Credit Analyst

United Community Bank • Columbia, SC

43d • Onsite

About The Position

As a Credit Analyst, you’ll assess creditworthiness for end‑user and vendor applications and partner closely with our sales organization. You’ll apply Navitas’ credit guidelines to approve or decline transactions, recommend decisions on items outside your authority, and help optimize processes to improve speed and quality.

Requirements

• Education & Experience: Bachelor’s degree preferred, or 1–2 years of related experience/training, or an equivalent combination of education and experience. Prior experience in the equipment leasing or loan industry is strongly preferred.
• Technical Skills: Proficiency with Excel, Adobe Acrobat, and Microsoft Office. Strong mathematical skills and the ability to synthesize complex or diverse information.
• Analytical Strength: Able to research, interpret, and evaluate financial statements, tax returns, credit reports, and D&B data. Uses intuition and experience to complement data and make sound credit decisions.
• Problem Solving: Demonstrates skillful, timely issue resolution; comfortable gathering and analyzing information to support decisions. Works well in group problem‑solving settings.
• Time & Task Management: Exceptionally organized, detail‑oriented, and capable of managing multiple priorities under tight deadlines. Able to continually prioritize and re‑prioritize in a fast‑paced environment.
• Judgment & Reasoning: Applies general guidelines to non‑standard circumstances and can reason effectively across varied situations—similar and non‑similar.
• Communication & Collaboration: Excellent written and verbal communication skills, including the ability to deliver negative information to external customers professionally and constructively. Works effectively with peers, subordinates, managers, and internal/external partners.
• Resilience: Able to perform effectively under pressure and handle demands from both internal teams and external customers.

Nice To Haves

• Prior experience in the equipment leasing or loan industry is strongly preferred.

Responsibilities

• Evaluate credit risk by analyzing financial statements, tax returns, personal credit reports, D&B reports, and other third‑party sources.
• Decide and recommend credit outcomes within delegated authority; provide recommendations for transactions outside authority in line with Navitas guidelines.
• Partner with sales to answer questions, obtain missing information, and provide clear justification for credit decisions.
• Improve processes by identifying efficiency opportunities and recommending enhancements.
• Deliver on deadlines by prioritizing workload and completing assignments on time.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Number of Employees: 1,001-5,000 employees