Senior Commercial Credit Underwriter & Portfolio Lead

Make Choteau Home; Bozeman (MT); On-site; USD 90,000 - 125,000; Full time

Job summary

First Security Bank in Bozeman, MT seeks a Credit Analyst II to lead complex underwriting, perform advanced cash flow analysis, and mentor junior staff. You will partner with Relationship Managers to structure transactions, assess collateral, and ensure credit quality across lending teams.

The role requires a Bachelor’s in finance or related field, strong analytical and communication skills, and proven judgment in high-risk credits.

Qualifications

• Advanced cash-flow analysis including stress testing and sensitivity analysis.
• Ability to evaluate borrower, guarantor, collateral, industry, market, concentration, policy, and repayment considerations.
• Mentors and develops junior analysts in underwriting practices and systems.

Responsibilities

• Lead underwriting of large, complex commercial credit relationships and provide decision-ready recommendations.
• Partner with Relationship Managers to refine transaction structure, covenants, and risk controls.
• Coordinate underwriting workflow and prioritize portfolio work across lending teams.
• Review junior analysts’ work for accuracy and policy adherence; mentor and train staff.

Skills

Commercial underwriting

Cash-flow analysis

Debt capacity modeling

Collateral evaluation

Risk management

Credit policy knowledge

Mentoring analysts

Education

Bachelor’s degree in finance/accounting/economics/business

Job description

First Security Bank in Bozeman, MT seeks a Credit Analyst II to lead complex underwriting, perform advanced cash flow analysis, and mentor junior staff. You will partner with Relationship Managers to structure transactions, assess collateral, and ensure credit quality across lending teams.

The role requires a Bachelor’s in finance or related field, strong analytical and communication skills, and proven judgment in high-risk credits.