Credit Analyst - Denver, CO
Company: Zions Bancorporation
Location: Denver
Posted on: October 18, 2024
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Job Description:
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.
Keywords: Zions Bancorporation, Fort Collins , Credit Analyst - Denver, CO, Professions , Denver, Colorado
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