Manasquan Bank

Analyst

• Under general supervision and according to established policies and procedures, analyze new credit requests, renewals and annual reviews assigned by the Credit Manager.
• Develop and analyze credit information for commercial real estate loans, complex commercial & industrial loans and revolving & non-revolving construction loans.
• Regularly prepare credit presentations at the loan committee and board of directors approval level.
• Prepares regulatory reporting information with regard to loans and supports lenders with the analysis and administration of loans.
• Role may include decisioning credits in a limited capacity.
• Perform detailed financial analysis on business entities and interprets the financial information based on financial statements, tax returns and company prepared documents.
• Perform credit, personal financial statement and personal cash flow analysis on individuals and guarantors in order to determine financial strength and credit enhancements based on financial statements, tax returns and reports.
• Prepare credit presentations for new approvals, renewals and annual reviews based upon financial analysis for presentations to loan officers, loan committee and board.
• Regularly perform loan presentations to loan committee and board.
• Recommend specific loan structures to enhance credit quality.
• Accompany lenders on customer site visits and customer interviews.
• Contributes to team responsibility for insuring satisfactory audit, loan review and other asset quality metrics.
• Capacity to review and approve loans.

Senior Credit Analyst