Credit Specialist I, II, or III
Timberline Bank
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Benefits offered by this job
Job summary
Timberline Bank’s Grand Junction (GJ) branch is recruiting for Credit Specialist I, II, or III, depending on banking experience. The role focuses on evaluating creditworthiness for loan applications, assisting with construction draws, and monitoring securities-based loan portfolios.
Strong analytical and communication skills are essential for success. The position is full-time in Administration, with a culture of teamwork and customer-focused service, and offers benefits to full-time employees.
Qualifications
- Bachelor's degree in finance, accounting, economics, or a related field; preferred but not required.
- Obtain/Maintain Credit Analyst Certification.
- Obtain and/or maintain Consumer Compliance Certification.
- Demonstrated proficiency in financial analysis and interpreting financial data.
- Strong verbal and written communication, organizational and time-management skills.
- Must be organized with great attention to detail and maintain confidentiality.
- Ability to multitask and collaborate with cross-functional teams in a fast-paced environment.
- Experience in credit analysis and risk assessment is advantageous.
Responsibilities
- Review customer-provided financials, tax returns and documents for loan applications for completeness and accuracy.
- Evaluate credit risk using credit reports, debt-to-income ratios, and financial metrics.
- Prepare loan request presentations and structure loan terms for approval.
- Utilize Timberline Bank policies and Abrigo loan underwriting system.
- Monitor compliance with consumer regulations and internal controls.
- Assist with construction draw requests and ongoing SBL monitoring.
- Support audit requests and regulatory information needs.
Skills
Education
Tools
Job description
The Timberline Bank GJ branch is hiring to fill one Credit Specialist position. This opening may be filled as either a Credit Specialist I, Credit Specialist II or a Credit Specialist III, depending on the applicant’s prior banking experience and familiarity with banking products and services. Applicants should review all role descriptions and indicate which position they are applying for in their electronic application.
At Timberline Bank, our people are our most valuable asset. We seek qualified employees who enjoy people, are innovative, and who are eager to learn. We, in return, provide opportunities for personal advancement and professional growth. The driving force behind our dedication to providing a "Better, Faster, Easier. -Always." experience is the Timberline Team. From the moment you enter the building, we greet you as a person, not an account number-our belief in the value of exceeding customers' high expectations is what makes Timberline Bank a bank here for our community. Our commitment has been and always will be to provide high-quality personalized customer service. With the Timberline personal touch, the level of customer support is unparalleled. We want to support you and your financial well-being, whether through your personal or commercial needs. Each customer contributes to the success of our small business. TO US, IT IS PERSONAL.
- Exceeding Customers’ High Expectations
- Empowering a Dedicated Team
- Having Fun While Winning
- Passionate About our Communities
- Value Added Resource for our Customers (Trusted Advisor)
This position is a full time non-exempt, non-officer position that requires excellent customer service skills and an ability to multi-task and work well with multiple teams. This position will assess the creditworthiness of individuals and/or businesses applying for loans with Timberline Bank. Assisting with other duties that may include, but are not limited to, managing construction draw requests on existing Timberline construction loans and ongoing monitoring of customer securities portfolios for existing Securities-Based loans with Timberline Bank
- Work closely with Consumer Lenders and Business Bankers to review customer-provided financials, tax returns, and supporting documents provided for a loan application for completeness and accuracy.
- Evaluate credit risk by considering factors such as the applicant’s credit report, payment history, debt-to-income or debt-servicing ratio, and other financial ratios and metrics to gauge the borrower’s ability to repay existing and proposed debt obligations.
- Prepare financial reports for, and collaborate with, Consumer Lenders and Business Bankers to prepare loan request presentations and structure loan terms and conditions for approval.
- This person will be well-versed in Timberline Bank’s Loan Policy, Abrigo (loan underwriting system), and other programs utilized to complete their duties.
- This person should have a basic understanding of consumer compliance rules and regulations as set forth by the regulators and Timberline Bank and the ability to work with our subject-matter experts when complicated issues present themselves.
