Commercial Banking Credit Analyst - Denver

Introduction

At Vectra Bank, the Rocky Mountain region is a part of who we are, and we understand why families and businesses choose to live, grow, and play here. Consistently recognized as a Top Workplace by The Denver Post , we offer our customers and employees the best of both worlds: broad reach and depth of financial resources alongside unparalleled personal attention.

At Vectra, we think creatively of shaping custom financial solutions for those raising a family or creating the next great local business. We are as passionate about business as we are about success.

Vectra Bank Colorado is excited to offer an opportunity as a Commercial Banking Credit Analyst in Denver, Colorado to an experienced candidate.

• Conducts credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to loan analysis.

• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.

• Responsible to understand 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 credit-worthiness 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 keeping 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.

• Requires a Bachelor's in finance, business, accounting or a related field and 1+ yrs 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.

This position is eligible to earn a base salary in the range of $70,000 - $85,000 annually depending on job-related factors. Final offer amounts are determined by multiple factors such as but not limited to, level of experience, skills, expertise, location, education, and certifications.

• 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

Req : 069307

To review our Benefits Summary browse here: https://zionsbanc

Equal Opportunity Employer

It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.

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to view applicable Federal, State and/or local employment law posters.