CREDIT ANALYST II

Bank of Colorado; Fort Collins (CO); Hybrid; USD 85,000 - 110,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Prescription drug card

Voluntary life insurance

Health Savings Account (HSA)

Flexible medical/dependent care plans

401K with employer contributions

Job summary

Bank of Colorado seeks a Credit Analyst Supervisor to lead the credit analyst team, ensuring timely and accurate financial analyses and strong collaboration with lenders. You will present credit requests at loan committee meetings and supervise analysts while managing collateral reviews and onsite inspections.

The role requires knowledge of bank operations, loan analysis, and Sageworks; prior leadership and strong attention to detail are essential for success.

Qualifications

• Knowledge of bank operations, policies, and procedures.
• Experience in loan analysis and accounting.
• Proficiency with loan analysis software; Sageworks preferred.

Responsibilities

• Lead credit analysts, ensuring timely and accurate analyses.
• Prepare concise financial analyses from lender data; assess trends and repayment capacity.
• Attend loan committee meetings to present and clarify credit requests.
• Supervise, train, and review credit analysts.
• Serve as a resource for loan documentation software.
• Monitor collateral positions and perform on-site inspections as needed.
• Maintain confidentiality of credit information; perform other duties as assigned.

Skills

Bank operations

Loan analysis

Communication

People management

Attention to detail

Organizational skills

Deadline-driven

Team player

Education

High School diploma

College degree in business/finance/economics/accounting

Tools

Sageworks software

Loan analysis software

Job description

Provides leadership to credit analysts. Ensures timely and accurate completion of all credit analysis functions.

• Prepares complete and concise financial analyses by obtaining necessary information from the lender. Financial analyses will focus on financial trends and repayment capacity of obligors. These duties include but are not limited to analysis & interpretation of financial statements, evaluation of the financial condition of the borrower relative to the industry, economy, collateral, capacity, trends, and performance of the borrower.
• Attends loan committee meetings, as necessary, to assist in the presentation and clarification of credit requests.
• Supervises, trains and directs credit analyst(s) including periodic review of analysis.
• Serves as a resource for the bank’s loan documentation software.
• Some analyst positions ensure adequacy of bank’s collateral position by monitoring construction draw requests/inspections, borrowing base certificates/inspections, and livestock inspections. Audit of specific collateral reports may be required to ensure accuracy.
• May participates in asset reviews as requested, including real estate inspections and any other on-site inspections deemed necessary.
• Maintains strict confidentiality of credit information.
• Performs other duties as assigned.
• Regular and reliable attendance.

KNOWLEDGE, SKILLS, AND ABILITIES:

• Knowledge of bank operations, policies, and procedures.
• Knowledge of loan analysis and accounting.
• Knowledge of loan analysis software and Sageworks software
• Skill in communicating effectively with management, customers, and co-workers.
• Skill in managing employees.
• Ability to pay close attention to detail and work with a high degree of accuracy.
• Ability to create an organized efficient work environment without supervision.
• Ability to work under pressure of deadlines.
• Ability to function as a team player.

EDUCATION AND EXPERIENCE:

• High School diploma or equivalent experience in banking.
• College degree in business, finance, economics or accounting preferred.

BENEFITS:

• Benefits for employees working at least 35 hours per week include 8 paid holidays; 17 PTO days each year for the first five years of employment (employees must complete 90-day introductory period prior to accruing PTO); 16 hours of paid sick time upon hire date; health, dental, prescription drug card, vision, and voluntary life insurance plans; health savings account with employer contributions; flexible medical and dependent care spending plans; 401K plan after 3 months and start of next quarter with employer contributions and profit sharing; $50,000 group term life insurance; long term disability insurance and employee assistance program. If working less than 35 hours per week, above benefits are modified.

PHYSICAL REQUIREMENTS:

NOTE: The statements herein are intended to describe the general nature and level or work being performed by employees assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills, required of personnel.

More Details

M-F 8-5

We offer fair and competitive compensation as well as bonus based on an employee's years of service and possible discretionary merit bonuses.Employees also have the opportunity to participate in the Bank incentive programs based on charter/branch guidelines. Other Full-Timebenefits include:

• 8 paid holidays.*
• 17 PTO days each year for the first five years of employment. Employees must also complete the 90-day introductory period prior to accruing PTO.*
• After five years, 22 PTO days each year.*
• After ten years, 27 PTO days each year.*
• Employees must also complete the 90-day introductory period prior to accruing PTO.*New employees will receive 16 hours of paid sick time upon their hire date.*
• Health, dental, prescription drug card, vision, and voluntary life insurance plans.
• Health Savings Account with employer contributions.
• Flexible medical and dependent care spending plans.
• Parental Leave after one year of full time employment.
• 401K plan after 3 months and start of next quarter with employer contributions and profit sharing.
• Free checking account and basic printed checks.
• $50,000 group term life insurance.
• Long term disability insurance.
• Employee Assistance Program.
• EducationalAssistance.

*Paid holidays and paid time off benefits are not applicable for employees that are fully commissioned.

We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, gender identity, sexual orientation, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law. If you need a reasonable accommodation for any part of the employment process, please contact us by email at [e-mail] or by phone at 402-697-8666 and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address. Bank of Colorado supports pay and transparency and complies with all applicable pay transparency laws. For more information, view the EEO KNOW YOUR RIGHTS.