Credit Financial Analyst - Full-Time

Who We Are:

United Bank offers exciting career opportunities and has a unique company mission and culture. We are an innovative and growing 118-year-old, $2.4 billion Community Bank, that proudly provides Signature Service to our customers, in 19 locations and 11 counties, throughout Middle Georgia. 

View Our Annual Magazine - OUR STORY .

What We Offer:

• Career opportunities and growth.
• Competitive benefit package. Benefits include: paid employee health insurance, dental insurance, vision insurance, short-term disability insurance, paid long-term disability insurance, paid life insurance, 401(k) plan with employer contributions, employee stock purchase plan (ESOP) with employer contributions, flexible spending account (FSA), wellness program, employee assistance program, vacation time, sick time, paid federal holidays, and other unique perks.
• Flexibility
• Unique Culture
  

  
  

Job Summary:  

The Credit Financial Analyst is responsible for analyzing financial statements, assessing the creditworthiness of loan applicants, and providing insight to support lending decisions. The role involves evaluating credit risk, ensuring compliance with regulations, and contributing to the Bank's credit policies and procedures. This position plays a key role in fostering the growth and financial stability of the Bank.

General Description/Duties: 

• Review and analyze financial statements, credit reports, and other relevant financial data of individuals and businesses to assess their creditworthiness and ability to repay loans.
• Evaluate risk factors, including industry trends, market conditions, and financial stability, to make recommendations for loan approvals, modifications, or rejections.
• Support the management of the Bank's loan portfolio by identifying potential risks and providing recommendations for adjustments to mitigate these risks.
• Prepare detailed credit reports and presentations for senior management, loan committees, and regulatory bodies, ensuring all relevant data is accurately represented.
• Ensure all credit decisions and loan documentation adhere to internal policies, banking regulations, and compliance standards.
• Work closely with loan officers, relationship managers, and customers to gather necessary information for credit evaluations and ensure transparency in the loan process.
• Utilize financial models and tools to assess the financial health of clients and predict future financial performance based on available data.
• Assist the Credit Committee with recommendations on loan approvals, extensions, or modifications, based on analysis and findings.
• Provide recommendations on mitigating financial risks to support the bank’s strategic goals and ensure sustainable growth.
• Position will be required to comply with all Federal and State banking laws and related regulations, to include but not limited to the Bank Secrecy Act.
• Manage employee loans and work on special projects as assigned by management.
• Other duties as assigned. 

Job Requirements/Qualifications: 

• Education and/or work experience equivalent to an Associate Degree in Accounting or Finance.
• Minimum of one year of commercial/credit experience preferred.
• Strong understanding of financial statements, credit risk assessment, and lending processes.
• Proficiency in financial modeling, Excel, and other financial software tools.
• Knowledge of banking regulations, credit policies, and loan underwriting processes.
• Strong analytical and problem-solving skills.
• Excellent communication skills, both written and verbal, to explain complex financial information clearly.
• Attention to detail and ability to manage multiple tasks efficiently.
• Must be a team player.