Commercial Lending Affordable Housing Credit Analyst - Denver, CO

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

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Paternal Leave

Adoption Assistance

HSA/FSA

Paid Time Off

Job summary

California Bank & Trust in Denver, CO is seeking an Affordable Housing Credit Analyst to provide client-focused credit analysis for moderately complex CRE portfolios and affordable housing projects. The role emphasizes documentation, cash flow analysis, and collaboration with loan officers in a fast-paced banking environment.

The ideal candidate has a background in CRE credit analysis and a proven ability to evaluate income, expenses, and debt service.

Qualifications

• Bachelor's degree and 2+ years in credit analysis or related lending.
• Experience with financial statement and cash flow analysis.
• Familiarity with credit policy and lending procedures for moderately complex loans.
• Strong written and verbal communication skills.

Responsibilities

• Conducts credit investigations and analyzes loan information.
• Analyzes financial statements and cash flow to determine creditworthiness.
• Reviews loan covenants and compliance; prepares credit memorandums.

Skills

Credit analysis

Lending procedures

Financial analysis

Decision making

Communication

Teamwork

Education

Bachelor's degree

Job description

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 an Affordable Housing Credit Analyst to provide top notch customer service to our clients and customers in Denver, 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.

Benefits

• 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.