Credit Analyst I-III
About The Position
The Credit Analyst assists Relationship Managers (RMs) in analyzing and evaluating credit for existing and prospective loan customers, providing analytical support under the supervision of more senior team members. With direction as needed, the role prepares written credit authorizations, spreads business financial statements, prepares personal cash flow worksheets, and reviews financial projections and automated spreadsheets used to analyze commercial borrowers and prospects. The position supports credit risk assessment and administration, including reviewing financial reports, monitoring and documentation, and preparing financial analyses, models, and presentations. It also performs assigned compliance and risk management duties and supports other department projects and responsibilities. The stated compensation ranges vary by level: Credit Analyst I, $51,636–$77,454; Credit Analyst II, $59,209–$88,814; and Credit Analyst III, $67,815–$101,781. Actual compensation may vary based on factors including location, experience, and performance. The position is eligible to participate in an applicable annual bonus plan. The listed ranges are for the position located in Coeur d’Alene, Idaho.
Requirements
- Three or more years of credit analysis and underwriting experience preferred.
- College-level coursework, preferably in Accounting, Finance, Business, or a related field.
- Strong accounting aptitude.
- Demonstrated analytical and problem-solving ability.
- Experience with computer-assisted financial analysis and PC-based financial models; knowledge of spreadsheet applications such as Microsoft Excel.
- Strong knowledge of Bank loan policies and general commercial documentation requirements.
- Ability to prioritize assignments and manage multiple priorities while maintaining a high level of service to internal and external clients.
- Excellent interpersonal skills and ability to collaborate and work effectively with diverse groups of people.
- Outstanding verbal and written communication skills, including grammar and correspondence abilities.
- Organizational and analytical skills, strategic thinking, and ability to work collaboratively or independently.
- Proficient PC and technical skills, including the Microsoft Office Suite, word processing, spreadsheets, databases, desktop information management, the Internet, and related applications.
- Demonstrated self-motivation and initiative, with ability to work well independently and with others.
Nice To Haves
- Three or more years of credit analysis and underwriting experience.
- College-level coursework in Accounting, Finance, Business, or a related field.
Responsibilities
- Assist Relationship Managers with credit analysis, risk-rating assessments, problem-loan reporting, and other credit administration requirements.
- Review and evaluate business financial reports and prepare written credit authorizations pursuant to Bank policy.
- Ensure appropriate monitoring and documentation are reviewed.
- Prepare financial projections and customized automated spreadsheets to analyze commercial borrowers and prospects.
- Develop financial models based on customized financial formats.
- Prepare financial statement presentations for analyzing business borrowers.
- Perform assigned compliance and risk management duties.
- Maintain regular, reliable attendance.
- Assist with other department duties and projects as requested by the team lead.
Benefits
- Health, Financial, Retirement, and Work/Life benefits.
- Eligibility to participate in an applicable annual bonus plan.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
No Education Listed
