Credit analyst jobs in Franklin, NJ - 85 jobs

Integrated Resources, Inc., is led by a seasoned team with combined decades in the industry. We deliver strategic workforce solutions that help you manage your talent and business more efficiently and effectively. Since launching in 1996, IRI has attracted, assembled and retained key employees who are experts in their fields. This has helped us expand into new sectors and steadily grow. Job Description Position: Credit Analyst Location: Newark NJ Duration: 2 Years Key Duties • Implement corporate credit policy and procedures and perform credit reviews for solar loan program commercial applicants. • Evaluate credit proposals and applications, conduct due diligence and make written credit recommendations to management. • Establish and maintain contact with clients throughout the due diligence process to obtain/provide information and advice, conduct interviews and relay information regarding the process and organization's requirements • Review and analyze financial statements, credit ratings, financial models, both for existing clients and on new solar financing opportunities • Identify structural risks and mitigates in prospective transactions and recommend enhancements and structuring of deals and covenants in line with policies and procedures. • Assist in documenting new financing transactions. • Responsible for monitoring of borrowers' financial condition to determine collateral requirements as required by the loan agreement. • Recommend enhancements to credit procedures in line with Board of Public Utilities approved Board Order. • Assist in the identification and analysis of potential business transactions and assist in the preparation of presentations/pitches • Ensure compliance with program policies and procedures and SOX controls. • Maintain and apply working knowledge of organization Standards for Business Controls and meet management's expectations for effective internal business controls. • Provide support for special projects and other functions as requested. Essential Qualifications: • Bachelor Degree in business or finance or equivalent experience • Minimum 3 years financial analysis and/or credit experience • Project finance experience/knowledge • Strong technical, computational and quantitative skills • Ability to make decisions and proactively resolve borrower issues. • Understanding of financial statements, corporate finance theories and practices, credit and risk principles, accounting, economics and statistics as well as strong research skills. • Excellent analytical ability including demonstrated knowledge of valuation techniques and practices, including cash flow analysis • Ability to build, review and maintain complex cash flow forecasting models with an excellent understanding of lending financial concepts and ratios • Excellent interpersonal, presentation, oral and written communication skills and an ability to explain complicated financial concepts to all levels, including clients and senior management • Comfortable interacting with and managing relationships with clients' senior management during loan due diligence and portfolio monitoring. • Demonstrated job commitment including a willingness to work under deadlines in a high-volume, fast-paced, results-driven environment with flexibility and adaptability in order to meet client requirements • Proven ability to pay close attention to detail, multi-task and work collaboratively within a team under tight deadlines • Well-developed organizational and time management skills in order to respond to shifting priorities on several simultaneous projects • Proficiency in Microsoft Word, Excel and PowerPoint. • Candidate must foster an inclusive work environment and respect all aspects of diversity Desired Qualifications: • Previous US power and renewables experience • C.P.A., C.F.A, MBA or other related Masters degree • Prior investment/corporate banking work experience • 3 years + of Project Finance experience/knowledge. • Understanding of New Jersey's solar energy market and familiarity with local utility solar financing programs. Additional Information All your information will be kept confidential according to EEO guidelines.

• Obtain and analyze credit data and financial statements of new and existing customers to determine credit worthiness, rate credit risk and recommend the level of credit extension. • Determine the necessity of corporate guarantees and letters of credit • Monitor the Accounts Receivable portfolio to identify cash flow opportunities and overdue balances and contact the outstanding customers to pursue payment. • Evaluate credit profiles to identify changes in financial and payment trends, communicate findings to credit management and recommend corrective action • Contribute to the preparation of management financial reporting for use in credit evaluations Qualifications • Bachelors Degree • 3-5 years experience in commercial credit. • Strong financial statement analytical skills • Manufacturing experience • High level of proficiency in Excel and SAP Additional Information $65K plus bonus

