Credit Analyst
United Community Bank
full-time
Posted on:
Location Type: Office
Location: Columbia • South Carolina • 🇺🇸 United States
Visit company websiteSalary
💰 $42,061 - $64,465 per year
Job Level
JuniorMid-Level
About the role
- Assess creditworthiness for end-user and vendor applications.
- Apply Navitas’ credit guidelines to approve or decline transactions.
- Recommend decisions on items outside your authority.
- Optimize processes to improve speed and quality.
- Evaluate credit risk by analyzing financial statements, tax returns, personal credit reports, D&B reports, and other third-party sources.
- Partner with sales to answer questions, obtain missing information, and provide clear justification for credit decisions.
- Improve processes by identifying efficiency opportunities and recommending enhancements.
- Deliver on deadlines by prioritizing workload and completing assignments on time.
Requirements
- Bachelor’s degree preferred, or 1–2 years of related experience/training, or an equivalent combination of education and experience.
- Prior experience in the equipment leasing or loan industry is strongly preferred.
- Proficiency with Excel, Adobe Acrobat, and Microsoft Office.
- Strong mathematical skills and the ability to synthesize complex or diverse information.
- Able to research, interpret, and evaluate financial statements, tax returns, credit reports, and D&B data.
- Demonstrates skillful, timely issue resolution; comfortable gathering and analyzing information to support decisions.
- Exceptionally organized, detail-oriented, and capable of managing multiple priorities under tight deadlines.
- Applies general guidelines to non-standard circumstances and can reason effectively across varied situations.
- Excellent written and verbal communication skills, including the ability to deliver negative information to external customers professionally and constructively.
- Able to perform effectively under pressure and handle demands from both internal teams and external customers.
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
credit assessmentfinancial statement analysistax return evaluationcredit report analysisD&B report analysismathematical skillsprocess optimizationissue resolutioninformation synthesis
Soft skills
organizational skillsdetail-orientedtime managementcommunication skillsproblem-solvingability to work under pressureprioritizationcollaborationadaptability