Credit Analyst I

Glacier Bancorp, Inc.•Lewistown, MT

About The Position

First Bank of Montana is hiring a Credit Analyst to be an integral part of our team. The position can be located in one of our following Montana locations: Lewistown, Fairfield, Choteau, or Fort Benton. Do you have analytical skills and are interested in learning and growing within the banking field? This is the opportunity for you! This position involves providing loan support for loan officers across the bank division and requires a positive attitude and great customer service skills. The ability to work in a team atmosphere and promote the bank's products and services is required. Professionalism, confidentiality, good attendance, punctuality, flexibility and adaptability are a must! DUTIES AND RESPONSIBILITIES: The successful candidate will have extensive contact with bank staff as well as with external customers.. He/She will be expected to conduct him/herself in a manner that will enhance the overall efficiency and image of the bank. It will be required to build and maintain rapport with co-workers in order to complete tasks in a timely manner while following all policy and regulatory requirements. Must comply with applicable laws and regulations, including but not limited to, the Dodd-Frank Act, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a score of 85% or greater by due date. Credit Analyst Essential Job Functions: Perform Credit/Financial Analysis duties and support as assigned for the Commercial Loan Department. Accurate and prompt analysis of financial statements and tax returns with to-the-point written narratives. Meet turnaround goals set by management. Work with loan teams to monitor and follow-up on files to be sure financial information is being requested per policy guidelines. Maintain and monitor all loans with Borrowing Base Certificates. Ensure accurate calculations with recommendations to the loan officer for action. Assist the department in managing the technical exception reporting and correction process. Prepare and maintain a technical exception log for critical and technical exceptions. Keep current on loan programs and lending (federal and state) regulations as well as all compliance and bank policies and procedures. Participate in the preparation and presentation of all commercial training sessions. Assist Department Manager with various assigned tasks such as research requests for loan reviews, non-accrual/charge off entries, recommendation and implementation of new department procedures/practices, and acting as a back-up on various general duties. Provide various additional knowledge and support to the Commercial, Consumer, Loan Servicing and Collection departments as needed. Assist lending teams with outside calls, collateral inspections/valuations and other duties as assigned. Other Job Functions: Perform job functions in compliance with all company policies and procedures, federal and state rules and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC and GLBA/privacy rules. Keep management appropriately informed of area activities and of any significant problems. Participate in community service and bank sponsored activities that serve and support the mission and values of First Bank of Montana. Provide superior internal and external customer service: must demonstrate self-governance, courtesy, and respect toward external customers as well as internal customers (all organization personnel). Represent First Bank of Montana in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attend and participate in meetings as required. Regular and predictable attendance is an essential function of this job in order to accomplish, among other things, in-person contact with customers and lenders. Additional duties as requested or assigned.

Requirements

High school diploma or equivalent
Ability to work quickly and accurately
Ability to understand and follow written and oral instructions
Strong verbal and written communication skills
Good working knowledge of Microsoft applications such as Word, Excel, Outlook, etc. and the ability to learn new systems/applications
Ability to understand financial analysis (i.e. financial statements, tax returns, and business plans)
Ability to have a broad knowledge of banking regulations
Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise level.
Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary.
Must be able to work extended hours or travel off site whenever required or requested by management.
Must be capable of regular, reliable and timely attendance.
Must be capable of climbing / descending stairs in an emergency situation.
Must be capable of occasional travel (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.

Nice To Haves

Associates or Bachelors Degree in Finance related area of study preferred
One year banking experience preferred
One year sales and customer service experience preferred
Previous lending related experience and/or education preferred

Responsibilities

Perform Credit/Financial Analysis duties and support as assigned for the Commercial Loan Department.
Accurate and prompt analysis of financial statements and tax returns with to-the-point written narratives.
Meet turnaround goals set by management.
Work with loan teams to monitor and follow-up on files to be sure financial information is being requested per policy guidelines.
Maintain and monitor all loans with Borrowing Base Certificates.
Ensure accurate calculations with recommendations to the loan officer for action.
Assist the department in managing the technical exception reporting and correction process.
Prepare and maintain a technical exception log for critical and technical exceptions.
Keep current on loan programs and lending (federal and state) regulations as well as all compliance and bank policies and procedures.
Participate in the preparation and presentation of all commercial training sessions.
Assist Department Manager with various assigned tasks such as research requests for loan reviews, non-accrual/charge off entries, recommendation and implementation of new department procedures/practices, and acting as a back-up on various general duties.
Provide various additional knowledge and support to the Commercial, Consumer, Loan Servicing and Collection departments as needed.
Assist lending teams with outside calls, collateral inspections/valuations and other duties as assigned.
Perform job functions in compliance with all company policies and procedures, federal and state rules and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC and GLBA/privacy rules.
Keep management appropriately informed of area activities and of any significant problems.
Participate in community service and bank sponsored activities that serve and support the mission and values of First Bank of Montana.
Provide superior internal and external customer service: must demonstrate self-governance, courtesy, and respect toward external customers as well as internal customers (all organization personnel).
Represent First Bank of Montana in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs.
Keep work area tidy and maintain customer privacy.
Attend and participate in meetings as required.
Regular and predictable attendance is an essential function of this job in order to accomplish, among other things, in-person contact with customers and lenders.
Additional duties as requested or assigned.