Senior Credit Risk & Centralized Underwriting Lead

Atlantic Union Bank; Waldorf (MD); Hybrid; USD 120,000 - 165,000; Full time

Job summary

Atlantic Union Bank is seeking a senior Credit Risk Analyst in Waldorf, MD to manage and mitigate credit risk across loan portfolios. You will assess borrower creditworthiness, monitor exposures, and ensure policy compliance within regulatory frameworks.

Responsibilities include reviewing complex loan requests, structuring credit solutions, managing portfolio risk, and guiding junior staff while maintaining high standards of risk management and collaboration with Relationship Managers and credit

Qualifications

• Bachelor's Degree required; equivalent combination of education and experience may be considered
• Typically requires 6 - 8+ years prior experience, with deep knowledge of job area

Responsibilities

• Reviews complex business loan requests and performs independent credit analysis, including assessment of borrower financial condition, management, operations, loan structure, and overall credit risk
• Applies sound judgment to evaluate risk, structure credit solutions, and recommend, approve, or decline credit requests in accordance with established lending authority, credit policy, and business needs
• Manages an assigned portfolio through ongoing monitoring, risk rating, portfolio analysis, client credit solution development, and remediation of emerging credit concerns to maintain portfolio quality
• Partners with Relationship Managers, sales teams, and credit leadership to support business objectives, resolve complex credit matters, and ensure timely completion of loan requests and portfolio management activities
• Provides subject matter expertise, guidance, and review support to less experienced credit professionals, including credit evaluations, loan decisions, and approval concurrence as appropriate
• Maintains compliance with applicable laws, regulations, policies, procedures, and required training while staying current on regulatory and credit-related developments

Skills

Credit risk analysis

Portfolio management

Regulatory compliance

Credit structuring

Education

Bachelor's degree

Job description

Atlantic Union Bank is seeking a senior Credit Risk Analyst in Waldorf, MD to manage and mitigate credit risk across loan portfolios. You will assess borrower creditworthiness, monitor exposures, and ensure policy compliance within regulatory frameworks.

Responsibilities include reviewing complex loan requests, structuring credit solutions, managing portfolio risk, and guiding junior staff while maintaining high standards of risk management and collaboration with Relationship Managers and credit