Credit Analyst III

Summary

The Credit Analyst III collaborates with relationship managers to evaluate commercial credit information, prepare financial spreads, author comprehensive analysis reports, and manage risk ratings for a variety of commercial and real estate borrowers.

• Read, review, and understand diverse financial statements and related documentation, including tax returns, balance sheets, profit and loss statements, and credit reports.
• Prepare financial spreads for commercial, real estate, municipal, non‑profit, and individual borrowers or guarantors.
• Analyze creditworthiness of applicants by spreading historical and projected financial statements, calculating cash flows, leverage, liquidity ratios, evaluating collateral, researching borrower and industry risk factors, and identifying risks.
• Author comprehensive analysis reports incorporating data visualizations and written narrative.
• Determine appropriate risk rating based on recent financial information.
• Ensure compliance with federal regulations and First Interstate Bank credit policy requirements.
• Assist Relationship Managers with quarterly monitoring reports and financial covenant testing.
• Participate in the quality control program, reviewing general forms, spreads, and analysis, and providing feedback and mentoring.
• Develop and deliver training materials through various channels.
• Mentor lower‑level analysts to enhance credit acumen.
• Act as a resource for Relationship Managers and other analysts on loan policy, structuring, and underwriting recommendations.

• Strong organization and time management skills.
• Excellent written and verbal communication.
• Ability to develop and maintain internal and external relationships with Relationship Managers, Credit Officers, and Risk Management personnel.
• Capacity to work in a fast‑paced environment, prioritize tasks, and meet strict deadlines with flexibility.
• Self‑motivated with a strong credit risk decision support mindset.
• Strong analytical and problem‑solving skills with meticulous attention to detail.
• Proficiency with Microsoft Office Suite (Word, Excel, Outlook, PowerPoint).
• Rapid adaptation to other software applications.
• Bachelor’s degree in Business, Finance, or related field.
• 7–9 years of banking experience and/or equivalent combination of education and experience.
• 4–6 years of experience in a comparable role.
• Experience with financial spread software.
• Commercial banking experience preferred.

Frequent use of keyboard and mouse; occasional lifting up to 10 lbs; sitting for extended periods; moderate noise level; regular Monday‑Friday 8‑5 schedule; requires reliable attendance.

First Interstate Bank is an equal opportunity employer committed to a diverse workforce and a barrier‑free employment process. Employment is based solely on merit and qualifications directly related to the position. We do not discriminate on the basis of race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, disability, medical condition, or any other characteristic protected by law.

Reasonable accommodations are made for qualified individuals with disabilities.