Senior Credit Analyst

5 days ago

Woodbridge, New Jersey, United States Northfield Bank Full time $80,000 - $120,000 per year

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.

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