New

Credit Analyst

First State Bank
life insurance, paid time off, paid holidays, 401(k)
United States, Wyoming, Torrington
Aug 05, 2025
About The Role Position primarily provides support to loan departments by performing duties related to credit and asset based lending. Conducts preliminary credit analysis by reviewing tax returns, financial statements, and other documentation; conducts follow-up; and assists other departments as needed and/or assigned. DUTIES AND RESPONSIBILITIES: Perform credit/financial analysis as assigned by the loan department Accurately and promptly perform analysis of financial statements and tax return with written narratives Work with loan teams to monitor and follow up on files to assure financial information is being requested annually Maintain and monitor all loans with borrowing base certificates. Ensure accurate calculations with recommendations to loan officers for action Assist the loan department in managing the technical exception reporting and correction process. Prepare and maintain a technical exception log for critical and technical exceptions Stay current on loan programs and lending (federal and state) regulations as well as all compliance and bank policies and procedures. Participate in the preparation and presentation of training sessions Assist Department Manager with various assigned tasks such as research requests for loan reviews, non-accrual/charge off entries, recommendation and implementation of new department procedures/practices, and acting as a backup for various general duties Provide various additional knowledge and support to all loan departments as needed Assist lending teams with outside calls, collateral inspections/valuations Assist loan officers by pulling credit reports, UCC lien search, Vehicle Lien Search & floods Secondary Market loans-balance purchase advices, balance REM Fees Account, pay bills, order appraisals, title commitments, UPS Shipping and monthly report Follow up on vehicle titles Insurance monitoring and AM Best Ratings Follow up on deeds of trusts and title policies Prepare correspondence to loan customers requesting financial information, Credit Authorizations, Inspections, Floor Plans as directed by loan officers Credit Review and file documents Monthly and quarterly reports for GBCI and Board of Directors Accurately set up all loan files within two days of receiving application from underwriter Process all applicable loans with necessary documents in order in a timely manner and prepare so they are ready to close within the timeframe allotted by everyone involved Prepare and review closing documents and assure they are complete, accurate and ready for the title company the day prior to the loan closing Follow-up on all items for closed loans such as insurance, liens, etc. Keep loan officers informed of the status of loans Other duties as assigned About You QUALIFICATIONS: College degree in Ag or Finance preferred KNOWLEDGE, SKILL, ABILITY: Must have the ability to work in a professional and confidential manner Excellent organizational and time management skills Possess a high degree of investigative, analytical skills - be detail orientated Basic computer skills with working knowledge or word processing, spreadsheets, ten-key, and general computer applications Ability to apply common sense understanding to carry out instructions furnished in written, oral or diagram form Professional verbal and written communication skills Ability to positively promote our organization to customers and co-workers WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level. Must be capable of occasional travel (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. 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. The employee may also be required to: The employee may also be required to: climb, balance, stoop, kneel, crouch, crawl, push, and pull. 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 lifting abilities required by this job include: Medium work. Exerting up to 50 pounds of force occasionally, and/or up to 25 pounds of force frequently, and/or up to 10 pounds of force constantly to move objects. 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. What We Offer 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. 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. PTO accruals begin at .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. All applicants must be legally authorized to work in the US. No Recruiters or unsolicited agency referrals please.