Credit Analyst I

General Purpose

The Credit Analyst I is an entry-level position involved in underwriting loans with a focus on either commercial or consumer products while closely working with other Credit Analysts and the Credit Analyst Supervisor.

Essential Duties/Responsibilities

• Underwrites loans, with focus on either the commercial or consumer products.
• Executes work following the Bank’s processes and procedures.
• Identifies trends in income and/or cash flow, as well as sources and uses of business cash flow.
• Depending on borrow complexity uses global analysis for both commercial and consumer requests.
• Completes the loan analysis and completes SIMON requirements for the Relationship Manager to review.
• Sets up calls or in-person meetings with the Relationship Manager to discuss the details of the analysis.
• Communicates concerns or questions to the Relationship Manager.
• Identifies missing items or information and communicates that with the Relationship Manager.
• Maintains confidentiality.
• Maintains cash flows and retained earnings.
• Attends Loan Committee meetings to support the Relationship Manager during committee discussions.
• Maintains file goals outlined for the department.

Job Qualifications

• Knowledge, skills, and abilities:
  • Basic knowledge of underwriting, with focus on either commercial or consumer products and policies.
  • General proficiencies with both personal and business spreads.
  • Ability to assess credit risks associated with a loan file.
  • A strong understanding of financials and expertise in accounting and cash flow.
  • Demonstrated ability to work successfully as a team player.
  • Ability to execute job duties with the ability to problem solve and utilize resources.
  • Ability to be a self-starter, work well under pressure, and meet deadlines.
  • Knowledge and ability to implement Alpine Bank’s policies and procedures.
  • Understanding and application of banking compliance regulations.
  • Understanding how to identify problems and willingness to make recommendations to address them.
• Education or formal training:
  • A high school diploma or general educational diploma (GED) equivalency required.
  • A bachelor’s degree (B.A.) in finance or accounting required.
  • A master’s degree (M.A.) or equivalent preferred.
• Experience:
  • A minimum of one (1) year of experience as a bank Credit Analyst with expertise in accounting and cash flow and strong understanding of financials preferred.
  • An equivalent combination of education and experience may be substituted on a year-to-year basis.

Working Conditions

• Working Environment: Professional office environment.
• Physical Activities: Sedentary role, requires close vision, distance vision, color vision, and ability to adjust focus. May lift up to 25 pounds.

Starting Rate of Pay

The starting rate of pay is from $26.00 - $28.84 per hour, depending on experience.

Benefits

For an overview of our employee benefits please visit: Alpine Bank Careers Page

Position Information

Position is anticipated to close on June 22, 2026, or until filled.