Job detail

Credit Analyst Team Leader

Bellevue, WA

Heritage Bank currently has an exciting opportunity to join our organization. We are looking for people who want more than just a job – who want to build a career and make a difference in the communities where they live and work by building and maintaining customer relationships. 

The Credit Analyst Team Leader is responsible for overseeing and managing the daily operations and assignments of credit analysts, while coordinating and organizing the credit underwriting and portfolio management process, within an assigned region.  Additionally, this position will perform all duties of a senior analyst and is relied upon to actively participate in the development and implementation of operational processes, procedures and methods to enhance working systems and improve the overall performance of the region, as well as managing and/or participating in ad-hoc credit related initiatives within the division.

The successful candidate: 

  • Plans, directs and coordinates all aspects of credit underwriting and portfolio management activities of analysts, within assigned region, to achieve effective workflow, and ensure the most efficient use of resources are appropriately allocated and required deadlines/commitments are routinely met, exceeding expected turnaround times for internal and external clients.
  • Provides direct reports with proper tools and authorities to execute their assigned functions. Develops skills of staff through goal-setting, coaching, problem resolution, delegation, training, counseling, and performance management.
  • Mentors, coaches, ands train analysts within the region and division, as assigned, on new processes or procedures, to include periodic review of work to ensure compliance with established Bank guidelines and expectations. Ensures issues and/or concerns are communicated and resolved in a timely manner. Determines follow up training and escalate to management as appropriate.
  • Actively participates in team and regional leadership task force, committees, and/or project work group meetings, as assigned, and coordinates and completes assigned projects in a timely and accurate manner.
  • Independently resolves complex problems, issues, or questions to ensure customer satisfaction and to maintain productive relationships with bankers and other bank departments. 
  • Manages the process for all CRE Annual Reviews, within assigned region, escalates issues as appropriate; monitors for follow-up items; and may prepare final reports for management review and approval.
  • Participates in the development, implementation and delivery of operational efficiencies, workflow process improvements and timely and effective written procedures. Communicate policy and/or operational updates in a timely manner.
  • Collaborates with the management team to design, develop, implement, and/or deliver training programs to staff members. Ensure applicable training guides and resources are current and implements programs improvements in a timely and accurate manner.
  • Monitors analysts training progress and knowledge. Determine follow up training required, and consult with the management team.
  • Maintains current knowledge of banking and lending rules and regulations and assures compliance with all bank policies and procedures, as well as applicable state and federal regulations.
  • May participate in operating and project budgets to achieve results within those budgets.
  • Assists manager and works collaboratively with Human Resources to recommend staffing levels and participates in the approval process  for personnel actions such as hiring, terminations, promotions, transfers, training and development of staff, timely performance reviews and salary increases, in accordance with legal and acceptable Bank personnel practices.

Requirements:  

  • High School Diploma or equivalent – required. Bachelor’s degree in Business Administration, Finance, Economics, Marketing or relevant discipline – required. MBA preferred.
  • 8 years' recent and progressive senior commercial credit underwriting experience, advanced knowledge of business development, credit underwriting, loan structuring, credit and credit quality and commercial real estate and C&I lending practices, which includes a minimum of 2 or more years in a lead or supervisory role - required.
  • Completion of formal credit training – required. Pacific Coast Banking School Graduate or equivalent – highly desired.
  • Equivalent combination of education, formal credit training, and/or comparable supervisory or management experience may be considered.
  • Demonstrated ability to deliver exceptional customer service and maintain client relationships, both internally and externally.
  • Customer-centric mindset, with the ability to translate customer issues/needs into profitable business solutions.
  • Exceptional networking and relationship building skills, with demonstrated expertise and success in business development and sales processes and strategies. 
  • Provides an exceptional level of quality service for internal/external customers; responds to customers' needs, questions and concerns in an accurate, effective, and timely manner.
  • Customer-centric mindset, with the ability to translate customer issues/needs into profitable business solutions. 
  • Exhibits professional and effective listening, verbal, written and presentation communication skills (group meetings, correspondence, reports and email), with the ability to read, write, speak and understand English well. 
  • Strong leadership / supervisory skills are required to motivate and develop a high performance work team and monitor workflow and schedules; employee development, performance management, training, and employee counseling skills are required.
  • Advanced working knowledge of accounting and finance theory and practices, including Generally Accepted Accounting Principles, taxation, legal forms of organizations, and business law.
  • Strategic approach to problem solving and decision-making, with demonstrated ability to quickly focus on key issues, make decisions under pressure of time constraints and translate business development challenges into opportunities.
  • Strong planning, organizational, time management and follow up skills, demonstrating a strong sense of urgency and ability to execute quickly, timely and efficiently.
  • Thorough business and financial analysis and modeling skills, with understanding of financial accounting, income statements, balance sheets, etc., requiring the ability to gather, analyze and prepare reports related to commercial bank and assigned business units performance.
  • An ability to analyze and synthesize information accurately and effectively, multi-task and decide key priorities with confidence, motivation, decisiveness, flexibility, and sound business judgment.
  • Thoroughly understands and appropriately applies principles, procedures, requirements, regulations, and policies related to assigned area of oversight. 
  • Unquestionable integrity in handling sensitive and confidential information required.
  • Proficient use and understanding of MS Office products (Word, Excel, Outlook), with the ability to learn and adapt to new technologies quickly. Thorough working knowledge of the Bank’s financial services loan systems and credit software applications – required.
  • Inspires and fosters team commitment, pride, and trust. Facilitates cooperation and motivates team members to accomplish individual and group goals.

Working Environment/Conditions:  

  • Climate controlled office environment.
  • May be exposed to outside climate conditions and/or required to wear protective devises during site and property visits/inspections.
  • Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions, and frequent employee and customer contacts and interruptions during the day. 
  • Work requires regular attendance, punctuality and adherence to agreed-upon schedule with willingness to work a flexible and/or rotating schedule and or extended hours, as needed. 

Physical Demands/Effort:   

  • Work may involve the constant use of computer screens, reading of reports, and sitting throughout the day.
  • Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner, facsimile, which often requires dexterity of hands and fingers with repetitive wrist and hand motion.
  • Typically sitting at a desk or table; intermittently standing, stooping, bending at the waist, climbing, kneeling or crouching to file materials and/or site/property inspections. 
  • Occasional lifting 10 - 15 lbs. (files, boxes).


The above statements are intended to describe the general nature and level of work being performed and are not an exclusive list of all qualifications for this position. 

Heritage Bank is an Equal Opportunity Employer 

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran status, disability, or any other basis protected by applicable law. 

Job applicants have certain legal rights. Please click here for information regarding these rights. 

If you need assistance completing the online application, please email: HBRecruiting@HeritageBankNW.com