Business Banking Credit Analyst

Job Description

JOB SUMMARY: 
Responsible for underwriting small business loan requests to achieve efficiencies and quality of the process to enhance client experience. Primary performance responsibilities include analyzing business and personal financial data to determine the merits of the loan request (including adherence to loan policy), assessing the credit worthiness of borrowers, and identifying risks. Ensure all due diligence and background evaluations are complete and thorough before rendering a credit recommendation. 

RESPONSIBILITIES:
•    Responsible for the evaluation and underwriting of Business Banking loans to determine credit worthiness and compliance to United lending policies.
•    Review and analyze business and personal financial data to determine the merits of the loan request, assessing the credit worthiness of borrowers.
•    Deliver spreadsheets, reports, summaries and issue opinions and recommendations to loan officers, credit officers or approving body to be utilized in credit decisions on new, renewal and existing loans.
•    Perform company and industry research as needed. Perform online research of public records including, but not limited to, assessors’ databases, county register’s databases, and Secretary of State database for corporate filings and Uniform Commercial Code (UCC) filings.
•    Analyst will independently be responsible for accurate completion of loans assigned by applying appropriate techniques and regulatory parameters.
•    Effectively communicates and acts as a liaison to internal customers to resolve business lending issues.
•    Assists with organizing workflow for designated group and coordinates the successful completion of projects as assigned.
•    Periodically may participate in market visits or client calls as necessary.
•    Contacts Relationship Manager, as appropriate, for additional information and details related to loan request or clarification of financial materials and resources.
•    Collaborate with team members by providing credit alternatives and creative ways to structure credits ensuring that transactions are within portfolio risk standards. 
•    Maintains up-to-date knowledge on all Bank lending policies and regulations. Confers with the Credit Team and appropriate Bank personnel regarding new/existing lending requirements and regulations.
•    Maintains a proactive commitment to established bank programs, such as Community Reinvestment Act (CRA) and Affirmative Action.
 

Qualifications

SKILLS/QUALIFICATIONS:
•    Bachelor’s Degree required.
•    One (1) year of Banking experience required; experience in Credit Analysis is preferred.
•    Demonstrated ability to complete accurate complex financial and other analysis is required
•    Proficiency in Microsoft Office products is required.
•    Demonstrated ability to use Financial Analysis software required.
•    Demonstrated ability to complete accurate financial and other analysis is required.
•    Ability to travel up to 10% required (may require overnight travel) 
•    Ability to demonstrate strong interpersonal and problem-solving skills.
•    Excellent written and verbal communication skills required.
•    Ability to perform complex mathematical calculations is required.
•    Ability to work independently and as part of a team within a fast-paced environment.
•    Strong multi-tasking and detail-oriented skills is essential.
•    Demonstrates the Bank’s core values.

Company Profile

At United, we value all of the relationships we have built since 1839. We are committed to providing each relationship with an unmatched level of service. While we offer competitive products, services, rates, and technology, the level of service we provide and our commitment to building relationships is what sets us apart from our competitors. Our 211 full-service banking offices and 15 loan origination offices in West Virginia, Maryland, Virginia, Ohio, Georgia, Pennsylvania, North Carolina, South Carolina and Washington, D.C. are each built on customer service and commitment to the community. United is backed by a history of safe, sound and secure banking practices that have allowed us to navigate through decades of changing economic environments. Because of this, our employees, customers, shareholders and communities can rely on us to be their banking partner for decades to come. Member FDIC. Equal Housing Lender. Equal Opportunity Employer.