Credit Analyst 2 (Exempt) - First Community Bank Utah

Fantastic opportunity to join our Layton Hills Credit team!  Review documentation for Commercial Loan applications and perform thorough analysis of financial and credit information to determine viability of request within the parameters of established policies and procedures and applicable regulatory guidance. Analyze balance sheets, personal financial statements, tax returns, income statements, cash flow statements, and other information using trend, ratio, leverage, projection, and stress techniques to determine adequacy of repayment sources. Review appropriate documents to determine viability of proposed collateral, including appraisals and other evaluations, leases, title reports. Take the lead with the analysis of large and/or complex credits.

DUTIES AND RESPONSIBILITIES:

• Perform thorough analysis of all credit, financial, and cash flow information to determine viability of repayment for all commercial loan requests
• Determine Borrower and Guarantor character and creditworthiness utilizing information from various sources, including personal and business credit reports, legal forums, publications, and internet sources.
• Assess and determine repayment ability of all borrowers and guarantors, and from a global perspective through in-depth analysis of tax returns and financial statements, including balance sheet, income statement, direct and indirect cash flow statements, using trend, cash flow, ratio, leverage, and projection analysis, which includes stress testing cash flow using various criteria such as changes in interest rate and vacancy.
• Review documentation to determine viability and adequacy of collateral including methods of valuation such as conforming appraisal reports, environmental studies, title reports, UCC searches, leases, and industry and market data, demonstrating an understanding of appropriate methodologies.
  
• Review and analyze other legal documents such as wills, trusts, corporation articles and by-laws, partnership agreements, and other information as necessary to fully underwrite the loan.
• Complete Credit Presentation in a timely manner for submission to Commercial Credit Administration and/or Commercial Loan Committee. Credit Presentation should contain all information necessary for Approving Officers to make an informed recommendation, including Borrowing Cause, Borrower structure and background, all repayments sources, financial statement analysis, collateral analysis, identification of all repayment sources (primary, secondary, and tertiary) analysis of risks to repayment, mitigating factors, recommendation for loan structure, pricing, repayment terms, loan risk grade, and covenant / annual review requirements.
• Possess thorough knowledge and understanding of Loan Policy and related Procedures and appropriate regulatory guidance.
• Assist Loan Officers by performing Annual Reviews of existing loans in accordance with established policies and procedures.
• Regular and predictable attendance in order to accomplish, among other things, in-person contact with customers.
• Adheres to all Bank Code of Conduct standards. Performs duties in compliance with regulatory requirements including, but not limited to, the Bank Secrecy Act.
• Other duties as assigned

QUALIFICATIONS: 

Please note: Selected candidate will be placed in a level II or III according to required related experience.

• Bachelor’s degree from an accredited institution in business, finance, economics, or related field. Or, 2+ years applicable relevant experience.

Level II

• 2 – 4 years of related experience (including preparatory experience)

Level III 

• 5 – 8 years of related experience (including preparatory experience)

KNOWLEDGE, SKILL, ABILITY:

• Strong interpersonal skills, obtaining cooperation and agreement on important outcomes via frequently complex, senior level dialogue, as well as a professional level of communication
• Able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
• Ability to make sound decisions, build relationships and work with a variety of clients, employees, and management.
• 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 capable of exercising highest level of discretion on both internal and external confidential matters.
  Ability to maintain a well-organized and efficient workflow

WORK ENVIRONMENT: Primarily at a desk, with occasional local travel

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: stand, walk, and lift/reach/indicate with hands and arms, and talk or hear / listen. The employee is occasionally required to: sit, use hands in repetitive motions to finger, grasp, handle or feel.

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: Occasionally may require lifting of up-to 10 lbs.

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.

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.