Senior Credit Analyst

Job DescriptionJob DescriptionBe 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 farmers 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 Senior Credit Analyst is responsible for performing complex credit analysis, which may include commercial and agricultural credits. This position will also provide mentorship to support the growth and development of the Credit Analysts.Responsibilities/Accountabilities:Loan Analysis: Prepare written loan presentations with thorough, in-depth, written analysis of financial statements of complex commercial and agricultural credits. 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 Banks loan policy and make recommendations for updates and improvements to enhance the customer experience and maintain Bank best practices.Mentorship: Provide mentoring and technical support to Credit Analysts; partnering to further their knowledge, development, and training.Reporting: Provide periodic reporting to senior management, loan committees, and the board of directors as requested.Committee Participation: Routinely attend and actively participate in loan committee meetings.Government Loan Programs: Maintain a working knowledge of available government lending programs used to mitigate risk to the Bank (SBA, FSA, state programs, etc.)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.Special Assets: Partner, as requested, to manage delinquencies, workouts, collections, and foreclosure activities.Niche Lending: May specialize in niche lending program underwriting.Education and Experience:Bachelors degree in business, finance, or accounting or equivalent.Five (5) or more years of credit analysis experience.Banking industry experience preferredUnity Bank is an Equal Opportunity EmployerBenefits: 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 PayWorking Conditions: Bank/office environment, secure, comfortable working conditions. May be required to travel to/from branch offices, corporate office, and other facilities.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.

Created: 2025-05-02