where work empowers a better life, and it starts right here at Gusto. That's why we're committed to building a collaborative and inclusive workplace, both physically and virtually. Learn more about our Total Rewards philosophy. About the Role: Are you a tax credit expert with a passion for helping small businesses? Join our Tax Credits team and shape the future of tax credit software. Your talents will be instrumental in delivering an exceptional customer experience for small businesses uncovering lucrative tax credits. You'll work directly with taxpayers, develop processes that enable our customers and teams, and use your knowledge of credits & customer interactions to inform technology developments. This is an exciting opportunity to join a dynamic team and make a real impact on small businesses all across America. About the Team: The Tax Credits team is on a mission to democratize tax credits and grants. We aim to make access to tax credits and grants ubiquitous for SMBs & business advisors, ensuring every business receives the financial support they deserve to fuel growth, innovation and long-term success. The Tax Credits Operations team is a collaborative team who are passionate about tax credits. As a member of the Customer Operations team at this stage in our journey, you will be a customer advocate and educator, simplifying a small business's experiences with tax credits. As a tax credits operator and expert, you'll have the opportunity to work directly on components of each customer's credit and use your experience to shape the direction of our product, process, and tools. Here's what you'll do day-to-day: Serve: Proactively & reactively resolve complex customer inquiries related to tax credits (e.g. R&D) Take ownership of customer outcomes, ensuring small businesses get great value out of the tax credits products that Gusto offers Educate: Educate yourself and others on tax credits, including R&D tax credits, 401K, WOTC, and other relevant incentives Operate: Roll up your sleeves and complete or quality control behind-the-scenes tasks (e.g. data review, calculations, uploads) that result in high quality credit forms and documents Develop: Create and inform solutions alongside the Tax Credits technical (EPDD) and service (CSM, CX) teams Continuously improve and iterate on processes and approach Collaborate: Work with team members to find creative customer solutions that are compliant and sustainable Partner across teams to inform and build tax credits product, process, and tools Here's what we're looking for: Experience. You have 5+ years of relevant work experience in investment banking, consulting, and/or business operations. Operational enterprise SaaS experience required. You have a degree in a quantitative field (e.g. Finance, Business, Engineering, Mathematics, etc.). Technical skills. You're an excel/sheets pro with the superpower to develop insightful models and quantitative analysis, paired with strong critical thinking and sound business judgment. You can deep dive into large data sets with SQL. Experience driving business processes in enterprise tools like Asana and Pigment. You are comfortable with data and analysis in Tableau, or other BI tools. Precision. You have sharp attention to detail with a natural feel for numbers and data, and have a high degree of accuracy in a fast-paced, results-oriented environment. You are able to tend to the blades of grass, while not losing sight of the broader landscape. Discipline & Attitude. You have impressive time management skills and ability to juggle multiple projects/tasks with multiple stakeholders while hitting deadlines on time sensitive projects. You are proactive and have a positive attitude with a can-do, service-oriented mentality. Our cash compensation amount for this role is $86,000/yr to $103,000/yr in Denver & most major metro locations, and $106,000yr to $125,000/yr for San Francisco & New York. Final offer amounts are determined by multiple factors including candidate location, experience and expertise and may vary from the amounts listed above. Gusto has physical office spaces in Denver, San Francisco, and New York City. Employees who are based in those locations will be expected to work from the office on designated days approximately 2-3 days per week (or more depending on role). The same office expectations apply to all Symmetry roles, Gusto's subsidiary, whose physical office is in Scottsdale. Note: The San Francisco office expectations encompass both the San Francisco and San Jose metro areas. When approved to work from a location other than a Gusto office, a secure, reliable, and consistent internet connection is required. Our customers come from all walks of life and so do we. We hire great people from a wide variety of backgrounds, not just because it's the right thing to do, but because it makes our company stronger. If you share our values and our enthusiasm for small businesses, you will find a home at Gusto. Gusto is proud to be an equal opportunity employer. We do not discriminate in hiring or any employment decision based on race, color, religion, national origin, age, sex (including pregnancy, childbirth, or related medical conditions), marital status, ancestry, physical or mental disability, genetic information, veteran status, gender identity or expression, sexual orientation, or other applicable legally protected characteristic. Gusto considers qualified applicants with criminal histories, consistent with applicable federal, state and local law. Gusto is also committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. We want to see our candidates perform to the best of their ability. If you require a medical or religious accommodation at any time throughout your candidate journey, please fill out this form and a member of our team will get in touch with you. Gusto takes security and protection of your personal information very seriously. Please review our Fraudulent Activity Disclaimer.

