Credit Analyst III

About the Role

First Bank of Montana is hiring a Credit Analyst to be an integral part of our team in our newly opened Great Falls, Montana Loan Production Office
. This position involves providing loan support for loan officers across the bank division and requires a positive attitude and great customer service skills. The ability to work in a team atmosphere and promote the bank's products and services is required. Professionalism, confidentiality, good attendance, punctuality, flexibility and adaptability are a must!

The successful candidate will have extensive contact with bank staff as well as with external customers. They will be expected to conduct themselves in a manner that will enhance the overall efficiency and image of the bank. They will be required to build and maintain rapport with co‑workers in order to complete tasks in a timely manner while following all policy and regulatory requirements.

Must comply with applicable laws and regulations, including but not limited to, the Dodd‑Frank Act, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a score of 85% or greater by the due date.

• Perform credit/financial analysis duties and support as assigned for the Division's Ag and Commercial Loan Department.
• Accurate and prompt analysis of financial statements and tax returns with to‑the‑point written narratives. Meet turnaround goals set by management.
• Work with loan teams to monitor and follow‑up on files to ensure financial information is requested per policy guidelines.
• Maintain and monitor all loans with Borrowing Base Certificates. Ensure accurate calculations with recommendations to the loan officer for action.
• Assist the department in managing the technical exception reporting and correction process. Prepare and maintain a technical exception log for critical and technical exceptions.
• Assist Department Manager with various assigned tasks such as research requests for loan reviews, non‑accrual/charge‑off entries, recommendation and implementation of new department procedures/practices, and act as a back‑up on various general duties. Provide additional knowledge and support to the Commercial, Consumer, Loan Servicing and Collection departments as needed.
• Keep current on loan programs and lending (federal and state) regulations as well as all compliance and bank policies and procedures. Participate in the preparation and presentation of all commercial training sessions.
• Work with multiple branches and loan officers.
• Review collateral valuations.
• Assist lending teams with outside calls, collateral inspections/valuations and other duties as assigned.

• Perform job functions in compliance with all company policies and procedures, federal and state rules and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC and GLBA/privacy rules.
• Keep 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 First Bank of Montana.
• 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 First Bank of Montana 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. Attend and participate in meetings as required.
• Regular and predictable attendance is an essential function of this job in order to accomplish, among other things, in‑person contact with customers and lenders.
• Additional duties as requested or assigned.

• High school diploma or equivalent required.
• Associate’s or Bachelor’s Degree in Finance related area of study preferred.
• Five years credit analysis experience required.
• Previous tax spreading and…