Credit Analyst

The Credit Analyst I position is responsible for assisting commercial lenders throughout the division with all aspects of the commercial lending process. Responsible for providing competent credit analysis for commercial lending activities, including spreading financials, completing financial charts, preparing credit memos to underwrite loan requests, assisting with portfolio management, and helping with special projects and assignments while adhering to and exemplifying our Core Values:
Embrace Responsibility, Execute with Excellence, Pursue Growth & Learning, Thrive Together.

• Underwrite new and renewing commercial loan requests, including but not limited to: real estate, construction, commercial and industrial, and SBA 7A/SBA 504/USDA loans.
• Assist in the completion of credit memos through nCino in compliance with GBCI loan policy, procedures, and regulations.
• Understand various types and qualities of financial statements.
• Accurately spread and analyze financial statements and/or tax returns, and complete all required financial charts.
• Review loan packages for proper structure, accurate financial analysis, adequate collateral, appropriate risk rating, covenants, and approval conditions.
• Participate in loan committee meetings and discussions.
• Support loan officers with closings, portfolio management, annual loan reviews, and problem loan reporting.
• Assist with covenant monitoring, tracking, and construction loan management through the Built system.
• Work effectively with third-party vendors such as accountants, bookkeepers, and title companies.
• Obtain credentials and training necessary to complete appraisal reviews for the division.
• Ensure all assigned training courses are completed within required time frames. Seek clarification from supervisors as needed to ensure understanding of training content.
• 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.
• Adhere First Bank of Wyoming's Core Values and represent the bank professionally through a positive attitude, appropriate appearance, confidentiality, punctuality, and adaptability to meet customer and bank needs.
• Provide superior customer service to both internal and external customers, demonstrating courtesy, professionalism, and respect at all times.
• Maintain physical presence in the workplace and full alertness during working hours to ensure effective customer service and overall job performance.
• Complete required bank training courses within assigned time frame(s).
• Participate in community service and bank-sponsored activities that align with the mission and values of First Bank of Wyoming.
• Attend and actively participate in required training, staff meetings, and other bank functions.
• Maintain a clean and organized work area to ensure customer privacy.
• Maintain regular and predictable attendance to support effective communication and customer interactions.
• Other duties as requested or assigned

• 0-2 years of similar or related experience, including preparatory experience required
• Associate's Degree in business, finance, accounting, or economics is required.
  • Bachelor's Degree in business, finance, accounting, or economics highly preferred.
  • An equivalent combination of education and experience may be considered.

• Ability to effectively manage a sales pipeline to manage to achievement of sales goals.
• Strong problem-solving skills with the ability to prioritize and manage multiple tasks and responsibilities effectively.
• Excellent organizational skills and attention to detail, with the ability to perform in a fast-paced, deadline-driven environment.
• Effective time management skills, with the ability to prioritize heavy workloads and meet multiple or competing deadlines.
• Strong verbal and written communication skills, with the ability to clearly understand and follow complex written and oral instructions.
• Exceptional interpersonal skills and a demonstrated ability to build rapport and work collaboratively with team members at all levels of the organization.
• Demonstrated commitment to providing outstanding customer service with courtesy, professionalism, and tact.
• Self-motivated and adaptable, with the ability to work quickly and accurately both independently and as part of a team.
• Calm and professional demeanor under pressure, maintaining a positive and…