Freelance Credit Risk Manager Jobs in Seattle, WA

Mountain Pacific Bank is looking for a full-time Credit Administration Officer and Appraisal Manager to join our team. 

Recognized by the Independent Community Bankers Association (ICBA) as one of the Best Community Banks to Work For, Mountain Pacific Bank is committed to fostering a positive work environment, providing opportunities for professional development, and promoting a culture of inclusion, empowerment, and community engagement.

Started by 17 local business and outstanding community leaders, Mountain Pacific Bank is a Community Bank dedicated to serving Whatcom, Skagit, Snohomish, and King Counties. An equally important part of our plan is to reinvest in the community with resources, time and talents.

Your Role

This position supports the Bank’s credit risk management framework through oversight of appraisal and evaluation functions, portfolio administration processes, collateral pledge programs, loan underwriting, and management reporting. The role ensures valuation activities are completed in compliance with regulatory requirements and internal policy while managing key operational functions that support portfolio quality, liquidity access, and sound credit decisions. This position requires strong judgment, attention to detail, organization, and the ability to manage multiple priorities in a regulated banking environment.

Essential Responsibilities

Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.

• Oversee the real estate appraisal and evaluation process for commercial banking
• Ensure compliance with FIRREA, USPAP, Interagency Appraisal Guidelines, and Bank policy
• Maintain approved appraiser lists and monitor independence, licensing, insurance, and performance standards
• Manage appraisal workflow systems, vendor relationships, bids, engagement letters, revisions, and delivery timelines
• Underwrite and prepare recommendations for credit card requests, consumer loan requests, express loan requests, and other delegated credit products
• Approve or decline requests within assigned authority, if applicable
• Gather, validate, and compile data for Board and other management reports
• Manage operational processes related to FHLB collateral pledging and reporting
• Oversee Federal Reserve BIC1 and other collateral pledge processes
• Assist with audits, examinations, and regulatory requests
• Recommend process improvements that strengthen controls and efficiency
• Provide backup support within Credit Administration as needed
• Performs other duties as assigned

What You'll Bring

• Knowledge of appraisal regulations, valuation processes, and common collateral issues
• Working knowledge of commercial and consumer credit fundamentals, loan structure, and cash flow analysis
• Knowledge of loan policies, banking regulations, and risk mitigation practices
• Ability to interpret policy, identify risks, and make sound recommendations.
• Strong organizational, analytical, and time management skills
• Strong written and verbal communication skills.
• Proficiency in Excel, Word, Outlook, and applicable banking systems
• Ability to work independently and collaboratively while managing confidential information

Required Education and Experience

• Bachelor’s degree in Finance, Accounting, Business, or equivalent experience
• Minimum of 5 years of banking, credit administration, appraisal management, underwriting, or related experience
• Experience with commercial lending, collateral valuation, reporting, or loan operations preferred

Physical Demands

While performing the duties of this job, the employee is constantly required to remain in a stationary position and operate a computer and other office productivity machinery, such as a multi-line telephone, copy machine, scanner, fax, and computer printer. The employee needs to frequently communicate with internal and external contacts and move about inside the office to access file cabinets, office machinery, and other work areas. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Environment

• Climate controlled business office environment
• Ability to work in artificial light for extended periods of time
• Noise level is usually moderate
• Work requires concentration under frequent interruptions and changing priorities
• This is a full-time, in-person position: Monday through Friday; 40 hours per week
• Regular attendance and punctuality are required. Additional hours may be needed based on business demands

Travel Required

• Minimal (0%-10%) local, non-overnight travel.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. This job description does not constitute a written or implied contract of employment or otherwise modify the terminable-at-will employment relationship.

Job Type: Full-time in person

Pay: $80,200 - $95,000

Benefits:

• Bonus Opportunity (based on company and individual performance)
• 401(k) with matching contribution
• Comprehensive medical, dental, and vision insurance with 100% of employee base premiums covered.
• Healthcare and Dependent Care Flexible Spending Account
• Minimum of 10 paid vacation days per year*, with minimum of 15 paid vacation days after 1 year of employment.
• 2 additional PTO days annually**
• 11 paid holidays
• 8 hours of paid sick time per month*
• Paid Life, AD&D, and Long-Term Disability insurance
• Employee assistance program
• Referral program
• Tuition reimbursement
• Mountain Pacific Bank account and loan perks

 *pro-rated from start date and/or hours worked 
**granted every January 1st