Credit Analyst II

Position Summary

Responsible for the quantitative and qualitative analysis of applicants' requests for commercial loans. The incumbent will assess the character, capacity, capital, collateral, and conditions of loan requests and will prepare the credit proposal packages recommending the appropriate product and loan structure to manage credit risk.

Essential Functions

• Analyze customer financial condition.
• Assist with loan packages from the time it enters underwriting until the approval is complete and file is sent to the closing department.
• Make a credit recommendation based on credit findings.
• Assist relationship managers with loan committee presentations.
• Minimize risk by establishing appropriate credit terms and conditions.
• Analyze paying habits of customers who are delinquent in payment of bills and recommends action.
• Provide excellent customer service and develop relationships with internal / external customers, vendors and COI's.
• Participate in department projects and take an active role in cross-functional teams to assist in driving quality improvements, processes, and initiatives.
• Actively participates in and communicates with members of the credit administration and other bank departments.
• Complete loan write-ups for new loans and renewals.
• Order reports such as Credit Bureau reports, appraisals, environmental reports, and D&B's.
• Complete memos for changes in approvals and other pertinent issues.
• Prepare commitment letters for newly approved loans.
• Be a mentor to level 1 credit analysts.

Additional Functions

Job Requirements and Qualifications

Education and Experience

Licenses and Certifications

Knowledge, Skills, and Abilities

Physical Requirements

Working Conditions

Compliance

All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability.

This job description is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment.

This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or job descriptions at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload.

Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin / nationality, ancestry, religion / religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States.

Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job , unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.