Be a valued part of our Unity Experience.

Our employees embrace ideas, share openly and honestly, and believe in meaningful work for all. We are innovative, we encourage, we collaborate, we are authentic, and we live in a care culture. Our work environment is a trust-based, collaborative, open, transparent workspace where our bankers feel good and do good. Each employee builds their own sense of pride and ownership for what we do, taking responsibility for their roles and duties. Employee engagement and customer experience are always at the forefront of all we do.

At Unity Bank, we are proud to be a community bank, at the heart of every community we serve. We feel strongly that when our customers choose Unity Bank, our customers are investing in and strengthening our communities; funding local farmer’s seeds, opening doors on main street, and unlocking opportunities for our neighbors.

Every customer is unique. We value each conversation. We listen to our customers; we are curious, and we connect. We build relationships. We aspire to deliver high quality personalized service that our valued customers need and want. We feel the deep understanding and passion to deliver solutions that truly make a difference. We help people achieve their dreams. We share our Unity Experience with all.

Position Summary:

• Delivers meaningful, detailed credit analysis while providing efficient timely service to commercial relationship managers.
• Accurately analyzes financial statements (including performance ratios) to develop initial assessment by identifying strengths and weaknesses pertaining to borrower’s historical operating performance.
• Prepares a thorough, in-depth, written analysis of new credit requests, credit change requests, renewals and annual relationship reviews.
• Ensures that all credit files are complete, identifies any document deficiencies, and reports to Commercial Relationship Manager, Loan Operations, and/or Commercial Credit Manager, as needed for timely resolution.
• In order to prevent renewing loans from appearing on the delinquency list, advises loan officers about expiring lines of credit and assists in the renewal of the line in a timely fashion.
• Works collaboratively with Commercial Relationship Managers to anticipate, identify, and collect documents needed for efficient, and timely approvals on new and existing credits
• Participates in customer meetings as requested by Customer Relationship Managers (may require travel as needed).
• As requested, works with Commercial Credit Manager to manage delinquencies, work-outs, collections and foreclosure activities.
• Works collaboratively with loan operations, lenders, and other support to collect all pertinent information required for the loan presentation and to monitor the existing portfolio.
• Collects and maintains industry data; research industry specific information from outside sources including conversations with the borrower, industry publications, references from other banks, credit agencies, as well as accessing information through the internet.
• Maintains an active knowledge base of all of the Bank’s loan products and the Bank’s Loan Policy and procedures in order to identify exceptions to policy.

Benefits:

401(k), 401(k) matching, Dental insurance, Disability insurance, Employee assistance program, Health insurance, Health savings account, Life insurance, Paid time off, Referral program, Vision insurance.

Education and Experience:

• Bachelor’s degree in business, finance, or accounting or equivalent.
• Five (5) or more years of credit analysis experience.
• Banking industry experience preferred

Supplemental Pay: Bonus Pay

Working Conditions: Bank/office environment, secure, comfortable working conditions. May be required to travel to/from branch offices, corporate office, and other facilities.

Additional Comments:

This is a position for which:

• Military experienced applicants are encouraged to apply.
• Job seekers of all ages, including older job seekers are encouraged to apply.
• Applicants with disabilities are encouraged to apply.

Unity Bank is an Equal Opportunity Employer