Commercial Banking Credit Analyst

At Vectra Bank, we’re proud to serve the Rocky Mountain region with the strength of a large financial institution and the personal touch of a community bank. Recognized as a Top Workplace, we combine deep resources with attentive, relationship‑driven service to support families, businesses, and the communities we call home.

We’re committed to creating a great place to build a career, welcoming employees whose talent, drive, and diverse perspectives help us deliver custom financial solutions. With day‑one benefits, ample growth opportunities, and a culture centered on listening, collaboration, and care, Vectra Bank is a place to grow, thrive, and make a meaningful impact. We believe we are Big enough to count and small enough to care.

With benefits starting on day one, over 11 bank holidays, and a company committed to career growth and advancement, we are dedicated to being an employer of choice in our industry and community. At Vectra Bank, the possibilities are endless – come for a job, stay for a career.

Vectra Bank Colorado is excited to offer an opportunity as a Commercial Banking Credit Analyst.  

Essential Functions

• Conducts credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to Community Banking commercial loans
• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches
• Responsible to understand of the loan request and the business relationship ensures the accuracy and completeness of financial information received for loan renewals
• Analyzes financial statements and related material and makes recommendations for approvals of credits
• Analyzes financial conditions and trends; reviews and reports non-compliance with loan covenants
• Determines cash flow using appropriate tax analysis
• Prepares summaries, presents facts, and offers opinions concerning creditworthiness and any risk items or issues
• Provides credit information and references for customers, loan officers, or other agencies as requested
• Ensures that all credit files include current financial statements, agency reports, etc.
• May make recommendations for loan structure
• Maintains control over current accounts, noting payment progress, watching for any developing problems, and keep loan officers informed
• Keeps abreast of all new credit regulations and laws and ensures compliance with such
• May assist with projects as needed
• Other duties as assigned

Qualifications

• Requires a Bachelor's in finance, business, accounting or a related field and 1+ years credit/financial analysis, lending, underwriting or other directly related experience. A combination of education and experience may meet job requirements
• Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles
• Some experience working with various types of loans
• Basic working knowledge of credit risk, legal and regulatory requirements
• Ability to work with lending officers and staff
• Good client relationship and communication skills, both verbal and written
• Ability to make sound decisions and recommendations regarding loans
• Working knowledge of computer software programs including spreadsheets, word processing, etc. required

We're looking for someone who is energized by the opportunity to be part of a high-performing, motivated team led by respected and accomplished leaders. The ideal candidate is proactive, confident, and brings a positive, can-do attitude to everything they do. This person thrives in a professional environment, builds strong relationships, and inspires others to contribute to the department's success. A passion for driving results, supporting strategic initiatives, and contributing to loan growth is essential.

Compensation

This position offers a base salary range of $75,000 to $95,000 annually, commensurate with job-related factors such as experience and geographic location, and includes eligibility for an incentive plan. Final compensation will be determined based on a variety of factors, including, but not limited to, relevant experience, skills, expertise, location, education, and certifications.

This position is in-office 5 days a week and does not offer a hybrid or remote schedule.

Benefits

• Medical, Dental and Vision Insurance – START DAY ONE!
• Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
• Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits, including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products