Credit Analyst – CRE & Lending

Bogota Savings Bank; Teaneck Township (NJ); On-site; USD 65,000 - 100,000; Full time

Benefits offered by this job

Health, Dental, Vision

401k with match

Insurance package (AD&D, STD, LTD, GTL

Voluntary Life Insurance

13 Holidays, 15 PTO

Job summary

Bogota Savings Bank is seeking a Credit Analyst in New Jersey to support the Lending team by analyzing financial data, loan documents, and risk profiles of borrowers. You will report to the Chief Lending Officer and help ensure credit decisions are informed, compliant, and aligned with bank standards.

You will interact with commercial real estate clients as a secondary contact, contributing to sound lending practices and strong client relationships.

Qualifications

• 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.

Responsibilities

• Gather and interpret credit information, leases, appraisals, and reports to assess borrower creditworthiness.
• Prepare comprehensive credit analysis packages and loan requests for Internal Loan Committee review.
• Review and monitor CRE loan documentation from inception through the loan lifecycle.
• Assign and update credit risk ratings and track relevant reports and statements.
• Draft client correspondence to request financial information and support loan processing.
• Enter loan details into departmental systems and prepare term sheets for offerings.
• Maintain compliance with lending policies and regulatory requirements including BSA/CIP.

Skills

Credit analysis

Financial data interpretation

Microsoft Excel

Microsoft Word

Attention to detail

Communication skills

Regulatory compliance

Education

Associate’s degree or equivalent

Bachelor’s degree in finance, accounting, or related field preferred

Tools

Lending software systems

Job description

Bogota Savings Bank is seeking a Credit Analyst in New Jersey to support the Lending team by analyzing financial data, loan documents, and risk profiles of borrowers. You will report to the Chief Lending Officer and help ensure credit decisions are informed, compliant, and aligned with bank standards.

You will interact with commercial real estate clients as a secondary contact, contributing to sound lending practices and strong client relationships.