Credit Analyst

Union Bank & Trust Company – Job Description

Title: Credit Analyst Officer

Level: Officer

Reports to: Chief Lending Officer

Classification: Exempt

The Credit Analyst positition at Union Bank and Trust is a Bank Officer position primarily responsible for underwriting requests for new and existing credit extensions and for new and existing commercial and individual clients. They will perform detailed financial analysis for all lending opportunities, prepare credit approval, review, and make modify requests for presentation, and ensure compliance with the bank's credit policies and procedures.

Essential Functions

• Analyze economic data and financial statements of individuals or businesses to identify the degree of risk involved with extending credit.

• Prepare new credit presentations and perform annual credit reviews in entirety. Prepare recommendations of credit actions based on analysis.

• Communicates/Documents all credit actions and gathers appropriate credit approvals.

• For individuals, perform research to verify employment and income, inspect reports from credit reporting agencies, and reviews FICO scores.

• Perform financial, economic, and managerial analysis of all prospective and existing loan relationships.

• Use computer software to further evaluate customers’ financial status and produce financial ratios.

• Ensure compliance with Bank loan policies and procedures.

• Responds to loan-related customer inquiries and escalating issues as needed.

• Performs other related duties as assigned.

Competencies

• Excellent verbal and written communication skills.

• Proficient in Microsoft Office Suite, as well as analysis software.

• Basic understanding of relevant policies, procedures and strategies used in credit analysis.

• Ability to identify discrepancies and problems.

• Able to multi-task and work on multiple projects at once.

Education, Training, and Experience Requirements

• Bachelor’s degree in Accounting, Economics, Finance, or a related major is required.

• 3+ years of experience in Commercial Banking, Commercial Underwriting, Financial analysis, or similar experience is preferred.

Environment and Physical Factors

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• This work requires the exertion of lifting or carrying up to 25 pounds intermittently; work regularly requires sitting, speaking or hearing, using hands to finger, handle or feel and repetitive motions, frequently requires walking and reaching with hands and arms and occasionally requires standing, kneeling, stooping, crouching or crawling; work has standard vision requirements; vocal communication is required for expressing or exchanging ideas by means of the spoken word; hearing is required to perceive information at normal spoken word levels.

• No personal protective equipment is required.

• Work is generally performed in an office environment with standard office equipment and furnishings available. Occasionally, may be required to attend off-site training and perform site visits.

Disclaimer

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.