Credit Analyst

About The Role

Seeking an EXPERIENCED Credit Analyst to join our One Big Happy Little Bank . This position is primarily responsible for gathering and analyzing credit information on current and potential borrowers; provides data to determine the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests. Assists Lenders by ordering appraisals and evaluations and submits related invoices for payment.

The pay range for this position is $26.25 - $28.25 per hour. 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.

Bank Happy. Work Happy. Right Here.

DUTIES AND RESPONSIBILITIES :

• Inputs customer financial information into computerized spreadsheets and generates reports that depict financial trends and ratios.
• Analyzes credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Prepares reports that include the degree of risk involved in extending credit or lending money.
• Analyze financial data such as income growth, trends, quality of financial management, and market share to help determine expected profitability of loans.
• Evaluates customer records based on earnings, savings data, payment history, and purchase activity. Confers with CPAs and borrowers, when cleared by Lender, to understand financial information submitted for loan requests.
• Generates financial ratios, including debt service coverage ratios, using computer programs, to evaluate customers' financial status.
• Works with Loan Officers to prepare loan requests for Loan Committee review, when requested
• Serves as liaison between lenders and appraisers. Orders appraisals and evaluations, forwards appraisals and evaluations to Lenders when complete and submits invoices for payment.

Additional Responsibilities

About You

QUALIFICATIONS :

KNOWLEDGE, SKILL, ABILITY :

Professional appearance and attitude.

including calculators, typewriter, printer, and telephone.

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 lifting abilities required by this job include : The employee is constantly required to stand and walk. Exerting up to 25 pounds of force occasionally, and / or up to 10 pounds of force frequently, and / or a negligible amount of force constantly to move objects. If the use of arm and / or leg controls requires exertion of forces greater than that for sedentary work and the worker sits most of the time, the job is rated for light work.

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.

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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.