Credit Analyst

Job Description
Liberty Bank, a United Community Bank, is in search of a Credit Analyst. This position is responsible for gathering and analyzing credit information on current and potential borrowers for diversified types of loans. Within the framework of the Bank guidelines and current economic and industry trends will assist in preforming pre-qualification assessments and analysis of the financial condition of the borrower and the risk of financing requests.

Essential Duties and Responsibilities:

• Assist in ensuring required data is gathered from customers, internal and external sources, prepare spreadsheets and analyze financial information including financial statements and tax returns
• Work closely with management and other team members to effectively prioritize commercial credit requests and complete credit presentations in a timely manner
• Assist in the review and renewal of credit facilities and complete ongoing financial covenant and borrowing base calculations related to commercial credits
• Communicate when up-to-date financial statements are needed for commercial accounts, ensure credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved
• Compile data from credit bureau reports and various financial statements
• Conduct industry peer comparisons
• Perform cash flow analyses
• Correspond with legal counsel and collectors regarding workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken
• Develop knowledge of financial industry, economy, market conditions, rates, vendors, competition
• Write financial reviews and reports and make recommendations on loan structures and terms
• Attend loan committee meetings as requested
• Develop and maintain effective working relationships at all levels by proactively participating and contributing to a positive work environment, controlling emotions and temperament, and exhibiting courteous, respectful, and professional behavior at all times
• Maintain familiarity with bank products and services
• Maintain familiarity with all regulatory standards
• Maintain familiarity with and uphold all Bank policies and procedures including policies and procedures related to this position
• Complete all training requirements as assigned
• Performs other related duties as assigned

Experience and Skills
Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Certifications, Licenses, Registrations or Required Training: none required

Computer Requirements:

• Proficiency in Microsoft Office (Word, Excel, Access, and Power Point)

Education/Experience Requirements:

• At least 1 year experience as a commercial credit analyst required, with 3+ years preferred
• Bachelor's degree in business or finance or equivalent work experience

Additional Requirements:

• Previous experience in financial statement and tax return analysis
• Previous experience underwriting multiple commercial credit types preferred, including CRE, C&I, and Agricultural
• Previous experience with Baker Hill NextGen software preferred
• Ability to read, write and comprehend simple instructions, short correspondence, and memos
• Strong attention to detail and accuracy
• Problem Solving/Analysis skills
• Ability to manage and execute more than one task at a time
• Strong time management and organizational skills
• Ability to independently perform duties, establish priorities and meet deadlines with limited supervision
• Ability to adhere to safety and compliance regulations and procedures
• Ability to communicate effectively and professionally with customers and coworkers
• Basic knowledge of state and federal loan regulations and other Bank lending policies
• Basic knowledge of commercial, construction, and real estate and consumer loan processing
• Ability to exercise sound judgement in a decision-making capacity that is consistent with established policies, procedures and business practices
• Ability to handle sensitive and confidential situations and comprehend the level of confidentiality that comes along with the position and protecting employee's, customer's and bank information.

Attendance Requirements:

Employees are expected to report to work as scheduled, on time and prepared to start work. Employees are expected to remain at work for their entire work schedule. Late arrival, early departure or other absences from scheduled hours should be avoided.

Working Conditions:

This job operates in a office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical requirements:

• Requires bending, stooping or standing as necessary
• Requires the ability to hear, speak and/or signal people
• Effectively communicate verbally, in writing, and in English
• Requires manual dexterity, typing, and the ability to count money and key in transactions
• The employee may occasionally lift and/or move up to 25 pounds

Job Benefits
The following benefit programs are available to all employees:

• 401(k) retirement plan (requires 30 days of employment, age 20)
• Paid Leave Time
• Free checking account including identity theft and cellphone protection, Roadside Assistance and more
• Free savings account & Safety Deposit Box
• Cashier's checks

In addition, the following benefits are available to all full-time employees after meeting eligibility requirements:

• Vacation time (requires 30 days of employment)
• Sick/Personal Time (requires 90 days of employment)
• Holidays
• Jury Duty leave
• Health Insurance (requires 30 days of employment)
• Dental Insurance (requires 30 days of employment)
• Vision Insurance (requires 30 days of employment)
• Life Insurance (requires 30 days of employment)
• Short-Term Disability Insurance (requires 30 days of employment)
• Long-Term Disability Insurance (requires 30 days of employment)
• Section 125 Cafeteria Plan including Flexible Spending Accounts (requires 30 days of employment)
• Tuition Reimbursement
• Military Leave

Some benefit programs require contributions from the employee and all begin on the first of the month after eligibility is met. Certain benefits provided by United Community Bank are governed by plan documents.


Please visit for more information on UCB's complete benefit package.