Credit Analyst I

United Bank, Inc.•Morgantown, WV

49d

About The Position

The Credit Analyst will primarily be responsible for underwriting of complex Commercial Real Estate (CRE) and Commercial and Industrial (C&I) loans. Underwriting includes financial analysis, market/industry research, and risk analysis for commercial borrowers. In addition to underwriting, Analysts will also be responsible for the annual review of the Bank's more complex existing commercial loans.

Requirements

Bachelor's Degree required; degree may be substituted with minimum of two (2) years of direct related banking experience.
Minimum of six (6) months successfully working as a Credit Analyst within United or one (1) year of prior credit related experience required.
Demonstrated ability to complete accurate complex financial and other analysis is required
Proficiency in Microsoft Office products is required.
Demonstrated ability to use Financial Analysis software required.
Demonstrated ability to complete accurate financial and other analysis is required.
Ability to travel up to 10% required (may require overnight travel)
Ability to demonstrate strong interpersonal and problem-solving skills.
Excellent written and verbal communication skills required.
Ability to perform 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.
Demonstrates the Bank's core values.
Analytical and critical thinking skills
Assessing, analyzing and interpreting complex financial information
Meticulous attention to detail
Problem Solving
Interpersonal and communication skills
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.

Responsibilities

Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence of complex client loans.
Analyze loan data, including data provided by customers, credit bureaus and United Bank records on new, renewal and existing loans.
Deliver spreadsheets, reports, summaries and issue opinions and recommendations to loan officers, senior credit officers and loan committees to be utilized in credit decisions on new, renewal and existing loans.
Assign risk-grades to proposed loans during the underwriting and annual review 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 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
Analyst will independently be responsible for accurate completion of loans assigned by applying appropriate techniques and regulatory parameters.
Stay current with the company's lending protocols and ability to apply.
Adheres to the agreed upon Service Level Standards.
Work on special projects as business needs arise.