Credit Analyst II

Kaizen Lab Inc.; Denver, Northern (CO, KY); Hybrid; USD 69,000 - 86,000; Full time

Benefits offered by this job

Competitive salary and benefits

Health, Dental and Vision Insurance

401(k) plan and matching

RTD Eco Pass (Denver)

Job summary

Native American Bank is seeking an experienced Commercial Credit Analyst to conduct complex credit analyses and interpret lending information for existing and prospective customers. The role ensures compliance with policy objectives and supports lending decisions within a 45‑mile radius of Denver, CO.

The position emphasizes thorough financial analysis, report writing, and collaboration with senior leadership to manage credit risk across portfolios.

Qualifications

• Undergraduate degree in Accounting, Finance, or business-related field from an accredited college/university.
• A minimum of 4+ years of banking experience in advanced commercial credit analysis and/or lending activities.

Responsibilities

• Prepare and present credit reports to SVP/Chief Credit Officer and committee meetings for lending decisions.
• Recommend loan decisions for approval or denial based on thorough analysis.
• Recommend a risk grade for each loan request.
• Monitor customer accounts and loan portfolios to maximize credit quality and minimize risk and potential loss.
• Assist in collecting and spreading financial statement information.
• Assist in developing manuals and supporting documentation for tasks and duties.
• Prepare internal reports for bank officers as requested.
• Perform other related duties as necessary or assigned.

Skills

Credit analysis

Analytical skills

Economics knowledge

Finance knowledge

Communication skills

Excel proficiency

Education

Undergraduate degree in Accounting/Finance

Business-related field

Tools

Microsoft Word

Excel

Outlook

Job description

Summary

Native American Bank is a one‑of‑kind institution that is an Agent of Change for Native Communities. At our core, we are committed to the vision and mission of the Bank. We believe our employees are our greatest asset, and we are at our best through teamwork. This is an excellent opportunity for an experienced Commercial Credit Analyst to conduct complex credit analyses including gathering, analyzing and interpreting all types of commercial lending credit information on existing and prospective customers and portfolio while assuring compliance policy objectives are met.

*This role is only open to candidates currentlyresiding within a 45 miles radius from Denver, CO at this time

Responsibilities

• Prepare and present credit reports to SVP/Chief Credit Officer and committee meetings for use in making lending decisions on new, renewal and extension of loans.
• Recommend loan decisions for approval or denial based upon thorough analysis.
• Recommend a risk grade associated with each new and existing loan request.
• Monitor customer accounts and loan portfolios to maximize credit quality and minimize risk and potential loss and monitor ongoing borrower performance through measurement of loan covenants.
• Assist in collecting and spreading financial statement information.
• Assist in the development of manuals and supporting documentation to accomplish tasks/duties inherent in this position.
• Prepare internal reports for bank officers as requested.
• Performs other related duties as necessary or assigned.

Qualifications

• Well‑developed credit analysis and analytical skills.
• Good knowledge of economics, accounting, and finance.
• Basic knowledge of credit administration, policy, and procedures.
• Knowledge of loan documentation and process.
• Basic knowledge of risk analysis.
• Strong verbal & written communication skills.
• Effective technical report writing skills.
• Customer service and interpersonal skills.
• Proficiency in Microsoft applications e.g., Word, Excel, Outlook.
• Effective organizational skills, time management and problem‑solving skills.
• Ability to work independently, prioritize work and handle multiple tasks.
• Attention to detail, self‑motivation and the ability to take initiative.
• Minimum of Undergraduate Degree in Accounting, Finance, or business‑related field from an accredited college/university
• A minimum of 4+ years of banking experience in advanced commercial credit analysis and/or lending activities in Lending analysis is required for this position.

Physical Requirements

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift 15 pounds at times.

Benefits

• Competitive salary and benefit package
• Professional development opportunities
• Health, Dental and Vision Insurance
• Health Savings Account with company contribution
• Employer paid Short‑term and Long‑term disability insurance
• Employer paid Life Insurance
• 401(k) plan and matching
• RTD Eco Pass (Denver) / ORCA (Seattle)
• Pet Insurance
• Paid Time Off
• Volunteer Time Off

Company Culture

Native American Bank is a full‑service community bank committed to meeting the financial needs of individuals, businesses, and non‑profits within the Native American community and beyond. Our focus is on delivering a personalized banking experience that honors cultural sensitivities. Since our founding in 2001, our mission has been to empower Native American and Alaskan Native individuals, enterprises, and governments by providing affordable and flexible banking and financial services tailored to their unique goals.

We take pride in cultivating personal relationships with our customers while upholding the highest standards of professionalism. Our diverse range of services includes personal and business banking, lending solutions, and more, all designed to support our clients' aspirations.

At Native American Bank, we go beyond traditional banking by encouraging our employees to engage in community service through our Mission in Motion program. We believe in giving back and nurturing a collaborative spirit among our neighbors. By joining Native American Bank, you play a crucial role in helping our community thrive while ensuring that our financial practices are guided by our cherished traditional values.

Additional Information

• Passbackground check prior to hire.
• Thisposition allows to hybrid schedule to candidates currently residing withina 45 miles radius from Denver, CO at this time.
• Theannual salary range for this full‑time position: $68,700 - $85,900.