Credit Analyst I

About The Role

Provides support to Loan Officers by preparing loan documents, analyzing customer financial statements, tax returns, budgets, and other financial data. Performs ratio, industry benchmark, historical, and budget to actual comparative analysis. Prepares loan reports from which loan decisions are based upon and performs underwriting analysis. Provides quality customer service through friendly, professional, and efficient service to customers and outside associates. Assures effective and efficient administration of installment, commercial and real estate loan collateral files by the timely and accurate processing of all documents and entries, which are in compliance with bank, State, and Federal regulations. Assists commercial lenders with credit analysis and credit approval.

The pay range for this position is $27.34 - 41.01 per hour.

PRINCIPAL RESPONSIBLITES AND DUTIES:

• Prepares and/or oversees the preparation of credit authorizations, supporting documents and loan information sheets for new and existing accounts Spreads and/or analyzes financial statements and tax returns of potential and existing customers using appropriate tools and credit criteria.
• Analyze financial statements and tax returns and develop and convey questions and comments pertaining to financial trends and relevant borrower and industry data.
• Assists the assigned Loan Officer(s) in the management of the portfolio of loans. Responsibilities include but are not limited to:

• Performs analysis of financial statements, cashflows, and pricing analysis.
• Completes borrower background and qualification of the credit approval package.
• Prepares presentation materials for new and additional credit proposals.
• May prepare draft loan reports for loan officer review and finalization.
• Independently researches and analyzes company and industry data.
• May recommend loan terms and/or pricing structures to commercial lender.
• Helps track credit package completion.
• Helps prepare files for the audit/exam process and tracks their progress to assure their security.
• Assists the loan officer in the research and follow up of responses to audits/exams.
• Completes the closing loan process with customers.
• Begins collection efforts of late accounts.

• Provides support to Loan Officers by preparing all necessary credit approval documents accurately and within guidelines. Assists loan officers with preparation of correspondence, periodic reports, financial statements and loan analysis reports. Provide effective verbal and written communications to customers, business associates, affiliates, bank supervision, management and staff.
• Assures quality customer service and portrays a positive and professional image for the bank by friendly and efficient handling of all customers and by developing and maintaining professional relationships with government agencies (FSA & SBA), insurance agents, title company personnel, state and county auditors and other outside associates.
• Avoids possible loss to the bank by ensuring all installment, commercial and real estate loans are processed within the policies and processes established by the bank.
• Ensures the accurate and timely processing of commercial loans by providing computer input as needed, insurance and UCC-1 tracking and filing of legal documents. Ensures maximum collateral protection to the bank. Maintains orderly files so that unnecessary documents are purged. Maintains a list of pending and exception items and follow-up to assure receipt and completion of assigned collateral files. Prepare and release forms on paid out loans.
• Prepares and mails loan renewal packets in a timely manner.
• Prepares copies of customer provided financial and legal documents as requested.
• Responsibilities and duties may vary by the delegation of the Commercial Banking Officer or Commercial Loan Officer.
• Assist in the development and maintenance of certain management reports at the direction of the Chief Banking Officer.

• Comply with Bank policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

ADDITIONAL RESPONSIBILITIES:

• Adhere to Wheatland Bank Core Values
• Keep management informed of area activities and any significant problems
• Provide exceptional customer service to all customers, both internal and external.
• Represent Wheatland Bank in a Professional fashion to include; professional image, confidentiality, regular and consistent attendance, punctual.

POSITION CONTACT:

• Regular contact with supervisor, commercial loan officers and bank personnel regarding daily flow of work.
• Frequent contact with insurance agents, title company personnel, state and county auditors, credit approval, and other outside associates.
• Frequent contact with customers to ensure accuracy and updating of loan files, make loan disbursements as assigned and provide answers to inquiries and cross-sell bank products and services.

About You

EXPERIENCE, EDUCATION, AND SKILLS:

• 2 years of experience in accounting or financial analysis skills or related Associates Degree
• High School diploma/GED.
• Bachelors Degree in finance, accounting or related field preferred.
• A minimum of 1 years banking experience preferred.
• Proficiency with Microsoft applications (Word, Excel, Outlook)
• Ability to maintain strict confidentiality
• Strong written and oral communications skills
• Strong customer service skills
• Strong organizational skills with attention to detail
• Experience with jack henry systems highly desired.
• Accuracy with financial calculations.

PHYSICAL REQUIREMENTS:

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. 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 when required or requested by management. Must be capable of regular, reliable and timely attendance.

What We Offer

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.