Senior Credit Analyst II

2 weeks ago


Morgantown, West Virginia, United States First United Bank Full time
Position Overview:

The Credit Analyst II plays a pivotal role in the commercial credit underwriting process, ensuring that all credit evaluations are thorough and precise. This position involves analyzing financial statements, providing detailed risk assessments, and ensuring compliance with established lending policies.

Key Responsibilities:
  • Financial Analysis: Conduct comprehensive financial statement spreads and tax return analyses for commercial clients.
  • Risk Assessment: Deliver consistent and high-quality narrative financial analyses, focusing on financial condition, cash flow trends, and collateral evaluations.
  • Collaboration: Work closely with commercial lending teams to prepare and present loan submission packages for new requests and modifications.
  • Underwriting: Evaluate retail branch commercial proposals, addressing repayment capacity and compliance with credit policies.
  • Guidance: Provide timely support and follow-up to retail branch staff to facilitate effective loan decision-making.
  • Compliance Review: Assess loan proposals for adherence to Bank and regulatory policies, ensuring all exceptions are identified and managed.
  • Risk Management: Recommend appropriate risk ratings for new requests and existing relationships, contributing to the Bank's ongoing risk management efforts.
  • Annual Reviews: Conduct annual assessments of the Bank's significant commercial loan relationships, analyzing financial trends and market conditions.
  • Appraisal Management: Order and review appraisals, ensuring compliance with loan-to-value requirements.
  • Training Support: Assist in the training of junior analysts and provide technical support for commercial underwriting software.
Qualifications:

Candidates should possess a Bachelor’s degree in Accounting, Finance, or a related field, or equivalent banking experience. A minimum of two to three years of relevant banking experience is required, along with advanced analytical skills and proficiency in financial analysis software.

Work Environment:

This position offers a hybrid work model, allowing for flexibility in the workplace.

First United Bank & Trust is committed to fostering an inclusive work environment and is an Equal Opportunity Employer.



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