Credit Analyst I

About this role

• About the Role: First Bank of Montana is hiring a Credit Analyst to be an integral part of our team in our **Lewistown, Montana** location.
• Do you have analytical skills and are interested in learning and growing within the banking field?
• This is the opportunity for you!
• This position involves providing loan support for loan officers across the bank division and requires a positive attitude and great customer service skills.
• The ability to work in a team atmosphere and promote the bank's products and services is required.
• Professionalism, confidentiality, good attendance, punctuality, flexibility and adaptability are a must!
• **DUTIES AND RESPONSIBILITIES:** The successful candidate will have extensive contact with bank staff as well as with external customers..
• He/She will be expected to conduct him/herself in a manner that will enhance the overall efficiency and image of the bank.
• It will be required to build and maintain rapport with co-workers in order to complete tasks in a timely manner while following all policy and regulatory requirements.
• Must comply with applicable laws and regulations, including but not limited to, the Dodd-Frank Act, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Must complete the assigned online training courses and achieve a score of 85% or greater by due date.
• ***Credit Analyst Essential Job Functions:*** * Perform Credit/Financial Analysis duties and support as assigned for the Commercial Loan Department.
• * Accurate and prompt analysis of financial statements and tax returns with to-the-point written narratives.
• Meet turnaround goals set by management.
• * Work with loan teams to monitor and follow-up on files to be sure financial information is being requested per policy guidelines.
• * Maintain and monitor all loans with Borrowing Base Certificates.
• Ensure accurate calculations with recommendations to the loan officer for action.
• * Assist the department in managing the technical exception reporting and correction process.
• Prepare and maintain a technical exception log for critical and technical exceptions.
• * Keep 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 all commercial 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 back-up on various general duties.
• Provide various additional knowledge and support to the Commercial, Consumer, Loan Servicing and Collection departments as needed.
• * Assist lending teams with outside calls, collateral inspections/valuations and other duties as assigned.
• ***Other Job Functions:*** * Perform job functions in compliance with all company policies and procedures, federal and state rules and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC and GLBA/privacy rules.
• * Keep management appropriately informed of area activities and of any significant problems.
• * Participate in community service and bank sponsored activities that serve and support the mission and values of First Bank of Montana.
• * 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).
• * Represent First Bank of Montana in a professional manner which includes a professional image, confidentiality, a positive "can-do" attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs.
• Keep work area tidy and maintain customer privacy.
• Attend and participate in meetings as required.
• * Regular and predictable attendance is an essential function of this job in order to accomplish, among other things, in-person contact with customers and lenders.
• * Additional duties as requested or assigned.
• About You: **QUALIFICATIONS:** * High school diploma or equivalent * Associates or Bachelors Degree in Finance related area of study preferred * One year banking experience preferred * One year sales and customer service experience preferred * Previous lending related experience and/or education preferred **KNOWLEDGE, SKILL, ABILITY:** * Ability to work quickly and accurately * Ability to understand and follow written and oral instructions * Strong verbal and written communication skills * Good working knowledge of Microsoft applications such as Word, Excel, Outlook, etc.
• and the ability to learn new systems/applications * Ability to understand financial analysis (i.e.
• financial statements, tax returns, and business plans) * Ability to have a broad knowledge of banking regulations **WORK ENVIRONMENT:** * Must be able to routinely perform work indoors in climate-controlled shared work area with minimal 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.

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