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Credit Analyst -Corporate Real Estate

Zions Bancorp/ZMSC Job Titles
Vectra Bank Colorado
052562 Requisition #

At Vectra Bank, we’re committed to making this a great place to work and excel. We seek dedicated employees whose talent, drive, and innovative ideas add value to our customers, our colleagues and to our communities. At Vectra Bank, the possibilities are endless – come for a job, stay for a career.

Vectra Bank Colorado is growing and is looking to expand their Corporate Real Estate team.  We are excited to offer an opportunity as a Credit Analyst to an experienced candidate.


We are genuine and humble enough to admit that Credit is a big part of how we do business.  These positions are at the core of our decision making process as to who we do business with and support those individuals who connect businesses to banks and help grow our economy.  Our Credit Analysts Go Somewhere Here!  


We have a strong belief in our credit culture and ensuring that our Analysts are able to support our strategies and vision.  We provide extensive training and believe in fostering development and career progression from this position. 


What are we looking for?

Vectra Bank Colorado is seeking a proven, highly motivated, analytical and articulate individual to support the credit and underwriting process for our Corporate Real Estate Relationship Managers at our Colorado Center and Corporate office in Denver, Colorado. 


This position is responsible for:

  • Completing Credit Presentations on larger CRE secured and unsecured loans $5MM - $100MM in size
  • Portfolio management of loan portfolios ranging in size from $100MM to $500MM
  • Researching market conditions throughout the Western US including: size of market, annual absorption, annual deliveries, vacancy rates, trend analysis
  • Conducting credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to CRE loans
  • Investigating all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches
  • Analyzing financial statements, CRE schedules and related material and making recommendations for approval of credits
  • Analyzing financial conditions and trends; reviews and reports non-compliance with loan covenants
  • Determines cash flow using appropriate tax analysis
  • Preparing summaries, presenting facts, and offering opinions concerning credit-worthiness and any risk items or issues and corresponding mitigants
  • Providing credit information and references for customers, loan officers, or other agencies as requested
  • Ensuring that all credit files include current financial statements, agency reports, etc
  • Making recommendations for loan structure
  • Maintaining control over current accounts, noting payment progress, watching for any developing problems, and keep loan officers informed
  • Keeping abreast of all new credit regulations and laws and ensuring compliance with such
  • May assists with other projects as needed
  • Other duties as assigned


Who should apply?

We want someone who has:

  • Requires a Bachelor’s degree in finance, business, accounting, real estate finance.  MBA degree a plus
  • At least 2+ year credit/financial analysis, lending, underwriting or other directly related experience in addition to a Bachelors or MBA degree
  • 4+ years’ of direct experience preferred
  • Experience in reviewing & negotiating commercial real estate loan documents, dealing with attorneys and ensuring loan documents are in compliance with approved loan structure
  • Experience in underwriting LIHTC loans (4% & 9%) a plus
  • Strong written communication skills and the ability to organize thoughts and present in an orderly, logical and concise manner
  • Experienced in presenting credit presentations to Sr Management, Credit & Loan Committee
  • Strong history of working with various types of CRE loans (Multifamily, Industrial, Office, Retail, Hospitality, Home Builder, LIHTC, Sr Housing) $5MM & larger in size
  • Experienced in financial and spread analysis, credit, lending and underwriting processes and principles
  • Working knowledge of credit risk, legal and regulatory requirements
  • Ability juggle multiple loan requests at one time
  • Strong organizational and time management skills
  • An ability to work under pressure to meet client demands
  • An ability to work with all levels of our credit risk and relationship manager teams
  • Has a strong sense of urgency and commitment to the loan growth goals
  • Good 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, Excel, Power Point, etc. required
  • An appetite for detail and confidence, and can articulate data in a meaningful and understood language


You have to want to be a part of a motivated and driven team and work under respected leaders. We need someone who is proactive, who has a great attitude, who is confident and wants to work with professional people and will inspire them to achieve the department initiatives, including driving loan growth.


Pay range (depending on experience): $51,973 - $78,600

Plus Discretionary Bonus

To review our Benefits Summary click here.


Zions Bancorporation and its affiliates and divisions (“Zions”) is an equal opportunity employer which prohibits all forms of discrimination and harassment. Zions is committed to the principle of equal employment opportunity for all employees and employment candidates and to providing a work environment free of discrimination and harassment. All employment decisions at Zions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, ethnicity, sex, sexual orientation, gender identification, age, national origin, pregnancy, veteran status, family or parental status, or any other status protected by the laws or regulations in the locations where we operate. Zions will not tolerate discrimination or harassment based on any of these characteristics. Zions encourages applicants of all ages.


It is Zions’ policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.


Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site.  You can request reasonable accommodations by contacting us at careers@zionsbancorp.com or 801/844-7628.  Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.


Click here to view our EEO Statement.


Click here to view applicable Federal, State and/or local employment law posters.

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Vectra Bank a division of Zions Bancorporation, N.A. Member FDIC