Corporate Lending Credit Analyst Jr, Full, or Senior Colorado Springs, CO

The Corporate Lending Credit Analyst Junior role will support the Corporate Banking Officers in providing thorough and accurate financial company risk and industry analysis on borrowers and by servicing credit relationships. The position is responsible for performing independent underwriting analysis on credit requests and analyzing the repayment capacity of new applicants and existing obligors monitoring borrower compliance with approved terms performing portfolio management tasks and analysis and assisting in the administration of credit relationships. At this level the incumbent is being introduced to the various methods used to effectively control Ents potential risk in corporate lending and making recommendations on existing / new applicant decisions.

Essential Functions

• Analysis: Analyze the financial condition of businesses and individuals evaluate the quality and sufficiency of various sources of repayment collateral and the appropriateness of credit structures for new loan and renewal requests. Interpret and analyze applicants business plan financial statements and related materials being mindful of credit union procedures and credit policy. Make recommendations to the Corporate Lending team. Maintains a working knowledge of the banks lending policies procedures and philosophies toward various types of loans.
• Risk Monitoring: Monitor existing loan relationships for compliance and changes in risk profiles. Prepare loan presentations with guidance from Corporate Banking Officers (who will provide adequate details of the credit structure management evaluation and the background of the business and industry) provide assessment and adequacy of deal structure risk ratings and creditworthiness and participate in presentation and/or present loans to the approving authority. Participate in the appraisal and environmental due diligence required within the department. Assists with audits and credit examinations portfolio and borrower stress testing risk rating reviews covenant compliance portfolio analysis and other duties as assigned.
• Collaboration: Support lending officers with the narrative underwriting of basic credit requests and renewals. Assist lenders and loan administration staff in loan closing activities.
• Bank Secrecy Act: Remains cognizant of and adheres to Ent policies and procedures and regulations pertaining to the Bank Secrecy Act.

The Corporate Lending Credit Analyst role will support the Corporate Banking Officers in providing thorough and accurate financial company risk and industry analysis on borrowers and by servicing credit relationships. The position is responsible for performing independent underwriting analysis on credit requests and analyzing the repayment capacity of new applicants and existing obligors monitoring borrower compliance with approved terms performing portfolio management tasks and analysis and assisting in the administration of credit relationships.

Essential Functions

• Analysis: Analyze the financial condition of businesses and individuals evaluate the quality and sufficiency of various sources of repayment collateral and the appropriateness of credit structures for new loan and renewal requests. Interpret and analyze applicants business plan financial statements and related materials being mindful of credit union procedures and credit policy. Make recommendations to the Corporate Lending team. Maintain a working knowledge of the banks lending policies procedures and philosophies toward various types of loans.

• Risk Monitoring: Monitor existing loan relationships for compliance and changes in risk profiles. Prepare loan presentations with guidance from Corporate Banking Officers (who will provide adequate details of the credit structure management evaluation and the background of the business and industry) provide assessment and adequacy of deal structure risk ratings and creditworthiness and participate in presentation and/or present loans to the approving authority. Participate in the appraisal and environmental due diligence required within the department.  Assists with audits and credit examinations portfolio and borrower stress testing risk rating reviews covenant compliance portfolio analysis and other duties as assigned.

• Collaboration: Support lending officers with the narrative underwriting of basic credit requests and renewals. Assist lenders and loan administration staff in loan closing activities.

The Corporate Lending Credit Analyst Senior  role will support the Corporate Banking Officers in providing thorough and accurate financial company risk and industry analysis on borrowers and by servicing credit relationships. The position is responsible for performing independent underwriting analysis on credit requests and analyzing the repayment capacity of new applicants and existing obligors monitoring borrower compliance with approved terms performing portfolio management tasks and analysis and assisting in the administration of credit relationships.  In addition it will serve in a mentoring and leadership role for less seasoned credit analysts. 

• Analysis: Analyze the financial condition of businesses and individuals evaluate the quality and sufficiency of various sources of repayment collateral and the appropriateness of credit structures for new loan and renewal requests. Interpret and analyze applicants business plan financial statements and related materials being mindful of credit union procedures and credit policy. Make recommendations to the Corporate Lending team. Maintain a working knowledge of the banks lending policies procedures and philosophies toward various types of loans.

• Subject Mater Expert / Staff Development: Mentor and provide guidance to less seasoned credit analysts to ensure standardization of process efficiency and staff development.

• Risk Monitoring: Monitor existing loan relationships for compliance and changes in risk profiles. 

