Credit Analyst II

Commercial Credit AnalystSummary Native American Bank is a one-of-kind institution that is an Agent of Change for Native Communities. At our core, we are committed to the vision and mission of the Bank. We believe our employees are our greatest asset, and we are at our best through teamwork. This is an excellent opportunity for an experienced Commercial Credit Analyst to conduct complex credit analyses including gathering, analyzing and interpreting all types of commercial lending credit information on existing and prospective customers and portfolio while assuring compliance policy objectives are met.*This role is only open to candidates currently residing within a 45 miles radius from Denver, CO at this timeResponsibilitiesPrepare and present credit reports to SVP/Chief Credit Officer and committee meetings for use in making lending decisions on new, renewal and extension of loans.Recommend loan decisions for approval or denial based upon thorough analysis.Recommend a risk grade associated with each new and existing loan request.Monitor customer accounts and loan portfolios to maximize credit quality and minimize risk and potential loss and monitor ongoing borrower performance through measurement of loan covenants.Assist in collecting and spreading financial statement information.Assist in the development of manuals and supporting documentation to accomplish tasks/duties inherent in this position.Prepare internal reports for bank officers as requested.Performs other related duties as necessary or assigned.QualificationsWell-developed credit analysis and analytical skills.Good knowledge of economics, accounting, and finance.Basic knowledge of credit administration, policy, and procedures.Knowledge of loan documentation and process.Basic knowledge of risk analysis.Strong verbal & written communication skills.Effective technical report writing skills.Customer service and interpersonal skills.Proficiency in Microsoft applications e.g., Word, Excel, Outlook.Effective organizational skills, time management and problem-solving skills.Ability to work independently, prioritize work and handle multiple tasks.Attention to detail, self-motivation and the ability to take initiative.Minimum of Undergraduate Degree in Accounting, Finance, or business-related field from an accredited college/universityA minimum of 4+ years of banking experience in advanced commercial credit analysis and/or lending activities in Lending analysis is required for this position.Physical RequirementsProlonged periods of sitting at a desk and working on a computer.Must be able to lift 15 pounds at times.BenefitsCompetitive salary and benefit packageProfessional development opportunitiesHealth, Dental and Vision InsuranceHealth Savings Account with company contributionEmployer paid Short-term and Long-term disability insuranceEmployer paid Life Insurance401(k) plan and matchingRTD Eco Pass (Denver) / ORCA (Seattle)Pet InsurancePaid Time OffVolunteer Time OffCompany CultureNative American Bank is a full-service community bank committed to meeting the financial needs of individuals, businesses, and non-profits within the Native American community and beyond. Our focus is on delivering a personalized banking experience that honors cultural sensitivities. Since our founding in 2001, our mission has been to empower Native American and Alaskan Native individuals, enterprises, and governments by providing affordable and flexible banking and financial services tailored to their unique goals. We take pride in cultivating personal relationships with our customers while upholding the highest standards of professionalism. Our diverse range of services includes personal and business banking, lending solutions, and more, all designed to support our clients' aspirations. At Native American Bank, we go beyond traditional banking by encouraging our employees to engage in community service through our Mission in Motion program. We believe in giving back and nurturing a collaborative spirit among our neighbors. By joining Native American Bank, you play a crucial role in helping our community thrive while ensuring that our financial practices are guided by our cherished traditional values.Additional InformationPass background check prior to hire.This position allows a hybrid schedule to candidates currently residing within a 45 miles radius from Denver, CO at this time.The annual salary range for this full-time position: $68,700 - $85,900.Note to Agency RecruitersNative American Bank will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Native American Bank colleagues, directly or indirectly, will be considered Native American Bank property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.