United Bank · 3 days ago
Credit Analyst I
Morgantown, WV
Full-time
Onsite
Entry Level
1+ years expUnited Bank is committed to nurturing a culture that reflects the communities they serve. The Credit Analyst I will be responsible for underwriting complex Commercial Real Estate and Commercial and Industrial loans, conducting financial analysis, market research, and risk assessment for commercial borrowers.
BankingCredit CardsFinancial ServicesLendingVenture CapitalWealth Management
Responsibilities
Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence of complex client loans
Analyze loan data, including data provided by customers, credit bureaus and United Bank records on new, renewal and existing loans
Deliver spreadsheets, reports, summaries and issue opinions and recommendations to loan officers, senior credit officers and loan committees to be utilized in credit decisions on new, renewal and existing loans
Assign risk-grades to proposed loans during the underwriting and annual review process
Perform company and industry research as needed. Perform online research of public records including, but not limited to, assessors’ databases, county register’s databases, and Secretary of State database for corporate filings and Uniform Commercial Code (UCC) filings
Establish, review and update analyses on a regular basis for the Bank’s largest commercial loan customers and provide to management with evaluation of current risk grades and identify risk
Interact with current and potential borrowers and lending officers to inquire about important information pertaining to the transaction, items in the financials of the borrower, etc
Participate in client meetings and site visits to obtain necessary underwriting information
Analyst will independently be responsible for accurate completion of loans assigned by applying appropriate techniques and regulatory parameters
Stay current with the company’s lending protocols and ability to apply
Adheres to the agreed upon Service Level Standards
Work on special projects as business needs arise
Qualification
Required
Bachelor's Degree required; degree may be substituted with minimum of two (2) years of direct related banking experience
Minimum of six (6) months successfully working as a Credit Analyst within United or one (1) year of prior credit related experience required
Demonstrated ability to complete accurate complex financial and other analysis is required
Proficiency in Microsoft Office products is required
Demonstrated ability to use Financial Analysis software required
Demonstrated ability to complete accurate financial and other analysis is required
Ability to travel up to 10% required (may require overnight travel)
Ability to demonstrate strong interpersonal and problem-solving skills
Excellent written and verbal communication skills required
Ability to perform complex mathematical calculations is required
Ability to work independently and as part of a team within a fast-paced environment
Strong multi-tasking and detail-oriented skills is essential
Demonstrates the Bank's core values
Company
United Bank
United Bank is a bank that offers lending services to customers.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
J
James Consagra
CEO
R
Ross Draber
Chief Operating Officer
Recent News
Pakistan Observer
2026-01-11
Business Recorder
2026-01-09
2026-01-07
Company data provided by crunchbase