Commercial Lending Affordable Housing Credit Analyst - Denver, CO

Vectra Bank; Denver (CO); On-site; USD 52,000 - 59,000; Full time

Benefits offered by this job

Medical, Dental and Vision Insurance –

Life and Disability Insurance

Paid Training

Paid Time Off (PTO) and 11 paid Fed. H

401(k) with company match and Profit

Mental health benefits

Job summary

Zions Bancorporation, N.A. is seeking an Affordable Housing Credit Analyst in Denver, CO to support commercial real estate lending and affordable housing development projects. The role emphasizes moderately complex portfolios and requires CRE credit analysis experience.

Essential functions include credit investigations, financial statement reviews, covenant compliance, and cash-flow analysis. In-office position with comprehensive benefits and competitive compensation.

Qualifications

• Requires a Bachelor's degree and 2+ years of credit analysis experience.
• Working knowledge of financial and spread analysis and credit/lending procedures for moderately complex loans.
• Full use and application of commercial credit principles, theories, concepts, and techniques.
• Ability to work with lending officers and staff.
• Solid communication skills, both verbal and written.

Responsibilities

• Conducts credit investigations and analyzes credit information pertaining to loans.
• Investigates all available sources of credit and financial information.
• Analyzes financial statements and related material.
• Analyzes financial conditions and trends.
• Reviews and reports non-compliance with loan covenants.
• Determines cash flow using appropriate tax analysis.
• Prepares summaries, presents facts, and offers opinions concerning creditworthiness.
• Provides credit information and references for customers, loan officers, or other agencies as requested.
• Maintains control over current accounts and informs loan officers of payment progress.
• Writes credit memorandums.
• Accompanies lenders on business calls.
• Conducts industry research.
• Assists with special projects as assigned.

Skills

Credit analysis

Financial statement analysis

Communication skills

Decision making

PC skills

Education

Bachelor's degree

Job description

Commercial Lending Affordable Housing Credit Analyst - Denver, CO

Zions Bancorporation, N.A. (NYSE: ZION) is a premier financial services company with ~$100B in assets operating through eight brands in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. With a leading market share in small and middle-market banking, the Bank’s 500+ client managers and 200+ wealth advisors maintain vigorous client development strategies that feed into Zions Capital Markets. California Bank & Trust, an affiliate of Zions Bancorporation, complements this strength by delivering relationship-centered banking in California while supporting clients across the broader Zions Bancorporation footprint, including Colorado, and leveraging the firm’s multi-state capabilities, resources, and award-winning client satisfaction. This role will report into the California Bank & Trust Affiliate.

We are looking for anAffordable Housing Credit Analystto provide top notch customer service to our clients and customers inDenver, CO.

The ideal candidate must possess dedicated experience in Commercial Real Estate (CRE) credit analysis, underwriting, or commercial loan structures. This position specifically focuses on moderately complex commercial portfolios and affordable housing development projects; therefore, candidates with a background exclusively in retail or residential mortgage underwriting will not meet the requirements for this role.

Essential Functions:

• Conducts credit investigations and analyzes credit information pertaining to loans.
• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• Analyzes financial statements and related material.
• Analyzes financial conditions and trends.
• Reviews and reports non-compliance with loan covenants.
• Determines cash flow using appropriate tax analysis.
• Prepares summaries, presents facts, and offers opinions concerning creditworthiness.
• Provides credit information and references for customers, loan officers, or other agencies as requested.
• May provide rates and loan information to clients.
• Ensures that all credit files include proper documentation including current financial statements, agency reports, etc.
• Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed.
• Writes credit memorandums.
• Accompanies lenders on business calls.
• Conducts industry research.
• Assists with special projects as assigned.

Qualifications:

• Requires a Bachelor's and 2+ years of credit analysis experience, lending/credit procedures and processes or other directly related experience. A combination of education and experience may meet requirements.
• Working knowledge of financial and spread analysis and credit/lending procedures for moderately complex loans.
• Full use and application of commercial credit principles, theories, concepts, and techniques.
• Ability to work with lending officers and staff.
• Solid communication skills, both verbal and written.
• Ability to make sound decisions regarding loans.
• Solid PC skills are required.
• Medical, Dental and Vision Insurance – START DAY ONE!
• Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
• Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits, including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products

This position is eligible to earn an hourly wage in the range of$37.98hr - $43.00hr, depending on job‑related factors such as experience level and location.This position is in-office and does not offer a remote or hybrid schedule.

This position will be open until filled.

All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.

Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.

It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.

Vectra Bank a division of Zions Bancorporation, N.A. Member FDIC