The Commerce Bank of Washington is seeking a proven, highly motivated, analytical, and articulate individual to support the credit and underwriting process as a Credit Analyst for our Commercial Real Estate Finance group at our corporate office in Seattle, WA.  This position is eligible for a hybrid work schedule with time in the office and working from home.  The ideal candidate for this role will have the skills and experience necessary to fulfill the following responsibilities and qualifications:

• Conducts credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to loan analysis.
• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• Responsible to understand of the loan request and the business relationship ensures the accuracy and completeness of financial information received for loan reporting, to include (a) guarantor financial statements, and (b) commercial real estate values and cash flows.
• Analyzes financial statements and related material for commercial real estate borrowers and collateral and makes recommendations for approvals of credits.
• Analyzes financial conditions and trends; reviews and reports non-compliance with loan covenants.
• Prepares summaries, presents facts, and offers opinions concerning credit-worthiness and any risk items or issues.
• Provides credit information and references for customers, loan officers, or other agencies as requested.
• Ensures that all credit files include current financial statements, agency reports, etc.
• May make recommendations for loan structure.
• Maintains control over current accounts, noting payment progress, watching for any developing problems, and keep loan officers informed.
• Keeps abreast of all new credit regulations and laws and ensures compliance with such.
• May assists with projects as needed.
• Other duties as assigned.

Qualifications:

• Requires a Bachelor's in finance, business, accounting or a related field and 3+ yrs credit/financial analysis, lending, underwriting or other directly related experience.
• A combination of education and experience may meet job requirements.
• Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles.
• Some experience working with various types of loans.
• Basic working knowledge of credit risk, legal and regulatory requirements.
• Ability to work with lending officers and staff.
• Good client relationship and communication skills, both verbal and written.
• Ability to make sound decisions and recommendations regarding loans.
• Working knowledge of computer software programs including spreadsheets, word processing, etc. required.

Benefits: 

• Medical, Dental and Vision Insurance - START DAY ONE! 
• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
• Paid Training, 15 or 20 days of Paid Time Off (PTO) depending on level hired.  (PTO covers both sick and vacation days without distinguishing between them), 11 Paid Federal Holidays, and any applicable state holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
• Employee Ambassador preferred banking products
• Employees may, at the company's discretion, be eligible to receive a cash bonus award
• This position is eligible to earn a base salary in the range of $73K to $107K depending on experience

About Zions Bancorporation

Zions Bancorporation, N.A. is one of the nation's premier financial services companies with annual net revenue of $2.9 billion in 2021 and more than $90 billion of total assets. Zions operates under local management teams and distinct brands in 11 western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The Bank is a consistent recipient of national and state-wide customer survey awards in small and middle-market banking, as well as a leader in public finance advisory services and Small Business Administration lending, ranking as the tenth largest provider in the U.S. of the SBA’s Paycheck Protection Program loans. In addition, Zions is included in the S&P 500 and NASDAQ Financial 100 indices.

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