Commercial Banking Credit Analyst - Denver, CO

About the role

Vectra Bank Colorado is excited to offer an opportunity as a Commercial Banking Credit Analyst. This role requires a Bachelor's degree in finance, business, accounting or a related field and 1+ years of credit/financial analysis, lending, underwriting or other directly related experience.

Responsibilities

• Conducts credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to Community Banking commercial loans
• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches
• Understands the loan request and the business relationship, ensuring the accuracy and completeness of financial information received for loan renewals
• Analyzes financial statements and related material and makes recommendations for approvals of credits
• Analyzes financial conditions and trends; reviews and reports non-compliance with loan covenants
• Determines cash flow using appropriate tax analysis
• Prepares summaries, presents facts, and offers opinions concerning creditworthiness and any risk items or issues
• Provides credit information and references for customers, loan officers, or other agencies as requested
• Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed
• Keeps abreast of all new credit regulations and laws and ensures compliance with such
• May assist with projects as needed

Qualifications

• Requires a Bachelor's in finance, business, accounting or a related field and 1+ years credit/financial analysis, lending, underwriting or other directly related experience
• Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles
• Some experience working with various types of loans
• Basic working knowledge of credit risk, legal and regulatory requirements
• Ability to work with lending officers and staff
• Good client relationship and communication skills, both verbal and written
• Ability to make sound decisions and recommendations regarding loans
• Working knowledge of computer software programs including spreadsheets, word processing, etc. required

Benefits

• Medical, Dental and Vision Insurance – START DAY ONE!
• Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
• Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits, including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products

Pay

This position offers a base salary range of $75,000 to $95,000 annually, commensurate with job-related factors such as experience and geographic location, and includes eligibility for an incentive plan. Final compensation will be determined based on a variety of factors, including, but not limited to, relevant experience, skills, expertise, location, education, and certifications.

Schedule

This position is in-office 5 days a week and does not offer a hybrid or remote schedule.