27 days old

Commercial Credit Analyst

Manasquan Bank
Wall, NJ 08736
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Under general supervision and according to established policies and procedures analyze new credit requests, renewals and loan reviews assigned by the Credit Manager. Develop and analyze credit information for CRE, C&I, construction and small business loans, prepare credit presentations for loan officers, loan committee and board. Prepares regulatory reporting information with regard to loans, orders proper documentation and searches and supports lenders with the analysis and administration of loans.


Perform detailed financial analysis on business entities and interprets the financial information based on financial statements, tax returns and company prepared documents.

Accounting, financing, traditional cash flow, UCA and property analysis knowledge.

Perform credit, personal financial statement and personal cash flow analysis on individuals and guarantors in order to determine financial strength and credit enhancements based on financial statements, tax returns and reports.

Prepare credit presentations for new approvals, renewals and reviews based upon financial analysis for presentations to loan officers, loan committee and board.

Assist with presentations of loans to loan committee and board.

Prepare and maintain accurate loan records, regulatory reporting information and necessary searches.

Recommend specific loan structures to enhance credit quality.

Accompany lenders on customer site visits and customer interviews.

Maintain accurate knowledge of MB credit, practices and regulatory policies to assist bank in compliance.


Bachelors degree in Business Administration, Finance, Accounting, Economics or equivalent work background and experience.

Minimum one year credit analysis or equivalent financial analysis experience required.

Strong analytical skills including the ability to read and assess individual and company financial statements, tax returns, cash flow, industry and competitive analysis and projections.

Strong background in commercial and small business underwriting and lending.

Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner with minimal direction.

Strong written and verbal skills

Strong problem recognition and resolution skills

Ability to work independently and within a team

Working knowledge of all commercial products and services.

Assist in monitoring construction loans.

Proficient in various spreadsheet and Word processing applications


Office environment. Sitting for long periods of time. Daily use of wrists, hands, and fingers to use computer and telephone. Ability to hear and speak clearly for gathering and giving simple to complex information.

Disclaimer: This information describes the general nature and level of work performed by employees in this job. The description is not designed to be a comprehensive inventory of all duties, responsibilities, and qualifications required of employees in this job. Reasonable accommodation may be made to qualified, disabled individuals for the performance of essential duties and responsibilities.


Posted: 2021-04-09 Expires: 2021-05-10

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Commercial Credit Analyst

Manasquan Bank
Wall, NJ 08736

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