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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. The Credit Analyst 1 will work under the supervision of the Credit Manager/Trainer and will learn to perform tasks such as: Gathering and analyzing financial data from various sources, such as income statements, balance sheets, cash flow statements, credit reports, rent rolls, leases, appraisals, and customer projections.

About the Role:
Join one of the best banks in Arizona. Foothills Bank has been on the list of Top Companies to Work for in Arizona for 4 years in a row! <a href="https://www.foothillsbank.com/about/our-story" rel="noopener nofollow noreferrer" target="_blank" title="Recognitions">Learn More About Our Recognitions!</a> SUMMARY: The Credit Analyst 1 will, through a structured training program, learn to analyze financial information to evaluate the degree of risk related to commercial credit requests. The training program is designed to last approximately 1-3 years depending on prior experience and/or pace of proficiency in the concepts and procedures required to perform the Credit Analyst job. This position is an on-site role, open in the following Arizona regions: Prescott, Lake Havasu, Kingman, Flagstaff, and Bullhead City. TRAINING:  The Credit Analyst 1 will work under the supervision of the Credit Manager/Trainer and will learn to perform tasks such as:<ul><li>Gathering and analyzing financial data from various sources, such as income statements, balance sheets, cash flow statements, credit reports, rent rolls, leases, appraisals, and customer projections.</li><li>Calculating financial ratios and evaluating financial performance of existing business customers and new business customers.</li><li>Assessing the risk level and repayment ability of the borrowers based on their financial performance, credit history, industry trends, market conditions, etc.</li><li>Preparing credit authorizations and recommendations based on the analysis and findings.</li><li>Preparing annual term loan reviews to evaluate financial performance of existing commercial loan customers.</li><li>Communicating with the Lending Officers, to obtain additional information or clarify any issues.</li><li>Following the credit policies and procedures and ensuring compliance with the relevant regulations and standards.</li></ul>DUTIES AND RESPONSIBILITIES:<ul><li>Complete assigned training, both online and real-time (in-person or on training calls) to develop knowledge base in commercial lending, financial statement analysis and risk management.  Attend internal loan committee meetings to gain credit knowledge, understand the bank’s risk appetite, and hear real-time feedback on credit presentations prepared by Credit Analysts and Lending Officers.</li><li>Spread financial statements and tax returns with accuracy to assist Credit Analysts and Lending Officers in analyzing credits. </li><li>Review annual term loan reviews and credit authorizations for proper completion of risk rating scorecards and loan details. Review lending policy, loan documents, and financial statements to learn proper loan structuring.</li><li>Work with analyst and lending teams to complete annual term loan reviews, small dollar amount renewals, and ongoing covenant compliance testing.</li><li>Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.</li></ul>

About You:
QUALIFICATIONS:<ul><li style="color:black">Bachelor's degree in Business or Finance</li></ul> KNOWLEDGE, SKILL, ABILITY:<ul><li>A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. </li><li>Proven analytical and problem-solving abilities.</li><li>Ability to communicate, both orally and in writing, with others in the Bank to perform effective reviews and to report the results.</li><li>Advanced proficiency with various office software. Proficiency in Word, Excel, PowerPoint, Internet Explorer, Email and Calendaring</li></ul>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. The employee may also be required to climb stairs. 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: Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body.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 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.

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Credit Analyst Foothills Bank

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