Senior Credit Analyst: Complex Commercial Underwriting

First Interstate Bank; Missoula (MT); Hybrid; USD 90,000 - 120,000; Full time

Job summary

First Interstate Bank is seeking a Credit Analyst III to independently evaluate and underwrite complex commercial credits, including CRE, C&I, and hospitality. You will work with Relationship Managers to support loan relationships, focusing on credit quality and risk mitigation.

The role involves preparing financial spreads, analyzing cash flows, and producing detailed reports to inform credit decisions and policy compliance.

Qualifications

• Bachelor's degree preferred; 7–9 years banking experience recommended.
• Experience with financial spread software required.
• Strong knowledge of bank credit policy and regulatory requirements.

Responsibilities

• Reads financial statements and assesses creditworthiness of commercial borrowers.
• Prepares financial spreads for CRE, C&I, hospitality, and other credit types.
• Analyzes credit risk, determines risk ratings, and makes underwriting recommendations.
• Writes comprehensive credit analysis reports with data visuals and narratives.
• Supports Relationship Managers and mentors junior analysts in underwriting quality.
• Performs covenant testing and quarterly monitoring of credits.
• Participates in training, quality control, and portfolio management activities.

Skills

Analytical skills

Written & verbal communication

Attention to detail

Time management

Relationship building

MS Office proficiency

Credit underwriting

Education

Bachelor's degree in Business/Finance or related

High School Diploma or GED

Tools

Financial spread software

Microsoft Office Suite

Job description

First Interstate Bank is seeking a Credit Analyst III to independently evaluate and underwrite complex commercial credits, including CRE, C&I, and hospitality. You will work with Relationship Managers to support loan relationships, focusing on credit quality and risk mitigation.

The role involves preparing financial spreads, analyzing cash flows, and producing detailed reports to inform credit decisions and policy compliance.