Credit Analyst

first western; Boulder (CO); On-site; USD 86,789,000 - 123,984,000; Full time

Benefits offered by this job

401(k) match

Paid parking

Health benefits

HSA & FSA

PTO & holidays

Training & certs

Collaboration culture

Job summary

First Western Trust is seeking a Credit Analyst in Boulder, CO to underwrite consumer and smaller commercial loans and manage portfolio compliance. You will support Relationship Bankers by delivering accurate underwriting, processing, and lifecycle credit management, ensuring timely, compliant decisions.

The role requires analytical rigor, strong Excel skills, and independence with teamwork. Join a collaborative, growth-oriented environment that values customer-focused, proactive servicing.

Qualifications

• Bachelor’s degree in business, finance, or related field.
• 3–5 years of lending/credit experience recommended; be familiar with banking operations.

Responsibilities

• Underwrite and analyze consumer and less complex loan requests for Relationship Bankers.
• Manage loan portfolio compliance including file exceptions, past dues, and covenants.
• Coordinate all credit processing stages from outreach to onboarding.
• Facilitate renewals, modifications, and annual reviews to maintain relationships.
• Identify lending opportunities within existing client relationships and cross-sell bank products.
• Maintain knowledge of internal policies, procedures, and regulatory requirements.

Skills

Detail-oriented

Analytical

Communication

Independent worker

Education

Bachelor’s degree in business/finance/related

Tools

Microsoft Excel

Banking software

CRM systems

Job description

Credit Analyst

Location: Boulder, CO (In-Office)

Job Type: Full-Time Non-Exempt

Salary: $30.29 - $43.27/HR *Actual offer will be based on experience, location, education, and/or skills*

Applications should be submitted for consideration no later 08/31/2026.

Who We're Looking For

You're a detail-oriented credit professional who thrives in a fast-paced, dynamic environment. You bring structure to client relationships through disciplined underwriting, portfolio management, and proactive servicing. Whether supporting new loan requests or maintaining compliance within existing relationships, you take ownership of process and performance. You collaborate well with Relationship Bankers, respond quickly to client needs, and bring a high level of accountability to your work. If you balance independence with teamwork, and bring precision to credit and servicing functions-this role is for you.

About the Role

The Credit Analyst supports the Profit Center (PC) by identifying key revenue-generating opportunities across loans, deposits, and investment assets. This role is primarily responsible for underwriting new loan requests, managing renewals, and maintaining portfolio compliance-this ensures strong credit performance and client retention. Key responsibilities include analyzing less complex loan relationships, managing file exceptions, tracking past dues and covenants, and supporting the loan process from application through onboarding. The role also includes client outreach, annual reviews, and collaboration with Relationship Bankers to identify new opportunities and support delivery of financial solutions. Success in this role requires strong analytical skills, process discipline, and the ability to manage a variety of credit and service-related tasks with accuracy and urgency.

What You'll Do

• Underwrite and analyze consumer and less complex commercial loan requests in support of Relationship Bankers.
• Manage loan portfolio compliance, including file exceptions, past dues, maturing loans, covenant tracking, and documentation.
• Coordinate all stages of credit processing-from client outreach and document collection through application, approval, closing, and onboarding.
• Facilitate renewals, modifications, and annual reviews to maintain relationship quality and prevent asset attrition.
• Identify lending opportunities within existing client relationships and introduce additional bank products to meet client needs.
• Maintain up-to-date knowledge of internal policies, procedures, and regulatory requirements, ensuring adherence across all credit functions.

What You Bring

• Bachelor’s degree in business, finance, or a related field.
• 3-5 years of experience in lending, credit administration, and/or banking.
• Proficiency in Microsoft Office Suite, with exceptional Excel skills.
• Experience using banking and credit software.
• Experience with CRM systems.
• Strong mathematical and analytical skills.
• Excellent written and verbal communication skills.
• Ability to organize, prioritize, and manage multiple tasks.
• High initiative and follow-through.
• Ability to work independently and with a team.
• Self-starter with strong problem-solving skills.
• NMLS registration upon hire.

What We Offer

• Competitive base salary: $30.29 - $43.27/HR, plus strong bonus potential.
• 401(k) plan with employer match.
• Paid parking and transportation benefits.
• Comprehensive health and wellness benefits, including:
• Health savings accounts (HSA)
• Flexible spending accounts (FSA)
• Medical, dental, and vision coverage
• Generous paid time off and bank holidays.
• Access to training and professional development programs.
• Sponsorship and support for obtaining professional certifications.
• A culture of collaboration, continuous improvement, and shared success.

Who We Are

At First Western Trust, we're more than just a financial institution-we're a team of forward-thinkers committed to excellence, innovation, and impact. Our culture thrives on teamwork and mutual respect, grounded in the belief that diverse perspectives fuel creativity and help us tackle challenges in fresh, effective ways.

We celebrate each other's successes, welcome new ideas, and take personal ownership in everything we do. A genuine desire to positively impact our clients, communities, and one another drives our work. We meet challenges with a growth mindset, act with urgency and accountability, and constantly strive to raise the bar for ourselves and our clients.

Leadership at First Western means setting an example and fostering a culture of trust, transparency, and respect. Whether you're just beginning your journey or bringing years of experience, you'll find a welcoming community where your contributions are valued and your potential is boundless.

We expect our people to:

• Demand and reward excellence.
• Take action and responsibility.
• Collaborate, communicate openly, and give/receive feedback with trust.
• Go above and beyond to do what's right- always.

If that sounds like you, you'll fit right in.

Equal Opportunity Employer

First Western Trust is proud to be an Equal Opportunity Employer. We are committed to creating a diverse, inclusive, and respectful workplace where every team member is valued and given the opportunity to thrive. We welcome applicants of all backgrounds and experiences and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected status.

For accommodation requests, please contact [e-mail].