Credit Analyst Senior

Gbcijobs; Boise (ID); On-site; USD 75,000 - 110,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

401(k) Plan

Paid Time Off

Employee Discounts

Education & Training Benefits

Retirement Savings Plan

Job summary

Mountain West Bank in downtown Boise seeks a Senior Credit Analyst to support commercial underwriting and portfolio management. You will analyze complex financial data, prepare authorizations, conduct reviews, evaluate collateral, and coach team members.

The role engages with Commercial Relationship Managers and Credit Analysts, offering growth in a collaborative banking environment with strong emphasis on risk management.

Qualifications

• Bachelor’s degree in Accounting, Finance, or related field.
• 4+ years of credit analyst experience in banking.
• Knowledge of GAAP and financial analysis.
• Proficient in Microsoft Word and Excel.
• Strong written and verbal communication skills.
• Excellent customer service, organization, and attention to detail.

Responsibilities

• Spread and analyze complex borrower financial statements, tax returns, and related financial information.
• Perform advanced ratio, trend, and cash flow analysis.
• Assist in evaluating borrower repayment capacity, guarantor strength, and collateral adequacy.
• Support preparation of credit memorandums, loan presentations, and approval packages.
• Assist with annual credit reviews and ongoing portfolio monitoring.
• Maintain accurate, organized, and compliant credit files.

Skills

Financial analysis

Communication

Confidentiality

Attention to detail

Education

Bachelor’s degree in Accounting/Finance

Tools

Microsoft Word

Microsoft Excel

Job description

About The Role

Love Where You Work!

At Mountain West Bank, our employees love where they work! Our employees describe our culture as one that promotes having fun at work and being one big happy family. We take every opportunity we can to recognize and appreciate our employees, not only on designated days, but all throughout the year. We love investing in our employees whether it be in the form of our generous 401(k) contributions or our robust training programs. We also love volunteering in our communities and love delivering the unexpected not only to each other but to our customers and the community.

Love Where You Live!

We love where we live, and we try to make our communities a little better, both individually and as a team. We strongly encourage all our employees to give back to the community in which they live and we even pay them to do so.

Do you have a desire to make your city a better place to live? We just might be able to help you do it.

A Strong Foundation

Mountain West Bank operates exclusively in the state of Idaho serving Bonners Ferry, Ponderay, Sandpoint, Coeur d'Alene, Post Falls, Hayden, Boise, Meridian, Eagle, Nampa, Hailey and Ketchum. We are one of 17 division banks under the Glacier Bancorp umbrella. Glacier Bancorp, Inc. is a community banking organization with assets greater than $29 billion, operating in banking offices across eight western states: Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, Nevada, and Texas. Since 2015 we have been recognized as one of America’s Best Banks, America’s Best-In-State-Companies (top holding company), one of America’s Best Employers By State, one of America’s Most Trusted Companies and one of the World’s Best Banks, according to Forbes Best Banks lists.

Ready to LOVE WHERE YOU WORK?

Mountain West Bank is seeking a Senior Credit Analyst to work in our beautiful downtown Boise location! The Senior Credit Analyst is an advanced-level position responsible for supporting the bank’s commercial credit underwriting and portfolio management functions. Under the direction of the Commercial Underwriting Manager and Commercial Analyst Team Lead, this role analyzes complex financial data, prepares credit authorizations, conducts commercial credit reviews, evaluates real estate collateral, assists in portfolio management, and coaches team members.

Essential Functions

Credit Analysis

• Independently spread and analyze complex borrower financial statements, tax returns, and related financial information.
• Perform advanced ratio, trend, and cash flow analysis.
• Assist in evaluating borrower repayment capacity, guarantor strength, and collateral adequacy.
• Support preparation of credit memorandums, loan presentations, and approval packages.

Portfolio Management Support

• Assist with annual credit reviews and ongoing portfolio monitoring.
• Track borrower financial reporting and covenant compliance requirements.
• Help identify early warning indicators and elevate concerns to the Commercial Analyst Team Lead or Commercial Underwriting Manager.
• Maintain accurate, organized, and compliant credit files.

Administrative & Compliance Support

• Ensure credit analyses and documentation adhere to bank credit policy and regulatory guidelines.
• Assist with loan reviews, audits, and regulatory examination requests.
• Maintain established service level standards and comply with internal policies, procedures, and applicable banking laws and regulations.

Collaboration & Development

• Work closely with Commercial Relationship Managers, Credit Analysts, and Credit Administration.
• Participate in training and ongoing coaching provided by the Commercial Analyst Team Lead and Commercial Underwriting Manager.
• Develop foundational knowledge of commercial loan structures, underwriting standards, and risk management practices.
• Assist with mentoring less experienced credit analysts as needed.

Other Accountabilities and Responsibilities:

• Regular and predictable attendance is an essential function of this job.

About You

Position Requirements

• Bachelor’s degree in Accounting, Finance, or related field
• 4 or more years of credit analyst experience in banking
• Knowledge of GAAP and financial analysis
• Proficient in Microsoft Word and Excel
• Strong written and verbal communication skills
• Excellent customer service, organization, and attention to detail
• Ability to maintain confidentiality and technical aptitude

Supervisory Scope:

This position doesn’t have any direct reports.

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. The employee may also be required to:

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 lifting abilities required by this job include:

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:

• 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
• discounts on banking products and services
• 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

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.