VP, Credit Risk Manager (Senior Credit Analyst) at United Trust Bank LLC

Alpharetta, Georgia, United States -

Full Time

Start Date

Immediate

Expiry Date

02 Apr, 26

Salary

0.0

Posted On

02 Jan, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Risk Management, Financial Analysis, Regulatory Compliance, Portfolio Monitoring, Communication, Attention to Detail, Problem Solving, Sageworks, Microsoft Excel, Loan Structuring, Risk Rating, Data Analysis, Team Collaboration, AI Tools, Documentation

Industry

Banking

Description

Exempt: – Full-Time, Employee is expected to complete a minimum of 40 hours for the work week with flexible working hours as long as deadlines are met as expected. Location: - Hybrid, Employee may work remotely at home as long as duties and responsibilities are met. Reporting to the Alpharetta, GA office and able to work out of this location. Reports to: Chief Credit Officer Position Summary The Senior Credit Analyst is a critical contributor to United Trust Bank’s commercial credit and risk-governance framework. This role supports safe, sound, and profitable loan growth across UTB’s expanding geographic footprint by delivering high-quality credit analysis, consistent risk ratings, and adherence to the Bank’s Policies and OCC regulatory expectations. The Senior Credit Analyst partners closely with Relationship Managers (Lenders), Other Credit Officers, and Executive Leadership to structure, underwrite, and monitor commercial credit relationships within UTB’s risk appetite. This role supports UTB’s strategic initiatives, including scaling the Commercial Lending Division, creating a private-banking relationship model, growing participation (sale) lending for larger relationships, and the bank’s long-term vision for AI-assisted underwriting. Essential Duties & Responsibilities 1. Regulatory-Compliant Underwriting & Credit Analysis * 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. 1. Understand “the why” behind the trends, no elevator analysis. 2. Consider creating a “list of questions to the borrower” as you spread the financial information and use this information in your analysis. 3. Become proficient in Sageworks software 4. 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. 1. 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. 1. Understanding how to complete the Bank’s Loan Approval Forms in a consistent format and professional manner, with Microsoft Word and Excel 2. Attention to details is critical to this position 3. Proofreading work before submission for review & approval 4. 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. 5. Be resourceful to find solutions to your questions. 6. 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. 2. Portfolio Monitoring, Risk Rating, & Early Warning * 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. 3. Risk-Governance & Policy Adherence * 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. 4. Strategic Collaboration & Deal Structure Understanding * 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 5. Reporting, Governance, Authority & Audit Support * 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. Core Competencies * Sound Credit Judgment – Demonstrates ability to assess risk vs. reward in line with UTB’s risk appetite. * Regulatory Awareness – Understands OCC credit standards, safety-and-soundness principles, and emerging banking risks. * Technical Proficiency – Ability to leverage Sageworks, Excel modeling, AI tools, and industry platforms. * Professional Skepticism – Challenges assumptions, borrower narratives, and incomplete information. * Communication Excellence – Produces regulator-ready credit memos and communicates clearly with lenders. * Portfolio Stewardship – Thinks like a risk manager, not a loan processor. Preferred Skills & Competencies * 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. Physical & Work Environment Requirements * Ability to review large volumes of financial documents for extended periods. * Occasional travel for site visits, inspections, and borrower meetings. * Ability to work in a fast-paced, deadline-driven environment. * Ability to focus and pay attention to details over extended periods of time. Performance Metrics * Accuracy of risk ratings. No risk rating downgrades by any third-party reviewer. * Timeliness and quality of underwriting. * Identifying Exceptions to Policy. * Financial Exception resolution performance. * Portfolio performance within UTB Board-approved risk limits. * Completing Annual Reviews Timely * Quality of monitoring and early-warning identification. * Examination readiness and audit outcomes. * Handling of Special Assigned Projects * Timely completion of bank’s required annual continuing education classes assigned by bank Management. Monday - Friday 40 plus

Responsibilities

The Senior Credit Analyst is responsible for performing comprehensive credit analysis and ensuring adherence to regulatory and bank policies. This role involves monitoring borrower performance and collaborating with Relationship Managers to structure credit solutions.