Sr. Commercial Credit Analyst

United Trust Bank LLC•Alpharetta, GA

2d•Hybrid

About The Position

The Senior Credit Analyst plays a key role in supporting safe, sound, and profitable commercial loan growth across United Trust Bank’s expanding footprint. This position partners closely with Relationship Managers and Credit Leadership to structure, underwrite, and monitor commercial credit relationships in alignment with UTB’s risk appetite, Credit Policy, and OCC regulatory standards.

Requirements

Bachelor’s degree in Finance, Accounting, Business, or related field
5+ years of commercial credit analysis experience
Must have prior banking experience (community or regional bank preferred)
Strong knowledge of commercial underwriting and regulatory expectations
Strong commercial credit analysis and writing skills
Deep understanding of regulatory and safety-and-soundness principles
High attention to detail and sound credit judgment
Proficiency in Sageworks and Microsoft Office
Ability to thrive in a fast-paced, growth-oriented environment
prior banking experience

Responsibilities

Perform comprehensive underwriting for C&I, CRE, SBA, ABL, and specialized lending products
Analyze financial statements, global cash flow, DSCR, leverage, liquidity, and collateral coverage
Prepare clear, regulator-ready credit approval packages and risk ratings
Identify policy exceptions and recommend mitigation strategies
Monitor portfolio performance, covenant compliance, and emerging risks
Support stress testing, concentration analysis, and watch-list management
Ensure compliance with regulatory requirements (Reg H, Reg O, HVCRE, legal lending limits, appraisal standards)
Assist with internal/external loan reviews and OCC examinations
Partner with lenders to structure sound, customer-focused credit solutions
Support participation lending and strategic credit initiatives