Senior Credit Analyst - Remote

UnitedHealth Group•Draper, UT

6d•Remote

About The Position

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together. You’ll enjoy the flexibility to work remotely from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week. You’ll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Requirements

2+ years of experience in analyzing business and personal financial statements related to loan applications
2+ years of experience in underwriting commercial loans, including commercial real estate loans
Ability to travel up to 10%25
Driver's License and access to reliable transportation

Nice To Haves

Bachelor’s degree in Business, finance, accounting, or economics
All employees working remotely will be required to adhere to UnitedHealth Group’s Telecommuter Policy.

Responsibilities

Underwrite new commercial loan applications and conduct periodic reviews of existing loans
Prepare detailed credit underwriting memos that evaluate the credit request, the borrower, financial and credit information, sources of repayment, risks and their mitigations, collateral, and adherence to relevant regulations and policies
Analyze and document requests for loan modifications
Maintain thorough knowledge of credit policies, guidelines, procedures, regulations, and systems
Ensure completeness of loan files and documentation
Make, recommend, and present credit decisions to the credit administration and credit committee, utilizing effective written and verbal communication skills
Evaluate and recommend risk ratings for loans underwritten
Support portfolio management and monitoring activities
Build and sustain positive relationships with both internal and external clients