OPPORTUNITY BANK OF MONTANA Credit Analyst in HELENA, Montana

Core Competencies Demonstrated ability: To maintain confidentiality To provide excellent customer service To handle stress and meet deadlines/goals To work independently and as a team member To perform basic math functions In attention to detail and accuracy In computer use including Microsoft Office Suite In oral communication and interpersonal skills In judgment and decision-making In analytical and problem-solving skills In time management To identify and present appropriate credit solutions To analyze financial statements and tax returns Physical Requirements Ability to: sit for extended periods of time use telephone frequently extensive use of computer screen normal or correctable to normal vision and hearing reach, stand and walk on frequent basis lift and carry up to 20 pounds on occasional basis kneel, crouch and climb on occasional basis (Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions) Environmental Demands: Exposed to potential hazard of robbery – position receives detailed instructions to minimize risk Education and Experience Requirements: High school diploma or equivalent Education and Experience Preferences: 4-year college degree (accounting, business, finance, management or related) or 2 years of relevant college coursework and 2 years relevant experience - or equivalent combination of education & experience General knowledge of lending principles, Knowledge of basic accounting functions and terminology FLSA Status: Eligible for overtime pay Work Hours: Typical schedule may be varied and flexible Monday-Friday between 7:30 a.m. – 6:30 p.m. with flexible hours as needed during peak times, vacations, and sick leave. Some job positions regularly work Saturday shifts and supervisor will advise if applicable to this job position. Employee may also be required to work extended hours on an occasional basis in order to fulfill job duties and responsibilities as outlined in Essential Functions & Key Areas of Responsibility. Essential Functions & Key Areas of Responsibility Analyze customer personal and business financial information. Prepare loan presentation write ups. Analyze loan data on new, renewal and existing loans including data provided by credit bureau and other financial institutions. Oversee and manage Bank's files to assure current reports, statements, accounts receivable and other information on customer accounts. Contact customers to request updated financial, tax, and insurance information. Prepare spreadsheets, reports, summaries and opinions for Bank's lending officers on new, renewal and existing loans. Make customer calls, send letters, and participate in collection activities. Prepare SBA, Rural Development, and other guaranteed loan program packages. Monitor annual reviews of credits within the portfolio. Provide technical advice and assistance to loan officers as needed. Meet with consumer loan customers. Perform other related duties as assigned.