Credit Analyst

Serving Eastern and Northern Colorado, High Plains Bank is an authentic, community-driven bank. We are compassionate problem-solvers and craft bankers, committed to understanding the unique needs of each customer and tailoring solutions to optimize their financial well-being. We empower each other as leaders and embrace a growth mindset, fostering a supportive environment where everyone feels valued, has the opportunity to thrive, and the ability to get things done.

About the role

We are seeking a Credit Analyst with commercial underwriting experience who has the capacity to be creative; taking the time to understand each customer’s unique needs while mitigating risk. Your mission is to develop narratives that tell financial stories, based on a deep understanding of what can be learned from financial documents.

As a Credit Analyst, you will take the lead to spread and analyze financials for a portfolio rooted in commercial business and agricultural operations. You will assemble loan presentations and provide ongoing risk mitigation through loan reviews and covenant testing. You'll collaborate closely with relationship managers to grasp the intricacies of each customer's needs, occasionally attending customer meetings to ensure understanding of the terms and conditions negotiated. Working with relationship assistants, you'll ensure all necessary documents are collected, from tax returns to credit reports. Your role extends to liaising with the Chief Credit Officer to ensure adherence to loan policies and guidance. You will also assist the Chief Credit Officer in preparing reports for the bank board and bank examiners.

In this role, every day brings new challenges, whether analyzing a manufacturing expansion or an agricultural production line, and opportunities to learn and grow. You'll develop a well-rounded skill set and gain invaluable experience in the financial industry.

Responsibilities

• Provide written financial statement analysis for credit presentation, file comments, and annual reviews.
• Serve as analyst and provide support to lenders for commercial, ag, and consumer loan transactions.
• Review incoming financial statements on assigned loans; construct financial statement spreads; analyze year-end and interim financial statements, including performance ratios.
• Research industry-specific information from outside sources.
• Prepare and/or review real estate evaluations.
• Assist the team in monitoring delinquencies, overdrafts, exceptions, and covenants.
• Review and understand the Loan Policy and related lending policies and procedures to assure requests adhere to guidelines.
• Participate in continuing professional development as appropriate.
• Participation in bank-sponsored community events is encouraged as part of our High Plains Bank culture.

Requirements

• 2+ years of prior underwriting experience for commercial credits.

Skills

• The ability to read, understand, and analyze financial statements.
• Familiarity with Microsoft Office or Google Suite.
• Confidence in communicating effectively with customers and team members.
• Proficiency in written communication.
• Self-managed and detail-oriented.
• Understanding of various lending types: commercial real estate, commercial and industrial real estate, agricultural real estate (desirable).

Benefits

• The opportunity to work for a community-driven, employee-owned business.
• Highly competitive PTO, retirement, and health care.
• Opportunities for growth, development, and learning.
• Tuition reimbursement.

Pay

Target compensation range: $65,000 to $90,000 per year based on experience and qualifications—other factors may be considered.

Schedule

• In person at one of our 5 locations in Colorado.
• 8:00 AM – 5:00 PM, Monday – Friday.

Physical Requirements

Prolonged periods of sitting at a desk and working on a computer.