Commercial Banking Credit Analyst Denver, CO

At Vectra Bank were proud to serve the Rocky Mountain region with the strength of a large financial institution and the personal touch of a community bank. Recognized as a Top Workplace we combine deep resources with attentive relationshipdriven service to support families businesses and the communities we call home.

Were committed to creating a great place to build a career welcoming employees whose talent drive and diverse perspectives help us deliver custom financial solutions. With dayone benefits ample growth opportunities and a culture centered on listening collaboration and care Vectra Bank is a place to grow thrive and make a meaningful impact. We believe we are Big enough to count and small enough to care.

With benefits starting on day one over 11 bank holidays and a company committed to career growth and advancement we are dedicated to being an employer of choice in our industry and community. At Vectra Bank the possibilities are endless come for a job stay for a career.

Vectra Bank Colorado is excited to offer an opportunity as aCommercial Banking Credit Analyst.

Essential Functions

• 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
• Responsible to understand of the loan request and the business relationship ensures 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
• Ensures that all credit files include current financial statements agency reports etc.
• May make recommendations for loan structure
• Maintains control over current accounts noting payment progress watching for any developing problems and keep loan officers informed
• Keeps abreast of all new credit regulations and laws and ensures compliance with such
• May assist with projects as needed
• Other duties as assigned

Qualifications

• Requires a Bachelors in finance business accounting or a related field and 1 years credit/financial analysis lending underwriting or other directly related experience. A combination of education and experience may meet job requirements
• 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

Were looking for someone who is energized by the opportunity to be part of a high-performing motivated team led by respected and accomplished leaders. The ideal candidate is proactive confident and brings a positive can-do attitude to everything they do. This person thrives in a professional environment builds strong relationships and inspires others to contribute to the departments success. A passion for driving results supporting strategic initiatives and contributing to loan growth is essential.

Compensation

This position offers a base salary range of $75000 to $95000 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.

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

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