Senior Commercial Credit Underwriter & Portfolio Leader

Glacier Ban; Bozeman (MT); On-site; USD 70,000 - 90,000; Full time

Job summary

First Security Bank is seeking a Credit Analyst II to serve as a senior underwriting resource for complex commercial credit relationships. The role emphasizes advanced cash flow analysis, structure optimization, and mentoring of analysts within the team.

The candidate will partner with Relationship Managers and lending teams to ensure credit quality, manage portfolio risk, and drive consistency across underwriting practices. A strong finance background and leadership abilities are essential.

Qualifications

• Demonstrated advanced proficiency in commercial credit underwriting, financial and cash-flow analysis, loan structure, policy application, risk ratings, collateral evaluation, and preparation of persuasive credit recommendations.
• Ability to manage complex or sensitive assignments with sound judgment, limited direction, and consistent accuracy and timeliness.
• Explain complex credit issues, provide constructive review and coaching, and influence outcomes through expertise and credibility.
• Proficiency with lending-related technology and the ability to adapt to evolving systems, workflows, controls, and reporting expectations.

Responsibilities

• Independently leads underwriting of large, complex commercial credit relationships and performs advanced cash flow analysis.
• Refine transaction structure, collateral, covenants, and risk mitigants with loan-committee input.
• Partner with Relationship Managers to coordinate underwriting and portfolio work and escalate capacity or risk concerns as needed.
• Mentor junior analysts, review work for accuracy, and support training and development of the team.
• Lead or support portfolio management activities, reviews, covenant monitoring, and risk-rating assessments.
• Contribute to regulatory, internal, or departmental initiatives and improvements.

Skills

Advanced underwriting

Cash flow analysis

Credit structuring

Risk assessment

Mentoring / leadership

Education

Bachelor's degree in finance, accounting, economics, business, or related field

Job description

First Security Bank is seeking a Credit Analyst II to serve as a senior underwriting resource for complex commercial credit relationships. The role emphasizes advanced cash flow analysis, structure optimization, and mentoring of analysts within the team.

The candidate will partner with Relationship Managers and lending teams to ensure credit quality, manage portfolio risk, and drive consistency across underwriting practices. A strong finance background and leadership abilities are essential.