Credit Analyst II

Glacier Bancorp, Inc.•Bozeman, MT

About The Position

Credit Analyst II serves as the senior technical underwriting resource within the credit organization. The position handles complex commercial relationships, advanced credit analysis, portfolio risk management, and leadership within the analyst team. As a subject matter expert and mentor, the Credit Analyst II promotes consistency and credit quality across assigned lending teams. The role independently leads underwriting for large, complex, specialized, sensitive, or higher-risk new and renewed commercial credit relationships. It conducts advanced cash-flow analysis—including global cash-flow evaluation, stress testing, sensitivity analysis, and debt-capacity modeling—and brings borrower, guarantor, collateral, industry, market, concentration, policy, structure, and repayment considerations together in clear credit recommendations. The analyst partners with Relationship Managers and credit leadership to evaluate transaction structure and risk mitigants, and serves as a primary credit partner to assigned lending teams. The position provides technical guidance, reviews junior analysts’ work as assigned, and mentors and develops analysts. It leads or supports management of complex and higher-risk credit relationships, including reviews, covenant monitoring, borrower-reporting follow-up, risk-rating assessments, and action plans. The role also supports examinations, audits, loan reviews, credit initiatives, system implementations, and process improvements. The employee is expected to provide professional internal and external customer service, follow bank policies and applicable laws and regulations, complete required training, maintain confidentiality, and attend work regularly and predictably. The work is routinely performed indoors in a climate-controlled shared work area with moderate noise. The role uses routine office equipment and requires regular computer work, with extended hours or off-site travel when required or requested by management.

Requirements

Bachelor’s degree in finance, accounting, economics, business, or a related field, or an equivalent combination of relevant education and experience.
Advanced proficiency in commercial credit underwriting, financial and cash-flow analysis, loan structure, policy application, risk ratings, collateral evaluation, and preparation of persuasive credit recommendations.
Ability to manage complex or sensitive assignments with sound judgment, limited direction, consistent accuracy, and timeliness.
Ability to explain complex credit issues, provide constructive review and coaching, and influence outcomes through expertise and credibility rather than formal authority.
Proficiency with lending-related technology and ability to help others adapt to evolving systems, workflows, controls, and reporting expectations.
Broad, progressively responsible commercial underwriting experience across varied industries, structures, collateral types, and risk profiles.
Must be able to routinely work indoors in a climate-controlled shared work area with moderate noise.
Must be able to operate routine office equipment, including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
Must be able to routinely work on a 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 and of climbing or descending stairs in an emergency.
Must be able to perform the described physical functions, including sitting; repetitive hand use; talking or hearing; occasional standing, walking, lifting, or reaching; and the specified exertion of up to 25 pounds occasionally and up to 10 pounds frequently.
Must have close visual acuity for preparing and analyzing data and figures, transcribing, viewing a computer terminal, extensive reading, and visual inspection involving small defects or parts.
Must be legally authorized to work in the United States; the employer does not sponsor work visas.

Nice To Haves

Advanced commercial-lending, credit, accounting, risk-management, or leadership training.
Experience supporting criticized credits, complex relationships, portfolio analysis, process improvement, or credit-related projects.

Responsibilities

Lead underwriting of large, complex, specialized, sensitive, or higher-risk new and renewed commercial credit relationships.
Perform advanced cash-flow analysis, including global cash-flow evaluation, stress testing, sensitivity analysis, and debt-capacity modeling.
Integrate borrower, guarantor, collateral, industry, market, concentration, policy, structure, and repayment considerations into clear, balanced, decision-ready credit recommendations.
Partner with Relationship Managers and credit leadership to evaluate and refine transaction structures, repayment expectations, collateral and guarantor support, covenants, reporting requirements, risk ratings, approval conditions, policy considerations, and other risk mitigants.
Identify material and emerging risks, challenge assumptions constructively, and recommend practical alternatives or action plans when proposed structures do not adequately address risk.
Serve as the primary credit partner for assigned Relationship Managers and lending teams or pods; guide challenging credit situations and help coordinate and prioritize underwriting and portfolio work.
Escalate material capacity, quality, deadline, or risk concerns to management.
Maintain advanced knowledge of commercial credit, underwriting standards, loan policy, procedures, loan products, and lending-related systems.
Provide technical guidance to analysts, lenders, and internal partners; interpret requirements, resolve complex questions, and promote consistent credit and workflow practices.
Review junior analysts’ work as assigned for accuracy, consistency, analytical support, and adherence to policy.
Mentor, train, and develop other analysts through feedback, coaching, and technical support.
Attend loan committee meetings as expected and contribute appropriately to credit discussions.
Lead or provide advanced support for the ongoing management of complex, criticized, higher-risk, or otherwise significant credit relationships.
Complete or oversee large relationship reviews, annual reviews, covenant monitoring, borrower-reporting follow-up, risk-rating assessments, action plans, and other portfolio-management activities.
Identify and communicate emerging borrower, industry, concentration, and portfolio risks, and recommend monitoring, mitigation, or corrective action.
Support regulatory examinations, internal audits, external loan reviews, credit-quality assessments, policy and procedure changes, system implementations, and other significant credit initiatives.
Participate in or lead workflow improvements, training initiatives, research, presentations, and departmental projects.
Complete or assist with other portfolio, system, reporting, or administrative responsibilities as needed based on workload, staffing, risk, development needs, or management priorities.
Use the Service Pledge in internal and external customer encounters and provide superior customer service with courtesy and respect.
Participate in required training, staff meetings, lobby displays, community service, and Bank-sponsored activities.
Complete required bank training courses within assigned time frames and comply with company policies, procedures, and applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control requirements.
Represent First Security Bank professionally, maintain confidentiality and a tidy work area, and protect customer privacy.
Maintain regular and predictable attendance and perform additional duties as requested or assigned.