Senior Credit Analyst

1 week ago

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

Key Responsibilities for the Senior Credit Analyst:

  • In-office role requiring a reliable commute.
  • A minimum of three (3) to five (5) years of experience in commercial credit assessment, particularly in commercial real estate and commercial & industrial lending is essential. Experience with SBA and non-profit lending is advantageous.
  • A Bachelor's degree in Accounting, Finance, or a related discipline is mandatory.
  • Completion of specialized training in bank lending is required.
  • Intermediate to advanced skills in commercial real estate credit evaluation.
  • Proficient in:
    • English language skills (reading, writing, grammar, and mathematics)
    • Effective interpersonal communication
    • Strong organizational capabilities
    • PC proficiency, including Microsoft Office, with the ability to learn specific financial software.
  • Capacity to manage a moderate workload consistently with minimal supervision.
  • Strong attention to detail.
  • Ability to perform under strict deadlines.
  • Well-developed financial analysis skills.
  • Comprehensive understanding of current financial obligations.
  • Capability to train and mentor new personnel in Credit Administration.

We provide the following excellent benefits to our full-time employees:

  • Medical coverage
  • Dental coverage
  • Vision coverage
  • Employer-paid life insurance
  • 401(k) matching program
  • Paid Time Off (PTO)
  • Paid Federal Bank holidays
  • Employer-paid long-term disability insurance
  • Flexible spending accounts
  • Health savings accounts with employer contributions
  • Employee discount programs through LifeMart

Core Duties:

  • Receive applications and associated financial data from prospective and existing borrowing clients, including tax returns, financial statements, credit reports, and lender investigation sheets.
  • Analyze financial data to assess the short- and long-term viability of individuals or businesses; evaluate the risk associated with extending credit or lending funds; assist in determining the likelihood of borrowers meeting their financial commitments.
  • Ensure all credit analysis activities adhere to established lending policies.
  • Prepare necessary cash flow analyses to assess the ability of individuals or businesses to service requested debts.
  • Generate financial ratios to evaluate the financial health of clients.
  • Document all financial analysis comprehensively, including ratios and related information; prepare reports suitable for presentation to the appropriate approving authority.
  • May recommend to management the structuring of credits and the approval or denial of loans; prepare sufficient documentation to support recommendations.
  • Evaluate customer records and suggest repayment options based on cash flow, earnings, savings data, payment history, and purchasing activity.
  • Review individual and commercial customer files to identify delinquent accounts for collection.
  • Compare liquidity, profitability, and credit histories of evaluated establishments with similar entities in the same industries and regions.
  • Assess data from various third-party reports and documents, such as appraisals, environmental assessments, and lease agreements.
  • Compile written analyses in the prescribed format for review and presentation.
  • Collaborate with credit associations and other business representatives to exchange credit information.
  • Consult with clients to verify financial and credit transactions; address customer inquiries and complaints.
  • Manage and process multiple credit requests of varying complexities consistently.
  • Review and evaluate existing loan customer relationships and credit files to determine ongoing creditworthiness; prepare written recommendations with adequate support for credit file documentation or risk rating adjustments.
  • Assemble, maintain, and review credit files to ensure all necessary information is present and properly documented.
  • Train new personnel in credit administration as necessary.

First Commerce Bank is committed to delivering high-quality products and services to individuals, businesses, and communities in our markets, accompanied by superior customer service. We provide our offerings through secure, user-friendly technology and accessible locations. Our relationships are built on a foundation of responsiveness to our customers' financial needs, characterized by personal attention, professionalism, trust, integrity, and fairness.

First Commerce Bank is an Equal Opportunity Employer. All qualified applicants are considered for employment without regard to race, color, religion, sex, age, disability, protected veteran status, national origin, sexual orientation, gender identity or expression, genetic information, or any other characteristic protected by applicable law.

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