Portfolio Manager

About The Role

First Bank of Montana is hiring a Credit Analyst to be an integral part of our team. The position will be located in our Choteau, Montana
. Do you have analytical skills and are interested in learning and growing within the banking field? This is the opportunity for you! 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. He/She will be expected to conduct him/herself in a manner that will enhance the overall efficiency and image of the bank. It will be required to build and maintain rapport with co‑workers and customers 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.

• Participate directly in lending activities, including assisting with loan structuring, pricing, and supporting loan officers in presenting credit requests.
• Support loan officers in gathering financial information, preparing lending packages, and ensuring files are complete for loan committee review.
• Assist in identifying new lending opportunities within assigned portfolios and engage with customers regarding potential credit needs.
• Manage an assigned portfolio of commercial credits, including monitoring maturities, renewals, loan covenants, annual reviews, and potential risk concerns.
• Assist in collecting customer monitoring requirements such as borrowing base certificates and financial reporting.
• Identify concerns or deteriorating trends in credits and elevate appropriately.
• Support Relationship Managers with portfolio management involving credit, deposit, and treasury services.
• Structure and underwrite commercial loans and agricultural loans.
• Spread and analyze financial statements and tax returns using approved tools and credit criteria.
• Prepare, review, and submit pre‑underwriting analyses and credit authorizations.
• Maintain a pipeline of loans, ensuring organized and timely completion of tasks.
• Communicate professionally with customers to request financials, respond to questions, and ensure timely follow‑up.
• Participate in meetings with existing or prospective customers as needed.
• Ensure compliance with Reg B, CRA, HMDA, and Adverse Action requirements.
• Work with credit, loan assistant, and loan operations teams to ensure accurate documentation and timely processing.
• Understand loan closing processes and ensure smooth movement of requests through the loan department.
• Complete annual term loan reviews and assist with problem loan reports.
• Participate in community involvement and bank‑sponsored activities as appropriate.
• Maintain professional appearance, confidentiality, and positive conduct in all interactions.

• 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,…