Commercial Credit Analyst & Portfolio Management Support

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits?
Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference.
While we’re proud of our history, we’re even more excited about our future. With business and technology transformation on the horizon, there’s never been a better time to be part of BECU.

PAY RANGE

The Target Pay Range for this position is $41.25-$50.38 hourly. The full Pay Range is $32.02-$59.76 hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role.

BENEFITS

Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage.  Employees have access to disability and AD&D insurance.  We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees.  Employees are able to enroll in our company’s 401k plan and employer-funded retirement plan.  Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found here.

IMPACT YOU’LL MAKE:

You’ll be at the heart of ensuring BECU’s commercial credit operations run smoothly and effectively. By analyzing financial data, coordinating with members, and supporting our lending and portfolio management teams, you’ll empower businesses to achieve their goals while contributing to BECU’s mission of financial well-being. Your role will not only help maintain strong relationships with our commercial members but also shape the future of business lending at BECU.

This role will require one to come into the office at Tukwila, WA at times based on business needs.

WHAT YOU’LL DO:

• Analyze Financial Data: Gather, organize, and review financial data from borrowers to assess creditworthiness, ensuring accuracy and completeness for underwriting decisions.
• Support Business Lending: Partner with Business Lending teams to assist in loan origination, portfolio management, covenant monitoring, and member onboarding.
• Prepare Credit Analyses: Perform ratio analyses, review trends, and prepare detailed credit reports to support loan decisions for new and existing accounts.
• Enhance Borrower Experiences: Communicate directly with borrowers, providing superior service and ensuring timely follow-ups on inquiries and documentation requests.
• Coordinate Loan Closings: Collaborate with borrowers and third parties to execute legal documentation, including SNDAs, insurance requirements, and other key documents.
• Maintain Financial Records: Keep financial files updated with accurate and current information, ensuring compliance with regulatory and policy standards.
• Monitor Loan Portfolios: Conduct annual reviews, track timelines, and inform the Credit Management team of changing account conditions.
• Provide Expert Guidance: Offer advice to Business Services staff on technical information, accounting rules, and industry best practices.
• Generate Reports: Create spreadsheets, summaries, and financial projections that provide actionable insights for decision-making.
• Ensure Compliance: Adhere to sound credit practices and policies to meet legal, regulatory, and banking standards.
• Collaborate with the Team: Maintain effective communication across teams to achieve BECU’s shared goals.

This isn’t just about ticking off tasks on a list. It’s about making a significant, positive change in BECU’s journey, where your contributions are valued, and your growth is continually fostered.

WHAT YOU’LL GAIN:

• Growth Opportunities: Expand your career in a role that provides continuous learning and professional development.
• Impactful Work: Play a crucial role in helping businesses thrive, which strengthens the communities we serve.
• Collaborative Environment: Join a supportive and innovative team where your input is valued, and your ideas can spark real change.
• Personal Fulfillment: Be part of a mission-driven organization that prioritizes the financial well-being of its members.
• Work-Life Balance: Enjoy full-time hours with flexibility to meet both personal and professional goals.

QUALIFICATIONS:

Minimum Qualifications:

• Associate’s degree with an emphasis in business, finance, or a related field, or equivalent work or educational experience.
• Five years of commercial credit analysis experience in commercial finance, preferably within a financial institution or credit department.
• Strong verbal and written communication skills in English.
• Excellent analytical and time-management skills.
• Proficiency in PC skills and ability to learn new software.

Desired Qualifications:

• Ability to adapt to internal, market, or regulatory changes.
• Independent work ethic and sound judgment in problem-solving.
• Leadership skills and the ability to collaborate effectively in a team setting.
• Flexibility to work additional hours as necessary to meet objectives.
• Physical ability to sit or stand for periods of up to two hours or more.

JOIN THE JOURNEY

Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don’t just fill a role but fuel the growth and success of BECU? This is more than a job – it’s a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU.

Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let’s achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now.

#BECU #YourGrowth #BECUJourney

EEO Statement:

BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.