Senior Commercial Credit Underwriter & Team Lead

Gbcijobs; Bozeman (MT); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Medical, dental, vision, and life

Health savings account option

Employee Assistance Program (EAP)

Retirement plan (401k & Profit-Sharing

Paid time off and holidays

Job summary

First Security Bank in Bozeman, MT seeks a Credit Analyst II to serve as the senior technical underwriting resource. You will handle complex commercial relationships, perform advanced cash flow analysis, and mentor junior analysts to ensure credit quality across lending teams.

You will partner with Relationship Managers to refine transaction structures, monitor risk, and contribute to portfolio management. A finance-related degree and deep credit knowledge are essential for success.

Qualifications

• Advanced proficiency in commercial credit underwriting and financial analysis.
• Ability to manage complex assignments with sound judgment and timeliness.
• Experience leading and mentoring analysts and coordinating underwriting workflows.
• Familiarity with lending policies, collateral evaluation, and risk ratings.

Responsibilities

• Lead underwriting of large, complex commercial credits and renewals.
• Perform advanced cash flow analysis including stress testing and debt-capacity modeling.
• Collaborate with Relationship Managers to structure deals and monitor risk.
• Mentor junior analysts and review work for accuracy and policy adherence.
• Lead portfolio-management activities including annual reviews and covenant monitoring.
• Support regulatory examinations, audits, and process improvements.

Skills

Advanced credit underwriting

Cash-flow analysis

Debt-capacity modeling

Mentoring analysts

Portfolio risk management

Education

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

Job description

First Security Bank in Bozeman, MT seeks a Credit Analyst II to serve as the senior technical underwriting resource. You will handle complex commercial relationships, perform advanced cash flow analysis, and mentor junior analysts to ensure credit quality across lending teams.

You will partner with Relationship Managers to refine transaction structures, monitor risk, and contribute to portfolio management. A finance-related degree and deep credit knowledge are essential for success.