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Junior Credit Analyst
Zions Bancorporation
Denver, CO, United States
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Description
Vectra Bank Colorado is excited to offer an opportunity as a Credit Analystto 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 Relationship Managers in our Corporate and Commercial Banking groups located at our Colorado Center and Corporate office in Denver and in our Community Banking regions across the state of Colorado.
This position is responsible for:
• Conducts credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to loan analysis
• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches
• Analyzes financial statements and related material and makes recommendations for approvals of credits
• Analyzes financial conditions and trends; reviews and reports non-compliance with loan covenants
• Determines cash flow using appropriate tax analysis
• Prepares summaries, presents facts, and offers opinions concerning credit-worthiness and any risk items or issues
• Provides credit information and references for customers, loan officers, or other agencies as requested
• Ensures that all credit files include current financial statements, agency reports, etc
• May make recommendations for loan structure
• Maintains control over current accounts, noting payment progress, watching for any developing problems, and keep loan officers informed
• Keeps abreast of all new credit regulations and laws and ensures compliance with such
• May assists with projects as needed
• Other duties as assigned
Qualifications
Who should apply?
We want someone who has:
• Requires a Bachelor’s degree required in finance, business, accounting or a related field
• At least 1 year credit/financial analysis, lending, underwriting or other directly related experience. A combination of education and experience may meet job requirements
• Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles
• Some experience working with various types of loans
• Basic working knowledge of credit risk, legal and regulatory requirements
• 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
• Solid client relationship and communication skills, both verbal and written
• Ability to make sound decisions and recommendations regarding loans
• Working knowledge of computer software programs including spreadsheets, word processing, etc. required
• 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.