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Credit Analyst
Glacier Bancorp
Denver, CO, United States
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Description
Summary:
The Credit Analyst will be responsible for underwriting new and renewing commercial loan requests. In narrative format, the Credit Analyst will prepare the loan presentation with the assistance of the lending officer and support the recommendations with financial spreadsheets that include a complete financial analysis.
The Credit Analyst will not only perform financial statement analysis, but will review and analyze other credit related information and materials. The Credit Analyst will be expected to understand the bank’s policies and procedures and underwrite all loan requests in compliance with them.
Primary Duties/Responsibilities:
• Underwrites new and renewing commercial loan requests including, but not limited to real estate, construction, commercial and industrial, and SBA 7A and 504 loans.
• Prepares financial statement analysis and analyze related materials including accounts receivable and payable agings, information from credit bureaus and industry related websites.
• Understands and applies the bank’s policies and procedures and underwrite all loan requests in compliance with them.
• Assists lending officer in preparing loan presentation to present to Loan Committee.
• Joins lending officer in meetings with existing and prospective bank customers.
• Performs job functions in compliance with all company policies, federal and state rules and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC, and GLBA/privacy rules.
• Other duties as assigned
Requirements
Qualifications:
• Undergraduate degree in business, finance, or economics preferred;
• One to three years of commercial credit analysis experience preferred;
• Ability to read and understand individual and business tax returns, audited or reviewed financial statements, and company prepared profit and loss statements, balance sheets, and statement of cash flows preferred;
• Must be able to effectively communicate using the written format;
• Must be willing and able to master a proprietary underwriting system;
• Must have the ability to function without daily oversight; must be self-motivated and self-disciplined;
• Must have excellent organizational skills to manage the underwriting of several loans concurrently;
• Must be proficient in Microsoft Word and Excel;
• Must be willing and comfortable to join lending officers in meetings with existing or prospective bank customers, when necessary;
• Must be able to multi-task, be flexible, and able to function with frequent interruptions