Credit Analyst-Banking - Front Range State Bank

Front Range State Bank is a locally managed independent community bank founded in 1899 located in Longmont, Colorado, offering an array of customized and personalized banking services that meet the needs of businesses and personal clientele. Front Range State Bank takes pride in developing personal relationships with its clients while maintaining the highest level of professional service.

Our mission is to not only provide personalized banking services for our clientele, but to encourage our staff to personally contribute to making a difference in the communities that we serve. -The Bank is also working towards being a community leader that balances purpose with profit by considering the impact of its decisions on its workers, customers, suppliers, community, and the environment.

What we are looking for:

Front Range State Bank is looking for a driven, reliable, hardworking employee who wants to make a difference and provide exceptional customer service for our clients and in our community. If your goal is to build a career that is impactful & fulfilling, consider joining the dedicated team at Front Range State Bank in our Longmont, CO office.

Benefit Package Offered: (Subject to Eligibility Requirements)

• 401(k) Profit Sharing Plan
  
• 401(k) Matching
  
• Medical, Dental and Vision Insurance
  
• Heath Savings Account with company contribution -
  
• Employer paid Life/LTD
  
• AD&D Insurance
  
• Paid Vacation, Sick and Holiday time
  
• Flexible Spending Account
  
• Professional Development Resources/Tuition Reimbursement
  
• Employee Assistance Program
  
• An annual bonus may be paid to eligible employees based on organization & individual performance.
  
  
  The Credit Analyst performs independent analysis for consumer, commercial, construction and agricultural loan requests for moderate to complex borrowers for underwriting and review purposes by performing the following duties:
  
  ESSENTIAL DUTIES AND RESPONSIBILITIES:
  
  
  
  
  • Analyze financial statements and tax returns of varying levels of quality and complexity to develop an initial assessment by identifying strengths and weaknesses pertaining to borrower's historical performance.
    
  • Review and complete independent credit analyses of consumer, commercial, construction and agriculture loan requests of varying sizes, complexity, structure and industry.
    
  • Ability to recognize trends and changes in trends throughout the years analyzed. Ability to work with the lender to describe why a change in trends occurred. Review borrowing base statements with lender.
    
  • -Collaboratively work with lenders to obtain complete underwriting packages, set turnaround expectations, discuss alternative structures and overall credit assessments.
    
  • Prepare and review in depth written analyses, including but not limited to financial statement spreads, loan presentations and annual reviews for relationships of all sizes and levels of complexity, including those with greatest exposure.
    
  • Research industry specific data from outside sources, including information from borrower, industry publications, references from other financial institutions, credit agencies and the internet. -
    
  • Provide and review written analyses that include strengths and weaknesses of credit applicants for approval, denial or alternative structure to lenders.
    
  • Assist in preparing and finalizing loan committee packets for distribution.
    
  • Attend various committee meetings including loan committee to answer questions pertaining to credit analyses.
    
  • Verify compliance with laws, regulations and Bank policies including enforcement of Bank loan policies and credit culture. Complete semi-annual compliance training to become familiarized with any changes and adhere to applicable Federal and State banking laws and regulations.
    
  • Participate in customer meetings as requested by Lenders.
    
  • Assist in report generation to the Board of Directors and Regulatory Agencies.
    
  • Review and analyze market evaluations for completeness and reliability.
    
  • Assist Chief Credit Officer in preparation of management reports to include the ALLL, Concentration CRE, OREO and Problem Loan reports.
    
    
    NONESSENTIAL DUTIES AND RESPONSIBILITIES:
    
    
    
    
    • Provide technical expertise to other loan department staff.
      
    • Participate in various special projects as assigned.
      
    • -Perform all other duties as assigned.
      
      
      Qualifications:
      
      To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
      
      Education/Experience:
      
      Bachelor's degree (B. A.) from four-year college or university, preferably in accounting and/or finance; or equivalent combination of education and experience. Prior experience strongly preferred.
      
      Language Ability:
      
      Ability to read, analyze, and interpret financial statements, tax returns an governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
      
      Math Ability:
      
      Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. -Ability to compute rate, ratio, and percent and draw and interpret bar graphs. Ability to apply mathematical operations to such tasks as frequency distribution, determination of test reliability and validity, analysis. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
      
      Reasoning Ability:
      
      Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
      
      Computer Skills:
      
      To perform this job successfully, an individual should have knowledge of Microsoft Word and Excel software.
      
      Certificates and Licenses:
      
      No certifications needed.
      
      Supervisory Responsibilities:
      
      This job has no supervisory responsibilities.
      
      Work Environment:
      
      The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
      
      The noise level in the work environment is usually moderate.
      
      Physical Demands:
      
      The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
      
      The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by the job include Close vision. While performing the duties of this Job, the employee is regularly required to sit. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; reach with hands and arms; stoop, kneel, crouch, or crawl and talk or hear.
      
      Benefits: -Standard Bank benefits package including health, dental, vision, life, ltd, 401K, EAP, paid days off and a bonus program.
      
      Salary Range: -$55,000 - $78,000 depending upon experience
      
      Front Range State Bank is an Equal Opportunity Employer, Affirmative Action Employer - -