Commercial Loan Credit Analyst/Underwriter
Plaza Bank - Seattle, WA

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Primary Duties

  • Review, analyze and evaluate interim and FYE financial statements, tax returns, pro forma projections and other schedules submitted by existing and proposed borrowing customers of the Bank;
  • Review proposed credit transactions, assist in identification of risks including credit history, operations, industry, concentration and other considerations;
  • Assist in the preparation of credit submissions in concert with the Relationship Manager to the appropriate approval authority in the Bank;
  • Conduct on-going verification and regular tracking of customers’ credit quality through periodic review of credit reports, tracking and analysis of required financial information, and any other approval conditions;
  • Manage risk within risk rating guidelines. Monitor collateral values, valuation dates, and methodology within Bank policy;
  • Ensure timely line and/or loan renewals to prevent expirations. Notify appropriate Relationship Manager about up-coming maturities and required documentation;
  • Partner with loan processor to ensure loan documentation is consistent with requirements provided by credit authorizations. Identify title, insurance, zoning, entity and other issues requiring attention prior to approval;
  • Maintain credit files. Prepare checklists, and maintain authorizations and documentation;
  • Prepare analyses with projections and other justifications to check or reset loan covenants based on performance of credit and/or financials of borrower and/or guarantor;
  • Provide efficient and effective customer service with all customers, internal and external, developing excellent business relationships;
  • Understand and comply with all laws and regulations that influence business lending;
  • Demonstrate teamwork with a focus on service delivery aligned with the values of Plaza Bank.

Plaza Bank is an Equal Opportunity Employer.

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