Senior Credit Analyst

Community bank is seeking well-qualified candidates for the position of Senior Credit Analyst. The Bank of Jackson Hole offers competitive wages and a generous benefits package.

· To apply, please complete an application at www.bankofjacksonhole.com/careers

The Senior Credit Analyst is responsible for underwriting and risk analysis of individuals, companies and industries within the served markets. Performs detailed financial and collateral analysis of credit requests and completes presentations on findings to commercial lenders and senior management. Under the direction of lending managers, the senior analyst is responsible for structuring credit requests, developing complex credit investigations and portfolio monitoring tasks including covenant compliance and annual reviews. Performs research related to projects such as industry studies, management reports and trend analysis. Works with internal business units to ensure prompt loan processing and customer satisfaction.

Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Demonstrate knowledge of and compliance to bank operating policies.

2. Conduct detailed, financial and collateral analysis on credit requests.

3. Research and prepare background documentation including: cash flow projections, personal and business financial statements, industry/market analysis and feasibility of the transaction.

4. Analyze financial information and prepare conclusions for commercial lenders based on factual metrics.

5. Prepare written analysis, spreadsheets, reports, summaries and opinions.

6. Prepare or assist in the preparation of loan memorandum for presentation to lenders and/or loan committee.

7. Interpret and apply Bank credit policies and federal regulatory rules related to commercial and consumer lending.

8. Assist in the development of other analysts.

9. Maintain loan pipeline, coordinate deadlines with lenders, and allocate tasks to the analyst team.

10. Follow all applicable laws and regulations.

11. Participates in client meetings with commercial lenders as required.

12. Perform other duties as assigned to contribute to the overall operations of the Credit/Loan department.

13. Adherence to all bank human resources policies and procedures, federal and state employment laws and regulations.

Competencies

1. Strong financial analytical skills with sound judgment and decision making abilities.

2. Knowledge of personal/business financial statements and tax returns.

3. Ability to work under pressure, prioritize work and meet multiple deadlines working effectively and with flexibility as part of a small team.

4. Must exhibit strong interpersonal skills, initiative, time management, organizational, and confidentiality skills in all facets of the position.

5. Working knowledge of bank policies and procedures.

6. Must have solid PC skills including Microsoft Word, Excel, and ability to learn company systems

7. Written and verbal communications are clear and concise.

8. Treat clients and coworkers with respect, is professional and communicates with diplomacy and tact.

9. Self-motivated and hard working.

10. Actively contribute to a positive team environment.

11. Keep commitments; work ethically and with integrity; uphold bank core values; accept responsibility for own actions.

12. Resolve issues or suggest resolutions to issues in timely manner.

13. Display high reasoning skills with ability to define and resolve problems.

14. Complete work with attention to detail with minimal errors.

15. Use time effectively and efficiently; organize workflow and complete assignments in a timely manner.

16. Effectively manage multiple projects and meet deadlines.

17. Take initiative to solve problems and improve efficiencies and processes within scope of authority.

Preferred Qualifications:

1. Experience working with complex credits

2. Experience working with CRE and C&I credits

3. Completion of formal credit training program

Other Responsibilities

1. Participate in or assist with bank wide initiatives and programs.

2. Abide by all safety rules set forth by the bank and regulatory agencies.

3. Perform all other duties, projects, and responsibilities assigned by the Chief Credit Officer or any of their designated representatives.

Supervisory ResponsibilityThis position requires supervision of the analyst team under the direction of the Chief Credit Officer. Responsibilities include task delegation, assist in performance evaluation of other analysts, development of new analysts and day to day mentoring.

Work EnvironmentThis job operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, fax machines and adding machines.

Physical DemandsWhile performing the duties of this job, the employee is regularly required to see, talk, hear, sit, stand, walk, bend, exercise manual dexterity and reach with hands and arms.

Position Type/Expected Hours of WorkThis is a full-time position. Regular days and hours of work are Monday through Friday; scheduled hours are 8:00 am through 5:00 pm. The employee must work a minimum of 30 hours each week to maintain full time status.

TravelNo overnight travel is expected for this position.

Required Education and Experience

1. Bachelor’s degree in Business Administration/Accounting/Finance or related field preferred with a minimum of 5 years of related accounting, lending or credit analysis experience.

EEO StatementIt is the policy of Bank of Jackson Hole to afford equal opportunity in all phases of employment without regard to an individual’s race, color, creed, religion, gender, national origin, age, disability, marital status, ancestry, sexual orientation, unfavorable military discharge for qualified individuals with disabilities, and for qualified disabled veterans and veterans of the Vietnam era, to the extent required by applicable local, state and federal law.

Other DutiesPlease note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Job Type: Full-time

Pay: $85,000.00 - $90,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Disability insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• 8 hour shift
• Monday to Friday

Ability to Commute/Relocate:

• Jackson, WY 83001 (Required)

Education:

• Bachelor's (Preferred)

Experience:

• accounting, lending or credit analysis: 2 years (Required)