Heritage Bank Credit Analyst in Fairhaven, Washington
The Credit Analyst is responsible for assisting Commercial Bankers for in underwriting credits, portfolio management and customer service for an assigned portfolio of commercial accounts. Additionally, this position will assist to ensure compliance with all policies, procedures and regulations, and the accurate and timely delivery of documents for closing the loan. This position requires direct supervision and oversight and may act independently, as needed, to accurately respond to customer inquiries related to the lending process. The successful candidate will be able to: Provide an exceptional level of customer service around all aspects of the banking relationship with a focus on the credit aspects in conjunction with the Commercial Banker assigned to the relationship. Independently interacts with prospective and existing clients to collect financial statements, tax returns, and other applicable information, to include, but is not limited to account receivables aging’s, account payable aging’s, rent rolls, operating statements, leases, corporate documents, and environmental reports. Complete and/or coordinate with Credit Administration, financial statement spreading and cash flow/global cash flow analysis, as requested and needed. Identify loan purpose, source of repayment, collateral value/priority, and full written analysis of all credit elements within the credit memorandum (SCM). May participate in presentations/meetings with credit administration to negotiate structuring, pricing and edits needed to highlight and or partially mitigate credit risks.