Credit Analyst

Solve IT Strategies is looking for a Credit Analyst. This role is located at Lakewood, NJ. Onsite

The Main Responsibilities of a person are:

• Perform credit analysis to evaluate creditworthiness of individuals and businesses.
• Analyze data and evaluate the short and long-run prospects of the individual or business.
• Prepare necessary cash flow analysis to evaluate the ability of the individual and/or borrower to service the requested debt.
• Generate financial ratios to evaluate customer's financial status.
• Provide thorough documentation of all financial analysis work, including ratios and other related information.
• Prepare reports and make recommendations to appropriate personnel on the granting or denying of loans.
• Review individual and commercial customer files to identify and select delinquent accounts for evaluation.
• Prepare written compilation of analysis in the prescribed format for review and presentation.
• Manage and process multiple credit requests of varying degrees of complexity.
• Review, update, and evaluate existing loan customer relationships and credit files.
• Assemble, maintain, and review credit files to ensure all necessary information is in the file.
• Abide by the current laws and organizational policies and procedures designed and implemented to promote an environment free of harassment and illegal discriminatory behavior.

Qualifications:

• Minimum of 3 years' experience in commercial underwriting (with a focus on commercial real estate) or a minimum of 5 years banking experience (or related commercial real estate finance experience).
• Bachelor's degree in accounting, finance, or related field of study.
• Specialized bank lending education/training.
• SBA experience is preferred but not required.
• Intermediate commercial real estate underwriting skills and experience.
• Ability to manage a moderate workload on a consistent basis with limited oversight.
• Developed financial analysis skills.
• Thorough knowledge of current related obligations.