Credit Analyst II

Credit Analyst II### Credit Analyst IIApply:
Boise, :
Coeur D'Alene, :
Full time:
Posted Today:
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*** If you are a current FIB employee, please apply through the Career Worklet in the**
* *** Employee Portal******.
*** This position may be located at our Boise,  W. Myrtle St. branch or Coeur d'Alene,  Dr. branch.

** What’s Important to You
** We know your career is just one aspect of a meaningful, complex, and demanding life. That’s why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.
* Generous Paid Time Off (PTO) in addition to paid federal holidays.
* Student debt employer repayment program.
* 401(k) retirement plan with a 6% match.
* The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it.

We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for **#Team First Interstate .*
* ** SUMMARY
* * The Credit Analyst II is responsible for evaluating and underwriting commercial credits including Commercial Real Estate (CRE), Commercial and Industrial (C&I), Hospitality, Municipalities and a variety of other commercial credit types. This role involves gathering, analyzing, and interpreting personal and business financial statements, projections, and internal/external reports to assess creditworthiness, repayment capacity, and compliance with bank policies and federal regulations.

This position partners closely with Commercial Relationship Managers to support new and existing loan relationships, emphasizing credit quality, risk mitigation, and portfolio performance.

** ESSENTIAL DUTIES AND RESPONSIBILITIES
*** Reads, reviews, and understands various financial statements to include but not limited to; tax returns, balance sheets, profit and loss statements, agings, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, rent rolls, lease agreements, and appraisals.
* Prepares financial spreads for various types of commercial and real estate businesses, municipalities, non-profits, and individuals acting as direct obligation borrowers or guarantors.
* Analyzes credit worthiness of commercial applicants and guarantors as appropriate by reviewing the loan application, spreading historical and projection based financial statements, calculating cash flows, leverage, and liquidity ratios, evaluating collateral, conducting research on the borrower(s) and key industries, and identifying risks.
* Analyzes findings and authors a comprehensive report of analysis using a mix of data analysis (charts, formulas, graphs, etc.) and written narrative.
* Evaluates credit quality and suggests proper risk rating based on analysis of most recent financial information.
* Possesses proficiency relative to credit transactions and analytical skills sufficient to enable independent underwriting of commercial requests for streamlined to complex requests with limited guidance from immediate manager.
* Ensures compliance to applicable regulations and keeps up-to-date with changes in federal regulations and FIB credit policy requirements.
* Assists the Relationship Manager in the preparation of reports for quarterly monitoring of classified and criticized commercial relationships.
* Completes financial performance metric covenant testing utilizing prepared financial spreads.
* Participates in a quality control program that provides for the monthly review of general forms, spreads, and analysis with the provision of feedback and mentoring.
** QUALIFICATIONS
* * To perform this job successfully, an individual must be able to perform each essential duty…