Commercial Credit Analyst

RiverBank is a community bank with a history of service that goes far beyond traditional banking relationships. Our primary mission is to \"Make Business Banking Easy\" by supporting the growth and success of businesses in our community.<br />RiverBank is growing in 2026! We are seeking a talented Commercial Credit Analyst to join our high-performing team. We are located in Spokane, WA, and prefer to hire a candidate who lives in the area.<br />Summary<br /><br />The Commercial Credit Analyst is a key member of the Credit Administration team, responsible for analyzing commercial borrowing relationships, assessing financial performance, identifying risk factors, and supporting sound credit decisions. This role offers a strong foundation and growth pathway toward senior credit analysis and commercial underwriting responsibilities over time.<br />Primary Duties and Responsibilities:<br /><br />Commercial Credit Analysis &amp; Risk Assessment<br /><br />Analyze commercial loan requests, renewals, modifications, and annual relationship reviews across a range of business credit relationships.<br />Evaluate borrower and guarantor financial strength through detailed review of business and personal financial statements, tax returns, projections, borrowing base reports, and supporting documentation.<br />Perform cash flow analysis, debt service coverage calculations, leverage and liquidity analysis, and trend analysis.<br />Assess collateral adequacy, repayment sources, guarantor support, and overall credit structure.<br />Identify strengths, weaknesses, risks, and appropriate mitigating factors associated with commercial credit relationships.<br />Spread business and personal financial statements and tax returns in accordance with bank guidelines.<br />Credit Presentation &amp; Documentation<br /><br />Prepare clear, concise, accurate, and well-supported credit memorandums, analytical reports, and risk assessments for management review.<br />Develop credit recommendations and identify policy exceptions, documentation deficiencies, and compliance considerations.<br />Gather and organize supporting loan documentation and financial information to complete credit files that meet Bank policy and regulatory requirements.<br />Assist with annual reviews, credit renewals, risk ratings, loan modifications, and portfolio maintenance activities.<br />Portfolio Monitoring &amp; Relationship Support<br /><br />Monitor borrower financial performance, covenant compliance, approval conditions, and overall credit quality.<br />Calculate and verify covenant compliance and communicate exceptions or violations to lending officers for resolution.<br />Collaborate with Commercial Bankers and Relationship Managers to understand customer needs, business operations, and credit structuring opportunities.<br />Provide analytical support throughout the commercial lending process and participate in customer or prospect discussions as appropriate.<br />Policy, Compliance &amp; Quality Assurance<br /><br />Ensure all analysis and recommendations comply with RiverBank Loan Policy, regulatory requirements, credit standards, and safe-and-sound banking practices.<br />Maintain thorough and complete documentation supporting analytical conclusions.<br />Support loan review, audits, examinations, internal reviews, and special credit projects as needed.<br />Complete required training and remain current on regulatory, economic, and industry developments.<br /><br />Minimum Requirements:<br /><br />Education, Training and/or Experience:<br /><br />Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field.<br />Equivalent combination of education and relevant experience may be considered.<br />Two to five years of experience in commercial banking, financial analysis, accounting, credit analysis, treasury, lending support, or a related financial services role.<br />Experience analyzing financial statements and tax returns required.<br />Commercial credit analysis or underwriting experience, C&amp;I and commercial real estate lending exposure, formal credit training, and community banking experience preferred.<br />Knowledge &amp; Skills<br /><br />Strong financial statement analysis and interpretation skills, including cash flow, global cash flow, and debt service coverage calculations.<br />Understanding of commercial lending fundamentals, including working capital needs, capital expenditure financing, collateral protection, covenant monitoring, and repayment capacity.<br />Ability to interpret tax returns, borrowing base reports, appraisals, business valuations, legal entity structures, and loan documentation.<br />Familiarity with financial spreading platforms (e.g., Buker’s Tax Analysis or a comparable system) preferred.<br />More to Know:<br /><br />RiverBank has been named a Best Place to Work in the Inland Northwest since 2021!<br />Starting pay range: $80,965 - $103,905<br />This position is eligible for annual bonus with the first year being pro-rated based on time in position.<br />Vacation (3 Weeks), Sick Leave (12 days a year), Volunteer Time off (24 hours) &amp; All Bank Holidays (at least 40+ paid days off a year total that increase with tenure)<br />90% Employer Paid Medical &amp; 100% Employer Paid Vision, Dental, &amp; Long-Term Disability Insurance for every Team Member<br />AnHRA where an employee only pays $600 towards their medical deductible and the company reimburses any other deductible costs ($4,900+ value)<br />Employer-paidLife Insurance(two times your annual earnings)<br />Employer PaidEmployee Assistance Program<br />4% company 401k matchon contributionsafter 3months<br />Paid Parental Leave<br />Discounted Rates onPet, Home, &amp; Auto Insurance<br />RiverBankis an equal opportunity employer, committed to hiring a diverse workforce and preserving inclusive hiring practices.RiverBank, Inc. does not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.<br /><br />#J-18808-Ljbffr