Executive Vice President and Chief Credit Officer
Vectra Bank Colorado
Melissa Demos was promoted to the role of Chief Credit Officer in November of 2012 after
six years as Senior Vice President, Senior Credit Manager at Vectra Bank. With more
than 30 years’ experience, she oversees all credit–related functions for Vectra Bank,
including loan approval, loan operations and lending system platforms for the bank’s
commercial, construction and installment loans. Demos’ team of 63 employees is
responsible for credit approval, credit analysis, credit reporting, portfolio management,
appraisal review, documentation review and quality control, loan boarding, construction
risk management, problem loan workout and OREO sales (bank–owned real estate).
She oversees the credit approval, problem loan and credit administration committees and
is a member of the Vectra Bank Colorado Board of Directors. She provides support and
direction relating to corporate credit policies and procedures to ensure a strong credit
culture at Vectra Bank.
Just one of her major accomplishments, Demos developed new credit policies for several
specialty lending areas for Vectra Bank. She is a former board member of the Risk