Credit Analyst III

Glacier Bancorp, Inc. • Layton, UT

22h • Onsite

About The Position

The Credit Analyst III is part of the Layton Hills Branch Credit Team and reviews documentation for commercial loan applications. The role performs thorough analysis of financial and credit information to assess whether loan requests are viable under established policies, procedures, and applicable regulatory guidance. Analysis includes balance sheets, personal financial statements, tax returns, income statements, cash flow statements, collateral documentation, and other relevant materials. The analyst uses trend, ratio, leverage, projection, and stress-testing techniques to evaluate repayment sources and takes the lead on analyzing large and/or complex credits.

The position supports Loan Officers with credit presentations and annual reviews, while maintaining knowledge of loan policies and regulatory guidance. It also involves customer service, compliance and security training, confidentiality, and regular communication with management. The role is full-time, Monday through Friday, 8:00 a.m. to 5:00 p.m., primarily in an office setting with occasional local travel.

Requirements

• Five years of related experience, including preparatory experience.
• Bachelor's degree from an accredited institution in business, accounting, finance, or economics, or a related certification.
• Strong interpersonal and professional communication skills, including the ability to obtain cooperation and agreement through complex, senior-level dialogue.
• Ability to perform independently or with limited supervision and work effectively alone or as part of a team.
• Sound decision-making and relationship-building skills and ability to work with diverse clients, employees, and management.
• Ability to deal calmly and professionally with different personalities and cultures, provide high levels of customer service and discretion, and handle confidential matters.
• Ability to maintain an organized and efficient workflow and manage multiple, simultaneous, changing priorities under deadlines and requirements for accuracy and quality.
• Ability to operate routine office equipment, including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
• Ability to work extended hours or travel off site when required or requested by management.
• Ability to meet the role's physical demands, including occasional lifting of up to 10 pounds and climbing or descending stairs in an emergency.
• Must be legally authorized to work in the United States; the employer does not sponsor work visas.
• Credit and background screening is part of the pre-hire process.

Responsibilities

• Analyze credit, financial, and cash flow information to assess repayment viability for commercial loan requests.
• Evaluate borrower and guarantor character and creditworthiness using personal and business credit reports, legal forums, publications, and internet sources.
• Assess borrower and guarantor repayment ability, including global repayment capacity, through analysis of tax returns and financial statements using trend, cash flow, ratio, leverage, projection, and stress-testing methods.
• Review collateral documentation and valuation materials, including appraisals, environmental studies, title reports, UCC searches, leases, and industry and market data.
• Review legal documents, including wills, trusts, corporate articles and bylaws, and partnership agreements, as needed for loan underwriting.
• Organize information to assist Loan Officers in preparing credit presentations for Commercial Credit Administration and/or the Commercial Loan Committee, covering borrower background and structure, repayment sources, financial and collateral analysis, repayment risks and mitigants, loan structure and pricing recommendations, risk grade, and covenant and annual review requirements.
• Maintain thorough knowledge of Loan Policy, related procedures, and applicable regulatory guidance.
• Assist Loan Officers with annual reviews of existing loans.
• Maintain regular and predictable attendance and represent the bank professionally, maintaining confidentiality and a tidy work area.
• Complete required compliance and security training and comply with applicable laws and regulations, including the Bank Secrecy Act, Patriot Act, and Office of Foreign Assets Control requirements.
• Support FCBU values and purpose, keep management informed of activities and significant problems, and provide courteous, professional service to internal and external customers.
• Answer customer calls professionally and promptly, understand bank products and services, and help resolve customer issues.
• Attend and participate in one-on-one meetings, meetings, and training as required, and support and track Key Performance Indicators.
• Perform additional duties as requested or assigned.

Benefits

• Medical, dental, vision, and life insurance for employees and eligible dependents, subject to plan documents.
• Health savings account option.
• Employee Assistance Program (EAP).
• Health rewards program.
• Retirement savings plan, including 401(k) and profit-sharing plans.
• Short- and long-term disability benefits.
• Education and training benefits.
• Discounts on banking products and services.
• Paid Time Off (PTO) plan.
• Paid holidays.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior