<p>Job Description</p> <p>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.</p> <p>Essential Functions</p> <ul> <li> <p>Spread, review, and analyze financial statements for ACH exposure</p> </li><li> <p>Assist with annual and red flag reviews and make appropriate recommendations for ACH exposure levels</p> </li><li> <p>Identify credit strengths, weaknesses, risks and mitigating factors</p> </li><li> <p>Assist in determining the appropriate course of action for customers in the Underwriting queue of Nautilus</p> </li><li> <p>Meet or exceed established service level expectations</p> </li><li> <p>Maintain a working knowledge of macroeconomic issues in local markets and regional industries</p> </li><li> <p>Ensure complete data and document integrity</p> </li><li> <p>Ensure Northwest's Credit Risk Policy is followed and report any adverse credit-related trends to upper management</p> </li><li> <p>Identify and track loan and credit policy exceptions</p> </li><li> <p>Assist in analyzing and monitoring risk level of ACH portfolio</p> </li><li> <p>Ensure that correct due diligence is following for high-risk ACH customers</p> </li><li> <p>Maintain excellent working knowledge of all software including Signature, nCino, Nautilus, and any others as appropriate</p> </li><li> <p>Monitor, develop, and suggest revisions to workflows and procedures as necessary to enhance efficiency and minimize expenses</p> </li><li> <p>Identify potential for credit losses and mitigating risk accordingly</p> </li><li> <p>Evaluate and decision intraday ACH breaches as needed</p> </li><li> <p>Coordinate with members of compliance, fraud, and operations groups as needed</p> </li><li> <p>May assist with risk management for other treasury services such as remote deposit capture and wire transfer</p> </li><li> <p>Ensure compliance with Northwest's policies and procedures, and Federal/State regulations</p> </li><li> <p>Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency</p> </li><li> <p>Work as part of a team</p> </li><li> <p>Work with on-site equipment</p> </li></ul> <p>Experience and Education preferred</p> <ul> <li> <p>Bachelor's degree in accounting or finance</p> </li><li> <p>3-5 years of experience as a small business banker, portfolio manager, or credit analyst</p> </li></ul> <p>Location</p> <p>This position will work onsite Mon - Thurs with Friday as an optional work from home day.</p> <p>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.</p> <p>#LI-EK1</p> <p>Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.</p>