Credit Management Clerk - Finance

The Credit Analyst I position is responsible for assisting commercial lenders throughout the division with all aspects of the commercial lending process. Responsible for providing competent credit analysis for commercial lending activities, including spreading financials, completing financial charts, preparing credit memos to underwrite loan requests, assisting with portfolio management, and helping with special projects and assignments while adhering to and exemplifying our Core Values: Embrace Responsibility, Execute with Excellence, Pursue Growth & Learning, Thrive Together.

Underwrite new and renewing commercial loan requests, including but not limited to: real estate, construction, commercial and industrial, and SBA 7A/SBA 504/USDA loans.

• Assist in the completion of credit memos through nCino in compliance with GBCI loan policy, procedures, and regulations. Understand various types and qualities of financial statements. Accurately spread and analyze financial statements and/or tax returns, and complete all required financial charts.
• Review loan packages for proper structure, accurate financial analysis, adequate collateral, appropriate risk rating, covenants, and approval conditions. Support loan officers with closings, portfolio management, annual loan reviews, and problem loan reporting. Assist with covenant monitoring, tracking, and construction loan management through the Built system.
• Obtain credentials and training necessary to complete appraisal reviews for the division. Ensure all assigned training courses are completed within required timeframes. Seek clarification from supervisors as needed to ensure understanding of training content.
• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Adhere First Bank of Wyoming's Core Values and represent the bank professionally through a positive attitude, appropriate appearance, confidentiality, punctuality, and adaptability to meet customer and bank needs. Provide superior customer service to both internal and external customers, demonstrating courtesy, professionalism, and respect at all times. Maintain physical presence in the workplace and full alertness during working hours to ensure effective customer service and overall job performance.

• Complete required bank training courses within assigned time frame(s). Participate in community service and bank-sponsored activities that align with the mission and values of First Bank of Wyoming. Attend and actively participate in required training, staff meetings, and other bank functions.
• Maintain a clean and organized work area to ensure customer privacy. Maintain regular and predictable attendance to support effective communication and customer interactions. Associate's Degree in business, finance, accounting, or economics is required. ~ Bachelor's Degree in business, finance, accounting, or economics highly preferred. ~ Ability to effectively manage a sales pipeline to manage to achievement of sales goals.
• Demonstrated commitment to providing outstanding customer service with courtesy, professionalism, and tact. Proficient in Microsoft Office Suite (Word, Excel) and other general business software. Strong 10-key proficiency and solid computer literacy, including working knowledge of spreadsheets, word processing, and standard office equipment.

In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Climb (Ascending or descending ladders, stairs, scaffolding, ramps, poles and the like, using feet and legs and/or hands and arms.

• Pull (Using upper extremities to exert force in order to draw, haul or tug objects in a sustained motion.) Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management.

The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; viewing a computer terminal; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

Travel: Occasional travel required: (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities. Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public.

• Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services.

We also offer a generous Paid Time Off (PTO) plan and paid holidays. 0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays.

In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas.