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Full Time Credit Risk Manager Jobs in Bellingham, WA

HERITAGE BANK

Branch Banking Manager

Bellingham, WA · On-site

$80K - $94K/yr

This position is full-time and fully on-site. Typical schedule is Monday- Thursday 8:30 a.m. to 5 ... May be exposed to potential risk and hazard - receives detailed instruction to minimize risk.

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All JobsCredit Risk JobsFull Time Credit Risk Manager JobsFull Time Credit Risk Manager Jobs in Bellingham, WA

Full Time Credit Risk Manager information

See Bellingham, WA salary details

$89.9K

$164.5K

$248.9K

How much do full time credit risk manager jobs pay per year?

As of Sep 4, 2026, the average yearly pay for full time credit risk manager in Bellingham, WA is $164,549.00, according to ZipRecruiter salary data. Most workers in this role earn between $138,800.00 and $184,500.00 per year, depending on experience, location, and employer.

What is the difference between Full Time Credit Risk Manager vs Credit Analyst?

AspectFull Time Credit Risk ManagerCredit Analyst
CredentialsBachelor's degree in finance, economics, or related field; often certifications like CFA or FRMBachelor's degree in finance, accounting, or related field; certifications are optional
Work EnvironmentOversees credit risk policies, manages teams, and interacts with senior managementAnalyzes credit data, prepares reports, and supports risk assessments
Employer & Industry UsageFinancial institutions, banks, and lending companiesBanks, credit agencies, and investment firms

The Full Time Credit Risk Manager focuses on overseeing credit risk strategies and managing teams, while the Credit Analyst primarily conducts credit data analysis and supports risk evaluation. Both roles are essential in financial institutions but differ in scope and responsibilities.

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

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

What job categories do people searching Full Time Credit Risk Manager jobs in Bellingham, WA look for?

The top searched job categories for Full Time Credit Risk Manager jobs in Bellingham, WA are:

Full Time Credit Risk Manager jobs near you
Infographic showing various Full Time Credit Risk Manager job openings in Bellingham, WA as of August 2026, with employment types broken down into 88% Full Time, 11% Part Time, and 1% Contract. Highlights an 84% Physical, 3% Hybrid, and 13% Remote job distribution, with an average salary of $164,549 per year, or $79.1 per hour.

Business Banking Relationship Manager

WaFd Bank

Bellingham, WA • On-site

$80K - $123K/yr

Full-time

Medical, Life, Retirement, PTO

Posted 23 days ago

WaFd Bank rating

9.0

Company rating: 9.0 out of 10

Based on 10 frontline employees who took The Breakroom Quiz

7th of 174 rated banks

Job description

MinUSD $80,170.00/Yr.MaxUSD $123,600.00/Yr.Job Summary

A Business Banking Relationship Manager 1 is responsible for developing a calling plan to maintain and grow existing relationships and is responsible for developing new relationships that meet our client selectivity, profitability appetite, and risk appetite. The Relationship Manager has had proven success in independently winning new relationships (credit and non-credit) and negotiating terms with minimal assistance. Relationship Managers will be expected to partner with the appropriate Business Banking colleagues (Loan Coordinators, Loan Processors, Portfolio Managers, and Credit Administrators) to develop and maintain credit, depository, and treasury relationships with the guidance of a Regional President, or an Executive Director. Relationship Mangers work closely with Treasury Management Officers and Treasury Analyst to grow and service the non-credit needs of business clients. For credit needs, the Relationship Manager will primarily use a centralized underwriting channel. These positions will develop and manage business banking relationships which meet established criteria for the Business Banking business line, which includes LTOB > $500M, TRE > $5MM. Role seeks to maximize profitability to the bank, while limiting the Credit Risk associated with the relationship.

Along with the key functions listed below, this position will be expected to uphold the value that WaFd Bank places on simply being kind when servicing our co-workers and WaFd Bank clients.

