Sr. Credit Analyst

This position can be based out of Denver or Colorado Springs.

General Summary:

The Senior Analyst is responsible for independently underwriting and risk rating CRE and C&I loans with no maximum ceiling. Analyze personal and business financial, projections, and internal and external reports to determine repayment capacity and ensure compliance with bank policy and federal regulations. Assist with loan portfolio management and monitoring through comprehensive relationship reviews. Identify process problems and propose solutions for the Chief Lending Officer and Chief Credit Officer. Assist with development/training/mentoring of Credit Analysts I and II through one-on-one training and oversight.

Essential Duties/ 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.

Decision Making 

Identifies problems and works with senior level staff to create procedures to resolve or correct the situation; monitors and measures the results. 

Click here for employee benefit information.
This position starts at $81,491 per year and can increase from there depending on experience.

Applications will be accepted through November 30th, 2025. 

Qualifications:

Required Qualifications:

• Education:
  • Minimum 4-year bachelor’s degree in finance, accounting, economics, or similarly related field. Master’s level education in related fields STRONGLY preferred. Relevant banking experience may be substituted at Central Bank’s discretion.
• 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.
• Proficient in or familiar with spreading programs e.g., Moody’s, Buker’s or others.
• 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. 

Salary : $81,491