Portfolio Credit Analyst

Portfolio Credit Analyst

Location: Denver, CO (Hybrid)

Job Type: Full-Time Non-Exempt

Salary: $30.53 - $45.92/HR

Applications should be submitted for consideration no later 12/12/2025.

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You're a detail-driven financial analyst with strong commercial credit knowledge and a deep understanding of covenant compliance. You excel at interpreting financial statements, spotting risk indicators early, and maintaining accurate, compliant records. You're proactive, organized, and skilled at collaborating with Relationship Bankers and Credit partners. Your approach balances analytical rigor with sound judgment, allowing you to handle sensitive borrower information with discretion. If you're ready to contribute to risk management and portfolio oversight in a high-performing banking environment-this role is for you.

As a Portfolio Credit Analyst at First Western Trust, you'll play a key role in protecting the integrity of our commercial loan portfolio by ensuring borrower compliance with financial covenants. You'll take ownership of post-financials covenant monitoring, perform detailed calculations, and escalate potential defaults with clarity and accuracy. Working closely with Relationship Bankers and Credit, you'll act as a gatekeeper for risk, ensuring our portfolio remains healthy and well-managed. If you're looking for a role where your analytical expertise directly supports proactive credit risk management-this is your opportunity.

• Monitor, calculate, and evaluate borrower compliance with financial covenants such as DSCR, global debt coverage, and liquidity thresholds.

• Document and escalate covenant breaches, coordinate default notifications, and support the development of waivers or remediation plans.

• Manage a proactive covenant calendar, ensuring timely receipt and review of borrower financials.

• Clear covenant-related tracking exceptions in the Loan Origination System (LOS) after compliance verification.

• Support regulatory audits and internal compliance testing related to covenant monitoring.

• Collaborate with Relationship Bankers and Credit to ensure accurate interpretation and handling of covenant requirements.

• Assist with adjacent portfolio tasks such as maturing loan oversight and construction loan monitoring as needed.

What You Bring

• Bachelor's degree in business, finance, or related field preferred; high school diploma or GED required.

• 3-5 years of experience in commercial credit analysis, loan review, or financial covenant monitoring.

• Deep understanding of financial statement analysis, loan structures, and covenant requirements.

• Experience with BakerHill or similar Loan Origination Systems (LOS).

• High discretion in handling sensitive borrower financials and sound professional judgment.

• Strong collaboration skills with ability to work cross-functionally in a regulated environment.

• Competitive base salary:$30.53 - $45.92/HR, plus strong 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.
  
  
• Access to training and professional development programs.
  
  
• Sponsorship and support for obtaining professional certifications.
  
  
• A culture of collaboration, continuous improvement, and shared success.

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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.