Credit Analyst II

First Security Bank • Missoula, MT • 2d ago

About The Role A Credit Analyst II (CA II) is primarily responsible for comprehensively analyzing financial data and preparing thorough and accurate analysis that may be used in credit authorizations, portfolio management activities, and new business opportunities. In this advanced role, the CA II will be expected to have a thorough knowledge of credit underwriting practices for multiple lending categories including Commercial & Industrial (C&I), Commercial Real Estate, and Nonprofit lending.Must demonstrate a strong knowledge of financial statements of varying quality and be able to succinctly analyze these statements by completing both qualitative and quantitative analysis. A strong understanding of both P&L and Balance Sheet ratios is a necessity to produce the detailed analysis that is expected in this position. As a CA II, it is generally expected that you will handle the more complex underwriting assignments.Responsibilities will be closely tied to the activities of Commercial Lending, and they will have routine interaction and communication with members of the Commercial Lending Team. It is important that the CA II works collaboratively with the lending officers to complete the requested underwriting in a timely, accurate, and satisfactory manner for all stakeholdersDUTIES AND RESPONSIBILITIES:Complete comprehensive financial analysis for both current and prospective clients by completing financial spreads or other financial methodologies accepted by the bank.Independently analyze more complex financial statements and tax returns and develop and convey questions/comments pertaining to financial trends and relevant borrower/industry data.Maintain extensive knowledge of lending policies, procedures, and practices of the bank.Provide project level support (Lead or Assist) to continuously improve the operations of the team and bank. May serve as a mentor/trainer to junior analysts, and provide coaching, when necessary, to develop the team.Perform annual term loan reviews when requested. Assist in keeping the annual term loan review tracking up to date. Monitor compliance with loan agreement covenants associated with all loans with each review.Provide support in the preparation of Problem Loan Reports as requested.Conduct credit investigations when necessary. Work with Commercial Loan Officer in monitoring customer accounts and loan portfolios to detect changes that might affect their credit standing.Work collaboratively with Commercial Loan Officers to manage customer relationships and loan portfolios. May be asked to accompany Commercial Loan Officers on sales calls/customer calls.Recommend to Commercial Loan Officer approval and/or changes in new or existing credit lines.Produce high-quality financial analysis in a generally acceptable amount of time. Acceptable time is to be determined based on nature of request and will be monitored by Underwriting Manager (UM) or other similar.Ensure accuracy in each underwriting product with an error rate satisfactory to UM or similar.Lead or heavily contribute to the successful completion/implementation of a project either self-identified (and approved by manager) or directed by direct manager on a yearly basis.Complete 1-2 self-identified (and approved by manager) or directed professional development opportunities per year.ESSENTIAL FUNCTIONS:Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Maintain strict confidentiality of customer's personal and financial information.Develop and improve skills through training programs and regular feedback discussions with supervisors which help further professional development. Participate in all training sessions and complete all assigned OnCourse training courses and achieve a passing score by due date.Adhere to First Security Bank's core values; represent the bank in a profe

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