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Credit Analysis Team Lead
Zions Bancorporation
Denver, CO, United States
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Description
Vectra Bank Colorado is excited to offer an opportunity as a Credit Analyst Team Leaderto an experienced candidate.
We are genuine and humble enough to admit that Credit is a big part of how we do business. These positions are at the core of our decision making process as to who we do business with and support those individuals who connect businesses to banks and help grow our economy. Our Credit Analysts Go Somewhere Here!
We have a strong belief in our credit culture and ensuring that our Analysts are able to support our strategies and vision. We provide extensive training and believe in fostering development and career progression from this position.
What are we looking for?
Vectra Bank Colorado is seeking a proven, highly motivated, analytical and articulate individual to support the credit and underwriting process for our Credit Analyst team at our Colorado Center and Corporate office in Denver, Colorado.
This position is responsible for:
• Manages Credit Analysts and/or Credit Analyst Team Lead and support staff, coordinating work flow to provide optimum efficiency and productivity and ensuring effective service quality standards are met
• Reviews and oversees final credit packages sent for approval to assure appropriate deal structure
• Functions as a senior liaison to Credit Administrators ensuring successful and effective underwriting and credit risk analysis/mitigation for all types of new and renewal of line of business loans at the direction of designated Line of Business Lenders and Credit Administrators
• Consistently develops talent through the partnership with Line of Business Leaders, Learning & Development and Corporate Credit Administration to include providing consistent coaching and feedback to employees
• Proactively addresses performance management and continuously assesses successes and opportunities
• Ensures compliance to established investor and regulatory guidelines
• Preparing financial spreadsheets, semiannual and annual updates of financial statements received from customers
• Providing underwriting and analysis for C&I loans and making recommendations for loan structures
• Presenting loan presentations for credit approval to Loan Committee
• Partnering with Relationship Managers and meeting with customers in preparing the presentation
Qualifications
Who should apply?
We want someone who has:
• Requires a Bachelors degree and 6+ years of credit/financial analysis, lending, underwriting or other directly related experience
• Management experience required
• Motivational, budgeting and project management experience preferred
• Advanced knowledge of commercial and construction loans, credit/financial analysis, lending, underwriting and ability to apply information to current role
• Exhibits an exceptional degree of ingenuity, creativity and resourcefulness in decision making and problem solving.
• Ability to work with management, lending officers and staff
• Excellent communication skills, both verbal and written
• Ability to make sound decisions and recommendations
• Strong knowledge of key credit risk indicators and economic factors impacting credit quality
• Excellent management skills
• An ability to work with all levels of our credit risk and relationship manager teams.
• Has a strong sense of urgency and commitment to the loan growth goals
• An appetite for detail and confidence, and can articulate data in a meaningful and understood language
You have to want to be a part of a motivated and driven team and work under respected leaders. We need someone who is proactive, who has a great attitude, who is confident and wants to work with professional people and will inspire them to achieve the department initiatives, including driving loan growth.