Credit Analyst I

Credit Analyst I

Position Purpose

The Credit Analyst I position is responsible for assisting commercial lenders throughout the division with all aspects of the commercial lending process. Responsible for providing competent credit analysis for commercial lending activities, including spreading financials, completing financial charts, preparing credit memos to underwrite loan requests, assisting with portfolio management, and helping with special projects and assignments while adhering to and exemplifying our Core Values: Embrace Responsibility, Execute with Excellence, Pursue Growth & Learning, Thrive Together.

Essential Functions

• Underwrite new and renewing commercial loan requests, including but not limited to: real estate, construction, commercial and industrial, and SBA 7A/SBA 504/USDA loans.
• Assist in the completion of credit memos through nCino in compliance with GBCI loan policy, procedures, and regulations.
• Understand various types and qualities of financial statements.
• Accurately spread and analyze financial statements and/or tax returns, and complete all required financial charts.
• Review loan packages for proper structure, accurate financial analysis, adequate collateral, appropriate risk rating, covenants, and approval conditions.
• Participate in loan committee meetings and discussions.
• Support loan officers with closings, portfolio management, annual loan reviews, and problem loan reporting.
• Assist with covenant monitoring, tracking, and construction loan management through the Built system.
• Work effectively with third-party vendors such as accountants, bookkeepers, and title companies.
• Obtain credentials and training necessary to complete appraisal reviews for the division.
• Ensure all assigned training courses are completed within required timeframes. Seek clarification from supervisors as needed to ensure understanding of training content.
• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Adhere First Bank of Wyoming's Core Values and represent the bank professionally through a positive attitude, appropriate appearance, confidentiality, punctuality, and adaptability to meet customer and bank needs.
• Provide superior customer service to both internal and external customers, demonstrating courtesy, professionalism, and respect at all times.
• Maintain physical presence in the workplace and full alertness during working hours to ensure effective customer service and overall job performance.
• Complete required bank training courses within assigned time frame(s).
• Participate in community service and bank-sponsored activities that align with the mission and values of First Bank of Wyoming.
• Attend and actively participate in required training, staff meetings, and other bank functions.
• Maintain a clean and organized work area to ensure customer privacy.
• Maintain regular and predictable attendance to support effective communication and customer interactions.
• Other duties as requested or assigned

Qualifications

Education and Experience:

• 0-2 years of similar or related experience, including preparatory experience required
• Associate's Degree in business, finance, accounting, or economics is required. Bachelor's Degree in business, finance, accounting, or economics highly preferred. An equivalent combination of education and experience may be considered.

Required Knowledge, Skills and Abilities:

• Ability to effectively manage a sales pipeline to manage to achievement of sales goals.
• Strong problem-solving skills with the ability to prioritize and manage multiple tasks and responsibilities effectively.
• Excellent organizational skills and attention to detail, with the ability to perform in a fast-paced, deadline-driven environment.
• Effective time management skills, with the ability to prioritize heavy workloads and meet multiple or competing deadlines.
• Strong verbal and written communication skills, with the ability to clearly understand and follow complex written and oral instructions.
• Exceptional interpersonal skills and a demonstrated ability to build rapport and work collaboratively with team members at all levels of the organization.
• Demonstrated commitment to providing outstanding customer service with courtesy, professionalism, and tact.
• Self-motivated and adaptable, with the ability to work quickly and accurately both independently and as part of a team.
• Calm and professional demeanor under pressure, maintaining a positive and service-oriented attitude at all times.
• Regular, reliable, and punctual attendance is required.
• Proficient in Microsoft Office Suite (Word, Excel) and other general business software.
• Strong 10-key proficiency and solid computer literacy, including working knowledge of spreadsheets, word processing, and standard office equipment.

Interpersonal Skills:

A significant level of trust, credibility and diplomacy is required. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance.

Physical Requirements:

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: Climb (Ascending or descending ladders, stairs, scaffolding, ramps, poles and the like, using feet and legs and/or hands and arms. Body agility is emphasized. This factor is important if the amount and kind of climbing required exceeds that required for ordinary locomotion.) Balance (Maintaining body equilibrium to prevent falling and walking, standing or crouching on narrow, slippery, or erratically moving surfaces. This factor is important if the amount of balancing exceeds that needed for ordinary locomotion and maintenance of body equilibrium.) Stoop (Bending body downward and forward by bending spine at the waist. This factor is important if it occurs to a considerable degree and requires full motion of the lower extremities and back muscles.) Stoop (Bending body downward and forward by bending spine at the waist. This factor is important if it occurs to a considerable degree and requires full motion of the lower extremities and back muscles.) Kneel (Bending legs at knee to come to a rest on knee or knees.) Crouch (Bending the body downward and forward by bending leg and spine.) Crawl (Moving about on hands and knees or hands and feet.) Push (Using upper extremities to press against something with steady force in order to thrust forward, downward or outward.) Pull (Using upper extremities to exert force in order to draw, haul or tug objects in a sustained motion.)

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 able to climb / descending stairs in an emergency situation.

Specific lifting abilities required by this job include: Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

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.

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

Travel: Occasional travel required: (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.

Mental Requirements: Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme