Portfolio Manager

First Bank of Montana is hiring a Credit Analyst to be an integral part of our team. The position will be located in our Choteau, Montana! Do you have analytical skills and are interested in learning and growing within the banking field? This is the opportunity for you! This position involves providing loan support for loan officers across the bank division and requires a positive attitude and great customer service skills. The ability to work in a team atmosphere and promote the bank's products and services is required. Professionalism, confidentiality, good attendance, punctuality, flexibility and adaptability are a must!

DUTIES AND RESPONSIBILITIES:

The successful candidate will have extensive contact with bank staff as well as with external customers.. He/She will be expected to conduct him/herself in a manner that will enhance the overall efficiency and image of the bank. It will be required to build and maintain rapport with co-workers and customers in order to complete tasks in a timely manner while following all policy and regulatory requirements.

Must comply with applicable laws and regulations, including but not limited to, the Dodd-Frank Act, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a score of 85% or greater by due date.

Credit Portfolio Manager Essential Functions:

• Participate directly in lending activities, including assisting with loan structuring, pricing, and supporting loan officers in presenting credit requests.
• Support loan officers in gathering financial information, preparing lending packages, and ensuring files are complete for loan committee review.
• Assist in identifying new lending opportunities within assigned portfolios and engage with customers regarding potential credit needs.
• Manage an assigned portfolio of commercial credits, including monitoring maturities, renewals, loan covenants, annual reviews, and potential risk concerns.
• Assist in collecting customer monitoring requirements such as borrowing base certificates and financial reporting.
• Identify concerns or deteriorating trends in credits and escalate appropriately.
• Support Relationship Managers with portfolio management involving credit, deposit, and treasury services.
• Structure and underwrite commercial loans and agricultural loans.
• Spread and analyze financial statements and tax returns using approved tools and credit criteria.
• Prepare, review, and submit pre-underwriting analyses and credit authorizations.
• Maintain a pipeline of loans, ensuring organized and timely completion of tasks.
• Communicate professionally with customers to request financials, respond to questions, and ensure timely follow-up.
• Participate in meetings with existing or prospective customers as needed.
• Ensure compliance with Reg B, CRA, HMDA, and Adverse Action requirements.
• Work with credit, loan assistant, and loan operations teams to ensure accurate documentation and timely processing.
• Understand loan closing processes and ensure smooth movement of requests through the loan department.
• Complete annual term loan reviews and assist with problem loan reports.
• Participate in community involvement and bank-sponsored activities as appropriate.
• Maintain professional appearance, confidentiality, and positive conduct in all interactions.

Other Job Functions:

• Perform job functions in compliance with all company policies and procedures, federal and state rules and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC and GLBA/privacy rules.
• Keep management appropriately informed of area activities and of any significant problems.
• Participate in community service and bank sponsored activities that serve and support the mission and values of First Bank of Montana.
• Provide superior internal and external customer service: must demonstrate self-governance, courtesy, and respect toward external customers as well as internal customers (all organization personnel).
• Represent First Bank of Montana in a professional manner which includes a professional image, confidentiality, a positive "can-do" attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attend and participate in meetings as required.
• Regular and predictable attendance is an essential function of this job in order to accomplish, among other things, in-person contact with customers and lenders.
• Additional duties as requested or assigned.

QUALIFICATIONS:

• High school diploma or equivalent
• Undergraduate degree is business, finance, economics, or related field preferred
• Three years of commercial credit analysis experience
• Three years of commercial lending or commercial banking experience

KNOWLEDGE, SKILL, ABILITY:

• Extensive knowledge of commercial credit policy, regulations, and credit quality standards.E
• Extensive knowledge of commercial credit policy, regulations, and credit quality standards.
• Strong analytical skills; ability to interpret financial statements and tax returns.
• Proficient in Microsoft Word, Excel, and related systems.
• Ability to communicate clearly and professionally, both verbally and in writing.
• Strong organizational ability with effective prioritization and multi-tasking skills.
• Ability to maintain cooperative working relationships and represent the bank professionally.
• Strict confidentiality regarding customer and bank information.
• Comfort in communicating with customers regarding financial documentation, underwriting questions, and follow-up.
• Broad knowledge of bank products, including commercial loans, deposits, consumer/mortgage products, and treasury services.
• Understanding of credit, loan assistant functions, and loan operations workflow.

WORK ENVIRONMENT:

• Must be able to routinely perform work indoors in climate-controlled shared work area with minimal 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, balance, stoop, kneel, crouch, crawl, push, and pull.

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: Light work. The employee is constantly required to stand and walk. Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force 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.

Must be capable of occasional travel (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.

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. 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.