Commercial Credit Specialist - Walla Walla, WA

Job Category
:
Banking

Requisition Number
: COMME
001321

• Posted :
  January 16, 2026
• Full-Time
• On-site

Showing 1 location

Baker Boyer is the oldest independently owned community bank in the Pacific Northwest. It serves the Walla Walla, Kennewick, and Yakima communities with seven branches, providing wealth management as well as personal and business banking services.

• Commercial Credit Specialist - $62,487 - $85,921 a year
• Great Benefits!
  • Medical, Dental, Vision plans with additional:
    • AD&D & Life Insurance
    • Long Term Disability
• 401(k) -100% safe harbor match up to 6%, plus an additional profit-sharing contribution, resulting in employer contributions of up to 12% of annual salary.
• 10 days
  * of Vacation time – The annual Vacation accrual increases by a day each year for the first 10 years, and an additional half day each year for the next 10 years, reaching the maximum Vacation accrual of 25 days at year 20.
• 7 days
  * of Sick, Safe & More (SSMORE) leave - SSMORE accrues at a rate of 1.2 hours for every 40 hours worked. SSMORE is intended to meet sick and safe leave needs, but it can also be used for vacation or other personal leave.
• 3 Revive & Renew (R&R) days – We understand the importance of unwinding and recharging, so these R&R days are loaded on the first of each year (prorated for new hires based on the quarter in which they’re hired).
• 11 Paid Federal Holidays annually*

* Number of paid holidays may be fewer than 11 on years when there are Federal Holidays that are observed on Saturdays.

• Life Assistance Plan
• Free access to financial counselors
• Employee Wellness Program
• 8 hours of paid volunteer time annually

The Commercial Credit Specialist (Specialist) partners with Business Advisor(s) by assisting in obtaining relevant credit and financial data used in evaluating the credit worthiness of a client, analysis of financial information, and credit management decisions for business banking loan types including commercial, dealer, and agricultural borrowers. The Specialist produces comprehensive and objective credit analysis of borrowers through the review, spreading and trend comparison of financial reports and assists the Business Advisor in making an informed credit decision.

The Specialist must be able to identify potential risks of the credit using acceptable trend analysis generated by various tools, spreadsheets, and Financial Analyzer. The Specialist must clearly and concisely communicate such analysis to the Business Advisor and bank management in the form of loan write-ups and other such reports and determine the appropriate mitigation of such risks.

The Specialist will also partner with the Business Advisor in the management of the loan portfolio by making decisions to recognize and report problem credits, reviewing past due loan reports and providing a management plan to remedy them.

The Specialist must also be able to act on the behalf of their Business Advisor partner, by fulfilling the necessary duties in their absence. This includes acting independently to make decisions regarding the management of the portfolio to ensure that the portfolio continues to provide a revenue stream.

• Spreads and analyzes monthly, quarterly, and annual financial information, prepares spreadsheets, calculates ratios, prepares budgets and projections of borrowers to determine if they have the capacity to repay debt as agreed. Analyzes borrowers’ industry, business practices, and management capability as well as financial condition, performance and projections.
• Prepares well-written loan requests for the Business Advisor and lending management summarizing borrower’s loan request, officer recommendations, an analysis of the proposed collateral, an analysis of financial trends, and provide a recommendation that includes a structure that matches a borrower’s ability to repay their loans.
• Works with the Business Advisor to gather detailed data on borrower, history, management experience, industry, and other necessary facts pertinent to preparing a complete and high-quality loan report. May assist in presenting loan report to underwriting and…