United Bank

  • Credit Analyst

    Job Locations US-WV-Morgantown | US-VA-Vienna
    Posted Date 2 weeks ago(5/11/2018 12:12 PM)
    Job ID
    # of Openings
    Credit Administration/Credit Analysis
    UB Non-Retail
  • Responsibilities


    • Evaluate loan requests of commercial loan customers applying for credit, including new, renewal or extension loans.
    • Underwriting of loan requests including financial statement analysis, industry analysis, market analysis, and evaluation and identification of other risks.
    • Ongoing evaluation of largest commercial loan customers.



    • Analyze commercial loan requests, utilizing information provided by customers, third parties and internal resources, on new, renewal and existing loans.
    • Prepare reports, summaries and issue opinions to loan officers, senior credit officers and loan committees to be utilized in credit decisions on new, renewal and existing loans.
    • Establish, review and update analyses on a regular basis for the bank’s largest commercial loan customers and provide to management with evaluation of current risk grades and identify risk.
    • Interact with current and potential borrowers and lending officers to inquire about important information pertaining to the transaction, items in the financials of the borrower, etc.
    • Participate in client meetings and site visits to obtain necessary underwriting information


    • Bachelor’s Degree in Business, Accounting or Finance or minimum of three (3) years of equivalent banking work experience required.
    • Working knowledge of key accounting concepts
    • Proficiency in Microsoft Office Products is required
    • Prior working experience with Financial Analysis software highly desired
    • Ability to demonstrate strong interpersonal and problem solving skills
    • Excellent written and verbal communication skills required
    • Ability to perform simple/complex mathematical calculations is required
    • Ability to work independently and as part of a team within a fast paced environment
    • Strong multi-tasking and detail oriented skills is essential
    • Ability to travel up to 10%



    • Sitting for extended periods of time.
    • Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse, and other computer components.
    • Ability to converse and exchange information with all levels of staff within organization.
    • Ability to observe, perceive, identify, and translate data
    • Ability to travel via air, rail, automobile and/or bus.


    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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