Credit Analyst

Credit Analyst

Location: Denver, CO (In-Office)

Job Type: Full-Time Exempt

Salary: $30.29 - $43.27/HR *Actual offer will be based on experience, location, education, and/or skills*

Applications should be submitted for consideration no later 05/10/2025

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You're an accurate and timely professional who takes pride in delivering precision and consistency in everything you do. Whether it's analyzing financial data, processing loan documents, or preparing loan presentations, you ensure every detail is thoroughly reviewed and documented. You're committed to maintaining the quality of our loan portfolio, identifying potential issues early, and ensuring all loan information is up to date and compliant.

You're skilled at working with diversified portfolios, handling everything from consumer loans to investment-secured requests. You're experienced in reviewing and analyzing personal and business financial statements, cash flows, balance sheets, and tax returns. You confidently manage primary underwriting responsibilities and produce accurate, timely loan presentations.

If you're someone who can manage multiple tasks, collaborate well with teams, and deliver high-quality results, then this role is for you.

As a Credit Analyst at First Western Trust, you'll help maintain the quality of our loan portfolio by processing financial information, performing analysis, and ensuring accurate loan documentation. Your responsibilities include reviewing consumer and investment-secured loans, conducting annual loan reviews, and preparing credit presentations.

You'll also review personal and business financial statements, tax returns, and cash flow details while ensuring compliance with internal policies and regulations. Your role will involve checking loan-to-value ratios, processing compliance certificates, and making sure loan documents follow internal controls.

This is a great opportunity to support the financial health of the organization while working closely with internal teams to ensure our portfolio's success. If you're someone who is detail-oriented, analytical, and focused on accuracy and compliance, this role is a fit for you.

• Review and analyze ongoing financial information for current borrowers, raising concerns with the appropriate Credit personnel when necessary.
  
  
• Perform monthly reviews of investment-secured loans to assess loan-to-value ratios within policy guidelines.
  
  
• Conduct secondary reviews of annual loan reviews to ensure accuracy in documents, supporting internal controls.
  
  
• Process borrowing base and covenant compliance certificates, ensuring correctness of collateral calculations.
  
  
• Review, analyze, and spread personal and business financial statements and tax returns, focusing on consumer and cash/investment secured loans.
  
  
• Prepare accurate and timely loan presentations, clearly documenting financial results, repayment sources, risks, and collateral details.

• A Bachelor's Degree in Business, Finance, or a related field, or equivalent experience.
  
  
• Proficiency in Microsoft Office Suite, with exceptional skills in Excel and Word; knowledge of loan origination software like Baker Hill NextGen is a plus.
  
  
• Advanced written and verbal communication skills, with high initiative and self-motivation.
  
  
• Strong interpersonal and customer service skills, with the ability to build and maintain relationships.
  
  
• Ability to analyze and interpret technical documents, financial reports, and complex government regulations.
  
  
• Detail-oriented, with excellent organizational skills and the ability to prioritize and multitask effectively.

• Competitive base salary: $30.29 - $43.27/HR,plus strong bonus potential.
  
  
• 401(k) plan with employer match.
  
  
• Paid parking and transportation benefits.
  
  
• Comprehensive health and wellness benefits, including:
  
  
  
  
  • Health savings accounts (HSA)
    
    
  • Flexible spending accounts (FSA)
    
    
  • Medical, dental, and vision coverage
    
    
  
  
  
  
• Generous paid time off and bank holidays.
  
  
• Access to training and professional development programs.
  
  
• Sponsorship and support for obtaining professional certifications.
  
  
• A culture of collaboration, continuous improvement, and shared success.

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At First Western Trust, we're more than just a financial institution-we're a team of forward-thinkers committed to excellence, innovation, and impact. Our culture thrives on teamwork and mutual respect, grounded in the belief that diverse perspectives fuel creativity and help us tackle challenges in fresh, effective ways.

We celebrate each other's successes, welcome new ideas, and take personal ownership in everything we do. A genuine desire to positively impact our clients, communities, and one another drives our work. We meet challenges with a growth mindset, act with urgency and accountability, and constantly strive to raise the bar for ourselves and our clients.

Leadership at First Western means setting an example and fostering a culture of trust, transparency, and respect. Whether you're just beginning your journey or bringing years of experience, you'll find a welcoming community where your contributions are valued and your potential is boundless.

We expect our people to:

• Demand and reward excellence.
• Take action and responsibility.
• Collaborate, communicate openly, and give/receive feedback with trust.
• Go above and beyond to do what's right-always.

If that sounds like you, you'll fit right in.

Learn more at myfw.com or email Talent.Management@myfw.com.

First Western Trust is proud to be an Equal Opportunity Employer. We are committed to creating a diverse, inclusive, and respectful workplace where every team member is valued and given the opportunity to thrive. We welcome applicants of all backgrounds and experiences and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected status. For accommodation requests, please contact Talent.Management@myfw.com.