Credit Analyst II

POSITION SUMMARY:

Analyzes credit data to estimate the degree of risk involved in extending credit or lending money to firms or individuals. Examines, evaluates and assists in the preparation of loan Credit Authorizations for approval. Provides lending support to Loan Officers and may also assist in the loan support process as needed to ensure timeliness of loan document preparation. This position requires good customer service skills, a positive attitude, a high level of accuracy, and the ability to work in a team atmosphere. This individual must be a self-motivator and focused, have a technical capacity, be thorough, communicate proficiently, and hold confidentiality in the highest regard. This is an in-person position in order to complete the assigned tasks and provide accurate and efficient customer service. This is not a remote or hybrid position.

Essential Duties and Responsibilities include the following:

• Assist Account Officers in obtaining complete loan application packages and creating new loan records in the nCino LOS platform
• Enter nCino Relationships for Borrower(s), Guarantor(s), and entity information with accuracy, consistency, and completeness
• Upload and enter financial statements, tax returns, and interim financials into nCino
• Input spreads of financial statements, tax returns, and other supporting information, on new and renewing loans using the nCino LOS platform
  • Perform comprehensive credit analysis of consumer and/or commercial borrowers, including financial statements, tax returns, cash flow analysis, global debt service coverage, and collateral evaluation
  • Analyze borrower creditworthiness, industry risk, repayment capacity, and guarantor strength in accordance with credit policy and industry standards
  • Identify potential questions & risks to Account Officer's to assist with loan qualification
• Verify accuracy of key ratios and data feeds used in credit analysis
• Work with Account Officer's to obtain and review third party reports such as title commitments, UCC filings, environmental reports, appraisals, flood insurance; must review for accuracy
• Under the Account Officer's or Credit Administrator's guidance, assist in the preparation of loan Credit Authorizations and or Adverse Action process
• Obtain credit reports, as needed, on the business (s) and personal guarantors
• Assist in Annual Term Loan Reviews (ATLR's) including updating financial spreads, cash flow modules, risk ratings, rate shock tests, financial reporting placeholders, collateral inspections, etc.
• Assist Account Officers in contacting bank customers for requesting financial statements and tax returns and any other financial documentation to complete a loan package and/or annual financial reporting covenant requirements
• Ensures the adherence to company policies, procedures and regulatory compliance

Additional Duties and Responsibilites may include the following:

• Assist with appraisal ordering process
• Assist with initial underwriting and loan documentation
• Assist with portfolio management related to periodic loan reviews
• Support testing, enhancements, or rollouts of new nCino features or credit workflows
• Assist with gathering information for Monthly and Quarterly Loan Reports, as needed
• Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of Heritage Bank of Nevada
• Other duties as assigned

SUPERVISORY RESPONSIBILITES: None, but under the Credit Administrator's guidance this position may assist in providing training to a new Credit Analyst 1.

COMPLIANCE WITH THE BANK SECRECY ACT AND ANTI-MONEY LAUNDERING PROGRAM:

The Bank Secrecy Act intends to safeguard the U.S. Financial system and the financial institutions that make up that system from the abuses of financial crime, including money laundering, terrorist financing, and other illicit financial transactions. The Board of Directors is committed to complying with both the spirit of the regulations and the letter of the law. All employees are expected to understand and comply with all aspects of the BSA and to perform their job duties in accordance with Bank BSA policies and procedures. Employees who willfully violate the BSA may be subject to both civil and criminal penalties and termination of employment.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

• 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
• Willing and comfortable to join commercial loan officers in meetings with existing or prospective bank customers, when necessary
• Intermediate capabilities using Microsoft Word, Excel, and other basic office equipment
• Ability to analyze technical financial spreads and translate them into clear, well-reasoned credit narratives that explain their meaning, trends, and impact on primary and secondary repayment sources
• Communicate effectively both verbally and in writing with others in a clear, thorough and timely manner
• Exhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the bank in a positive manner and maintain credibility with others
• Maintain strict confidentiality regarding any information obtained during the course of performing job duties; adhere to Bank policies and procedures regarding confidentiality
• Ability to organize, analyze and interpret data to explain complex irregularities or trends

EDUCATION and/or EXPERIENCE

• Bachelor's degree (B.S.) in Business, Finance, or Accounting from a four-year college or university is preferred with 2 years of direct or related experience
• nCino experience preferred but not required

HEARING COMMUNICATION SKILLS

Ability to perceive and exchange information accurately in person and through electronic communication methods, including telephone and video conferencing. Ability to detect and respond to auditory signals and spoken communication in a typical office environment.

MATHEMATICAL SKILLS

Ability to apply intermediate to advanced mathematical concepts to analyze financial data/ statements in support of commercial and consumer lending decisions. This must include the ability to support sound credit decisions.

REASONING ABILITY

Ability to apply strong analytical and critical thinking skills to evaluate complex financial information; interpret credit reports, financial statements, and loan documentation; identify risk factors; and make sound, data-driven recommendations. Ability to exercise judgment, prioritize competing tasks, and solve problems in a dynamic lending environment.

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 essential functions.

While performing the duties of this job, the employee is frequently required to sit and use hands to operate a computer. The employee is occasionally required to stand, walk, reach with hands and arms, climb or balance, stoop, kneel, crouch, crawl and talk or hear. The employee must occasionally lift and move up to 20 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus. Ability to read and review printed and electronic documents.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.

The noise level in the work environment is usually quiet. It may sometime rise to the level of moderate.

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. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details. 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.