Credit Analyst

Job Description

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: The Credit Analyst is responsible for conducting thorough analysis of basic, commercial, and agricultural credits by identifying strengths and weaknesses, providing recommendations, and noting any deviation from Unity Bank’s loan policy.

Responsibilities/Accountabilities:

• Loan Analysis: Prepare written loan presentations, with a thorough, in-depth, written analysis of the financials statements of commercial and agricultural credits. Evaluate repayment sources, collateral adequacy, and credit information. Assess risk and recommend risk rating changes when analysis merits. Review loan covenants and determine compliance with loan agreements.

• Credit Files: Ensure that all credit files are complete, identify any document deficiencies, and partner with the lending team to provide technical advice and other assistance as needed.

• Loan Policy: Maintain an active knowledge of the Bank’s loan policy.

• Reporting: Provide periodic reporting to senior management, loan committees, and the board of directors as requested.

• Committee Participation: Occasionally attend and actively participate in loan committee meetings.

• Compliance: Ensure adherence to regulatory requirements, privacy policies, industry standards, and internal policies and procedures.

• Market Research: Stay up to date on market data, research industry specific information from outside sources including conversations with the borrower, industry publications, reference from other banks, online research, credit agencies, etc.

• Customer Connection: Attend customer meetings as requested to learn more about the business operations.

Education and Experience:

Associate degree in business, finance, or accounting or equivalent.

Two (2) or more years of credit analysis experience or combination of education and experience.

Banking industry experience preferred

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.

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.

Full-time