- Assist with ongoing customer relationship management to monitor and review: Updated financial information.
- Construction Draw Requests (including the ordering and review of inspection reports).
- Investment accounts for the purpose of ongoing SBL monitoring.
- Audit preparation and requests for information for the Bank’s auditors and examiners.
- Perform job functions in compliance with all company policies and federal and state rules and regulations as applicable to the position.
- Under the direction of the Chief Credit Officer and the Chief Risk Officer, draft and maintain appropriate internal controls and policies.
- Actively participate in training sessions and other professional development activities to enhance job knowledge and skills.
- High school diploma or equivalent.
- Prior experience in banking, finance, or credit analysis is preferred but not required.
- Strong analytical skills with the ability to interpret market, project, and financial data accurately.
- Must have strong verbal and written communication, organizational, and time management skills.
- Must be organized and have great attention to detail.
- Maintain strict confidentiality.
- Ability to multitask, manage priorities, and anticipate potential problems before they arise.
- Ability to work effectively in a team environment and collaborate with cross-functional teams in a fast-paced work
- environment.
This position is a full time non-exempt, non-officer position that requires excellent customer service skills and an ability to multi-task and work well with multiple teams. This position will assess the creditworthiness of individuals and/or businesses applying for loans with Timberline Bank. Building upon the foundation of a Credit Specialist I, this position involves more complex analysis, greater decision-making authority, and additional responsibilities in portfolio management and risk assessment. This position will collaborate closely with senior management and lenders to ensure prudent lending practices, regulatory compliance, and credit analysis.
Must be proficient and be able to perform all essential duties and responsibilities of the Credit Specialist I. In addition, this position will:
- Be able to identify credit risks and/or credit deterioration that can be presented for discussion with Consumer Lenders, Business Bankers, and Chief Credit Officer.
- Prepare financial reports for, and collaborate with, Consumer Lenders and Business Bankers to prepare loan request presentations and structure loan terms and conditions for approval.
- Utilize advanced techniques to critique and analyze borrower's cash flow projections and affects of market conditions on the borrower's financial condition and potential stress-testing scenarios.
- This person will be well-versed in Timberline Bank's Loan Policy, Abrigo (loan underwriting system), and other programs utilized to complete their duties, while providing guidance and mentorship to Credit Specialist I's on policies and procedures.
- This person should have a strong understanding of consumer compliance rules and regulations as set forth by the regulators and Timberline Bank and the ability to work with our subject-matter experts when complicated issues present themselves.
- Perform job functions in compliance with all company policies and federal and state rules and regulations as applicable to the position.
- Under the direction of the Chief Credit Officer and the Chief Risk Officer, draft and maintain appropriate internal controls and policies.
- Actively participate in training sessions and other professional development activities to enhance their own job knowledge and skills, and those of a Credit Specialist I.
- Cross train with the construction draws team to process and approve consumer and commercial draw requests.
- Detect suspicious and fraudulent loan applications.
- Lead or assist with projects that consist primarily of credit administration issues.
- Update Internal Controls and prepare and present appropriate training.
- Duties may be expanded on as experience and professional goals are achieved.
- Bachelor's degree in finance, accounting, economics, or a related field is preferred but not required.
- Obtain/Maintain Credit Analyst Certification.
- Obtain and/or maintain Consumer Compliance Certification.
- Demonstrated proficiency in financial analysis, including the ability to interpret complex financial statements and assess credit risk.
- Strong analytical skills with the ability to interpret market, project, and financial data accurately.
- Must have strong verbal and written communication, organizational, and time management skills.
- Must be organized and have great attention to detail.
- Maintain strict confidentiality.
- Ability to multitask, manage priorities, and anticipate potential problems before they arise.
- Strong problem-solving skills and ability to work effectively independently and in a team environment to collaborate with cross-functional teams in a fast-paced work environment.
