Credit Analyst II

Alpine Bank•Denver, CO

1d•$32 - $37•Hybrid

About The Position

The Credit Analyst II position is a mid-level role focused on underwriting loans. This position has the flexibility to work with both Commercial and Consumer Loans, adapting to borrower requests or departmental needs. The role involves executing the bank's processes and procedures, identifying financial trends, completing loan analyses, and ensuring financial data reconciliation. The Credit Analyst II will communicate findings and concerns to the Relationship Manager, perform written analyses, and meet file completion goals. A key aspect of this role is the independent application of Alpine Bank's underwriting standards and processes, demonstrating good judgment, problem-solving skills, and resourcefulness. The analyst will follow established underwriting guidelines with minimal errors and may suggest process improvements with supervisor approval. Participation in special projects and reliable attendance are also required.

Requirements

Sufficient knowledge of underwriting, with focus on either commercial or consumer products and policies.
Ability to assess the credit risk associated with a loan file.
Understands financials and expertise in accounting and cash flow.
Detail oriented and organized with an ability to put these into practice to manage a set volume of loans with few errors.
Good working knowledge of pricing models and risk weighting.
Demonstrated ability to work successfully as a team player.
Ability to problem solve and utilize resources.
Ability to be a self-starter, work well under pressure, and meet deadlines.
Knowledge and ability to implement Alpine Bank’s policies and procedures.
Understanding and application of banking compliance regulations.
Understanding how to identify problems and willingness to make recommendations to address them.
Ability to maintain confidentiality.
High School Diploma or General Educational Diploma (GED) equivalency is required.
Bachelor’s Degree (B.A.) in Finance or Accounting is required.
Possession of, or ability to obtain, a valid State of Colorado Drivers’ License, required.
Possession of, or ability to obtain, a valid NMLS License, required.
A minimum of two (2) years of experience as a bank Credit Analyst with expertise in accounting and cash flow and strong understanding of financials preferred.
An equivalent combination of education and experience may be substituted on a year-to-year basis.

Nice To Haves

Master’s Degree (M.A.) or equivalent preferred.

Responsibilities

Executes work following the Bank’s processes and procedures.
Identifies trends in income and/or cash flow, as well as sources and uses of business cash flow.
Completes the loan analysis and completes workflow requirements for the Relationship Manager to review.
Ensures that the cash flow and retained earnings reconcile.
Identifies any trends in the financial performance or balance sheet concerns.
Communicates missing items or information, as well as concerns or questions to the Relationship Manager.
Performs a written analysis of findings.
Meets the set goal for completed files.
Uses and understands all Alpine Bank’s underwriting standards and processes, with little help from management.
Practices on-going good judgment and analysis in executing responsibilities, problem solving and utilizing available resources.
Follows established underwriting processes and guidelines when completing their loan files, with a minimum of error.
When appropriate, suggests or initiates modifications with approval from the Credit Analyst Supervisor to aid in creating better processes.
Participates in special projects when assigned.
Regular and reliable attendance is required as an essential function of this position.
Performs other duties as assigned.