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Credit Analyst Jr.

Date: May 4, 2021

Location: Charleston, SC, US, 29407

Company: United Bank

Job Description

The Credit Analyst will primarily be responsible for underwriting both Commercial Real Estate (CRE) and Commercial and Industrial (C&I) loans. Underwriting includes financial analysis, market/industry research, and risk analysis for commercial borrowers. In addition to underwriting, Analysts will also be responsible for the annual review of the Bank’s less complex existing commercial loans.



  • Work closely with assigned team lead and/or manager to obtain all necessary skills and techniques required to perform complete loan review and credit underwriting
  • Analyze loan data, including data provided by customers, credit bureaus and United Bank records on new, renewal and existing loans.
  • Deliver spreadsheets, reports, summaries and issue opinions and recommendations to loan officers, senior credit officers and loan committees to be utilized in credit decisions on new, renewal and existing loans.
  • Assign risk-grades to proposed loans during the underwriting and annual review process.
  • 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.
  • Establish, review and update analyses on a regular basis for the Bank’s largest commercial loan customers and provide to management with evaluation of current risk grades and identify risk.
  • Interact with current and potential borrowers and lending officers to inquire about important information pertaining to the transaction, items in the financials of the borrower, etc.  
  • Participate in client meetings and site visits to obtain necessary underwriting information
  • Adheres to the agreed upon Service Level Standards.
  • Work on special projects as business needs arise.


  • Bachelor’s Degree required; degree may be substituted with minimum of one (1) year of direct related banking experience.
  • Educational learned or working knowledge of key accounting/finance concepts preferred.
  • Proficiency in Microsoft Office products is required.
  • Prior working experience with Financial Analysis software highly desired.
  • 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.



  • Analytical and critical thinking skills
  • Meticulous attention to detail
  • Problem Solving
  • Interpersonal and communication skills

Essential Functions: 

  • Sitting for extended periods of time.
  • Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse, and other computer components.
  • Ability to converse and exchange information with all levels of staff within organization.
  • Ability to observe, perceive, identify, and translate data.
  • Ability to travel up to 10% (may require overnight travel).

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.

Nearest Major Market: Charleston South Carolina
Nearest Secondary Market: South Carolina

Job Segment: Credit Analyst, Credit, Bank, Banking, Database, Finance, Technology