This is a non-exempt, full-time position that requires excellent customer service skills and an ability to work well with a team. This position will assume a senior-level role within the Credit Specialist Team, and be responsible for overseeing complex credit evaluations, providing leadership and guidance to junior analysts, and contributing to strategic decision-making related to credit risk management. Leveraging extensive experience and expertise in credit analysis, this position will play a critical role in ensuring the soundness of lending decisions, maintaining portfolio quality, and supporting Timberline Bank’s overall financial objectives
- Must be proficient and be able to perform all essential duties and responsibilities of the Credit Specialist I. In addition, this position will:
- Lead the assessment of credit risk for large and complex loan transactions.
- Conduct in-depth financial analysis, evaluating historical performance and projected cash flows, collateral, and other factors to determine the creditworthiness of borrowers.
- Analyze industry trends, market conditions, and macroeconomic factors to identify potential risks and opportunities within the loan portfolio.
- Develop and maintain sophisticated financial models to assess credit risk, perform stress testing, and scenario analysis.
- Prepare comprehensive memorandums for senior management, loan committee, and regulatory authorities.
- Provide mentorship and guidance to junior credit specialists and lenders alike, fostering their professional development and enhancing their analytical capabilities.
- This person will be well-versed in Timberline Bank’s Loan Policy, as well as other policies and procedures, and will be a value-added resource to their own team and others throughout Timberline Bank.
- This person will stay abreast of regulatory requirements, industry best practices, and emerging trends in credit risk management, ensuring compliance and adherence to all applicable rules and regulations.
- Duties may be expanded on as experience and professional goals are achieved.
Knowledge, Skills, and Abilities
- Bachelor’s degree in finance, accounting, economics, or a related field is required.
- Minimum of 3-years of experience in credit analysis or commercial lending.
- Strong understanding of financial markets, accounting principles, and risk management concepts.
- Must have strong verbal and written communication, organizational, and time management skills.
- Maintain strict confidentiality.
- Ability to multitask, manage priorities, and anticipate potential problems before they arise.
- Proven leadership abilities, with a track record of effectively managing and motivating a team.
- Strong problem-solving skills and ability to work effectively independently and in a team environment to collaborate with cross-functional teams in a fast-paced work environment.
- Be Thorough:Ensure that work is completed thoroughly and correctly; prepare carefully for meetings and presentations; and follow up with others to ensure that agreements and commitments have been fulfilled.
- Achieve Results:Complete tasks on a timely basis and based on an understanding of the priorities.
- Establish and Maintain Personal Credibility:Consistently model behavior for employees and management that is perceived as responsible, reliable, and ethical.
- Communicate Effectively:Express oneself clearly in interactions with others, both verbally and in writing. Notice, interpret, and anticipate employees’ needs and concerns.
- Critical Thinking:Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
- Relationship Building:Ability to effectively build relationships with vendors, management, and staff.
- Time Management:Ability to effectively utilize available time for the completion of necessary job tasks.
Equal Employer Opportunity Statement:Timberline Bank prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. All job requirements in the job description provided indicate the minimum level of knowledge, skills, and/or abilities deemed necessary to perform the job competently. Job descriptions are an overview of the duties, responsibilities, and requirements of the position. Employees may be required to perform other job-related assignments as requested. OUR COMPANY ADHERES TO A POLICY OF EMPLOYMENT-AT-WILL, WHICH ALLOWS EITHER PARTY TO TERMINATE THE EMPLOYMENT RELATIONSHIP AT ANY TIME, FOR ANY REASON, WITH OR WITHOUT CAUSE OR NOTICE.
Pursuant to the Colorado Equal Pay for Equal Work Act and Equal Pay Transparency Rules,the salary range above represents the low and high end of the salary range for this position. Actual salaries will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. The range listed is just one component of the total compensation package for employees. Incentives based on Timberline Team goals may also be offered. In addition, Timberline Bank provides a variety of benefits to full time employees, including health insurance coverage, vision insurance, dental insurance, life and disability coverage, 401K plan, paid holidays and paid time off.
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