Senior Credit Risk Analyst Denver, CO

First Western Trust • Denver, CO

263d • $86,000 - $138,000

About The Position

As a Senior Credit Risk Analyst at First Western, you'll play a critical role in supporting Credit Administration through memo reviews, underwriting guidance, training, and credit risk analysis. This position bridges technical expertise and business acumen, collaborating across teams to improve credit quality, enhance internal controls, and uphold regulatory compliance. You'll work closely with the Executive Director of Credit Risk, Directors of Credit Risk, and Profit Center (PC) teams to support consistent credit practices, portfolio reporting, and regulatory audits—all while mentoring others and driving process improvements.

Requirements

• Bachelor's degree in Business or related field.
• 3-5 years of credit experience in commercial, consumer, or CRE lending.
• Proven ability to analyze complex financial data and develop insights that support risk management.
• Experience mentoring or training credit and lending team members.
• Strong written and verbal communication skills with stakeholders at all levels.
• Proficiency in Microsoft Office Suite, particularly Excel.
• Excellent organization, prioritization, and time management skills.
• A collaborative mindset with a passion for accuracy and continuous learning.

Responsibilities

• Perform credit memo reviews and provide guidance to ensure consistency across Production Centers.
• Design and lead underwriting training for Relationship Bankers and Credit Analysts.
• Contribute to the development and implementation of credit underwriting strategies and standards.
• Act as a subject matter expert on credit risk for internal projects, platforms, and policy discussions.
• Support internal and external audit responses and ensure compliance with regulatory and company policies.
• Participate in Credit Committee meetings, including preparing materials and recording minutes.
• Assist in portfolio reporting and analytics, including Board reporting packages.
• Conduct secondary reviews of internal loan reviews and validate dual risk rating data.
• Review borrowing base and covenant compliance documentation for accuracy and completeness.
• Underwrite and analyze personal and business financial statements, tax returns, and cash flow for consumer and cash/investment secured lending.
• Support consumer mortgage reviews and special assets group underwriting, as needed.
• Collaborate on ICFR testing, data quality reviews, and internal audits of small loans.
• Promote continuous improvement and propose process enhancements.

Benefits

• Competitive base salary: $86,000 - $138,000/YR, plus bonus potential.
• 401(k) plan with employer match.
• Paid parking and transportation benefits.
• Comprehensive health and wellness benefits, including health savings accounts (HSA) and flexible spending accounts (FSA).
• Medical, dental, and vision coverage.
• Generous paid time off and bank holidays.
• Training and professional development support.
• A culture grounded in collaboration, accountability, and innovation.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Bachelor's degree