Senior Credit Officer at InBank – Greenwood Village, Colorado

SUMMARY OF JOB:

This individual will play a key role in credit risk oversight, portfolio construction, and investment decision-making, while also serving as a mentor and strategic leader within the credit investment platform.

ESSENTIAL JOB RESPONSIBILITES:

1. Evaluate the financial health, industry risks, and repayment capacity of applicants to determine their eligibility for credit facilities. Determine appropriate credit limits, interest rates, and terms and conditions for approved credit facilities.

2. Conduct risk analysis and assign appropriate credit ratings based on established criteria and guidelines and ensure compliance with regulatory requirements and internal credit policies while making credit decisions.

3. Make informed decisions regarding credit approvals, taking into account factors such as the borrower's financial stability, collateral, repayment history, and overall credit risk.

4. Communicate credit decisions effectively to relevant parties and provide clear rationale and recommendations for approvals or rejections. Provide guidance and support to colleagues on credit-related matters, including risk mitigation strategies and credit policy interpretation.

5. Monitor the credit portfolio and conduct periodic reviews of existing credit exposures to identify potential risks and opportunities for portfolio optimization.

6. Proactively manage credit exposures, including performing credit reviews, renewals, and modifications as necessary to maintain portfolio quality and compliance with lending policies.

7. Identify and address deteriorating credit quality indicators, taking appropriate action to mitigate potential losses.

8. Stay abreast of industry trends, regulatory developments, and best practices in credit risk management.

9. Contribute to the enhancement of credit policies, procedures, and systems to streamline processes and improve overall efficiency and effectiveness.

10. Maintain current knowledge and follow all bank financial and security regulations and procedures.

11. Embody, embrace, and demonstrate InBank’s Core Values: Commitment, Innovation, Responsibility, Teamwork, Happiness, and Authenticity.

12. Other duties as assigned.

JOB REQUIREMENTS:

Education:

Bachelor's degree in finance, business administration, or a related field. Advanced degree preferred.

Work Experience:

Minimum of 10 years of experience in commercial banking, loan servicing, credit analysis, or a related area, with a focus on loan workouts or distressed asset management.

Supervisory Experience:

N/A

Licenses/Accreditations:

Professional certification (e.g., CFA, CPA, MBA) preferred.

Computer Skills:

Proficiency in financial analysis tools, credit scoring models, and Microsoft Office applications.

Other Requirements:

Proven experience in credit analysis, risk assessment, or commercial lending within the banking or financial services industry.

Strong analytical skills with the ability to interpret financial data, assess credit risk, and make sound judgments.

Preferred Skills/Experience

Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams and communicate complex concepts clearly and concisely.

Solid understanding of banking regulations, credit policies, and risk management principles.

Attention to detail and ability to work under pressure in a fast-paced environment while maintaining accuracy and meeting deadlines.