Credit Analyst

Credit Analyst I

Summary:

This position is responsible for analysis and monitoring the financial condition and creditworthiness of individuals and businesses applying for credit by using historical financial analysis and cash flow projections.

• Analyze all relevant loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions, and First United’s files.
• Prepare thorough and concise memos, spreadsheets, reports, summaries and opinions for Loan Officers on new, renewal and existing loans within established deadlines.
• Effectively manage the bank’s exposure to identified risks, and recommend appropriate structure for transaction in accordance with First United’s credit policy.
• Oversee and manage financial information files to assure current reports, statements, accounts receivable and other information on customer accounts, and notify Loan Officers of any potential problems in a timely manner.
• Establish, review and update new and existing loan files for the Bank on a regular basis.
• Provide technical advice and assistance to Loan Officers.
• Perform credit inquiries.
• Communicate with Loan Officers and Bank Management in a clear, accurate, and concise manner.
• Generate solutions to problems and suggest alternative solutions when necessary.
• Contribute to Bank-wide projects while following specific and detailed instructions in a timely manner.
• Typically focus on memos for relationships ranging from $500,000 to $2,000,000.
• Create and maintain a solid working relationship with Loan Officers and other team members.
• Adhere to all company policies, core values and procedures.
• Demonstrate genuine interest in learning and working in the banking profession.
• Dress professionally.
• Perform other duties as assigned.

• Bachelor’s degree in Finance, Accounting or related field.
• Minimum of 1–4 years banking industry experience.
• Six months experience with credit systems.
• Knowledge of accounting sufficient to understand and analyze the relationships between the different financial statements.
• Strong financial analytical abilities, with knowledge of financial ratios.
• Strong Excel skills.
• Good interpersonal, technical, problem‑solving, and written communication skills.
• Demonstrates initiative, judgment, and self‑motivation to work with minimal supervision.
• Demonstrates resourcefulness, concern for quality and willingness to suggest process improvements.
• Demonstrates dependability through good attendance and adherence to timelines and schedules.

Location:

Denton-South, All Locations.

If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at  for assistance.

First United is an Equal Opportunity Employer. To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.

Note:

This job description is not intended to be all‑inclusive. Employees may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.