Credit Analyst Jobs in Washington
Credit Analyst jobs in Washington are active across the state's well-developed banking, credit union, and commercial lending sectors, with openings at every level from entry-level associate through senior credit officer. Seattle, Bellevue, and Spokane are the primary hiring centers, anchored by institutions such as Washington Federal, Banner Bank, and JPMorgan Chase. Demand is strongest in commercial real estate credit, corporate lending analysis, and consumer portfolio risk. Find a role that fits below and apply directly.
Find Credit Analyst JobsOverview
Showing 5 of 12+ Credit Analyst jobs
**If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.
This position is located at our Spokane, WA Downtown branch.
What’s Important to You
We know your career is just one aspect of a meaningful, complex, and demanding life. That’s why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.
- Generous Paid Time Off (PTO) in addition to paid federal holidays.
- Student debt employer repayment program.
- 401(k) retirement plan with a 6% match.
- The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it.
We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate.
SUMMARY
The Credit Analyst II is responsible for evaluating and underwriting commercial credits including Commercial Real Estate (CRE), Commercial and Industrial (C&I), Hospitality, Municipalities and a variety of other commercial credit types. This role involves gathering, analyzing, and interpreting personal and business financial statements, projections, and internal/external reports to assess creditworthiness, repayment capacity, and compliance with bank policies and federal regulations. This position partners closely with Commercial Relationship Managers to support new and existing loan relationships, emphasizing credit quality, risk mitigation, and portfolio performance.
ESSENTIAL DUTIES AND RESPONSIBILITIES
- Reads, reviews, and understands various financial statements to include but not limited to; tax returns, balance sheets, profit and loss statements, agings, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, rent rolls, lease agreements, and appraisals.
- Prepares financial spreads for various types of commercial and real estate businesses, municipalities, non-profits, and individuals acting as direct obligation borrowers or guarantors.
- Analyzes credit worthiness of commercial applicants and guarantors as appropriate by reviewing the loan application, spreading historical and projection based financial statements, calculating cash flows, leverage, and liquidity ratios, evaluating collateral, conducting research on the borrower(s) and key industries, and identifying risks.
- Analyzes findings and authors a comprehensive report of analysis using a mix of data analysis (charts, formulas, graphs, etc.) and written narrative.
- Evaluates credit quality and suggests proper risk rating based on analysis of most recent financial information.
- Possesses proficiency relative to credit transactions and analytical skills sufficient to enable independent underwriting of commercial requests for streamlined to complex requests with limited guidance from immediate manager.
- Ensures compliance to applicable regulations and keeps up-to-date with changes in federal regulations and FIB credit policy requirements.
- Assists the Relationship Manager in the preparation of reports for quarterly monitoring of classified and criticized commercial relationships.
- Completes financial performance metric covenant testing utilizing prepared financial spreads.
- Participates in a quality control program that provides for the monthly review of general forms, spreads, and analysis with the provision of feedback and mentoring.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
KNOWLEDGE, SKILLS AND ABILITIES
- Strong organization and time management skills.
- Excellent written and verbal skills.
- Able to develop and maintain internal and external relationships with individuals such as Relationship Managers, Credit Officers, and Risk Management Personnel.
- Able to work in a fast-paced environment, set priorities, and establish and meet strict deadlines with the flexibility to adapt quickly to changing priorities.
- Self-motivated and possess the ability to assist with credit risk decisions.
- Strong analytical and problem-solving skills, as well as an attention to detail.
- Able to prioritize and work with others in an integrated way to achieve individual objectives and team results with flexibility to adapt to changing volumes, requirements, and areas of focus.
- Proficiency with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint.
- Able to acclimate quickly to other programs. Experience with financial spread software.
EDUCATION AND/OR EXPERIENCE
- High School Diploma General Education Degree (GED) required
- Bachelor's Degree in Business, Finance, or related field preferred
- 4-6 years of banking experience and/or equivalent combination of education and experience required and Commercial banking experience preferred
PHYSICAL DEMANDS AND WORKING ENVIRONMENT
The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.
- Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently
- Lifting - Occasionally (up to 10 lbs)
- Sitting - Frequently
- Overtime - Subject to business need
- Noise Level - Moderate
- Typical Work Hours - M-F (8-5)
- Regular and Predictable Attendance - Required
COMPENSATION & BENEFITS
We offer a competitive total compensation package including base salary and benefits. The anticipated pay range for this position is $28.19 to $43.74 per hour in WA and depends on a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills and experience, education, and geographic location. Additionally, this role is eligible to receive annual discretionary cash bonuses. Benefits available for this position include, but are not limited to, medical, dental, vision, short-term and long-term disability benefits and life insurance, flexible spending accounts, health savings account, employee assistance program, 401(k), Paid Time Off (new hires accrue at .069 per hours worked which equates to approximately 18 days per year inclusive of paid sick time) and up to 11 paid Federal holidays. For more information regarding our benefits, please visit https://www.firstinterstatebank.com/company/about/employee-benefits.php
**If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.
**If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.
This position is located at our Spokane, WA Downtown branch.
What’s Important to You
We know your career is just one aspect of a meaningful, complex, and demanding life. That’s why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.
- Generous Paid Time Off (PTO) in addition to paid federal holidays.
- Student debt employer repayment program.
- 401(k) retirement plan with a 6% match.
- The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it.
We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate.
SUMMARY
The Credit Analyst II is responsible for evaluating and underwriting commercial credits including Commercial Real Estate (CRE), Commercial and Industrial (C&I), Hospitality, Municipalities and a variety of other commercial credit types. This role involves gathering, analyzing, and interpreting personal and business financial statements, projections, and internal/external reports to assess creditworthiness, repayment capacity, and compliance with bank policies and federal regulations. This position partners closely with Commercial Relationship Managers to support new and existing loan relationships, emphasizing credit quality, risk mitigation, and portfolio performance.
ESSENTIAL DUTIES AND RESPONSIBILITIES
- Reads, reviews, and understands various financial statements to include but not limited to; tax returns, balance sheets, profit and loss statements, agings, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, rent rolls, lease agreements, and appraisals.
- Prepares financial spreads for various types of commercial and real estate businesses, municipalities, non-profits, and individuals acting as direct obligation borrowers or guarantors.
- Analyzes credit worthiness of commercial applicants and guarantors as appropriate by reviewing the loan application, spreading historical and projection based financial statements, calculating cash flows, leverage, and liquidity ratios, evaluating collateral, conducting research on the borrower(s) and key industries, and identifying risks.
- Analyzes findings and authors a comprehensive report of analysis using a mix of data analysis (charts, formulas, graphs, etc.) and written narrative.
- Evaluates credit quality and suggests proper risk rating based on analysis of most recent financial information.
- Possesses proficiency relative to credit transactions and analytical skills sufficient to enable independent underwriting of commercial requests for streamlined to complex requests with limited guidance from immediate manager.
- Ensures compliance to applicable regulations and keeps up-to-date with changes in federal regulations and FIB credit policy requirements.
- Assists the Relationship Manager in the preparation of reports for quarterly monitoring of classified and criticized commercial relationships.
- Completes financial performance metric covenant testing utilizing prepared financial spreads.
- Participates in a quality control program that provides for the monthly review of general forms, spreads, and analysis with the provision of feedback and mentoring.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
KNOWLEDGE, SKILLS AND ABILITIES
- Strong organization and time management skills.
- Excellent written and verbal skills.
- Able to develop and maintain internal and external relationships with individuals such as Relationship Managers, Credit Officers, and Risk Management Personnel.
- Able to work in a fast-paced environment, set priorities, and establish and meet strict deadlines with the flexibility to adapt quickly to changing priorities.
- Self-motivated and possess the ability to assist with credit risk decisions.
- Strong analytical and problem-solving skills, as well as an attention to detail.
- Able to prioritize and work with others in an integrated way to achieve individual objectives and team results with flexibility to adapt to changing volumes, requirements, and areas of focus.
- Proficiency with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint.
- Able to acclimate quickly to other programs. Experience with financial spread software.
EDUCATION AND/OR EXPERIENCE
- High School Diploma General Education Degree (GED) required
- Bachelor's Degree in Business, Finance, or related field preferred
- 4-6 years of banking experience and/or equivalent combination of education and experience required and Commercial banking experience preferred
PHYSICAL DEMANDS AND WORKING ENVIRONMENT
The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.
- Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently
- Lifting - Occasionally (up to 10 lbs)
- Sitting - Frequently
- Overtime - Subject to business need
- Noise Level - Moderate
- Typical Work Hours - M-F (8-5)
- Regular and Predictable Attendance - Required
COMPENSATION & BENEFITS
We offer a competitive total compensation package including base salary and benefits. The anticipated pay range for this position is $28.19 to $43.74 per hour in WA and depends on a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills and experience, education, and geographic location. Additionally, this role is eligible to receive annual discretionary cash bonuses. Benefits available for this position include, but are not limited to, medical, dental, vision, short-term and long-term disability benefits and life insurance, flexible spending accounts, health savings account, employee assistance program, 401(k), Paid Time Off (new hires accrue at .069 per hours worked which equates to approximately 18 days per year inclusive of paid sick time) and up to 11 paid Federal holidays. For more information regarding our benefits, please visit https://www.firstinterstatebank.com/company/about/employee-benefits.php
**If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.
See All 12 Credit Analyst Jobs in Washington
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Find Credit Analyst JobsCredit Analyst Jobs by City in Washington
Where Washington roles are concentrated, by current openings.
Credit Analyst Job Market in Washington
A snapshot from current Washington openings, updated as new roles post.
Who's Hiring
What Washington Employers Look For
The qualifications that appear most often in credit analyst jobs across Washington.
- Bachelor's degree in finance, accounting, economics, or a related business field
- Proficiency in financial statement analysis and credit risk assessment methodologies
- Experience with commercial or consumer loan underwriting software and banking platforms
- Knowledge of regulatory compliance standards applicable to Washington state lending institutions
- Strong Excel modeling skills including cash flow projections and ratio analysis
- CFA candidacy or completion of credit training programs such as the RMA credit course
Credit Analyst Jobs in Washington: Frequently Asked Questions
How do you become a credit analyst in Washington?
Most credit analyst roles in Washington require a bachelor's degree in finance, accounting, or economics, and Washington does not issue a state-specific license for the role itself. Employers typically look for candidates who have completed formal credit training through programs like the Risk Management Association's credit courses. Building familiarity with the Washington Department of Financial Institutions' regulatory environment and gaining experience through banking internships or junior analyst roles strengthens a candidate's profile significantly.
How much do credit analysts make in Washington?
Credit analysts in Washington earn a median of about $91,160 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $59,800 for the lowest 10% to over $151,970 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire credit analysts in Washington?
Employers hiring credit analysts in Washington right now include Heritage Bank NW, First Interstate Bank, and Washington Trust Bank, based on current listings on Migrate Mate as of November 2026. Washington's dense network of community banks, credit unions, and regional commercial lenders generates consistent year-round demand for credit analysis professionals across the state.
Which Washington cities have the most credit analyst jobs?
Spokane, Seattle, and Bellevue have the most credit analyst openings in Washington. Seattle and Bellevue drive the largest share of postings given their concentration of regional bank headquarters, commercial real estate firms, and corporate treasury operations, while Spokane supports a steady volume of openings tied to its community banking and agricultural lending sectors.
Are there remote credit analyst jobs in Washington?
Yes, and more than many financial roles. About 33% of credit analyst openings tied to Washington are remote or hybrid as of November 2026, reflecting the desk-based and analytical nature of the work. Portfolio review, financial spreading, and loan write-up tasks are the functions most commonly performed remotely, while client-facing underwriting and relationship management roles tend to remain on-site.
How can I get hired as a credit analyst in Washington with little or no experience?
The most realistic entry path is applying for a credit analyst associate or junior underwriter role at one of Washington's community banks or credit unions, which often run structured training programs for new graduates. Institutions such as Washington Federal and Banner Bank have historically onboarded candidates from finance and accounting programs at the University of Washington and Washington State University. Coming in from a bank teller, loan processor, or financial analyst assistant role is a common lateral move. Completing an RMA credit course or earning progress toward the CFA gives candidates a measurable edge over other applicants.
Where can I find and apply to credit analyst jobs in Washington?
You can find and apply to credit analyst jobs in Washington on Migrate Mate, which lists current openings from employers across the state. Search the available roles, find the ones that match your experience and target location, and apply directly to the positions that fit.
See All 12 Credit Analyst Jobs in Washington
Find roles in Washington that match your experience and apply in just a few clicks.
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