Credit Analyst Details

Credit Analyst

Heritage Bank Nevada - Reno, NV

Employment Type : Full-Time

About the Role: POSITION SUMMARY
Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals. Examines and evaluates commercial loan applications by performing the following duties.
DUTIES AND RESPONSIBILITIES:

• Works directly with the loan officers on new loan requests, renewals, and ongoing portfolio management.
• Assist in obtaining the financial exhibits to complete a loan package and verify for completeness.
• Spread tax returns and financial statements and calculate performance ratios, i.e. income growth, margins, trends.
• Thoroughly analyze tax returns and financial statements and evaluate credit worthiness to determine an applicant’s ability to repay loans and lines of credit.
• Prepare annual reviews of borrowing relationships.
• Obtain credit reports as needed on businesses and individuals.
• Perform collateral due diligence by ordering and reviewing the following: UCC Searches, appraisals, evaluations, environmental reports, and flood determinations.
• Prioritize to meet deadlines of the account officers.

About You: QUALIFICATIONS:

• Bachelor's degree (B. S.) from four-year college or university; or Junior or Senior Level Accounting Major at a four-year college or university.

KNOWLEDGE, SKILL, ABILITY:

• Ability to write reports and business correspondence.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages.
• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

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 quiet.
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 frequently required to stand; use hands to operate a computer, and talk or hear. The employee is occasionally required to walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.

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. The employee must occasionally lift and/or move 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, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, and paid sick, holiday, and vacation time. Visit our website for more details!
COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same. Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website. 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.