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Energy Credit Analyst

Min

USD $60,000.00/Yr.

Max

USD $90,000.00/Yr.

Job Summary

The Energy Credit Analyst is responsible for providing due diligence and analytical support to the Relationship Officer and Relationship Manager, Director and Division Manager. The Energy Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists Relationship Officers, Relationship Managers, Directors and the Division Manager in writing loan requests; promotes business for the Bank by maintaining good client relations and referring clients to appropriate staff for new services.

WaFd Bank is proud of the high value that we all place on simply being kind when serving our co-workers and clients.

  • Assists Relationship Officers, Relationship Managers and Directors in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within the framework of the Bank's credit culture and current economic and industry trends.
  • Assists Relationship Officers, Relationship Managers and Directors in gathering data from clients and internal and outside sources; prepares spreadsheets and analyzes financial information, including financial statements and tax returns; contacts clients for additional information and clarification of data.
  • Compiles data from credit bureaus, conducts industry peer comparisons and performs cash flow analyses and other such tasks and comparisons.
  • Informs Relationship Officer, Relationship Manager, Director and Division Manager when up-to-date financial statements are needed for commercial accounts; ensures credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
  • Works with Relationship Officers, Relationship Managers and Directors to ensure that all portfolio management responsibilities are well documented and maintained in accordance with management expectations.
  • Assists Relationship Officers, Relationship Managers and Directors in the review, initial approval and renewal of credit facilities and provides back-up support. May take primary responsibility for certain credit actions (approvals, renewals) per the guidance of the Relationship Officers, Relationship Manager, Director or Division Manager.
  • Develops knowledge of relevant industries; as well as economic conditions (i.e. interest rates, asset values, competition, market conditions, etc.) that impose risk to the client base.
  • Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business.
  • Reinforces the application of superior client service through his or her own example, along with appropriate follow-through with involved clients and employees.
  • Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
  • Adherence to bank policies and procedures designed to comply with Federal regulations, including but not limited to the Bank Secrecy Act, USA Patriot Act and OFAC regulations.
  • Completes administrative tasks correctly and on time; supports the Bank's goals and values.

Qualifications

Education/Skills/Training:
  • Bachelor's Degree or approved equivalent combination of education and experience. Work-related experience should consist of commercial financial analysis or a lending background. Educational experience, through in-house training sessions, formal business school or financial industry related curriculum.
  • Preferred two to three years' experience in financial and/or credit analysis or related areas.
  • Experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
  • Strong knowledge of commercial, construction and real estate credit analysis.
  • Ability to analyze and interpret general business periodicals, professional journals and technical procedures.
  • Ability to effectively present information and respond to questions from diverse groups, including managers, customers and members of the general public.
  • Proficient in Microsoft Office suite (Word, Excel and PowerPoint).
  • Strong typing skills to meet production needs of the position.
  • Strong math skills.
  • Effective verbal, written and interpersonal communication skills; ability to write reports and correspondence and speak clearly to customers and employees.
  • Ability to deal with normal problems involving multiple facets and variables in non-standardized situations and apply common sense in carrying out instructions and solving problems.
  • Excellent organizational and time management skills.
  • Ability to work with minimal supervision while performing duties.

Benefits

At WaFd Bank you get all of these great benefits!

  • Paid time off for vacation, sick days and holidays
  • Health insurance
  • Stock options
  • Bonus programs
  • Generous 7% 401(k) employer matching*
  • Paid Parental Leave
  • Life and AD&D insurance
  • Long-term disability
  • Tuition Reimbursement
  • Employee assistance programs
  • Pre-tax health and dependent-care spending plans

