Credit Analyst III

Job Description

First United Bank is a progressive and innovative community banking organization. By virtue of its growth from a single unit bank into a multi-community banking enterprise, First United is categorized as a "Super Community Bank."​ As one of the largest banking organizations in the Southwest, First United focuses on retail and community banking, targeting consumers and small-to-mid-sized businesses within its market areas.

First United provides a comprehensive range of financial services including retail, commercial, trust, brokerage, mortgage and insurance products. First United is the premier provider of financial products and services in every market we serve. We deliver services through an expansive network of community bank locations throughout Oklahoma and Texas.

Summary

This position is responsible for analysis and monitoring the financial condition and credit worthiness of individuals and businesses applying for credit by using historical financial analysis and cash flow projections.

Major Duties and Responsibilities (Essential Functions)

• Analyzes all relevant loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions, and First United’s files.

• Prepares thorough and concise memo’s, spread sheets, reports, summaries and opinions for Loan Officers on new, renewal and existing loans within established deadlines.

• Effectively manages the bank’s exposure to identified risks, and recommends appropriate structure for transaction in accordance with First United’s credit policy.

• Oversees and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts, and notifies Loan Officers of any potential problems in a timely manner.

• Establishes, reviews and updates new and existing loan files for the Bank on a regular basis.

• Provides technical advice and assistance to Loan Officers.

• Performs credit inquiries.

Additional Duties and Responsibilities

• Effectively communicates with Customers, Loan Officers, and Bank Management in a clear, accurate, and concise manner.

• Generates solutions to problems and suggests alternative solutions when necessary.

• Performs as a top contributor in Bank-wide projects.

• Initiates and leads Bank-wide projects.

• Focuses on memos for relationships ranging from $2,000,000 and greater.

• Delivers the bank’s top volumes in loan activity through new originations or management of the existing portfolio.

• Creates and maintains solid working relationship with Loan Officers and other team members.

• Assists training and development of Credit Analyst I & II.

• Genuine interest in learning and working in the banking profession.

• Dresses professionally.

• Adherence to all First United Policies and Procedures

• Complete all required compliance exams on an annual basis

• Perform other duties as assigned

Employee Specifications

• Bachelor’s degree in Finance, Accounting or related field.

• Minimum 5 years of credit analysis experience.

• Possesses specific area of underwriting expertise in one or more areas of lending (e.g. CRE or C&I underwriting).

• Excellent financial analytical abilities, with knowledge of financial ratios.

• Advanced Proficiency in Excel.

• Ability to structure and underwrite larger, more complex transactions.

• Outstanding interpersonal, technical, problem solving, and written communication skills needed for preparation of credit memos and analysis of financial statements.

• Demonstrates initiative, judgment/discernment and self motivation to work with minimal supervision.

• Demonstrates resourcefulness and concern for quality by understanding systems and processes and suggesting changes when necessary to increase overall efficiency.

• Demonstrates dependability through good attendance and adherence to time lines and schedules.

• #LI - GC1

All Locations:

Plano-Parkwood