Senior Credit Analyst
Company: American Bank Montana
Location: Bozeman
Posted on: April 1, 2026
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Job Description:
Join the American Bank team! We are a small, privately-owned
community bank that delivers high-quality experiences tailored to
each individual and business. We empower our employees to work in
the best interest of customers, give back to their communities, and
maintain a healthy work-life balance. We also value creating an
enjoyable atmosphere and engaging environment. Please Consider
Applying Through This Link:
https://americanbankmontana.bamboohr.com/jobs/ Reports To:
Portfolio Manager/Chief Credit Officer Position Status: Full-time,
Exempt Position Summary: Senior Credit Analysts have a strong
background in finance and risk assessment, as they are key players
in deciding the level of risk the bank is taking when extending
credit. They will be expected to evaluate a customer’s credit
background, work with appraisers, support loan officers with
analysis, and other tasks that supplement the lending division and
bank. Benefits: Comprehensive Health Insurance (Medical, Dental,
Vision) Company-Sponsored and Voluntary supplemental insurance
options (Life, Disability, Accident, & more) 401k (5% match!) Paid
Time Off 11 Paid Banking Holidays Paid Volunteer Time Off Paid
On-the-Job Training! Continuing education and development
opportunities. Opportunity to work alongside coworkers who are
dedicated to building strong relationships and investing in the
neighborhoods we proudly serve. Discounted banking products, and
numerous other employee benefits! Key Responsibilities: Perform
advanced financial statement analyses, tax return spreading and
analysis, and cash flow modeling to support lending decisions.
Prepare and author credit memorandums supporting loan structure,
risk assessment, and credit recommendations. Perform real estate
property evaluations. Support appraisal processes, including
coordinating with appraisers, drafting engagement letters, and
ordering appraisals to meet required timelines. Support loan
portfolio monitoring, including tracking and resolving loan tickler
expectations. Assist with preparation of problem loan reports and
asset improvement plans. Support construction loan administration
and monitoring. Assist loan officers with file management to adhere
to legal, regulatory and industry standards for audits, reviews,
and exams. Coordinate loan documentation imaging and file
maintenance with the Loan Center. Perform quarterly OREO and
impaired assets (FAS 114) value confirmations. Support Allowance
for Credit Losses (ACL) data preparation and maintenance.
Participate in community and professional organizations to support
the Bank’s community presence. Satisfactorily complete all required
compliance bank training and comply with all regulations which
apply within the scope of the position. Other duties as assigned by
management. Qualifications: Education: Bachelor’s degree in
Accounting, Economics, Finance, Statistics, or Mathematics
required. Experience: Three to five years of related experience
required. Skills: Strong interpersonal and relationship-building
skills, with high emotional intelligence. Strong verbal and written
communication skills, including the ability to clearly present
financial and credit analysis. Excellent organizational skills with
exceptional attention to detail and accuracy. Advanced analytical
and problem-solving skills, with strong critical thinking and a
commitment for continuous improvement and quality outcomes. Ability
to effectively prioritize workload, manage multiple deadlines, and
delegate tasks when appropriate. Advanced proficiency with
Microsoft Office Suite, including strong Excel and financial
spreading or credit analysis software skills. Work Environment:
Work environment is indoors in a clean atmosphere with normal noise
levels. Ability to work under time constraints and pressure is
required. Exposed to a potentially hazardous condition – robbery.
Receives detailed instructions and procedures to be followed to
minimize the risk. Normal hours of work Monday-Friday 8:00AM –
5:00PM or as necessary to complete duties. Essential Functions:
Critical sensory abilities are seeing, hearing/listening, touching,
and speaking. Mental effort requirements include reading, writing,
basic arithmetic, mathematics, visualizing conclusions, analyzing
data, searching for solutions, creating methodologies, conducting
research, and managing resources. Physical dexterity requirements
include operating general office equipment such as telephone,
computer, calculator, photocopier, and postage machine. Physical
ability to stand, walk, sit, climb stairs, balance, stoop, kneel,
crouch, or crawl. Physical requirements include standing for long
periods when providing customer service, sitting, walking, and must
be able to lift and carry 30 lbs. waist high and 20 lbs. shoulder
high. Travel Requirements: I understand that even though my primary
work assignment will be in the Bozeman West branch; I agree to go
to any other location requested by management. I understand that
such temporary re-assignment will require the use of my personal
vehicle. If I am requested to spend the entire day at a non-primary
location, American Bank will pay for my time spent traveling which
is inclusive from the time I leave my home to the time I return to
my home. In addition, any time that I use my personal vehicle in
such travel, I understand that American Bank will reimburse my
mileage at the current designated IRS mileage reimbursement rate.
Pay Grade: 13 The above statements are intended to describe the
general nature and level of work being performed by people assigned
to this position. They are not intended to be construed as an
exhaustive list of all responsibilities, duties and skills required
of personnel so classified.
Keywords: American Bank Montana, Bozeman , Senior Credit Analyst, Accounting, Auditing , Bozeman, Montana
