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Job Title: Credit Analyst II
Location: Lakewood, New Jersey
Position Overview:
The Credit Analyst II is responsible for performing credit analysis to evaluate the creditworthiness of individuals and businesses for commercial loan requests. The role requires working as part of an underwriting team within the credit department and complying with operating policies and procedures established for the credit analysis function.
Basic Qualifications:
Education/Training: Bachelor’s degree in Accounting, Finance, or a related field. Specialized bank lending education/training is required.
Skills:
- Intermediate commercial real estate underwriting skills and experience
- Proficient in English (reading, writing, grammar) and mathematics
- Ability to manage a moderate workload consistently with limited oversight
- Attention to detail and ability to work under strict time requirements
- Proficient interpersonal relations, communication, and organizational skills
- Developed financial analysis skills
- Proficient in PC skills, including Microsoft Office, and ability to learn specific financial software
- Thorough knowledge of current related regulations
Experience:
- Minimum of three years of commercial credit underwriting experience focusing on commercial real estate, or
- Minimum of five years of banking experience or related commercial real estate finance experience
- SBA experience is preferred but not required
General Responsibilities:
- Perform credit analysis to evaluate the creditworthiness of individuals and businesses
- Comply with operating policies and procedures established for credit analysis
- Timely communication with appropriate personnel
- Maintain appropriate records and provide assigned reports
Essential Duties:
- Receive applications and related financial data on prospective and active borrowing accounts
- Analyze data and evaluate the short- and long-run prospects of individuals or businesses
- Ensure all credit analysis activities are conducted per the prescribed lending policy
- Prepare necessary cash flow analysis and generate financial ratios
- Document all financial analysis work thoroughly
- Make recommendations on the granting or denying of loans
- Evaluate customer records and recommend repayment options
- Review customer files to identify and select delinquent accounts for evaluation and action
- Prepare written compilations of analysis for review and presentation
- Confer with credit associations and other business representatives to exchange credit information
- Consult with customers to verify financial and credit transactions
- Manage and process multiple credit requests of varying complexity
- Review, update, and evaluate existing loan customer relationships
Ancillary Duties:
- Perform tasks supportive of the essential functions of the job
Equipment/Machines:
- Telephone
- PC/Computer keyboard
- Printer
- Copy machine
- Fax machine
- Scanner
- Calculator
