Credit Analyst III

NATIVE AMERICAN BANK N A; Denver (CO); Hybride; USD 79 000 - 118 000; Plein temps

Avantages offerts par ce poste

Health, Dental & Vision Insurance

401(k) with company match

Paid Time Off

Volunteer Time Off

Résumé du poste

Native American Bank seeks an experienced Commercial Credit Analyst III to perform complex underwriting for a diverse loan portfolio, including commercial, CRE, and small business lending.

The role emphasizes financial statement analysis, risk assessment, and adherence to bank policies while supporting growth and community impact objectives.

Qualifications

• Undergraduate degree in Accounting, Finance, or business-related field from an accredited college/university.
• Strong credit analysis and financial statement interpretation.
• Experience with underwriting across commercial, CRE, and small business loans.
• Familiarity with NAB loan programs (USDA, SBA, BIA, NMTC) is a plus.
• Excellent written & verbal communication; ability to prepare concise credit memos.

Responsabilités

• Prepare credit memoranda and present recommendations to Loan Committee.
• Analyze borrower strength, collateral, and industry conditions.
• Gather financial statements, tax returns, and projections for underwriting.
• Monitor portfolio and ensure covenant compliance and risk management.
• Support development and maintenance of underwriting policies and procedures.
• Train and mentor junior analysts and credit staff.
• Contribute to credit administration and cross-department collaboration.
• Perform other duties as assigned.

Connaissances

Credit analysis

Economics/finance knowledge

Credit administration policies

Loan documentation

Risk analysis

Verbal & written communication

Technical report writing

Customer service & interpersonal

Microsoft Office proficiency

Independence & time management

Attention to detail

Formation

Undergraduate degree in Accounting/Finance/Business

Outils

Microsoft Office

Description du poste

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 perform complex credit analysis and underwriting for a diverse portfolio of existing and prospective customers. The Credit Analyst III is responsible for gathering, analyzing, and interpreting financial, collateral, industry, and market information to assess creditworthiness and identify potential risks across a wide variety of loan structures and industries. This role supports sound lending decisions by preparing comprehensive credit recommendations, monitoring portfolio performance, and ensuring compliance with the Bank's credit policies, regulatory requirements, and risk management standards.

As a key member of the Credit Administration team, the Credit Analyst III exercises independent judgment and good analytical skills to evaluate commercial, commercial real estate, small business, community development, and other lending opportunities. The ideal candidate possesses good financial statement analysis expertise, the ability to assess complex borrowing relationships, and a commitment to balancing prudent risk management with the Bank's growth and community impact objectives.

Responsibilities

• Prepare comprehensive credit memoranda and present credit recommendations to the EVP/Chief Credit Officer and Loan Committee for new, renewed, extended, and modified loan requests.
• Analyses include borrower financial strength, repayment capacity, collateral adequacy, guarantor support, management quality, industry and market conditions, community development impact, and recommended risk grades.
• Collect, spread, and analyze financial statements, tax returns, projections, and other financial information to support underwriting, portfolio management, and credit decision-making.
• Monitor borrower relationships and loan portfolios to maintain credit quality, assess covenant compliance, identify emerging risks, and minimize potential loss.
• Prepare internal reports and credit-related analyses for bank officers, senior management, and committees as requested.
• Collaborate across departments to support strategic growth initiatives, maintain portfolio quality, and promote consistent underwriting standards and credit administration practices.
• Assist in the development and maintenance of policies, procedures, manuals, and supporting documentation related to credit administration and underwriting activities.
• Support the development and training of Credit Analysts, Portfolio Managers, and Loan Officers by sharing knowledge, providing guidance, and reinforcing sound credit principles and underwriting practices.
• Perform other duties and special projects as assigned.

Qualifications

• Good credit analysis and analytical skills.
• Good knowledge of economics, accounting, and finance.
• Good knowledge of credit administration, policy, and procedures.
• Good knowledge of loan documentation and process.
• Good knowledge of risk analysis.
• Working knowledge of majority of loan products and programs used by NAB (~ USDA, SBA, BIA, 105(l), NMTC, etc.).
• 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 5+ 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

• Pass background check prior to hire.
• This position allows to hybrid schedule to candidates currently residing in Denver, CO or Idaho at this time.
• The annual salary range for this full-time position: $79,000 - $118,000.