Senior Commercial Credit Analyst | Underwriting & Risk

OceanFirst Bank; Toms River (NJ); On-site; USD 59,000 - 88,000; Full time

Benefits offered by this job

On-site fitness facility at Red Bank &

Employee perks & discount programs

Tuition assistance

Incentive compensation program

Professional development opportunities

Job summary

OceanFirst Bank seeks a qualified credit analyst to independently analyze moderate to complex commercial loan requests, assess credit risk, and prepare detailed summaries supporting risk ratings. You will underwrite loans, renewals, extensions, and modifications, while ensuring adherence to the Bank's policy and guidelines.

Responsibilities include evaluating borrower financials, industry conditions, collateral value, and guarantor strength; coordinating with senior staff and preparing loan

Qualifications

• Bachelor's degree in Business Administration, Finance, Accounting, or Economics.
• 2-5 years of experience in commercial credit lending with credit evaluation and underwriting.
• Proficiency with Microsoft Office and ability to analyze financial data.

Responsibilities

• Perform efficient and concise detailed analysis and quality underwriting loan proposals.
• Underwrite loans, renewals, extensions and modifications with recommended credit decisions.
• Assess borrower credit worthiness and review industry and economic conditions.
• Prepare in-depth loan packages and present to reviewers and Management Credit Committee.

Skills

Credit underwriting

Financial analysis

Industry research

Microsoft Excel

Education

Bachelor's degree in Business Administration, Finance, Accounting, or Economics

Tools

Microsoft Word

Microsoft Excel

Job description

OceanFirst Bank seeks a qualified credit analyst to independently analyze moderate to complex commercial loan requests, assess credit risk, and prepare detailed summaries supporting risk ratings. You will underwrite loans, renewals, extensions, and modifications, while ensuring adherence to the Bank's policy and guidelines.

Responsibilities include evaluating borrower financials, industry conditions, collateral value, and guarantor strength; coordinating with senior staff and preparing loan