Senior Credit Officer

As our client's Senior Credit Officer, you’ll partner with relationship managers and credit teams to analyze financials, assign credit ratings, and make informed decisions that balance growth with prudent risk controls. Professionals with 5+ years of commercial credit experience, strong regulatory knowledge, and confidence navigating complex deals will thrive here!

As a Senior Credit Officer, you play a critical role in our client’s risk management and credit decision-making process, ensuring prudent lending practices that support sustainable growth. In this position, you evaluate complex commercial credit requests, apply sound judgment in alignment with established lending policies, and help mitigate credit risk while enabling strong client relationships. Working closely with relationship managers, credit analysts, and key stakeholders, you provide thoughtful, well-informed credit approvals that contribute to a healthy portfolio and long-term financial stability for the company.

This role offers the opportunity to bring expertise, collaboration, and a strategic perspective to decisions that meaningfully impact both the bank and its clients.

• Review credit applications and analyze financial statements, credit reports, and other relevant documents to assess the credit worthiness of potential borrowers.
• Evaluate the financial health, industry risks, and repayment capacity of applicants to determine their eligibility for credit facilities. Determine appropriate credit limits, interest rates, and terms and conditions for approved credit facilities.
• Conduct risk analysis and assign appropriate credit ratings based on established criteria and guidelines, and ensure compliance with regulatory requirements and internal credit policies while making credit decisions.
• Make informed decisions regarding credit approvals, taking into account factors such as the borrower's financial stability, collateral, repayment history, and overall credit risk.
• Collaborate with relationship managers, credit analysts, and other internal stakeholders to gather necessary information and ensure comprehensive credit assessments.
• Communicate credit decisions effectively to relevant parties and provide clear rationale and recommendations for approvals or rejections. Provide guidance and support to colleagues on credit-related matters, including risk mitigation strategies and credit policy interpretation.
• Monitor the credit portfolio and conduct periodic reviews of existing credit exposures to identify potential risks and opportunities for portfolio optimization.
• Proactively manage credit exposures, including performing credit reviews, renewals, and modifications as necessary to maintain portfolio quality and compliance with lending policies.
• Identify and address deteriorating credit quality indicators, taking appropriate action to mitigate potential losses.
• Stay abreast of industry trends, regulatory developments, and best practices in credit risk management.
• Contribute to the enhancement of credit policies, procedures, and systems to streamline processes and improve overall efficiency and effectiveness.

• 5+ years of experience as a credit approver in commercial banking, loan servicing, and related areas, with a focus on loan workouts and distressed asset management.
• Proficiency in financial analysis tools, credit scoring models, and Microsoft Office applications.
• Proven experience in credit analysis, risk assessment, or commercial lending within the banking or financial services industry.
• Strong analytical skills with the ability to interpret financial data, assess credit risk, and make sound judgments.
• Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams and communicate complex concepts clearly and concisely.
• Solid understanding of banking regulations, credit policies, and risk management principles.
• Attention to detail and ability to work under pressure in a fast-paced environment while maintaining accuracy and meeting deadlines.
• A Bachelor's degree in finance, business administration, or a related field is required. An advanced degree is preferred.

Location: Hybrid position in Denver, CO (in the Denver Tech Center or River North)

* Please note that for training, you may need to be on-site 5 days per week, and this role may require some light travel to regional offices across Colorado and New Mexico