At Vectra Bank, the Rocky Mountain region is a part of who we are, and we understand why families and businesses choose to live, grow, play and work here. Recently recognized as one of the Denver Posts Top Workplaces for 2022. Vectra Bank Colorado offers our customers, and our employees, the best of both worlds: a broad reach and depth of financial resources alongside unparalleled personal attention. At Vectra, we think creatively to shape custom financial solutions for those raising a family or creating the next great local business. We are passionate about our business, and we are passionate about success. At Vectra, we're committed to making our company a great place to work and grow your career. We seek dedicated employees whose diversity, talent, drive and innovative ideas add value to our customers, our colleagues and to our communities. At Vectra, we actively listen to our employees and our customers, initiate contact, provide solutions, and proactively focus on building relationships - not increasing transactions. We do this by offering technology and resources typically only found within larger banks and combining those resources with an exceptional level of service more commonly associated with community banks and smaller financial institutions. We personify this difference through our tagline: Big Enough to Count / Small Enough to Care.With benefits starting on day one, over 11 bank holidays, and a company committed to career growth and advancement, Vectra is dedicated to being an employer of choice in our industry and community. At Vectra Bank, the possibilities are endless - come for a job, stay for a career. We are looking for a Credit Analyst in Denver, CO. Essential Functions: 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. Responsible to understand of the loan request and the business relationship ensures the accuracy and completeness of financial information received for loan renewals. 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 assist with projects as needed. Other duties as assigned. Qualifications: Requires a Bachelor's in finance, business, accounting or a related field and 2+ years credit/financial analysis, lending, underwriting or other directly related experience. A combination of education and experience may meet job requirements.Working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles.Solid experience working with various types of loans.Working knowledge of credit risk, legal and regulatory requirements.Ability to work with lending officers and staff. 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. Benefits: Medical & Dental Insurance & Vacation & Profit Sharing - START DAY ONE! 401(k) plan, competitive compensation in line with work experience. Most roles eligible for sales bonuses + monthly incentives and/or annual discretionary bonus, some roles include mileage + travel time pay, and/or parking waivers (must meet eligibility requirements Paid Training, Paid Vacation, Paid Holidays, and promotional opportunities offered from within Tuition Reimbursement for qualifying employees Stable Employer, we are a division of Zions Bancorporation and included in the S&P 500 & NASDAQ Financial 100 indices. This position is eligible to earn a base salary in the range of $65,000 - $85,000 annually depending on job-related factors such as level of experience.
