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Director Credit Risk Jobs in Spokane, WA (NOW HIRING)

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Director Credit Risk information

See Spokane, WA salary details

$85.4K

$158.1K

$304.9K

How much do director credit risk jobs pay per year?

As of Aug 30, 2026, the average yearly pay for director credit risk in Spokane, WA is $158,053.00, according to ZipRecruiter salary data. Most workers in this role earn between $105,700.00 and $190,100.00 per year, depending on experience, location, and employer.

What does a director credit risk do?

A Director of Credit Risk is responsible for overseeing an organization’s credit risk management strategies and policies. They analyze credit data, assess potential risks in lending or credit activities, and work to minimize losses related to bad debts. This role often involves leading a team, setting risk tolerance levels, and ensuring compliance with regulatory requirements. Directors of Credit Risk also collaborate with other departments to align risk management with the company's overall business objectives.

What are the key skills and qualifications needed to thrive as a director credit risk?

To thrive as a Director of Credit Risk, you need deep expertise in credit analysis, risk management, and financial modeling, usually supported by a degree in finance, economics, or a related field. Familiarity with risk assessment software, credit scoring systems, and regulatory compliance tools, along with certifications like CFA or FRM, is highly valued. Strong leadership, strategic thinking, and communication skills help drive cross-functional collaboration and effective risk mitigation. These competencies are crucial for making informed credit decisions that protect the organization's financial health and comply with regulatory standards.

What are some common challenges faced by a director credit risk and how can they be addressed?

A Director of Credit Risk often faces challenges such as balancing risk appetite with business growth goals, staying ahead of evolving regulatory requirements, and managing credit exposures in volatile markets. To address these, it's essential to foster strong collaboration with business units, maintain robust credit risk frameworks, and leverage data analytics for proactive decision-making. Continuous professional development and close communication with compliance and audit teams also help ensure that credit policies remain effective and up-to-date.

What is the difference between Director Credit Risk vs Credit Analyst?

AspectDirector Credit RiskCredit Analyst
CredentialsBachelor's/Master's in Finance, Economics, or related; often requires experience in credit risk managementBachelor's degree in Finance, Economics, or related; entry-level to mid-level roles
Work EnvironmentStrategic, leadership-focused, overseeing credit risk policies and teamsAnalytical, research-focused, assessing individual credit applications and risk
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending companies, credit bureaus

The main difference is that a Director Credit Risk leads and develops credit risk strategies at a high level, while a Credit Analyst focuses on evaluating individual credit applications and assessing risk at a more operational level. The Director role involves strategic oversight, whereas the Credit Analyst role is more analytical and detail-oriented.

What are the most commonly searched types of Credit Risk jobs in Spokane, WA?

The most popular types of Credit Risk jobs in Spokane, WA are:

What are popular job titles related to Director Credit Risk jobs in Spokane, WA?

For Director Credit Risk jobs in Spokane, WA, the most frequently searched job titles are:

What job categories do people searching Director Credit Risk jobs in Spokane, WA look for?

The top searched job categories for Director Credit Risk jobs in Spokane, WA are:

What cities near Spokane, WA are hiring for Director Credit Risk jobs?

Cities near Spokane, WA with the most Director Credit Risk job openings:

Director Credit Risk jobs near you
Infographic showing various Director Credit Risk job openings in Spokane, WA as of August 2026, with employment types broken down into 100% Full Time. Highlights an 80% In-person, and 20% Remote job distribution, with an average salary of $158,053 per year, or $76 per hour.

SBA Servicing & Liquidation Specialist

Spokane, WA • On-site

Washington Trust Bank
Commercial Banking • 501 - 1,000 employees
Learn more about Washington Trust Bankexternal

$77K - $116K/yr

Full-time

Medical, Life, Retirement

Posted 4 days ago

Job description

The SBA Servicing & Liquidation Specialist is responsible for overseeing the post-closing servicing, monitoring, workout support, liquidation coordination, and SBA compliance management of Washington Trust Bank's SBA loan portfolio. This role serves as the subject matter expert for SBA servicing requirements and works closely with Relationship Managers, Credit Administration, Loan Operations, Special Assets, and Legal to preserve SBA guaranties while minimizing portfolio risk.
The Specialist ensures all servicing and liquidation activities are conducted in accordance with SBA SOP requirements, Bank policies, and regulatory expectations while delivering exceptional internal and external customer service.
ESSENTIAL FUNCTIONS
SBA Portfolio Servicing:
  • Review and process SBA servicing actions in accordance with current SBA SOPs, SBA Servicing & Liquidation Matrix requirements, and bank policy.
  • Evaluate and document servicing requests including:

    • Payment deferments
    • Loan modifications
    • Maturity extensions
    • Assumptions
    • Collateral substitutions
    • Releases of collateral
    • Subordinations
    • Changes in ownership
    • Borrower/Guarantor changes

  • Maintain proper servicing documentation and SBA approval requirements.
  • Provide guidance to lenders and portfolio managers regarding SBA servicing regulations aligning them with bank requirements.
  • Coordinate required SBA notifications and approvals through E-Tran and SBA servicing centers.
  • Monitor annual review requirements, covenant compliance, insurance coverage, UCC continuations, and other servicing obligations.

