SENIOR CREDIT ANALYST

Stockman Bank of Montana•Bozeman, MT

About The Position

This position will be responsible for analyzing, processing and servicing existing and future commercial, agriculture and some consumer loans. This professional will work within the community to expand business relationships with existing customers and develop new business referral sources through a strong community involvement. This position also assists the Commercial Lenders by spreading customer financial statements and analyzing them, identifying customer strengths/weaknesses. In addition they prepare financial forecasts with the assistance of bankers to assist in the assessment of the borrower’s capacity. Finally they are responsible for providing support to the banker to assist them in soliciting, developing and maintaining profitable account relationships to increase Stockman Bank’s market share in this business.

Requirements

4-year college level course of study in Business Administration and/or financial institution or related field experience or equivalent training and/or experience.
Excellent customer service skills.
Strong communication and organizational skills.
Must be able to work independently and to prioritize multiple tasks.
Strong Knowledge of analyzing credit request, collateral analysis, proper structuring and pricing of loans and collections.

Nice To Haves

Attention to Detail- ability to notice and correct errors, document and follow up on important details and provide a high-quality -end-product.
Knowledge of financial statement and cash flow analysis, & basic working knowledge of GAAP.
Familiarity with legal contracts and the Uniform Commercial Code as related to lending and collateral perfection.
Professionalism – maintaining a professional attitude, image, and work ethic.
Understanding of and ability to work with lending software with proper training.
Team Playing – willingly collaborating and cooperating with others, developing effective working relationships
Ability to remain focused and on task and efficiently work unsupervised meeting all deadlines.
Written and verbal communication skills – ability to concisely and clearly present critical details.

Responsibilities

Assist Lenders in analyzing existing and new customer credit requests.
Work with Lenders and Loan Processor to coordinate the request/receipt of business and personal financial statements.
Coordinate timely spreading of financial statements with Credit Analysis.
Analyze statements, identifying customer strengths/weaknesses and questions/concerns to be raised to the client.
Prepare financial forecasts/pro-forma statements in consultation with Lenders to assist in assessment of borrower capacity.
Prepare financial analysis documentation (i.e. Routine Administration Checklist, Loan Documentation Checklist, Spreads, etc.) in consultation with the Lenders/manager, as appropriate, for review and approval by Lenders.
Review file documentation for completeness and correctness, in accordance with Front End Guidance, Credit Policy, and Credit Process Procedures.
Manage annual credit review and file comments.
Working delinquent loan accounts by calling customers and follow-up with tickler list
Monitor existing credits for collateral review, interim statement review, loan covenant compliance, etc.
Promote the improvement of Stockman Bank through quality customer service, promotion of Product, professionalism in conduct and diligent work ethic.
Greet all customer pleasantly and make them feel welcome and comfortable.
Generate profitable new business for the Bank (borrowing and depositor relationships).
Expand business relationships with existing customers and develop new business referral sources within the community and in outlying areas.
Participate in joint customer calls and/or inspections with Lenders to identify additional sales opportunities for existing and potential customers.
Assist manager in the monitoring of overall credit quality through appropriate presentations at weekly/monthly meetings to identify loan delinquencies, reviews past due (60 days +), technical exception (30 days +), watch list and early warning credits.
Involvement in customer interview process when necessary.