WaFd Bank Benefits Summary - Click here for more information

EEO Statement

We are committed to Equal Employment Opportunity and Affirmative Action. We recruit, hire, train and promote persons in all job titles and ensure that all other personnel actions are administered without regard to race, color, religion, sex, sexual orientation, gender identity, military and/or veteran status, or disability in accordance with Executive Order 11246, Section 503 of the Rehabilitation Act of 1973, as amended, and the Vietnam Era Veterans Readjustment Assistance Act of 1974, which require affirmative action to ensure equal opportunity in all aspects of employment. WaFd Bank does not discriminate on the basis of national origin or citizenship status as provided under the Immigration Reform and Control Act of 1986, or any other Federal or State legally-protected classes. WaFd Bank is committed to providing reasonable accommodations to employees and applicants with disabilities to the full extent required by the Americans with Disabilities Act (ADA). If you feel you need a reasonable accommodation pursuant to the ADA, you are encouraged to contact us at 800.324.9375

EEO is The Law - click here for more information

Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled

EEO Policy Statement - WaFd Bank

Know Your Rights: Workplace Discrimination is Illegal - click here for more information

Pay Transparency Nondiscrimination Provision - click here for more information

CCPA Notice at Collection for CA Employees and Applicants

Requisition Post Information* : Posted Date

4/17/2025

Average salary estimate

$75000 / YEARLY (est.)
min
max
$60000K
$90000K

If an employer mentions a salary or salary range on their job, we display it as an "Employer Estimate". If a job has no salary data, Rise displays an estimate if available.

What You Should Know About Energy Credit Analyst, WaFd Bank

As an Energy Credit Analyst at WaFd Bank in Dallas, you will play a vital role in the financial success of our clients and the bank itself. Imagine yourself diving deep into the analytics of credit information, providing essential support to our team of Relationship Officers and Managers. You'll assess the creditworthiness of potential borrowers while evaluating diverse loan requests, all while maintaining stellar client relations that promote our banking services. Your analytical skills will come into play as you gather and dissect financial data, utilizing spreadsheets to analyze statements and tax returns, all to ensure we make sound financial decisions. You’ll collaborate closely with our experienced professionals, gaining unique insights into industry trends, and contributing to loan requests that align with our credit culture. And it's not just about numbers; you’ll represent WaFd Bank in community functions, embodying our commitment to kindness and integrity. With a strong focus on professional growth, your journey awaits in our supportive environment, where your contributions make a difference, and every team member has a voice. Plus, with a salary range starting from $60,000.00 to a competitive $90,000.00 per year, the benefits are plentiful, including generous paid time off, health insurance, and robust retirement options. Join us and leverage your expertise in commercial financial analysis as part of our dedicated team at WaFd Bank.

Frequently Asked Questions (FAQs) for Energy Credit Analyst Role at WaFd Bank
What are the responsibilities of an Energy Credit Analyst at WaFd Bank?

The Energy Credit Analyst at WaFd Bank is responsible for conducting thorough due diligence on current and potential clients, assessing creditworthiness for loan requests, and supporting Relationship Officers in every phase of the analysis. This includes gathering detailed data, analyzing financial statements, conducting industry comparisons, and ensuring compliance with banking policies. It’s a role that requires both analytical and interpersonal skills to foster strong client relationships while meeting the bank's credit culture needs.

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What qualifications do I need to become an Energy Credit Analyst at WaFd Bank?

To qualify as an Energy Credit Analyst at WaFd Bank, you need a Bachelor’s Degree, preferably along with 2-3 years of experience in financial or credit analysis. A strong background in commercial lending or related fields and proficiency in financial statement analysis are also essential. Skills in Microsoft Office and effective communication are crucial for success in this role.

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What does the work environment look like for an Energy Credit Analyst at WaFd Bank?

Working as an Energy Credit Analyst at WaFd Bank means being part of a collaborative and supportive team environment. You'll engage with various professionals, work on meaningful financial analyses, and interact with clients to enhance the bank’s service. The culture emphasizes kindness, integrity, and professional growth, making it a welcoming place to develop your career.

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How can I apply to become an Energy Credit Analyst at WaFd Bank?

To apply for the Energy Credit Analyst position at WaFd Bank, interested candidates should prepare a tailored resume and cover letter showcasing relevant experience in financial analysis or credit evaluation. Applications can be submitted through the company's careers page or typical job application processes. Ensure you highlight your analytical skills, educational background, and any pertinent experiences in your application to stand out!