Redstone II - Mountlake Terrace, WA 4 Year Degree ***This position is located out of our Mountlake Terrace (Redstone II) office and is a full-time **in office** position.*** **A GREAT PLACE TO WORK AND BANK** Join our team! 1st Security Bank team members deliver service that "WOWs" each other and our customers. We value relationships, teamwork, community, and professional growth in a safe, friendly, and progressive workplace. We celebrate diversity and support equality for all. If you share these core values and are committed to career excellence, let us help you reach your dreams! If you are the type of individual that would enjoy working at one of the Puget Sound's Best Places to Work for 9 years in a row and focuseson providing an exceptional client experience, then 1st Security Bank is the place for you. 1st Security Bank was named a bronze medal winner in its class in the Puget Sound Business Journal's Best Workplaces contest in its first year nominated and is also consistently rated a 5 star Bank in Washington State by Bauer Financial, an independent bank rating firm. **POSITION SUMMARY:** Responsible for effectively conducting credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers and portfolios. You will work closely with and assist your respective Team Leader and Relationship Managers with analysis and underwriting of new loan applications and portfolio management. You will apply your strong credit skills to structure loans with low to moderate complexity, while balancing loan growth with strategic risk management to ensure default risk is appropriately mitigated. You will also utilize your excellent organization skills with continual monitoring of the loan portfolio to ensure credit files are complete and well-maintained and notifying the Relationship Manager, Team Leader and the CCO of any potential adverse information and financial trends. **ESSENTIAL DUTIES AND RESPONSIBILITIES** include the following: * Prepare and present credit requests to Team Leader, Relationship Managers, Credit Administration and loan committee for use in support of lending decisions on new loans, renewals of existing credit, and increased exposure to existing Clients. * Knowledge of commercial, construction and real estate credit analysis. * Maintain loan and portfolio credit quality through annual and quarterly covenant, risk rating and trend analysis. * Gather and analyze credit information on current and potential borrowers including preparation of financial statement spreads for borrowers and guarantors. * Assess liquidity, leverage, cash flow and contingent liabilities of businesses and individuals. * Research market for prospective clients. * Make joint calls on customers and prospects. * Prepare loan approval memorandums for new and existing clients, with oversight by Team Leader, Relationship Managers and Credit Administration. * Work in concert with Credit Administration, Relationship Managers and Team Leader to organize and manage a tickler system on all loan relationships. * Ability to prioritize and meet deadlines. * Ability to work well in a team environment that promotes inclusiveness and communication among team members. * Monitor customer's accounts and portfolios in order to maximize credit quality and minimize risk of potential loss. * Positive attitude and desire to learn. * Perform other duties as assigned. **YOU WILL BE ELIGIBLE FOR** * Full medical, dental, and vision coverage for individual or family plan. * Life insurance. * Long-term disability insurance. * 401K matching program. * Paid sick and vacation time. **OUR CORE VALUES** * ***Relationship Driven*** *-* we strive to "WOW" (surprise, excite and delight) each other and our customers. * ***Ethical* -** fair, honest and act with integrity. * ***Lead by Example****-* maintain a positive attitude, show respect for others, and have some fun! * ***Accountable***- we take our responsibilities seriously and we meet our commitments with urgency. * ***Team Player*** - dependable, enthusiastic contributor to team success and to the greater good of the bank. * ***Embrace Dreams*** - we encourage each other to reach for our dreams. * ***Diversity*** - we celebrate diversity and support equality for all. * ***Community Oriented*** - we actively support our communities and the Bank's CRA initiatives. * ***Open and Honest Communication***- always professional, responsive, and timely. **EDUCATION and/or EXPERIENCE** * Bachelor's Degree in Business, Finance, or Accounting and/or equivalent combination of education and experience. * Two to five years of experience in credit underwriting, loan structuring, credit policy analysis and portfolio management. * Two to five years of sales and customer service experience in the financial services industry. * Exposure to SBA products and procedures is a plus. * Thorough knowledge of applicable bank and branch policies, procedures, and support systems. * Well-developed analytical skills and attention to detail and accuracy. * Ability to work with minimal supervision while performing duties. * Ability to deal with normal challenges involving multiple facets and variables. * Demonstrated ability to make one-on-one and group presentations. * Ensures excellent internal and external client relations at all times. * Excellent interpersonal, verbal, and written communication skills. * Knowledge of the Bank Secrecy Act, Anti-Money Laundering and applicable policies, procedures and regulations that pertain to this position is required. * Proficient in Microsoft Office products and other database software. * Salary range reflects Credit Analyst I, II and III and is determined based on experience. **COMPUTER SKILLS** To perform this job successfully, an individual should be proficient in Microsoft Office products and other database software. **PHYSICAL DEMANDS AND WORK ENVIRONMENT** 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. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. * The employee will operate in a general office environment, using office equipment such as a telephone and a computer. * The noise level in the work environment is usually quiet to moderate as compared to a private office with light foot traffic and office equipment. The employee must be able and willing to interact frequently with the general public.

Fred Hutchinson Cancer Center is an independent, nonprofit organization providing adult cancer treatment and groundbreaking research focused on cancer and infectious diseases. Based in Seattle, Fred Hutch is the only National Cancer Institute-designated cancer center in Washington. With a track record of global leadership in bone marrow transplantation, HIV/AIDS prevention, immunotherapy and COVID-19 vaccines, Fred Hutch has earned a reputation as one of the world's leading cancer, infectious disease and biomedical research centers. Fred Hutch operates eight clinical care sites that provide medical oncology, infusion, radiation, proton therapy and related services, and network affiliations with hospitals in five states. Together, our fully integrated research and clinical care teams seek to discover new cures to the world's deadliest diseases and make life beyond cancer a reality. At Fred Hutch we value collaboration, compassion, determination, excellence, innovation, integrity and respect. These values are grounded in and expressed through the principles of diversity, equity and inclusion. Our mission is directly tied to the humanity, dignity and inherent value of each employee, patient, community member and supporter. Our commitment to learning across our differences and similarities make us stronger. We seek employees who bring different and innovative ways of seeing the world and solving problems. Fred Hutch is in pursuit of becoming an anti-racist organization. We are committed to ensuring that all candidates hired share our commitment to diversity, anti-racism and inclusion. The Refund/Credit Specialist is responsible for the daily review and identifying of credits for Commercial Insurance and Patient Payments for resolution. This process is in combination of reviewing patient accounts, insurance payment remits, insurance refund request letters and patient refund requests. Responsibilities Investigate insurance and patient overpayments to determine proper resolution which could include refund, redistribution of funds or adjustment. Analyze, research and answer refund questions. Ensure correct reimbursement rates are reflected before refunding insurance overpayments. Review insurance request letters daily and forwarding qualifying letters to Payer Audit Analyst for review. Identify insurance refund requests that are for Government payers and forward to Government Follow-up team for review. Work with Case Rate team to refund commercial payments incorrectly paid on Transplant claims. Review credits in work queues. Identify patient overpayments and process refunds with appropriate backup within 90 days of posting to account. Use insurance Explanation of Benefits to determine payment and contractual adjustment for Hospital Account Record (HAR) corrections. Identity overpayments and process refunds to commercial insurance payers through payer portals or check request. Use insurance payer portal to obtain explanation of benefits to verify balances. Track trends from insurance requests and bring visible for discussion with team and Supervisor. Contact insurance companies to validate or dispute refund requests. Maintain open communication with Accounts payable team for Void Check / Stop Pay requests for returned checks from insurance and patients. Collaborate with other internal teams to resolve credit balances. Maintain knowledge of contracted insurance expected reimbursement rates and timely overpayment refund guidelines. Perform other duties as assigned. Qualifications Required: High school graduate or equivalent. One year of revenue experience. Understanding of debits and credits. Ability to read/understand explanation of benefits (EOB). Ability to use a computer keyboard and mouse, navigate computer programs, and use email in a business setting. Ability to communicate verbally in person, on the phone, and in writing in a clear and concise manner. Strong problem solving and researching skills. Preferred: Experience in a Hospital Account Follow-up position. Customer Service background working in a Hospital Revenue Cycle setting. Knowledge of Medicare CMS guidelines and PPO Exempt regulations for reviewing Medicare Advantage programs. A statement describing your commitment and contributions toward greater diversity, equity, inclusion, and antiracism in your career or that will be made through your work at Fred Hutch is requested of all finalists. The hourly pay range for this position is from $25.22 to $35.90 and pay offered will be based on experience and qualifications. Fred Hutchinson Cancer Center offers employees a comprehensive benefits package designed to enhance health, well-being, and financial security. Benefits include medical/vision, dental, flexible spending accounts, life, disability, retirement, family life support, employee assistance program, onsite health clinic, tuition reimbursement, paid vacation (12-22 days per year), paid sick leave (12-25 days per year), paid holidays (13 days per year), paid parental leave (up to 4 weeks), and partially paid sabbatical leave (up to 6 months). Our Commitment to Diversity We are proud to be an Equal Employment Opportunity (EEO) and Vietnam Era Veterans Readjustment Assistance Act (VEVRAA) Employer. We are committed to cultivating a workplace in which diverse perspectives and experiences are welcomed and respected. We do not discriminate on the basis of race, color, religion, creed, ancestry, national origin, sex, age, disability (physical or mental), marital or veteran status, genetic information, sexual orientation, gender identity, political ideology, or membership in any other legally protected class. We are an Affirmative Action employer. We encourage individuals with diverse backgrounds to apply and desire priority referrals of protected veterans. If due to a disability you need assistance/and or a reasonable accommodation during the application or recruiting process, please send a request to Human Resources at ******************* or by calling ************.

