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 responsible for 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.
• Be 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 manages risk / exposure and compliance within the bank's portfolio.
• Assists in participation with bank credit committees as assigned.
• Assist and mentor loan officers and credit analysts in reviewing complete, articulate, loan credit presentations with risks identified and mitigated.
• Assist in recommending and improving credit processes in the bank.
• 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.
• Complete required bank training courses within assigned time frame(s). It is the individual learner responsibility to ensure that they understand the information given to them in each training. If the learner does not understand the information given they need to reach out to their supervisor for further clarification or additional training.
• Adhere to Altabank 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 Altabank.
• 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).
• Represent Altabank 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.
• Regular and predictable attendance in order to accomplish, among other things, in-person contact with customers.
• Duties can change.

• At least fifteen years similar or related experience.
• A college degree or equivalent combination of education and experience.
• Bachelor's degree in finance, economics, accounting, business management, or commensurate years of experience in the field.
• 15 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.
• Proficient in MS Word, Excel, and PowerPoint.
• Employee must be capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization.
• Employee must be capable of regular, reliable, and timely attendance.
• Ability to adapt to change (e.g. shifting priorities, demands, and timelines) 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. (Such as in a typical)

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:

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…