Credit Analyst II - Bozeman

Credit Analyst II serves as the senior technical underwriting resource within the credit organization. This position is responsible for complex commercial relationships, advanced credit analysis, portfolio risk management, and leadership within the analyst team. The Credit Analyst II functions as a subject matter expert and mentor while driving consistency and credit quality across assigned lending teams.

• Complex Underwriting and Advanced Financial Analysis: Independently leads the underwriting of large, complex, specialized, sensitive, or higher-risk new and renewed commercial credit relationships. Performs advanced cash flow analysis, including global cash flow evaluation, stress testing, sensitivity analysis, and debt-capacity modeling. Integrates borrower, guarantor, collateral, industry, market, concentration, policy, structure, and repayment considerations into clear, balanced, and decision-ready credit recommendations.
• Credit Structure and Advanced Risk Judgment: Partners with Relationship Managers and credit leadership to evaluate and refine transaction structure, repayment expectations, collateral and guarantor support, covenant packages, reporting requirements, risk ratings, approval conditions, policy considerations, and other risk mitigants. Challenges assumptions constructively, identifies material and emerging risks, and recommends practical alternatives or action plans when the proposed structure does not adequately address identified risk.
• Credit Partnership and Team Effectiveness: Serves as the primary credit partner for assigned Relationship Managers and lending teams or pods. Provides guidance on challenging credit situations, facilitates communication among team members, and helps coordinate and prioritize underwriting and portfolio work. Anticipates workflow constraints and escalates material capacity, quality, deadline, or risk concerns to management.
• Technical Leadership, Work Review, and Analyst Development: Develops and maintains advanced knowledge of commercial credit, underwriting standards, loan policy, procedures, loan products, and lending-related systems. Serves as a technical resource to analysts, lenders, and other internal partners by helping interpret requirements, resolve complex questions, and promote consistent credit and workflow practices. Reviews the work of junior analysts as assigned for accuracy, consistency, analytical support, and adherence to policy.
  
  Mentors, trains, and develops other analysts through constructive feedback, ongoing coaching, and technical support. Attends loan committee meetings as expected and is prepared to contribute appropriately to credit discussions.
• Complex Portfolio Management and Credit-Risk Oversight: Leads or provides advanced support for the ongoing management of complex, criticized, higher-risk, or otherwise significant credit relationships. Completes or oversees large relationship reviews, annual reviews, covenant monitoring, borrower-reporting follow-up, risk-rating assessments, action plans, and other portfolio-management activities. Identifies and communicates emerging borrower, industry, concentration, and portfolio risks and recommends appropriate monitoring, mitigation, or corrective action.
• Credit Quality and Departmental Initiatives: Supports regulatory examinations, internal audits, external loan reviews, credit-quality assessments, policy and procedure changes, system implementations, and other significant credit initiatives. Participates in or leads workflow improvements, training initiatives, research, presentations, and departmental projects. Completes or assists with other portfolio, system, reporting, or admin responsibilities when workload,…