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Manasquan Bank · 2 days ago

Credit Analyst

Landmark ADMIN, Wall, NJ, US

Full-time

Onsite

Mid Level

$65K/yr - $85K/yr

3+ years exp

Manasquan Bank is seeking a Credit Analyst to join their team. The role involves analyzing new credit requests, renewals, and loan reviews, preparing credit presentations, and ensuring compliance with regulatory reporting. The analyst will also support lenders in the administration of loans and maintain accurate loan records.

BankingFinancial Services

Responsibilities

Perform detailed financial analysis on business entities and interprets the financial information based on financial statements, tax returns and company prepared documents

Accounting, financing, traditional cash flow, UCA and property operating analysis knowledge

Perform credit, personal financial statement and personal cash flow analysis on individuals and guarantors in order to determine financial strength and credit enhancements based on financial statements, tax returns and reports

Prepare credit presentations for new approvals, renewals and reviews based upon financial analysis for presentations to loan officers, loan committee and board

Assist with presentations of loans to loan committee and board

Prepare and maintain accurate loan records, regulatory reporting information and necessary searches

Recommend specific loan structures to enhance credit quality

Accompany lenders on customer site visits and customer interviews

Contributes to team responsibility for insuring satisfactory audit, loan review and other asset quality metrics

Maintain accurate knowledge of MB credit, practices and regulatory policies to assist bank in compliance

Qualification

Credit analysisFinancial analysisCommercial underwritingRegulatory complianceSpreadsheet proficiencyOrganizational skillsWritten communicationVerbal communicationProblem-solvingTeamwork

Required

Strong analytical skills with the ability to read and assess individual and company financial statements, tax returns, cash flow, industry and competitive analysis and projections

Strong background in commercial and small business underwriting and lending

Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner with minimal direction

Strong written and verbal skills

Strong problem recognition and resolution skills

Ability to work independently and within a team

Working knowledge of all commercial products and services

Proficient in various spreadsheet and word processing applications

High level of commitment to exceptional service and client relationship development for internal and external clients

Align and embrace Manasquan Bank's pillar core values including, engagement, quality, innovation, and relevance and sustainability

Compliance with all required enterprise-wide trainings to keep current on regulatory and industry trends

Bachelor's degree in business administration, finance, accounting, economics or equivalent work background and experience

Minimum three years' experience in credit analysis or equivalent financial analysis experience required