ANB Bank · 1 month ago
Credit Officer I, II, or III
Denver, CO
Full-time
Onsite
Entry, Mid, Senior Level
$50K/yr - $98K/yr
1+ years expANB Bank is a community bank with a commitment to excellence and community investment. The Credit Officer role involves leading credit-related operations, managing risk in the credit portfolio, and supporting loan production and relationship management efforts.
Financial ServicesInsuranceVenture Capital
Responsibilities
Act as a lead reviewer on smaller loans prepared by other Credit Analysts below the bank’s loan committee threshold. Ensure loans are held to Credit Policy, underwriting procedures, and appropriate credit risk. Ensure consistency among the Analyst team in terms of risk tolerance, policy adherence, and general presentation quality
Prepare training for the department on credit risk, loan policy, and systems in accordance with management and team goals
Develop strategies for effective regional relationships through the Regional Lead Program by facilitating RM meetings, doing market research, and understanding the credit portfolios of each area
Assist with lender preparation of Credit Presentations for bank loan committee
Prepare spreadsheets, cash flow analyses, collateral assessments, with commentary in evaluation of commercial (R/E, Ag, Energy, C&I) loan requests
Perform extensive credit analysis including gathering, analyzing and interpreting all types of credit information on existing and prospective customers prior to the credit decision being made. This includes, but is not limited to:
Analysis of business and personal financial statements such as balance sheets, income statements and cash flow statements, and credit reports
May also include analysis of customer performance compared to peer industry averages
Analysis of the more difficult and complex credits within the department
Meet with lenders to gather information to support credit analysis
Investigate all available sources of credit and financial information, including reporting services, credit bureaus and agencies
Review appraisals, environmental reports, title reports and loan documents for collateral property
When appropriate, review and analyze property financial information to determine actual income, expenses and projected debt service coverage
Interact with accountants and attorneys at direction of management, when necessary to perform analysis
Research and/or develop credit information for use by senior credit staff, lenders, or other credit officers in lending decisions on new loans, renewals, and extensions
Update spreadsheets, cash flow analyses, collateral assessments, and financial statements for term loan reviews
May conduct specialized analyses and prepare specialized reports on loan quality/portfolio quality for management
Must meet established deadlines
Provide supervisory assistance when the manager is out of the office. This would include; managing the department’s pipeline, assigning credit request to Underwriting Analysts and reviewing work the analysts’ work products
Responsible for training both members of the Underwriting Department as well as members of the lending staff
Delivers quality of service ad defined by department standards
Maintains a current knowledge and consistent compliance with Bank Secrecy Act (BSA) requirements, as well as knowledge and consistent compliance with other banking regulations and Bank policies and procedures related to the position
Maintains confidentiality and delivers quality of service as defined by department standards
Supports the company’s Mission, Vision, and Values
Other duties may be assigned
Qualification
Required
1 - 3 years loan processing, loan servicing, commercial lending, credit analysis or related experience required for Credit Officer I
2 - 5 years loan processing, loan servicing, commercial lending, credit analysis or related experience required for Credit Officer II
5 - 7 years loan processing, loan servicing, commercial lending, credit analysis or related experience required for Credit Officer III
Proven skills in relationship building, management, and team leadership for all levels
1 - 2 years direct experience in a similar review and training role for Credit Officer II
2 - 5 years direct experience in a similar review and training role for Credit Officer III
Preferred
Preferred four-year college or university degree; or equivalent combination of education and experience for all levels
Benefits
Minimum 4 Weeks of Paid Time Off (PTO)
11 Paid Holidays
Medical, Dental, and Vision Insurance
Health Savings (HSA), Flexible Spending (FSA), and dependent care spending accounts
Company provided Live, AD&D, and Disability Insurance with supplementation options
401(k) plan with discretionary company match and profit sharing
Discretionary annual bonus and employee referral incentives
Employee Assistance Program (EAP)
Tuition Reimbursement Program
Spanish Communication Assistant Program Incentive
Employee Banking Products
Company
ANB Bank
ANB Bank is a bank that offers loan, banking, and investment management services.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Jeff Patterson
Chief Operating Officer
Frankie Cole
Chief Credit Operations Officer
Recent News
The Business Times
2026-01-03
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2025-03-01
2024-04-26
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