Credit Underwriter/Analyst
Uwharrie Bank Albemarle, NC Commensurate with experience


Responsible for underwriting, review and evaluation of consumer and commercial loans, with emphasis on commercial loans.  Works closely with other credit analysts and reviews and completes financial spreads to evaluate the credit worthiness and quality of a loan request, and to ensure analyses are performed in a timely and accurate manner.  Also responsible for the review and evaluation of large credit relationships by preparing extensive and comprehensive loan reviews.  Participates in Credit Committee by gathering, reviewing and preparing required reporting and presentation of loan reviews.  Participates with lenders in making joint customer calls to ensure a thorough understanding and knowledge of the business, and provides consultative support to lending staff to aide in making sound credit decisions, underwriting decisions, aide in structuring loans, assisting with credit issues, etc.        General Qualifications       Knowledge:  A four-year degree in business, finance or accounting, or equivalent experience, is required.   Formal credit and/or underwriting training from a financial institution are highly preferred.       Experience: A minimum of five years experience in a banking or financial institution, with emphasis on lending and/or credit administration.  Experience in commercial credit underwriting, analysis and/or commercial lending, is required.   Training and experience in reviewing residential and commercial appraisals is a plus.       Skills:  Position requires general accounting knowledge, solid analytical and underwriting skills, ability to manage time, prioritize and organize tasks, and work within defined timeframes.  Requires excellent interpersonal skills, work with various internal and external contacts, and written and oral communication skills.  Must be proficient with personal computer and knowledgeable of various software applications.       Scope of Decisions:  Position requires solid independent judgment, discretion and reasoning on a daily basis to perform sound underwriting, structuring and assessment of credit requests.  Will assist in the development and mentoring of credit analysts to ensure improved performance and profitability, and employee retention.   May also act in a consultative capacity with lending staff, as required.  



ADA Requirements:   Requires, vision, hearing, speech, concentration, learning, thinking, interaction with others, the ability to exercise self-control and the ability to multi-task under specific timelines.  
Uwharrie Bank is an EEO employer - M/F/Vets/Disabled
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