Credit Analyst II

Jobtailor; Billings (MT); On-site; USD 70,000 - 90,000; Full time

Job summary

Jobtailor seeks a credit analyst in Billings to evaluate commercial credit information, prepare reports, and underwrite requests. You’ll analyze financials, cash flow, and ratios, supporting relationship managers and ensuring policy compliance.

Requirements include a business/finance degree or 7–9 years banking experience, 1–3 years in a similar role, and strong MS Office skills. The role emphasizes accuracy, organization, and clear communication.

Qualifications

• Bachelor’s degree in business, finance, or related field or 7-9 years banking exp.
• 1-3 years experience in a similar position required.
• Commercial banking experience preferred.
• Strong organization and time management skills.
• Excellent written and verbal skills.
• Proficiency with MS Office Suite (Word/Excel/Outlook/PP).
• Experience with financial spread software.
• Ability to read financial statements, tax returns, balance sheets, P&L.
• Regular attendance; Monday–Friday 8-5 with potential overtime.

Responsibilities

• Collaborate with relationship managers to gather and evaluate credit information.
• Prepare written credit analysis reports covering financial statements and cash flow.
• Review diverse financial statements and supporting documents.
• Prepare financial spreads for commercial, CRE, municipalities, non-profits, individuals.
• Analyze creditworthiness of commercial applicants and guarantors.
• Calculate cash flow, leverage, and liquidity ratios.
• Evaluate collateral and research borrowers and key industries.
• Analyze findings and author comprehensive reports with charts and narrative.
• Evaluate credit quality and suggest risk ratings.
• Underwrite commercial credit requests with limited guidance.
• Ensure compliance with federal regulations and policy.
• Assist with quarterly monitoring reports for classified relationships.
• Complete covenant testing and participate in quality reviews.

Skills

Credit Analysis

Financial Statement Evaluation

Risk Assessment

Commercial Banking Experience

MS Office Proficiency

Education

Bachelor's Degree in Business or Finance

7-9 years banking experience

Tools

Financial Spread Software

Microsoft Word

Microsoft Excel

Microsoft Outlook

Microsoft PowerPoint

Job description

• Collaborate with relationship managers to gather and evaluate commercial credit information
• Prepare written credit analysis reports covering financial statements, cash flow, ratio analysis, credit structure, industry analysis, and risks
• Review and understand diverse financial statements and supporting documents
• Prepare financial spreads for commercial and real estate businesses, municipalities, non‑profits, and individuals
• Analyze creditworthiness of commercial applicants and guarantors
• Calculate cash flow, leverage, and liquidity ratios
• Evaluate collateral and research borrowers and key industries
• Analyze findings and author comprehensive reports using charts, formulas, graphs, and written narrative
• Evaluate credit quality and suggest risk ratings
• Independently underwrite commercial credit requests from streamlined to complex with limited guidance
• Ensure compliance with federal regulations and FIB credit policies
• Assist Relationship Managers with quarterly monitoring reports for classified and criticized commercial relationships
• Complete financial performance metric covenant testing
• Participate in monthly quality control reviews, feedback, and mentoring

Requirements

• Bachelor's Degree in Business, Finance, or related field required OR 7-9 years of banking experience and/or equivalent combination of education and experience required
• 1-3 years experience in a similar position required
• Commercial banking experience preferred
• Strong organization and time management skills
• Excellent written and verbal skills
• Strong analytical and problem‑solving skills
• Proficiency with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint
• Experience with financial spread software
• Ability to understand financial statements, tax returns, balance sheets, profit and loss statements, agings, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, rent rolls, lease agreements, and appraisals
• Regular and predictable attendance required
• Ability to work Monday‑Friday, 8-5, with overtime subject to business need

Core Competencies

Demonstrates expertise in credit analysis, financial statement evaluation, and risk assessment while ensuring compliance with federal regulations. Proficient in preparing comprehensive reports and financial spreads for diverse commercial entities.

Highest-signal resume keywords

• Credit Analysis
• Financial Statement Evaluation
• Risk Assessment
• Commercial Banking Experience
• Microsoft Office Suite Proficiency

Hard Skills

• Credit Structure Analysis
• Cash Flow Calculation
• Ratio Analysis
• Collateral Evaluation
• Financial Spread Preparation
• Covenant Testing
• Underwriting
• Industry Analysis
• Creditworthiness Analysis
• Compliance with Federal Regulations

Soft Skills

• Strong Organization Skills
• Time Management Skills
• Excellent Written Skills
• Excellent Verbal Skills
• Analytical Skills
• Problem‑Solving Skills

Industry Keywords

• Commercial Credit
• Financial Performance Metrics
• Banking Experience
• Municipalities
• Non‑Profits

Tools & Technologies

• Financial Spread Software
• Microsoft Word
• Microsoft Excel
• Microsoft Outlook
• Microsoft PowerPoint