Credit Analyst

Job Description

Job Description

United Community Bank is in search of a Credit Analyst. This position is responsible for gathering and analyzing credit information on current and potential borrowers for diversified types of loans. Within the framework of the Bank guidelines and current economic and industry trends will assist in preforming pre-qualification assessments and analysis of the financial condition of the borrower and the risk of financing requests. This position will be in office and is not eligible for remote placement .

Essential Duties and Responsibilities :

• Assist in ensuring required data is gathered from customers, internal and external sources, prepare spreadsheets and analyze financial information including financial statements and tax returns
• Work closely with management and other team members to effectively prioritize commercial credit requests and complete credit presentations in a timely manner
• Assist in the review and renewal of credit facilities and complete ongoing financial covenant and borrowing base calculations related to commercial credits
• Communicate when up-to-date financial statements are needed for commercial accounts, ensure credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved
• Compile data from credit bureau reports and various financial statements
• Conduct industry peer comparisons
• Perform cash flow analyses
• Correspond with legal counsel and collectors regarding workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken
• Develop knowledge of financial industry, economy, market conditions, rates, vendors, competition
• Write financial reviews and reports and make recommendations on loan structures and terms
• Attend loan committee meetings as requested
• Develop and maintain effective working relationships at all levels by proactively participating and contributing to a positive work environment, controlling emotions and temperament, and exhibiting courteous, respectful, and professional behavior at all times
• Maintain familiarity with bank products and services
• Maintain familiarity with all regulatory standards
• Maintain familiarity with and uphold all Bank policies and procedures including policies and procedures related to this position
• Complete all training requirements as assigned
• Performs other related duties as assigned

A successful candidate's rate of pay will be based on several factors including applicable experience, training and education.

Qualifications :

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Requirements listed below are representative of the knowledge, skill, and / or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Certifications, Licenses, Registrations or Required Training : none required

Computer Requirements :

Education / Experience Requirements :

Additional Requirements :

Attendance Requirements :

Employees are expected to report to work as scheduled, on time and prepared to start work. Employees are expected to remain at work for their entire work schedule. Late arrival, early departure or other absences from scheduled hours should be avoided.

Working Conditions :

This job operates in a office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical requirements :

Benefits :

The following benefit programs are available to all employees :

In addition, the following benefits are available to all full-time employees after meeting eligibility requirements :

Some benefit programs require contributions from the employee and all begin on the first of the month after eligibility is met. Certain benefits provided by United Community Bank are governed by plan documents.

Please visit https : / / ucbbanks.com / careers for more information on UCB's complete benefit package.