Job Description
We are urgently seeking a detail-oriented Senior Credit Analyst to join our dynamic finance team in Jersey City, NJ. This critical role requires sharp analytical skills and deep financial acumen to evaluate creditworthiness and mitigate risk for our growing portfolio of commercial clients. You'll collaborate with cross-functional teams while driving data-driven decisions that impact our bottom line.
Our ideal candidate thrives in fast-paced environments and possesses 3+ years of hands-on credit analysis experience. We offer competitive compensation, comprehensive benefits, and opportunities for career advancement within a forward-thinking organization.
Responsibilities
- Analyze financial statements, cash flows, and industry trends to assess borrower creditworthiness
- Prepare detailed credit memos and risk assessments for loan approval committees
- Monitor existing portfolios for early warning signs of potential default
- Collaborate with relationship managers to structure optimal financing solutions
- Stay current on regulatory compliance (FDIC, OCC, BSA/AML) and internal policies
- Develop risk mitigation strategies for complex commercial transactions
- Present findings to senior leadership with clear, actionable recommendations
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 3+ years of commercial credit analysis experience in banking/lending
- Proficiency in credit risk software (e.g., Moody's RiskCal, Moody's Analytics)
- Advanced Excel skills with financial modeling expertise
- Credit certification (CRCM, CCE) strongly preferred
- Strong understanding of GAAP and financial statement analysis
- Exceptional attention to detail and problem-solving abilities
- Ability to manage competing priorities in deadline-driven environments