Commercial Lending Affordable Housing Credit Analyst - Denver, CO
About The Position
Zions Bancorporation is seeking an Affordable Housing Credit Analyst to provide customer service to clients and customers in Denver, Colorado. The role reports to the California Bank & Trust affiliate and focuses on moderately complex commercial portfolios and affordable housing development projects. Candidates need dedicated experience in commercial real estate credit analysis, underwriting, or commercial loan structures; experience exclusively in retail or residential mortgage underwriting does not meet the role's requirements. The analyst investigates and evaluates credit and financial information, analyzes financial statements and trends, assesses cash flow using appropriate tax analysis, and prepares credit memorandums and creditworthiness recommendations. The position also supports lenders and clients with credit information, maintains credit files and account monitoring, reviews loan covenant compliance, conducts industry research, and assists with special projects. The job is in-office and does not offer a remote or hybrid schedule.
Requirements
- Bachelor's degree and 2+ 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 pertaining 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 and related materials, as well as financial conditions and trends.
- Review and report non-compliance with loan covenants.
- Determine cash flow using appropriate tax analysis.
- Prepare summaries, present facts, and offer opinions concerning creditworthiness.
- Provide credit information and references for customers, loan officers, or other agencies as requested.
- May provide rates and loan information to clients.
- Ensure credit files include proper documentation, including current financial statements and agency reports.
- Monitor current accounts, note payment progress, watch for developing problems, and keep loan officers informed.
- Write credit memorandums.
- Accompany lenders on business calls.
- Conduct industry research.
- Assist with special projects as assigned.
Benefits
- Medical, dental, and vision insurance starting day one.
- Life and disability insurance.
- Paid parental leave.
- Adoption assistance.
- Health savings, flexible spending, and dependent care accounts.
- Paid training.
- Paid time off.
- 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.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
