Credit Analyst Senior Lead

Summary

The Credit Analyst Team Lead is responsible for underwriting complex commercial loan requests while providing day-to-day leadership and guidance to the commercial credit analyst team. Serving in a player coach capacity, this role balances direct underwriting responsibilities with helping teammates move work forward, resolve issues, and deliver timely, high-quality credit decisions.

The Credit Analyst Team Lead is a true partner to other teams across the Bank, including Portfolio Management, Commercial Lending, Loan Assistants, and Loan Operations. Through close collaboration, the role helps improve efficiency, remove bottlenecks, and support well-coordinated credit outcomes that promote long-term success for both the customer and the Bank.

This position is well-suited for an individual who is focused on enhancing and building leadership and management skills. The role provides hands-on exposure to team leadership responsibilities while supporting ongoing personal and professional growth.

The compensation pay range for this position is $116,600 - $129,630 per year. All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background.

DUTIES AND RESPONSIBILITIES:

• Leads and manages a few credit analysts, providing day-to-day direction, work allocation, coaching, and performance feedback; serves as a technical resource for complex underwriting and policy questions.
• Underwrites complex commercial credit requests including commercial real estate, construction, C&I, SBA, municipal/government, and non-profit loans.
• Prepares financial analyses and credit presentations, including borrower and guarantor financials, tax returns, cash flow analysis, collateral support, credit reports, and industry data.
• Produces comprehensive credit memoranda that clearly articulate transaction structure, risks and mitigants, strengths and weaknesses, and key areas of focus.
• In conjunction with other team lead(s), oversees the commercial credit workflow, assigning requests based on complexity, analyst capacity and capabilities, ensuring timely, high-quality work.
• Reviews loan packages prepared by others for accuracy, completeness, clarity, and adherence to Bank policy and underwriting standards.
• Partners closely with Commercial Loan Officers, including participation in borrower meetings when appropriate, to support sound deal structuring and effective presentation to senior credit leadership and Loan Committee(s).
• Trains and develops credit analysts, supports onboarding of new team members, and promotes consistent underwriting quality and judgment.
• Identifies and recommends changes to improve underwriting processes, workflows, and cross-functional communication to enhance efficiency, consistency, and customer experience.
• Ensures compliance with Bank policies and all applicable regulatory requirements, including BSA/AML, OFAC, and privacy regulations.
• Fosters a collaborative, team-first culture, contributing where needed to meet department and Bank objectives.

Supports community involvement initiatives and performs other duties as assigned.

QUALIFICATIONS:

• Undergraduate degree in business, finance, economics, or a related field preferred.
• Minimum of five years commercial credit analysis experience preferred
• Demonstrated ability to independently underwrite complex commercial credit requests.
• Prior experience mentoring, coaching, or providing functional leadership to other credit analysts preferred.

KNOWLEDGE, SKILL, ABILITY:

• Strong ability to read, analyze, and interpret individual and business tax returns; audited or reviewed financial statements; and internally prepared profit and loss statements, balance sheets, statements of cash flows, and cash flow analyses.
• Demonstrated ability to evaluate the risk of commercial loan requests through thoughtful, well-supported financial analysis and sound professional judgment.
• Thorough understanding of residential and commercial appraisals and their application in credit decisioning.
• High level of technical proficiency, including strong working knowledge of underwriting systems and Microsoft Word and Excel; experience with nCino is a plus.
• Ability to apply logical and critical thinking to define problems, gather and analyze data, establish facts, interpret technical guidance, manage multiple variables, and draw well-reasoned conclusions.
• Comfortable participating in meetings with lending officers and existing or prospective bank customers, as needed.
• Excellent written and verbal communication skills, with the ability to communicate clearly, thoroughly, and professionally with internal and external stakeholders.
• Strong organizational and time management skills, with the ability to prioritize and manage multiple projects simultaneously while maintaining accuracy, attention to detail, and quality within established timeframes.
• Self-motivated, dependable, and detail-oriented professional who follows through on responsibilities and produces high-quality work without compromising integrity.
• Collaborative and team-oriented mindset; demonstrates professionalism, builds positive working relationships, and represents the bank in a credible and positive manner.
• Proven commitment to confidentiality, with the ability to handle sensitive information in strict compliance with bank policies, procedures, and regulatory requirements.

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. The employee may also be required to:

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:

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. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details. 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.