Credit Analyst 1

Responsible for providing competent credit analysis and portfolio management for commercial

lending activities. Oversee credit workflows and processes necessary for the team to achieve optimal levels of production while maintaining excellent credit quality in the portfolio. Work directly with lenders and clients on requests.

Duties include but are not limited to:

• Perform commercial loan underwriting tasks such as analyze business & personal tax returns and financial statements, identify trends and concerns and work closely with assigned commercial team and customers to understand & mitigate credit issues
• Assess credit worthiness of individuals, companies, and institutions
• Provide informed professional opinions to bank officers regarding applicants financial/credit status, suggest loan structures, and support the lending process
• Adherence and knowledge of loan policy to be used while underwriting and discussing potential loan requests
• Maintain optimal portfolio quality by monitoring and ensuring:
  • Borrowing Base Certificates are timely, accurate and filed
  • Lines secured with A/R & inventory assets are not overdrawn
  • Financial reporting requirements are timely, accurate and filed
  • Loan covenants are monitored in a manner that is timely and accurate
  • Portfolio delinquency is minimized
  • Maturing loans are tracked and properly addressed prior to maturity
  • Annual reviews and ADC reviews are completed in a manner that is timely and accurate
  • Graded credits have accurate and updated Problem Loan Reports
• Undertakes risk analysis using regional and industry-specific data and gauges market trends
• Periodically accompanies Commercial Relationship Managers on calls with existing and/or prospective customers as requested.
• Clearly and professionally communicates with lending teams and customers
• Responsible for maintaining organized and current digital credit files. This includes updated personal and business tax returns and financial statements.
• Regular and predictable attendance to accomplish job duties and provide in-person contact with customers.
• Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a passing score by due date.
• Other duties as assigned.

QUALIFICATIONS:

Education and Experience

• Bachelor's degree in accounting, finance, or related field, or equivalent credit analyst knowledge gained through a combination of education and experience
• Minimum of one-year prior experience in commercial banking, or related field.
• Prior customer service experience preferred.

KNOWLEDGE, SKILL, ABILITY:

• Basic understanding of financial data such as cash flow, balance sheet, income statement, and collateral valuation
• Ability to calculate figures and amounts such as percentages and ability to apply concepts of basic math
• Analytical skills to assess and evaluate areas of responsibility including determination of loan risk involved and recommendation of credit limitations
• Proven analytical and problem-solving abilities.
• Ability to process detailed information with accuracy and efficiency
• Assignments involve work of a confidential nature, necessitating exposure to sensitive information and contacts requiring discretion
• A significant level of trust and diplomacy is required to be an effective subject matter expert in the position.
• Knowledge and proficiency with various computer programs; including but not limited to Microsoft Word and Excel, nCino, Jack Henry, or other software commonly used in the banking industry
• Requires excellent verbal and written communication skills with the ability to communicate detailed information in clear, easy to understand manner
• Demonstrated strong organizational skills and ability to both prioritize and multi-task while adapting to changing workflow and personalities
• Must possess ability to prepare written reports and present formal presentations.

WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific lifting abilities required by this job include: The employee is constantly required to stand and walk. Exerting up to 25 pounds of force occasionally, and/or up to 10 pounds of force frequently, and/or a negligible amount of force constantly to move objects. If the use of arm and/or leg controls requires exertion of forces greater than that for sedentary work and the worker sits most of the time, the job is rated for light work.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, Paid Time Off (PTO) and holidays. Visit our website for more details!

COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same. Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website. Check it out!

We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.