Sr. Credit Analyst
Company: Idaho Trust Bank
Posted on: January 13, 2022
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
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
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.
Work well with team partners to review submitted requests timely,
and respond with follow-up requests and necessary disclosures, as
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,
Audit files to ensure accuracy and completeness of
THE SKILLS WE ARE LOOKING FOR
Bachelor's degree in Accounting, Finance or Economics
Strong understanding of Financial Accounting.
Experience in C & I, CRE, Consumer and Private Banking.
Strong written and verbal communications with emphasis on being
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
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
& Many More!
Keywords: Idaho Trust Bank, Boise , Sr. Credit Analyst, Accounting, Auditing , Boise, Idaho
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