Job Details Experienced Redstone II - Mountlake Terrace, WA Full Time 4 Year Degree $28.85 - $48.08 Hourly Day BankingDescription **This position is located out of our Mountlake Terrace (Redstone II) office and is a full-time in office position.** A GREAT PLACE TO WORK AND BANK Join our team! 1st Security Bank team members deliver service that "WOWs" each other and our customers. We value relationships, teamwork, community, and professional growth in a safe, friendly, and progressive workplace. We celebrate diversity and support equality for all. If you share these core values and are committed to career excellence, let us help you reach your dreams! If you are the type of individual that would enjoy working at one of the Puget Sound's Best Places to Work for 9 years in a row and focuses on providing an exceptional client experience, then 1st Security Bank is the place for you. 1st Security Bank was named a bronze medal winner in its class in the Puget Sound Business Journal's Best Workplaces contest in its first year nominated and is also consistently rated a 5 star Bank in Washington State by Bauer Financial, an independent bank rating firm. POSITION SUMMARY: Responsible for effectively conducting credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers and portfolios. You will work closely with and assist your respective Team Leader and Relationship Managers with analysis and underwriting of new loan applications and portfolio management. You will apply your strong credit skills to structure loans with low to moderate complexity, while balancing loan growth with strategic risk management to ensure default risk is appropriately mitigated. You will also utilize your excellent organization skills with continual monitoring of the loan portfolio to ensure credit files are complete and well-maintained and notifying the Relationship Manager, Team Leader and the CCO of any potential adverse information and financial trends. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following: Prepare and present credit requests to Team Leader, Relationship Managers, Credit Administration and loan committee for use in support of lending decisions on new loans, renewals of existing credit, and increased exposure to existing Clients. Knowledge of commercial, construction and real estate credit analysis. Maintain loan and portfolio credit quality through annual and quarterly covenant, risk rating and trend analysis. Gather and analyze credit information on current and potential borrowers including preparation of financial statement spreads for borrowers and guarantors. Assess liquidity, leverage, cash flow and contingent liabilities of businesses and individuals. Research market for prospective clients. Make joint calls on customers and prospects. Prepare loan approval memorandums for new and existing clients, with oversight by Team Leader, Relationship Managers and Credit Administration. Work in concert with Credit Administration, Relationship Managers and Team Leader to organize and manage a tickler system on all loan relationships. Ability to prioritize and meet deadlines. Ability to work well in a team environment that promotes inclusiveness and communication among team members. Monitor customer's accounts and portfolios in order to maximize credit quality and minimize risk of potential loss. Positive attitude and desire to learn. Perform other duties as assigned. YOU WILL BE ELIGIBLE FOR Full medical, dental, and vision coverage for individual or family plan. Life insurance. Long-term disability insurance. 401K matching program. Paid sick and vacation time. OUR CORE VALUES Relationship Driven - we strive to "WOW" (surprise, excite and delight) each other and our customers. Ethical - fair, honest and act with integrity. Lead by Example - maintain a positive attitude, show respect for others, and have some fun! Accountable - we take our responsibilities seriously and we meet our commitments with urgency. Team Player - dependable, enthusiastic contributor to team success and to the greater good of the bank. Embrace Dreams - we encourage each other to reach for our dreams. Diversity - we celebrate diversity and support equality for all. Community Oriented - we actively support our communities and the Bank's CRA initiatives. Open and Honest Communication - always professional, responsive, and timely. Qualifications EDUCATION and/or EXPERIENCE Bachelor's Degree in Business, Finance, or Accounting and/or equivalent combination of education and experience. Two to five years of experience in credit underwriting, loan structuring, credit policy analysis and portfolio management. Two to five years of sales and customer service experience in the financial services industry. Exposure to SBA products and procedures is a plus. Thorough knowledge of applicable bank and branch policies, procedures, and support systems. Well-developed analytical skills and attention to detail and accuracy. Ability to work with minimal supervision while performing duties. Ability to deal with normal challenges involving multiple facets and variables. Demonstrated ability to make one-on-one and group presentations. Ensures excellent internal and external client relations at all times. Excellent interpersonal, verbal, and written communication skills. Knowledge of the Bank Secrecy Act, Anti-Money Laundering and applicable policies, procedures and regulations that pertain to this position is required. Proficient in Microsoft Office products and other database software. Salary range reflects Credit Analyst I, II and III and is determined based on experience. COMPUTER SKILLS To perform this job successfully, an individual should be proficient in Microsoft Office products and other database software. PHYSICAL DEMANDS AND WORK ENVIRONMENT 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. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee will operate in a general office environment, using office equipment such as a telephone and a computer. The noise level in the work environment is usually quiet to moderate as compared to a private office with light foot traffic and office equipment. The employee must be able and willing to interact frequently with the general public.

