Sr. Credit Analyst

Company: Idaho Trust Bank
Location: Boise
Posted on: January 13, 2022

Job Description:

WHY WORK WITH US
Idaho Trust Bank, headquartered in beautiful Boise, Idaho, is listed as one of America's Best Business and Private Bank's while also being named one of the top 200 healthiest banks in America. We have a deep professional commitment to our clients and take pride in providing superior service to meet their unique financial needs.
You will have the opportunity to work with incredible co-workers, along with continued learning and educational opportunities. Professionalism, mutual respect, and a sense of humor are traits we value and exhibit.
If you are looking for a place to prove yourself in a rewarding work environment with a company that believes a great culture is the key to success, we just might be the place for you. Come grow with us!
SUMMARY
Primary responsibility is telling the credit story of our wide and diverse customer base. . Working directly with Relationship Managers and Credit Officer, you will take a request from beginning to end, with the story delivered via concise but thorough and accurate credit presentation. Your work is then reviewed by various levels of approval authority, up to and including the Board of Directors. The goal for all credit stories is a paid as agreed end, and your knowledge of loan structure along with your ability to see beyond the numbers on a tax return to the strengths and risks of each credit will help produce that end. Loan growth is high and therefore so is the demand on this position to meet requests timely without loss of quality. Your teammates represent the best in their fields and desire to help you be the best as well. Your days will be varied and challenging as you grow in your profession. Individual must be detail oriented, self-directed, highly organized, and be the ultimate team player. Ideal candidate has requisite experience along with strong Analytical, Financial Accounting, and Writing skills necessary to think on their feet through wide variety of credit related requests. Work is completed within a team of highly experienced professionals. Growth potential for right candidate.
PRIMARY RESPONSIBILITIES
Work well with team partners to review submitted requests timely, and respond with follow-up requests and necessary disclosures, as needed.
Process analysis of tax returns and financials and gather and review other supporting information.
Utilizing policy and feedback from Credit Officer, determine correct structure, credit risk level and pricing.
Build Credit Presentation to effectively and concisely communicate the merits and risks of credit presented.
Submit credits to appropriate authority levels for final approval timely and with utmost accuracy.
Spread and analyze collected financials on existing loans and test for financial covenants.
Maintenance of physical and electronic files.
Other administrative duties as required, such as quarterly Asset Quality Reports, tickler management, regulation B tracking, etc.
Audit files to ensure accuracy and completeness of documentation.
THE SKILLS WE ARE LOOKING FOR
Bachelor's degree in Accounting, Finance or Economics preferred.
Strong understanding of Financial Accounting.
Experience in C & I, CRE, Consumer and Private Banking.
Strong written and verbal communications with emphasis on being concise.
Prefer 3+ years' experience in credit analysis/underwriting role in Commercial Lending environment.
Ability to manage multiple tasks simultaneously within strict deadlines and with a high degree of accuracy.
Proficient computer skills (Microsoft Word, Excel, Adobe, Power Point, etc.).
Previous use of credit analysis software a must, Credit Quest, Sageworks, Moody's, Bukers.
Constructively interacts with co-workers, provides coverage and cross training as needed.
Ability to participate as a member of a team, assisting in other projects as needed or as assigned.
BENEFITS WE OFFER
Paid Time Off (PTO)
Paid Holidays (11 of them!)
Medical, Dental, & Vision
401K w/Match
Life Insurance
Transportation Stipend
& Many More!

Keywords: Idaho Trust Bank, Boise , Sr. Credit Analyst, Accounting, Auditing , Boise, Idaho