Credit Analyst – To $80K – East Brunswick, NJ – Job # 3532

Who We Are

The Symicor Group is a boutique talent acquisition firm based in Schaumburg, IL & Rockport, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent. In fact, most of our recruiters are former bankers or accountants themselves!

We know how to evaluate the very best banking and accounting talent available in the market. Whether you are a candidate seeking a new opportunity or a bank or company president trying to fill an essential position, The Symicor Group stands ready to deliver premium results for you.

The Position

Our community bank client is seeking to fill a Credit Analyst role in the East Brunswick, IL market. The successful candidate will be responsible for analyzing credit and financial reports to determine the bank’s risk for extending credit and making loans.  The credit analyst is responsible for scrutinizing financial data such as income growth, market share and business management quality, for potential clients.

The position includes a generous salary of up to $80K plus incentives and an excellent benefits program.

(This is not a remote position)

Credit Analyst responsibilities include:

• Bachelor’s degree in business, finance, accounting or economics field.
• At least three years of experience in a credit analyst role.
• At least three years of experience in commercial lending environment (C &I, CRE, etc.)
• Perform process presentation for commercial real estate loans, annual reviews and relationship reviews for new and existing portfolio; based on historical data, projections and appraisals.
• Utilize corporate financial statements, personal financial statement, tax returns, operating statements and rent roll in for loan underwriting, complying with credit policy standards.
• Prepare risk rating forms in conjunction with presentations and annual reviews.
• Conduct financial analysis cash flow, debt service coverage and loan to value details for perspective business.
• Articulate final potential loan details to lenders, internal loan committee, and management with rationale to support lending decisions.
• Conduct industry and market analysis to identify issues.
• Conduct 3rd party verification via background, credit and bank due diligence guidelines.

• Understanding of Special Assets/Adversely rated credit.  Will be involved as needed.

Who Are You?

You’re someone who wants to influence your own development. You’re looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future.

You also bring the following skills and experience:

• At least three years’ experience as a banking financial analyst in the field of commercial and industry lending, commercial real estate and relationship underwriting.
• Knowledge in spreading, reviewing and interpreting business and personal tax returns and financial statements (in the financial spreading program).
• Knowledge of 3rd party reports – commercial/residential appraisals, absorption analysis, environmental reports and credit bureau reports.
• Job requires strict attention to details and thoroughness in the completion of job duties.
• Job requires strong interpersonal skills and excellent communication skills (both written and verbal).
• Understanding lending compliance principles and guidelines to comply with internal credit policy and procedures.
• Job requires a high level of coordination, organization, planning and prioritization of work, and management of one’s own time.
•  Ability to multitask, use logic and reasoning to identify strengths and weaknesses of alternative approaches and solutions to problems.
• Develop constructive and cooperative relationships with teams and lending officers.

The next step is yours. Email us your current resume along with the position you are considering to:

resumes@symicorgroup.com