**Base Salary Range:** Level I - $28.68 - $35.85 - $43.02 per hour Level II - $72,180.00 - $90,230.00 - $108,270.00 annual Depending on qualifications and experience Credit Analyst I or II may be considered. At Heritage Bank, we work hard, but also know how important it is to take time off to stay healthy, relax, and spend time doing what makes your heart happy! As part of our team you'll enjoy a total rewards package, which includes base salary based on the role, experience, and skill set, along with an exceptional benefits package (medical, dental, vision, life insurance, 401(k), community volunteer time), and generous time off policy. Full-time team members receive a minimum of 10 paid vacation days annually* and eight hours of paid sick leave per month*, while also enjoying 11 paid holidays each calendar year, and an annual float day. **pro-rated from start date and/or hours worked.* ***To view Benefits Summary:** Apply > Current Openings > position > attachment.* **Position Overview:** Heritage Bank currently has an exciting opportunity to join our organization! We are looking for an experienced **Credit Analyst** at our Everett, WA office**.** The **Credit Analyst** will beresponsible for assisting Commercial Bankers in underwriting credits, portfolio management, maintenance, and customer service for an assigned portfolio of commercial accounts. Additionally, this position will assist to ensure compliance with all policies, procedures and regulations, and the accurate and timely delivery of documents for closing the loan. This position is relied upon to independently manage a small portfolio and prepare a thorough analysis of all aspects of a credit, including the preparation of financial spreads and projections in conformance with established Bank policies and procedures, for new loan requests, renewals and annual reviews, and responds to customer inquiries related to the lending process in a timely and accurate manner. **The successful candidate will be able to:** * Provide an exceptional level of customer service around all aspects of the banking relationship with a focus on the credit aspects in conjunction with the Commercial Banker assigned to the relationship. * Independently interacts with prospective and existing clients to collect financial statements, tax returns, and other applicable information, to include, but is not limited to account receivables aging's, account payable aging's, rent rolls, operating statements, leases, corporate documents, and environmental reports. * Independently complete and/or coordinate with Credit Administration, financial statement spreading and cash flow/global cash flow analysis, as requested and needed. * Identify loan purpose, source of repayment, collateral value/priority, and full written analysis of all credit elements within the credit memorandum (SCM). * Participate in presentations/meetings with credit administration to negotiate structuring, pricing and edits needed to highlight and or partially mitigate credit risks. * Track loan agreement compliance, covenant monitoring, borrowing base certificates and financial reporting, via use of the lending tickler system. Ensure timely and accurate follow up. * Analyze financial and other information and complete file memos or written analysis to document trends and, where necessary, report and/or gain credit approval for action taken on Loan Agreement violations. * Independently interacts with customers to collect information needed to complete loan renewals ahead of loan maturity dates, to include information needed to order new property appraisals, as applicable. * Participate in the construction administration process by collecting and reviewing required information for monthly draws in conjunction with the RECAD team. * Comply with governing regulations by maintaining current knowledge of commercial law, UCC and Banking regulations and policies to ensure conformity with required laws and terms. * Accompany Commercial Banking Officer on business calls and/or site visits, as requested. **Requirements:** * High School Diploma or equivalent - required. Bachelor's degree in Business Administration, Finance, Economics, Marketing or relevant discipline - required. MBA preferred. * **Level I** 1 year recent experience in a commercial lending support and/or credit analyst role, in the financial services industry - preferred. * **Level II** 3 - 5 years of recent commercial credit underwriting experience, which includes financial statement analysis, cash flow analysis, collateral evaluation and loan structuring in a commercial banking environment - required. C & I experience - desired. * Completion of a formal credit training program - highly desired. * Equivalent combination of education, formal credit training and relevant experience may be considered. * Provides an exceptional level of quality service for internal/external customers; responds to customers' needs, questions and concerns in an accurate, effective, and timely manner. * Excellent listening, verbal, written and telephone etiquette business communication skills, with the ability to communicate outstanding/follow up issues over the phone, in person and via email; effective presentation skills, with the ability to read, write, speak and understand English well. * Working knowledge of accounting and finance theory and practices, including Generally Accepted Accounting Principles, taxation, legal forms of organizations, and business law. * Ability to interpret financial statements/spreads (including cash flow, balance sheet, and profitability), and present facts and offer opinions concerning credit worthiness. * Knowledge of financial modeling techniques, and ability to identify recurring and non-recurring sources of cash flow and guarantors' ability to service debt. * Knowledge and experience interpreting credit reports and industry financial information averages. * Working knowledge and experience of lending practices, collateral perfection, loan documentation, disclosures, terminology, and legal documents. * Ability to understand and apply principles, procedures, compliance requirements, federal/state regulations, and policies related to assigned area, as well as the Bank's policies, procedures, products, and services. * Strong organizational, time management, data review and processing skills; with the ability to identify and resolve exceptions and interpret data in a timely manner. * Demonstrated analytical and problem-solving skills with excellent attention to detail and a strong focus on accuracy. * Demonstrated ability to quickly focus on key issues and make decisions under pressure of time constraints and/or competing deadlines with minimal direction and oversight. * Unquestionable integrity in handling sensitive and confidential information required. * Proficient use and understanding of MS Office products (Word, Excel, Outlook), with the ability to learn and adapt to new technologies quickly and gain working knowledge of financial services loan systems and credit software applications - required. * Travel may be required for customer meetings and/or participation in site visits; valid driver's license and proof of insurance. **Working Environment/Conditions:** * Climate controlled office environment. * Occasionally exposed to outdoor weather conditions. * Work involves being able to concentrate on the matter at hand, under sometimes 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 a flexible and/or rotating schedule and or extended hours, as needed. **Physical Demands/Effort:** * Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner and facsimile which often requires dexterity of hands and fingers with repetitive wrist and hand m

**Title** **Commercial Credit Officer** **Experience** 10+ Years **Location** Seattle, WA, United States The Bank is hiring a **Commercial Credit Officer** who will **provide expert-level advisory guidance in the most complex, integrated debt capital solutions** for commercial banking clients. The products include lines of credit, term loans, real estate loans, and syndicated loans. **Job Highlights** **Type** Full Time (1st shift) **Function** Consultation/Banking **Company** Bank of America **Company Profile** **Bank of America** is one of the world's largest financial institutions, serving individuals, small- and middle-market businesses, and large corporations with a full range of banking, investing, asset management, and other financial and risk management products and services. **Job Profile** Manages all of the ancillary credit exposure to clients. Maintains knowledge of other Bank of America products including Investment Banking and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect. Reports to the Commercial Credit Manager or Executive and will be aligned to an Underwriting Team that supports the market. **Education Level** * **BA/BS Degree** (preferred) **Work Experience** * **10+ years of solid commercial banking experience** * Experience in financial analysis, structuring, underwriting, and portfolio management specifically in Middle Market/Business Banking **Duties/Responsibilities** * Builds relationships with existing and prospective clients * Leads the credit and risk approval processes * Manages the credit process for a portfolio of clients * Mentors and supports associates * Negotiates credit documentation * Provides capital structure solutions **Skills/Knowledge/Abilities** * Account Management * Analytical Thinking * Client Solutions Advisory * Coaching * Collaboration * Credit and Risk Assessment * Credit Documentation Requirements * Critical Thinking * Customer and Client Focus * Decision Making * Financial Analysis * Issue Management * Loan Structuring * Risk Management * Underwriting **Benefits/Perks** * The bank offers a variety of competitive programs and benefits that support your physical, emotional, and financial wellness both at work and at home. **Employer's Statement** Bank of America (including affiliates) is an Equal Opportunity Employer. The bank considers all 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.

