Credit Analyst II

Alpine Bank•Grand Junction, CO

4d•Hybrid

About The Position

The Credit Analyst II is a mid-level role that underwrites loans and may work across commercial and consumer loans as needed, at the borrower’s request, or according to department demand. The analyst completes loan analyses and workflow requirements for Relationship Manager review, evaluates financial performance and credit risk, and prepares written findings. The role follows Alpine Bank’s underwriting standards, processes, and policies, works with limited management assistance, and may recommend or initiate process improvements with Credit Analyst Supervisor approval. The position operates in a professional office environment, with a hybrid schedule on select days possible at management discretion. Regular travel to conferences, meetings, and branch locations is required. The position is largely sedentary and involves standard office equipment.

Requirements

High school diploma or GED equivalency.
Bachelor’s degree in Finance or Accounting.
At least two years of experience as a bank Credit Analyst with expertise in accounting and cash flow and a strong understanding of financials is preferred.
Possess or be able to obtain a valid State of Colorado driver’s license.
Possess or be able to obtain a valid NMLS license.
Sufficient knowledge of underwriting, with a focus on commercial or consumer products and policies.
Ability to assess the credit risk associated with a loan file.
Understanding of financial statements and expertise in accounting and cash flow.
Detail-oriented and organized, with the ability 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 solve problems and use available resources.
Ability to work independently, perform under pressure, and meet deadlines.
Knowledge of and ability to implement Alpine Bank policies and procedures.
Understanding and application of banking compliance regulations.
Ability to identify problems and willingness to recommend solutions.
Ability to maintain confidentiality.
An equivalent combination of education and experience may be substituted on a year-to-year basis.

Nice To Haves

Master’s degree or equivalent.
At least two years of experience as a bank Credit Analyst with expertise in accounting and cash flow and a strong understanding of financials.

Responsibilities

Follow the Bank’s processes and procedures.
Identify trends in income and cash flow, including sources and uses of business cash flow.
Complete loan analyses and workflow requirements for Relationship Manager review.
Ensure cash flow and retained earnings reconcile.
Identify trends in financial performance and balance-sheet concerns.
Communicate missing items, information, concerns, and questions to the Relationship Manager.
Prepare written analyses of findings.
Meet the goal for completed files.
Apply Alpine Bank underwriting standards and processes with little management assistance.
Use sound judgment and analysis in carrying out responsibilities, solving problems, and using available resources.
Follow underwriting processes and guidelines while completing loan files with minimal errors.
When appropriate, suggest or initiate process modifications with Credit Analyst Supervisor approval.
Participate in assigned special projects.
Maintain regular and reliable attendance.
Perform other duties as assigned.