Top Credit Analyst Jobs in Seattle, WA

Own the full commercial credit underwriting lifecycle, including application review, KYB verification, credit bureau analysis, limit-setting, documentation, escalations, and decisioning. Identify risk patterns, support backtesting of policy changes, improve workflow automation, develop SOPs, and coordinate with Fraud on overlapping application-stage signals.

The Staff Credit Policy Analyst leads the development and governance of credit policies for home loans, ensuring compliance and operational efficiency while collaborating with leadership and cross-functional teams.

Analyzes complex commercial credit relationships, including financial statements, tax returns, cash flows, collateral, and repayment sources. Develops credit recommendations, approval packages, financial summaries, and written opinions for lending decisions. Partners with lending teams on credit risk assessment and portfolio management, supports team leadership, and mentors new analysts. Maintains compliance with lending policies, security requirements, and applicable regulations.

Supports Relationship Managers by analyzing commercial borrowers, evaluating credit risk, preparing credit authorizations, spreading financial statements, building projections and financial models, and monitoring loan documentation and compliance. The role requires credit analysis and underwriting experience, strong accounting and analytical skills, proficiency with Excel and Microsoft Office, and the ability to manage multiple priorities in an onsite banking environment.

Independently underwrite complex specialty lending transactions, evaluate atypical collateral and repayment structures, construct borrowing bases, assess litigation finance and leveraged lending risks, prepare credit presentations, and monitor regulatory developments. The role also mentors junior analysts, supports loan committee decisions, and ensures compliance with banking policies and regulations.

Reviews new and existing customer credit applications and files, evaluates financial information and risk, makes credit decisions, and negotiates solutions with customers. The role communicates with internal teams, determines custom-order deposits and terms, monitors customer segments, maintains account records, and provides reporting. It requires credit or accounts receivable experience, analytical and negotiation skills, strong communication, organization, and independent decision-making.

Supports Credit Risk Review through independent risk analysis, portfolio monitoring, reporting, dashboard development, automation, and process improvement. The role identifies emerging credit risks, trends, concentrations, and outliers; develops scalable analytical solutions; improves data quality and reporting efficiency; and prepares insights for senior management and governance committees. It partners with review teams and risk stakeholders to strengthen continuous monitoring, independent challenge, risk intelligence, and evidence-based oversight.

Investigates and resolves credit bureau disputes, complaints, inquiries, and reporting corrections. Reviews mortgage servicing records, payment histories, escrow activity, balances, and loan adjustments; submits updates through E-Oscar; ensures compliance with Metro 2, FCRA, RESPA, TILA, CFPB, and company policies; collaborates with internal departments and tracks dispute trends.

Investigates and resolves electronic credit bureau disputes, complaints, and reporting corrections. The role researches loan and payment records, verifies compliance with Metro 2 standards and regulations including FCRA, RESPA, and TILA, submits updates through E-Oscar, coordinates with internal departments, handles escalations, and maintains accurate documentation while meeting strict deadlines.

Analyze commercial clients’ credit and financial information, including statements, tax returns, cash flow, collateral, and repayment sources. Prepare credit approval packages, spreadsheets, summaries, and written analyses for loan decisions. Support new, renewed, and existing loan requests while ensuring compliance with internal policies, security requirements, and commercial lending regulations.

Independently underwrite complex commercial credits, including CRE and C&I, by analyzing financial statements, projections, cash flow, collateral, risk ratings, and regulatory compliance. Prepare comprehensive credit analyses and recommendations for approvals, renewals, modifications, or denials. Manage portfolio monitoring, covenant testing, quality control, and special credit administration projects. Mentor junior analysts, support Relationship Managers, develop training materials, and advise on loan policy, structuring, and underwriting.

Analyzes agricultural and agribusiness borrower finances to support lending decisions and portfolio risk management. Prepares financial spreads, cash-flow analyses, collateral evaluations, credit memorandums, renewals, modifications, and portfolio reviews. Applies knowledge of agricultural production cycles, commodity markets, seasonal cash flows, collateral structures, credit policies, risk ratings, and covenant monitoring while supporting Relationship Managers and Credit Officers.

Own credit risk policy optimization, limit-setting, experimentation, forecasting, and portfolio monitoring. Design A/B tests, build performance reporting and dashboards, identify emerging risks, and partner with Machine Learning, Product, Engineering, and Operations to improve risk models and customer outcomes. Monitor deployed model performance and translate analytical findings into actionable policy and product changes.

Supports commercial bankers with credit underwriting, portfolio management, loan documentation, financial statement spreading, cash flow analysis, collateral evaluation, covenant monitoring, renewals, and customer service. The role independently manages a small commercial loan portfolio, prepares credit memoranda and projections, ensures regulatory and policy compliance, coordinates construction loan draws, and assists with customer and site interactions.

Own diligence and underwriting for institutional counterparties, recommend internal credit ratings and risk-based limits, monitor portfolio exposures, analyze asset volatility/liquidity for limit-setting, negotiate industry documentation, and collaborate with cross-functional teams to resolve complex client or product issues.

Analyze credit and financial information for commercial clients, including financial statements, tax returns, cash flow, collateral, and repayment sources. Prepare credit approval packages, spreadsheets, summaries, and written analyses to support loan decisions for new, renewed, and existing loan requests. Ensure compliance with internal policies and applicable regulations.

Analyze commercial and personal financial statements, tax returns, cash flow and collateral to prepare credit approval packages and written analyses supporting loan decisions while ensuring regulatory and policy compliance.

Lead credit analytics for the Send Now Pay Later product: build and own valuation and vintage models, manage credit policies, monitor portfolio health and NPL trends, integrate ML scorecards, and evaluate alternative data to optimize approvals and loss performance.

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, valuation and NPV models, vintage analysis, executive reporting, model integration and testing, and alternative data integration to optimize approval rates and portfolio health.

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, valuation and NPV models, vintage analysis, portfolio surveillance, executive reporting, model integration/testing, and alternative data exploration to optimize approval rates and manage portfolio risk.

Lead credit analytics for the Send Now Pay Later product: own portfolio health reporting, NPL trends, valuation and NPV models, vintage analysis, credit policy design, monitoring, model integration and testing, and alternative data exploration to optimize approval rates and loss performance.