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United Trust Bank · 1 hour ago

VP, Credit Risk Manager (Senior Credit Analyst)

Alpharetta, GA

Full-time

Hybrid

Senior Level

$90K/yr - $110K/yr

United Trust Bank is seeking a Senior Credit Analyst who will play a critical role in the bank’s commercial credit and risk-governance framework. This position involves delivering high-quality credit analysis and supporting profitable loan growth while ensuring compliance with the bank's policies and regulatory expectations.

BankingCreditFinancial Services

Hiring Manager

Kelly K.

Responsibilities

Perform comprehensive credit analysis for C&I, CRE, SBA, ABL, and other specialized lending products

Spread and interpret financial statements, tax returns, global cash flow, guarantor liquidity, DSCR, leverage metrics, and collateral coverage

Understand “the why” behind the trends, no elevator analysis

Consider creating a “list of questions to the borrower” as you spread the financial information and use this information in your analysis

Become proficient in Sageworks software

Create clear and concise charts to explain historical cash flows

Apply Bank’s Policy expectations: repayment capacity, collateral valuation, stress testing, sensitivity analysis, and loan structure

Properly identify any exceptions to Policy, and work with Relations Managers to restructure the loan request so that they conform to Policy or determine mitigation strategies to justify the exception to Policy

Prepare credit approval packages consistent with UTB’s Credit Risk Policy and Risk-Rating Guidance

Understanding how to complete the Bank’s Loan Approval Forms in a consistent format and professional manner, with Microsoft Word and Excel

Attention to details is critical to this position

Proofreading work before submission for review & approval

Verifying borrower Entity and collateral details with Secretary of State, Real Estate Tax Assessors websites, Loopnet.com, Zillow.com, Realtor.com, linkedIn.com and other industry online searches, as necessary. This includes negative news searches

Be resourceful to find solutions to your questions

Selecting the correct Property, Call Report , CRA Tracking, and NAICS codes is essential to this Job function

Validate repayment capacity consistent with the Bank’s safety and soundness standards

Monitor borrower performance, covenant compliance, collateral positions, inspections, and reporting

Update spreads and risk ratings consistent with Bank’s Policy

Identify emerging risks and recommend mitigation strategies

Support watch-list management, stress testing, and concentration-risk reviews

Follow industry and economic news to identify potential early warning risks in the portfolio

Apply Reg H, Reg O, HVCRE rules, and Legal Lending Limits

Bank’s LTV guidelines

Understanding how Total Credit Exposure (TCE) is calculated to ensure compliance with Legal Lending Limits

Ensure valuation compliance with Interagency Appraisal & Evaluation Guidelines, and Bank’s Policy

Review documentation consistent with regulatory loan documentation expectations

Carefully review all existing portfolio loan documentation and make no assumptions as mistakes are known to happen and need to be identified and resolved

Maintain Exception Tracking System and updates accordingly. This is currently being housed in Sageworks

Assist in the collection of stale borrower financial information

Monitor Loan Covenants, report violations, and recommend strategies to repair violations

Staying current on economic trends, industry risk indicators, and regulatory bulletins

Support enhancements to UTB credit policies, procedures, and AI-readiness workflows

Adherence to ALL OTHER Bank’s policies and procedures

Partner with Relationship Managers to structure safe, sound, customer-focused credit solutions

Identify all exceptions to Bank Policy

Participate in due-diligence visits, borrower meetings, and industry research as much as possible

Evaluate and re-underwrite participation-lending opportunities for safety, soundness, and portfolio fit

Support consistent credit culture across UTB’s expanding LPO network

Support the Bank’s efforts to create a culture of “private banking high touch and feel” for its clients

Prepare portfolio trend analyses and concentration reports for senior management and the Board

Assist with internal and external loan reviews and OCC examinations

Track and resolve exceptions according to UTB policy and regulatory expectations

No independent lending authority, unless approved by the Board of Directors

No authority to approve policy exceptions

Maintain accurate, audit-ready files and documentation

This includes consistently saving files in the Bank’s desired naming convention for improved efficiency in the Loan Department

Understand the Bank’s file servers and file trees. Help suggest ways to improve its file structures, so that we scale the bank with new Lending Staff that can easily navigate the systems to find the necessary files to complete their jobs

Maintain strict confidentiality regarding borrower information, proprietary bank data, and credit decisions

Avoid conflicts of interest and comply with the bank’s Code of Ethics

Report any irregularities, misrepresentations, red flags, or compliance concerns to the BSA Officer, or Senior Management

