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

  
  

  Credit Analyst

  
  

  
  

  
  

   

  Job Summary:  

   

  Provides system-wide support of the commercial lending function through the preparation and analysis of financial statement spreads, credit information from Equifax and D & B and loan data.  Identifies strengths, weaknesses and additional information needed for new and existing commercial loan customers with new loan requests or renewals of existing debt.      

   

  General Description/Duties:

   

   prepares, and analyzes financial statement spread sheets for historical operating trends, performance ratios and cash flow. 

  • Prepares and delivers evaluations, proposals, and projections to executive leadership, committees, and other stakeholders.
  • Collects and maintains market research and industry specific data.  
  • Utilizes the Query application to extract loan information as requested.
  • Operation of CreditQuest Software. 
  • Special projects as assigned by management. 
  • 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.
  • Will handle employee loans.
  • Other duties as assigned. 

   

  Job Requirements/Qualifications:

   

  • Education and/or experience equivalent to an Associate Degree in Accounting or Finance. 
  • Minimum of one year of commercial/credit experience preferred.
  • Basic understanding of relevant equipment, policies, procedures, and strategies used in credit analysis.
  • Good analytical and organizational and skills.
  • Ability to identify discrepancies and problems.
  • Excellent verbal and written communication skills.
  • Proficient in Microsoft Office Suite or related software, as well as analysis software, with an emphasis on Microsoft Excel, using spreadsheets and graphs. 
  • Team player.