Credit Quality East - Credit Analyst III

First United Bank, Operations Center, Oakland, Maryland, United States of America

For more than a century, First United has served the financial needs of our personal and business
customers throughout Maryland, West Virginia, Virginia and Pennsylvania. We care about our communities,
seek to understand what drives our customers and create customized solutions to meet their needs.
Our mission is to enrich the lives of our customers, coworkers and shareholders through an
unparalleled commitment to the client experience and passionate involvement in the community.

204 - Credit Quality East - Credit Analyst III

Job Title: Credit Analyst III

Job Reporting Relationships

Supervised by: Regional Credit Officer-Central Team or Regional Credit Officer

Basic Qualifications

Education/Training: A Bachelor of Science or Bachelor of Arts degree in Accounting, Finance or related field of study is preferred. In lieu of a bachelor’s degree consideration will be given to individuals with a High School Diploma and a minimum of seven years of directly related commercial lending or commercial underwriting experience. Specialized education, training and certification in financial analysis, credit risk, appraisal review, and lending normally required;

obtain and maintain appropriate Bank Product Knowledge Certification.

Skill(s): Advanced reading, writing, grammar, and mathematics skills; advanced interpersonal relations and effective communicative skills; advanced knowledge of current lending, appraisal, and loan review regulations and banking regulations, procedures, and operations; advanced ability to analyze and interpret complex financial statements; advanced risk rating skills; advanced loan structuring, covenanting and conditioning skills; knowledge of concentration risk and pricing philosophy; strong PC skills, including spreadsheet software and loan management software;

advanced time management skills; technical skills sufficient to provide guidance and training to Credit Analyst I & II(s), and Credit Team Administrative Assistant; visual and auditory skills; valid driver’s license.

Experience: A minimum of seven (7) years of directly related banking experience required with supervisory management experience preferred.

General Responsibilities

The Credit Analyst III is responsible for ensuring an effective and efficient commercial credit underwriting function providing detailed financial, market and industry analysis; assessing credit risk within both proposed commercial loan requests and existing commercial loan portfolio; providing analysis and reviewing the Bank’s top aggregate commercial relationships; providing alternative solutions through structure, conditions and covenants to mitigate risk; ensuring the department's compliance with operating policies and procedures and outside regulatory requirements;

effectively communicating with both internal & external bank customers; providing periodic reports; and providing on-going training & support to retail branch associates.

1. Spreads financial statements and tax returns for commercial clients.

2. Provides consistent, quality narrative financial analysis including but not limited to discussion of financial condition, cash flow & balance sheet trends, ratio analysis, loan pricing review, peer & industry comparisons, and collateral assessment.

3. Utilizes analysis to recommend appropriate risk ratings for new requests, ACHs, and existing loan relationship to support the ongoing risk management of the Bank.

4. Completes annual relationship reviews for the Bank’s top aggregate commercial loan relationships, large revolving commitments and ACHs. Analyzes financial trends, payment history, compliance to loan covenants, and market / economic conditions to assess ongoing credit risk and evaluates / provides recommendations for risk ratings and renewal of open commitments and ACHs.

5. Provides guidance and prompt follow-up to retail branch staff to facilitate timely loan decisions.

6. Provides financial updates to Criticized Asset Reports and ACARs. Reviews lending staff updates within reports to recommend any needed…