Senior Credit Analyst

6 days ago


Lakewood, New Jersey, United States First Commerce Bank Full time
Job Overview

The Senior Credit Analyst is responsible for analyzing data and evaluating the financial health of potential borrowers to determine the degree of risk involved in extending credit or lending money.

Key Responsibilities
  • Analyze financial data, including tax returns, financial statements, and credit reports, to evaluate the short- and long-run prospects of individual or business borrowers.
  • Evaluate the ability of borrowers to meet their financial obligations on an ongoing basis.
  • Determine the likelihood of borrower repayment based on cash flow, earnings, savings data, payment history, and purchase activity.
  • Review individual and commercial customer files to identify and select delinquent accounts for collection.
Requirements
  • Bachelor's degree in Accounting, Finance, or a related field.
  • Minimum 3-5 years of commercial credit underwriting experience, including commercial real estate and C&I lending-related experience.
  • Intermediate to advanced commercial real estate underwriting skills and experience.
  • Proficient in English (reading, writing, grammar, and mathematics), interpersonal relations, communication, organizational skills, and PC skills.
Benefits
  • Medical, dental, and vision benefits.
  • Life insurance (employer-paid).
  • 401(k) matching.
  • PTO (Paid Time Off).
  • Paid Federal Bank holidays.
  • LTD insurance (employer-paid).
  • Flexible spending account.
  • Health savings account (employer contribution).
  • LifeMart (employee discount programs).

Estimated Salary: $80,000 - $110,000 per year, depending on location and experience.

About Us

First Commerce Bank is a leading financial institution dedicated to providing high-quality products and services with superior customer service. We prioritize responsiveness to the financial needs of our customers in an atmosphere of personal attention, professionalism, trust, integrity, and fairness.



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