Credit Analyst

Anansys Staffing LLC; Teaneck Township (NJ); On-site; USD 70,000 - 95,000; Full time

Job summary

Anansys Staffing LLC in Teaneck, NJ is seeking a Credit Analyst to support the Lending team by analyzing financial data, loan documentation, and borrower risk profiles. You will report to the Chief Lending Officer and help ensure credit decisions are informed, compliant, and aligned with the bank's standards, with CRE clients as a secondary contact.

You are detail-oriented, analytical, and organized, with strong Excel skills and the ability to communicate clearly with colleagues and clients.

Qualifications

• Analyze financial data, leases, appraisals, and reports to assess creditworthiness.
• Prepare credit analysis packages and loan requests for loan committee.
• Review CRE loan documentation throughout the lifecycle, including annual reviews.
• Interpret financial statements and credit reports to inform decisions.
• Maintain compliance with lending policies and BSA/CIP procedures.

Responsibilities

• Gather, analyze, and interpret credit information and supporting documents.
• Prepare and present loan requests for Internal Loan Committee review.
• Monitor CRE loan documentation from inception through annual reviews.
• Assign and update credit risk ratings and track statements.
• Explain loan terms and collect necessary financial information from clients.

Skills

Credit analysis

Financial statements

Excel proficiency

Communication skills

Attention to detail

Education

Associate's degree or equivalent

Bachelor's degree in finance/accounting preferred

Tools

Lending software systems

Microsoft Word

Job description

As a Credit Analyst, you will play a critical role in supporting the Lending team by analyzing financial data, loan documentation, and risk profiles of current and prospective borrowers. Reporting to the Chief Lending Officer, you will ensure that credit decisions are informed, compliant, and aligned with the Bank's standards. This role provides an opportunity to interact with commercial real estate clients as a secondary point of contact, contributing directly to sound lending practices and strong client relationships.

Key Responsibilities

• Gather, analyze, and interpret credit information, leases, real estate appraisals, and investigative reports to assess creditworthiness of borrowers.
• Prepare comprehensive credit analysis packages and loan requests for review by the Internal Loan Committee.
• Review and monitor Commercial Real Estate Loan documentation at inception and throughout the loan lifecycle, including annual reviews.
• Assign and update credit risk ratings, ensuring timely tracking of reports, appraisals, and financial statements.
• Draft correspondence with clients to request financial information and support loan processing.
• Enter loan details into departmental systems, preparing recommendations for term sheets and loan offerings.
• Maintain compliance with all lending policies, regulatory requirements, and the Bank Secrecy Act/CIP procedures.

About The Candidate

You are detail-oriented, analytical, and highly organized. You enjoy working with financial data and take pride in accuracy and thoroughness. You balance technical expertise with strong communication skills, building trust with colleagues and clients alike. You thrive in a structured environment, adhering to regulatory standards while contributing to a client-focused lending process.

Knowledge, Skills And Experience

• Associate's degree or equivalent; bachelor's degree in finance, accounting, or related field preferred.
• Minimum of 2 years of banking experience with formal credit training.
• Strong knowledge of Microsoft Excel and Word; familiarity with lending software systems preferred.
• Excellent written and verbal communication skills.
• Ability to interpret financial statements, credit reports, and appraisal documentation.
• Strong organizational and time management skills with attention to detail.

Core Competencies

Manages Complexity

You make sense of complex and sometimes contradictory information, applying structured analysis to support sound credit decisions.

Financial Acumen

You use financial data and indicators to inform lending recommendations and ensure alignment with business goals.

Customer Focus

You build and maintain strong client relationships while delivering solutions that meet client and organizational needs.

Ensures Accountability

You take ownership of your work, ensuring accuracy, compliance, and timely completion of credit analyses.

Collaborates

You work effectively across teams, supporting colleagues and contributing to shared success.