Commercial Credit Analyst jobs in Boise, ID

Commercial Credit Analyst collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Being a Commercial Credit Analyst calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Additionally, Commercial Credit Analyst presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. The Commercial Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Commercial Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)

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Commercial Banking Credit Analyst / Assistant Relationship Manager
  • Northwest Bank
  • Nampa, ID FULL_TIME
  • About Northwest Bank

    Northwest Bank serves the business and professional communities of Idaho, Oregon, Washington, and Utah. We were founded in 2008 with the belief that banks should partner with their customers to find creative financial solutions that work.

    In order to achieve that goal, we need experienced Assistant Relationship Managers on our team. People who share our vision and values, know their customers and work tirelessly to deliver successful financial solutions.

    Job Overview

    Located in Nampa, Idaho, the Assistant Relationship Manager (ARM) supports Relationship Managers (RMs) as a member of the client-facing production team. The ARM conducts credit analysis including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and plays a pivotal role in supporting a designated Relationship Manager (RM) to service existing clients and business development for new clients.

    Essential Duties & Responsibilities 

    • Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values; provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards
    • Investigate, interpret and analyze credit reports
    • Develop key discussion points and questions to assist in analyzing loan opportunities
    • Support the Relationship Managers (RMs) and Loan Administrators to close loans
    • Spread and analyze financial statements and information to evaluate existing and projected company cash flow
    • Work with Loan Administration to determine necessary reports (UCC lien searches, title, insurance, appraisals / evaluations, environmental, flood, etc.)
    • Review independent appraisal and collateral exam reports
    • Develop list of key information necessary to support the loan approval process
    • Prepare detailed Credit Memorandums with defined Credit Quality Expectations and within Credit policies and procedures for review and approval
    • Make underwriting recommendations to the Relationship Manager, Market President, and Credit Administration, as appropriate
    • Assist in monitoring loans through timely collection of financial information / tickler management
    • Create and maintain customer files within defined bank standards
    • Attend customer meetings and provide written summary in underwriting and evaluating risk
    • Connect with loan applicants to ensure loan packages are complete
    • Participate in Credit Training to remain current on standards and expectations
    • Review portfolio reports to be informed of work flow, 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
    • Support collection of past due accounts
    • Assist with the Know Your Customer (KYC) due diligence and new account onboarding for new clients
    • Assist with customer calls and marketing efforts
    • Maintain knowledge of and compliance with banking regulations

    Required Qualifications: 

    • Bachelor’s degree in Business, Accounting, Finance, or related area; or equivalent work experience
    • Relevant experience analyzing business financial statements in the context of commercial banking, investment banking, or commercial real estate lending
    • Relevant experience with direct client interaction with businesses providing support related to financial services

    Preferred Qualifications: 

    • Experience with financial analysis software such as Moodys and Bukers
    • Proficiency using Windows-based operating systems (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis and for high-quality, professional presentations to clients and prospects
    • Thorough understanding of business cash flow and differing legal business structures
    • Experience working in a fast-paced environment where effectively managing multiple tasks and priorities is critical
    • Basic knowledge of risk analysis, economics, accounting, and finance practice
    • Strong relationship-building skills with demonstrated attributes that support a team-based environment
    • Thorough knowledge of lending policies and procedures preferred
    • Effective oral and written communication and time management skills
    • Basic knowledge of deposit and cash management banking products used by lower middle-market companies

    Benefits  

    • Competitive Compensation Package 
    • Medical, Dental, and Vision 
    • Health Savings Account (HSA)
    • Flexible Spending Accounts (FSA)
    • 401(k) plan with company match 
    • Generous PTO & Holidays
  • 16 Days Ago

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Credit Analyst
  • Silvaris Corporation
  • Boise, ID FULL_TIME
  • About us Silvaris is a company driven by innovation and committed to building strong relationships. We empower our team members to excel and collaborate, fostering a dynamic environment where growth i...
  • 3 Days Ago

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Commercial Insurance Agent
  • Goldenwest Credit Union
  • Boise, ID FULL_TIME
  • WHO WE AREGoldenwest Credit Union is a premier non-profit financial cooperative providing exceptional member service to our members in Utah and Idaho. Our employees earn a guaranteed base wage, annual...
  • 1 Day Ago

