Credit Analyst I

Glacier Bancorp, Inc.•Kalispell, MT

About The Position

The Credit Analyst is responsible for providing Credit/Financial Analysis duties as assigned. Employee will have extensive contact with customers, vendors, the general public, and bank staff and will interact in a professional and courteous manner, and conduct him/herself in such relationships in a manner that will enhance the overall efficiency and image of the bank.

Requirements

Customer service and sales experience.
Must have a moderate level of knowledge on loan documentation.
High degree of attention to detail as well as excellent organizational skill(s) to perform in a fast-paced environment.
Must have ability to prioritize and organize heavy workload(s) and demonstrate effective time management skill(s).
Must have the ability to work in a professional manner and consistently demonstrate courtesy, customer service, and tact in a fast-paced/deadlines-oriented environment.
Ability to work quickly and accurately: perform effectively under pressure; meeting multiple and sometimes competing deadlines and make decisions based on regulation(s), company policy(s), knowledge and experience.
Ability to work both independently and in a team environment.
Ability to understand and follow complex written and oral instructions.
Ability to communicate effectively verbally and in writing.
Basic computer skill with working knowledge of word processing, spreadsheets, ten-key, and general computer applications.
Working knowledge of standard office equipment.
High school diploma or equivalent.

Nice To Haves

A moderate level of banking knowledge desired.

Responsibilities

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. Turn around goal is 24 hours.
Work with loan teams to monitor and follow-up on files to be sure financial information is being requested annually.
Help maintain and monitor all loans with Borrowing Base Certificates. Ensuring 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, 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.
Service Quality – embrace service pledge and provide extraordinary and consistent service to all internal and external customers. Listens to and asks about customer’s needs.
Participates in required training, staff meetings, and lobby displays.
Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of Glacier Bank.
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).
Complete required bank training courses within assigned time frame(s).
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.
Represent Glacier Bank in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, flexibility and adaptability in meeting bank and customer needs.
Keep work area tidy and maintain customer privacy.
Consistently maintains regular and reliable attendance.
Additional duties as requested or assigned.