Senior Credit Risk Analyst

Senior Credit Risk Analyst

Location: Denver, Colorado (Hybrid)

Job Type: Full-Time Exempt

Salary: $86,000 - $138,000/YR*Actual offer will be based on experience, location, education, and/or skills*

Applications should be submitted for consideration no later [05/21/2025]

You're a detail-driven professional with a strong analytical mindset and a passion for credit risk management. You thrive in an environment where collaboration, accuracy, and continuous improvement are valued. You have a deep understanding of credit policy and lending procedures and enjoy mentoring others while ensuring compliance and risk control across the organization.

If you're looking to make a broad impact through analytical excellence and mentorship, while contributing to enterprise-level projects, this role is the right fit for you.

As a Senior Credit Risk Analyst at First Western, you'll play a critical role in supporting Credit Administration through memo reviews, underwriting guidance, training, and credit risk analysis. This position bridges technical expertise and business acumen, collaborating across teams to improve credit quality, enhance internal controls, and uphold regulatory compliance.

You'll work closely with the Executive Director of Credit Risk, Directors of Credit Risk, and Profit Center (PC) teams to support consistent credit practices, portfolio reporting, and regulatory audits-all while mentoring others and driving process improvements.

• Perform credit memo reviews and provide guidance to ensure consistency across Production Centers.
  
  
• Design and lead underwriting training for Relationship Bankers and Credit Analysts.
  
  
• Contribute to the development and implementation of credit underwriting strategies and standards.
  
  
• Act as a subject matter expert on credit risk for internal projects, platforms, and policy discussions.
  
  
• Support internal and external audit responses and ensure compliance with regulatory and company policies.
  
  
• Participate in Credit Committee meetings, including preparing materials and recording minutes.
  
  
• Assist in portfolio reporting and analytics, including Board reporting packages.
  
  
• Conduct secondary reviews of internal loan reviews and validate dual risk rating data.
  
  
• Review borrowing base and covenant compliance documentation for accuracy and completeness.
  
  
• Underwrite and analyze personal and business financial statements, tax returns, and cash flow for consumer and cash/investment secured lending.
  
  
• Support consumer mortgage reviews and special assets group underwriting, as needed.
  
  
• Collaborate on ICFR testing, data quality reviews, and internal audits of small loans.
  
  
• Promote continuous improvement and propose process enhancements.

• Bachelor's degree in Business or related field.
  
  
• 3-5 years of credit experience in commercial, consumer, or CRE lending.
  
  
• Proven ability to analyze complex financial data and develop insights that support risk management.
  
  
• Experience mentoring or training credit and lending team members.
  
  
• Strong written and verbal communication skills with stakeholders at all levels.
  
  
• Proficiency in Microsoft Office Suite, particularly Excel.
  
  
• Excellent organization, prioritization, and time management skills.
  
  
• A collaborative mindset with a passion for accuracy and continuous learning.

• Competitive base salary: $86,000 - $138,000/YR, plus bonus potential.
  
  
• 401(k) plan with employer match.
  
  
• Paid parking and transportation benefits.
  
  
• Comprehensive health and wellness benefits, including:
  
  
  
  
  • Health savings accounts (HSA)
    
    
  • Flexible spending accounts (FSA)
    
    
  • Medical, dental, and vision coverage
    
    
  • Generous paid time off and bank holidays.
    
    
  • Training and professional development support.
    
    
  
  
  
  
• A culture grounded in collaboration, accountability, and innovation.

At First Western Trust, we're more than just a financial institution-we're a team of forward-thinkers committed to excellence, innovation, and impact. Our culture thrives on teamwork and mutual respect, grounded in the belief that diverse perspectives fuel creativity and help us tackle challenges in fresh, effective ways.

We celebrate each other's successes, welcome new ideas, and take personal ownership in everything we do. A genuine desire to positively impact our clients, communities, and one another drives our work. We meet challenges with a growth mindset, act with urgency and accountability, and constantly strive to raise the bar for ourselves and our clients.

Leadership at First Western means setting an example and fostering a culture of trust, transparency, and respect. Whether you're just beginning your journey or bringing years of experience, you'll find a welcoming community where your contributions are valued and your potential is boundless.

We expect our people to:

• Demand and reward excellence.
• Take action and responsibility.
• Collaborate, communicate openly, and give/receive feedback with trust.
• Go above and beyond to do what's right-always.

If that sounds like you, you'll fit right in.

Learn more at myfw.com or email Talent.Management@myfw.com.

First Western Trust is proud to be an Equal Opportunity Employer. We are committed to creating a diverse, inclusive, and respectful workplace where every team member is valued and given the opportunity to thrive. We welcome applicants of all backgrounds and experiences and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected status. For accommodation requests, please contact Talent.Management@myfw.com.