Credit Analyst Job at Glacier Bank
The Credit Analyst is responsible for providing Credit/Financial Analysis duties as assigned. Employee will have extensive contact with customers, vendors, the general public, and bank staff and will interact in a professional and courteous manner, and conduct him/herself in such relationships in a manner that will enhance the overall efficiency and image of the bank.
Essential Functions
- Credit/Financial Analysis duties and support as assigned for the Commercial Loan Department.
- Accurate and prompt analysis of financial statements and tax returns with to the point written narratives. Turn around goal is 24 hours.
- Work with loan teams to monitor and follow-up on files to be sure financial information is being requested annually.
- Help maintain and monitor all loans with Borrowing Base Certificates. Ensuring accurate calculations with recommendations to the loan officer for action.
- Assist the department in managing the technical exception reporting and correction process. Prepare and maintain a technical exception log for critical and technical exceptions.
- Keep current on loan programs and lending (federal and state) regulations as well as all compliance and bank policies and procedures. Participate in the preparation and presentation of all commercial training sessions.
- Keep current on commercial loan pricing model to include assisting all lenders in the preparation, input and implementation of the pricing model. Turn around goal is 24 hours. Continue to become knowledgeable and proficient at the commercial loan pricing model with the ability to train others in its implementation and use.
- Assist Department Manager with various assigned tasks such as research requests, loan reviews, non-accrual/charge off entries, recommendation and implementation of new department procedures/practices, and acting as a back-up on various general duties. Provide various additional knowledge and support to the Commercial, Consumer, Loan Servicing and Collection departments as needed.
- Assist lending teams with outside calls, collateral inspections/valuations and other duties as assigned.
- Service Quality – embrace service pledge and provide extraordinary and consistent service to all internal and external customers. Listens to and asks about customers needs.
- Participates in required training, staff meetings, and lobby displays.
- Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of Glacier Bank.
- Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel).
- Complete required bank and BVS training courses within assigned time frame(s).
- 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.
- Represent Glacier Bank in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy.
Additional duties as requested or assigned.
Preferred Qualifications
Work Environment
Physical Demands
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, balance, stoop, kneel, crouch, crawl, push, and pull.
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: 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.
COMPANY OVERVIEW: At Glacier Bancorp, our employees are our most valuable asset. We seek qualified individuals who enjoy people, are innovative and eager to learn. We are dedicated to providing opportunities for personal advancement and professional growth by investing in the tools and training needed to build a personalized career path for you.
Glacier Bancorp, Inc. is a regional bank holding company headquartered in Kalispell, Montana with assets greater than $12 billion, operating in numerous community bank divisions across 8 states (Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona and Nevada). We pursue a community banking philosophy, emphasizing personalized service combined with the full resources of a large banking organization. Over the years, Glacier Bancorp has received numerous awards for stability and soundness, and has repeatedly ranked among the top 10% in the nation for financial strength.
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, age, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.
No Recruiters or unsolicited agency referrals please.
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