Commercial Real Estate Credit Analyst - Denver, CO

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, and play here. Consistently recognized as a Top Workplace by The Denver Post, we offer our customers and 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 as passionate about business as we are 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 an experienced Credit Analyst for Commercial Real Estate to provide top-notch customer service to our clients and customers. This role involves underwriting Commercial Real Estate loans of all types including the preparation of Credit Presentations, market analysis, financial statement analysis, review of financial and property covenants, preparation of loan status reviews and problem loan reports. If you are passionate about being part of a community, being a team player, and helping others reach their financial goals, then we are interested in speaking with you! 

Essential Functions:

• Prepares Credit Presentations including: a thorough analysis of market conditions, financial capacity of borrowers and guarantors, sensitivity analysis based on loan & market metrics, lease reviews, loan structuring, and analysis & mitigation of risks.
• 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.

Qualifications:

• Requires a Bachelor's in finance, business, accounting or a related field and 4+ years credit/financial analysis, lending, underwriting or other directly related experience. A combination of education and experience may meet job requirements.
• Extensive knowledge of financial and spread analysis, credit, lending and underwriting processes and principles.
• Solid experience working with various types of loans. 
• Extensive knowledge of credit risk, legal and regulatory requirements.
• Ability to work with lending officers and staff.
• Strong 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.

This position is eligible to earn a base salary in the range of $74,250 to $108,900 depending on job-related factors such as level of experience and location.

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.