Senior Credit Analyst

We are a full-service community bank with branch locations in New York and New Jersey. Each day, Northfield Bank upholds our mission to be the financial institution of choice for individuals and businesses by delivering innovative products and exceptional customer service. Founded in 1887, the Bank has always been proud of being "locally grown," and credits our strength to our dedication to our customers and the communities that we serve. Job Title: Senior Credit Analyst Job Location: Woodbridge, NJ Job Status: Full Time General Description: Independently evaluate the creditworthiness and risk classification of commercial loan transactions presented for acquisition and renewal. Ensure that the credit decision is compliant with policy and all exceptions are identified. Make recommendations to management regarding the strengths and weaknesses of potential transactions. Document recommendations by preparing a formal underwriting consisting of a narrative report supported by quantitative analysis of financial and credit statements. Essential Functions: Preparation of a formal credit risk analysis and supporting financial spreadsheets for commercial real estate transactions, business loans, and construction projects. Independent evaluation and review of all pertinent credit and financial information, including audited, reviewed, compiled and management-prepared financial statements, tax returns, credit bureau reports, vendor and bank inquiries. Perform independent due diligence as necessary to appropriately vet all prospective individual and corporate entities. Ensure that the underwriting is policy compliant and that all policy exceptions and guidelines are identified and documented in the underwriting. Identify the strengths and weaknesses of all proposed credit transactions, and work with the loan officer to establish valid mitigants to weaknesses. Responsible to ensure that policy compliant approval levels are assigned to the underwriting and the appropriate signatures are obtained. Assign a proposed Risk Rating to the credit that is in compliance with Risk Rating Definitions. Present the credit request to management along with the loan officer. Prepare annual credit reviews and independently re-evaluate the Risk Rating of existing loans. Underwrite and present credit renewals and extensions. Participate in continued advanced specialized training to maintain the competency level required for a Subject Specialist. Interface with all levels of the organization, including Senior Management. Responsible for complying with all policies and guidelines, including BSA, anti-money laundering, government regulations and annual compliance training. Required: Regulatory Knowledge - Understands the applicable federal, state, local, and company-specific regulations, policies and guidelines affecting business practices Decision-Making - Able to make sound business decisions. Takes thoughtful approach when considering options. Seeks input from others, as appropriate. Willing to make difficult decisions. Accountability - Takes responsibility and ownership for decisions, actions and results. Follows through on commitments. Judgment - Possesses the ability to effectively perform the required functions of the job without being told every detail, to independently solve problems, and offer suggestions. Analytical Skills - Ability to take large volumes of data and then analyze trends an produce a result. Ability to breakdown complex problems into simpler, more manageable components. Ability to gather all information necessary to solve a problem, recognize underlying issues based on data and trends, and organize all relevant information to provide insight and ideas on how to draw appropriate conclusions that will help solve the problem. Technical Expertise - Demonstrates the ability to use current and new technology effectively and productively to meet job needs (e.g., computers). Continually updates skills and knowledge to meet position demands and requirements. Preferred: Dependability - Is considered reliable and consistently goes beyond the routine scope of the normal job duties. Maintains a high degree of flexibility. Continuous Learning - Pursues opportunities to develop self and improve skill level. Solicits feedback from supervisor and others and takes active measures to maximize potential. Is always working to advance their professional skill set. Recognizes additional work and/or job duties as an opportunity to grow professionally. Pay Range: $90,000-115,000 (For informational purposes only; offers will be made based on experience) Northfield Bank is an Equal Employment Opportunity Employer Minorities/Females/Protected Veterans/Individual with Disabilities/Sexual Orientation/Gender Identity