Credit Analyst I

Glacier Bancorp, Inc.•Lewistown, MT

1d•Onsite

About The Position

First Bank of Montana is hiring a Credit Analyst to support loan officers across the bank division at its Lewistown, Montana location. The role provides credit and financial analysis support to the Commercial Loan Department and involves regular contact with bank staff and external customers. The successful candidate is expected to work collaboratively, provide strong customer service, promote the bank’s products and services, and conduct themselves professionally while protecting confidentiality and following bank policies and regulatory requirements. The position analyzes financial statements and tax returns and prepares concise written narratives within management’s turnaround goals. It monitors loan files for requested financial information, manages loans with Borrowing Base Certificates, supports technical exception reporting and correction, and assists with department research, procedures, training, and general duties. Support may also be provided to other lending and servicing departments, including through outside calls and collateral inspections or valuations. The work is performed indoors in a climate-controlled shared work area with minimal noise. The role requires use of routine office equipment and computer work averaging 6–8 hours per day when necessary. Extended hours, occasional off-site travel, and reliable attendance may be required. Occasional travel is specified as fewer than 10 days per year.

Requirements

High school diploma or equivalent.
Ability to work quickly and accurately and to understand and follow written and oral instructions.
Strong verbal and written communication skills.
Good working knowledge of Microsoft applications such as Word, Excel, and Outlook, and ability to learn new systems and applications.
Ability to understand financial analysis, including financial statements, tax returns, and business plans.
Ability to develop a broad knowledge of banking regulations.
Professionalism, confidentiality, good attendance, punctuality, flexibility, adaptability, and a positive attitude.
Ability to work in a team atmosphere and provide customer service.
Ability to comply with applicable laws and regulations, including the Dodd-Frank Act, Bank Secrecy Act, Patriot Act, and OFAC requirements.
Ability to perform work indoors in a climate-controlled shared work area and operate routine office equipment, including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
Ability to work on a computer for an average of 6–8 hours per day when necessary and to work extended hours or travel off site when required or requested by management.
Ability to meet the role’s physical demands, including frequent sitting and hand use, occasional standing, walking, lifting or reaching, and other movements; light lifting of up to 10 pounds occasionally; and close visual acuity for computer, reading, and analytical work.
Ability to travel occasionally, less than 10 days per year, by automobile, commercial airline, rental vehicle, or public transportation and lodge in public facilities.
Must be legally authorized to work in the United States; the employer does not sponsor work visas.

Nice To Haves

Associate or bachelor’s degree in a finance-related area of study.
One year of banking experience.
One year of sales and customer service experience.
Previous lending-related experience and/or education.

Responsibilities

Perform credit and financial analysis duties and provide assigned support for the Commercial Loan Department.
Analyze financial statements and tax returns accurately and promptly, prepare concise written narratives, and meet management’s turnaround goals.
Work with loan teams to monitor files and ensure financial information is requested in accordance with policy guidelines.
Maintain and monitor loans with Borrowing Base Certificates, verify calculations, and recommend actions to loan officers.
Assist with technical exception reporting and correction, and prepare and maintain a technical exception log for critical and technical exceptions.
Keep current on loan programs, federal and state lending regulations, compliance requirements, and bank policies and procedures.
Participate in preparing and presenting commercial training sessions.
Assist the Department Manager with assigned tasks, including loan-review research, non-accrual and charge-off entries, and development or implementation of department procedures and practices.
Provide backup support for general duties and additional knowledge and support to the Commercial, Consumer, Loan Servicing, and Collection departments as needed.
Assist lending teams with outside calls, collateral inspections and valuations, and other assigned duties.
Follow company policies and applicable federal and state rules and regulations, including BSA/AML, OFAC, and GLBA/privacy requirements.
Keep management informed of area activities and significant problems.
Participate in community service and bank-sponsored activities that support the bank’s mission and values.
Provide courteous, respectful, and professional service to internal and external customers; maintain confidentiality, a tidy work area, and customer privacy; and attend required meetings.
Maintain regular and predictable attendance and perform additional duties as requested or assigned.
Complete assigned online training courses by their due dates and achieve a score of at least 85%.