About The Role

Fantastic opportunity to join our Layton Hills Credit team!  Review documentation for Commercial Loan applications and perform thorough analysis of financial and credit information to determine viability of request within the parameters of established policies and procedures and applicable regulatory guidance. Analyze balance sheets, personal financial statements, tax returns, income statements, cash flow statements, and other information using trend, ratio, leverage, projection, and stress techniques to determine adequacy of repayment sources. Review appropriate documents to determine viability of proposed collateral, including appraisals and other evaluations, leases, title reports. Take the lead with the analysis of large and/or complex credits. DUTIES AND RESPONSIBILITIES: * Perform thorough analysis of all credit, financial, and cash flow information to determine viability of repayment for all commercial loan requests * Determine Borrower and Guarantor character and creditworthiness utilizing information from various sources, including personal and business credit reports, legal forums, publications, and internet sources. * Assess and determine repayment ability of all borrowers and guarantors, and from a global perspective through in-depth analysis of tax returns and financial statements, including balance sheet, income statement, direct and indirect cash flow statements, using trend, cash flow, ratio, leverage, and projection analysis, which includes stress testing cash flow using various criteria such as changes in interest rate and vacancy. * Review documentation to determine viability and adequacy of collateral including methods of valuation such as conforming appraisal reports, environmental studies, title reports, UCC searches, leases, and industry and market data, demonstrating an understanding of appropriate methodologies.

• Review and analyze other legal documents such as wills, trusts, corporation articles and by-laws, partnership agreements, and other information as necessary to fully underwrite the loan.
• Complete Credit Presentation in a timely manner for submission to Commercial Credit Administration and/or Commercial Loan Committee. Credit Presentation should contain all information necessary for Approving Officers to make an informed recommendation, including Borrowing Cause, Borrower structure and background, all repayments sources, financial statement analysis, collateral analysis, identification of all repayment sources (primary, secondary, and tertiary) analysis of risks to repayment, mitigating factors, recommendation for loan structure, pricing, repayment terms, loan risk grade, and covenant / annual review requirements.
• Possess thorough knowledge and understanding of Loan Policy and related Procedures and appropriate regulatory guidance.
• Assist Loan Officers by performing Annual Reviews of existing loans in accordance with established policies and procedures.
• Regular and predictable attendance in order to accomplish, among other things, in-person contact with customers.
• Adheres to all Bank Code of Conduct standards. Performs duties in compliance with regulatory requirements including, but not limited to, the Bank Secrecy Act.
• Other duties as assigned. About You

QUALIFICATIONS: Please note: Selected candidate will be placed in a level II or III according to required related experience. * Bachelor's... For full info follow application link.

Glacier Bancorp is 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, age, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.

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