Montana Jobs

facebook youtube linkedin
Mobile Montana Labor & Industry Mobile Logo

Job Information

First Interstate BancSystem Credit Analyst I in Bozeman, Montana

\*\*If you are a current FIB employee, please apply through the Career
Worklet in the Employee Portal.
SUMMARY
Collaborates with relationship managers in gathering and evaluating
commercial credit related information on current and prospective
customers by preparing written reports of analysis which include
in-depth analysis of financial statements, historical and projection
based cash flow and ratio analysis, suggested credit structure, general
industry analysis and identified risks.

ESSENTIAL DUTIES & RESPONSIBILITIES include the following; other duties
may be assigned.

Prepares financial spreads for various types of businesses.

Analyzes credit worthiness of commercial applicants, and guarantors, as
appropriate by reviewing loan application, spreading historical and
projection based financial statements, calculating cash flows,
identifying key risks and conducting research on borrowers and
industries..

Analyzes findings and authors a comprehensive report of analysis using a
mix of data analysis (charts, formulas, graphs, etc.) and written
narrative.

Evaluates credit quality, suggesting loans to upgraded or downgraded
based on most recent information.

Possesses proficiency relative to credit transactions and analytical
skills sufficient to enable independent underwriting of commercial
requests for streamlined to moderate complexity requests with moderate
guidance from immediate manager.

Ensures compliance to applicable regulations and keeps up-to-date with
changes in federal regulations and FIB credit policy requirements.

Assists the Relationship Manager in completing problem loan reports.

Completes financial performance metric covenant testing.

The ideal candidate:

Must have strong organization and time management skills.

Must have excellent written and verbal skills.

Must have the ability to develop and maintain internal and external
relationships such as Relationship Managers, Credit Officers, and Risk
Management Personnel.

Must be able to work in a fast paced environment, set priorities,
establish and meet strict deadlines with flexibility to adapt quickly to
changing priorities.

Must be self-motivated and possess the ability to assist with credit
risk decisions.

Must have strong analytical and problem solving skills as well as an
attention to detail.

Must have the ability to prioritize and with others in an integrated way
to achieve individual objectives and team results with flexibility to
adapt to changing volumes and areas of focus (new vs. renewal).

QUALIFICATIONS
To perform this job successfully, an individual must be able to perform
each essential duty satisfactorily. The requirements listed below are
representative of the knowledge, skill, and/or ability required.
Reasonable accommodations may be made to enable individuals with
disabilities to perform the essential functions.

EDUCATION &/or EXPERIENCE
B.A. degree in Business, Finance or related field from a four-year
college or university or four years of banking experience or equivalent
combination of education and experience. Commercial banking experience
preferred.

OTHER SKILLS & ABILITIES
Proficiency with Microsoft Office Suite, including Word, Excel, Outlook
and PowerPoint. Experience with financial spread software; Moody's Risk
Analyst and/or Moody's Lending Cloud preferred. Ability to acclimate
quickly to other programs.

LANGUAGE SKILLS
Ability to read, analyze, and interpret general business periodicals,
professional journals, technical procedures, or governmental
regulations. Ability to create comprehensive reports, business
correspondence, and procedure manuals. Ability to effectively present
complex information succinctly and respond to questions from groups of
managers, clients, customers, and the general public.

MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest,
commissions, proportions, percentages, area, circumference, and volume.
Ability to apply concepts of basic algebra and geometry. Ability to
create, interpret and explain spreadsheet analysis.

REASONING ABILITY
Ability to apply common sense understanding to carry out instructions
furnished in written, oral, or diagram form. Ability to deal with
complex problems involving several concrete variables in standardized
situations.

PHYSICAL DEMANDS
While performing the duties of this job, the employee is regularly
required to sit; use hands to finger, handle, or feel; and talk or hear.
The employee is occasionally required to stand; walk; reach with hands
and arms; climb or balance; and stoop, kneel, crouch, or crawl. The
employee must occasionally lift and/or move up to 10 pounds. Specific
vision abilities required by this job include close vision, and distance
vision.

WORK ENVIRONMENT
The work environment characteristics described here are representative
of those an employee encounters while performing the essential functions
of this job. Reasonable accommodations may be made to enable individuals
with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.\*\*If you
are a current FIB employee, please apply through the Career Worklet in
the Employee Portal.

Our company is an equal opportunity employer. Employment here is based
solely upon an individual's merit and qualifications directly related to
the position. We do not discriminate on the basis of race, color,
religion, national origin, ancestry, pregnancy status, sex, age, marital
status, disability, medical condition, or any other characteristics
protected by law. We make all reasonable accommodations to meet the
obligations set forth under the Americans with Disabilities Act (ADA)
and state disability laws.

DirectEmployers