Sr. Commercial Credit Analyst

12eec6cd-67a9-4d96-aeaa-41f23add53f8•Denver, CO

10h•$110,000 - $130,000•Hybrid

About The Position

The Senior Commercial Credit Analyst conducts comprehensive financial analyses of prospective borrowers and commercial credit requests. The role collects, interprets, and evaluates business, commercial real estate, and personal financial information to assess credit quality, repayment capacity, and support sound lending decisions while identifying and mitigating risk to protect the Credit Union from potential loss. The position primarily underwrites new commercial credit requests and other assigned credit transactions. The Senior CCA independently manages a high volume of complex assignments, exercises sound credit judgment, and prepares thorough, well-supported credit recommendations for appropriate approval authorities. The role also provides guidance, mentoring, and feedback to peer analysts to promote consistency and quality in underwriting. This is a hybrid position, typically split between the Westerra campus at least twice per week and remote work. Employees must reside in Colorado or relocate before starting. The role works primarily at a desk in an office environment and involves some travel within Colorado. It has no direct reports.

Requirements

At least 8 years of financial industry experience.
At least 6 years of Commercial Credit Analyst experience.
Bachelor’s degree in finance, accounting, or business equivalent; 9 or more years of experience may be an alternative.
Solid knowledge of current banking laws, regulations, and credit union practices.
Proven expertise in financial statement analysis and assessing creditworthiness across a variety of industries.
Strong written and verbal communication skills, including the ability to explain complex credit issues clearly and concisely.
Strong organization, attention to detail, time management, and prioritization skills.
Personal accountability and ownership, with the ability to manage processes and deliverables independently with minimal supervision.
Ability to handle multiple assignments in a high-volume environment while maintaining accuracy and meeting deadlines.
Ability to identify credit strengths, weaknesses, industry risks, and anomalies; prepare comprehensive credit summaries and communicate recommendations.
Sound judgment and autonomy on most credit decisions, with willingness to seek input on complex or nuanced cases.
Advanced understanding of commercial lending principles and practices.
Ability to solve complex and sometimes ambiguous problems independently and collaboratively.
Ability to lead large, complex projects, programs, or processes with minimal oversight and deliver significant business results.
Ability to exercise independent judgment on complex business issues and develop solutions to ambiguous or high-impact challenges.
Advanced functional expertise and strong understanding of organizational strategy, operations, and industry trends.
Ability to influence policies, practices, and decisions across departments through expertise, consultation, and trusted partnerships.
Ability to provide technical leadership, mentor professionals, and lead project teams without formal people-management responsibilities.
Ability to partner with leaders and cross-functional teams to solve complex business challenges and advance organizational priorities.
Ability to lead strategic projects and recommend improvements to processes, programs, and business practices.

Responsibilities

Spread and analyze business and personal financial statements and tax returns to assess creditworthiness, repayment capacity, and financial strength.
Analyze commercial real estate and business credit requests, including cash flow, debt service coverage, financial trends and ratios, industry considerations, guarantor support, and collateral adequacy.
Explain loan purpose, repayment sources, risks and mitigants, policy exceptions, and the adequacy of loan structure and collateral; assign appropriate risk ratings.
Prepare comprehensive credit approval packages for Loan Committee and other approval authorities in a timely manner.
Evaluate loan structures and recommend terms and conditions that balance member needs with Credit Union risk tolerance and lending policies.
Collaborate with Commercial Loan Officers and Credit Administration to identify strengths and weaknesses, address underwriting questions, and develop solutions for complex requests.
Identify and communicate material risks, adverse trends, industry concerns, collateral issues, and other factors affecting credit quality or repayment capacity.
Maintain current knowledge of and comply with applicable commercial lending laws, banking regulations, and internal credit policies.
Monitor economic and industry trends that may affect credit risk, borrower performance, and commercial lending decisions.
Participate in department initiatives, internal and external audits, system enhancements, and selection and implementation of credit and loan platforms.
Mentor and train peer analysts, review credit presentations and underwriting analyses, and provide feedback to promote consistency and quality.
Coach, review, and delegate work to lower-level professionals.
Perform other duties and special projects as assigned.

Benefits

Three health plans through UMR, with HSA and FSA options.
Two dental plans through Delta Dental.
Basic life and AD&D insurance.
Short-term and long-term disability insurance.
20+ days of paid time off per year.
16 hours of volunteer time off per year.
11+ paid holidays.
401(k) with up to 6% matching.
Up to 2% off the rate on a new Westerra mortgage for a primary residence, second home, or investment property.
2% off auto, RV, and motorcycle loans.
Up to $5,250 per year for educational reimbursement.
Four weeks of paid parental leave.
Mental health resources, including an Employee Assistance Program.
Individualized learning and development programs.
Annual bonus potential tied to Westerra’s financial performance.