Unity Bank · 5 months ago
Credit Analyst II
Clinton, NJ
Full-time
Onsite
Mid Level
$83K/yr - $108K/yr
3+ years expUnity Bank is responsible for providing commercial loans and is seeking a Credit Analyst II to analyze applicants' requests for loans. The role involves assessing various factors of loan requests, preparing credit proposals, and ensuring risk management through appropriate credit terms.
BankingFinancial Services
Responsibilities
Analyze customer financial condition
Assist with loan packages from the time it enters underwriting until the approval is complete and file is sent to the closing department
Make a credit recommendation based on credit findings
Assist relationship managers with loan committee presentations
Minimize risk by establishing appropriate credit terms and conditions
Analyze paying habits of customers who are delinquent in payment of bills and recommends action
Provide excellent customer service and develop relationships with internal/external customers, vendors and COI's
Participate in department projects and take an active role in cross-functional teams to assist in driving quality improvements, processes, and initiatives
Actively participates in and communicates with members of the credit administration and other bank departments
Complete loan write-ups for new loans and renewals
Order reports such as Credit Bureau reports, appraisals, environmental reports, and D&B's
Complete memos for changes in approvals and other pertinent issues
Prepare commitment letters for newly approved loans
Be a mentor to level 1 credit analysts
Participate in process improvement projects
Qualification
Required
Bachelor's degree in accounting, finance, business, or related field, or equivalent years of relevant work experience in credit administration
Three - five years of experience in a financial institution's commercial loan department
Job requires strict attention to details and thoroughness in the completion of job duties
Job requires thorough analysis of information and use of logic to address complexity of data and information
Intermediate knowledge of credit underwriting concepts
Fundamental knowledge of accounting, finance, and economic principals
Excellent oral and written communication skills
Excellent computer skills in a Microsoft Windows environment including proficiency in Microsoft Word, Excel, Outlook and PowerPoint
High reasoning skills including the ability to define problems, collect data, establish facts, and draw valid conclusions
Ability to read, analyze, and interpret financial statements, collateral, cash flow, projections, personal financial statements, tax returns, and varying balance sheet and income statement ratios
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to apply concepts of basic algebra
Ability to read, analyze, and interpret legal documents, governmental regulations, and professional publications
Ability to effectively present information and respond to inquiries from groups of managers, employees, vendors, government agents, and the general public
Ability to write reports and business correspondence
Ability to work independently with little supervision
Ability to sit for long periods of time up to 75% of work hours
Ability to use hands to grasp, handle, or feel
Ability to use computer keyboard and system to enter data and process information
Ability to talk, hear, and see
Ability to use telephone to communicate with customers and employees
Ability to use office equipment such as teller scanner, personal computer, telephone, Blackberry, copier, fax machine, adding machine, etc
Ability to lift up to 20 lbs. at least 10% of work hours
Preferred
Credit trained preferred
Knowledge of the SBA program preferred
Company
Unity Bank
Unity Bank provides financial services to retail and business customers through our branches located in Hunterdon, Middlesex.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
James Hughes
President & CEO
George Boyan
Chief Financial Officer
Recent News
2026-01-14
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