Credit Analyst III

Alpine Bank•Grand Junction, CO

8d•Hybrid

About The Position

The Credit Analyst III is a higher-level role responsible for analyzing complex credit files and committee-level loans, or other loans as workload requires. The analyst completes loan analyses and workflow requirements for Relationship Manager review, identifies trends and concerns in financial performance, and communicates missing information or questions. The role may include presenting financial findings at loan committee and responding to questions about the analysis. The position may be based at any Alpine Bank location, subject to available space. The Credit Analyst III applies Alpine Bank underwriting standards and processes with minimal management assistance, completes loan files accurately, and exercises sound judgment in problem-solving. The role also supports other analysts with spread questions, spot-checks loan committee packets for accuracy and completeness, and assists with special projects. The work is performed in a professional office environment that may include a hybrid schedule, subject to management discretion, and requires regular travel to conferences, meetings, and branch locations. The starting pay rate is $33.25 to $38.25 per hour, depending on experience.

Requirements

High school diploma or GED equivalency.
Bachelor’s degree in Finance or Accounting.
Possession of, or ability to obtain, a valid State of Colorado Driver's License.
Possession of, or ability to obtain, a valid NMLS License.
Complete Principles of Banking within one year of hire.
Expert underwriting knowledge, including commercial real estate, speculative and development loans, commercial and industrial loans, Troubled Debt Restructurings, tax-exempt loans, municipal fund accounting, and other large-dollar or high-risk loans.
Proficiency with personal and business financial spreads.
Ability to assess credit risks associated with a loan file.
Strong understanding of financial statements and expertise in accounting and cash flow.
Ability to work successfully as a team player, solve problems, use available resources, work under pressure, and meet deadlines.
Ability to implement Alpine Bank policies and procedures and understand and apply banking compliance regulations.
Ability to identify problems and willingness to recommend solutions.
Ability to maintain confidentiality.
Ability to remain calm and professional during intense conversations.
Minimum 18 months of experience working as a Credit Analyst, with accounting and cash-flow expertise and a strong understanding of financials, preferred as stated in the posting; equivalent education and experience may be substituted on a year-to-year basis.

Nice To Haves

Master’s degree or equivalent.
At least 18 months of Credit Analyst experience with expertise in accounting and cash flow and a strong understanding of financials.

Responsibilities

Complete loan analyses and workflow requirements for Relationship Manager review.
Reconcile cash flow and retained earnings.
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 and, when needed, present financial findings at loan committee and address questions.
Apply Alpine Bank underwriting standards, processes, policies, and procedures with minimal management assistance.
Complete loan files according to established underwriting processes and guidelines, with minimal errors.
Suggest or initiate process modifications when appropriate, with approval from the Credit Analyst Supervisor.
Meet the Credit Analyst III goal point, focusing on more complex loans, and complete any loan type, including loans meeting complex-loan criteria.
Review analyses with other analysts and help confirm spreads are correct when questions arise.
Spot-check files routed for loan committee packet review to verify pricing, parameters, details, and inclusion of necessary spreads; this is not a full-scale audit.
Assist with special projects as needed.
Maintain regular and reliable attendance, confidentiality, and professional interactions.
Perform other duties as assigned.