Credit Analyst

Glacier Bank • Helena, MT

59d

About The Position

The Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; assists in determining the advisability of granting credit using a diverse suite of loan types; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

Requirements

• College degree or equivalent training or experience Business/Accounting prefeffred.
• Advanced experience working with spread sheets, and reports.
• Banking experience preferred.
• Knowledge and familiarity with bank's savings and checking.
• Has a complete working knowledge of the Valley Bank loan policy.
• Knowledge of Valley Bank products/services.
• Ability to work under pressure.
• Knowledge of loan processes.
• Work quickly and accurately.
• Excellent verbal communication skills.
• Knowledge of banking regulations.
• Ability to establish and maintain effective working relationships with employees, other departments, and the public.

Nice To Haves

• Business/Accounting prefeffred.
• Banking experience preferred.

Responsibilities

• Reviews credit request and assists lender as to the approval or denial of loan.
• Assist the lenders with determining the appropriate loan product to fit the customer's needs.
• Periodically updates and reviews outstanding loan financial information as determined by conditions of the initial credit authorization and as appropriate.
• Updates financial tracking systems and collateral tracking systems, identifying outdated and missing items, and assisting lenders in requesting them from borrowers.
• Remains current on loan programs and lending regulations as well as compliance and bank policies and procedures.
• Must comply with applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Participates in the preparation of bank reports specific to the Credit Department.
• Regular and predictable attendance is an essential function of the job.
• Take part in community development through volunteer opportunities and/or board participation with non-profits and other community organizations.
• Participate in community service and bank-sponsored activities that serve and support the mission and values of Valley Bank.

Benefits

• medical, dental, vision, and life insurance
• 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 and paid holidays

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Number of Employees: 251-500 employees