Commercial Lending Affordable Housing Credit Analyst - Denver, CO

California Bank & Trust•Denver, CO

2d•Onsite

About The Position

Zions Bancorporation is seeking an Affordable Housing Credit Analyst in Denver, Colorado, reporting to the California Bank & Trust affiliate. The role provides customer service while conducting credit analysis for moderately complex commercial portfolios and affordable housing development projects. Candidates must have dedicated experience in commercial real estate credit analysis, underwriting, or commercial loan structures; experience limited to retail or residential mortgage underwriting does not meet the requirements. This is an in-office position with no remote or hybrid schedule. The hourly wage range is $37.98–$43.00, depending on job-related factors such as experience and location.

Requirements

Bachelor's degree and 2 or more years of credit analysis experience, lending/credit procedures and processes, or other directly related experience; a combination of education and experience may meet requirements.
Dedicated experience in commercial real estate credit analysis, underwriting, or commercial loan structures.
Working knowledge of financial and spread analysis and credit/lending procedures for moderately complex loans.
Full use and application of commercial credit principles, theories, concepts, and techniques.
Ability to work with lending officers and staff.
Solid verbal and written communication skills.
Ability to make sound decisions regarding loans.
Solid PC skills.

Responsibilities

Conduct credit investigations and analyze credit information related to loans.
Investigate available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
Analyze financial statements, related materials, financial conditions, and trends.
Review and report loan covenant non-compliance.
Determine cash flow using appropriate tax analysis.
Prepare summaries, present facts, and offer opinions concerning creditworthiness.
Provide credit information and references to customers, loan officers, or other agencies as requested.
Provide rates and loan information to clients as needed.
Ensure credit files contain proper documentation, including current financial statements and agency reports.
Monitor current accounts and payment progress, identify developing problems, and keep loan officers informed.
Write credit memorandums.
Accompany lenders on business calls.
Conduct industry research.
Assist with special projects as assigned.