Portfolio Monitoring & Risk Management:
  • Identify loans exhibiting signs of deterioration, delinquency, or default.
  • Assist with portfolio reviews and watch-list monitoring.
  • Develop action plans with Relationship Managers and Special Assets personnel to address emerging credit risk.
  • Track borrower performance and identify trends that may impact portfolio quality.
  • Maintain servicing ticklers and exception reporting systems.

SBA Liquidation & Workout Administration:
  • Coordinate SBA liquidation activities for problem loans.
  • Assist in developing workout, liquidation, and recovery strategies.
  • Prepare and submit:

    • Universal Purchase Packages
    • Litigation Plans
    • Liquidation Plans
    • Charge-Off Packages
    • Wrap-Up Reports
    • Offer in Compromise documentation

  • Ensure all SBA timelines and reporting requirements are met.
  • Monitor liquidation expenses and recovery efforts.
  • Work with Special Assets, legal counsel, appraisers, auctioneers, and other third parties throughout the liquidation process.
  • Assist in preserving SBA guaranties by ensuring compliance with servicing and liquidation requirements.

SBA Compliance & Quality Control:
  • Maintain detailed knowledge of SBA SOP 50 10, SOP 50 57, procedural notices, and servicing guidance.
  • Perform quality control reviews of servicing and liquidation files.
  • Identify compliance deficiencies and recommend corrective actions.
  • Assist management with SBA audits, examinations, and lender reviews.
  • Participate in policy and procedure updates.
  • Recommend process improvements to strengthen efficiency and compliance.

Reporting & Administration:
  • Prepare servicing, delinquency, liquidation, and recovery reports.
  • Assist with SBA 1502 reporting and portfolio data management.
  • Maintain accurate loan records and document imaging.
  • Support departmental goals, projects, and strategic initiatives.
  • Participate in SBA training and continuing education.

QUALIFICATIONS
Required:
  • Advanced understanding of SBA 7(a) lending programs.
  • Strong knowledge of SBA servicing and liquidation requirements.
  • Ability to interpret SBA SOPs and regulatory guidance.
  • Understanding of commercial credit analysis and problem loan management.
  • Strong analytical and investigative skills.
  • Excellent written, verbal, and interpersonal communication abilities.
  • Exceptional organizational and time-management skills.
  • Ability to manage multiple priorities independently.
  • Strong problem-solving and decision-making capabilities.
  • Proficiency in Microsoft Word, Excel, Outlook, and loan servicing systems.
  • Bachelor's degree in Business, Finance, Accounting, Banking, or related field, or equivalent experience.
  • Minimum 5 years of commercial lending, SBA lending, loan servicing, credit administration, special assets, or related banking experience.
  • Minimum 5 years of direct SBA experience.

Preferred:
  • SBA servicing and liquidation experience.
  • Experience preparing SBA purchase and charge-off packages.
  • Experience working with SBA E-Tran systems.
  • Knowledge of SBA guaranty repair and denial risk.
  • Experience supporting SBA lender reviews or audits.

Compensation:
Spokane: $77,798.43 - $116,697
The compensation range represents the low and high end of the base compensation range for this position based in Spokane, WA. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance.
What Our Culture Can Offer You:
Our benefit philosophy is to provide you with a comprehensive package to secure your overall wellness and help you become and remain a fulfilled and productive employee. Our benefits include Health, Financial, Retirement and Work/Life Benefits. We are proud to share an overview of our benefits HERE as part of your total compensation.
Washington Trust Bank celebrates diversity in the workplace and actively recruits talent to help reflect the unique communities where we live and work. We are proud to be an equal opportunity employer and prohibit discrimination or harassment based on race, religion, sex, gender identity, sexual orientation, national origin, age, pregnancy, disability, genetic information and any other protected characteristics outline by state, federal and local laws. We believe strength comes from the diverse backgrounds and experiences of our team, and we are dedicated to fostering a supportive and inclusive work environment.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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