Credit Analyst

Glacier Bancorp, Inc.•Casper, WY

26d

About The Position

The Credit Analyst primarily supports loan departments by performing duties related to credit and asset-based lending. The role conducts preliminary credit analysis by reviewing tax returns, financial statements, and other documentation, follows up on requests, and assists other departments as needed. Responsibilities include analyzing financial statements and tax returns and preparing written narratives; monitoring loan files to ensure financial information is requested annually; maintaining loans with borrowing base certificates and recommending action to loan officers; and supporting technical exception reporting, documentation, and corrections. The position stays current on lending programs, regulations, compliance requirements, and bank policies, and may help prepare and present training sessions. The Credit Analyst also assists with loan reviews, non-accrual and charge-off entries, department procedures, and general department coverage. Additional duties include supporting lending teams with calls and collateral inspections or valuations; obtaining credit reports and lien and flood searches; assisting with secondary-market loan administration; following up on vehicle titles, insurance, deeds of trust, and title policies; preparing customer correspondence; and maintaining credit review and loan files. The role prepares monthly and quarterly reports for GBCI and the Board of Directors, sets up loan files, processes required loan documentation, prepares and reviews closing documents, follows up on post-closing items, and keeps loan officers informed about loan status. Other duties may be assigned. Work is routinely performed indoors in a climate-controlled shared work area with moderate noise. Occasional travel of fewer than 10 days per year may be required. The position may require extended hours or off-site travel when requested by management. Physical requirements include frequent sitting and repetitive hand use, occasional standing, walking, lifting or reaching, and potentially climbing, balancing, stooping, kneeling, crouching, crawling, pushing, and pulling. Medium lifting demands apply: up to 50 pounds occasionally, 25 pounds frequently, or 10 pounds constantly. The employee must be able to use routine office equipment and work at a computer for an average of 6–8 hours per day when necessary.

Requirements

College degree in Agriculture or Finance.
Ability to work in a professional and confidential manner.
Excellent organizational and time-management skills.
Strong investigative and analytical skills, with attention to detail.
Basic computer skills and working knowledge of word processing, spreadsheets, ten-key, and general computer applications.
Ability to apply common-sense understanding to carry out instructions provided in written, oral, or diagram form.
Professional verbal and written communication skills.
Ability to positively promote the organization to customers and co-workers.
Ability to travel occasionally (fewer than 10 days per year) by automobile, commercial airline, rental vehicle, or public transportation and lodge in public facilities.
Ability to work extended hours or travel off site when required or requested by management.
Ability to maintain regular, reliable, and timely attendance.
Ability to operate routine office equipment, including computer terminals and keyboards, telephones, copiers, facsimile machines, and calculators.
Ability to work at a computer for an average of 6–8 hours per day when necessary.
Ability to meet the stated physical demands, including medium lifting requirements and climbing or descending stairs in an emergency.

Responsibilities

Perform credit and financial analysis as assigned by the loan department.
Analyze financial statements and tax returns accurately and promptly, and prepare written narratives.
Work with loan teams to monitor files and follow up to ensure financial information is requested annually.
Maintain and monitor loans with borrowing base certificates, ensure calculations are accurate, and recommend action to loan officers.
Assist with technical exception reporting and correction processes, and prepare and maintain a log of critical and technical exceptions.
Stay current on loan programs, federal and state lending regulations, compliance requirements, and bank policies and procedures; participate in preparing and presenting training sessions.
Assist the Department Manager with loan-review research, non-accrual and charge-off entries, department procedures and practices, and backup general duties.
Provide knowledge and support to loan departments as needed.
Assist lending teams with outside calls and collateral inspections or valuations.
Assist loan officers by obtaining credit reports, UCC lien searches, vehicle lien searches, and flood searches.
Support secondary-market loan activities, including balancing purchase advice and the REM Fees Account, paying bills, ordering appraisals and title commitments, arranging UPS shipping, and preparing monthly reports.
Follow up on vehicle titles, insurance monitoring and AM Best ratings, deeds of trust, and title policies.
Prepare correspondence to loan customers requesting financial information, credit authorizations, inspections, and floor plans as directed by loan officers.
Conduct credit reviews and maintain file documents.
Prepare monthly and quarterly reports for GBCI and the Board of Directors.
Set up loan files within two days of receiving an application from an underwriter.
Process applicable loans with required documents in order and prepare them for closing within the allotted timeframe.
Prepare and review closing documents, ensuring they are complete and accurate and ready for the title company the day before closing.
Follow up on post-closing items, including insurance and liens.
Keep loan officers informed about loan status.
Perform other duties as assigned.