The Bank of Princeton has exciting career opportunities! Our goal to hire and retain talented people with engaging personalities and strong work ethics. We believe in recognizing and rewarding employees who consistently perform at a high level. As a Bank, we believe in investing in the right places. Especially when it comes to our employees. Our assets are our people. The Bank of Princeton has programs to help our employees grow in the community we serve. If you are a creative thinker interested in career growth, development and exceeding customer expectations, I am looking for you. We are always seeking top talent in Credit Administration as a Credit Analyst/Underwriter. The ideal candidate should have three or more years of experience in Commercial Lending preparing full and complete underwriting packages for commercial real estate and business loan requests, including but not limited to credit, financial, risk and market analysis. Must be able to analyze personal financial statement, corporate financial statements, federal tax returns, and other financial reports as required by specific loan request. Compensation includes a base salary commensurate with experience, excellent benefits including 401K, healthcare and a host of others. The Bank is expanding not only in New Jersey, New York and in Philadelphia and is one of the fastest growing institutions in New Jersey. It is noted as one of the top 50 fastest growing companies in NJ. The Bank of Princeton is an Equal Employment Opportunity/Affirmative Action Employer - Minorities/Females/Protected Veterans/Disabled/Sexual Orientation.

We are a full-service community bank with branch locations in New York and New Jersey. Each day, Northfield Bank upholds our mission to be the financial institution of choice for individuals and businesses by delivering innovative products and exceptional customer service. Founded in 1887, the Bank has always been proud of being "locally grown," and credits our strength to our dedication to our customers and the communities that we serve. Job Title: Senior Credit Analyst Job Location: Woodbridge, NJ Job Status: Full Time General Description: Independently evaluate the creditworthiness and risk classification of commercial loan transactions presented for acquisition and renewal. Ensure that the credit decision is compliant with policy and all exceptions are identified. Make recommendations to management regarding the strengths and weaknesses of potential transactions. Document recommendations by preparing a formal underwriting consisting of a narrative report supported by quantitative analysis of financial and credit statements. Essential Functions: * Preparation of a formal credit risk analysis and supporting financial spreadsheets for commercial real estate transactions, business loans, and construction projects. * Independent evaluation and review of all pertinent credit and financial information, including audited, reviewed, compiled and management-prepared financial statements, tax returns, credit bureau reports, vendor and bank inquiries. * Perform independent due diligence as necessary to appropriately vet all prospective individual and corporate entities. * Ensure that the underwriting is policy compliant and that all policy exceptions and guidelines are identified and documented in the underwriting. * Identify the strengths and weaknesses of all proposed credit transactions, and work with the loan officer to establish valid mitigants to weaknesses. * Responsible to ensure that policy compliant approval levels are assigned to the underwriting and the appropriate signatures are obtained. * Assign a proposed Risk Rating to the credit that is in compliance with Risk Rating Definitions. * Present the credit request to management along with the loan officer. * Prepare annual credit reviews and independently re-evaluate the Risk Rating of existing loans. * Underwrite and present credit renewals and extensions. * Participate in continued advanced specialized training to maintain the competency level required for a Subject Specialist. * Interface with all levels of the organization, including Senior Management. * Responsible for complying with all policies and guidelines, including BSA, anti-money laundering, government regulations and annual compliance training. Required: * Regulatory Knowledge - Understands the applicable federal, state, local, and company-specific regulations, policies and guidelines affecting business practices * Decision-Making - Able to make sound business decisions. Takes thoughtful approach when considering options. Seeks input from others, as appropriate. Willing to make difficult decisions. * Accountability - Takes responsibility and ownership for decisions, actions and results. Follows through on commitments. * Judgment - Possesses the ability to effectively perform the required functions of the job without being told every detail, to independently solve problems, and offer suggestions. * Analytical Skills - Ability to take large volumes of data and then analyze trends an produce a result. Ability to breakdown complex problems into simpler, more manageable components. Ability to gather all information necessary to solve a problem, recognize underlying issues based on data and trends, and organize all relevant information to provide insight and ideas on how to draw appropriate conclusions that will help solve the problem. * Technical Expertise - Demonstrates the ability to use current and new technology effectively and productively to meet job needs (e.g., computers). Continually updates skills and knowledge to meet position demands and requirements. Preferred: * Dependability - Is considered reliable and consistently goes beyond the routine scope of the normal job duties. Maintains a high degree of flexibility. * Continuous Learning - Pursues opportunities to develop self and improve skill level. Solicits feedback from supervisor and others and takes active measures to maximize potential. Is always working to advance their professional skill set. Recognizes additional work and/or job duties as an opportunity to grow professionally. Pay Range: $90,000-115,000 (For informational purposes only; offers will be made based on experience) Northfield Bank is an Equal Employment Opportunity Employer Minorities/Females/Protected Veterans/Individual with Disabilities/Sexual Orientation/Gender Identity

