Senior Credit Risk Officer

About The Role

Altabank, Division of Glacier Bank, is hiring a Senior Credit Risk Officer for our American Fork branch, servicing locations throughout our footprint.

Responsible for making credit decisions on a variety of credit products and generally overseeing credit administration for a specific area of the bank. Assuring portfolio management, credit administration quality control, and credit quality metrics for respective bank regions are satisfactory.

• Making loan decisions or recommendations for new loan opportunities, renewals, and/or modifications.
• Managing credit quality (delinquency, charge‑offs, non‑accruals, problem loans) for specified regions of the bank.
• Overseeing and maintaining proper loan grading for specified regions of the bank.
• Acting as a credit resource to loan officers structuring and underwriting loan opportunities.
• Calling on existing and proposed clients with the loan officer to be a credit resource where needed.
• Proactively managing risk/exposure and compliance within the bank's portfolio.
• Assisting in participation with bank credit committees as assigned.
• Assisting and mentoring loan officers and credit analysts in reviewing complete, articulate loan credit presentations with risks identified and mitigated.
• Assisting in recommending and improving credit processes in the bank.
• Complying with applicable laws and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Completing required bank training courses within assigned time frames.
• Adhering to Altabank Core Values.
• Keeping management appropriately informed of area activities and any significant problems.
• Participating in community service and bank‑sponsored activities that support the mission and values of Altabank.
• Providing superior internal and external customer service: demonstrating self‑governance, courtesy and respect toward external and internal customers.
• Representing Altabank in a professional manner, maintaining a professional image, confidentiality, a positive “can‑do” attitude, good attendance, punctuality, flexibility and adaptability.
• Maintaining a tidy work area and upholding customer privacy.
• Attending and participating in meetings as required.
• Maintaining regular and predictable attendance.
• Adapting to changing duties as needed.

• At least fifteen years of similar or related experience.
• A college degree or an equivalent combination of education and experience.
• Bachelor's degree in finance, economics, accounting, business management, or equivalent years of experience in the field.
• Fifteen years of commercial credit granting and monitoring experience.
• Thorough knowledge of financial statements, accounting principles, credit policy, applicable laws and industry data sources.

• Strong attention to detail and organizational skills.
• Strong technical and analytical skills.
• Strong oral and written communication skills.
• Proficiency in MS Word, Excel, and PowerPoint.
• Ability to interact calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization.
• Capability to attend regularly and reliably.
• Ability to adapt to change through time management, analytical, and problem‑solving skills.

• Frequent local travel; average local travel will be 5 hours a week.
• No hazardous or significantly unpleasant conditions.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

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 operate routine office equipment including computer terminals, keyboards, telephones, copiers, facsimiles, and calculators;

routinely…