Credit Analyst II

Foothills Bank; Idaho Falls (ID); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Paid Time Off

401(k)

Job summary

Foothills Bank in Idaho Falls is seeking a detail‑oriented Underwriter/Analyst to review and analyze loan documentation, assess vesting, appraisals, and tax returns, and ensure filings are complete.

You will prepare monthly reports for Senior Management, monitor file maintenance, and ensure compliance with BSA, Patriot Act, and OFAC while delivering accurate financial analysis and strong customer service.

Qualifications

• 3–5 years of banking underwriting and financial analysis responsibilities.
• Bachelor’s degree in Business, Finance, or Accounting is preferred.
• Tax analysis experience.
• Strong written and verbal communication skills.

Responsibilities

• Review and analyze loan documentation to ensure files are complete and accurate.
• Verify information such as title commitments, UCC filings, environmental reports, appraisals, and tax documentation.
• Review loan documents for vesting, legal descriptions, dates, and signatures.
• Prepare monthly reports from findings for Senior Management.
• Ensure compliance with applicable laws including BSA, Patriot Act, and OFAC.
• Maintain regular, on-site attendance during standard business hours.

Skills

Financial analysis

Analytical skills

Attention to detail

Communication

multitasking

Education

Bachelor’s degree in Business/Finance/Accounting

Tools

Word

Excel

Job description

About The Role

Duties and responsibilities:

• Review and analyze documentation checking off items as they are received to ensure files are completed.
• Verify information needed such as title commitments, UCC filings, environmental reports, appraisals, flood insurance and look over the correct tax documentation for underwriting; must review for accuracy.
• Review loan documents; ensure proper vesting, legal descriptions, dates, signatures, etc.
• Track and follow up on maintenance of files including but not limited to: rate and payment changes, automatic payment, online banking, insurance, UCC renewals, financial statements and tax returns, corporate verification of status, inspections, etc.
• Make sure loan files are monitor correctly and suggest changes to be made and make sure they are accurate.
• Confirm all loans booked have the proper approvals and signatures in the loan file.
• Prepare monthly report from your findings to Senior Management.
• May maintain and balance commercial loan holdover accounts monthly.
• Review the underwriting of tax returns and financial statements as presented in the loan presentation.
• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control
• Regular, on-site attendance during standard business hours is required to perform the duties of this position.
• Regular and predictable attendance in order to accomplish assigned job duties
• Additional duties as assigned.

Additional Responsibilities:

• Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of CCB.
• Provide superior internal and external customer service: must demonstrate self-governance, courtesy, and respect toward external customers as well as internal customers (all organization personnel).
• Complete required bank and OnCourse training courses within assigned time frame(s).
• All employees are accountable for compliance with applicable laws and regulations when performing their job duties.
• Each employee is expected to participate in required training to become familiar with the legal and regulatory requirements affecting his or her job responsibilities. It is the affirmative duty of each employee to always carry out these responsibilities in a manner that complies with all applicable legal and regulatory requirements, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Represent in a professional manner which includes a professional image, confidentiality, a positive can-do attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs.
• Keep work area tidy and maintain customer privacy.

About You

Required education and experience/qualifications:

• 3-5 years of banking experience with underwriting and financial analysis responsibilities.
• Bachelor’s degree in Business, Finance, or Accounting is preferred.
• Tax analysis experience.
• Ability to multi-task and handle complex tasks efficiently.
• Strong written and verbal communication skills to maintain quality customer service.
• Strong organizational skills.
• Strong analytical skills.
• Strong attention to detail.
• Excellent customer service experience.
• Working knowledge of Word, Excel, and other basic office equipment

WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.

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 the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

What We Offer

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.

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.