Credit Analyst: Financial Analysis & Lender Support

Stockman-Bank-of-Montan; Kalispell (MT); On-site; USD 55,000 - 75,000; Full time

Job summary

Stockman Bank of Montana is seeking a Credit Analyst in Kalispell, MT. The role supports Commercial Lenders by analyzing financial statements, preparing forecasts, and aiding in developing client relationships to expand market share.

This position also acts as a lender trainee and collaborates with bankers on credit decisions. The candidate should have a 4-year business-related degree, strong communication, and 3–5 years of credit analysis experience, with knowledge of GAAP and lending

Qualifications

• This position requires a 4-year college level course of study in Business Administration and/or related field experience.
• Strong communication and organizational skills are essential.
• Must be able to work independently and to prioritize multiple tasks.
• 3-5 years of Credit Analyst experience.
• Knowledge of financial statement and cash flow analysis; basic GAAP knowledge.
• Familiarity with lending contracts and the Uniform Commercial Code related to lending and collateral.

Responsibilities

• Assist Lenders in analyzing existing and new customer credit requests.
• Coordinate the request/receipt of business and personal financial statements with Lenders and Loan Processor.
• Coordinate timely spreading of financial statements with Credit Analysis.
• Analyze statements to identify strengths/weaknesses and questions for the client.
• Prepare financial forecasts/pro-forma in consultation with Lenders to assess borrower capacity.
• Prepare financial analysis documentation for review and approval by Lenders.
• Review file documentation for completeness and correctness per guidelines and process procedures.
• Manage annual credit reviews and file comments.
• Research real estate comps for Bank Evaluations on collateral.
• Monitor existing credits for collateral review and loan covenant compliance.

Skills

Strong communication

Organizational skills

Independent work

Prioritize multiple tasks

Attention to detail

Written and verbal communication

Team player

Loan processing experience

Lending procedures knowledge

GAAP knowledge

Financial statement knowledge

Education

4-year college degree in Business Administration or related field

Tools

Lending software

Job description

Stockman Bank of Montana is seeking a Credit Analyst in Kalispell, MT. The role supports Commercial Lenders by analyzing financial statements, preparing forecasts, and aiding in developing client relationships to expand market share.

This position also acts as a lender trainee and collaborates with bankers on credit decisions. The candidate should have a 4-year business-related degree, strong communication, and 3–5 years of credit analysis experience, with knowledge of GAAP and lending