Credit Analyst II

First Interstate•Boise, ID

8d•Onsite

About The Position

The Credit Analyst II evaluates and underwrites commercial credits, including Commercial Real Estate (CRE), Commercial and Industrial (C&I), Hospitality, Municipalities, and other commercial credit types. The role gathers, analyzes, and interprets personal and business financial statements, projections, and internal and external reports to assess creditworthiness, repayment capacity, and compliance with bank policies and federal regulations. It partners closely with Commercial Relationship Managers to support new and existing loan relationships, with an emphasis on credit quality, risk mitigation, and portfolio performance. The position may be located at the Boise, Idaho W. Myrtle St. branch or the Coeur d'Alene, Idaho Riverstone Dr. branch. Typical work hours are Monday through Friday, 8 a.m. to 5 p.m. Overtime may be required based on business needs.

Requirements

High school diploma or GED required.
Four to six years of banking experience, or an equivalent combination of education and experience, required.
Strong organization and time-management skills.
Excellent written and verbal communication skills.
Ability to develop and maintain internal and external relationships with Relationship Managers, Credit Officers, and Risk Management Personnel.
Ability to work in a fast-paced environment, set priorities, meet strict deadlines, and adapt quickly to changing priorities.
Self-motivation and ability to assist with credit risk decisions.
Strong analytical and problem-solving skills and attention to detail.
Ability to work collaboratively toward individual objectives and team results while adapting to changing volumes, requirements, and areas of focus.
Proficiency with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint.
Ability to acclimate quickly to other programs.
Experience with financial spread software.
Ability to meet the physical demands of the role, including frequent keyboard and mouse use and sitting, and occasional lifting of up to 10 pounds; reasonable accommodations may be provided.
Regular and predictable attendance is required.

Nice To Haves

Bachelor's degree in Business, Finance, or a related field preferred.
Commercial banking experience preferred.

Responsibilities

Read, review, and understand financial documents, including tax returns, balance sheets, profit and loss statements, agings, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, rent rolls, lease agreements, and appraisals.
Prepare financial spreads for commercial and real estate businesses, municipalities, non-profits, and individuals acting as direct-obligation borrowers or guarantors.
Assess the creditworthiness of commercial applicants and guarantors by reviewing loan applications, spreading historical and projected financial statements, calculating cash flows and leverage and liquidity ratios, evaluating collateral, researching borrowers and key industries, and identifying risks.
Analyze findings and prepare comprehensive reports using data analysis and written narrative.
Evaluate credit quality and recommend an appropriate risk rating based on the most recent financial information.
Independently underwrite streamlined to complex commercial requests with limited guidance from the immediate manager.
Ensure compliance with applicable regulations and stay current with changes to federal regulations and FIB credit policy requirements.
Assist Relationship Managers with reports for quarterly monitoring of classified and criticized commercial relationships.
Complete financial performance metric covenant testing using prepared financial spreads.
Participate in a monthly quality control program reviewing general forms, spreads, and analyses and providing feedback and mentoring.