Credit Analyst II

Bank of Colorado; Fort Collins (CO); On-site; USD 62,000 - 79,000; Full time

Benefits offered by this job

Health insurance

PTO 17 days

8 paid holidays

401K plan

Long-term disability

Life insurance

Job summary

Bank of Colorado is seeking a leader to provide direction to credit analysts in Fort Collins, ensuring timely and accurate completion of credit analysis functions. The role follows a Monday–Friday 8:00AM–5:00PM schedule with a yearly compensation range.

The successful candidate will supervise and train analysts, participate in loan committee meetings, and maintain rigorous confidentiality of credit information, while supporting the bank's loan documentation software and collateral monitoring

Qualifications

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

Responsibilities

• 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.
• 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.

Skills

Leadership

Communication

Team management

Attention to detail

Education

High School diploma

College degree in business/finance/economics/accounting

Tools

Sageworks software

Job description

General Summary

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

• SCHEDULE: Monday - Friday 8:00AM - 5:00PM
• COMPENSATION: Yearly $62,400 - $79,040

Responsibilities And Duties

• 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.