Credit Analyst III

Alpine Bank; Rifle (CO); Hybrid; USD 46,000 - 53,000; Full time

Job summary

Alpine Bank is seeking a Credit Analyst III to perform in-depth analysis on complex credits and assist with loan committee presentations. The role may be based at any Alpine Bank location, with a hybrid work arrangement.

You will review cash flow, retained earnings, and financial trends, producing written analyses and ensuring adherence to underwriting standards. The position emphasizes accuracy and problem-solving in a team setting.

Qualifications

• Minimum 18 months’ experience as a Credit Analyst with accounting and cash flow focus.
• Experience with large-dollar or high-risk loan portfolios and underwriting standards.
• Ability to assess credit risks and maintain confidentiality while applying policy.

Responsibilities

• Completes the loan analysis and workflow requirements for the Relationship Manager to review.
• Ensures cash flow and retained earnings reconcile.
• Identifies trends in financial performance or balance sheet concerns.
• Communicates missing items or information to the Relationship Manager.
• Performs a written analysis of findings.
• Follows underwriting processes and guidelines with minimal supervision.
• Supports modifications with approval from Credit Analyst Supervisor to improve processes.
• Meets goal points for Credit Analyst III on complex loans.
• Reviews loan committee packets for accuracy of pricing and controls.

Skills

Underwriting expertise

CRE loans

Financial statement analysis

Cash flow analysis

Team player

Attention to detail

Compliance knowledge

Ability to meet deadlines

Education

GED or equivalent

Bachelor's in Finance or Accounting

Master's degree preferred

Colorado Driver's License

NMLS license required

Banking principles within 1 year

Job description

General Purpose

The Credit Analyst III is a higher-level position that will perform analysis on those credits that have been deemed complex and/or as the queue demands. Workload should consist of committee level loans with potential to present the financial findings at loan committee and field questions regarding the analysis.

General Purpose

The Credit Analyst III is a higher-level position that will perform analysis on those credits that have been deemed complex and/or as the queue demands. Workload should consist of committee level loans with potential to present the financial findings at loan committee and field questions regarding the analysis.

This position could be based out of any of Alpine Bank’s locations, pending available space.

Essential Duties/Responsibilities

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

• 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.
• 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.
• Embodies United in Success and apply guiding principles in daily interactions.
• Meets the goal point defined for a Credit Analyst III, focusing on more complex loans.
• Completes any loan type, including those meeting complex loan criteria.
• Daily Inquiries, looking over analyses with other analysts to make sure that the spreads are correct when they have questions.
• Loan Committee Packet Review- Spot checking files routed to analyst review to ensure that the pricing, parameters, details are correct; and that the necessary spreads are attached. Not the same as a full-scale audit.
• Assists with special projects as needed.
• 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:

• Expert knowledge of underwriting, with focus inclusive of: CRE, spec & development loans, C&I loans, Troubled Debt Restructurings, tax exempt loans, municipal fund accounting and other loans of large dollar amounts or high risk in nature.
• Proficiencies with both personal and business spreads.
• Ability to assess the credit risks associated with a loan file.
• A strong understanding of financials and expertise in accounting and cash flow.
• Demonstrated ability to work successfully as a team player.
• Ability to execute job duties with the 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.
• Understands and applies banking compliance regulations.
• Understands 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 required.
• Master’s Degree (M.A.) or equivalent preferred.
• Possession of, or ability to obtain, a valid State of Colorado Driver's License, required.
• Possession of, or ability to obtain, a valid NMLS License, required.
• Principals of Banking to be completed within 1 year of hire.

Experience

• A minimum of 18 months’ experience working as a Credit Analyst with expertise in accounting and cash flow and strong understanding of financials is preferred.
• An equivalent combination of education and experience may be substituted on a year-to-year basis.

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

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 $33.25 to $38.25 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.