«out The Role Western Security Bank is currently hiring for an experienced Credit Analyst. A Credit Analyst contributes 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. 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: Reviews credit requests and assists lender as to the approval or denial of loan requests by: o Accurate and prompt analysis of financial statements and tax returns, utilizing financial analysis software as appropriate. o Assist the lenders with determining the appropriate loan product to fit the customer’s needs. o Authoring the appropriate credit authorization form. o 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 Works with Bank support staff updating financial tracking systems and collateral tracking systems, identifying outdated and missing items and assisting lenders in requesting them from borrowers.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. 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. 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. All employees are accountable for compliance with applicable laws and regulations when performing their job duties. Each employee is expected to participate in required training to become familiar with the legal and regulatory requirements affecting his or her job responsibilities. It is the affirmative duty of each employee to carry out these responsibilities at all times in a manner that complies with all applicable legal and regulatory requirements, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Adhere to and model Western Security Bank Company Mission and Vision Statement, Core Values and Service Principles. Participate in Community Service and Bank sponsored activities that serve and support the mission and values of Western Security Bank. Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel). Complete required bank and OnCourse training courses within assigned time frame(s). Represent Western Security Bank in a professional manner which includes a professional image, confidentiality, a positive attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attends and participates in meetings as required. Additional duties as requested or assigned. About You QUALIFICATIONS: A minimum 2 years previous Credit Analyst experience required. Bachelor's degree in Business, Finance or any related degree from a four-year college or university is preferred. KNOWLEDGE, SKILL, ABILITY: Strong interpersonal communications skills including customer service orientation and strong listening skills. The ability to operate computer applications related to the position. Excellent interpersonal communications skills including customer service orientation and strong listening skills. Perform complex banking tasks that require logical or scientific thinking to define problems, collect data, establish facts, and solve or draw conclusions. Strong written and verbal communication skills. Strong analytical and attention to detail skills. Ability to work well under pressure with a high degree of attention to detail. Must have the ability to work in a professional manner and consistently demonstrate courtesy, customer service, and tact in a fast-paced/deadlines-oriented environment. Ability to work quickly and accurately: perform effectively under pressure; meeting multiple and sometimes competing deadlines and make decisions based on regulation(s), company policy(s), knowledge and experience. Mathematics and reasoning are constantly used/required on the job. Memory and estimating are frequently used/required on the job. Problem solving and exercising judgment are frequently used/required on the job. Ability to define problems, collect data, establish facts and draw valid conclusions. 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: 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.While performing the duties of this job, the employee constantly works with time constraints and maintains attentiveness, duration and intensity. The employee frequently has routine workflow. Specific lifting abilities required by this job include: lifting up to 20 pounds. 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.