Credit Analyst II

The Credit Analyst II position is a mid-level position involved in underwriting loans, as well as have the ability to cross over from Commercial to Consumer Loans as needed, or by request from the borrower, or as department demand requires.

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

• Executes work following the Bank’s processes and procedures.
• Identifies trends in income and/or cash flow, as well as sources and uses of business cash flow.
• 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.
• Meets the set goal for completed files.
• 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.
• Participates in special projects when assigned.
• Regular and reliable attendance is required as an essential function of this position.
• Performs other duties as assigned.

Employees are held accountable for all duties of this job.

Job Qualifications

Knowledge, Skills, and Ability:

• Sufficient knowledge of underwriting, with focus on either commercial or consumer products and policies.
• Ability to assess the credit risk associated with a loan file.
• Understands financials and expertise in accounting and cash flow.
• Detail oriented and organized with an ability to put these into practice to manage a set volume of loans with few errors.
• Good working knowledge of pricing models and risk weighting.
• Demonstrated ability to work successfully as a team player.
• 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.
• Understanding and application of banking compliance regulations.
• Understanding how to identify problems and willingness to make recommendations to address them.
• Ability to maintain confidentiality.

Education or Formal Training:

• High School Diploma or General Educational Diploma (GED) equivalency is required.
• Bachelor’s Degree (B.A.) in Finance or Accounting is required.
• Master’s Degree (M.A.) or equivalent preferred.
• Possession of, or ability to obtain, a valid State of Colorado Drivers’ License, required.
• Possession of, or ability to obtain, a valid NMLS License, required.

Experience:

• A minimum of two (2) years of experience as a bank Credit Analyst with expertise in accounting and cash flow and strong understanding of financials preferred.
• An equivalent combination of education and experience may be substituted on a year-to-year basis.

Working Conditions

This job operates in a professional office environment, that may have a hybrid schedule to include in-office and remote work on select days but can change at management discretion. This role routinely uses standard office equipment such as computers, phones, and multifunction printers. Travel to conferences, meetings and branch locations on a regular basis is necessary.

Physical

Activities:

These are representative of those which must be met to successfully perform the essential functions of this job.

This is largely a sedentary…