* **Please wait...** **Location:** Bellevue, WA, US, 98004 PACCAR is a Fortune 500 company recognized as a global leader in the commercial vehicle, financial, and customer service fields with internationally recognized brands such as Kenworth, Peterbilt, and DAF trucks. PACCAR is a global technology leader in the design, manufacture and customer support of high-quality light-, medium- and heavy-duty trucks under the Kenworth, Peterbilt and DAF nameplates. PACCAR designs and manufactures advanced diesel engines and also provides customized financial services, information technology and truck parts related to its principal business. We're investing in sustainability for the long haul. We are a purpose-led, values-driven company that believes the work we do today makes a difference tomorrow. Whether you are starting out your career or continuing to build upon one, PACCAR provides opportunities for both! Join a community of professionals that is helping build the best in industry products and services that keep our communities running! PACCAR Financial is seeking a Credit Analyst to join our team. The position will be located either at our Bellevue, WA or Lewisville, TX location. This analyst will perform credit analysis and underwriting of potential loan and lease customers in the Western United States. The position involves working closely with our Sales Team and Dealer Network, to ensure sound decision-making, while promoting the sale and financing of PACCAR products. We are looking for a motivated team player, with a demonstrated drive to develop and work in a fast-paced environment. **Job Functions / Responsibilities** * Performs credit analysis on end-user financing customers, incorporating company policies, promotions and programs into the decision-making process, with the goal of fostering the sale of PACCAR products. * Reviews and approves, modifies or declines retail collateralized transactions within established credit authority, and communicates decisions to the dealer. * Responsible for timely and accurate disposition of all assigned credit proposals. * Makes recommendations to management on proposals beyond the analyst's credit authority. * Prepares fleet credit proposals for management review as assigned. * Actively participates in evaluating customer credit quality and ongoing financial stability. * Performs retail and wholesale financial analysis as assigned. **Qualifications & Skills** * 3+ years of commercial underwriting or related experience. Knowledge of credit and finance functions a bonus * Must possess strong analytical and decision-making skills. * Demonstrated oral communication and negotiating skills. * Financial statement analysis and interpretation skills. * Heavy equipment or commercial lending and dealer network experience are highly desired. * Strong business writing skills. **Benefits** As a U.S. PACCAR employee, you have a full range of benefit options including: * 401k with up to a 5% company match * Fully funded pension plan that provides monthly benefits after retirement * Comprehensive paid time off - minimum of 10 paid vacation days (additional days are provided with additional seniority/years of service), 12 paid holidays, and sick time * Tuition reimbursement for continued education * Medical, dental, and vision plans for you and your family * Flexible spending accounts (FSA) and health savings accounts (HSA) * Paid short-and long-term disability programs * Life and accidental death and dismemberment insurance * EAP services including wellness plans, estate planning, financial counseling and more **Education** * BA/BS degree in finance, business or related field required; * MBA or equivalent experience preferred. PACCAR is an E-Verify and Equal Opportunity Employer/Protected Veteran/Disability. At PACCAR, we value talent and promote growth and development. We carefully consider numerous compensation factors including your education, training, or experience. The salary range for Credit Analyst is $75,100-$ 112,300 annually. Additionally, this role is eligible for the full range of benefit options listed above. #LI-SJ1 **Job Segment:** Credit, Underwriter, Credit Analyst, Retail Sales, Finance, Insurance, Retail, Customer Service Provider Description Enabled SAP as service provider * "route" is used for session stickiness * "career SiteCompanyId" is used to send the request to the correct data center * "JSESSIONID" is placed on the visitor's device during the session so the server can identify the visitor * "Load balancer cookie" (actual cookie name may vary) prevents a visitor from bouncing from one instance to another Provider Description Enabled Vimeo YouTube Provider Description Enabled LinkedIn

Base Salary Range: $28.68 - $35.85 - $43.02 per hour At Heritage Bank, we work hard, but also know how important it is to take time off to stay healthy, relax, and spend time doing what makes your heart happy! As part of our team you'll enjoy a total rewards package, which includes base salary based on the role, experience, and skill set, along with an exceptional benefits package (medical, dental, vision, life insurance, 401(k), community volunteer time), and generous time off policy. Full-time team members receive a minimum of 10 paid vacation days annually* and eight hours of paid sick leave per month*, while also enjoying 11 paid holidays each calendar year, and an annual float day. *pro-rated from start date and/or hours worked. To view Benefits Summary: Apply > Current Openings > position > attachment. Position Overview: Heritage Bank currently has an exciting opportunity to join our organization! We are looking for a Credit Analyst at our Downtown Bellevue, WA office. The Credit Analyst will be responsible for assisting Commercial Bankers in underwriting credits, portfolio management, maintenance, and customer service for an assigned portfolio of commercial accounts. Additionally, this position will assist to ensure compliance with all policies, procedures and regulations, and the accurate and timely delivery of documents for closing the loan. This position is relied upon to independently manage a small portfolio and prepare a thorough analysis of all aspects of a credit, including the preparation of financial spreads and projections in conformance with established Bank policies and procedures, for new loan requests, renewals and annual reviews, and responds to customer inquiries related to the lending process in a timely and accurate manner. The successful candidate will be able to: * Provide an exceptional level of customer service around all aspects of the banking relationship with a focus on the credit aspects in conjunction with the Commercial Banker assigned to the relationship. * Independently interacts with prospective and existing clients to collect financial statements, tax returns, and other applicable information, to include, but is not limited to account receivables aging's, account payable aging's, rent rolls, operating statements, leases, corporate documents, and environmental reports. * Independently complete and/or coordinate with Credit Administration, financial statement spreading and cash flow/global cash flow analysis, as requested and needed. * Identify loan purpose, source of repayment, collateral value/priority, and full written analysis of all credit elements within the credit memorandum (SCM). * Participate in presentations/meetings with credit administration to negotiate structuring, pricing and edits needed to highlight and or partially mitigate credit risks. * Track loan agreement compliance, covenant monitoring, borrowing base certificates and financial reporting, via use of the lending tickler system. Ensure timely and accurate follow up. * Analyze financial and other information and complete file memos or written analysis to document trends and, where necessary, report and/or gain credit approval for action taken on Loan Agreement violations. * Independently interacts with customers to collect information needed to complete loan renewals ahead of loan maturity dates, to include information needed to order new property appraisals, as applicable. * Participate in the construction administration process by collecting and reviewing required information for monthly draws in conjunction with the RECAD team. * Comply with