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Alpine Bank · 1 day ago

Credit Analyst I

Grand Junction, CO

Full-time

Onsite

Entry Level

$26/hr - $28.84/hr

1+ years exp

Alpine Bank is a financial institution dedicated to helping customers achieve their dreams through smart financial advice. The Credit Analyst I position involves underwriting loans in either commercial or consumer sectors while collaborating with other analysts and supervisors to ensure accurate loan assessments.

BankingFinancial ServicesInsuranceVenture Capital

Responsibilities

Underwrites loans, with focus on either the commercial or consumer products

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

Depending on borrow complexity uses global analysis for both commercial and consumer requests

Completes the loan analysis and completes SIMON requirements for the Relationship Manager to review

Ensures that the cash flows and retained earnings reconcile

Identifies any trends in the financial performance or balance sheet concerns

Communicates concerns or questions to the Relationship Manager

Identifies missing items or information and communicate that with the Relationship Manager

Sets up calls or in person meetings with the Relationship Manager to discuss the details of the analysis

Performs a written analysis of findings

Attends Loan Committee meetings to help support the Relationship Manager as needed during committee discussions

Meets file goals outlined for time with the Department

Regular and Reliable attendance is an essential function of this position

Performs other duties as assigned

Qualification

UnderwritingFinancial analysisAccountingCash flow analysisBanking complianceTeam collaborationProblem solvingConfidentialityTime management

Required

Basic knowledge of underwriting, with focus on either commercial or consumer products and policies

General proficiencies with both personal and business spreads

Ability to assess the credit risks associated with a loan file

A strong understanding of financials and expertise in accounting and cash flow

Demonstrated ability work successfully as a team player

Ability to execute job duties with the 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

High School Diploma or General Educational Diploma (GED) equivalency required

Bachelor's Degree (B.A.) in Finance or Accounting required

Possession of, or ability to obtain, a valid State of Colorado Driver's License, required

Possession of, or ability to obtain, a valid NMLS License, required

Preferred

Master's Degree (M.A.) or equivalent preferred

A minimum of one (1) year 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