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Central Bank · 15 hours ago

Sr. Credit Analyst

Englewood, CO

Full-time

Onsite

Mid, Senior Level

5+ years exp

Central Bank is seeking a Senior Credit Analyst responsible for independently underwriting and risk rating CRE and C&I loans. The role involves analyzing financial statements, ensuring compliance with bank policies, and mentoring junior analysts while managing credit exposure and loan portfolio monitoring.

FinanceFinancial Services

Responsibilities

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

Independently able to 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

Independently 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. Promote teamwork within the department

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 a minimum of 2 times per year

Once training is complete, the Senior Analyst will lead group debriefs. Debriefs would act as a review of the material to make it easier to digest and allow for questions and sharing of knowledge/real world application. The frequency and timing of debriefs will 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 related to finances and conducting periodic risk assessments. Prepare annual reviews of commercial loans. Monitor credit files and provide periodic analysis

Qualification

Credit analysisFinancial statement evaluationAdvanced Excel skillsAccounting principlesMicrosoft Office proficiencyAnalytical skillsWritten communicationVerbal communicationTime managementOrganizational skills

Required

Minimum 4-year bachelor's degree in finance, accounting, economics, or similarly related field

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

Advanced analytical skills - ability to identify and answer 'why' issues in credit underwriting

Projects a professional image and collaborates with others in department to accomplish goals and demanding deadlines

Strong time management and organization skills and ability to meet stringent deadlines