Credit Analyst 2

About The Role

Credit Analyst II serves as the senior technical underwriting resource within the credit organization. This position is responsible for complex commercial relationships, advanced credit analysis, portfolio risk management, and leadership within the analyst team. The Credit Analyst II functions as a subject matter expert and mentor while driving consistency and credit quality across assigned lending teams.

Essential Duties and Responsibilities

• Complex Underwriting and Advanced Financial Analysis: Independently leads the underwriting of large, complex, specialized, sensitive, or higher-risk new and renewed commercial credit relationships. Performs advanced cash flow analysis, including global cash flow evaluation, stress testing, sensitivity analysis, and debt-capacity modeling. Integrates borrower, guarantor, collateral, industry, market, concentration, policy, structure, and repayment considerations into clear, balanced, and decision-ready credit recommendations.
• Credit Structure and Advanced Risk Judgment: Partners with Relationship Managers and credit leadership to evaluate and refine transaction structure, repayment expectations, collateral and guarantor support, covenant packages, reporting requirements, risk ratings, approval conditions, policy considerations, and other risk mitigants. Challenges assumptions constructively, identifies material and emerging risks, and recommends practical alternatives or action plans when the proposed structure does not adequately address identified risk.
• Credit Partnership and Team Effectiveness: Serves as the primary credit partner for assigned Relationship Managers and lending teams or pods. Provides guidance on challenging credit situations, facilitates communication among team members, and helps coordinate and prioritize underwriting and portfolio work. Anticipates workflow constraints and escalates material capacity, quality, deadline, or risk concerns to management.
• Technical Leadership, Work Review, and Analyst Development: Develops and maintains advanced knowledge of commercial credit, underwriting standards, loan policy, procedures, loan products, and lending-related systems. Serves as a technical resource to analysts, lenders, and other internal partners by helping interpret requirements, resolve complex questions, and promote consistent credit and workflow practices. Reviews the work of junior analysts as assigned for accuracy, consistency, analytical support, and adherence to policy. Mentors, trains, and develops other analysts through constructive feedback, ongoing coaching, and technical support. Attends loan committee meetings as expected and is prepared to contribute appropriately to credit discussions.
• Complex Portfolio Management and Credit-Risk Oversight: Leads or provides advanced support for the ongoing management of complex, criticized, higher-risk, or otherwise significant credit relationships. Completes or oversees large relationship reviews, annual reviews, covenant monitoring, borrower-reporting follow-up, risk-rating assessments, action plans, and other portfolio-management activities. Identifies and communicates emerging borrower, industry, concentration, and portfolio risks and recommends appropriate monitoring, mitigation, or corrective action.
• Credit Quality and Departmental Initiatives: Supports regulatory examinations, internal audits, external loan reviews, credit-quality assessments, policy and procedure changes, system implementations, and other significant credit initiatives. Participates in or leads workflow improvements, training initiatives, research, presentations, and departmental projects. Completes or assists with other portfolio, system, reporting, or administrative responsibilities when workload, staffing, risk, development needs, or management priorities require.

Additional Responsibilities

• Employees are required to actively use the Service Pledge in all internal and external customer encounters.

                       Service Pledge:         

                                                Smile

                                                Eye Contact

                                                Refer to Customer by name

                                                Viable Options

                                                Instant Acknowledgement

                                                Customers Always Come First

                                                End with “Thank you”

• Participate in required training, staff meetings, and lobby displays.
• Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of First 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 training courses within assigned time frame(s).
• 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.
• Represent First Security Bank in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, flexibility and adaptability in meeting bank and customer needs.  Keep work area tidy and maintain customer privacy.
• Regular and predictable attendance to accomplish job duties and provide in-person contact with customers.
• Additional duties as requested or assigned.

About You

QUALIFICATIONS:

• Bachelor’s degree in finance, accounting, economics, business, or a related field, or an equivalent combination of relevant education and experience. 
  

KNOWLEDGE, SKILL, ABILITY:

• Demonstrated advanced proficiency in commercial credit underwriting, financial and cash-flow analysis, loan structure, policy application, risk ratings, collateral evaluation, and preparation of persuasive credit recommendations.
• Demonstrated ability to manage complex or sensitive assignments with sound judgment, limited direction, and consistent accuracy and timeliness.
• Demonstrated ability to explain complex credit issues, provide constructive review and coaching, and influence outcomes through expertise and credibility rather than formal authority.
• Proficiency with lending-related technology and the ability to help others adapt to evolving systems, workflows, controls, and reporting expectations.  
• Broad, progressively responsible commercial underwriting experience across varied industries, structures, collateral types, and risk profiles.
• Advanced commercial-lending, credit, accounting, risk-management, or leadership training.
• Experience supporting criticized credits, complex relationships, portfolio analysis, process improvement, or credit-related projects. 

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:The employee is constantly required to stand and walk. Exerting up to 25 pounds of force occasionally, and/or up to 10 pounds of force frequently, and/or a negligible amount of force constantly to move objects. If the use of arm and/or leg controls requires exertion of forces greater than that for sedentary work and the worker sits most of the time, the job is rated for light work.

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.  Check it out!

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.