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System Analyst
  • Idaho Central Credit Union
  • Meridian, ID OTHER
  • Overview A System Analyst is responsible for operations of Digital Experience and related systems. Analyzes and evaluates user problems. Assists with all release and upgrade related activities. Respon...
  • 2 Days Ago

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Digital Experience System Analyst
  • Idaho Central Credit Union
  • Meridian, ID OTHER
  • Overview A Digital Experience System Analyst is responsible for operations of Digital Experience and related systems. Analyzes and evaluates user problems. Assists with all release and upgrade related...
  • 13 Days Ago

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Member Experience Analyst
  • PIONEER FEDERAL CREDIT UNION
  • MOUNTAIN HOME, ID OTHER
  • Job Details Job Location: Mountain Home Admin Office - MOUNTAIN HOME, ID Salary Range: Undisclosed DescriptionPioneer FCU offers a complete benefits package to all team members that includes, but not ...
  • 1 Month Ago

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0 Commercial Credit Analyst jobs found in Boise, ID area

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Customer & Sales Service Manager FG HQ
  • The Judge Group
  • Boise, ID
  • The J.R. Simplot Company is a diverse, privately held organization, with roots firmly planted in agriculture and agricul...
  • 3/18/2024 12:00:00 AM

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Accountant
  • Accountinuity
  • Boise, ID
  • Currently accepting remote applicants residing in Ohio. Recipient of the 2023 Best Places to Work Award by the Minneapol...
  • 3/18/2024 12:00:00 AM

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Collector, Drug & BA Testing - (PRN) - ExamOne/Boise, ID area
  • Quest Diagnostics
  • Meridian, ID
  • Overview: Under the direction of the Branch Manager or Field Leader, the Collectors primary responsibility is to provide...
  • 3/18/2024 12:00:00 AM

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Collector, Drug & BA Testing - (PRN) - ExamOne/Boise, ID area
  • Quest Diagnostics Incorporated
  • Meridian, ID
  • Category Per Diem and On Call Location Meridian, Idaho Job function Operations Job family Per Diem Examiner Shift Day Em...
  • 3/18/2024 12:00:00 AM

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Senior Income Tax Analyst - Remote
  • Avnet
  • Boise, ID
  • **Who We Are:** At Avnet, relationships matter. We are a global, FORTUNE 500 technology distributor and solutions compan...
  • 3/18/2024 12:00:00 AM

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Accounting Intern - Boise, ID
  • The Judge Group
  • Boise, ID
  • The J.R. Simplot Company is a diverse, privately held organization, with roots firmly planted in agriculture and agricul...
  • 3/18/2024 12:00:00 AM

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Internal Revenue Agent (Computer Audit Specialist (CAS) - Examiner) 12 MONTH ROSTER AMENDED
  • Department Of The Treasury
  • Boise, ID
  • Duties WHAT IS THE LARGE BUSINESS & INTERNATIONAL (LB&I) DIVISION? A description of the business units can be found at: ...
  • 3/17/2024 12:00:00 AM

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Senior Analyst- Model Validation (US REMOTE)
  • Ally
  • Boise, ID
  • **General information** **Ref #** 17030 **Remote?** Yes **Ally and Your Career** * Ally Financial only succeeds when its...
  • 3/16/2024 12:00:00 AM

Boise (/ˈbɔɪsi/ (listen)) is the capital and most populous city of the U.S. state of Idaho, and is the county seat of Ada County. Located on the Boise River in southwestern Idaho, the population of Boise at the 2010 Census was 205,671, the 99th largest in the United States. Its estimated population in 2016 was 223,154. Boise is in southwestern Idaho, about 41 miles (66 km) east of the Oregon border, and 110 miles (177 km) north of the Nevada border. The downtown area's elevation is 2,704 feet (824 m) above sea level. Most of the metropolitan area lies on a broad, flat plain, descending to the ...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Commercial Credit Analyst jobs
$49,008 to $64,162
Boise, Idaho area prices
were up 2.5% from a year ago

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