Commercial Real Estate Credit Analyst - Denver

Overview

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, play and work here. Recently recognized as one of the Denver Posts Top Workplaces for 2022. Vectra Bank Colorado offers our customers, and our employees, the best of both worlds: a broad reach and depth of financial resources alongside unparalleled personal attention.

At Vectra, we think creatively to shape custom financial solutions for those raising a family or creating the next great local business. We are passionate about our business, and we are passionate about success.

At Vectra, we’re committed to making our company a great place to work and grow your career. We seek dedicated employees whose diversity, talent, drive and innovative ideas add value to our customers, our colleagues and to our communities. At Vectra, we actively listen to our employees and our customers, initiate contact, provide solutions, and proactively focus on building relationships – not increasing transactions.

We do this by offering technology and resources typically only found within larger banks and combining those resources with an exceptional level of service more commonly associated with community banks and smaller financial institutions. We personify this difference through our tagline:
Big Enough to Count / Small Enough to Care.

With benefits starting on day one, over 11 bank holidays, and a company committed to career growth and advancement, Vectra is 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 seeking a proven, highly motivated, analytical, and articulate individual to support the commercial credit and underwriting process for our Community Banking Department at our Colorado Center and Corporate office in Denver, Colorado.

• 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 assists with projects as needed
• Other duties as assigned

• Requires a Bachelors in 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

You have to want to be a part of a motivated and driven team and work under respected leaders. We need…