Credit Analyst

Join to apply for the Credit Analyst I role at First Security Bank Montana - Div. of Glacier Bank

Responsible for providing competent credit analysis for commercial lending activities. Oversee credit workflows and processes necessary for the team to achieve optimal levels of production while maintaining excellent credit quality in the portfolio. Work directly with lenders and clients on requests.

• Perform commercial loan underwriting tasks such as analyze business & personal tax returns and financial statements, identify trends and concerns and work closely with assigned commercial team and customers to understand & mitigate credit issues.
• Assess credit worthiness of individuals, companies, and institutions.
• Provide informed professional opinions to bank officers regarding applicants financial/credit status, suggest loan structures, and support the lending process.
• Adherence and knowledge of loan policy to be used while underwriting and discussing potential loan requests.
• Undertakes risk analysis using regional and industry-specific data and gauges market trends.
• Preparing credit memos and recommendations based on the analysis and findings.
• Clearly and professionally communicates with lending teams and customers.
• Regular and predictable attendance to accomplish job duties and provide in-person contact with internal and external customers.
• Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a passing score by due date.
• Other duties as assigned.

• Smile
• Eye Contact
• Refer to Customer by name
• Viable Options
• Instant Acknowledgement
• Customers Always Come First
• End with “Thank you”

• Bachelor’s degree in accounting, finance, or related field, or equivalent credit analyst knowledge gained through a combination of education and experience.
• Minimum of one-year prior experience in commercial banking, or related field.
• Prior customer service experience preferred.

• Basic understanding of financial data such as cash flow, balance sheet, income statement, and collateral valuation.
• Communicate effectively both verbally and in writing with others in a clear, thorough, and timely manner.
• Ability to calculate figures and amounts such as percentages and ability to apply concepts of basic math.
• Analytical skills to assess and evaluate areas of responsibility including determination of loan risk involved and recommendation of credit limitations.
• Proven analytical and problem-solving abilities.
• Ability to process detailed information with accuracy and efficiency.
• Assignments involve work of a confidential nature, necessitating exposure to sensitive information and contacts requiring discretion.
• A significant level of trust and diplomacy is required to be an effective subject matter expert in the position.
• Knowledge and proficiency with various computer programs; including but not limited to Microsoft Word and Excel, nCino, Jack Henry, or other software commonly used in the banking industry.
• Requires excellent verbal and written communication skills with the ability to communicate detailed information in clear, easy to understand manner.
• Demonstrated strong organizational skills and ability to both prioritize and multi-task while adapting to changing workflow and personalities.
• Must possess ability to prepare written reports and present formal presentations.

Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. 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…