Credit Analyst Senior Lead

Glacier Bancorp, Inc.•Fort Collins, CO

13h•Onsite

About The Position

The Credit Analyst Team Lead is responsible for underwriting complex commercial loan requests while providing day-to-day leadership and guidance to the commercial credit analyst team. Serving in a player‑coach capacity, this role balances direct underwriting responsibilities with helping teammates move work forward, resolve issues, and deliver timely, high-quality credit decisions. The Credit Analyst Team Lead is a true partner to other teams across the Bank, including Portfolio Management, Commercial Lending, Loan Assistants, and Loan Operations. Through close collaboration, the role helps improve efficiency, remove bottlenecks, and support well-coordinated credit outcomes that promote long-term success for both the customer and the Bank. This position is well-suited for an individual who is focused on enhancing and building leadership and management skills. The role provides hands-on exposure to team leadership responsibilities while supporting ongoing personal and professional growth.

Requirements

Undergraduate degree in business, finance, economics, or a related field.
Demonstrated ability to independently underwrite complex commercial credit requests.
Strong ability to read, analyze, and interpret individual and business tax returns; audited or reviewed financial statements; and internally prepared profit and loss statements, balance sheets, statements of cash flows, and cash flow analyses.
Demonstrated ability to evaluate the risk of commercial loan requests through thoughtful, well-supported financial analysis and sound professional judgment.
Thorough understanding of residential and commercial appraisals and their application in credit decisioning.
High level of technical proficiency, including strong working knowledge of underwriting systems and Microsoft Word and Excel.
Ability to apply logical and critical thinking to define problems, gather and analyze data, establish facts, interpret technical guidance, manage multiple variables, and draw well-reasoned conclusions.
Comfortable participating in meetings with lending officers and existing or prospective bank customers, as needed.
Excellent written and verbal communication skills, with the ability to communicate clearly, thoroughly, and professionally with internal and external stakeholders.
Strong organizational and time management skills, with the ability to prioritize and manage multiple projects simultaneously while maintaining accuracy, attention to detail, and quality within established timeframes.
Self-motivated, dependable, and detail-oriented professional who follows through on responsibilities and produces high-quality work without compromising integrity.
Collaborative and team-oriented mindset; demonstrates professionalism, builds positive working relationships, and represents the bank in a credible and positive manner.
Proven commitment to confidentiality, with the ability to handle sensitive information in strict compliance with bank policies, procedures, and regulatory requirements.

Nice To Haves

Minimum of five years commercial credit analysis experience
Prior experience mentoring, coaching, or providing functional leadership to other credit analysts
Experience with nCino

Responsibilities

Leads and manages a few credit analysts, providing day-to-day direction, work allocation, coaching, and performance feedback; serves as a technical resource for complex underwriting and policy questions.
Underwrites complex commercial credit requests including commercial real estate, construction, C&I, SBA, municipal/government, and non-profit loans.
Prepares financial analyses and credit presentations, including borrower and guarantor financials, tax returns, cash flow analysis, collateral support, credit reports, and industry data.
Produces comprehensive credit memoranda that clearly articulate transaction structure, risks and mitigants, strengths and weaknesses, and key areas of focus.
In conjunction with other team lead(s), oversees the commercial credit workflow, assigning requests based on complexity, analyst capacity and capabilities, ensuring timely, high-quality work.
Reviews loan packages prepared by others for accuracy, completeness, clarity, and adherence to Bank policy and underwriting standards.
Partners closely with Commercial Loan Officers, including participation in borrower meetings when appropriate, to support sound deal structuring and effective presentation to senior credit leadership and Loan Committee(s).
Trains and develops credit analysts, supports onboarding of new team members, and promotes consistent underwriting quality and judgment.
Identifies and recommends changes to improve underwriting processes, workflows, and cross-functional communication to enhance efficiency, consistency, and customer experience.
Ensures compliance with Bank policies and all applicable regulatory requirements, including BSA/AML, OFAC, and privacy regulations.
Fosters a collaborative, team-first culture, contributing where needed to meet department and Bank objectives.
Supports community involvement initiatives and performs other duties as assigned.

Benefits

Medical insurance
Dental insurance
Vision insurance
Life insurance
Coverage available to employees and their eligible dependents in accordance with our written plan documents
Health savings account option
Employee Assistance Program (EAP)
Health rewards program
Retirement savings plan, including 401(k)
Profit-Sharing plans
Short and long-term disability benefits
Education and training benefits
Discounts on banking products and services
Generous Paid Time Off (PTO) plan
Paid holidays
Pay for certain state recognized holidays (for employees in Utah and Nevada)