High Plains Bank is hiring! Serving Eastern and Northern Colorado, High Plains Bank is an authentic, community-driven bank. We are compassionate problem-solvers and craft bankers, committed to understanding the unique needs of each customer and tailoring solutions to optimize their financial well being. We empower each other as leaders and embrace a growth mindset, fostering a supportive environment where everyone feels valued, has the opportunity to thrive and the ability to get things done.

We're seeking an Underwriter who has the capacity to be creative; taking the time to understand each customer’s unique needs while mitigating risk. We pride ourselves on going the extra mile where other banks might shy away.

Your mission?

To develop narratives that tell financial stories, based on a deep understanding of what can be learned from financial documents. 

As an Underwriter, you will take the lead to spread and analyze financials, assemble loan presentations and provide ongoing risk mitigation through loan reviews and covenant testing. You'll collaborate closely with relationship managers to grasp the intricacies of each customer's needs, occasionally attending customer meetings to ensure understanding of the terms and conditions negotiated. Working with relationship assistants, you'll ensure all necessary documents are collected, from tax returns to credit reports. Your role extends to liaising with the Chief Credit Officer to ensure adherence to loan policies and guidance. You will also assist the Chief Credit Officer in preparing reports for the bank board and bank examiners. 

In this role, you'll never be bored. Every day brings new challenges and opportunities to learn and grow. You'll develop a well-rounded skill set and gain invaluable experience in the financial industry.

What sets you apart?

You possess a unique blend of technical expertise and empathy, allowing you to not only understand the details of financial documents but also to connect with our customers on a human level. You have a proactive approach to problem-solving, coupled with curiosity and eagerness to learn. In a role where attention to detail and quick thinking are key, your ability to handle pressure and stay organized makes you stand out.  Whether your goal is to be an underwriter long-term, or pursue other opportunities for growth within the bank, we're here to support your professional development.

What you bring to High Plains Bank…

• Experience

• • 2+ years of prior underwriting experience for commercial or agricultural credits

• Essential Skills

• • The ability to read, understand and analyze financial statements

  • Familiarity with Microsoft Office or Google Suite

  • Confidence in communicating effectively with customers and team members

  • Proficiency in written communication

  • Self-managed and detailed oriented

• Desirable Knowledge

• • Understanding of various lending types; commercial real estate, commercial and industrial real estate, agricultural real estate

Responsibilities of the position…

• Key Accountabilities

• • Provide written financial statement analysis for credit presentation, file comments and annual reviews

  • Serve as analyst and provide support to lenders for commercial, ag and consumer loan transactions

  • Review incoming financial statements on assigned loans; construct financial statement spreads; analyze year-end and interim financial statements, including performance ratios

  • Research industry specific information from outside sources

  • Prepare and/or review real estate evaluations

  • Assist the team in monitoring delinquencies, overdrafts, exceptions and covenants

  • Review and understand the Loan Policy and related lending policies and procedures to assure requests adhere to guidelines

• Other Responsibilities

• • Participate in continuing professional development as appropriate

• Participation in bank sponsored community events is encouraged as a part of our High Plains Bank culture

What High Plains Bank brings to you…

• The opportunity to work for a community driven, employee owned business

• Highly competitive PTO, retirement and health care

• Opportunities for growth, development and learning

• Tuition Reimbursement

Target compensation range

• $65,000 to $90,000 per year based on experience and qualifications - other factors may be considered

Physical Requirements

• Prolonged periods of sitting at a desk and working on a computer

Location and Schedule

• In person at one of our 5 locations, hybrid possibility 

• 8-5 Monday - Friday

High Plains Bank is proud to be an Equal Opportunity Employer

Member FDIC

Please click here to visit the High Plains Bank Career Opportunities page to apply or to see other available openings.