Credit Review Officer - Billings West, Billings, MT

  • Stockman Bank
  • Jul 19, 2021
Full time Banking

Job Description


Our people, philosophy and the way we do business have positioned Stockman Bank as Montana’s premier financial center for business leaders, agriculture operators, commercial developers and real estate owners. We are a Montana-born company, built on western values, focused on creating long-standing relationships through integrity, expertise and results. Our offices are locally managed and community-oriented, allowing us to best serve our customers. Our workforce is well trained and competent and our work environment encourages productivity, personal growth and job satisfaction.  

Position General Responsibilities:

Under the direction of the Audit Director, perform credit review of agricultural, commercial, consumer and real estate loans to assess credit quality, the reasonableness of the risk ratings assigned and the level of adherence to sound lending practices and to the Bank’s loan policy and underwriting procedures. Position requires approximately 40-50% travel, including overnight travel. Knowledge of financial statement and cash flow analysis is necessary for job success. Well developed interpersonal communication skills and ability to maintain confidentiality is critical.

Employees Supervised:


Education, Experience and Certification Requirements

Note:  Only minimum responsibilities are listed.  Other responsibilities may be required as requested by management.

Basic Qualifications:

  1.      Strong commitment to providing exceptional customer service.
  2.      A college degree in accounting or finance and two years credit review or commercial/agricultural lending experience.  
  3.      Working knowledge of Word, Excel, Access or related software.
  4.      Demonstrated ability to provide information in concise verbal and written formats. 

Specific Skill Requirements:

  1.      Knowledge of financial statement and cash flow analysis and generally accepted accounting principles.
  2.      Familiarity with legal contracts and the Uniform Commercial Code as related to lending and collateral perfection.
  3.      Attention to Detail – noticing errors and gaps; documenting and following up on important details.
  4.      Applied Learning Ability – understanding new information and complex ideas quickly and without confusion.
  5.      Team Playing – willingly collaborating and cooperating with others; developing effective working relationships.
  6.      Professionalism – maintaining a professional attitude, image and work ethic.
  7.      Written and verbal communication skills – ability to concisely and clearly present critical details.

Dimension of Job:

Perform credit review of agricultural, commercial, consumer and real estate loans to assess credit quality, the reasonableness of risk ratings assigned and the level of adherence to sound lending practices and to the Bank’s loan policy and underwriting procedures.


Position Specific Responsibilities, Duties and Competencies

Credit Review Functions:

Perform individual loan file reviews with the following objectives:

To assess the repayment source and collateral protection for funds advanced; determine if the loan was properly approved and closed in accordance with all conditions of the approval; verify that the loan is performing in accordance with its structure and identify weaknesses that could jeopardize the Bank’s ability to collect on the loan.

To review note and security documents to confirm validity of security perfection.

To review the loan officer’s analysis and determine if sufficient information was analyzed to make an informed underwriting judgment and if adequate monitoring of the credit and the borrower’s repayment ability is being performed.

To identify potential areas of non-compliance with Bank policy or regulatory guidelines.

To assess the reasonableness of the risk rating assigned and to provide support for any risk grade changes.

Discuss findings with lenders and prepare written reports with recommendations for corrective action when necessary.

Conduct meetings with Branch Management to discuss overall branch performance and portfolio quality.

Prepare summary reports encompassing assessment of overall portfolio quality, credit administration and documentation accuracy.

Maintain a database of credits reviewed and monitor lender responses and actions for correcting exceptions.



 Work on special projects as requested by the Audit Director.  

Position Specific Responsibilities, Duties and Competencies continued

 Public Relations:

  1.      Promote the improvement of Stockman Bank through quality customer service, promotion of products, professionalism in conduct and diligent work ethic.
  2.      Greet all customers pleasantly and make them feel welcome and comfortable.
  3.      Effectively handle customer questions and problems.


Federal Regulations:

  1.      Maintain a working knowledge of state and federal banking laws and regulations including safety and soundness, lending, consumer compliance, Bank Secrecy, and Community Reinvestment.


Physical and Mental Demands (The 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.)


Occasionally  = 0-33% of shift                       Frequently  = 34-66% of shift               Constantly  = 67-100% of shift


  1.      Constant lifting/carrying up to 25 lbs. Constantly required to stand, walk, sit, talk, hear, write, read and keyboard. The employee is also constantly required to reach with hands and arms, use hands to finger, handle or feel objects and to climb or balance. The employee is also required to climb up and down stairs as the work station is located in the basement of the building.  
  2.      The employee is constantly required to drive a vehicle.  
  3.      While performing the duties of this job, the employee constantly works with time constraints and exercises flexibility (the ability to shift from one task to another).   Constantly maintain attentiveness intensity and duration. Constantly involved in social interactions which constantly require oral communications and constantly require written communications.
  4.      Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and the ability to adjust focus.
  5.      Constant abilities used/required on the job are mathematics, memory, reasoning, estimating, problem-solving and exercising judgment.
  6.      Frequently has guidance available and co-worker support.
  7.      Occasionally the employee must stoop, kneel, crouch, crawl, required to lift and/or move up to 50 lbs and performs routine work with reinforcements available.


Work Environment (The work environment characteristics described here are representative of those an employee will encounter while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)


  1.      Constantly works with indoors where the noise level in the work environment is moderate.
  2.      Frequently works alone, works with others, around others and with customers and the public. Frequently works in confined areas. The employee is at times required to drive to and from each branch office. The employee may also be required to stay at certain branch locations for up to one week as needed.
  3.      Occasionally the employee works extended hours.
  4.      Infrequently the employee is exposed to noise and outdoor weather conditions.


Company Functions and Expectations:

Technical Knowledge

Has the technical knowledge and analytical skills to fulfill job duties in a positive manner. Keeps abreast of new and changing developments in industry/field especially as it pertains to the individual’s position.  Has the ability to analyze situation and react accordingly.



Expresses information/thoughts clearly and concisely in both written and verbal form. Keeps communication channels open with subordinates and supervisors. Responds promptly to calls or inquiries in a courteous and professional manner. Communication is effective and efficient.



Establishes priorities, sets goals and meets deadlines in an accurate and efficient manner. Organizes overall workflow and working area. Quickly identifies problems, makes timely decisions and notifies affected personnel. Plans effectively to ensure timely completion of duties.


Team Work/Professionalism

Is willing to assist others to ensure deadlines are met.   Provides assistance to less experienced personnel when needed. Informs appropriate personnel of significant issues in a timely manner. Works well in group environment and with supervisor. Models professionalism by addressing others with appropriate actions and appearance within professional boundaries.


Customer Service Culture

Employees will strive for outstanding, professional and courteous service to our customers and anyone who visits our facility.