governing regulations by maintaining current knowledge of commercial law, UCC and Banking regulations and policies to ensure conformity with required laws and terms. * Accompany Commercial Banking Officer on business calls and/or site visits, as requested. Requirements: * High School Diploma or equivalent - required. Bachelor's degree in Business Administration, Finance, Economics, Marketing or relevant discipline - required. MBA preferred. * 1 year recent experience in a commercial lending support and/or credit analyst role, in the financial services industry - preferred. * Completion of a formal credit training program - highly desired. * Equivalent combination of education, formal credit training and relevant experience may be considered. * Provides an exceptional level of quality service for internal/external customers; responds to customers' needs, questions and concerns in an accurate, effective, and timely manner. * Excellent listening, verbal, written and telephone etiquette business communication skills, with the ability to communicate outstanding/follow up issues over the phone, in person and via email; effective presentation skills, with the ability to read, write, speak and understand English well. * Working knowledge of accounting and finance theory and practices, including Generally Accepted Accounting Principles, taxation, legal forms of organizations, and business law. * Ability to interpret financial statements/spreads (including cash flow, balance sheet, and profitability), and present facts and offer opinions concerning credit worthiness. * Knowledge of financial modeling techniques, and ability to identify recurring and non-recurring sources of cash flow and guarantors' ability to service debt. * Knowledge and experience interpreting credit reports and industry financial information averages. * Working knowledge and experience of lending practices, collateral perfection, loan documentation, disclosures, terminology, and legal documents. * Ability to understand and apply principles, procedures, compliance requirements, federal/state regulations, and policies related to assigned area, as well as the Bank's policies, procedures, products, and services. * Strong organizational, time management, data review and processing skills; with the ability to identify and resolve exceptions and interpret data in a timely manner. * Demonstrated analytical and problem-solving skills with excellent attention to detail and a strong focus on accuracy. * Demonstrated ability to quickly focus on key issues and make decisions under pressure of time constraints and/or competing deadlines with minimal direction and oversight. * Unquestionable integrity in handling sensitive and confidential information required. * Proficient use and understanding of MS Office products (Word, Excel, Outlook), with the ability to learn and adapt to new technologies quickly and gain working knowledge of financial services loan systems and credit software applications - required. * Travel may be required for customer meetings and/or participation in site visits; valid driver's license and proof of insurance. Working Environment/Conditions: * Climate controlled office environment. * Occasionally exposed to outdoor weather conditions. * Work involves being able to concentrate on the matter at hand, under sometimes 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 a flexible and/or rotating schedule and or extended hours, as needed. Physical Demands/Effort: * Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner and facsimile which often requires dexterity of hands and fingers with repetitive wrist and hand motion. * Work may involve the constant use of computer screens, reading of reports; typically sitting at a desk or table; intermittently standing, stooping, bending at the waist, climbing, kneeling or crouching to file materials and/or conduct site/property inspections. * Occasional lifting 10 - 15 lbs., files, boxes, etc. The above statements are intended to describe the general nature and level of work being performed and are not an exclusive list of all qualifications for this position. Heritage Bank 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, age, protected veteran status, disability, or any other basis protected by applicable law. Job applicants have certain legal rights. Please click here for information regarding these rights. If you need assistance completing the online application, please email: ******************************* Salary Range Disclaimer The base salary range represents the min, mid and max of Heritage Bank's salary range for this position. Actual salaries will vary depending on factors including, but not limited to, qualifications, experience, and job performance. The range listed is just one component of Heritage Bank's total compensation package for full time and part time employees. Depending on position, other total compensation rewards may include, monthly, quarterly or annual incentive, and/or bonuses. ##JobCategory:Commercial Banking## ##Street:10500 NE 8th St. Ste 1500## ##City:Bellevue## ##State:WA## ##ZipCode:98004## ##Internal:FALSE## * mon

Description: Nothing in this restricts management’s right to assign or reassign duties and responsibilities to this job at any time. This job description reflects management’s assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned. Summary: The ARM Junior/Junior Credit Analyst supports Relationship Managers (RMs) as a member of the customer service team. The ARM Junior conducts credit analyses including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and portfolios. The ARM Junior provides timely, accurate financial analysis and makes recommendations regarding the extension of credit (via credit memos); develops key discussion points and questions to assist in analyzing loan opportunities; works with RMs, Loan Administrators and customers to close loans and/or assist in monitoring and administering the loan portfolio in accordance with loan approval; and, works with other Bank associates to address client needs as necessary/requested. Requirements: Essential Duties & Responsibilities Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values; and provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards. Adhere to defined Service Level Agreements, both internal and external. Investigate, interpret and analyze credit reports. Spread and analyze financial statements and information to evaluate existing and projected company cash flow. Conducts research and prepares presentations for annual relationship reviews with clients Assist in or independently prepares credit approval documents for less complex credit actions Assist in monitoring loans through timely collection of financial information / tickler management. Create and maintain customer files within defined bank standards. Review financial information for loan compliance in order to maximize credit quality and minimize risk and potential loss. Assist RM with maintaining current financial information consistent with loan approval and ensure maintenance of the credit file. Analyze financial statements using software such as Moodys and Bukers. Conducts industry research that is relevant to lending opportunities Participate in Credit Trainings to remain current on standards and expectations. As requested by RM, assist in the preparation of Preflights and LOI’s. Review portfolio reports to be informed of workflow, 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. Maintain knowledge of and compliance with banking regulations. Perform other duties as assigned. Required Qualifications Bachelor’s degree in Business, Finance, or related area; or equivalent work experience. Working knowledge of accounting principles with the ability to conduct basic analysis of business financial statements Preferred Qualifications Good knowledge of economics, accounting, and finance. Basic knowledge of risk analysis. Able to work with minimal supervision with multiple priorities and deadlines Proficient computer skills with collaboration and productivity tools including Windows-based operating systems and office suites (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis; internet; email; and bank software. Effective oral and written communication and time management skills.

