Jobs in Idaho 2026 (Now Hiring) - Smart Auto Apply

If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.

This is a hybrid position can be based in Bend, OR; Boise, ID; Coeur d'Alene, ID; Denver, CO; Sioux Falls, SD; Spokane, WA or Billings, MT.

What's Important to You

We know your career is just one aspect of a meaningful, complex, and demanding life. That's why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.

• Generous Paid Time Off (PTO) in addition to paid federal holidays.
• Student debt employer repayment program.
• 401(k) retirement plan with a 6% match.
• The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it.

We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate.

SUMMARY

The SBA Credit Analyst III is primarily responsible for underwriting SBA 7a loans (over $500,000) and SBA Express lines of credit and will effectively interact with SBA Loan Specialists and Relationship Managers to provide information and assistance regarding outcomes on application decisions. This position will follow established guidelines and procedures and will have advanced knowledge of credit policy, bank products, and SBA Standard Operating Procedures (SOP), including program requirements for 7(a) loan products. This position may also assist with portfolio management and credit quality monitoring, the development and implementation of policies and procedures, and assisting in the training and mentoring of other Credit Analysts. This position must have advanced underwriting knowledge in order to complete more complex SBA loans that may be outside of Credit Analyst II's capabilities.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Maintain extensive knowledge of current SBA policy as well as any updates provided through procedural notices.
• Reads, reviews, and understands various financial statements, including but not limited to 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.
• Prepares SBA Specific financial spreads for various types of commercial and real estate businesses and individuals acting as direct obligation borrowers or guarantors.
• Analyzes credit worthiness of commercial applicants and guarantors as appropriate by reviewing the loan application, spreading historical and projection based financial statements, calculating cash flows, leverage, and liquidity ratios, evaluating collateral, conducting research on the borrower(s) and key industries, and identifying risks.
• Analyzes findings and authors a comprehensive report of analysis using a mix of data analysis (charts, formulas, graphs, etc.) and written narrative.
• Evaluates credit quality and suggests a proper risk rating based on analysis of most recent financial information.
• Possesses proficiency relative to credit transactions and analytical skills sufficient to enable independent underwriting of commercial requests for streamlined to moderate complexity requests with limited guidance from the immediate manager.
• Ensures compliance with applicable regulations and keeps up to date with changes in federal regulations and FIB credit policy requirements.
• Completes financial performance metric covenant testing utilizing prepared financial spreads.
• Participates in a quality control program that provides for the monthly review of general forms, spreads, and analysis with the provision of feedback and mentoring.
• Participates in the production and development of training materials and assists with the delivery of training through various channels.
• Partakes in a mentorship program with lower-level analysts to assist in guidance and the overall development of credit acumen.
• Acts as a resource for Relationship Managers and other analysts for questions relating to loan policy, loan structuring, and underwriting recommendations.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

KNOWLEDGE, SKILLS AND ABILITIES

• Possess strong organization and time management skills.
• Possess excellent written and verbal skills.
• Ability to develop and maintain internal and external relationships with individuals such as SBA Loan Specialists, Relationship Managers, Credit Officers, and Risk Management Personnel.
• Ability to work in a fast-paced environment, set priorities, and establish and meet strict deadlines with the flexibility to adapt quickly to changing priorities.
• Be self-motivated and possess the ability to assist with credit risk decisions.
• Possess strong analytical and problem-solving skills, as well as attention to detail.
• Ability to prioritize and work with others in an integrated way to achieve individual objectives and team results with flexibility to adapt to changing volumes, requirements, and areas of focus.
• Proficiency with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint.
• Proficiency with financial spread software.
• Ability to acclimate quickly to other programs.
• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to create comprehensive reports, business correspondence, and procedure manuals.
• Ability to effectively present complex information succinctly and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
• Ability to apply concepts of basic algebra and geometry.
• Ability to create, interpret, and explain spreadsheet analysis.
• Ability to apply a common sense understanding to carry out instructions furnished in written, oral, or diagram form.
• Ability to deal with complex problems involving several concrete variables in standardized situations.
• Review commercial loan applications to assess SBA eligibility and complete/document the bank's credit elsewhere certification within the Commercial Lending Center.
• Demonstrated ability to structure complex credits, thorough understanding of SBA Standard Operating Procedures (SOP) and policy requirements, strong leadership skills, strong computer skills, excellent analytical skills, and understanding of financial statement analysis, key financial ratios, and credit evaluation methods.
• Thorough knowledge of commercial activities including, but not limited to, cash flow analysis, collateral analysis, as well as problem loan strategies (including when to refer to Special Assets).
• Strong understanding of compliance requirements, regulatory guidelines, and FIB credit policies and procedures.

EDUCATION AND/OR EXPERIENCE

• High School Diploma or General Education Degree (GED) required
• Bachelor's Degree in Business, Finance, or related field preferred
• 7-9 years banking experience and/or equivalent combination of education and experience required
• Commercial banking experience preferred

PHYSICAL DEMANDS AND WORKING ENVIRONMENT

The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.

• Dexterity of hands/fingers to operate computer keyboard and mouse- Frequently
• Lifting- Occasionally (up to 10 lbs)
• Sitting- Frequently
• Overtime- Subject to business need
• Noise Level- Moderate
• Typical Work Hours- M-F (8-5)
• Regular and Predictable Attendance- Required

COMPENSATION & BENEFITS

We offer a competitive total compensation package including base salary and benefits. The anticipated pay range for this position is $32.63 to $50.61 per hour (in CO & WA) and depends on a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills and experience, education, and geographic location. Additionally, this role is eligible to receive annual discretionary cash bonuses. Benefits available for this position include, but are not limited to, medical, dental, vision, short-term and long-term disability benefits and life insurance, flexible spending accounts, health savings account, employee assistance program, 401(k), Paid Time Off (new hires accrue at .069 per hours worked which equates to approximately 18 days per year inclusive of paid sick time) and up to 11 paid Federal holidays. Please note this information is provided for those hired in Colorado and Washington only, and this role is open to candidates outside of Colorado and Washington with compensation that aligns with your location. For more information regarding our benefits, please visit https://www.firstinterstatebank.com/company/about/employee-benefits.php.

If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.