Sr. Credit Analyst

Join Our Team as Sr. Credit Analyst

Are you ready to take your credit analysis expertise to the next level? United Valley Bank is seeking an experienced professional to join our team as a Sr. Credit Analyst—a key role responsible for advanced credit analysis, underwriting, and monitoring of complex loan relationships. This position requires strong analytical skills, deep knowledge of credit policies, and the ability to mentor junior analysts while ensuring compliance with regulatory standards and internal policies.

If you thrive in a fast-paced environment and enjoy working collaboratively to support lending decisions, this is the opportunity for you!

Key Responsibilities

• Perform in-depth financial analysis and credit underwriting for complex commercial and agricultural loan relationships.
• Evaluate borrower financial statements, cash flow, collateral, and risk factors to determine creditworthiness.
• Prepare detailed credit presentations and recommendations for loan committees.
• Monitor existing loan portfolios for performance, covenant compliance, and emerging risks.
• Collaborate with lenders to structure credit solutions that meet client needs while mitigating risk.
• Ensure adherence to bank credit policies, regulatory requirements, and industry best practices.
• Assist in audits and regulatory examinations related to credit risk management.
• Mentor and provide guidance to junior credit analysts, fostering professional development.
• Stay current with economic trends, market conditions, and regulatory changes impacting credit risk.

Reporting Structure

The Sr. Credit Analyst reports directly to the Credit Analyst Manager and Branch President and collaborates closely with lending officers and senior management to ensure sound credit decisions and effective risk management across the bank.

Work Environment

This position is primarily office-based, with occasional travel to branch locations.

If you are ready to take the next step in your banking career, we encourage you to apply for the Sr. Credit Analyst position. At United Valley Bank, “Our Roots Make Us Stronger”—join us and help shape the future of our lending services!

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field required.
• Minimum of 5 years of experience in credit analysis, commercial lending, or related banking roles.
• Strong proficiency in financial statement analysis and risk assessment.
• Comprehensive understanding of credit policies, loan documentation, and regulatory compliance.
• Excellent analytical, organizational, and problem-solving skills.
• Effective communication and interpersonal abilities for collaboration with internal teams and clients.
• Ability to manage multiple priorities and meet deadlines in a dynamic environment.

Key Competencies

• Advanced financial and credit analysis
• Risk management and compliance orientation
• Decision-making and problem-solving
• Collaboration and relationship building
• Leadership and mentoring skills

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