Top Credit Analyst Jobs in Denver & Boulder, CO

The Staff Credit Policy Analyst leads the development and governance of credit policies for home loans, ensuring compliance and operational efficiency while collaborating with leadership and cross-functional teams.

The Credit Analyst I is responsible for underwriting loans, analyzing financial data, and supporting Relationship Managers in the loan process. This role involves identifying financial trends and communicating effectively with managers and stakeholders.

Perform and manage QC audits to assess compliance with HUD, state, and federal requirements for reverse and conventional mortgage products. Maintain and update QC checklists, ensure findings are addressed in the LOS, communicate results, meet review timelines, assist leadership with audit process improvements, and ensure fair lending and net benefit compliance.

Provide credit analysis and portfolio support for agricultural and agribusiness clients. Prepare financial spreads, cash flow analyses, collateral evaluations, and credit memoranda for new loans, renewals, and modifications. Monitor risk, ensure policy and regulatory compliance, and collaborate with relationship teams to assess repayment capacity and perform portfolio reviews using knowledge of agricultural cycles and commodity markets.

Manage end-to-end collections for an assigned portfolio to optimize cash flow, reduce receivables, resolve billing disputes with Sales/Billing/Finance, track collections metrics, identify high-risk accounts, and support OTC improvements.

Support Commercial Portfolio Managers by preparing financial spreads, models, industry overviews, loan summaries, pricing and profitability analyses, and monitoring client financial performance and covenants. Learn and use bank systems, assist ancillary product teams, and help produce credit recommendations and documentation.

Lead loss mitigation, predictive collections, and loss forecasting (CECL) for consumer lending. Build data models and contact strategies, align conversational operations, manage credit loss budgets, vendor selection, and present risk insights to executive stakeholders.

Design and own loss mitigation, predictive collections, and CECL loss forecasting. Partner with Operations to implement conversational contact strategies (WhatsApp/SMS), build propensity-to-pay and recovery models, manage credit loss budgeting and capacity planning, and evaluate/onboard third-party collections vendors and software to protect capital and optimize recoveries.

Lead design and execution of loss mitigation, predictive collections, and CECL loss forecasting. Build data models and contact strategies, align conversational operations, manage credit loss budgeting, and evaluate third-party vendors to maximize recoveries and protect the balance sheet.

Lead loss mitigation, forecasting, and collections strategy for consumer lending. Build CECL-based loss forecasts, predictive propensity-to-pay models, automated contact strategies (WhatsApp/omnichannel), manage credit loss budgets, and evaluate third-party recovery vendors while presenting impacts to executive leadership.

Support federal credit reform and allowance-for-loss activities for federal loan programs. Perform loan accounting, cash flow modeling, NPV calculations, data reconciliations, and validate model inputs/outputs against source systems and the general ledger. Maintain historical loan performance data, prepare audit-ready workpapers, document assumptions and SOPs, analyze non-performing loans and reserve needs, and collaborate with accounting, reporting, and program stakeholders to ensure compliance.

Analyze commercial and business lending opportunities, build thorough credit memos, evaluate financial statements, cash flows and collateral, monitor loan portfolio and covenants, ensure regulatory compliance, and support internal teams with reporting and process improvements to enhance member experience.

Perform commercial credit analysis and underwriting for new and renewal lending opportunities. Spread business and guarantor financials and tax returns, analyze cash flows and key financial metrics, prepare credit memos for credit committee, monitor portfolio covenant and documentation, and support internal teams and technology partners to improve processes and reporting while ensuring regulatory compliance.

Analyze credit policy, approval rates, vintage performance, and portfolio metrics to inform credit strategy. Monitor model/scorecard performance, run tradeoff and scenario analyses, support pricing/term decisions, and produce recurring portfolio reporting and dashboards. Collaborate with collections, fraud, finance, and tech on reporting, model validation, and decisioning platform improvements.

The Credit Policy Analyst maintains and interprets credit policies to ensure alignment with risk appetite and regulatory requirements while providing support for credit-related inquiries.

The SBA Credit Analyst III underwrites SBA 7a loans, interacts with loan specialists, analyzes credit worthiness, and mentors junior analysts. This role requires advanced underwriting knowledge and compliance with regulations.

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, pricing models, vintage and NPV analyses, executive reporting, model integration and testing, and explore alternative data to optimize approval rates and portfolio health.

Lead credit analytics for the Send Now Pay Later product: build and optimize valuation, vintage and NPV models; manage credit policies, portfolio monitoring, and NPL reporting; integrate and test scoring models with engineering/data science; and research alternative data to improve predictive performance.

Lead credit analytics for the Send Now Pay Later product: deliver executive portfolio health reporting, NPL trend analysis, and financial/vintage/NPV modeling. Design end-to-end credit frameworks and acquisition/customer management policies, monitor cohort performance, integrate and test ML scorecards with engineering, and evaluate alternative data sources to optimize approval rates and limit defaults.

Lead quantitative credit analytics for a Send Now Pay Later (SNPL) product: build and maintain credit policies, pricing and NPV models, vintage analysis, portfolio monitoring, model integration/testing, and alternative data evaluation to optimize approval rates and manage portfolio health.