Credit Analyst

Join Our Team as a Credit Analyst!

Who We Are:
At Heritage Bank of Nevada, we're more than just a community bank-we're a team that values the success of our people and our communities. We offer competitive pay, work-life balance, and a culture focused on career growth and development. Ready to be part of a team that truly makes a difference? Let's chat!

What You'll Do:
As a Credit Analyst, you'll be at the heart of our lending decisions, ensuring that we extend credit responsibly and manage risk effectively. Working closely with our loan officers, you'll play a key role in analyzing loan applications and assessing creditworthiness to help our customers achieve their financial goals. Here's what you can expect day-to-day:

Key Responsibilities:

• Work 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.

What We're Looking For:

Education: A Bachelor's degree in Accounting, Finance, or a related field (or you're a current Junior/Senior accounting major).

Skills & Expertise:

• Strong communication skills. Ability to write reports and business correspondence.
• Analytical mindset. 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.
• Detail oriented. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

What You'll Enjoy About Us:

• Competitive Pay: We offer a salary that's as competitive as it is rewarding.

• Work-Life Balance: Enjoy flexibility to maintain the life balance you deserve.

• Career Growth: We're all about helping you grow-whether it's through mentorship, development programs, or new career paths.

• Great Environment: Work in a supportive, friendly team where you can truly make a difference.

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 sit; use hands to operate a computer, and talk or hear. The employee is occasionally required to walk; stand; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 20 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.

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.