Credit Analyst I

Glacier Bancorp, Inc.•Wenatchee, WA

37d

About The Position

The Credit Analyst I supports Loan Officers and commercial lenders by preparing loan documents and analyzing customer financial statements, tax returns, budgets, and other financial data. The role performs ratio, industry benchmark, historical, and budget-to-actual comparisons; prepares reports used in loan decisions; and conducts underwriting analysis. It also supports accurate and efficient administration of installment, commercial, and real estate loan collateral files in accordance with bank policies and applicable regulations, and provides professional customer service to customers and outside associates. The position assists with credit analysis and approval, preparation and tracking of credit packages, loan closing and renewals, collateral documentation, audit and examination preparation, and follow-up on late accounts. It maintains professional relationships with customers, bank personnel, government agencies, and other external associates. Responsibilities may vary as delegated by the Commercial Banking Officer or Commercial Loan Officer.

Requirements

At least 2 years of experience in accounting or financial analysis skills, or a related associate degree.
High school diploma or GED.
Proficiency with Microsoft Word, Excel, and Outlook.
Ability to maintain strict confidentiality.
Strong written and oral communication skills.
Strong customer service skills.
Strong organizational skills and attention to detail.
Accuracy with financial calculations.
Ability to perform primarily sedentary work, with limited physical exertion and occasional lifting of up to 10 pounds.
Ability to climb or descend stairs in an emergency.
Ability to operate routine office equipment, including a telephone, copier, facsimile machine, and calculator.
Ability to routinely work on a computer for an average of 6–8 hours per day when necessary.
Ability to work extended hours when required or requested by management.
Ability to maintain regular, reliable, and timely attendance.
Legal authorization to work in the United States; the employer does not sponsor work visas.

Nice To Haves

Bachelor’s degree in finance, accounting, or a related field.
At least 1 year of banking experience.
Experience with Jack Henry systems.

Responsibilities

Prepare or oversee credit authorizations, supporting documents, and loan information sheets for new and existing accounts.
Spread and analyze financial statements and tax returns using appropriate tools and credit criteria; evaluate cash flows, financial trends, industry data, and pricing.
Develop and communicate questions and comments about borrower financial trends and relevant borrower and industry data.
Assist assigned Loan Officers in managing loan portfolios, including borrower background and credit qualification, proposal materials, draft loan reports, and credit package completion tracking.
Research and analyze company and industry data independently and, when appropriate, recommend loan terms or pricing structures to a commercial lender.
Prepare files for audits and examinations, track their progress and security, and assist with research and follow-up on audit or examination responses.
Complete the loan closing process with customers and begin collection efforts on late accounts.
Prepare credit approval documents, correspondence, periodic reports, financial statements, and loan analysis reports accurately and within guidelines.
Communicate verbally and in writing with customers, business associates, affiliates, bank supervision, management, and staff.
Provide friendly, efficient customer service and maintain professional relationships with government agencies, insurance agents, title company personnel, auditors, and other outside associates.
Ensure installment, commercial, and real estate loans are processed in accordance with bank policies and processes.
Process commercial loan computer input as needed; track insurance and UCC-1 filings; file legal documents; protect collateral; maintain orderly files; follow up on pending and exception items; and prepare and release forms for paid-out loans.
Prepare and mail loan renewal packets and provide copies of customer financial and legal documents when requested.
Assist with development and maintenance of management reports as directed by the Chief Banking Officer.
Comply with bank policies and procedures and applicable laws and regulations, including the Bank Secrecy Act, Patriot Act, and Office of Foreign Assets Control requirements.
Adhere to Wheatland Bank Core Values; keep management informed of activities and significant problems; provide exceptional internal and external customer service; and represent the bank professionally, including maintaining confidentiality, attendance, and punctuality.
Maintain regular contact with the supervisor, commercial loan officers, and bank personnel, and frequent contact with customers and outside associates as needed to support loan-file accuracy, disbursements, inquiries, and cross-selling.