Teams at First Interstate

Manages a complex commercial loan portfolio exceeding $100 million, including at least 35 banking relationships and $1.8 million in revenue. Develops new business, builds client and referral relationships, analyzes credit, underwrites and structures loans, manages portfolio risk, and ensures regulatory compliance. Advises business clients on financial products, identifies cross-selling opportunities, participates in community business development, and may mentor employees or contribute to strategic discussions.

Analyzes commercial credit applications by reviewing financial statements, tax returns, cash flows, ratios, collateral, industry information, and borrower risks. Prepares financial spreads and comprehensive underwriting reports, recommends risk ratings and credit structures, performs covenant testing, supports relationship managers, monitors classified relationships, ensures regulatory and policy compliance, and participates in quality control and mentoring activities.

The Credit Analyst III evaluates commercial and real estate credit requests by spreading financial statements, analyzing cash flow, leverage, liquidity, collateral, industry conditions, and borrower risks. The role prepares comprehensive underwriting reports, recommends risk ratings and credit structures, performs covenant testing, supports portfolio monitoring, ensures regulatory and policy compliance, and independently underwrites complex requests. Additional responsibilities include quality control, analyst mentoring, training development, and advising relationship managers on loan policy and underwriting.