Jr. Credit Analyst

This position can be based out of locations in the Denver, Colorado area; Colorado Springs, Colorado; Durango, Colorado, Cary, North Carolina; or remote subject to bank review and approval. This position will support commercial lending in Colorado and North Carolina.Analyze Commercial Loan Requests To IncludeSpreading business and personal financial statements and tax returnsAnalyze strengths and weaknesses identified through spreads for trends and areas of concernPrepare/present charts and graphs as necessaryAbility to create and use equations in Excel strongly preferredAccuracy in data entry for spreading financial statements a requirementPrepare written credit analysis (write-ups) based on the above analysisSuggest/assist with loan structure based on analysisPrepare annual reviews of commercial loansMonitor credit files and provide periodic analysis for documentation such as financial statementsPrepare administrative reports as requestedAssist commercial lending staff as neededAbility to work independently including prioritization of tasks and communication of needs and time availability (request for assistance when necessary)Other duties as assignedNOTE – this is NOT a residential or consumer mortgage underwriting position although the occasional large residential construction loan request may require assistance in analysis.Click here for employee benefit information.This position starts at $58,734 per year and can increase from there depending on experience.Applications will be accepted through September 1st, 2024.Bachelor's degree in accounting, finance, economics or other related field STRONGLY preferred; sufficient experience may be substituted at Central Bank’s discretionPrevious commercial loan credit analysis (C&I and commercial real estate including construction lending) experience REQUIREDAt least 2 years of banking experience in commercial lending, underwriting and/or client managementProficient in MS Word and Excel; familiarity with spreading programs (eg: Moody’s, Bukers, Sageworks or others) STRONGLY preferredStrong analytical skills – ability to identify and answer “why?” issues in credit underwritingStrong verbal and written communications skillsAbility to work under pressure with attention to detail