Credit Risk Analyst

Firstbank Lakewood , CO 80226

Posted 2 months ago

Requisition Number 18-1417

Post Date 12/11/2018

Title Headquarters Staff

Title Detail Credit Risk Analyst

City Lakewood

Location Headquarters

State CO

Description Credit Analysts represent the second of three levels in the Business Credit Department. The Credit Analyst will perform underwriting, financial analysis, and recommendations on new, existing, and renewing business loan requests to include the bank's most complex current and prospective commercial borrowers. Financial analysis includes cash flow and balance sheet observations of both the business and guarantors, in addition to structure, source of repayment, industry specific trends, and other risk factors. The borrowers analyzed include a diversified portfolio of companies from a variety of industries. On an ongoing basis, business credits are monitored through borrowing base calculations and covenant testing. In addition, this position is also responsible for providing analysis for other financial exposures of the bank including vendor relationships, ACH originators, and portions of the commercial credit card portfolio.

ESSENTIAL DUTIES AND RESPONSIBILITIES

  • Prepare financial statement spreads and perform credit analysis on historical and projected financial information.

  • Provide recommendations for credits while taking the bank's policies and federal regulations into consideration.

  • Analyze business assets that serve as collateral and determine credit availability.

  • Identify emerging risks in the portfolio.

  • Determine and assign risk score of current and prospective vendor relationships with supervision.

  • Monitor existing loans and/or loan portfolios to identify potential weakness in credit outstanding.

  • Assist market officers with business loan renewals.

  • Provide support to commercial lenders by performing research and statistical analysis.

  • Interpret Loan Policy and regulations with supervision.

  • Create and maintain reports which reflect trends and the financial condition of business customers.

  • Train and mentor Associate Analysts

  • Perform other duties and projects as assigned.

  • Understand and comply with all provisions of the Safety in the Workplace policy.

SUPERVISORY RESPONSIBILITIES

  • N/A

Requirements MINIMUM QUALIFICATIONS OF POSITION

  • Typically requires a bachelor's degree in related field (Business, preferably Finance or Accounting) and a minimum of 2 years of related professional experience. A combination of post-high school education, job related certification and related professional experience equivalent to 5 years may be considered in lieu of minimum requirements.

  • Ability to be bonded

PREFERRED QUALIFICATIONS OF POSITION

  • Bachelor's Degree in Economics or Business with an emphasis in Finance or Accounting.

  • Previous experience originating and structuring business loans, and monitoring performance to identify emerging risk.

KNOWLEDGE AND SKILLS

  • Strong understanding of personal and business financial statements and tax returns

  • Ability to assess cash flow and credit worthiness through underwriting and credit analysis

  • Strong understanding of the banking/lending industry

  • Strong PC skills in Microsoft Word, Excel and Outlook

  • Analytical and decision making skills

  • Thorough understanding of credit file documentation

  • Excellent written and verbal communications skills

  • High initiative and self-motivation

  • Strong interpersonal and customer service skills

  • Detail oriented

WORKING CONDITIONS AND PHYSICAL REQUIREMENTS

Work is performed in an office environment with moderate noise levels and light to heavy traffic. An individual in this position:

  • Frequently remains stationary throughout a typical business day

  • Frequently operates a computer and other office machinery, such as a calculator, copy machine, and computer printer

  • Occasionally moves about inside the office to access file cabinets, office machinery, and other rooms

  • Occasionally positions self to access drawers and shelves of various heights

  • Frequently reaches for and handles paperwork and files

  • Constantly communicates with customers, coworkers, and management in-person and on the phone

  • Must be able to exchange accurate information

Work Hours Monday through Friday

Part Time No

  • FirstBank is an EOE/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or any other applicable status protected by state or local law.

  • Please view Equal Employment Opportunity Posters provided by OFCCP here at http://www.dol.gov/ofccp/regs/compliance/posters/ofccpost.htm .

  • FirstBank will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with FirstBank's legal duty to furnish information. 41 CFR 60-I.35(c)

upload resume icon
See if you are a match!

See how well your resume matches up to this job - upload your resume now.

Find your dream job anywhere
with the LiveCareer app.
Mobile App Icon
Download the
LiveCareer app and find
your dream job anywhere
App Store Icon Google Play Icon
lc_ad

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Epic Application Analyst

SCL Health System

Posted 1 week ago

VIEW JOBS 1/9/2019 12:00:00 AM 2019-04-09T00:00 You. You bring your body, mind, heart and spirit to your work as an Epic Application Analyst. You know how to move fast. You know how to stay organized. You know how to have fun. You're equally comfortable with your analytical and project management skills. You're great at what you do, but you want to be part of something even greater. Because you believe that while individuals can be strong, the right team is invincible. Us. System Services is our Corporate Headquarters in Broomfield, Colorado and is located within the Oracle campus. SCL Health is a faith-based, nonprofit healthcare organization dedicated to improving the well-being of the people we serve. This role will initially sit at our Technology office in Lakewood, CO and eventually move to the corporate office in Broomfield in 2019. Benefits are one of the ways we encourage health for you and your family. Our generous package includes medical, dental and vision coverage. But health is more than a well-working body: it encompasses body, mind and social well-being. To that end, we've launched a Healthy Living program to address your holistic health. Healthy Living includes financial incentives, digital tools, tobacco cessation, classes, counseling and paid time off. We also offer financial wellness tools and retirement planning. We. Together we'll align mission and careers, values and workplace. We'll encourage joy and take pride in our integrity. We'll laugh at each other's jokes (even the bad ones). We'll hello and high five. We'll celebrate milestones and acknowledge the value of spirituality in healing. We're proud of what we know, which includes how much there is to learn. Your day. As an Epic Application Analyst you need to know how to: * Analyze and document user requirements, procedures, and problems to automate or improve existing systems. Review system capabilities, workflow, and scheduling limitations. * Document workflows, configure and/or build activities, change management adherence, end user notifications, training information and status reporting in the appropriate system. * Develop, document and revise system design procedures, test procedures, and quality standards. * Expand or modify system to serve new purposes or improve work flow. Coordinate and link the application within an organization to increase compatibility for information sharing. * Review and analyze the system and performance indicators to locate problems, and correct errors. Escalate problems and issues to appropriate staff to ensure timely resolution. * Coordinate projects, schedule and facilitate meetings as necessary to complete assignments. * Promote mission, vision, and values of SCL Health, and abide by service behavior standards. * Perform other duties as assigned. Your experience. We hire people, not resumes. But we also expect excellence, which is why we require: * High School Diploma or equivalent, required * Minimum of two (2) years of experience in healthcare, technology or related field, required * Epic certification for the area in which you support, required within nine (9) months of hire * Obtaining additional proficiency or certification related to assigned modules may be required based on department's operational need and at manager discretion * Previous work experience as a high level/super user, preferred Your next move. Now that you know more about being an Epic Application Analyst on our team we hope you'll join us. At SCL Health you'll reaffirm every day how much you love this work, and why you were called to it in the first place. Organization: Corporate, Various Locations Primary Location: CO-Denver/Boulder/Surrounding Areas-Lakewood Department: SYS-STSC-Hlth NtwkDev Schedule: Full-time Shift: Day Shift FTE: 1 Job Number: 18009234 SCL Health System Lakewood CO

Credit Risk Analyst

Firstbank