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First Security Bank Montana - Div. of Glacier Bank · 1 day ago

Credit Analyst I

Bozeman, MT

Full-time

Onsite

Entry Level

1+ years exp

First Security Bank Montana, a division of Glacier Bank, is seeking a Credit Analyst I. The role is responsible for providing competent credit analysis for commercial lending activities, overseeing credit workflows, and working directly with lenders and clients to maintain credit quality in the portfolio.

CommunitiesFinTechVenture Capital

No H1B

Responsibilities

Perform commercial loan underwriting tasks such as analyze business & personal tax returns and financial statements, identify trends and concerns and work closely with assigned commercial team and customers to understand & mitigate credit issues

Assess credit worthiness of individuals, companies, and institutions

Provide informed professional opinions to bank officers regarding applicants financial/credit status, suggest loan structures, and support the lending process

Adherence and knowledge of loan policy to be used while underwriting and discussing potential loan requests

Undertakes risk analysis using regional and industry-specific data and gauges market trends

Preparing credit memos and recommendations based on the analysis and findings

Clearly and professionally communicates with lending teams and customers

Regular and predictable attendance to accomplish job duties and provide in-person contact with internal and external customers

Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a passing score by due date

Other duties as assigned

Qualification

Credit analysisCommercial loan underwritingFinancial statement analysisRisk analysisMicrosoft ExcelAnalytical skillsCustomer serviceCommunication skillsOrganizational skills

Required

Bachelor's degree in accounting, finance, or related field, or equivalent credit analyst knowledge gained through a combination of education and experience

Minimum of one-year prior experience in commercial banking, or related field

Basic understanding of financial data such as cash flow, balance sheet, income statement, and collateral valuation

Communicate effectively both verbally and in writing with others in a clear, thorough, and timely manner

Ability to calculate figures and amounts such as percentages and ability to apply concepts of basic math

Analytical skills to assess and evaluate areas of responsibility including determination of loan risk involved and recommendation of credit limitations

Proven analytical and problem-solving abilities

Ability to process detailed information with accuracy and efficiency

Assignments involve work of a confidential nature, necessitating exposure to sensitive information and contacts requiring discretion

A significant level of trust and diplomacy is required to be an effective subject matter expert in the position

Knowledge and proficiency with various computer programs; including but not limited to Microsoft Word and Excel, nCino, Jack Henry, or other software commonly used in the banking industry

Requires excellent verbal and written communication skills with the ability to communicate detailed information in clear, easy to understand manner

Demonstrated strong organizational skills and ability to both prioritize and multi-task while adapting to changing workflow and personalities

Must possess ability to prepare written reports and present formal presentations