Credit Analyst III

The Credit Analyst III is a higher-level position that will perform analysis on those credits that have been deemed complex and/or as the queue demands. Workload should consist of committee level loans with potential to present the financial findings at loan committee and field questions regarding the analysis.

This position could be based out of any of Alpine Bank’s locations, pending available space.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Completes the loan analysis and completes workflow requirements for the Relationship Manager to review.
• Ensures that the cash flow and retained earnings reconcile.
• Identifies any trends in the financial performance or balance sheet concerns.
• Communicates missing items or information, as well as concerns or questions to the Relationship Manager.
• Performs a written analysis of findings.
• Uses and understands all Alpine Bank’s underwriting standards and processes, with little help from management.
• Practices on-going good judgment and analysis in executing responsibilities, problem solving and utilizing available resources.
• Follows established underwriting processes and guidelines when completing their loan files, with a minimum of error.
• When appropriate, suggests or initiates modifications with approval from the Credit Analyst Supervisor to aid in creating better processes.
• Embodies United in Success and apply guiding principles in daily interactions.
• Meets the goal point defined for a Credit Analyst III, focusing on more complex loans.
• Completes any loan type, including those meeting complex loan criteria.
• Daily Inquiries, looking over analyses with other analysts to make sure that the spreads are correct when they have questions.
• Loan Committee Packet Review
  - Spot checking files routed to analyst review to ensure that the pricing, parameters, details are correct; and that the necessary spreads are attached. Not the same as a full-scale audit.
• Assists with special projects as needed.
• Regular and reliable attendance is required as an essential function of this position.
• Performs other duties as assigned.

• Expert knowledge of underwriting, with focus inclusive of: CRE, spec & development loans, C&I loans, Troubled Debt Restructurings, tax exempt loans, municipal fund accounting and other loans of large dollar amounts or high risk in nature.
• Proficiencies with both personal and business spreads.
• Ability to assess the credit risks associated with a loan file.
• A strong understanding of financials and expertise in accounting and cash flow.
• Demonstrated ability to work successfully as a team player.
• Ability to execute job duties with the ability to problem-solve and utilize resources.
• Ability to be a self-starter, work well under pressure, and meet deadlines.
• Knowledge and ability to implement Alpine Bank’s policies and procedures.
• Understands and applies banking compliance regulations.
• Understands how to identify problems and willingness to make recommendations to address them.
• Ability to maintain confidentiality.

• High School Diploma or General Educational Diploma (GED) equivalency is required.
• Bachelor’s Degree (B.A.) in Finance or Accounting required.
• Master’s Degree (M.A.) or equivalent preferred.
• Possession of, or ability to obtain, a valid State of Colorado Driver's License, required.
• Possession of, or ability to obtain, a valid NMLS License, required.
• Principals of Banking to be completed within 1 year of hire.

• A minimum of 18 months’ experience working as a Credit Analyst with expertise in accounting and cash flow and strong understanding of financials is preferred.
• An equivalent combination of education and experience…