Credit Analyst

Glacier Bancorp, Inc.•Missoula, MT

20h

About The Position

A Credit Analyst (CA) is primarily responsible for comprehensively analyzing financial data and preparing thorough and accurate analysis that may be used in credit authorizations, portfolio management activities, and new business opportunities. In this role, the CA will be expected to have a thorough knowledge of credit underwriting practices for multiple lending categories including Commercial & Industrial (C&I), Commercial Real Estate, and Nonprofit lending. Must demonstrate a strong knowledge of financial statements of varying quality and be able to succinctly analyze these statements by completing both qualitative and quantitative analysis. A strong understanding of both P&L and Balance Sheet ratios is a necessity to produce the detailed analysis that is expected in this position. Responsibilities will be closely tied to the activities of Commercial Lending, and they will have routine interaction and communication with members of the Commercial Lending Team. It is important that the CA works collaboratively with the lending officers to complete the requested underwriting in a timely, accurate, and satisfactory manner for all stakeholders.

Requirements

A bachelor’s degree in business, accounting, finance, or related field is required.
Minimum one year of similar or related experience. Placement to Credit Analyst II depends on experience.
Must possess current, valid driver’s license.
Knowledge of banking compliance regulations and guidelines related to area of responsibility. Working knowledge of standard office equipment. Skills in areas related to computer operation/use including working knowledge of Microsoft applications and ability to learn new systems/applications.
Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques. Demonstrate soft phone skills by treating all internal and external customers in a polite and courteous manner.
Customer Service: We are community inspired and pride ourselves on offering exceptional service to both our internal and external customers. We expect you, as an employee, to support our values and visions of Integrity, Service and Success.
Teamwork: Demonstrate ability to work independently and as part of a team. Work cooperatively and effectively with others to set and achieve goals, help others, resolve problems, and make decisions that enhance organizational effectiveness.
Professionalism: 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; maintain credibility with others.
Ethical Behavior: Model high standard of honesty, integrity, trust, and openness. Understand and follow through with appropriate standards of conduct and moral judgment; willing to act outside the norm when needed to adhere to ethical principles. Communicate and demonstrate actions in a consistent manner. Respect others, regardless of individual capabilities, agendas, opinions or needs.
Confidentiality: Maintain strict confidentiality regarding any information obtained during performing job duties; adhere to Bank policies and procedures regarding confidentiality.
Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives; improve and promote work quality; demonstrate accuracy, thoroughness, and attention to detail; strive to achieve good results.
Adaptability: Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude.
Planning and Organization: Prioritize, organize, and plan work; use time efficiently; and achieve results within time frames. Complete work in a timely, accurate manner and be conscientious about assignments and deadlines.
Judgment/Problem Solving: Display ability and willingness to make sound decisions; identify and resolve problems in a timely and positive manner; exhibit sound judgment; appropriately handles both routine and non-routine situations.
Individual Responsibility and Accountability: Accept responsibility for own work performance; accept responsibility for own actions and outcomes and does not blame others. Demonstrate willingness to take initiative in performing job duties, resolving issues, and making suggestions for improvement. Conduct follow-through and meets commitments and agreements in a timely manner; relied upon by others as a source of valid information.
Mathematical Skills: Ability to apply accounting, scheduling, and budgeting, measurement, and calculation math skills associated with lending activities for purposes of data analysis. Comfortable working with a variety of lending formulas and industry specific equations and formulas with accuracy.
Analytical Thinking: Develop feasible solutions based on logical and reasonable assumptions and factual observation that reflect consideration for resources, constraints, and Bank values and goals. Understand cause and effect relationships, recognize similarities and differences in situations, and apply knowledge to help make effective decisions or to come up with new ways to accomplish a task. Define a result, set, or follow a course of action to achieve it, anticipate potential obstacles, and monitor progress to achieve desired result.
Negotiation: Negotiate with, convince, or influence others to take a course of action to achieve a specific result, requiring a significant level of trust. Use appropriate interpersonal styles and professional level written and verbal communication skills to gain acceptance of an idea, plan, activity, or product. Bring conflicts and disagreements into the open, when appropriate, and attempt resolution collaboratively through building consensus.
Networking: Build networks of useful relationships necessary to achieve positive results. Know how organizations work; cognizant of different toles and positions of power and utilize this information to influence outcomes.

Responsibilities

Complete comprehensive financial analysis for both current and prospective clients by completing financial spreads or other financial methodologies accepted by the bank.
Independently analyze financial statements and tax returns and develop and convey questions/comments pertaining to financial trends and relevant borrower/industry data.
Maintain extensive knowledge of lending policies, procedures, and practices of the bank.
Perform annual term loan reviews when requested. Assist in keeping the annual term loan review tracking up to date. Monitor compliance with loan agreement covenants associated with all loans with each review.
Provide support in the preparation of Problem Loan Reports as requested.
Conduct credit investigations when necessary. Work with Commercial Loan Officer in monitoring customer accounts and loan portfolios to detect changes that might affect their credit standing.
Work collaboratively with Commercial Loan Officers to manage customer relationships and loan portfolios. May be asked to accompany Commercial Loan Officers on sales calls/customer calls.
Recommend to Commercial Loan Officer approval and/or changes in new or existing credit lines.
Produce high-quality financial analysis in a generally acceptable amount of time. Acceptable time is to be determined based on nature of request and will be monitored by Underwriting Manager (UM) or other similar.
Ensure accuracy in each underwriting product with an error rate satisfactory to UM or similar.
Lead or heavily contribute to the successful completion/implementation of a project either self-identified (and approved by manager) or directed by direct manager on a yearly basis.
Complete 1-2 self-identified (and approved by manager) or directed professional development opportunities per year.
Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Maintain strict confidentiality of customer’s personal and financial information.
Develop and improve skills through training programs and regular feedback discussions with supervisors which help further professional development. Participate in all training sessions and complete all assigned OnCourse training courses and achieve a passing score by due date.
Adhere to First Security Bank’s core values; represent the bank in a professional manner which includes a professional image, confidentiality, positive ‘can-do’ attitude, good attendance, punctuality, flexibility, and adaptability in meeting internal and external customer needs.
Display excellent customer service with both internal and external clients. Embody First Security Bank’s “Welcome” tenets: Warm – Demonstrate warmth; be genuine and approachable Engage – Engage with teammates and customers; be present in every interaction Listen – Actively listen to employees and clients Connect – Build relationships, connect with the community and teams Opportunity – Seek out opportunities to serve others Modify – Modify your approach to meet employees and clients where they are; style-flex and adapt as appropriate Experience – Create a true experience for the client by providing exceptional customer service on their financial journey
Must be capable of regular, reliable, and timely attendance to accomplish essential job functions including in-person contact with internal and external customers.
Support Community Reinvestment Act (CRA) through business development efforts.
Position performs other duties as needed/assigned.