Credit Analyst III

First Interstate

. Independently evaluate and underwrite complex commercial credits, including CRE, C&I, hospitality, municipalities, and other commercial credit types .

Posted 10/14/2026full-timeKalispell • Montana • United StatesSeniorLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in evaluating and underwriting complex commercial credits, including analyzing financial statements and creditworthiness. Proficient in risk assessment, compliance with federal regulations, and mentoring junior analysts.

Highest-signal resume keywords

Credit Risk AssessmentFinancial Statement AnalysisCommercial Banking ExperienceCredit Policy ComplianceMentoring Junior Analysts

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Spread SoftwareCredit Analysis ReportingCash Flow AnalysisLeverage and Liquidity RatiosRisk Rating DeterminationPortfolio ManagementCovenant TestingData AnalysisCreditworthiness EvaluationRegulatory Compliance

Soft Skills

Strong Organization SkillsTime Management SkillsExcellent Written SkillsExcellent Verbal SkillsAnalytical Problem-Solving Skills

Tools & Technologies

Microsoft Office SuiteWordExcelOutlookPowerPoint

Industry Keywords

Commercial Real EstateCommercial and Industrial CreditsMunicipalitiesNon-ProfitsBorrowing Base CertificatesDebt SchedulesCredit Bureau ReportsLease AgreementsAppraisalsFinancial Performance Metrics

About the role

Key responsibilities & impact

Independently evaluate and underwrite complex commercial credits, including CRE, C&I, hospitality, municipalities, and other commercial credit types
Gather, analyze, and interpret personal and business financial statements, projections, and internal/external reports
Review tax returns, balance sheets, profit and loss statements, agings, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, rent rolls, lease agreements, and appraisals
Prepare financial spreads for commercial and real estate businesses, municipalities, non-profits, and individuals acting as borrowers or guarantors
Analyze creditworthiness, cash flows, leverage and liquidity ratios, collateral, borrower and industry research, and risks
Author comprehensive credit analysis reports using data analysis and written narrative
Determine risk ratings and recommend credit approval, modification, renewal, or denial
Identify, evaluate, and mitigate credit risk and policy exceptions
Perform special projects related to credit administration, portfolio management, and regulatory compliance
Ensure compliance with federal regulations and FIB credit policy requirements
Mentor and develop junior analysts as an Anchor Analyst
Assist Relationship Managers with quarterly monitoring reports for classified and criticized commercial relationships
Complete financial performance metric covenant testing
Participate in portfolio management, quality control reviews, training material development, and training delivery
Act as a resource for Relationship Managers and analysts on Loan Policy, loan structuring, and underwriting recommendations

Requirements

What you’ll need

High School Diploma or General Education Degree (GED) required
Bachelor's Degree in Business, Finance, or related field preferred
7-9 years of banking experience and/or equivalent combination of education and experience required
Experience with financial spread software required
Commercial banking experience preferred
Strong organization and time management skills
Excellent written and verbal skills
Strong analytical and problem-solving skills, with attention to detail
Proficient with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint
Able to acclimate quickly to other programs
Ability to independently assess credit risk and support credit actions based on Credit Policy
Regular and predictable attendance required
Typical work hours: M-F (8-5)

Benefits

Comp & perks

Generous Paid Time Off (PTO) in addition to paid federal holidays
Student debt employer repayment program
401(k) retirement plan with a 6% match
Reasonable accommodations for qualified individuals with disabilities