Credit Analyst - Kalispell

Make Choteau Home; Kalispell (MT); On-site; USD 55,000 - 85,000; Full time

Job summary

Stockman Bank in Montana seeks a Credit Analyst to spread and analyze customer financial statements, and prepare forecasts with bankers to assess borrower capacity. The role supports lenders in soliciting and developing profitable relationships to grow market share in the region.

The position requires a 4-year degree in business or related field, excellent customer service, and strong communication with ability to work independently and manage multiple tasks.

Qualifications

• 4-year college course in Business Administration or related field or equivalent experience.
• Excellent customer service skills.
• Strong communication and organizational skills.
• Ability to work independently and prioritize multiple tasks.

Responsibilities

• Assist Lenders by spreading financial statements and analyzing them.
• Prepare financial forecasts with bankers to assess borrower capacity.
• Support bankers in soliciting, developing and maintaining profitable relationships.
• Act as a lender trainee as needed.
• Analyze existing and new customer credit requests with Lenders and Loan Processor coordination.
• Coordinate timely spreading of financial statements with Credit Analysis.
• Review file documentation for completeness and accuracy per policy.
• Monitor annual credit reviews and collateral review as applicable.

Skills

Customer service

Communication

Organization

Independent work

Prioritization

Credit analysis

Financial statement analysis

GAAP knowledge

UCC knowledge

Lending software

Loan processing experience

Attention to detail

Professionalism

Team player

Written communication

Verbal communication

Education

Bachelor's degree in Business Administration

Job description

Position General Responsibilities :

This position assists the Commercial Lender by spreading customer financial statements and analyzing them, identifying customer strengths/weaknesses. In addition they prepare financial forecasts with the assistance of bankers to assist in the assessment of the borrower's capacity. Finally they are responsible for providing support to the banker to assist them in soliciting, developing and maintaining profitable account relationships to increase Stockman Bank's market share in this business. This position will also take on the role of a lender trainee.

Employees Supervised :

None

Education, Experience and Certification Requirements

Note: Only minimum responsibilities are listed. Other responsibilities may be required as requested by management.

Minimum Qualifications

1. 4-year college level course of study in Business Administration and/or financial institution or related field experience or equivalent training and/or experience.
2. Excellent customer service skills.
3. Strong communication and organizational skills.
4. Must be able to work independently and to prioritize multiple tasks.

Specific Skills Preferred

1. 3-5 years of Credit Analyst experience.
2. Attention to Detail- ability to notice and correct errors, document and follow up on important details and provide a high-quality -end-product.
3. Knowledge of financial statement and cash flow analysis, & basic working knowledge of GAAP.
4. Familiarity with legal contracts and the Uniform Commercial Code as related to lending and collateral perfection.
5. Professionalism - maintaining a professional attitude, image, and work ethic.
6. Understanding of and ability to work with lending software with proper training.
7. Team Playing - willingly collaborating and cooperating with others, developing effective working relationships
8. Ability to remain focused and on task and efficiently work unsupervised meeting all deadlines.
9. Written and verbal communication skills - ability to concisely and clearly present critical details.
10. Previous Loan Processing Experience

Position Specific Responsibilities, Duties and Competencies

Analyze and Process:

1. Assist Lenders in analyzing existing and new customer credit requests.
2. Work with Lenders and Loan Processor to coordinate the request/receipt of business and personal financial statements.
3. Coordinate timely spreading of financial statements with Credit Analysis.
4. Analyze statements, identifying customer strengths/weaknesses and questions/concerns to be raised to the client.
5. Prepare financial forecasts/pro-forma statements in consultation with Lenders to assist in assessment of borrower capacity.
6. Prepare financial analysis documentation (i.e. Routine Administration Checklist, Loan Documentation Checklist, Spreads, etc.) in consultation with the Lenders/manager, as appropriate, for review and approval by Lenders.
7. Review file documentation for completeness and correctness, in accordance with Front End Guidance, Credit Policy, and Credit Process Procedures.
8. Manage annual credit review and file comments.
9. Research real estate comps for preparation of Bank Evaluations on collateral.
10. Monitor existing credits for collateral review, interim statement review, loan covenant compliance, etc.

For full description, which includes physical mental demands please see attachment.