Manasquan Bank
Commercial Lending Credit Analyst
Manasquan Bank
Primary Purpose 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 commercial real estate (CRE), commercial & industrial (C&I), construction, and small business loans, prepare credit presentations for loan officers, loan committee, and board. Prepare regulatory reporting information related to loans, order proper documentation, search, and support lenders with the analysis and administration of loans.
NOTE: This is not a remote-based role. Salary Range $65,000 - $85,000 annually.
Schedule Full‑time; Monday – Friday; 37.5‑hour work week, 8:30 AM – 5:00 PM.
Essential Duties & Responsibilities
Perform detailed financial analysis on business entities and interpret the financial information based on financial statements, tax returns, and company‑prepared documents.
Apply accounting, financing, traditional cash flow, UCA, and property operating analysis knowledge.
Conduct credit, personal financial statement, and personal cash flow analysis on individuals and guarantors to determine financial strength and credit enhancements.
Prepare credit presentations for new approvals, renewals, and reviews based upon financial analysis for 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.
Contribute to team responsibility for ensuring satisfactory audit, loan review, and other asset quality metrics.
Maintain accurate knowledge of MB credit practices and regulatory policies to assist the bank in compliance.
Job Requirements
Strong analytical skills with 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 ability to complete assignments in a timely manner with minimal direction.
Strong written and verbal communication skills.
Strong problem recognition and resolution skills.
Ability to work independently and within a team.
Working knowledge of all commercial products and services.
Proficient in various spreadsheet and word‑processing applications.
High level of commitment to exceptional service and client‑relationship development for internal and external clients.
Align and embrace Manasquan Bank’s core values: engagement, quality, innovation, relevance, and sustainability.
Compliance with all required enterprise‑wide trainings to stay current on regulatory and industry trends.
Experience & Education
Bachelor’s degree in business administration, finance, accounting, economics, or equivalent work background and experience.
Minimum three years’ experience in credit analysis or equivalent financial analysis experience required.
Total Rewards
Benefits: medical, dental, vision, life insurance, 401(k), PTO and FSA.
Compensation: market competitive salaries and annual merit increase and bonus program.
Perks: 11 paid holidays, integrated Amazon recognition platform, CREW Cares paid volunteering, professional development opportunities and monthly engagement events.
Differentiators: tuition reimbursement, student loan repayment, Calm app, and pet benefits.
Working Conditions & Physical Requirements Working conditions are those of an “open” office environment, which may require the ability to manage some stress such as noise level from clients, employees, and general office equipment. Ability to work remotely in a secure, private, and noise‑free environment. Daily use of wrists, hands, and fingers: to use computer, telephone, fax, copier, and general office equipment Ability to hear and speak clearly for gathering simple to complex information from both clients and co‑workers. Sitting for extended periods of time (up to 8 hours), standing, and walking up to 20% of work time. Ability to bend and lift boxes and bags, up to approximately 10 lbs.
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.
Seniority Level Mid‑Senior level
Employment Type Full‑time
Job Function Finance and Sales
Industries Banking
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Primary Purpose 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 commercial real estate (CRE), commercial & industrial (C&I), construction, and small business loans, prepare credit presentations for loan officers, loan committee, and board. Prepare regulatory reporting information related to loans, order proper documentation, search, and support lenders with the analysis and administration of loans.
NOTE: This is not a remote-based role. Salary Range $65,000 - $85,000 annually.
Schedule Full‑time; Monday – Friday; 37.5‑hour work week, 8:30 AM – 5:00 PM.
Essential Duties & Responsibilities
Perform detailed financial analysis on business entities and interpret the financial information based on financial statements, tax returns, and company‑prepared documents.
Apply accounting, financing, traditional cash flow, UCA, and property operating analysis knowledge.
Conduct credit, personal financial statement, and personal cash flow analysis on individuals and guarantors to determine financial strength and credit enhancements.
Prepare credit presentations for new approvals, renewals, and reviews based upon financial analysis for 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.
Contribute to team responsibility for ensuring satisfactory audit, loan review, and other asset quality metrics.
Maintain accurate knowledge of MB credit practices and regulatory policies to assist the bank in compliance.
Job Requirements
Strong analytical skills with 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 ability to complete assignments in a timely manner with minimal direction.
Strong written and verbal communication skills.
Strong problem recognition and resolution skills.
Ability to work independently and within a team.
Working knowledge of all commercial products and services.
Proficient in various spreadsheet and word‑processing applications.
High level of commitment to exceptional service and client‑relationship development for internal and external clients.
Align and embrace Manasquan Bank’s core values: engagement, quality, innovation, relevance, and sustainability.
Compliance with all required enterprise‑wide trainings to stay current on regulatory and industry trends.
Experience & Education
Bachelor’s degree in business administration, finance, accounting, economics, or equivalent work background and experience.
Minimum three years’ experience in credit analysis or equivalent financial analysis experience required.
Total Rewards
Benefits: medical, dental, vision, life insurance, 401(k), PTO and FSA.
Compensation: market competitive salaries and annual merit increase and bonus program.
Perks: 11 paid holidays, integrated Amazon recognition platform, CREW Cares paid volunteering, professional development opportunities and monthly engagement events.
Differentiators: tuition reimbursement, student loan repayment, Calm app, and pet benefits.
Working Conditions & Physical Requirements Working conditions are those of an “open” office environment, which may require the ability to manage some stress such as noise level from clients, employees, and general office equipment. Ability to work remotely in a secure, private, and noise‑free environment. Daily use of wrists, hands, and fingers: to use computer, telephone, fax, copier, and general office equipment Ability to hear and speak clearly for gathering simple to complex information from both clients and co‑workers. Sitting for extended periods of time (up to 8 hours), standing, and walking up to 20% of work time. Ability to bend and lift boxes and bags, up to approximately 10 lbs.
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.
Seniority Level Mid‑Senior level
Employment Type Full‑time
Job Function Finance and Sales
Industries Banking
#J-18808-Ljbffr