  Prepare loan presentations with guidance from Corporate Banking Officers (who will provide adequate details of the credit structure management evaluation and the background of the business and industry) provide assessment and adequacy of deal structure risk ratings and creditworthiness and participate in presentation and/or present loans to the approving authority. Participate in the appraisal and environmental due diligence required within the department. Assists with audits and credit examinations portfolio and borrower stress testing risk rating reviews covenant compliance portfolio analysis and other duties as assigned.

• Collaboration: Support lending officers with the narrative underwriting of basic credit requests and renewals. Assist lenders and loan administration staff in loan closing activities.

Qualifications :

Minimum Formal Qualifications for the Corporate Lending Credit Analyst Junior:

• Bachelors Degree in Accounting Business Administration Finance Financial Engineering Statistics Economics Risk Management Banking and Financial Services.
• 1 years general business administration / accounting / finance or similar business operations experience. Preferred

Minimum Formal Qualifications for the Corporate Lending Credit Analyst:

• Bachelors Degree in Accounting Business Administration Finance Financial Engineering Statistics Economics Risk Management Banking and Financial Services.
• 3 years general business administration / accounting / finance or similar business operations experience. Required.

Minimum Formal Qualifications for the Corporate Lending Credit Analyst Senior:

• Bachelors Degree in Accounting Business Administration Finance Financial Engineering Statistics Economics Risk Management Banking and Financial Services.
• 5 years general business administration / accounting / finance or similar business operations experience. Required.
• 3 years experience as a credit analyst at a financial institution. Preferred.

Technical or Specialized Knowledge/Skills:

• Knowledge of business structures industries and member relationship management.
• Basic knowledge of the skills and tools used in business lending risk & financial analysis.
• Experience in sales related activity.
• Strong member service skills.
• Strong Excel/Word skills.
• Strong Computer skills.
• Demonstrated ability to learn quickly think independently and be coachable.
• (preferred) Knowledge of accounting/finance principles.

Certifications Required:

• None

Environmental Physical and Psychological Requirements

• Standing - Occasionally
• Walking - Occasionally
• Sitting - Frequently
• Lifting - Rarely (40 Lbs)
• Carrying - Rarely
• Pushing - Rarely
• Pulling - Rarely
• Balancing - Rarely
• Stooping - Rarely
• Kneeling - Rarely
• Crouching - Rarely
• Crawling - Rarely
• Reaching - Occasionally
• Handling - Occasionally
• Grasping - Occasionally
• Feeling - Occasionally
• Talking - Frequently
• Hearing - Frequently
• Repetitive Motions - Frequently
• Eye/Hand/Foot Coordination - Occasionally
• Noises louder than normal speaking volume - Occasionally
• Temperature Changes - Rarely
• Atmospheric Conditions - Rarely

Additional Information :

The pay range for Corporate Lending Credit Analyst Junior is: $25.58 to $29.19 per Hour (S13)

The pay range for Corporate Lending Credit Analyst is: $29.28 to $33.39 per Hour (S14)

The pay range for Corporate Lending Credit Analyst Senior is: $34.80 to $39.57 per Hour (S15)

Final compensation for this position will be determined by various factors such as relevant work experience specific skills and competencies education certifications and internal pay equity.

This position is eligible for our corporate bonus program based on company performance.

Benefits Summary Sheet

At Ent Credit Union we offer a comprehensive benefits package including:

• Health Benefits: Affordable insurance 24/7 doctor access and a nationwide provider network.
• 401(k): 3% automatic contribution after three months plus up to 6% matching.
• Paid Time Off: During your first year enjoy 16 days of paid time off (PTO) plus 9 paid holidays. And it grows from there.
• Volunteer Time Off: Paid time off to give back to the community.
• Education Support: Up to $10000 annually for higher education and assistance for certifications.
• Exclusive Discounts: Significant savings on home car and personal loans.
  
  For more information about our outstanding benefits please visit our careers page at anticipate this position to close on 11/03/2025. Please submit your application at your earliest convenience to be considered.
  
  Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
  
  The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about discussed or disclosed their own pay or the pay of another employee or applicant. However employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information unless the disclosure is (a) in response to a formal complaint or charge (b) in furtherance of an investigation proceeding hearing or action including an investigation conducted by the employer or (c) consistent with the contractors legal duty to furnish information. 41 CFR 60-1.35(c)
   

Remote Work :

No

Employment Type :

Full-time