204 - Credit Quality East - Credit Analyst III

Mybank; Maryland; On-site; USD 46,000 - 102,000; Full time

Job summary

A leading bank in Maryland is seeking a Credit Analyst III to conduct financial statement analysis and guide loan decisions. The ideal candidate will have a Bachelor's degree in a related field or extensive experience in banking, along with strong analytical and communication skills. This role offers a competitive salary and benefits, including health insurance and a 401(k).

Benefits

PTO

Holidays

Health insurance

401(k)

Wellness programs

Stock options

Performance reviews

Qualifications

• Bachelor's degree in Accounting, Finance, or related field preferred.
• Minimum of 7 years in banking with supervisory experience preferred.
• Certification in financial analysis, credit risk, and lending is normally required.

Responsibilities

• Conduct financial statement analysis and tax return review for commercial clients.
• Guide retail branch staff on loan decisions and assess ongoing credit risk.
• Prepare loan presentations and approve loans within authority.

Skills

Analytical skills

Communication skills

Interpersonal skills

Knowledge of lending regulations

Financial statement analysis

Risk assessment

Loan structuring

Banking procedures

Time management

Training and guiding junior staff

Education

Bachelor's degree in Accounting, Finance, or related field

High school diploma with 7 years of relevant experience

Tools

PC software including spreadsheets and loan management systems

Job description

204 - Credit Quality East - Credit Analyst III

Location: First United Bank, Oakland, Maryland, United States of America

Job Description

Posted on Friday, March 7, 2025, at 5:00 AM.

First United has served the financial needs of our personal and business customers throughout Maryland, West Virginia, Virginia, and Pennsylvania for over a century. We are committed to understanding our customers' needs and creating tailored solutions. Our mission is to enrich the lives of our customers, coworkers, and shareholders through exceptional service and community involvement.

Position: Credit Analyst III

Reporting Relationships: Supervised by the Regional Credit Officer (Central, East, or West).

Qualifications

Education/Training: Bachelor's degree in Accounting, Finance, or related field preferred. Alternatively, a high school diploma with at least seven years of relevant commercial lending or underwriting experience. Certification in financial analysis, credit risk, and lending is normally required; ongoing certification is expected.

Skills: Strong analytical, communication, and interpersonal skills; comprehensive knowledge of lending regulations, financial statement analysis, risk assessment, loan structuring, and banking procedures; proficiency with PC software including spreadsheets and loan management systems; excellent time management; ability to train and guide junior staff; valid driver's license.

Experience: Minimum of seven years in banking with supervisory experience preferred.

Core Responsibilities

• Financial statement analysis and tax return review for commercial clients.
• Providing detailed narrative analysis on financial condition, cash flow, ratios, industry comparison, and collateral.
• Recommending risk ratings, conducting annual reviews of major relationships, and assessing ongoing credit risk.
• Guiding retail branch staff on loan decisions and updating critical asset reports.
• Ordering and reviewing appraisals, evaluating collateral, and ensuring compliance with policies and regulations.
• Preparing loan presentations, underwriting proposals, and assessing policy adherence.
• Approving loans within authority, reviewing environmental and property reports, and training junior analysts.
• Participating in special projects, maintaining relationships across departments, and supporting risk management and compliance efforts.

Additional Duties

• Representing the bank in community activities and supporting internal policies to ensure a harassment-free environment.

Work Environment & Benefits

Position based at Operations Center and various external locations. Benefits include PTO, holidays, health insurance, 401(k), wellness programs, stock options, and performance reviews. Salary range: $46,000 to $101,200. This is a salaried position, not eligible for overtime.

Equal Opportunity Statement

First United Bank & Trust is an Equal Opportunity Employer and maintains a drug-free workplace.