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What are the benefits offered to Energy Credit Analysts at WaFd Bank?

Energy Credit Analysts at WaFd Bank enjoy a comprehensive benefits package that includes paid time off, health insurance, stock options, a 7% 401(k) employer match, and tuition reimbursement. Additional perks such as paid parental leave, long-term disability, and employee assistance programs are also available, making it a rewarding position both professionally and personally.

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Common Interview Questions for Energy Credit Analyst
How do you assess the creditworthiness of a potential borrower?

To assess a potential borrower's creditworthiness, it's essential to collect financial statements, evaluate credit reports, and analyze their cash flow and payment history. It's vital to communicate effectively with clients to gather necessary information, and also to compare these insights against industry standards. Focus on demonstrating your analytical skills and how you use this data to make informed recommendations.

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Can you explain your experience with financial statement analysis?

When discussing your experience with financial statement analysis, consider mentioning specific techniques you've used to evaluate assets, liabilities, and cash flow. Highlight your familiarity with interpreting balance sheets and income statements, and how these analyses inform lending decisions. Use concrete examples to show how your analysis has contributed to successful loan approvals in the past.

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What tools or software do you use for credit analysis?

In your response, mention any financial analysis tools or software you are proficient in, especially Microsoft Excel, as it is essential for data analysis and creating financial models. Be sure to describe your experience with other tools relevant to credit analysis and how they aid in your workflow for producing accurate assessments of borrowers and loans.

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Describe a time when you had to gather client information for a loan application?

Use a specific example to demonstrate your ability to communicate with clients effectively. Explain the steps you took to ensure you received complete and accurate information for the loan application, and what methods you used to follow up. Highlight your proactive approach and attention to detail, showcasing how this led to a successful outcome.

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What do you know about WaFd Bank and its credit culture?

To show your knowledge about WaFd Bank, talk about its commitment to client service and community involvement. Discuss how its values align with the responsibilities of the Energy Credit Analyst role. Share insights into the bank's approach to credit assessments, credit risk, and overall lending practices that reflect its dedication to fostering meaningful relationships with clients.

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How do you handle pressure when analyzing high-stake loans?

Discuss your approach to managing pressure by emphasizing your organizational skills and prioritization techniques. Describe specific examples of high-stake analysis you’ve handled, and how you remained focused and detail-oriented under pressure. Highlight your ability to communicate with your team and management for decisions that align with the bank's objectives.

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Can you provide an example of a successful collaboration with Relationship Managers?

Share a specific instance where you worked closely with a Relationship Manager to complete a loan request. Discuss how you collectively addressed challenges, your contributions to enhance the application, and the positive outcomes of the partnership. This demonstrates not just your teamwork abilities but also your understanding of the critical role collaboration plays in credit analysis.

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What would you do if you had conflicting information about a client's financial data?

Talk about your systematic approach to resolving conflicting information. Mention steps like verifying data with clients, reviewing various sources, and consulting with colleagues for additional perspectives. Emphasize the importance of ensuring that all stakeholders have accurate information to make informed credit decisions and that you would document your findings meticulously.

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How would you keep up with industry trends affecting credit analysis?

Express your commitment to continuous learning by mentioning specific resources you follow, like industry publications or financial news outlets. Participate in relevant webinars or courses and connect with professionals in the field to stay updated on trends. Demonstrate that remaining informed allows you to better assess risk and understand the economic context of lending.

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Why do you want to work as an Energy Credit Analyst at WaFd Bank?

Your answer should reflect your alignment with WaFd Bank's values and your passion for the financial industry. Discuss how the Energy Credit Analyst position excites you due to its blend of analytical challenges and client interaction. Emphasize your desire to contribute positively to the bank's reputation and success while developing your own skills within a supportive environment.

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WaFd Bank believes that banking is more than a series of financial transactions. It is a commitment to building relationships both with clients and the community at large. Each and every banking transaction holds a deeper meaning - whether it's ...

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Full-time, on-site
DATE POSTED
April 18, 2025

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