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First Security Bank of Missoula · 2 hours ago

Credit Analyst II

Missoula, MT

Full-time

Onsite

Entry, Mid Level

2+ years exp

First Security Bank of Missoula is seeking a Credit Analyst II who will be responsible for analyzing financial data and preparing thorough analyses for credit authorizations and portfolio management. The role requires strong knowledge of credit underwriting practices and collaboration with the Commercial Lending Team to ensure timely and accurate underwriting.

BankingFinancial ServicesSecurity

No H1B

Responsibilities

Complete comprehensive financial analysis for both current and prospective clients by completing financial spreads or other financial methodologies accepted by the bank

Independently analyze more complex financial statements and tax returns and develop and convey questions/comments pertaining to financial trends and relevant borrower/industry data

Maintain extensive knowledge of lending policies, procedures, and practices of the bank

Provide project level support (Lead or Assist) to continuously improve the operations of the team and bank. May serve as a mentor/trainer to junior analysts, and provide coaching, when necessary, to develop the team

Perform annual term loan reviews when requested. Assist in keeping the annual term loan review tracking up to date. Monitor compliance with loan agreement covenants associated with all loans with each review

Provide support in the preparation of Problem Loan Reports as requested

Conduct credit investigations when necessary. Work with Commercial Loan Officer in monitoring customer accounts and loan portfolios to detect changes that might affect their credit standing

Work collaboratively with Commercial Loan Officers to manage customer relationships and loan portfolios. May be asked to accompany Commercial Loan Officers on sales calls/customer calls

Recommend to Commercial Loan Officer approval and/or changes in new or existing credit lines

Produce high-quality financial analysis in a generally acceptable amount of time. Acceptable time is to be determined based on nature of request and will be monitored by Underwriting Manager (UM) or other similar

Ensure accuracy in each underwriting product with an error rate satisfactory to UM or similar

Lead or heavily contribute to the successful completion/implementation of a project either self-identified (and approved by manager) or directed by direct manager on a yearly basis

Complete 1-2 self-identified (and approved by manager) or directed professional development opportunities per year

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. Maintain strict confidentiality of customer’s personal and financial information

Develop and improve skills through training programs and regular feedback discussions with supervisors which help further professional development. Participate in all training sessions and complete all assigned OnCourse training courses and achieve a passing score by due date

Adhere to First Security Bank’s core values; represent the bank in a professional manner which includes a professional image, confidentiality, positive ‘can-do’ attitude, good attendance, punctuality, flexibility, and adaptability in meeting internal and external customer needs

Display excellent customer service with both internal and external clients. Embody First Security Bank’s “Welcome” tenets: Warm - Demonstrate warmth; be genuine and approachable Engage - Engage with teammates and customers; be present in every interaction Listen - Actively listen to employees and clients Connect - Build relationships, connect with the community and teams Opportunity - Seek out opportunities to serve others Modify - Modify your approach to meet employees and clients where they are; style-flex and adapt as appropriate Experience - Create a true experience for the client by providing exceptional customer service on their financial journey

Must be capable of regular, reliable, and timely attendance to accomplish essential job functions including in-person contact with internal and external customers

Support Community Reinvestment Act (CRA) through business development efforts

Position performs other duties as needed/assigned

Qualification

Credit underwriting practicesFinancial analysisP&LBalance Sheet ratiosBanking compliance regulationsMicrosoft applicationsCustomer serviceProfessionalismEthical behaviorQuality managementPlanningOrganizationJudgment/problem solvingMathematical skillsAnalytical thinkingNetworkingTeamworkConfidentialityAdaptabilityNegotiation

Required

Two to four years of similar or related experience to include preparatory experience

A bachelor's degree in business, accounting, finance, or related field is required

Must possess current, valid driver's license

Knowledge of banking compliance regulations and guidelines related to area of responsibility

Working knowledge of standard office equipment

Skills in areas related to computer operation/use including working knowledge of Microsoft applications and ability to learn new systems/applications

Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques

Demonstrate soft phone skills by treating all internal and external customers in a polite and courteous manner

Customer Service: We are community inspired and pride ourselves on offering exceptional service to both our internal and external customers

Teamwork: Demonstrate ability to work independently and as part of a team

Professionalism: Exhibit a professional manner in dealing with others

Ethical Behavior: Model high standard of honesty, integrity, trust, and openness

Confidentiality: Maintain strict confidentiality regarding any information obtained during performing job duties

Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives

Adaptability: Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude

Planning and Organization: Prioritize, organize, and plan work; use time efficiently; and achieve results within time frames

Judgment/Problem Solving: Display ability and willingness to make sound decisions

Individual Responsibility and Accountability: Accept responsibility for own work performance

Mathematical Skills: Ability to apply accounting, scheduling, and budgeting, measurement, and calculation math skills associated with lending activities for purposes of data analysis

Analytical Thinking: Develop feasible solutions based on logical and reasonable assumptions and factual observation

Negotiation: Negotiate with, convince, or influence others to take a course of action to achieve a specific result

Networking: Build networks of useful relationships necessary to achieve positive results