Job Title

Heritage Bank currently has an exciting opportunity to join our organizationWe are looking for a Credit Analyst at our Downtown Seattle or Bellevue, WA office. The Credit Analyst will be responsible foru00a0assisting Commercial Bankers in underwriting credits, portfolio management, maintenance, and customer service for an assigned portfolio of commercial accounts.u00a0Additionally, 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.This position is Full Time (40 hours per week), on-site in Seattle or Bellevue, Washington.u00a0Base Salary Range:Level II: $36.44 - $45.55 -- $54.66 per hourSenior level: $91,707.00 - $114,639.00 -u00a0$137,561.00 annualDepending on qualifications and experience, Credit Analyst II or Senior may be considered.u00a0u00a0The Role at a Glance:u00a0u00a0Provides 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 dependently interacts with prospective and existing clients to collect financial statements, tax returns, and other applicableu00a0information, to include, but is not limited to account receivables aging's, account payable aging's, rent rolls, operating statements, leases, corporate documents, and environmental dependently completes and/or coordinates with Credit Administration, financial statement spreading and cash flow/global cash flow analysis, as requested and needed.Identifies loan purpose, source of repayment, collateral value/priority, and full written analysis of all credit elements within the credit memorandum (SCM).Participates in presentations/meetings with credit administration to negotiate structuring, pricing and edits needed to highlight and or partially mitigate credit risks.Tracks loan agreement compliance, covenant monitoring, borrowing base certificates and financial reporting, via use of the lending tickler system. Ensures timely and accurate follow up.Analyzes financial and other information and complete file memos or written analysis to document trends and,