Credit Analyst III
- Analyzes all relevant loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions, and First United's files.
- Prepares thorough and concise memo's, spread sheets, reports, summaries and opinions for Loan Officers on new, renewal and existing loans within established deadlines.
- Effectively manages the bank's exposure to identified risks, and recommends appropriate structure for transaction in accordance with First United's credit policy.
- Oversees and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts, and notifies Loan Officers of any potential problems in a timely manner.
- Establishes, reviews and updates new and existing loan files for the Bank on a regular basis.
- Provides technical advice and assistance to Loan Officers.
- Performs credit inquiries.
- Effectively communicates with Customers, Loan Officers, and Bank Management in a clear, accurate, and concise manner.
- Generates solutions to problems and suggests alternative solutions when necessary.
- Performs as a top contributor in Bank-wide projects.
- Initiates and leads Bank-wide projects.
- Focuses on memos for relationships ranging from $2,000,000 and greater.
- Delivers the bank's top volumes in loan activity through new originations or management of the existing portfolio.
- Creates and maintains solid working relationship with Loan Officers and other team members.
- Assists training and development of Credit Analyst I & II.
- Genuine interest in learning and working in the banking profession.
- Dresses professionally.
- Adherence to all First United Policies and Procedures
- Complete all required compliance exams on an annual basis
- Perform other duties as assigned
- Bachelor's degree in Finance, Accounting or related field.
- Minimum 5 years of credit analysis experience.
- Possesses specific area of underwriting expertise in one or more areas of lending (e.g. CRE or C&I underwriting).
- Excellent financial analytical abilities, with knowledge of financial ratios.
- Advanced Proficiency in Excel.
- Ability to structure and underwrite larger, more complex transactions.
- Outstanding interpersonal, technical, problem solving, and written communication skills needed for preparation of credit memos and analysis of financial statements.
- Demonstrates initiative, judgment/discernment and self motivation to work with minimal supervision.
- Demonstrates resourcefulness and concern for quality by understanding systems and processes and suggesting changes when necessary to increase overall efficiency.
- Demonstrates dependability through good attendance and adherence to time lines and schedules.
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