Base Salary Range: Level I - $28.68 - $35.85 - $43.02 per hour Level II - $72,180.00 - $90,230.00 - $108,270.00 annual Depending on qualifications and experience Credit Analyst I or II may be considered. At Heritage Bank, we work hard, but also know how important it is to take time off to stay healthy, relax, and spend time doing what makes your heart happy! As part of our team you'll enjoy a total rewards package, which includes base salary based on the role, experience, and skill set, along with an exceptional benefits package (medical, dental, vision, life insurance, 401(k), community volunteer time), and generous time off policy. Full-time team members receive a minimum of 10 paid vacation days annually* and eight hours of paid sick leave per month*, while also enjoying 11 paid holidays each calendar year, and an annual float day. *pro-rated from start date and/or hours worked. To view Benefits Summary: Apply > Current Openings > position > attachment. Position Overview: Heritage Bank currently has an exciting opportunity to join our organization! We are looking for an experienced Credit Analyst at our Everett, WA office . The Credit Analyst will be responsible for assisting Commercial Bankers in underwriting credits, portfolio management, maintenance, and customer service for an assigned portfolio of commercial accounts. Additionally, this position will assist to ensure compliance with all policies, procedures and regulations, and the accurate and timely delivery of documents for closing the loan. This position is relied upon to independently manage a small portfolio and prepare a thorough analysis of all aspects of a credit, including the preparation of financial spreads and projections in conformance with established Bank policies and procedures, for new loan requests, renewals and annual reviews, and responds to customer inquiries related to the lending process in a timely and accurate manner. The successful candidate will be able to: Provide an exceptional level of customer service around all aspects of the banking relationship with a focus on the credit aspects in conjunction with the Commercial Banker assigned to the relationship. Independently interacts with prospective and existing clients to collect financial statements, tax returns, and other applicable information, to include, but is not limited to account receivables aging's, account payable aging's, rent rolls, operating statements, leases, corporate documents, and environmental reports. Independently complete and/or coordinate with Credit Administration, financial statement spreading and cash flow/global cash flow analysis, as requested and needed. Identify loan purpose, source of repayment, collateral value/priority, and full written analysis of all credit elements within the credit memorandum (SCM). Participate in presentations/meetings with credit administration to negotiate structuring, pricing and edits needed to highlight and or partially mitigate credit risks. Track loan agreement compliance, covenant monitoring, borrowing base certificates and financial reporting, via use of the lending tickler system. Ensure timely and accurate follow up. Analyze financial and other information and complete file memos or written analysis to document trends and, where necessary, report and/or gain credit approval for action taken on Loan Agreement violations. Independently interacts with customers to collect information needed to complete loan renewals ahead of loan maturity dates, to include information needed to order new property appraisals, as applicable. Participate in the construction administration process by collecting and reviewing required information for monthly draws in conjunction with the RECAD team. Comply with governing regulations by maintaining current knowledge of commercial law, UCC and Banking regulations and policies to ensure conformity with required laws and terms. Accompany Commercial Banking Officer on business calls and/or site visits, as requested. Requirements: High School Diploma or equivalent - required. Bachelor's degree in Business Administration, Finance, Economics, Marketing or relevant discipline - required. MBA preferred. Level I 1 year recent experience in a commercial lending support and/or credit analyst role, in the financial services industry - preferred. Level II 3 - 5 years of recent commercial credit underwriting experience, which includes financial statement analysis, cash flow analysis, collateral evaluation and loan structuring in a commercial banking environment - required. C & I experience - desired. Completion of a formal credit training program - highly desired. Equivalent combination of education, formal credit training and relevant experience may be considered. Provides an exceptional level of quality service for internal/external customers; responds to customers' needs, questions and concerns in an accurate, effective, and timely manner. Excellent listening, verbal, written and telephone etiquette business communication skills, with the ability to communicate outstanding/follow up issues over the phone, in person and via email; effective presentation skills, with the ability to read, write, speak and understand English well. Working knowledge of accounting and finance theory and practices, including Generally Accepted Accounting Principles, taxation, legal forms of organizations, and business law. Ability to interpret financial statements/spreads (including cash flow, balance sheet, and profitability), and present facts and offer opinions concerning credit worthiness. Knowledge of financial modeling techniques, and ability to identify recurring and non-recurring sources of cash flow and guarantors' ability to service debt. Knowledge and experience interpreting credit reports and industry financial information averages. Working knowledge and experience of lending practices, collateral perfection, loan documentation, disclosures, terminology, and legal documents. Ability to understand and apply principles, procedures, compliance requirements, federal/state regulations, and policies related to assigned area, as well as the Bank's policies, procedures, products, and services. Strong organizational, time management, data review and processing skills; with the ability to identify and resolve exceptions and interpret data in a timely manner. Demonstrated analytical and problem-solving skills with excellent attention to detail and a strong focus on accuracy. Demonstrated ability to quickly focus on key issues and make decisions under pressure of time constraints and/or competing deadlines with minimal direction and oversight. Unquestionable integrity in handling sensitive and confidential information required. Proficient use and understanding of MS Office products (Word, Excel, Outlook), with the ability to learn and adapt to new technologies quickly and gain working knowledge of financial services loan systems and credit software applications - required. Travel may be required for customer meetings and/or participation in site visits; valid driver's license and proof of insurance. Working Environment/Conditions: Climate controlled office environment. Occasionally exposed to outdoor weather conditions. Work involves being able to concentrate on the matter at hand, under sometimes 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 a flexible and/or rotating schedule and or extended hours, as needed. Physical