Credit Analyst III

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 perform complex credit analysis and underwriting for a diverse portfolio of existing and prospective customers. The Credit Analyst III is responsible for gathering, analyzing, and interpreting financial, collateral, industry, and market information to assess creditworthiness and identify potential risks across a wide variety of loan structures and industries. This role supports sound lending decisions by preparing comprehensive credit recommendations, monitoring portfolio performance, and ensuring compliance with the Bank's credit policies, regulatory requirements, and risk management standards. As a key member of the Credit Administration team, the Credit Analyst III exercises independent judgment and good analytical skills to evaluate commercial, commercial real estate, small business, community development, and other lending opportunities. The ideal candidate possesses good financial statement analysis expertise, the ability to assess complex borrowing relationships, and a commitment to balancing prudent risk management with the Bank's growth and community impact objectives.ResponsibilitiesPrepare comprehensive credit memoranda and present credit recommendations to the EVP/Chief Credit Officer and Loan Committee for new, renewed, extended, and modified loan requests.Analyses include borrower financial strength, repayment capacity, collateral adequacy, guarantor support, management quality, industry and market conditions, community development impact, and recommended risk grades.Collect, spread, and analyze financial statements, tax returns, projections, and other financial information to support underwriting, portfolio management, and credit decision-making.Monitor borrower relationships and loan portfolios to maintain credit quality, assess covenant compliance, identify emerging risks, and minimize potential loss.Prepare internal reports and credit-related analyses for bank officers, senior management, and committees as requested.Collaborate across departments to support strategic growth initiatives, maintain portfolio quality, and promote consistent underwriting standards and credit administration practices.Assist in the development and maintenance of policies, procedures, manuals, and supporting documentation related to credit administration and underwriting activities.Support the development and training of Credit Analysts, Portfolio Managers, and Loan Officers by sharing knowledge, providing guidance, and reinforcing sound credit principles and underwriting practices.Perform other duties and special projects as assigned.QualificationsGood credit analysis and analytical skills.Good knowledge of economics, accounting, and finance.Good knowledge of credit administration, policy, and procedures.Good knowledge of loan documentation and process.Good knowledge of risk analysis.Working knowledge of majority of loan products and programs used by NAB (~ USDA, SBA, BIA, 105(l), NMTC, etc.).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 5+ 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 Culture Native 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 for a hybrid schedule to candidates currently residing in Denver, CO or Idaho at this time.The annual salary range for this full-time position: $79,000 - $118,000.Note to Agency Recruiters: Native 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.