Credit Analyst II

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The Position Job TitleCredit Analyst II Job Description

SUMMARY

This position is responsible for underwriting, analyzing, and monitoring credit exposure for both new and existing loans. The analyst will prepare credit memorandums, provide financial analysis, and assess credit worthiness of real estate transactions. The role will work closely with the servicing officers and other analysts to support the Commercial Real Estate (CRE) group's portfolio.

MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)

• Prepares comprehensive memorandums for Loan Officers on new and renewal loans within established deadlines, often to be presented to credit committee.
• Analyzes all relevant loan data on new and existing loans, including borrower and guarantor financial statements, tax returns, rent rolls, operating statements, appraisals, and market data.
• Models financial proformas, debt service coverage ratios, and loan-to-value calculations. Conducts market research to support underwriting conclusions.
• Monitors ongoing performance of assigned CRE loan portfolio, including review of borrower financial reporting and property-level performance. Identify early warning signs of credit deterioration.
• Updates credit risk ratings and covenant compliance reports quarterly.
• Supports annual credit reviews, renewals, and modifications.
• Assists in structuring loan terms and covenants in line with bank policies and client needs.

ADDITIONAL DUTIES AND RESONSIBILITIES

EMPLOYEE SPECIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The 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.

Education and Work Experience

Technical / Functional Competencies

NOTE : This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

All Locations : Frisco-Preston Road

If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at HR@firstunitedbank.com for assistance.

First United is an Equal Opportunity Employer. To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.