Credit Analyst

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We are currently searching for a Credit Analyst to work onsite at our Operations Center in Columbus Grove, OH!

Under the direction of the Chief Credit Officer, the Credit Analyst evaluates the financial condition of individuals and businesses applying for credit, and renewing lines of credit with the Union Bank Company for commercial and agricultural purposes. Additionally, the Credit Analyst reviews the financial condition of commercial and agricultural customers.

Primary Responsibilities:

• Analyzes financial information and collateral on new, renewal and existing loans, including data provided by credit bureaus, customers, prospects, and other financial institutions.
• Prepares, evaluates, and summarizes the financial analysis on new, renewal, and existing commercial loans including traditional cash flow statements, UCA cash flow statements, collateral analysis reports, rent rolls, and analysis of revolving lines of credit.
• Interacts with customers and lenders in preparation of analysis reports.
• Monitors on-going compliance of existing loans with loan covenants and borrowing bases.
• Assists with loan presentations and assists with the minutes for the Loan Committee, as needed.
• Analyzes financial ratios to determine overall strength of the borrower.
• Identifies strengths and weaknesses of a credit relationship and recommends appropriate loan grade.
• Works with lenders and customers to determine income and expense projections of new and existing projects.
• Recommends and reviews loan structure, loan covenants through analysis and review of collateral values, title work, appraisals, mortgage documents and loan documentation.
• Analyzes current information and helps prepare the reports for the Adversely Classified Rating (ARC) meeting.
• Assists with appraisal reviews.

Additional Responsibilities:

• Organizes the materials and reports for Loan Committee and ARC meetings. Attends meetings and maintains the minutes.
• Keeps abreast of changes in products, policies, and procedures.
• Attends training as needed on a periodic basis.
• Performs other duties as assigned.
• Assists customers (internal and external) with resolution to questions, problems, and issues.

Special requirements for the position:

• Minimum of a Bachelor of Science in Business Administration (preferably with a specialization in Finance or Accounting) OR equivalent work experience as a credit analyst or related position in financial institution.
• Prefer 1-2 years’ financial institution experience.
• Must have the capacity to work under deadlines and be able to handle confrontational situations.
• Must have the ability to work independently.

**It is encouraged that all applicants attach a resume when applying.

The Union Bank Company is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities which includes reasonable accommodation of otherwise qualified disabled applicants and employees. Please see Human Resources should you have any questions about this policy or these job duties.

Job Type: Full-time

Expected hours: 40 per week

Benefits:

• Dental insurance
• Employee stock purchase plan
• Health insurance
• Paid time off
• Tuition reimbursement
• Vision insurance

Schedule:

• Monday to Friday

People with a criminal record are encouraged to apply

Application Question(s):

• Are you over the age of 18?
• Have you ever been employed with The Union Bank Company before?
• Date available for work?
• What is your desired salary range or hourly rate of pay?
• Have you ever been bonded?
• Have you ever pleaded "guilty" or "no contest" to or been convicted of a crime? (Answering "yes" to the proceeding question does not constitute an automatic bar to employment. Factors such as date of the offense, seriousness and nature of the violation, rehabilitation and position applied for will be taken into account.)
• Would you like to Opt-In to receive SMS messaging to and from hiring recruiters and managers about this job:

Application Question(s):

• Are you over the age of 18?
• Have you ever been employed with The Union Bank Company before?
• Date available for work?
• What is your desired salary range or hourly rate of pay?
• Have you ever been bonded?
• Have you ever pleaded "guilty" or "no contest" to or been convicted of a crime? (Answering "yes" to the proceeding question does not constitute an automatic bar to employment. Factors such as date of the offense, seriousness and nature of the violation, rehabilitation and position applied for will be taken into account.)
• Would you like to Opt-In to receive SMS messaging to and from hiring recruiters and managers about this job:

Application Question(s):

• Are you over the age of 18?
• Have you ever been employed with The Union Bank Company before?
• Date available for work?
• What is your desired salary range or hourly rate of pay?
• Have you ever been bonded?
• Have you ever pleaded "guilty" or "no contest" to or been convicted of a crime? (Answering "yes" to the proceeding question does not constitute an automatic bar to employment. Factors such as date of the offense, seriousness and nature of the violation, rehabilitation and position applied for will be taken into account.)
• Would you like to Opt-In to receive SMS messaging to and from hiring recruiters and managers about this job:

Application Question(s):

• Are you over the age of 18?
• Have you ever been employed with The Union Bank Company before?
• Date available for work?
• What is your desired salary range or hourly rate of pay?
• Have you ever been bonded?
• Have you ever pleaded "guilty" or "no contest" to or been convicted of a crime? (Answering "yes" to the proceeding question does not constitute an automatic bar to employment. Factors such as date of the offense, seriousness and nature of the violation, rehabilitation and position applied for will be taken into account.)
• Would you like to Opt-In to receive SMS messaging to and from hiring recruiters and managers about this job:

Application Question(s):

• Are you over the age of 18?
• Have you ever been employed with The Union Bank Company before?
• Date available for work?
• What is your desired salary range or hourly rate of pay?
• Have you ever been bonded?
• Have you ever pleaded "guilty" or "no contest" to or been convicted of a crime? (Answering "yes" to the proceeding question does not constitute an automatic bar to employment. Factors such as date of the offense, seriousness and nature of the violation, rehabilitation and position applied for will be taken into account.)
• Would you like to Opt-In to receive SMS messaging to and from hiring recruiters and managers about this job:

Application Question(s):

• Are you over the age of 18?
• Have you ever been employed with The Union Bank Company before?
• Date available for work?
• What is your desired salary range or hourly rate of pay?
• Have you ever been bonded?
• Have you ever pleaded "guilty" or "no contest" to or been convicted of a crime? (Answering "yes" to the proceeding question does not constitute an automatic bar to employment. Factors such as date of the offense, seriousness and nature of the violation, rehabilitation and position applied for will be taken into account.)
• Would you like to Opt-In to receive SMS messaging to and from hiring recruiters and managers about this job:

Application Question(s):

• Are you over the age of 18?
• Have you ever been employed with The Union Bank Company before?
• Date available for work?
• What is your desired salary range or hourly rate of pay?
• Have you ever been bonded?
• Have you ever pleaded "guilty" or "no contest" to or been convicted of a crime? (Answering "yes" to the proceeding question does not constitute an automatic bar to employment. Factors such as date of the offense, seriousness and nature of the violation, rehabilitation and position applied for will be taken into account.)
• Would you like to Opt-In to receive SMS messaging to and from hiring recruiters and managers about this job:

Experience:

• Banking: 2 years (Preferred)
• Credit Analyst: 2 years (Preferred)

Experience:

• Banking: 2 years (Preferred)
• Credit Analyst: 2 years (Preferred)

Shift availability:

• Day Shift (Required)

Ability to Commute:

• Columbus Grove, OH 45830 (Required)

Ability to Relocate:

• Columbus Grove, OH 45830: Relocate before starting work (Required)

Work Location: In person