Credit Analyst I or II

ANB Bank•Denver, CO

43d•$21 - $69,580

About The Position

ANB Bank has financial strength embodied in $3 billion in assets and is a true community bank with an unwavering commitment to excellence. The bank helps each of its communities prosper through investment, sponsorship, philanthropy, and employee volunteerism. It is a passion ANB has for banking that makes a difference. ANB Bank hires individuals who provide excellent customer service and build meaningful relationships with our customers and within our communities. ANB is committed to rewarding our team members who strengthen our company and culture. ANB offers competitive compensation and a comprehensive benefits package for this position. Summary Responsible for supporting the lending activities within a region or market by providing insightful and timely credit analysis of prospective and current borrowers, including interpretation of financial statements, collateral and cash flows.

Requirements

Credit Analyst I
Performs several, if not all, of the above duties with regular direction and supervision.
Credit Analyst II
Expected to provide information to lenders on process and procedures.
Able to engage in meetings with senior management on loan direction and structure.
Performs the duties above with moderate direction and supervision.

Responsibilities

Assist with lender preparation of Credit Presentations for bank loan committee.
Prepare spreadsheets, cash flow analyses, collateral assessments, with commentary in evaluation of commercial (R/E, Ag, Energy, C&I) loan requests.
Perform extensive credit analysis including gathering, analyzing and interpreting all types of credit information on existing and prospective customers prior to the credit decision being made.
Analysis of business and personal financial statements such as balance sheets, income statements and cash flow statements, and credit reports.
May also include analysis of customer performance compared to peer industry averages.
Analysis the more difficult and complex credits within the department.
Meet with lenders to gather information to support credit analysis
Investigate all available sources of credit and financial information, including reporting services, credit bureaus and agencies.
Review appraisals, environmental reports, title reports and loan documents for collateral property.
When appropriate, review and analyze property financial information to determine actual income, expenses and projected debt service coverage.
Interact with accountants and attorneys at direction of management, when necessary to perform analysis.
Research and/or develop credit information for use by senior credit staff, lenders, or other credit officers in lending decisions on new loans, renewals, and extensions.
Update spreadsheets, cash flow analyses, collateral assessments, and financial statements for term loan reviews.
May conduct specialized analyses and prepare specialized reports on loan quality/portfolio quality for management.
Must meet established deadlines.
Maintains a current knowledge and consistent compliance with Bank Secrecy Act (BSA) requirements, as well as knowledge and consistent compliance with other banking regulations and Bank policies and procedures related to the position.
Delivers quality of service as defined by department standards.
Maintains confidentiality as defined by department standards.
Supports the company's Mission, Vision, and Values.
Other duties may be assigned.

Benefits

Minimum 4 Weeks of Paid Time Off (PTO)
11 Paid Holidays
Medical, Dental, and Vision Insurance
Health Savings (HSA), Flexible Spending (FSA), and dependent care spending accounts
Company provided Live, AD&D, and Disability Insurance with supplementation options
401(k) plan with discretionary company match and profit sharing
Discretionary annual bonus and employee referral incentives
Employee Assistance Program (EAP)
Tuition Reimbursement Program
Spanish Communication Assistant Program Incentive
Employee Banking Products