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.

Lead credit risk strategy for lending products by analyzing portfolio performance, identifying risk drivers, refining underwriting and pricing policies, and conducting A/B tests. Partner with Data Science to develop and monitor credit models, while building AI-enabled workflows that automate analysis and surface risk signals. Collaborate cross-functionally with Risk, Product, Engineering, Operations, and Data Science to support scalable fintech growth and compliant automated credit decisioning.

Analyzes complex commercial loan requests and existing portfolios, evaluating borrower repayment capacity, guarantor strength, collateral, cash flow, industry conditions, and loan structure. Prepares detailed credit presentations and approval recommendations, monitors problem loans and portfolio risk, supports regulatory compliance and examinations, participates in loan review committees and organizational initiatives, and mentors junior commercial credit analysts.

Analyzes agricultural and agribusiness borrower finances to support lending decisions and portfolio risk management. Prepares financial spreads, cash-flow analyses, collateral evaluations, credit memorandums, renewals, modifications, and portfolio reviews. Applies knowledge of agricultural production cycles, commodity markets, seasonal cash flows, collateral structures, credit policies, risk ratings, and covenant monitoring while supporting Relationship Managers and Credit Officers.

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.

Reviews and underwrites indirect auto loan and lease applications, evaluates credit risk using bureau data and lending ratios, negotiates loan terms, documents decisions, and processes applications through funding. Builds relationships with credit unions and dealerships, collects missing documentation, supports fraud detection, compliance, software testing, process improvements, and departmental service-level goals. Requires flexible scheduling, strong communication, analytical, customer service, and problem-solving skills.

Own credit risk policy optimization, limit-setting, experimentation, forecasting, and portfolio monitoring. Design A/B tests, build performance reporting and dashboards, identify emerging risks, and partner with Machine Learning, Product, Engineering, and Operations to improve risk models and customer outcomes. Monitor deployed model performance and translate analytical findings into actionable policy and product changes.

Reviews and underwrites indirect auto loan and lease applications, evaluates credit risk using financial criteria, negotiates loan terms, documents decisions, and processes funding packages. Builds relationships with credit union and dealership partners, follows up on missing documentation, monitors dealer performance, supports fraud detection and software implementation, and helps improve lending operations, compliance, service levels, and turnaround times.

Independently underwrites complex agricultural and commercial credits by analyzing financial statements, projections, cash flows, collateral, risk ratings, and repayment capacity. The role prepares credit analyses and recommendations, ensures regulatory and policy compliance, monitors portfolios and covenants, supports relationship managers, and identifies risk-mitigation strategies. It also mentors junior analysts, contributes to quality control and training programs, and advises on loan structuring, approvals, renewals, modifications, and denials.

Supports commercial credit analysis through financial spreading, borrower and guarantor analysis, credit memo preparation, covenant monitoring, and verification of financial information. The intern participates in training, cross-functional banking activities, and a department project while gaining exposure to loan lifecycles, credit systems, financial statements, industries, and loan types.

Underwrite prospective commercial loans, prepare credit memorandums, analyze borrower financials and collateral, complete construction draws, and monitor loan covenants and annual reviews. The role supports commercial loan portfolio management, policy refinement, regulatory compliance, reporting, and collaboration with loan officers and credit administration. It also mentors junior analysts and contributes to process improvements.

Own diligence and underwriting for institutional counterparties, recommend internal credit ratings and risk-based limits, monitor portfolio exposures, analyze asset volatility/liquidity for limit-setting, negotiate industry documentation, and collaborate with cross-functional teams to resolve complex client or product issues.

Lead development and monitoring of credit risk strategies for consumer bank portfolios. Use advanced quantitative analysis and regulatory knowledge to design, implement, and report on credit strategies, mitigate operational and compliance risk, mentor analysts, and present insights to senior leadership to optimize profitable growth within risk appetite.

Leads credit risk, pricing, underwriting, portfolio optimization, and policy strategies for Home Equity products. Analyzes credit performance, profitability, forecasting, customer behavior, collateral, and market trends to support risk-adjusted growth and capital decisions. Partners with Product, Finance, Operations, Technology, Compliance, and Credit Policy teams to implement decision rules, business requirements, controls, and process improvements. Develops monitoring tools and executive reporting, supports governance and regulatory activities, and mentors junior analysts.

Lead credit risk strategy for consumer, card, and deposit portfolios using quantitative analysis, develop and implement credit strategies, monitor performance and regulatory compliance, produce financial and risk reporting, mentor analysts, partner with stakeholders, and drive model or analytics infrastructure improvements to optimize profitable growth within risk appetite.

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.

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.

Lead credit analytics for the Send Now Pay Later product: build and own valuation and vintage models, manage credit policies, monitor portfolio health and NPL trends, integrate ML scorecards, and evaluate alternative data to optimize approvals and loss performance.

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

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, valuation and NPV models, vintage analysis, portfolio surveillance, executive reporting, model integration/testing, and alternative data exploration to optimize approval rates and manage portfolio risk.

Lead credit analytics for the Send Now Pay Later product: own portfolio health reporting, NPL trends, valuation and NPV models, vintage analysis, credit policy design, monitoring, model integration and testing, and alternative data exploration to optimize approval rates and loss performance.