AVP/Senior Commercial Credit Analyst

Kearny Bank • Fairfield, NJ

2d

About The Position

This position supports underwriting and risk assessment for new and existing commercial credit relationships. The Senior Commercial Credit Analyst analyzes financial information, evaluates credit risk, and prepares comprehensive credit memoranda in accordance with Bank policies and procedures. The role works with lenders and internal partners to identify credit risks, evaluate repayment capacity, and provide analysis and recommendations to support credit decisions.

The position requires a high school diploma or equivalent and at least four years of commercial credit analysis or commercial loan underwriting experience. A bachelor’s degree in finance, business, or a related field is preferred. The successful candidate must be legally authorized to work in the U.S. on the first day of work; the Bank does not sponsor visas or work authorization.

This role involves routine office activities such as typing, reading, computer work, filing, copying, and telephone use. It may also require standing, stooping, kneeling, crouching, and lifting. Regular attendance and punctuality are essential. Reasonable accommodation may be made for qualified individuals with disabilities to perform essential functions. The compensation range is $90,000 to $130,000 annually.

Requirements

• High school diploma or equivalent required.
• At least 4 years of commercial credit analysis or commercial loan underwriting experience required.
• Strong knowledge of commercial credit analysis, financial statement analysis, and cash flow analysis.
• Proficiency in Microsoft Office Suite required.
• Strong analytical, problem-solving, and decision-making skills.
• Strong attention to detail.
• Excellent written and verbal communication skills.
• Must be legally authorized to work in the U.S. on the first day of work; the Bank will not sponsor a visa or work authorization.

Nice To Haves

• Bachelor’s degree in finance, business, or a related field preferred.
• Experience with construction loan underwriting preferred.
• Experience with not-for-profit lending preferred.

Responsibilities

• Prepare comprehensive credit memoranda for new and existing commercial credit relationships, analyzing financial condition, repayment capacity, credit risk, and other relevant factors.
• Analyze borrower and guarantor financial statements, tax returns, cash flow, and other financial information; calculate relevant financial ratios to evaluate creditworthiness and repayment capacity.
• Obtain and review applicable credit, collateral, and other due diligence information needed for underwriting.
• Identify credit weaknesses, policy exceptions, and other concerns; escalate non-standard matters as appropriate.
• Review financial information for existing commercial credit relationships and support ongoing assessment of borrower performance and credit risk.
• Complete credit analysis and prepare recommendations for submission to the appropriate approval authority.
• Collaborate with lenders to obtain information, address credit-related questions, and communicate the status of credit analysis and underwriting requirements.
• Maintain accurate and complete credit analysis documentation and prepare assigned credit-related reports.
• Monitor financial performance and risk indicators for assigned commercial credit relationships and identify changes or trends requiring additional review or escalation.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: High school or GED