Credit Coordinator/Commercial Loan Assistant

Job Description

United Community Bank is looking for a Credit Coordinator/Commercial Loan Assistant This position is responsible for gathering, analyzing, and evaluating credit information and the financial condition of loan applicants within the framework of Bank guidelines and current economic and industry trends. This role supports the processing, documentation, and monitoring of commercial loans, including ongoing risk assessments for existing credit relationships.

Essential Duties and Responsibilities:

Gather required data from customers, internal systems, and external sources

Prepare spreadsheets and analyze financial information, including financial statements and tax returns

Assist in prioritizing commercial credit requests and preparing accurate, timely credit presentations

Review and renew existing credit facilities, including financial covenant tracking and borrowing base calculations

Compile data from credit bureau reports and various financial statements

Conduct industry and peer comparisons

Perform cash flow analysis and assist in assessing repayment capacity

Communicate proactively when updated financial information is needed for commercial clients

Research credit inquiries and UCC filings to determine credit worthiness and ensure appropriate collateral positions

Write financial reviews and provide recommendations on loan structure, terms and risk considerations

Build and generate loan documents for commercial loan closings

Request title work, appraisals and other third-party reports

Correspond with legal counsel and collections regarding workouts, bankruptcies and charge-offs to ensure all necessary actions are taken

Attend loan committee meetings

Work closely with management and team members to support lending operations and maintain workflow efficiencies

Develop and maintain effective working relationships at all levels by proactively participating and contributing to a positive work environment, controlling emotions and temperament, and exhibiting courteous, respectful, and professional behavior at all times

Maintain familiarity with bank products and services

Maintain familiarity with all regulatory standards

Maintain familiarity with and uphold all Bank policies and procedures

Complete all training requirements as assigned

Other related duties as assigned

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Computer Requirements:

Proficiency in Microsoft Office (Word, Excel, Access, and Power Point)

Education/Experience Requirements:

Bachelor's degree in finance, accounting, business or related field or equivalent experience is preferred

2-5 years' experience in banking, preferably in lending, credit or accounting is a plus

Additional Requirements:

Previous customer service skills preferred

Strong attention to detail and accuracy

Strong time management and organizational skills

Ability to practice discretion and handle confidential information in a professional manner

Ability to handle sensitive and confidential situations and comprehend the level of confidentiality that comes along with the position and protecting employee's, customer's and bank information

Problem Solving/Analysis skills

Ability to communicate effectively and professionally with customers and coworkers

Ability to read, write and comprehend simple instructions, short correspondence and memos

Ability to perform basic mathematical calculations and to work with mathematical concepts and apply them to work situations

Ability to manage and execute more than one task at a time

Ability to define problems, collect data, establish facts, and draw valid conclusions

Ability to independently perform duties, establish priorities and meet deadlines with limited supervision

Ability to adhere to safety and compliance regulations and procedures

Ability to explain the benefits of bank products and services and answer customer questions regarding these products and services

Knowledge of financial institution regulations

Ability to exercise sound judgement that is consistent with established policies, procedures and business practices

Attendance Requirements:

Employees are expected to report to work as scheduled, on time and prepared to start work. Employees are expected to remain at work for their entire work schedule. Late arrival, early departure or other absences from scheduled hours should be avoided.

Certificates, licenses, or registrations:

None required

Working Conditions:

This job operates in a clerical setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical requirements:

Requires bending, stooping or standing as necessary

Requires the ability to hear, speak and/or signal people

Effectively communicate verbally, in writing, and in English

Requires manual dexterity, typing, and the ability to key in transactions

The employee may occasionally lift and/or move up to 25 pounds

Benefits:

The following benefit programs are available to all employees:

401(k) retirement plan (requires 60 days of employment, age 20)

Paid Leave Time

Free checking account including identity theft and cellphone protection, Roadside Assistance and more

Free savings account & Safety Deposit Box

Cashier's checks

In addition, the following benefits are available to all full-time employees after meeting eligibility requirements:

Vacation time (requires 30 days of employment)

Sick/Personal Time (requires 90 days of employment)

Holidays

Jury Duty leave

Health Insurance (requires 60 days of employment)

Dental Insurance (requires 60 days of employment)

Vision Insurance (requires 60 days of employment)

Life Insurance (requires 60 days of employment)

Short-Term Disability Insurance (requires 60 days of employment)

Long-Term Disability Insurance (requires 60 days of employment)

Section 125 Cafeteria Plan including Flexible Spending Accounts (requires 60 days of employment)

Tuition Reimbursement

Military Leave

Some benefit programs require contributions from the employee, and all begin on the first of the month after eligibility is met. Certain benefits provided by United Community Bank are governed by plan documents.

Please visit for more information on UCB's complete benefit package.

Full-time