Credit Analyst III

• Collaborate with relationship managers to gather and evaluate commercial credit information for current and prospective customers
• Prepare written credit analysis reports including financial statement, cash flow, ratio, industry, credit structure, and risk analysis
• Review 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
• Prepare financial spreads for commercial and real estate businesses, municipalities, non-profits, and individuals acting as borrowers or guarantors
• Analyze creditworthiness, cash flows, leverage, liquidity ratios, collateral, borrower research, industry conditions, and risks
• Author comprehensive reports using charts, formulas, graphs, data analysis, and written narrative
• Evaluate credit quality and suggest appropriate risk ratings
• Independently underwrite streamlined to complex commercial credit requests with limited manager guidance
• Ensure compliance with applicable regulations and First Interstate Bank credit policies
• Assist relationship managers with quarterly monitoring reports for classified and criticized commercial relationships
• Complete financial performance metric covenant testing
• Manage portfolios as assigned
• Participate in monthly quality control reviews and provide feedback and mentoring
• Develop training materials and assist with training delivery
• Mentor lower-level analysts and support their credit acumen development
• Serve as a resource to relationship managers and analysts on loan policy, loan structuring, and underwriting recommendations

• Bachelor's Degree in Business, Finance, or related field required
• 7-9 years of banking experience and/or equivalent combination of education and experience required
• 4-6 years experience in a similar position required
• Experience with financial spread software required
• Commercial banking experience preferred
• Strong organization and time management skills
• Excellent written and verbal skills
• Ability to develop and maintain internal and external relationships
• Ability to work in a fast-paced environment, set priorities, meet strict deadlines, and adapt to changing priorities
• Strong analytical and problem-solving skills and attention to detail
• Proficiency with Microsoft Office Suite, including Word, Excel, Outlook, and Power Point
• Ability to acclimate quickly to other programs
• Regular and predictable attendance required
• Must pass pre-employment screenings including a background check
• Must verify identity and employment eligibility through E-Verify

Demonstrates expertise in commercial credit analysis, financial statement evaluation, and risk assessment while effectively collaborating with relationship managers. Proficient in preparing comprehensive credit reports and mentoring junior analysts to enhance their credit acumen.

• Commercial Credit Analysis
• Financial Statement Evaluation
• Risk Assessment
• Financial Spread Software
• Banking Experience

• Credit Analysis
• Financial Spreads
• Cash Flow Analysis
• Ratio Analysis
• Collateral Evaluation
• Underwriting
• Credit Quality Evaluation
• Covenant Testing
• Data Analysis
• Report Writing

• Strong Organization Skills
• Time Management
• Excellent Written Skills
• Excellent Verbal Skills
• Analytical Problem-Solving

• Commercial Banking
• Credit Policies
• Risk Ratings
• Portfolio Management
• Loan Structuring

• Microsoft Office Suite
• Financial Spread Software