VP, Credit Risk Manager (Senior Credit Analyst)

About the position 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. Responsibilities • Regulatory-Compliant Underwriting & Credit Analysis • Portfolio Monitoring, Risk Rating, & Early Warning • Risk-Governance & Policy Adherence • Strategic Collaboration & Deal Structure Understanding • Reporting, Governance, Authority & Audit Support Requirements • 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. • 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. Nice-to-haves • 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. Apply tot his job Apply To this Job