ACH Credit Analyst

Job Description

The ACH Credit Analyst is responsible for spreading financial statements for customers using ACH, analyzing ACH reviews to assess the need for financial statements and spreads, and making decisions around the next step for the review. The Analyst will be the point of contact for Treasury Management Advisors who submit ACH reviews and coordinate with them on the correct documentation for ACH risk management.

Essential Functions

Spread, review, and analyze financial statements for ACH exposure

Assist with annual and red flag reviews and make appropriate recommendations for ACH exposure levels

Identify credit strengths, weaknesses, risks and mitigating factors

Assist in determining the appropriate course of action for customers in the Underwriting queue of Nautilus

Meet or exceed established service level expectations

Maintain a working knowledge of macroeconomic issues in local markets and regional industries

Ensure complete data and document integrity

Ensure Northwest's Credit Risk Policy is followed and report any adverse credit-related trends to upper management

Identify and track loan and credit policy exceptions

Assist in analyzing and monitoring risk level of ACH portfolio

Ensure that correct due diligence is following for high-risk ACH customers

Maintain excellent working knowledge of all software including Signature, nCino, Nautilus, and any others as appropriate

Monitor, develop, and suggest revisions to workflows and procedures as necessary to enhance efficiency and minimize expenses

Identify potential for credit losses and mitigating risk accordingly

Evaluate and decision intraday ACH breaches as needed

Coordinate with members of compliance, fraud, and operations groups as needed

May assist with risk management for other treasury services such as remote deposit capture and wire transfer

Ensure compliance with Northwest's policies and procedures, and Federal / State regulations

Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency

Work as part of a team

Work with on-site equipment

Experience and Education preferred

Bachelor's degree in accounting or finance

3-5 years of experience as a small business banker, portfolio manager, or credit analyst

Location

This position will work onsite Mon - Thurs with Friday as an optional work from home day.

The pay range for this position is generally $30.43 - $37.21 per hour. Actual pay is based on various factors including but not limited to the successful candidate's experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available.

#LI-EK1

Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.