Job Description

It starts with our culture ...
Common sense has never been common.
If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn’t just see a number, they’d see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people’s lives and offer simple solutions.
That's the basics of Relationships. Fairness. Simplicity®. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings.
We have a long-standing commitment to Equity, Diversity and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all our associates to feel welcome and empowered at work.
As a Senior Credit Officer, you will be responsible for underwriting and decisions on business credits received from the Commercial Relationship Management team in compliance with the Bank’s lending policies and procedures. You will be responsible for a variety of tasks including utilizing various tools on financial statement analysis, company information, industry information and calls to the client, identifying risk on loans and mitigate while identifying cross sales and pre-approvals, documenting declines including any discussions that take place, helping design new credit policies, processes and procedures, and approve credits up to legal limit while maintaining an appropriate credit risk level. As the Senior Credit Officer, you will manage monitoring of and renewals of credits, work with department to maintain the corporate credit policy and manage client credit files and recommend changes in the credit policy to senior management.
As a Senior Credit Officer, you will have an opportunity to personally investigate the largest clients’ credit applications, visit the largest clients to establish relationships, and monitor periodic credit reviews. You will participate in meetings, special projects and training when needed, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position.
All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.
Minimum Requirements: This position requires the following educational and/or job experience:
• Bachelor’s degree in Business Administration, Accounting, Auditor or equivalent combination of education and related work experience.
• 10+ years of progressive job-related experience.

Desired Qualifications: To be considered an ideal candidate, you should possess some of the following qualifications:
• Advanced degree or certification related to field.
• 12+ years of commercial credit experience.
• Previous managerial experience.
• Thorough knowledge of credit-related laws.

Desired Skills: Ideal candidates for this position should possess some or all of the following skills
• Judgment and decision-making ability
• Accuracy and attention to detail
• Demonstrated integrity and ethical standards
• Strong project management and multi-tasking skills
• Exceptional verbal, written and interpersonal communication skills; ability to apply a common sense approach to issue resolution.
• Well-developed analytical skills; ability to assimilate large volumes of information, prioritize issues, form conclusions, determine appropriate action, and effectively translate complicated concepts into simple and understandable communications.
• Strong knowledge of banking laws and regulations and appraisal process related.
• Ability to write policies and procedures for risk related functions.
• Ability to work with other business unit leaders on committees and on projects to address risk issues.
• Proficient in MS Office applications which include Outlook, Word, Excel, and PowerPoint.

Work Environment:
We are a culture that believes that people are our greatest asset and are at the heart of everything we do. We take pride in bringing clarity and simplicity to our associates (employees) and clients. Our decisions are made efficiently, fairly, and locally. Our success is directly tied to the communities we serve. It is equally important for us to look through the lens of our applicants and associates to identify their individual needs. As such, we want to share the following:
• We are committed to our core value of meritocracy and supporting our associates in growing within their role
• When completing certain tasks, an associate may need to be able to grasp, push, pull, lift, bend, raise and hold hands and arms overhead.
• Must be able to work at a rapid pace for long periods of time (typically no longer than 8 hours).
• Must be able to work overtime to the extent necessary.
• Must be able to travel – estimated at 25% to 50% of the time.

Benefits:
In addition to your financial compensation, we also offer a generous benefits package that includes insurance, 401k, an associate stock purchase program, paid time off, associate banking perks. For more information about the benefits offered click here.

If this is what you believe in, then you’re definitely right for us. Consider making an investment in us, so that we may invest in you and your bright future.
APPLY

The Bank is committed to providing qualified applicants and associates reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or associate requiring reasonable accommodation to perform any essential job function, should contact Human Resources.
The Bank's policy is to provide equal opportunity to all people without regard to race, color, religion, national origin, ancestry, marital status, veteran status, age, disability, pregnancy, genetic information, citizenship status, sex, sexual orientation, gender identity or any other legally protected category. The Bank is proud to be a drug-free workplace.
Colorado Residents: In any materials you submit, you may redact or remove age-identifying information such as age, date of birth, or dates of school attendance or graduation. You will not be penalized for redacting or removing this information.
Selected candidate(s) for hire must complete the following prior to employment: a criminal history report, global screen, drug screen, employment credit report and if applicable, a driving record. Applicants must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire.