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Banking Questions and Answers

Melissa Demos
Executive Vice President and Chief Credit Officer
Vectra Bank Colorado

Barbara Albrandt Melissa Demos was promoted to the role of Chief Credit Officer after six years as Senior Vice President, Senior Credit Manager at Vectra Bank. With more than 30 years experience, she oversees all credit–related f unctions for Vectra Bank, including loan approval, loan operations, and lending systems and platforms for the bank’s commercial, installment and mortgage lending operations. Demos’ team of 80 employees is responsible for credit analysis, credit reporting, appraisal review, construction risk, special assets and OREO (bank–owned real estate).

She oversees the credit administration, problem loan and board credit committees, and provides support, direction, and credit information and for loan policies and procedures to ensure the quality of the Vectra’s lending portfolio.

Just one of her major accomplishments, Demos developed new credit policies for several specialty lending areas for Vectra Bank. She is a board member of the Risk Management Association and slated to act as President of the Board next year.

With assets of $2.3 billion, Vectra Bank Colorado is a proactive, customer-focused organization dedicated to real relationship banking. Part of the Zions Bancorporation (NASDAQ:ZION) family of banks, Vectra serves Colorado’s small, middle–market and corporate business clients with 39 locations throughout Colorado, and one in Farmington, N.M.


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