United Bank

Credit Analyst Senior

US-VA-Vienna | US-WV-Morgantown
3 weeks ago
Job ID
2017-3002
# of Openings
1
Category
Credit Administration/Credit Analysis
Market/Branch
UB Non-Retail

Responsibilities

JOB SUMMARY:

 

The employee will be responsible for evaluating potential counterparty transactions via the preparation of credit memorandums to be submitted to management and Officer’s Loan Committee. This will include, but is not limited to, evaluating credit worthiness of potential borrowers via the underwriting of borrower financial statements, collateral coverage, and guarantor support. Loans to be underwritten include new, renewal, and loans for extension.

 

ESSENTIAL FUNCTIONS AND DUTIES:

  • Analyze loan data, including data provided by customers, credit bureaus and United Bank records on new, renewal and existing loans.
  • Prepare spreadsheets, reports, summaries and opinions for loan officers and loan committees to assist with credit decisions on new, renewal and existing loans.
  • Discuss deal structure, cash flow, collateral, character, and other relevant lending issues with Commercial Lending team.
  • Risk-grade proposed loans during underwriting 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 analysis on a regular basis.
  • Interact with current and potential borrowers and Bank lending officers.
  • Assist in the training and supervision of Credit Analysts.

 

ADDITIONAL RESPONSIBILITIES:

  • Other duties as assigned.

Qualifications

Must have a four year undergraduate degree in Business, Accounting or Finance or equivalent work experience. At least two years of experience as a Credit Analyst or above (completion of formal credit training is preferred).

 

KNOWLEDGE, SKILLS, AND ABILITIES:

Knowledge of advanced accounting concepts. Proficiency with Excel, Word and financial analysis software. Technical writing skills. Excellent customer relations skills, negotiation skills, written and verbal communication skills, telephone skills, problem solving skills, interpersonal skills and a professional presentation. Requires comprehension/interpretation of written and verbal instruction. Must have the ability to work independently, work under pressure, and be results-oriented, a team player, flexible and self-starter. Requires analytical ability and the ability to perform simple/complex mathematical calculations, ability to manage multiple priorities, give attention to detail and organizational skills. Ability and willingness to work with a variety of individuals and departments.

 

OTHER INFORMATION:

Typical work schedule: 8:30 a.m. – 5:30 p.m. M-F

Overview

With over 175 years of experience, United Bank is one of the region’s premier banks with locations in West Virginia, Virginia, Washington, DC, Maryland, Ohio, and Pennsylvania. A subsidiary of United Bankshares, Inc., with dual headquarters in Washington, DC and Charleston, WV, we are a full service financial institution with over $19 billion in assets.
 
At United Bank, our people are our greatest asset. Our company is a perfect fit for hard-working, driven individuals as we provide a culture that is entrepreneurial, efficient, relationship-based and service-oriented. United is proud of our record of growth and our commitment to service - not only to our customers, but also to the communities in which we live and work.
 
United encourages our employees to become involved in the community and in professional activities, and we provide continued training and other support to help all employees achieve their full potential.

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