Credit Analyst

Glacier Bancorp, Inc.•Casper, WY

About The Position

Position primarily provides support to loan departments by performing duties related to credit and asset-based lending. Conducts preliminary credit analysis by reviewing tax returns, financial statements, and other documentation; conducts follow-up; and assists other departments as needed and/or assigned.

Requirements

College degree in Ag or Finance required
Must have the ability to work in a professional and confidential manner
Excellent organizational and time management skills
Possess a high degree of investigative, analytical skills – be detail orientated
Basic computer skills with working knowledge or word processing, spreadsheets, ten-key, and general computer applications
Ability to apply common sense understanding to carry out instructions furnished in written, oral or diagram form
Professional verbal and written communication skills
Ability to positively promote our organization to customers and co-workers
Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.
Must be capable of occasional travel (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.
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.
The employee may also be required to: The employee may also be required to: climb, balance, stoop, kneel, crouch, crawl, push, and pull.
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.
Specific lifting abilities required by this job include: Medium work. Exerting up to 50 pounds of force occasionally, and/or up to 25 pounds of force frequently, and/or up to 10 pounds of force constantly to move objects.
Specific vision abilities required by this job include: 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.

Responsibilities

Perform credit/financial analysis as assigned by the loan department
Accurately and promptly perform analysis of financial statements and tax return with written narratives
Work with loan teams to monitor and follow up on files to assure financial information is being requested annually
Maintain and monitor all loans with borrowing base certificates. Ensure accurate calculations with recommendations to loan officers for action
Assist the loan department in managing the technical exception reporting and correction process. Prepare and maintain a technical exception log for critical and technical exceptions
Stay current on loan programs and lending (federal and state) regulations as well as all compliance and bank policies and procedures. Participate in the preparation and presentation of training sessions
Assist Department Manager with various assigned tasks such as research requests for loan reviews, non-accrual/charge off entries, recommendation and implementation of new department procedures/practices, and acting as a backup for various general duties
Provide various additional knowledge and support to all loan departments as needed
Assist lending teams with outside calls, collateral inspections/valuations
Assist loan officers by pulling credit reports, UCC lien search, Vehicle Lien Search & floods
Secondary Market loans—balance purchase advice, balance REM Fees Account, pay bills, order appraisals, title commitments, UPS Shipping and monthly report
Follow up on vehicle titles
Insurance monitoring and AM Best Ratings
Follow up on deeds of trusts and title policies
Prepare correspondence to loan customers requesting financial information, Credit Authorizations, Inspections, Floor Plans as directed by loan officers
Credit Review and file documents
Monthly and quarterly reports for GBCI and Board of Directors
Accurately set up all loan files within two days of receiving application from underwriter
Process all applicable loans with necessary documents in order in a timely manner and prepare so they are ready to close within the timeframe allotted by everyone involved
Prepare and review closing documents and assure they are complete, accurate and ready for the title company the day prior to the loan closing
Follow-up on all items for closed loans such as insurance, liens, etc.
Keep loan officers informed of the status of loans
Other duties as assigned