Northwest is hiring an ACH Credit Analyst to manage credit risk for our ACH services. In this role, you will be responsible for spreading financial statements, analyzing ACH reviews to determine necessary documentation, and deciding the appropriate next steps for risk management. You will serve as the primary point of contact for Treasury Management Advisors and coordinate across teams to ensure portfolio safety.
What You'll Do
- Spread, review, and analyze financial statements to assess ACH exposure.
- Assist with annual and red flag reviews, making 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 adverse credit-related trends to management.
- Identify and track loan and credit policy exceptions.
- Assist in analyzing and monitoring the risk level of the ACH portfolio.
- Ensure correct due diligence is followed for high-risk ACH customers.
- Maintain excellent working knowledge of all software including Signature, nCino, Nautilus, and others.
- Monitor, develop, and suggest revisions to workflows and procedures to enhance efficiency.
- Identify potential for credit losses and mitigate 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 department-specific software to maximize technology tools.
- Work as part of a team and with on-site equipment.
What We're Looking For
- A proven track record in credit analysis or portfolio management.
- Strong analytical skills for assessing financial statements and credit risk.
- Ability to coordinate effectively with advisors and cross-functional teams.
- Knowledge of credit risk policies and regulatory compliance.
Nice to Have
- Bachelor’s degree in accounting or finance.
- 3-5 years of experience as a small business banker, portfolio manager, or credit analyst.
Technical Stack
- Microsoft Office Software
- Signature
- nCino
- Nautilus
Team & Environment
You will act as the point of contact for Treasury Management Advisors and coordinate with compliance, fraud, and operations groups.
Benefits & Compensation
- Compensation: $30.43 – $37.21 per hour.
- Additional bonus earning opportunities and benefits are also available.
Work Mode
This role follows a hybrid work model.
Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.
