Job description

Please note: this is not a remote-based role.*
About Manasquan Bank*
Incorporated in 1874, Manasquan Bank has been providing a heightened level of community banking services paralleled by none. The bank offers a full suite of commercial, residential and consumer services to meet the needs of the community. Commercial loan services include real estate financing, commercial and industrial financing, and small business lending options.
Join our team at Manasquan Bank, we are confident that you will find our company a dynamic and rewarding place in which to work and we look forward to a productive and successful association. We offer a competitive salary and benefits program, including comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.
Manasquan Bank is committed to promoting a work environment that gives the employees the opportunity to excel in their jobs and to provide the best client service in the industry. We respect, value, and reward excellence. The character and strength of our Bank is our people.
Career Opportunity Overview
The Credit Analyst is responsible for reviewing financial information and constructing approvals for new credit requests and loan renewals assigned by the Credit Manager. The requests include CRE, C&I and small business loans with preparation of materials needed for credit decisions for officers and Board. This position contributes and provides input on loan structure and decision with an evaluation of credit risk and other key factors that supports the commercial credit department with sound recommendations that add value to the bank’s risk objectives.
ESSENTIAL DUTIES & RESPONSIBILITIES

• Performs detailed financial analysis needed to make credit decisions; Contributes and provides input to group for loan decisions with evaluation of credit risk factors and supports lending team with recommendations and solutions.
• Prepares credit information and presentation in accordance with bank guidelines and procedures and ensures performance quality, consistency, and timeliness for the completion of information.
• Manage time and workflow to complete supportive financial analysis; may manage as well as create, develop, and introduce commercial and credit initiatives.
• Consults to business lines regarding credit issues, processes, or structures.
• Works with lending to address policy exceptions and mitigating factors for approving officer, regulators, and auditors.
• Coordinates with lenders to obtain complete financial information and associated documentation to accurately underwrite loan requests and grade credit risk in accordance with bank policy and guidelines.
• May accompany lenders on customer site visits and customer interviews.
• Maintain accurate knowledge of credit, practices, and regulatory policies to assist bank in compliance.
• Maintain accurate tickler systems regarding financial information and loan covenants.
• Manage activities to accurately maintain quantifiable service level standards against business performance.
• Ensure timeliness of information and efficiency in process and workflow.
• Maintain confidentiality of credit and customer information at all times.
• May lead and mentor less senior credit analysts.
• Other responsibilities as assigned.

JOB SPECIFICATIONS

• Strong analytical skills
• Strong understanding of commercial business techniques and credit
• Demonstrates credit and financial analysis skills
• Working knowledge of commercial products and services
• Demonstrates PC skills
• Ability to maintain and report on confidential information in an appropriate manner
• Ability to manage time, resources, and set priorities to accomplish multiple duties
• Ability to problem solve and troubleshoot technical issues in real time
• Ability to work independently and within a team
• Ability to interface with multiple departments and personnel at various levels
• Ability to communicate clearly and accurately in both verbal and written form
• Effective organizational, planning, and detail oriented

EXPERIENCE & EDUCATION

• Bachelor’s degree or equivalent experience
• Minimum one (1) year related experience

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WORKING CONDITIONS & PHYSICAL REQUIREMENTS: * Working conditions are those of an “open” office environment, which can require the ability to manage some stress such as noise level from clients, employees, and general office equipment, etc. 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 10lbs

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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.

Job Type: Full-time

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