Credit Analyst Trainee - Western Security Bank

Western Security Bank is seeking a Credit Analyst Trainee. Credit Analysts contribute to the profitability of the WSB’s loan portfolio by supporting the bank’s Commercial Lenders with the analysis of financial statements, cash flows, credit analysis, pricing analysis, and credit approval packages. Will be responsible for gathering and analyzing credit information on current and potential borrowers. Will assist in determining the advisability of granting credit for diversified types of loans. Will assist lenders with writing loan requests.

A Credit Analyst will work independently as well as in cross functional teams with various levels of knowledge. These cross functional teams assist internal support staff to accomplish position/department/customer goals within regulatory/policy guidelines.

DUTIES AND RESPONSIBILITIES:

CREDIT ANALYST

• Reviews credit requests and assists lender as to the approval or denial of loan requests by:
  • Accurate and prompt analysis of financial statements and tax returns, utilizing financial analysis software as appropriate.
  • Assist the lenders with determining the appropriate loan product to fit the customer’s needs.
  • Authoring the appropriate credit authorization form.
  • Attending loan committees and participating in the presentation of the loan.
• Periodically updates and reviews outstanding loan financial information as determined by conditions of the initial credit authorization and as appropriate.
• Prepares credit analysis by spreading financial statements/tax returns and completing applicable forms in a manner consistent with loan policy, laws, rules and regulations and provide feedback to loan officers regarding concerns or questions that arise while performing the analysis.
• Discuss topics with the loan officers so that they have an understanding of the strengths and weaknesses of the borrowing entity.
• Remains current on loan programs and lending regulations as well as compliance and bank policies and procedures including, but not limited to, a working knowledge of SBA and various external loan programs and products.
• Has a complete working knowledge of WSB loan policies.
• Works with Bank support staff updating financial tracking systems and collateral tracking systems, identifying outdated and missing items and assisting lenders in requesting them from borrowers.
• Participates in the preparation of Bank reports specific to the Commercial Loan Department when asked.
• Works with the lenders and support staff to ensure that loan documentation is complete and correct prior to closing.
• File maintenance as instructed.

BUSINESS DEVELOPMENT

• Participates in new business development efforts by participating in community events and organizations.
• Assists Loan Officers with the sale of Bank products and services to customers/prospects through analyzing customer needs and recommending appropriate products.
• Contributes to meeting the sales/marketing goals of all WSB departments and partners by:
• • Identifying and referring prospects.
  • Introducing the customer
  • Arranging an appointment or arranging for the appropriate department to contact the customer directly.

CUSTOMER RELATIONS

• Maintain positive on-going relationships with existing customer base.
• Project an image of professionalism and genuine concern in dealing with the public.
• Inspires trust and confidence in clients through problem solving, listening carefully to client needs and by pro-actively recommending products and/or services.
• Actively use the SERVICE Pledge for all service encounters: Smile, Eye contact, Refer to customers by name, Viable options – Never say no, Instant acknowledgement, Customers always come first, End with “Thank You”.
• Practice WSB Core Values:Be There – For both your customers and coworkers. Choose Your Attitude – Choose to make Western Security Bank a positive place to work. Make Their Day – Find someone who needs a helping hand, a word of support or a good ear and make their day. Play – Take your work seriously, but not yourself. Profitability – Decisions based on customer satisfaction and increasing bank profitability.

CUSTOMER SERVICE

• Responsible for knowing WSB products and being able to articulate the advantages to the customer.
• Responsible for explaining the features and benefits of products and services to customers.
• Ability to handle initial requests for services competently and courteously.
• Ability to establish rapport and show concern.
• Fulfill the mission statement: “I will exceed the expected.”

CUSTOMER DEVELOPMENT

• Responsible for listening to the internal and external customer’s needs.
• Responsible for making recommendations to the Loan Officer that will meet the customer’s needs and providing a simple description of the solution(s) that shows the benefits.
• Assists in exploring business development opportunities with designated businesses.
• Functions as a knowledgeable and professional representative of WSB internally and in the community.

MISCELLANEOUS DUTIES

• Actively participates in WSB continuing education
• Performs duties while complying with Federal and State Laws and GBCI/WSB policies.
• 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.
• Other duties as assigned.
• Contributes to team effort by accomplishing related results as needed, including special projects as assigned.

QUALIFICATIONS:

Education and Experience:

• Bachelor’s degree (B.A.) in Business, Finance or Accounting from a four-year college or university.
• Previous banking experience preferred. 
• Equivalent combination of education and experience

KNOWLEDGE, SKILL, ABILITY:

• Knowledge of generally accepted accounting principals.
• A high degree of professionalism.
• Excellent organizational and time management skills.
• Strong strategic and analytical skills.
• A high degree of reliability and dependability used to follow-through and meet commitments and agreements in a timely manner.
• Knowledgeable of the cash flow analysis, including the Uniform Credit Analysis formats.
• Exhibits excellent responsiveness and follow-up in assuming responsibility for and delivering on commitments.
• Demonstrated high level of quality, accuracy and attention to detail.
• Ability to be a highly motivated self-starter with intense focus on results and winning.
• Ability to understand and follow written and oral instructions
• Ability to communicate effectively verbally and in writing.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public.
• Ability to define problems, collect data, establish facts and draw valid conclusions.
• Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
• Ability to establish and maintain effective personal working relationships with peers and supervisors.
• Skilled in meeting and greeting the public.
• Ability to handle multiple projects and details simultaneously.
• Ability to write routine reports and correspondence.
• Ability to speak effectively before groups of customers or employees of organizations.
• Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals
• Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
• Ability to deal with problems involving several concrete variables in standardized situations.
• Ability to work cooperatively with staff inside and outside of the department.
• Knowledge of online services and the Internet.
• Ability to work well under pressure
• Knowledge of principles and methods for showing, promoting and selling products or services.
• Ability to consider the relative costs and benefits of potential actions to choose the most appropriate one. 

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.

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. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

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

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position.  We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, and paid sick, holiday, and vacation time.  Visit our website for more details!

COMPANY OVERVIEW:  We are a family of banks whose unique local presence reflects the communities we serve.  We welcome the opportunity to grow and change as our customers and communities do the same.  Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website.  Check it out!  

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. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.