Sr. Commercial Credit Analyst

Senior Credit Analyst

The Senior Credit Analyst is responsible for supporting and overseeing the Bank's commercial credit risk management function through prudent underwriting, portfolio monitoring, credit analysis, risk identification, and policy adherence. This position plays a key role in maintaining the overall soundness of the Bank's commercial loan portfolio by identifying credit weaknesses, monitoring portfolio trends, evaluating concentrations, and ensuring credit decisions are consistent with the Bank's risk appetite, lending policies, and regulatory expectations.

This role will independently underwrite and analyze new, renewed, and modified commercial credit requests, including Commercial & Industrial, Commercial Real Estate, construction, and other commercial loan relationships. Initially, this position will serve as the Bank's primary commercial credit analyst, with the opportunity to develop into a leadership role overseeing additional credit analysts as the Bank's commercial portfolio grows.

The Senior Credit Analyst will work closely with lending officers, credit administration, executive management, and loan committees to support responsible loan growth, strong credit quality, and effective portfolio risk management.

Key Responsibilities

• Independently analyze, underwrite, and prepare credit presentations for new loans, renewals, extensions, modifications, and annual reviews.
• Evaluate borrower financial statements, tax returns, cash flow, debt service capacity, collateral support, guarantor strength, industry risk, and repayment ability.
• Prepare comprehensive written credit analyses for Commercial & Industrial, Commercial Real Estate, construction, and other commercial credit requests.
• Assess loan structure, collateral coverage, financial covenants, repayment sources, guarantor support, and compliance with Bank policy.
• Assign and support appropriate risk ratings based on financial performance, repayment capacity, collateral position, management strength, and overall credit risk.
• Identify policy exceptions, underwriting weaknesses, and credit risks, and provide clear recommendations for mitigation.
• Communicate directly with borrowers, as necessary, to understand the changes in their financial statements or conditions.

• Monitor the commercial loan portfolio for emerging risks, credit deterioration, concentration concerns, policy exceptions, covenant violations, and risk rating changes.
• Conduct periodic portfolio reviews, including annual reviews, borrowing base reviews, covenant compliance testing, and collateral monitoring.
• Support stress testing, concentration risk analysis, and portfolio trend reporting to evaluate portfolio resilience and credit quality.
• Identify potential problem loans early and work with lending officers and management to recommend appropriate risk mitigation strategies and defined action plans.
• Monitor compliance with approved loan terms, conditions, covenants, reporting requirements, and tickler items.
• Assist in maintaining accurate and timely credit files consistent with Bank policy and regulatory expectations.
• Assist with collecting past due and delinquent loans. This may include direct contact with the customer.

• Participate in the enhancement, implementation, and monitoring of credit policies, procedures, underwriting standards, and risk appetite frameworks.
• Support ongoing evaluation of portfolio limits, concentration limits, policy exception tracking, and credit quality metrics.
• Ensure credit analysis and portfolio management practices align with applicable regulatory guidance, including expectations of the OCC, FDIC, Federal Reserve, and other authorities, as applicable.
• Assist with preparation of monthly credit risk reports for executive management, the Directors' Loan Committee, and the Board of Directors.
• Provide input on enhancements to credit administration processes, loan review preparation, risk rating methodology, and portfolio reporting.

• Serve as a senior credit resource to lending officers, credit administration personnel, and future credit analysts.
• Provide guidance and training on credit analysis, loan structuring, risk rating, cash flow analysis, collateral evaluation, covenant monitoring, and regulatory expectations.
• Collaborate with lending officers to structure credits that support customer needs while maintaining prudent risk exposure.
• Partner with senior management to align credit risk practices with the Bank's strategic growth objectives and Board-approved risk tolerance.
• As the Bank grows, assist in developing, mentoring, and managing a team of credit analysts.
• Completion of all bank assigned ongoing training courses as required.
• Occasionally attend outside training courses our seminars as approved by management to further your career.

• Participate in special projects, system upgrades, credit workflow improvements, and process enhancement initiatives.
• Assist in improving credit templates, portfolio monitoring tools, risk rating reports, annual review processes, and credit administration procedures.
• Serve as a subject matter expert on commercial credit risk trends, industry best practices, underwriting standards, and regulatory developments.
• Support internal audits, loan reviews, regulatory examinations, and management responses related to commercial credit administration.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field required.
• MBA, graduate banking school, formal credit training, or advanced banking/credit education preferred.
• Minimum of 10 years of progressive commercial banking, credit analysis, underwriting, portfolio management, or credit administration experience.
• Minimum of 5 years of experience in a senior credit, portfolio management, or credit risk leadership role preferred.
• Strong knowledge of Commercial & Industrial lending, Commercial Real Estate lending, construction lending, cash flow analysis, collateral analysis, and guarantor analysis.
• Demonstrated ability to independently underwrite complex commercial credit relationships.
• Strong understanding of credit risk management, loan structuring, risk ratings, covenants, collateral monitoring, and portfolio administration.
• Working knowledge of banking regulations, regulatory guidance, safety and soundness expectations, and commercial lending best practices.
• Experience preparing credit presentations for loan committees, senior management, or Board-level review.
• Must have the ability to pay close attention to details.
• Proficiency with Microsoft Office Suite, especially Excel and Word.
• Experience with loan origination systems, credit risk systems, core banking systems, or portfolio management platforms preferred.

Core Competencies

• Credit Judgment: Demonstrates sound, balanced credit judgment and the ability to identify and mitigate risk.
• Analytical Ability: Effectively analyzes financial statements, tax returns, cash flow, collateral, guarantor strength, and repayment sources.
• Portfolio Risk Management: Monitors portfolio trends, credit quality, concentrations, exceptions, and emerging risks.
• Regulatory Awareness: Understands and applies banking regulations, credit administration standards, and safety and soundness expectations.
• Attention to Detail: Produces accurate, complete, and well-supported credit analysis and portfolio reporting.
• Communication: Clearly communicates credit risks, recommendations, and portfolio trends to lending officers, management, committees, customers, and the Board.
• Leadership and Development: Provides guidance, mentoring, and training to lending and credit personnel.
• Accountability: Takes ownership of work product, credit recommendations, deadlines, and risk management responsibilities.
• Strategic Thinking: Aligns credit risk practices with the Bank's growth strategy, risk appetite, and long-term objectives.
• Collaboration: Works effectively with lending, credit administration, executive management, and other business units.

Physical and Work Requirements

• Primarily remote office-based position with prolonged periods of sitting and computer use.
• Must be able to review detailed financial information, credit files, loan documents, and reports.
• Occasional travel may be required for customer meetings, site inspections, training, or Bank-related meetings.
• Must be able to meet deadlines and manage multiple priorities in a fast-paced banking environment.

United Trust Bank is committed to creating a diverse environment and is proud to be an equal opportunity employer. All qualified applicants will be considered for employment without regard to race, national origin, gender, age, religion, disability, sexual orientation, veteran status or marital status. We are an E-Verify employer.