First Security Bank · 1 month ago
Credit Analyst II
Missoula, MT
Full-time
Onsite
Entry, Mid Level
2+ years expFirst Security Bank is seeking a Credit Analyst II, who will be responsible for analyzing financial data and preparing analyses for credit authorizations and portfolio management. The role requires a deep understanding of credit underwriting practices and involves collaboration with the Commercial Lending Team to manage customer relationships and loan portfolios.
BankingFinanceFinancial Services
No H1B
Responsibilities
Complete comprehensive financial analysis for both current and prospective clients by completing financial spreads or other financial methodologies accepted by the bank
Independently analyze more complex financial statements and tax returns and develop and convey questions/comments pertaining to financial trends and relevant borrower/industry data
Maintain extensive knowledge of lending policies, procedures, and practices of the bank
Provide project level support (Lead or Assist) to continuously improve the operations of the team and bank
May serve as a mentor/trainer to junior analysts, and provide coaching, when necessary, to develop the team
Perform annual term loan reviews when requested
Assist in keeping the annual term loan review tracking up to date
Monitor compliance with loan agreement covenants associated with all loans with each review
Provide support in the preparation of Problem Loan Reports as requested
Conduct credit investigations when necessary
Work with Commercial Loan Officer in monitoring customer accounts and loan portfolios to detect changes that might affect their credit standing
Work collaboratively with Commercial Loan Officers to manage customer relationships and loan portfolios
May be asked to accompany Commercial Loan Officers on sales calls/customer calls
Recommend to Commercial Loan Officer approval and/or changes in new or existing credit lines
Produce high-quality financial analysis in a generally acceptable amount of time
Ensure accuracy in each underwriting product with an error rate satisfactory to UM or similar
Lead or heavily contribute to the successful completion/implementation of a project either self-identified (and approved by manager) or directed by direct manager on a yearly basis
Complete 1-2 self-identified (and approved by manager) or directed professional development opportunities per year
Qualification
Required
Two to four years of similar or related experience to include preparatory experience
A bachelor's degree in business, accounting, finance, or related field is required
Must possess current, valid driver's license
Knowledge of banking compliance regulations and guidelines related to area of responsibility
Working knowledge of standard office equipment
Skills in areas related to computer operation/use including working knowledge of Microsoft applications and ability to learn new systems/applications
Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques
Demonstrate soft phone skills by treating all internal and external customers in a polite and courteous manner
Customer Service: We are community inspired and pride ourselves on offering exceptional service to both our internal and external customers
Teamwork: Demonstrate ability to work independently and as part of a team
Professionalism: Exhibit a professional manner in dealing with others
Ethical Behavior: Model high standard of honesty, integrity, trust, and openness
Confidentiality: Maintain strict confidentiality regarding any information obtained during performing job duties
Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives
Adaptability: Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude
Planning and Organization: Prioritize, organize, and plan work; use time efficiently; and achieve results within time frames
Judgment/Problem Solving: Display ability and willingness to make sound decisions
Individual Responsibility and Accountability: Accept responsibility for own work performance
Mathematical Skills: Ability to apply accounting, scheduling, and budgeting, measurement, and calculation math skills associated with lending activities for purposes of data analysis
Analytical Thinking: Develop feasible solutions based on logical and reasonable assumptions and factual observation
Negotiation: Negotiate with, convince, or influence others to take a course of action to achieve a specific result
Networking: Build networks of useful relationships necessary to achieve positive results
Benefits
Medical, dental, vision, and life insurance
Health savings account option
Employee Assistance Program (EAP)
Health rewards program
Retirement savings plan, including 401(k) and Profit-Sharing plans
Short and long-term disability benefits
Education and training benefits
Discounts on banking products and services
Generous Paid Time Off (PTO) plan
Paid holidays
Company
First Security Bank
First Security Bank provides wealth management, public finance, real estate development, revitalization, leasing and mortgage services.
501-1000 employees
Funding
Current Stage
Late StageTotal Funding
unknown2024-09-30Acquired
Leadership Team
Stacey Richards
Vice President of Business Development
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