KEY FUNCTIONS:

  • Engages in business development activities and solicitation of new business prospects; actively involved in instilling and maintaining a positive sales environment through education of the Bank's products and services; maintains active prospecting efforts, including identification, qualification and calling; investigates and follows up on significant changes in status of existing customers; consistently balances prospecting efforts and quality customer maintenance responsibilities; meets with customers to discuss needs and outline appropriate Bank services; resolves customer concerns or problems as necessary.
  • Establish, and negotiate where necessary, the terms under which credit will be extended, including the costs, repayment method and schedule and collateral requirements.
  • Developing a deep understanding of non-credit products. Leads the engagement with clients and prospects uncovering opportunities and appropriate solutions to help the clients more efficiently manage cash flow.
  • Performs all required portfolio management responsibilities, including but limited to monitoring of customers' financial reporting requirements and compliance with covenants.
  • Stays current on all compliance training and adheres to the bank's commitment to abide by all Know Your Customer expectations and Bank Secrecy Act regulations.
  • Seeks to be a trusted advisor by maintaining current knowledge on the customers' business and industry.
  • Participates in Networking to increase the Bank's visibility in the business communities we serve, and to enhance new business opportunities.
  • Serves as the primary contact for non-borrowing and borrowing clients for matters relating to other Bank services, including personal, private banking, and wealth management.
  • Partners closely with SBA Loan Officer's for credits requiring government guarantees.
  • Counsels with and assists in the training, development and mentoring Branch Managers
  • Adhere to bank policies and procedures designed to comply with federal regulations, including but not limited to the Bank Secrecy Act, USA Patriot Act and OFAC regulations. To that end, ensure timely and accurate preparation of Currency Transaction Reports, Suspicious Activity Reports and other recordkeeping requirements.
  • Complete and pass all assigned eLearning courses and assigned certifications as required.
  • Avoid all real or perceived conflicts of interest and always maintain client privacy and confidentiality.
  • Completes special projects assigned by manager.
    • Qualifications

    Education/Skills/Training:

    • Bachelor's Degree or approved equivalent; completion of courses in finance, accounting and real estate analysis or equivalent training in commercial banking.
    • Negotiating experience, accuracy, strong organizational skills, attention to detail and success working with clients with diverse banking needs.
    • Effective verbal and written communication skills. Able to work independently with little supervision as well as in a team environment.
    • Must be proficient with Microsoft Office applications, (primarily WORD, PowerPoint Excel, Teams, Outlook, and Power BI); Experience with nCino and Salesforce is desired; Position requires clear and concise verbal and written communication skills including good customer relations skills.

    Experience:

    • Minimum of 2 years originating Business Loans up to $5MM through a centralized underwriting channel.
    • Proven success in growing existing credit and deposit relationships, and winning new relationships.
    • Possess a good understanding and working knowledge of commercial lending terminology, fundamentals of sound credit underwriting, loan processing, loan documentation and lending procedures.
    • A Relationship Manager must be self-motivated and production-oriented with a desire to grow existing relationships and actively pursue business development.
    Benefits

    At WaFd Bank you get all of these great benefits!

    • Paid time off for vacation, sick days and holidays
    • Health insurance
    • Stock options
    • Bonus programs
    • Generous 7% 401(k) employer matching*
    • Paid Parental Leave
    • Life and AD&D insurance
    • Long-term disability
    • Tuition Reimbursement
    • Employee assistance programs
    • Pre-tax health and dependent-care spending plans

    WaFd Bank Benefits Summary - Click here for more information

    EEO Statement

    We are committed to Equal Employment Opportunity and Affirmative Action. We recruit, hire, train and promote persons in all job titles and ensure that all other personnel actions are administered without regard to race, color, religion, sex, sexual orientation, gender identity, military and/or veteran status, or disability in accordance with Executive Order 11246, Section 503 of the Rehabilitation Act of 1973, as amended, and the Vietnam Era Veterans Readjustment Assistance Act of 1974, which require affirmative action to ensure equal opportunity in all aspects of employment. WaFd Bank does not discriminate on the basis of national origin or citizenship status as provided under the Immigration Reform and Control Act of 1986, or any other Federal or State legally-protected classes. WaFd Bank is committed to providing reasonable accommodations to employees and applicants with disabilities to the full extent required by the Americans with Disabilities Act (ADA). If you feel you need a reasonable accommodation pursuant to the ADA, you are encouraged to contact us at 800.324.9375

    EEO Policy Statement - WaFd Bank

    Know Your Rights: Workplace Discrimination is Illegal - click here for more information

    California Consumer Privacy Act- CCPA 2025

    Requisition Post Information* : Posted Date8/12/2026Employment Type: FULL_TIME

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