SR Credit Analyst

About The Role

Summary

The Senior Credit Analyst is responsible for underwriting commercial loan requests. The Senior Credit Analyst is responsible for preparing a credit memorandum documenting strengths and weaknesses of a commercial credit request in conjunction with the commercial loan officer and support their recommendations via a thorough and thoughtful financial analysis. The Senior Credit Analyst is expected to underwrite all loan requests in compliance with the bank's policies and procedures.

The Senior Credit Analyst is expected to have the knowledge and ability to train other Credit Analysts on the bank's policies and procedures.

The compensation pay range for this position is $77,000 to $88,000 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:

• Underwrites commercial loan requests including, but not limited to, real estate, construction, commercial and industrial, and SBA loans.
• Prepares financial statement analysis and analyzes related materials including accounts receivable and payable agings, information from credit bureaus, and industry related websites.
• Understands and applies the bank's policies and procedures and underwrites all loan requests in compliance with them.
• Assists commercial Loan Officer in preparing loan presentation for review by the Chief Credit Officer and/or Loan Committees.
• Joins Loan Officer in meetings with existing and prospective bank customers.
• Performs job functions in compliance with all company policies, federal and state rules and regulations as applicable to the position, including, but not limited to, BSA/AML, OFAC, and GLBA/privacy rules.
• Trains and mentors other Credit Analysts; acts as a knowledge resource for team members and peers.
• Leads or assists with projects that consist primarily of credit administration issues.
• Support the communities the Bank services through volunteer opprotunities
• Other duties as assigned.

About You

QUALIFICATIONS:

• Undergraduate degree in business, finance, or economics and/or three to five years of commercial credit analysis experience preferred.

KNOWLEDGE, SKILL, ABILITY:

• Able to evaluate the sustainability and risk of a loan request through the thoughtful analysis of business and personal financials.
• Thorough understanding of residential and commercial appraisals.
• Tech savvy, with a good familiarity with underwriting software and Microsoft Word and Excel; nCino experience is a plus.
• Able to apply logical or critical thinking to define problems, collect data, establish facts, and draw conclusions and explain their thought process to others in a concise manner.
• Communicate effectively both verbally and in writing with others in a clear, thorough and timely manner.
• Ability to produce work within directed timeframe without compromising integrity or quality of work.
• Able to manage several tasks/projects simultaneously and effectively; self-starter who maintains a high level of productivity with limited direction.
• Exhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the Bank in a positive manner and maintain credibility with others.
• Maintain strict confidentiality regarding any information obtained during the course of performing job duties; adhere to Bank policies and procedures regarding confidentiality

ATTENDANCE: Regular and predictable attendance in order to accomplish, among other things, in-person contact with customers.

WORK ENVIRONMENT: Work performed in an office environment. Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

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.

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.

MENTAL CONDITIONS:

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 accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Supervisory Responsibility: None

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, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, and paid sick, holiday, and vacation time.Visit our website for more details

COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same. Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website. 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.

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