This list contains only the countries for which job offers have been published in the selected language (e.g., in the French version, only job offers written in French are displayed, and in the English version, only those in English).
We are looking for an experienced Sr. Credit Analyst to join our team in Piscataway, New Jersey. In this position, you will play a key role in assessing the creditworthiness of commercial loan transactions and ensuring compliance with company policies. This role requires a strong analytical mindset and the ability to work independently while collaborating with various levels of management.
Job Responsibility:
Perform thorough analyses of commercial lending transactions, including new deals and renewals, to assess the financial standing and risk profile
Draft comprehensive credit assessment documents that incorporate both narrative insights and data-driven evaluation of financial and credit records
Complete independent verifications on both individual and business applicants to ensure reliable credit evaluation
Maintain strict adherence to established credit assessment guidelines, and accurately note any deviations
Work in partnership with lending staff to highlight positive and negative aspects of lending opportunities and propose risk mitigation solutions
Assign risk levels to credit accounts according to set standards, ensuring that all necessary authorizations are obtained
Present credit proposals to leadership together with lending staff, making well-supported recommendations
Periodically re-evaluate outstanding loans through annual reviews to verify risk classification and policy compliance
Manage documentation and submission of requests related to the continuation or amendment of credit agreements
Engage in ongoing professional development to stay current in advanced credit analysis methodologies
Requirements:
Demonstrated background in evaluating credit risk across sectors such as commercial properties, business lending, and construction finance
Deep understanding of how to review and interpret various types of financial reports, including those prepared by auditors, external reviewers, or internal management
Experience in working with information from credit reporting agencies, tax documentation, and communications with financial institutions or vendors
Capability to conduct thorough research and independently evaluate the financial standing of both business and individual clients
Skilled in assigning risk levels and assuring adherence to institutional guidelines
Strong communication abilities, with a track record in creating detailed analysis reports and effectively presenting recommendations