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Credit Analyst 2

4 weeks ago

Idaho Falls, United States Citizens Community Bank Full time

About the Role:

SUMMARY:

Come work for the best Citizens Community Bank has been voted Best Bank at the Idaho State Journals Readers Choice Awards for the past six years

Citizens Community Bank is looking for a skilled & analytical Credit Analyst. This position will review large loans, new commercial loans, classified and delinquent loans. The objective of the position is to review and assess the credit quality of the portfolio, to determine acceptability of underwriting standards and policies, to ensure that approvals are based on accurate information, and

to ensure that key documentation is adequate. The process included reviewing loan files for current and complete financial information, insurance, note and collateral documentation and assessing the level of repayment risk within the credit. May also prepare various reports as assigned related to the division commercial portfolio. This individual must be a self-motivator and focused, have a technical capacity, be thorough, communicate proficiently and hold confidentiality in the highest regard.

Duties and responsibilities:

  • Review and analyze documentation checking off items as they are received to ensure files are completed.
  • Verify information needed such as title commitments, UCC filings, environmental reports, appraisals, flood insurance and look over the correct tax documentation for underwriting; must review for accuracy.
  • Review loan documents; ensure proper vesting, legal descriptions, dates, signatures, etc.
  • Track and follow up on maintenance of files including but not limited to: rate and payment changes, automatic payment, online banking, insurance, UCC renewals, financial statements and tax returns, corporate verification of status, inspections, etc.
  • Make sure loan files are monitor correctly and suggest changes to be made and make sure they are accurate.
  • Confirm all loans booked have the proper approvals and signatures in the loan file.
  • Prepare monthly report from your findings to Senior Management.
  • May maintain and balance commercial loan holdover accounts monthly.
  • Review the underwriting of tax returns and financial statements as presented in the loan presentation.
  • 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

Additional Responsibilities:

  • Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of CCB.
  • 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 OnCourse training courses within assigned time frame(s).
  • All employees are accountable for compliance with applicable laws and regulations when performing their job duties.
  • Each employee is expected to participate in required training to become familiar with the legal and regulatory requirements affecting his or her job responsibilities. It is the affirmative duty of each employee to always carry out these responsibilities in a manner that complies with all applicable legal and regulatory requirements, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
  • Represent 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.
  • Regular and predictable attendance to accomplish assigned job duties.
  • Additional duties as requested or assigned.
About You:

Required education and experience/qualifications:

  • Undergraduate diploma or equivalent.
  • Banking experience in commercial banking/commercial loan servicing/commercial documentation.
  • Tax analysis experience.
  • Ability to multi-task and handle complex tasks efficiently.
  • Strong written and verbal communication skills to maintain quality customer service.
  • Strong organizational skills.
  • Strong analytical skills.
  • Strong attention to detail.
  • Excellent customer service experience.
  • Working knowledge of Word, Excel, and other basic office equipment

WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level

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 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.

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, Paid Time Off (PTO) and holidays. 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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