CREDIT ANALYST II

Bank Of Colorado • Boulder, CO

13d

About The Position

Provides leadership to credit analysts. Ensures timely and accurate completion of all credit analysis functions.

Requirements

• Knowledge of bank operations, policies, and procedures.
• Knowledge of loan analysis and accounting.
• Knowledge of loan analysis software and Suntell software
• Skill in communicating effectively with management, customers, and co-workers.
• Skill in managing employees.
• Ability to pay close attention to detail and work with a high degree of accuracy.
• Ability to create an organized efficient work environment without supervision.
• Ability to work under pressure of deadlines.
• Ability to function as a team player.
• High School diploma or equivalent experience in banking.
• Minimum of 3-5 years' experience with Investor & Developer real estate lending, commercial and residential real estate lending, and C&I underwriting.

Nice To Haves

• College degree in business, finance, economics or accounting preferred.

Responsibilities

• Prepares complete and concise financial analyses by obtaining necessary information from the lender.
• Financial analyses will focus on financial trends and repayment capacity of obligors. These duties include but are not limited to analysis & interpretation of financial statements, evaluation of the financial condition of the borrower relative to the industry, economy, collateral, capacity, trends, and performance of the borrower.
• Attends loan committee meetings, as necessary, to assist in the presentation and clarification of credit requests.
• Supervises, trains and directs credit analyst(s) including periodic review of analysis.
• Serves as a resource for the bank's loan documentation software.
• Some analyst positions ensure adequacy of bank's collateral position by monitoring construction draw requests/inspections, borrowing base certificates/inspections, and livestock inspections.
• Audit of specific collateral reports may be required to ensure accuracy.
• May participates in asset reviews as requested, including real estate inspections and any other on-site inspections deemed necessary.
• Maintains strict confidentiality of credit information.
• Performs other duties as assigned.
• Regular and reliable attendance.

Benefits

• 8 paid holidays.
• 17 PTO days each year for the first five years of employment. Employees must also complete the 90-day introductory period prior to accruing PTO.
• After five years, 22 PTO days each year.
• After ten years, 27 PTO days each year.
• Employees must also complete the 90-day introductory period prior to accruing PTO.
• New employees will receive 16 hours of paid sick time upon their hire date.
• Health, dental, prescription drug card, vision, and voluntary life insurance plans.
• Health Savings Account with employer contributions.
• Flexible medical and dependent care spending plans.
• Parental Leave after one year of full time employment.
• 401K plan after 3 months and start of next quarter with employer contributions and profit sharing.
• Free checking account and basic printed checks.
• Free safe deposit box.
• $50,000 group term life insurance.
• Long term disability insurance.
• Employee Assistance Program.
• Educational Assistance.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED
• Number of Employees: 251-500 employees