Credit Analyst II

Glacier Bancorp, Inc.•Reno, NV

3h•Onsite

About The Position

Analyzes credit data to estimate the degree of risk involved in extending credit or lending money to firms or individuals. Examines, evaluates and assists in the preparation of loan Credit Authorizations for approval. Provides lending support to Loan Officers and may also assist in the loan support process as needed to ensure timeliness of loan document preparation. This position requires good customer service skills, a positive attitude, a high level of accuracy, and the ability to work in a team atmosphere. This individual must be a self-motivator and focused, have a technical capacity, be thorough, communicate proficiently, and hold confidentiality in the highest regard. This is an in-person position in order to complete the assigned tasks and provide accurate and efficient customer service. This is not a remote or hybrid position. Essential Duties and Responsibilities include the following: Assist Account Officers in obtaining complete loan application packages and creating new loan records in the nCino LOS platform Enter nCino Relationships for Borrower(s), Guarantor(s), and entity information with accuracy, consistency, and completeness Upload and enter financial statements, tax returns, and interim financials into nCino Input spreads of financial statements, tax returns, and other supporting information, on new and renewing loans using the nCino LOS platform Perform comprehensive credit analysis of consumer and/or commercial borrowers, including financial statements, tax returns, cash‑flow analysis, global debt service coverage, and collateral evaluation Analyze borrower creditworthiness, industry risk, repayment capacity, and guarantor strength in accordance with credit policy and industry standards Identify potential questions & risks to Account Officer’s to assist with loan qualification Verify accuracy of key ratios and data feeds used in credit analysis Work with Account Officer’s to obtain and review third party reports such as title commitments, UCC filings, environmental reports, appraisals, flood insurance; must review for accuracy Under the Account Officer’s or Credit Administrator’s guidance, assist in the preparation of loan Credit Authorizations and or Adverse Action process Obtain credit reports, as needed, on the business (s) and personal guarantors Assist in Annual Term Loan Reviews (ATLR’s) including updating financial spreads, cash flow modules, risk ratings, rate shock tests, financial reporting placeholders, collateral inspections, etc. Assist Account Officers in contacting bank customers for requesting financial statements and tax returns and any other financial documentation to complete a loan package and/or annual financial reporting covenant requirements Ensures the adherence to company policies, procedures and regulatory compliance Additional Duties and Responsibilites may include the following: Assist with appraisal ordering process Assist with initial underwriting and loan documentation Assist with portfolio management related to periodic loan reviews Support testing, enhancements, or rollouts of new nCino features or credit workflows Assist with gathering information for Monthly and Quarterly Loan Reports, as needed Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of Heritage Bank of Nevada Other duties as assigned SUPERVISORY RESPONSIBILITES: None, but under the Credit Administrator’s guidance this position may assist in providing training to a new Credit Analyst 1. COMPLIANCE WITH THE BANK SECRECY ACT AND ANTI-MONEY LAUNDERING PROGRAM: The Bank Secrecy Act intends to safeguard the U.S. Financial system and the financial institutions that make up that system from the abuses of financial crime, including money laundering, terrorist financing, and other illicit financial transactions. The Board of Directors is committed to complying with both the spirit of the regulations and the letter of the law. All employees are expected to understand and comply with all aspects of the BSA and to perform their job duties in accordance with Bank BSA policies and procedures. Employees who willfully violate the BSA may be subject to both civil and criminal penalties and termination of employment.

Requirements

Ability to read and understand individual and business tax returns, audited or reviewed financial statements, and company prepared profit and loss statements, balance sheets, and statement of cash flows
Willing and comfortable to join commercial loan officers in meetings with existing or prospective bank customers, when necessary
Intermediate capabilities using Microsoft Word, Excel, and other basic office equipment
Ability to analyze technical financial spreads and translate them into clear, well-reasoned credit narratives that explain their meaning, trends, and impact on primary and secondary repayment sources
Communicate effectively both verbally and in writing with others in a clear, thorough and timely manner
Exhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the bank in a positive manner and maintain credibility with others
Maintain strict confidentiality regarding any information obtained during the course of performing job duties; adhere to Bank policies and procedures regarding confidentiality
Ability to organize, analyze and interpret data to explain complex irregularities or trends
Ability to perceive and exchange information accurately in person and through electronic communication methods, including telephone and video conferencing. Ability to detect and respond to auditory signals and spoken communication in a typical office environment.
Ability to apply intermediate to advanced mathematical concepts to analyze financial data/ statements in support of commercial and consumer lending decisions. This must include the ability to support sound credit decisions.
Ability to apply strong analytical and critical thinking skills to evaluate complex financial information; interpret credit reports, financial statements, and loan documentation; identify risk factors; and make sound, data-driven recommendations. Ability to exercise judgment, prioritize competing tasks, and solve problems in a dynamic lending environment.

Nice To Haves

nCino experience preferred but not required

Responsibilities

Assist Account Officers in obtaining complete loan application packages and creating new loan records in the nCino LOS platform
Enter nCino Relationships for Borrower(s), Guarantor(s), and entity information with accuracy, consistency, and completeness
Upload and enter financial statements, tax returns, and interim financials into nCino
Input spreads of financial statements, tax returns, and other supporting information, on new and renewing loans using the nCino LOS platform
Perform comprehensive credit analysis of consumer and/or commercial borrowers, including financial statements, tax returns, cash‑flow analysis, global debt service coverage, and collateral evaluation
Analyze borrower creditworthiness, industry risk, repayment capacity, and guarantor strength in accordance with credit policy and industry standards
Identify potential questions & risks to Account Officer’s to assist with loan qualification
Verify accuracy of key ratios and data feeds used in credit analysis
Work with Account Officer’s to obtain and review third party reports such as title commitments, UCC filings, environmental reports, appraisals, flood insurance; must review for accuracy
Under the Account Officer’s or Credit Administrator’s guidance, assist in the preparation of loan Credit Authorizations and or Adverse Action process
Obtain credit reports, as needed, on the business (s) and personal guarantors
Assist in Annual Term Loan Reviews (ATLR’s) including updating financial spreads, cash flow modules, risk ratings, rate shock tests, financial reporting placeholders, collateral inspections, etc.
Assist Account Officers in contacting bank customers for requesting financial statements and tax returns and any other financial documentation to complete a loan package and/or annual financial reporting covenant requirements
Ensures the adherence to company policies, procedures and regulatory compliance
Assist with appraisal ordering process
Assist with initial underwriting and loan documentation
Assist with portfolio management related to periodic loan reviews
Support testing, enhancements, or rollouts of new nCino features or credit workflows
Assist with gathering information for Monthly and Quarterly Loan Reports, as needed
Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of Heritage Bank of Nevada
Other duties as assigned