Credit Analyst

Position Overview

Mountain Pacific Bank is looking for a full-time Credit Analyst to join our team. Recognized by the Independent Community Bankers Association as one of the Best Community Banks to Work For, our organization is dedicated to fostering a positive work environment, supporting professional development, and promoting a culture of inclusion, empowerment, and community engagement.

Started by 17 local business and community leaders, our bank serves Whatcom, Skagit, Snohomish, and King Counties and reinvests in the community through resources, time, and talent. This position can be based at any of our branch locations in Everett, Ballard, Burlington, or Bellingham.

Key Responsibilities

• Complete the business and consumer loan underwriting process in accordance with bank operations, market conditions, and policies.
• Analyze applications and supporting credit information to assess risk and structure credit requests by reviewing financial statements, tax returns, and other pertinent data.
• Review and apply the bank’s credit policies, risk rating guidelines, and federal regulations (including regulations B and Z, HMDA, and fair lending) to all credit requests.
• Perform credit investigations on borrowers and guarantors, including credit reports, deposit verifications, appraisal evaluations, and environmental site assessments.
• Recommend risk rating migration and negotiate changes to approved requests for presentation to the approving authority.
• Execute delegated tasks timely, including credit authorizations, financial statement spreading, covenant compliance, and updating work-in-process reports.
• Maintain professional relationships with customers and cultivate effective internal relationships to support volume growth.
• Modify internal forms to update or streamline processes, track forms for reporting, and conduct periodic site visits to inspect property as needed.

Required Qualifications

• Exhibits sound judgment in making credit recommendations.
• Demonstrates strong time management and organizational skills.
• Able to read and interpret documents such as safety rules, operating instructions, and procedure manuals, and to produce routine reports and correspondence.
• Capable of calculating figures including discounts, interest, commissions, percentages, and applying basic algebra and geometry concepts.
• Adept at solving practical problems in situations with limited standardization.
• 1 to 3 years of bank credit analyst experience required.
• Proficiency in Microsoft Word, Excel, and Outlook.
• BA degree in Finance, Accounting, or a related field is preferred.

Benefits & Perks

• Compensation: $70,000 to $120,000
• Bonus Opportunity (based on company and individual performance)
• 401(k) with matching contribution
• Comprehensive medical, dental, and vision insurance with 100% of employee base premiums covered
• Healthcare and Dependent Care Flexible Spending Account
• Minimum of 10 paid vacation days per year*, with a minimum of 15 paid vacation days after 1 year of employment
• 2 additional PTO days annually**
• 11 paid holidays
• 8 hours of paid sick time per month*
• Paid Life, AD&D, and Long-Term Disability insurance
• Employee assistance program and referral program
• Tuition reimbursement
• Mountain Pacific Bank account and loan perks (pro-rated from start date and/or hours worked)
• *Granted every January 1st