Credit Analyst I

“What’s it about?...”

Over the course of your life, you’ve had very private dreams and wishes for yourself, your family, and for a secure future. So many of those dreams require money, and smart advice from someone you trust.

As an Alpine Bank Credit Analyst, you have the chance to help the dreams of others to come true. You’ll help make sure that the person you’re helping is an exact fit for the credit they seek.

Pretty great!

Below, we’ll get into some nuts and bolts of what we’re looking for. Don’t let the wealth of details overwhelm you. We believe in you. You can do it.

General Purpose

The Credit Analyst I is an entry level position involved in underwriting loans with a focus on a specific sector of either commercial or consumer products while closely working with other Credit Analysts and the Credit Analyst Supervisor.  This position could be based out of any of Alpine Bank's 40 locations, pending available space.

Essential Duties/Responsibilities

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

• 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. 

Employees are held accountable for all duties of this job.

Job Qualifications

Knowledge, Skills, and Ability:

• 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. 

Education or Formal Training:

• High School Diploma or General Educational Diploma (GED) equivalency required.
• Bachelor’s Degree (B.A.) in Finance or Accounting required.
• Master’s Degree (M.A.) or equivalent preferred. 
• 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.

Experience:

• 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. 

Working Conditions

Working Environment:

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, and photocopiers.  Travel to conferences, meetings and branch locations on a regular basis is necessary. 

Physical Activities:

These are representative of those which must be met to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to talk or hear. This is largely a sedentary role.  Specific vision abilities required by this job include close vision, distance vision, color vision, and ability to adjust focus.   Employee also may have to lift up to 25 pounds. 

Note: This job description is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the job.

Starting Rate of Pay is from $26.00 - $28.84 per hour, depending on experience.

For an overview of our employee benefits please visit: Alpine Bank Careers Page

Position is anticipated to close on January 31, 2025, or until filled.

Salary : $26 - $29