Job Title: Credit Analyst

Department: Lending

FLSA Status: Non-Exempt

Reports to: Lending Manager (May vary)

Full/Part Time Status: Full-Time

Work Location: Fort Lee, NJ

Travel Requirement: 0-10%

[ Education ]

[ Responsibilities & Duties ]

Loan Processing:

• Collect necessary documents from clients and maintain well organized credit files.
• Spread financial statements or tax returns to generate relevant ratios including DCRs under the supervision of a portfolio manager.
• Assist in loan closing and funding including obtaining signatures on loan documents according to the Bank’s procedures.
• Prepare credit memos that are simple or with minor complexity; and present credit memos to appropriate lending authority for approval.

Loan Maintenance/Monitoring:

• Monitor loan covenants and conditions per loan agreements and report violations to portfolio managers or relationship managers.
• Prepare simple credit memos to report covenant/condition violations and to approve modifications and to make cash secured loans.
• Process daily line advances for lines of credit and follow up on expired insurance policies.
• Prepare various internal reports and payments such as LAR, monthly G/L certification, and invoices.
• Conduct site visits and on-site interviews under the supervision of a portfolio manager.

Compliance:

• Comply with regulatory requirements including Reg B, HMDA, Bank Secrecy Act, OFAC, and USA Patriot Act, CRA, Privacy, and Security.
• Comply with the Bank’s security program, including but not limited to:
  • Review and comply with the End-User Computing Agreement.
  • Acquire good knowledge on functions and usage of computer systems as related to the assigned job functions.
  • Be current and knowledgeable in industry’s trend in safeguarding the Bank against confidential data leak, identity theft, fraudulent activities, and computer security threats.
  • Reports suspicious activities to manager, Chief Risk Officer or Information Security Officer.

Other Responsibilities:

• Provide administrative support to loan officers, portfolio managers, relationship managers.
• Seek opportunities to grow relationship with customers.
• Participate in community organizations and/or events to help the Bank meet its CRA Objectives.
• Assume additional duties as requested

Job Qualifications/Requirements

• Required: Excellent written and oral communication skills.
• Required: Excellent presentation skills.
• Required: Ability to respond effectively to the most sensitive inquiries or customer complaints.

[Physical Demands]

Lifting/Carrying

Under 10 lbs.: Rarely (Less than 1 hour per week)

11-20 lbs.: Rarely (Less than 1 hour per week)                                                                                                                 

Pushing/Pulling

Under 10 lbs.: Rarely (Less than 1 hour per week)

11-20 lbs.: Rarely (Less than 1 hour per week)

Twisting/Turning

Reach over shoulder: Rarely (Less than 1 hour per week)

Reach over head: Rarely (Less than 1 hour per week)

Reach outward: Rarely (Less than 1 hour per week)

Climb: Rarely (Less than 1 hour per week)

Crawl: Rarely (Less than 1 hour per week)

Kneel: Rarely (Less than 1 hour per week)

Squat: Rarely (Less than 1 hour per week)

Sit: Constant (Over 66% of the time)                                                                                                                              

Walk-Normal Surfaces: Frequent (34% - 66% of the time)

Walk-Uneven Surfaces: Rarely (Less than 1 hour per week)

Walk-Slippery Surfaces: Rarely (Less than 1 hour per week)

Stand: Frequent (34% - 66% of the time)

Bend: Occasional (1% - 33% of the time)

Driving

Automatic Trans: Occasional (1% - 33% of the time)

Standard Trans: Occasional (1% - 33% of the time)

Other

Keyboard/Ten Key: Constant (Over 66% of the time)

Fingering (fine dexterity): Occasional (1% - 33% of the time)

Handling (grasping, holding): Occasional (1% - 33% of the time)

Repetitive Motion – Hands: Occasional (1% - 33% of the time)

Repetitive Motion – Feet: Occasional (1% - 33% of the time)

Link to Apply:

https://recruiting.ultipro.com/NAR1001NARB/JobBoard/13f4ecf9-2db0-40b8-bfc7-d831c72b6e32/Opportunity/OpportunityDetail?opportunityId=bc6e8c65-8f9e-45f6-8e53-33245d620984