Loan Review Analyst

First Western; Denver (CO); On-site; USD 59,000 - 77,000; Full time

Benefits offered by this job

401(k) plan

Paid parking

Health and wellness benefits

Paid time off

Professional development

Certification sponsorship

Job summary

First Western Trust is seeking a Loan Review Analyst to support the independent Loan Review function, performing loan file analysis, data review, and documentation validation while learning credit risk practices under experienced reviewers.

You will analyze financial information, identify exceptions, and help ensure compliance with lending policies and regulatory expectations across varied portfolios. A collaborative environment supports growth and cross-functional teamwork.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics or related field required.
• 0-3 years underwriting, financial analysis, portfolio analysis, or commercial banking experience required.
• Basic knowledge of commercial, consumer, and residential mortgage lending principles and underwriting practices.
• Understanding of financial statement fundamentals, loan documentation and collateral concepts.
• Familiarity with bank lending policies and procedures.
• Proficient with Microsoft Office applications.

Responsibilities

• Conduct loan reviews across C&I, commercial real estate, consumer, agricultural, and SBA portfolios with appropriate oversight.
• Analyze borrower financial information, repayment capacity, collateral, and guarantor support to assess credit quality.
• Identify and communicate exceptions, risk rating concerns, and other review observations.
• Validate the completeness and accuracy of credit files, collateral records, and approval documentation.
• Prepare review summaries and support communication of findings and recommendations.
• Assist with policy exception tracking, reporting, and follow-up activities.
• Support management and portfolio reporting through data compilation and analysis.

Skills

Credit risk

Financial analysis

Loan review

Data gathering

Education

Bachelor's Degree in Finance/Accounting/Business/Economics

Tools

Microsoft Office

Excel

Job description

Salary: $59,000 - $76,800/YR *Actual offer will be based on experience, location, education, and/or skills*

Applications should be submitted for consideration no later than 10/31.

____________________________________________________________________________________________

Who We're Looking For

You are an analytical and detail-oriented professional who is interested in credit risk, commercial banking, and portfolio analysis. You enjoy digging into financial information, identifying exceptions, and helping ensure a strong credit culture. You are eager to learn, collaborate with cross-functional teams, and build a foundation in loan review, risk assessment, and banking practices.

About the Role

The Loan Review Analyst supports the independent Loan Review function through the execution of fundamental review activities, including loan file analysis, documentation validation, and financial data review. This role develops a foundational understanding of commercial credit, risk assessment, lending policies, and regulatory expectations while working under the guidance of more experienced reviewers. The position assists in identifying exceptions, documenting observations, and ensuring review work is completed in accordance with established methodologies and standards.

What You'll Do

• Conduct loan reviews across C&I, commercial real estate, consumer, agricultural, and SBA portfolios with appropriate oversight.
• Analyze borrower financial information, repayment capacity, collateral, and guarantor support to assist in assessing credit quality.
• Identify and communicate exceptions, risk rating concerns, and other review observations.
• Validate the completeness and accuracy of credit files, collateral records, and approval documentation.
• Prepare review summaries and support the communication of findings and recommendations.
• Assist with policy exception tracking, reporting, and follow-up activities.
• Support management and portfolio reporting through data compilation and analysis.

What You Bring

• Bachelor's Degree in Finance, Accounting, Business Administration, Economics or related field required.
• 0-3 years underwriting, financial analysis, portfolio analysis, or commercial banking experience required.
• Basic knowledge of commercial, consumer, and residential mortgage lending principles and underwriting practices.
• Understanding of financial statement fundamentals, loan documentation and collateral concepts.
• Familiarity with bank lending policies and procedures.
• Skilled in data gathering, organization, and time management.
• Skilled in working effectively with cross-functional teams.
• Skilled in identifying emerging portfolio risks and systemic issues.
• Proficient in Loan Policy to properly identify exceptions.
• Proficient with Microsoft Office applications.

What We Offer

• 401(k) plan with employer match.
• Paid parking and transportation benefits.
• Comprehensive health and wellness benefits, including:
  • Health savings accounts (HSA)
  • Flexible spending accounts (FSA)
  • Medical, dental, and vision coverage
• Generous paid time off and bank holidays.
• Access to training and professional development programs.
• Sponsorship and support for obtaining professional certifications.
• A culture of collaboration, continuous improvement, and shared success.

____________________________________________________________________________________________

Who We Are

At First Western Trust, we’re more than just a financial institution—we’re a team of forward-thinkers committed to excellence, innovation, and impact. Our culture thrives on teamwork and mutual respect, grounded in the belief that diverse perspectives fuel creativity and help us tackle challenges in fresh, effective ways.

We celebrate each other’s successes, welcome new ideas, and take personal ownership in everything we do. A genuine desire to positively impact our clients, communities, and one another drives our work. We meet challenges with a growth mindset, act with urgency and accountability, and constantly strive to raise the bar for ourselves and our clients.

Leadership at First Western means setting an example and fostering a culture of trust, transparency, and respect. Whether you’re just beginning your journey or bringing years of experience, you’ll find a welcoming community where your contributions are valued and your potential is boundless.

• Demand and reward excellence.
• Take action and responsibility.
• Collaborate, communicate openly, and give/receive feedback with trust.
• Go above and beyond to do what’s right—always.

If that sounds like you, you’ll fit right in.

First Western Trust is proud to be an Equal Opportunity Employer. We are committed to creating a diverse, inclusive, and respectful workplace where every team member is valued and given the opportunity to thrive. We welcome applicants of all backgrounds and experiences and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected status. For accommodation requests, please contact [e-mail] .

Region A Pay Range

Pay Range

$59,000 - $76,800 USD

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.

As set forth in First Western’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U