Credit Analyst II

Alpine Bank; Grand Junction (CO); Hybrid; USD 67,000 - 77,000; Full time

Job summary

Alpine Bank is seeking a Credit Analyst II in Grand Junction to underwrite loans and cross over between commercial and consumer products as needed. The role supports Relationship Managers with loan analysis and ensures compliance with underwriting standards.

Qualified candidates have at least two years of bank credit analysis experience, strong financial analysis skills, and a bachelor’s in Finance or Accounting. A Colorado Driver’s license and NMLS license are required.

Qualifications

• Knowledge of underwriting with focus on commercial or consumer products and policies.
• Ability to assess credit risk for loan files.
• Understand financials, accounting, and cash flow.
• Detail oriented and organized to manage loan volume with few errors.
• Familiarity with pricing models and risk weighting.
• Team player with good communication.
• Ability to problem solve and use resources.
• Self-starter, works under pressure, meets deadlines.
• Knowledge of Alpine Bank policies and banking compliance.

Responsibilities

• Execute work following the Bank's processes and procedures.
• Identify trends in income and cash flow, and sources/uses of business cash flow.
• Complete loan analysis and workflow for the Relationship Manager review.
• Ensure cash flow and retained earnings reconcile.
• Identify trends in financial performance or balance sheet concerns.
• Communicate missing items or questions to the Relationship Manager.
• Prepare a written analysis of findings.
• Meet the set goal for completed files.
• Follow underwriting standards with minimal guidance.
• Suggest improvements with supervisor approval when appropriate.
• Participate in special projects as assigned.
• Maintain regular attendance as an essential function.
• Perform other duties as assigned.

Skills

Underwriting knowledge

Credit risk analysis

Financial statement analysis

Attention to detail

Team player

Problem solving

Self-starter

Policy compliance

Confidentiality

Education

High School Diploma or GED

Bachelor's in Finance or Accounting

Master's degree preferred

Tools

NMLS License

Job description

General Purpose

The Credit Analyst II position is a mid-level position involved in underwriting loans, as well as have the ability to cross over from Commercial to Consumer Loans as needed, or by request from the borrower, or as department demand requires.

Essential Duties/Responsibilities

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Executes work following the Bank's processes and procedures.
• Identifies trends in income and/or cash flow, as well as sources and uses of business cash flow.
• Completes the loan analysis and completes workflow requirements for the Relationship Manager to review.
• Ensures that the cash flow and retained earnings reconcile.
• Identifies any trends in the financial performance or balance sheet concerns.
• Communicates missing items or information, as well as concerns or questions to the Relationship Manager.
• Performs a written analysis of findings.
• Meets the set goal for completed files.
• Uses and understands all Alpine Bank's underwriting standards and processes, with little help from management.
• Practices on-going good judgment and analysis in executing responsibilities, problem solving and utilizing available resources.
• Follows established underwriting processes and guidelines when completing their loan files, with a minimum of error.
• When appropriate, suggests or initiates modifications with approval from the Credit Analyst Supervisor to aid in creating better processes.
• Participates in special projects when assigned.
• Regular and reliable attendance is required as an essential function of this position.
• Performs other duties as assigned.

Employees are held accountable for all duties of this job.

Job Qualifications

Knowledge, Skills, and Ability:

• Sufficient knowledge of underwriting, with focus on either commercial or consumer products and policies.
• Ability to assess the credit risk associated with a loan file.
• Understands financials and expertise in accounting and cash flow.
• Detail oriented and organized with an ability to put these into practice to manage a set volume of loans with few errors.
• Good working knowledge of pricing models and risk weighting.
• Demonstrated ability to work successfully as a team player.
• Ability to problem solve and utilize resources.
• Ability to be a self-starter, work well under pressure, and meet deadlines.
• Knowledge and ability to implement Alpine Bank's policies and procedures.
• Understanding and application of banking compliance regulations.
• Understanding how to identify problems and willingness to make recommendations to address them.
• Ability to maintain confidentiality.

Education or Formal Training:

• High School Diploma or General Educational Diploma (GED) equivalency is required.
• Bachelor's Degree (B.A.) in Finance or Accounting is required.
• Master's Degree (M.A.) or equivalent preferred.
• Possession of, or ability to obtain, a valid State of Colorado Drivers' License, required.
• Possession of, or ability to obtain, a valid NMLS License, required.

Experience:

• A minimum of two (2) years of experience as a bank Credit Analyst with expertise in accounting and cash flow and strong understanding of financials preferred.
• An equivalent combination of education and experience may be substituted on a year-to-year basis.

Working Conditions

Working Environment:

This job operates in a professional office environment, that may have a hybrid schedule to include in-office and remote work on select days but can change at management discretion. This role routinely uses standard office equipment such as computers, phones, and multifunction printers. Travel to conferences, meetings and branch locations on a regular basis is necessary.

Physical Activities:

These are representative of those which must be met to successfully perform the essential functions of this job.

This is largely a sedentary role. While performing the duties of this job, the employee is regularly required to talk and hear. Good eyesight and hand/finger dexterity are required. Specific vision abilities required by this job include close vision, distance vision, color vision, and ability to adjust focus. Ability to remain calm and professional with intense conversations. Employee also may have to lift up to 25 pounds.

Note

This job description is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the job.

Starting Rate of Pay is from $32.25 to $37.25 per hour, depending on experience.

For an overview of our employee benefits please visit: Alpine Bank Careers Page

Position anticipated to close November 30, 2026, or until filled.

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws.

For further information, please review the Know Your Rights notice from the Department of Labor.