About The Role Summary: Under general supervision of the Senior Credit Analyst Lead and in conformance with established Bank policies and procedures, the Credit Analyst II is responsible for providing credit analysis for the lending activities of the Bank. The Credit Analyst II will provide analytical services in the administration of loan accounts and service to Loan Officers and Loan Operations in all facets of loan compliance. This position requires the ability to support loan officers and loan operations in interpreting and implementing policies and procedures to comply with laws and regulations. This person must demonstrate the initiative to act on their own with little direction to perform and provide diverse administrative duties and support; ability to process detailed information with accuracy and efficiency; maintain calendars and schedules of appointments; ability to work under pressure, while communicating a positive, friendly attitude; availability and willingness to be team player to work well and communicate effectively with all levels of Bank personnel and outside business contacts. Assignments involve work of a confidential nature, necessitating exposure to sensitive information and contacts requiring discretion, judgment, tact, and diplomacy, as well as practical knowledge of the practices and procedures of the department and general bank policies and programs. DUTIES AND RESPONSIBILITIES: Provide excellent service to all internal and external customers, supporting the goals and mission of the Bank. Effectively communicate with lenders, management, customers, and other bank staff to obtain additional information or to relay information. Accurately underwrite, analyze, structure, and prepare presentations for loans. Analyze the credit and collateral aspects of business and individual loans both secured and unsecured. Negotiate with lenders concerning underwriting and arrive at an appropriate credit structure that conforms to the Bank’s Loan Policy. Monitor loans to ensure proper documentation with respect to items such as periodic calculation of ratios to determine financial covenants. Assist with documenting loans to ensure complete loan files are maintained. Undertake special projects relating to departmental services as assigned by Chief Credit Officer or Senior Credit Analyst Lead or Co-Lead. Use various software programs in the course of the daily work routine to prepare and manage loans, schedules, conduct financial analysis or other risk assessments, and provide written comments and documentation as necessary. May be assigned various projects involving research on lending programs, review of outstanding loans or exploration of lending alternatives for prospective customers. Perform additional duties as assigned or as the situation dictates. Regular and predictable attendance to accomplish job duties and provide in-person contact with customers. Participate in a continuing educational program(s) as directed by supervisor and management, including but not limited to complying with all requirements, policies, and procedures of the Bank Secrecy Act (BSA), attending all mandatory BSA training as needed for this position, and completing all required compliance and regulatory training, not limited to BSA. Become familiar with and periodically review the Bank’s robbery recovery procedures and security and safety procedures. 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. Must complete the assigned online training courses and achieve a passing score by due date. About You QUALIFICATIONS: Bachelor’s degree in accounting, finance, or related field, or equivalent credit analyst knowledge gained through a combination of education and experience Minimum of three years prior experience in commercial lending. KNOWLEDGE, SKILL, ABILITY: Ability to process detailed information with accuracy and efficiency Assignments involve work of a confidential nature, necessitating exposure to sensitive information and contacts requiring discretion A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. Proven analytical and problem-solving abilities. Ability to communicate, both orally and in writing, with others in the Bank to perform effective reviews and to report the results. Knowledge and proficiency with various computer programs; including but not limited to Microsoft Word and Excel, various database software programs, and other software commonly used in the banking industry Requires excellent verbal and written communication skills with the ability to communicate detailed information in clear, easy to understand manner Demonstrated strong organizational skills and ability to both prioritize and multi-task while adapting to changing workflow and personalities Ability to calculate figures and amounts such as percentages and ability to apply concepts of basic math Basic understanding of financial data such as cash flow, balance sheet, income statement, and collateral valuation Analytical skills to assess and evaluate areas of responsibility including determination of loan risk involved and recommendation of credit limitations Must make sound judgments and interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Ability to read and understand individual and business tax returns, audited, or reviewed financial statements, and company prepared profit and loss statements, balance sheets, and statement of cash flows Thorough knowledge and experience with computers used in banking as well as proficiency in various computer programs; including but not limited to Microsoft Word and Excel, various database software programs, and other software commonly used in the banking industry Requires excellent verbal and written communication skills with the ability to communicate detailed information in clear, easy to understand manner Demonstrated strong organizational skills and ability to both prioritize and multi-task while adapting to changing workflow and personalitie Ability to calculate figures and amounts such as percentages and ability to apply concepts of basic math Analytical skills to assess and evaluate areas of responsibility including determination of loan risk involved and recommendation of credit limitations Must make sound judgments and interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Maintain strict confidentiality regarding any information obtained during the course of performing job duties; adhere to Bank policies and procedures regarding confidentiality WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level. 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 lifting abilities required by this job include: Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met. 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: Salary is dependent upon relevant experience. We offer an extensive benefits package that includes, but is not limited to, flexible health coverage options: medical/dental/vision (partially employer paid with competitive premiums), health rewards program, possible employer contribution to a Health Savings Account, Employee Assistance Program (EAP); life insurance; 401K retirement plan with immediate vesting (up to 3% employer match, 3% automatic employer contribution, and profit sharing); discounted banking products and services; paid vacation/sick days, and paid holidays. COMPANY OVERVIEW: At Glacier Bancorp, our employees are our most valuable asset. We seek qualified individuals who enjoy people, are innovative and eager to learn. We are dedicated to providing opportunities for personal advancement and professional growth by investing in the tools and training needed to build a personalized career path for you. Glacier Bancorp, Inc. is a regional bank holding company headquartered in Kalispell, Montana with assets greater than $12 billion, operating in numerous community bank divisions across 8 states (Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona and Nevada). We pursue a community banking philosophy, emphasizing personalized service combined with the full resources of a large banking organization. Over the years, Glacier Bancorp has received numerous awards for stability and soundness, and has repeatedly ranked among the top 10% in the nation for financial strength. 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, age, 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.