Demands/Effort: Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner and facsimile which often requires dexterity of hands and fingers with repetitive wrist and hand motion. Work may involve the constant use of computer screens, reading of reports; typically sitting at a desk or table; intermittently standing, stooping, bending at the waist, climbing, kneeling or crouching to file materials and/or conduct site/property inspections. Occasional lifting 10 - 15 lbs., files, boxes, etc. The above statements are intended to describe the general nature and level of work being performed and are not an exclusive list of all qualifications for this position. Heritage Bank 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, age, protected veteran status, disability, or any other basis protected by applicable law. Job applicants have certain legal rights. Please click here for information regarding these rights. If you need assistance completing the online application, please email: ******************************* Salary Range Disclaimer The base salary range represents the min, mid and max of Heritage Bank's salary range for this position. Actual salaries will vary depending on factors including, but not limited to, qualifications, experience, and job performance. The range listed is just one component of Heritage Bank's total compensation package for full time and part time employees. Depending on position, other total compensation rewards may include, monthly, quarterly or annual incentive, and/or bonuses. ##JobCategory:Commercial Banking## ##Street:2831 Colby Ave## ##City:Everett## ##State:WA## ##ZipCode:98201## ##Internal:FALSE## *mon2

JobID: 210576060 JobSchedule: Full time JobShift: Base Pay/Salary: Seattle,WA $133,000.00-$240,000.00 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 in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve realworld challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-inclass. As a Lead Credit Office in the Credit Risk team, you will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. 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 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 * Familiarity with regional markets and municipal regulations * 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

Min USD $85,000.00/Yr. Max USD $130,000.00/Yr. The Senior Credit Analyst is responsible for providing due diligence and analytical support to the Relationship Officer and Relationship Manager, Director and Division Manager. 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 loans; assists Relationship Officers, Relationship Managers, Directors and the Division Manager in writing loan requests; promotes business for the Bank by maintaining good client relations and referring clients to appropriate staff for new services. The Senior Credit Analyst will be able to independently interact with clients and prospects to perform all due diligence necessary to extend credit, write up a credit submission, orally present the merits of a credit request and obtain credit approval. WaFd Bank is proud of the high value that we all place on simply being kind when serving our co-workers and clients. * Assists Relationship Officers, Relationship Managers and Directors in performing pre-qualification assessment 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 Relationship Officers, Relationship Managers and Directors 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 Relationship Officer, Relationship Manager, Director and Division Manager 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 Relationship Officers, Relationship Managers and Directors to ensure that all portfolio management responsibilities are well documented and maintained in accordance with management expectations. * Assists Relationship Officers, Relationship Managers and Directors 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 Relationship Manager, Director or Division Manager. * 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 Education/Skills/Training: * Bachelor's Degree or approved equivalent combination of education and experience. Work-related experience should consist of commercial financial analysis or a lending background. Educational experience, through in-house training sessions, formal business school or financial industry related curriculum. * Preferred five to seven years' experience in financial and/or credit analysis or related areas. Current responsibilities in a senior-scoped role are desired. * Experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas. * Strong knowledge of commercial real estate credit analysis, underwriting both stabilized and construction projects. Underwriting knowledge related to land development projects and understanding of homebuilder finance is 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 CCPA Notice at Collection for CA Employees and Applicants Requisition Post Information* : Posted Date 11/7/2024

Our client, a leader in the banking industry, is growing their team and has multiple openings for Mid-Senior level Credit Analysts. Must have experience as a Commercial Analyst. Requirements: - Minimum of 4+yrs lending analyst experience with a minimum of 2yrs working commercial - Bachelors Degree in Business, Finance, Accounting or relevant experience - Must be proficient in MS Office - Customer service experience in a banking environment preferred - Knowledge of credit underwriting, credit analysis and portfolio management - Strong written/verbal communication skills - Ability to multi-task with strong attention to detail - Knowledge of SBA products a plus Kindly submit resume below

TRANSLATING IN THE AIR When we receive or intercept data in the air, it's critical for us to understand it in order to act accordingly. Responsible for translating intelligence communications, Airborne Cryptologic Language Analysts utilize fluent foreign language skills to analyze messages obtained during flight. Providing threat warnings and actionable intelligence that can assist in mission planning, these highly skilled specialists are critical to keeping our missions successful and our Airmen safe. REQUIREMENTS You must meet several requirements before joining the Air Force. These concern your background, overall health and other standards set by the Air Force, Department of Defense and federal law.Minimum Education You must be 17-42 years of age, a U.S. citizen and obtain a qualifying ASVAB score. High School Students may start their application as early as the end of their junior year. Applicants who are non-graduates or non-alternate credential holders must obtain an AFQT Test score of 65 or higher on the ASVAB. ASVAB SCORE REQUIREMENTS 72 General (G) Qualifications A minimum score of 62 on the Predictive Success Model. No record history of temporomandibular joint pain or disorder Height no less than 59 inches and no more than 80 inches Successful completion of a polygraph test Completion of a current Single Scope Background Investigation (SSBI) Demonstrated proficiency in a designated language, or successful graduation of the Defense Language Institute in a designated language Completion of Aircrew Fundamentals Course, Airborne Cryptologic Linguist Course, and designated Survival Schools Completion of Initial Qualification Training with a valid aviation qualification Completion of 7.5 weeks of Basic Military Training Must be at least 17, but has not reached age 42 on the date of enlistment