Qualification

Credit AnalysisSageworksRegulatory ComplianceRisk ManagementFinancial ModelingMicrosoft ExcelAnalytical SkillsAI ToolsCommunication SkillsAttention to Detail

Required

Perform comprehensive credit analysis for C&I, CRE, SBA, ABL, and other specialized lending products

Spread and interpret financial statements, tax returns, global cash flow, guarantor liquidity, DSCR, leverage metrics, and collateral coverage

Understand 'the why' behind the trends, no elevator analysis

Consider creating a 'list of questions to the borrower' as you spread the financial information and use this information in your analysis

Become proficient in Sageworks software

Create clear and concise charts to explain historical cash flows

Apply Bank's Policy expectations: repayment capacity, collateral valuation, stress testing, sensitivity analysis, and loan structure

Prepare credit approval packages consistent with UTB's Credit Risk Policy and Risk-Rating Guidance

Understanding how to complete the Bank's Loan Approval Forms in a consistent format and professional manner, with Microsoft Word and Excel

Attention to details is critical to this position

Proofreading work before submission for review & approval

Be resourceful to find solutions to your questions

Selecting the correct Property, Call Report, CRA Tracking, and NAICS codes is essential to this Job function

Validate repayment capacity consistent with the Bank's safety and soundness standards

Monitor borrower performance, covenant compliance, collateral positions, inspections, and reporting

Update spreads and risk ratings consistent with Bank's Policy

Identify emerging risks and recommend mitigation strategies

Support watch-list management, stress testing, and concentration-risk reviews

Follow industry and economic news to identify potential early warning risks in the portfolio

Apply Reg H, Reg O, HVCRE rules, and Legal Lending Limits

Bank's LTV guidelines

Understanding how Total Credit Exposure (TCE) is calculated to ensure compliance with Legal Lending Limits

Ensure valuation compliance with Interagency Appraisal & Evaluation Guidelines, and Bank's Policy

Review documentation consistent with regulatory loan documentation expectations

Carefully review all existing portfolio loan documentation and make no assumptions as mistakes are known to happen and need to be identified and resolved

Maintain Exception Tracking System and updates accordingly. This is currently being housed in Sageworks

Assist in the collection of stale borrower financial information

Monitor Loan Covenants, report violations, and recommend strategies to repair violations

Staying current on economic trends, industry risk indicators, and regulatory bulletins

Support enhancements to UTB credit policies, procedures, and AI-readiness workflows

Adherence to ALL OTHER Bank's policies and procedures

Partner with Relationship Managers to structure safe, sound, customer-focused credit solutions

Identify all exceptions to Bank Policy

Participate in due-diligence visits, borrower meetings, and industry research as much as possible

Evaluate and re-underwrite participation-lending opportunities for safety, soundness, and portfolio fit

Support consistent credit culture across UTB's expanding LPO network

Support the Bank's efforts to create a culture of 'private banking high touch and feel' for its clients

Prepare portfolio trend analyses and concentration reports for senior management and the Board

Assist with internal and external loan reviews and OCC examinations

Track and resolve exceptions according to UTB policy and regulatory expectations

No independent lending authority, unless approved by the Board of Directors

No authority to approve policy exceptions

Maintain accurate, audit-ready files and documentation

This includes consistently saving files in the Bank's desired naming convention for improved efficiency in the Loan Department

Understand the Bank's file servers and file trees. Help suggest ways to improve its file structures, so that we scale the bank with new Lending Staff that can easily navigate the systems to find the necessary files to complete their jobs

Maintain strict confidentiality regarding borrower information, proprietary bank data, and credit decisions

Avoid conflicts of interest and comply with the bank's Code of Ethics

Report any irregularities, misrepresentations, red flags, or compliance concerns to the BSA Officer, or Senior Management

Demonstrates ability to assess risk vs. reward in line with UTB's risk appetite

Understands OCC credit standards, safety-and-soundness principles, and emerging banking risks

Ability to leverage Sageworks, Excel modeling, AI tools, and industry platforms

Challenges assumptions, borrower narratives, and incomplete information

Produces regulator-ready credit memos and communicates clearly with lenders

Thinks like a risk manager, not a loan processor

Preferred

Exceptional credit-writing and analytical skills, with meticulous attention to detail

Strong risk discipline and ability to challenge assumptions

Ability to manage multiple priorities in a fast-paced environment

Ability to mentor junior analysts and support UTB's credit-platform scaling

Familiarity with emerging AI-driven credit-analysis tools

Proficient in various software programs such Sageworks, Microsoft Office Products (Word, Excel, Outlook, Teams, etc.), Sharefile.com, and any other platforms necessary to complete essential duties & responsibilities