Guaranty Bank and Trust Company
  • Denver, CO, USA
  • $54,325-$81,488
  • Salary
  • Full Time

Eligible for our Full Benefits Package including Medical, Dental, Vision, 401k and Paid Time Off!

Summary of Job Responsibilities:
Maintains awareness, understanding and compliance with Guaranty Bank and Trust's "Code of Ethics", internal policies and procedures, laws and regulations that are appropriate for his/her position.

Summary of Responsibilities: Provides financial & commercial credit underwriting analysis to loan officers ensuring accurate information on the credit worthiness of accounts.


Required Qualifications [Knowledge (Education), Skills and Abilities (KSAs)]:

  • Four-year college degree in accounting, finance or related field or equivalent experience
  • 4+ years credit analysis experience
  • Proven analytical skills
  • Advanced level PC skills, including word processing and spreadsheets
  • Excellent written and verbal communication skills
  • Strong interpersonal skills

Essential Duties:
Employees are held accountable for all duties of the job. Individuals must be able to perform these duties with or without reasonable accommodations.

  • Demonstrates core values and guiding principles as outlined in the Bank's identity statement.
  • Ensures that all activities and work functions comply with compliance requirements as defined in company policies and procedures and state/federal laws and regulations.
  • Prepares credit presentations for approval authorities with focus on existing and prospective customer analysis.
  • Through detailed financial analysis (including performance ratios):
    • identifies strengths and weaknesses relating to the credit worthiness of potential credits
    • evaluates a borrower's historical operating performance, quality, future viability, cashflow sustainability, management ability, and risk management
    • notes any deviation from the loan policies and procedures of the bank
    • credit investigation of the borrower and guarantors
    • economic and market conditions as they relate to the company, industry and market area
    • in-depth historical financial analysis, including the performance of "what if" scenarios that test the reasonableness of the projections
    • in-depth analysis of a guarantor's financial position
    • in depth analysis of the secondary sources of repayment such as collateral
    • in-depth proposed debt analysis
    • Communicates credit concerns and questions to loan officers and approval authorities
    • Provides a written analysis for loan officers and approval authorities that includes a list of strengths and weaknesses of credit and a recommendation for approval, denial, or alternative structure
  • Researches, collects, and incorporates into analysis, industry specific data and information from sources including:
    • conversations with the borrower
    • industry publications references from other banks and credit agencies
    • the internet
  • Participates in customer meetings as requested by loan officers.
  • Performs other duties as assigned.
    • Monitors borrowing base and covenant compliance.
    • Performs other duties as assigned.

Non-Essential Duties:

  • Handles research for credit department and loan department as requested.
  • Participates in civic activities to promote growth and development of the community and a positive image for the bank.
  • Provides real estate market evaluations as requested.

Preferred Qualifications:

  • Knowledge of banking laws and regulations
  • Knowledge of loan documentation requirements and procedures

Types of Decisions: This individual will have the ability to make recommendations regarding entering into business relationships with new and existing customers.

Consequences of Errors: Errors may have a significant adverse effect on relationships with customers and the Bank's asset quality.

Contact with Others: Unlimited contact with customers and employees both in person and on the telephone. Must display quality of service showing courtesy, tact, and discretion at all times. Maintains a positive demeanor and displays excellence in service, keeping the banks image in mind at all times.

Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

  • Ability to sit for 5-6 hours working on computer.

The above statements are intended to describe the general nature and level of work being performed. This job description should not be construed to imply that these requirements (job responsibilities and KSAs) are the exclusive standards of the position. Incumbents may be required to follow other instructions, and to perform other duties, and obtain other KSAs that may be required of the position.

Guaranty Bank and Trust Company
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