Credit Analyst III

Native American Bank N A•Denver, CO

22h•Hybrid

About The Position

Native American Bank is seeking an experienced Commercial Credit Analyst to perform complex credit analysis and underwriting for a diverse portfolio of existing and prospective customers. The Credit Analyst III gathers, analyzes, and interprets financial, collateral, industry, and market information to assess creditworthiness and identify risks across varied loan structures and industries. The role supports sound lending decisions by preparing credit recommendations, monitoring portfolio performance, and ensuring compliance with Bank credit policies, regulatory requirements, and risk management standards. As a member of the Credit Administration team, the Credit Analyst III exercises independent judgment in evaluating commercial, commercial real estate, small business, community development, and other lending opportunities. The role calls for strong financial statement analysis and the ability to assess complex borrowing relationships while balancing prudent risk management with the Bank’s growth and community impact objectives.

Requirements

Good credit analysis and analytical skills.
Good knowledge of economics, accounting, and finance.
Good knowledge of credit administration, policies, and procedures.
Good knowledge of loan documentation and processes.
Good knowledge of risk analysis.
Working knowledge of most loan products and programs used by Native American Bank, including USDA, SBA, BIA, 105(l), and NMTC.
Strong verbal and written communication skills.
Effective technical report-writing skills.
Customer service and interpersonal skills.
Proficiency in Microsoft applications such as Word, Excel, and Outlook.
Effective organizational, time-management, and problem-solving skills.
Ability to work independently, prioritize work, and handle multiple tasks.
Attention to detail, self-motivation, and ability to take initiative.
Undergraduate degree in Accounting, Finance, or a business-related field from an accredited college or university.
At least 5 years of banking experience in advanced commercial credit analysis and/or lending activities in lending analysis.
Pass a background check prior to hire.

Responsibilities

Prepare comprehensive credit memoranda and present recommendations to the EVP/Chief Credit Officer and Loan Committee for new, renewed, extended, and modified loan requests.
Analyze borrower financial strength, repayment capacity, collateral adequacy, guarantor support, management quality, industry and market conditions, community development impact, and recommended risk grades.
Collect, spread, and analyze financial statements, tax returns, projections, and other financial information to support underwriting, portfolio management, and credit decisions.
Monitor borrower relationships and loan portfolios, assess covenant compliance, identify emerging risks, maintain credit quality, and minimize potential loss.
Prepare internal reports and credit analyses for bank officers, senior management, and committees as requested.
Collaborate across departments to support strategic growth initiatives, maintain portfolio quality, and promote consistent underwriting and credit administration practices.
Assist with developing and maintaining credit administration and underwriting policies, procedures, manuals, and supporting documentation.
Support the development and training of Credit Analysts, Portfolio Managers, and Loan Officers by sharing knowledge, providing guidance, and reinforcing sound credit and underwriting practices.
Perform other duties and special projects as assigned.