Commercial Credit Analyst

Uwharrie Bank is seeking an experienced Commercial Credit Analyst to join our team. As a key member of our credit department, you will be responsible for evaluating the creditworthiness and quality of consumer and commercial loan requests.

• Evaluate financial statements and input data into software programs to assess creditworthiness and quality of loans.
• Work closely with other credit analysts and lenders to complete financial spreads, evaluate trends and ratios, and assist lenders in structuring loans.
• Perform industry-standard comparisons using RMA data and other resources.
• Participate in Credit Committee to develop and increase underwriting skills by observing loan requests and annual loan review presentations.

• A four-year degree in business, finance, or accounting, or equivalent experience.
• Formal credit and/or underwriting training from a financial institution is highly preferred.
• A minimum of three years' experience in a banking or financial institution, with emphasis on commercial credit underwriting, analysis, and/or commercial lending.
• Training and experience in reviewing residential and commercial appraisals is a plus.

• General accounting knowledge and ability to read and understand financial statements.
• Solid analytical and underwriting skills, ability to manage time, prioritize, and organize tasks.
• Excellent interpersonal skills, ability to work with various internal and external contacts, and written and oral communication skills.
• Proficiency with personal computers and knowledge of various software applications, including Microsoft Excel and Word.

Work is performed under general bank credit and regulatory guidelines. Periodic independent judgment and decisions may be required that may affect the loan portfolio's integrity, performance, and profitability.