Credit Analyst III

First Interstate

. Independently evaluate and underwrite complex commercial credits, including CRE, C&I, Hospitality, Municipalities, and other commercial credit types .

Posted 10/2/2026full-timeSpokane • Washington • United StatesSeniorLead💰 $67,870 - $105,270 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in evaluating and underwriting complex commercial credits, including financial analysis, risk assessment, and compliance with federal regulations. Proficient in mentoring junior analysts and collaborating with relationship managers to support credit actions and portfolio management.

Highest-signal resume keywords

Commercial Credit UnderwritingFinancial AnalysisCredit Risk AssessmentRegulatory ComplianceMentoring Junior Analysts

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisFinancial Spreads PreparationCash Flow AnalysisLeverage RatiosLiquidity RatiosCredit Policy AssessmentCovenant TestingCredit Risk MitigationCreditworthiness EvaluationCommercial Banking Experience

Soft Skills

Strong Organization SkillsTime Management SkillsExcellent Written SkillsExcellent Verbal SkillsAnalytical Problem-Solving Skills

Tools & Technologies

Financial Spread SoftwareMicrosoft Office Suite

Industry Keywords

Commercial Real EstateCommercial and IndustrialMunicipalitiesNon-ProfitsPortfolio Management

About the role

Key responsibilities & impact

Independently evaluate and underwrite complex commercial credits, including CRE, C&I, Hospitality, Municipalities, and other commercial credit types
Gather, analyze, and interpret personal and business financial statements, projections, tax returns, collateral information, and internal/external reports
Prepare financial spreads for commercial and real estate businesses, municipalities, non-profits, individuals, borrowers, and guarantors
Analyze creditworthiness, repayment capacity, cash flows, leverage, liquidity ratios, collateral, borrower research, and industry risks
Author comprehensive credit analysis reports using charts, formulas, graphs, and written narrative
Identify, evaluate, and mitigate credit risk; determine risk ratings and recommend approval, modification, renewal, or denial
Partner with Commercial Relationship Managers on new and existing loan relationships
Perform special projects related to credit administration, portfolio management, and regulatory compliance
Ensure compliance with federal regulations and FIB credit policies
Mentor and develop junior analysts as an Anchor Analyst
Assist with quarterly monitoring reports for classified and criticized commercial relationships
Complete financial performance metric covenant testing using prepared financial spreads
Participate in quality control reviews, training material development, and analyst training
Serve as a resource for Relationship Managers and analysts on Loan Policy, loan structuring, and underwriting recommendations

Requirements

What you’ll need

High School Diploma or General Education Degree (GED) required
Bachelor's Degree in Business, Finance, or related field preferred
7-9 years of banking experience and/or equivalent combination of education and experience required
Experience with financial spread software required
Commercial banking experience preferred
Strong organization and time management skills
Excellent written and verbal skills
Strong analytical and problem-solving skills and attention to detail
Ability to underwrite streamlined to complex commercial requests with limited guidance
Ability to make independent assessments and support credit actions based on Credit Policy
Proficient with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint
Ability to acclimate quickly to other programs
Regular and predictable attendance required
Ability to work M-F (8-5)

Benefits

Comp & perks

Generous Paid Time Off (PTO) in addition to paid federal holidays
Student debt employer repayment program
401(k) retirement plan with a 6% match
Annual discretionary cash and stock bonuses
Medical, dental, and vision benefits
Short-term and long-term disability benefits
Life insurance
Flexible spending accounts
Health savings account
Employee assistance program
Up to 11 paid Federal holidays
Reasonable accommodation for qualified individuals with disabilities