Credit Manager

Wyoming, Cody Cody USA
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About the Role

First Bank’s commercial banking is an industry leader in supporting small to mid size businesses with financial needs. We support the community banking model by meeting and exceeding the needs of the entrepreneurs and business owners in our community. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial goals.

Credit Analysts at First Bank work with lenders to manage loan requests and utilize excellent credit skills to work independently on the requests assigned to them. As an analyst you will diligently manage and appropriately assess the risk in the loan applications and existing portfolios (i.e. renewals, modifications, managing the credit metrics), and meeting customer deadlines. You will be a partner to an active team of Commercial Bankers located across the First Bank division of Glacier Bank striving to balance sales and credit quality goals. You will be an expert advisor to the Bankers on structuring and Credit Policy. You will be looked upon as a leader within and outside of Underwriting; providing depth to the local credit leadership team and serving as a mentor to less experienced underwriters and bankers.

DUTIES AND RESPONSIBILITIES:

  • Structuring transactions by being open minded, creative and thinking from the standpoint of "how can we do this deal" while balancing the risk/reward rather than concluding immediately that the deal cannot be done. Additionally, you will provide ideas/suggestions on how to market our structure to the customer. Demonstrating excellent communication skills both internally and externally and using those communication skills to effectively solve problems.

  • Utilizing excellent credit skills to author well thought out and concise analysis of relationships using appropriate structure and identifying key risks associated with clients, transactions and industry trends. Be knowledgeable of cash flow, both traditional and historical analysis including Uniform Credit Analysis formats. Prepare, in written form, a presentation of the borrower’s loan request as outlined in First Banks loan policy.

  • Managing your loan request pipeline, acting with a sense of urgency and determination in closing transactions. Analyze financial statements and prepare comments regarding the borrower’s ability to repay (including financial condition and operating performance).

  • Demonstrating excellent communication skills both internally and externally and using those communication skills to effectively solve problems. The ability and courage to voice your opinion in a clear, concise manner and to defend that position.

  • Having the ability to quickly and accurately evaluate smaller relationships to determine if the risk profile is acceptable and recommend simple structures that adequately protect the bank while not over engineering the transaction.

  • Working proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving. Work in partnership with the Bankers to develop fulsome customer relationships including being looked to as the go to person when the banker is out.

  • Managing and supervising staff along with training the lending staff. Providing leadership in the market by being a positive contributor to the team including: being a mentor to less experienced team members and embracing change.

  • 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. Must complete the assigned online training courses and achieve a passing score by due date.

About You

QUALIFICATIONS:

  • A BS/BA degree or higher in business administration, economics, accounting, finance, or other business related field
  • Experience of credit analyst/underwriting.
  • Significant training and knowledge in the principals of accounting, finance and macro economics including knowledge of generally accepted accounting principles
  • Experience in commercial banking/lending which might include credit, structuring and marketing experience
  • Knowledge and understanding of risk analyst Software/programs
  • Intermediate Microsoft Office (Word, Excel, Outlook, and PowerPoint) skills
  • Knowledge and understanding of asset based lending, commercial lending to include collateral exam.
  • Strong organizational, multi-tasking, and prioritizing skills
  • Ability to work in a fast paced deadline driven environment

KNOWLEDGE, SKILL, ABILITY:

  • Strong familiarity with business and personal tax returns
  • Familiarity with financial analysis tools and collateral evaluation
  • Excellent time management and multi-tasking skills
  • Strong analytical skills
  • Strong written and verbal communications skills
  • Communicate effectively with people across diverse professional backgrounds
  • Experience as a credit analyst in a banking environment or as a lender with underwriting responsibilities
  • Underwriting and documenting renewals and modifications to existing portfolio transactions as well as new prospective transactions
  • Knowledge and understanding of asset based lending or commercial lending.
  • Experience preparing formal approval memorandums and conducting diligence and compliance related tasks, including background checks and BSA requirements

WORK 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: Perform primarily sedentary work with limited physical exertion and occasional 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.

What We Offer

COMPENSATION & BENEFITS: Salary is dependent upon relevant experience. We offer an extensive benefits package that includes, but is not limited to, flexible health coverage options: medical/dental/vision (partially employer paid with competitive premiums), health rewards program, possible employer contribution to a Health Savings Account, Employee Assistance Program (EAP); life insurance; 401K retirement plan with immediate vesting (up to 3% employer match, 3% automatic employer contribution, and profit sharing); discounted banking products and services; paid vacation/sick days, and paid holidays.

COMPANY OVERVIEW: At Glacier Bancorp, our employees are our most valuable asset. We seek qualified individuals who enjoy people, are innovative and eager to learn. We are dedicated to providing opportunities for personal advancement and professional growth by investing in the tools and training needed to build a personalized career path for you.

Glacier Bancorp, Inc. is a regional bank holding company headquartered in Kalispell, Montana with assets greater than $11 billion, operating in numerous community bank divisions across 7 states (Montana, Idaho, Utah, Washington, Wyoming, Colorado and Arizona). We pursue a community banking philosophy, emphasizing personalized service combined with the full resources of a large banking organization. Over the years, Glacier Bancorp has received numerous awards for stability and soundness, and has repeatedly ranked among the top 10% in the nation for financial strength.

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, age, 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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