Sr. Credit Analyst

Location:

Denver or Colorado Springs.

The Senior Analyst is responsible for independently underwriting and risk rating CRE and C&I loans with no maximum ceiling. The role involves analyzing personal and business financial, projections, and internal and external reports to determine repayment capacity and ensuring compliance with bank policy and federal regulations. Additional duties include loan portfolio management, relationship reviews, process improvement recommendations, and training of Credit Analysts I and II.

• Gather and organize supporting loan documentation for underwriting.
• Independently and accurately spread and evaluate various types of personal and commercial financial statements including balance sheets, income statements, statements of cash flow, and tax returns.
• Communicate directly with Central Bank’s lending staff and customers to obtain credit information for underwriting.
• Prepare comprehensive loan memorandums detailing loan requests and credit quality for loan presentations and approval.
• Underwrite and risk rate CRE and C&I loans with no maximum ceiling.
• Maintain effective relationships with lending staff, Senior Lenders, and Chief Credit Officer.
• Ensure that procedures and credit requests comply with Central Bank’s loan policy.
• Successful completion of internal and external training as required.
• Participate and identify external training modules at least 2 times per year.
• Lead group debriefs after training completion (frequency and timing depend on the training).
• Prepare administrative reports as requested and assist commercial lending staff as needed.
• Stay updated on industry trends, economic indicators, and regulatory changes that may impact credit risk.
• Create and use advanced equations in Excel.
• Monitor and manage the credit exposure of existing borrowers by reviewing documents, conducting periodic risk assessments, preparing annual reviews of commercial loans, and providing periodic analysis.

Identifies problems and works with senior level staff to create procedures to resolve or correct the situation; monitors and measures the results.

Click here for employee benefit information.

This position starts at $81,491 per year and can increase from there depending on experience.

Applications will be accepted through November 15th, 2025.

• Education:
  • Minimum 4‑year bachelor’s degree in finance, accounting, economics, or a similarly related field. Master’s level education in related fields strongly preferred. Relevant banking experience may be substituted at Central Bank’s discretion.
• Minimum 5 years’ experience as a credit analyst or similar field and proven ability to perform all duties/requirements of the Sr. Central Bank Credit Analyst position.
• Advanced understanding of accounting and financial principles.
• Excellent written and verbal communication skills, with the ability to present complex financial information clearly and concisely.
• Strong proficiency with Microsoft Office programs, especially Excel and Word.
• Proficient in or familiar with spreading programs such as Moody’s, Beker’s or others.
• Advanced analytical skills – ability to identify and answer “why” issues in credit underwriting.
• Projects a professional image and collaborates with others in the department to accomplish goals and demanding deadlines.
• Strong time management and organization skills and ability to meet stringent deadlines.