Credit Analyst

Glacier Bancorp, Inc. • Grand Junction, CO

2d • $26 - $28

About The Position

Seeking an EXPERIENCED Credit Analyst to join our One Big Happy Little Bank. This position is primarily responsible for gathering and analyzing credit information on current and potential borrowers; provides data to determine the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests. Assists Lenders by ordering appraisals and evaluations and submits related invoices for payment.
The pay range for this position is $26.25 - $28.25 per hour. All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background.
Bank Happy. Work Happy. Right Here.

Requirements

• Combination of education and experience equivalent to a four-year college degree or completion of a specialized course of study at a business or trade school.
• One to two years of similar or related experience.
• Knowledge of bank loan services, policies, and procedures (preferred).
• Understanding of related legal and regulatory standards, and required loan documentation.
• General understanding of accounting concepts and terms, double-entry bookkeeping and balance sheet-income statement relationships.
• Working knowledge of Moody’s Analytic software or other financial spreading software is desirable.
• Excellent communication skills-written and verbal.
• Professional appearance and attitude.
• Strong analytical and financial skills.
• Ability to operate related computer applications, and other business equipment including calculators, typewriter, printer, and telephone.
• Ability to work with spreadsheet and word processing software.
• Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level
• While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.
• Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.
• The employee is constantly required to stand and walk. Exerting up to 25 pounds of force occasionally, and/or up to 10 pounds of force frequently, and/or a negligible amount of force constantly to move objects. If the use of arm and/or leg controls requires exertion of forces greater than that for sedentary work and the worker sits most of the time, the job is rated for light work.
• The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

Nice To Haves

• Knowledge of bank loan services, policies, and procedures (preferred).
• Working knowledge of Moody’s Analytic software or other financial spreading software is desirable.

Responsibilities

• Inputs customer financial information into computerized spreadsheets and generates reports that depict financial trends and ratios.
• Analyzes credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Prepares reports that include the degree of risk involved in extending credit or lending money.
• Analyze financial data such as income growth, trends, quality of financial management, and market share to help determine expected profitability of loans.
• Evaluates customer records based on earnings, savings data, payment history, and purchase activity. Confers with CPAs and borrowers, when cleared by Lender, to understand financial information submitted for loan requests.
• Generates financial ratios, including debt service coverage ratios, using computer programs, to evaluate customers' financial status.
• Works with Loan Officers to prepare loan requests for Loan Committee review, when requested
• Serves as liaison between lenders and appraisers. Orders appraisals and evaluations, forwards appraisals and evaluations to Lenders when complete and submits invoices for payment.
• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Adhere to Bank of the San Juans Company Core Values.
• Keeps management appropriately informed of area activities and of any significant problems.
• Participate in Community Service and Bank sponsored activities that serve and support the mission and values of the Bank of the San Juans.
• Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel).
• Complete required bank and BVS training courses within assigned time frame(s).
• Represent Bank of the San Juans in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attends and participates in meetings as required.
• Additional duties as requested or assigned.

Benefits

• We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays.

What This Job Offers

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