Senior Credit Analyst

Alpine Bank•Grand Junction, CO

25d

About The Position

The Senior Credit Analyst provides high-level credit analysis for Alpine Bank accounts considered complex. The role applies strong analytical skills to evaluate multiple, interrelated parties and guarantors with complex cash flows and income sources, and makes well-founded credit decisions. The position may be based at any Alpine Bank location, subject to available space. The analyst prepares and delivers financial analyses and reports, including reviews of audited and reviewed financial statements, tax returns, and company-prepared statements. The role participates in loan committee presentations and, when requested, conference calls or customer meetings. It also supports work outside financial analysis, such as committee activities and revisions to forms or procedures. The analyst follows established policies and standards while applying sound judgment when credit underwriting requires adjustments, and completes work within Service Level Agreements while managing requests at different stages. The role reviews a range of complex and higher-risk credit requests, including 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. The analyst evaluates cash flow and financial information, makes recommendations to lenders, assists other credit analysts by answering questions and reviewing their work, and contributes feedback for performance reviews of Credit Analyst Officers and/or Credit Analyst Supervisors. Regular and reliable attendance is an essential function. Other duties may be assigned. The position operates in a professional office environment and may follow a hybrid schedule with in-office and remote work on selected days; the schedule may change at management discretion. Regular travel to conferences, meetings, and branch locations is necessary. The starting rate is $34.25 to $39.25 per hour, depending on experience. The position is anticipated to close November 30, 2026, or when filled.

Requirements

At least one year acting in a Credit Analyst capacity, with demonstrated ability to master monthly audits and handle the responsibilities of the position; equivalent combinations of education and experience may be substituted on a year-to-year basis.
Bachelor’s degree in Finance or Accounting.
High school diploma or GED equivalency.
Possess or be able to obtain a valid State of Colorado driver’s license.
Possess or be able to obtain a valid NMLS license.
Ability to analyze varied financial portraits and understand sources and uses of cash under the UCA cash flow method.
Familiarity with foreign financial statements and converting them to U.S. dollars.
Familiarity with speculative and development loans, C&I loans, troubled debt restructurings, tax-exempt loans, municipal fund accounting, and other large-dollar or high-risk loans.
Ability to identify which sources of personal cash flow should be included in or omitted from an individual borrower’s or guarantor’s personal cash flow, and why.
Ability to understand cash flow trends and make recommendations to lenders.
Ability to implement new ideas or potential solutions without prompting.
Ability to manage multiple projects and tasks simultaneously while meeting structured timelines.
Ability to maintain confidential information.
Understanding and application of banking compliance regulations.
Ability to establish credibility and positive intent with customers, coworkers, and management.
Ability to remain calm and professional during intense conversations.
Regular and reliable attendance.

Nice To Haves

Master’s degree or equivalent.

Responsibilities

Prepare and deliver financial analyses and reports using audited statements, reviewed statements, tax returns, and company-prepared statements.
Participate in loan committee presentations, presenting observations and analysis; join conference calls or customer meetings when requested.
Assist with work outside financial analysis, including committee activities and revisions to forms or procedures.
Apply credit policies and standards consistently while using judgment to adjust underwriting procedures when appropriate.
Complete deliverables within Service Level Agreements while managing requests at different stages of the process.
Recommend actions to lenders based on cash flow trends and other relevant factors.
Analyze financial information and sources and uses of cash using the Uniform Credit Analysis (UCA) cash flow method.
Review complex and higher-risk credit requests, including speculative and development loans, C&I loans, troubled debt restructurings, tax-exempt loans, municipal fund accounting, and large-dollar or high-risk loans.
Meet the goal for completed files and complete all loan types, including those meeting complex loan criteria.
Answer other credit analysts’ questions and review their analyses for accuracy of spreads.
Provide feedback through loan reviews and general inquiries for the annual performance review of Credit Analyst Officers and/or Credit Analyst Supervisors.
Assist with special projects as requested or needed.
Maintain regular and reliable attendance.
Perform other duties as assigned.