Uwharrie Bank is a $1B community bank, headquartered in Albemarle NC.  We are seeking a Commercial Credit Underwriter/Analyst to join our Credit Administration team.  

This position is responsible for the underwriting, review and evaluation of consumer and commercial loans and 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.  Other responsibiliteis include the review and evaluation of large credit relationships by preparing extensive and comprehensive loan reviews, participating in Credit Committee by gathering, reviewing and preparing required reporting and presentation of loan reviews, and participating with lenders in making joint customer calls to ensure a thorough understanding and knowledge of the business, and providingconsultative 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 commercial credit and/or underwriting training, from a financial institution is highly preferred.

Experience: A minimum of five years experience in a banking or financial institution, with emphasis on commercial lending and/or credit administration.  Additional experience in commercial credit underwriting, analysis or commercial lending experience, 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.  Assists 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.

This position is located in Albemarle NC and is not a remote position. 

Interested applicants should apply by June 10, 2025.