CREDIT ANALYST

Regular Full-Time

Kalispell Main, Kalispell, MT, US

Position General Responsibilities :

This position assists the Commercial Lender by spreading customer financial statements and analyzing them, identifying customer strengths/weaknesses. In addition they prepare financial forecasts with the assistance of bankers to assist in the assessment of the borrower's capacity. Finally they are responsible for providing support to the banker to assist them in soliciting, developing and maintaining profitable account relationships to increase Stockman Bank's market share in this business. This position will also take on the role of a lender trainee.

Employees Supervised :

None

Education, Experience and Certification Requirements

Note: Only minimum responsibilities are listed. Other responsibilities may be required as requested by management.

Minimum Qualifications

• 4-year college level course of study in Business Administration and/or financial institution or related field experience or equivalent training and/or experience.

• Excellent customer service skills.

• Strong communication and organizational skills.

• Must be able to work independently and to prioritize multiple tasks.

Specific Skills Preferred

• 3-5 years of Credit Analyst experience.

• Attention to Detail- ability to notice and correct errors, document and follow up on important details and provide a high-quality -end-product.

• Knowledge of financial statement and cash flow analysis, & basic working knowledge of GAAP.

• Familiarity with legal contracts and the Uniform Commercial Code as related to lending and collateral perfection.

• Professionalism - maintaining a professional attitude, image, and work ethic.

• Understanding of and ability to work with lending software with proper training.

• Team Playing - willingly collaborating and cooperating with others, developing effective working relationships

• Ability to remain focused and on task and efficiently work unsupervised meeting all deadlines.

• Written and verbal communication skills - ability to concisely and clearly present critical details.

• Previous Loan Processing Experience

Position Specific Responsibilities, Duties and Competencies

Analyze and Process:

• Assist Lenders in analyzing existing and new customer credit requests.

• Work with Lenders and Loan Processor to coordinate the request/receipt of business and personal financial statements.

• Coordinate timely spreading of financial statements with Credit Analysis.

• Analyze statements, identifying customer strengths/weaknesses and questions/concerns to be raised to the client.

• Prepare financial forecasts/pro-forma statements in consultation with Lenders to assist in assessment of borrower capacity.

• Prepare financial analysis documentation (i.e. Routine Administration Checklist, Loan Documentation Checklist, Spreads, etc.) in consultation with the Lenders/manager, as appropriate, for review and approval by Lenders.

• Review file documentation for completeness and correctness, in accordance with Front End Guidance, Credit Policy, and Credit Process Procedures.

• Manage annual credit review and file comments.

• Research real estate comps for preparation of Bank Evaluations on collateral.

• Monitor existing credits for collateral review, interim statement review, loan covenant compliance, etc.

For full description, which includes physical mental demands please see attachment.