The Senior SBA Credit Analyst / Underwriter is responsible for evaluating and underwriting SBA loan applications in accordance with the SBA Standard Operating Procedures (SOP) and Ready Capital's credit policy. This role requires advanced credit analysis capabilities, strong technical writing, and effective communication skills to support sound credit decisions and ensure compliance with SBA guidelines. Key Responsibilities: Credit Analysis & Underwriting Conduct thorough financial analysis of business and personal financial statements, tax returns, and cash flow projections. Assess borrower creditworthiness, repayment capacity, and collateral adequacy. Prepare a detailed credit memo with well-supported recommendations. SBA SOP Compliance Ensure all underwriting activities align with current SBA SOP requirements. Stay updated on changes to SBA policies and communicate implications to relevant stakeholders. Collaborate with RCL's closing teams to ensure documentation accuracy. Technical Writing Draft clear, concise, and comprehensive credit memos and risk assessments. Document underwriting decisions and rationale in a professional and audit-ready format. Communication & Collaboration Present credit findings to loan committees and senior management. Communicate effectively with BDOs, borrowers, internal customers and third-party professionals to gather necessary information. Provide mentorship and guidance to junior underwriters as needed. Qualifications: Bachelor's degree in Finance, Accounting, Economics, or related field Minimum 4 years of experience in SBA credit analysis Deep understanding of SBA 7(a) programs and SOP requirements. Strong analytical skills and proficiency in financial modeling. Excellent written and verbal communication skills. Ability to work in a high volume environment Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is frequently required to stand and walk. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 15 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually quiet

DSV - Global transport and logistics In 1976, ten independent hauliers joined forces and founded DSV in Denmark. Since then, DSV has evolved to become the world's 3rd largest supplier of global solutions within transport and logistics. Today, we add value to our customers' entire supply chain by transporting, storing, packaging, re-packaging, processing and clearing all types of goods. We work every day from our many offices in more than 80 countries to ensure a steady supply of goods to production lines, outlets, stores and consumers all over the world. Our reach is global yet our presence is local and close to our customers. Read more at *********** Location: USA - Iselin, Wood Ave Division: Air & Sea Job Posting Title: Assistant Credit Controller, Credit Specialist Time Type: Full Time * This is an in-office position, not remote* AR Credit Specialist The position of Credit Specialist works as a member of the credit team located in Iselin NJ. The primary responsibility will be to compile customer credit information which is submitted to our credit insurance company to conduct credit investigations to determine risk. The incumbent will work closely with all entities of DSV, supporting all of North America. This candidate will understand external credit agency reports, such as Dun & Bradstreet and Credit Risk Monitor. This position reports to the Supervisor of Credit. Responsibilities: Receive, review, and submit to management Customer Profile Request Form from customers seeking credit approval or uplift in credit. Assist in preparation and submission of the monthly premium insurance declarations through the Atradius website. Conduct credit investigations and analyze diverse credit information based on internal and external credit sources. Work proactively to ensure customers do not exceed their credit limit. Prepare internal and detailed Credit Agreement Forms to determine internal risk where insurance has not been secured.Communicate with business and sales teams during customer application/review process. Provide management with comprehensive summary gathered factors as they pertain to credit risk. Ad hoc projects, as needed. Skills/Qualifications: Three years of progressively responsible experience in Credit Department preferred. Must demonstrate knowledge of Microsoft Excel, particularly V- Lookup/Pivots/Formulas. Understanding of D&B and Experian Credit Report data for B2B credit decisions preferred. Understanding of the factors that go into making credit decisions. Must have the ability to communicate effectively verbally and in writing. Must have excellent analytical skills and pay attention to details. Must maintain a high level of confidentiality and exercise independent judgment and analysis. Must present a professional, business‑like manner and excellent customer service skills. SAP experience preferred. For this position, the expected base pay range is $22.50 - $30.50 hourly. Actual compensation will be determined based on job-related factors, including relevant experience, skills, education or certifications, and geographic location, consistent with applicable laws and company policy. DSV offers a comprehensive benefits program designed to support the health and well-being of employees and their families. Benefits include medical, prescription, dental, vision, and life insurance, as well as flexible spending accounts (FSAs), health savings accounts (HSAs) (for eligible plans), and short- and long-term disability coverage. Employees also have access to wellness resources, Employee Assistance Program (EAP) services, and other support benefits. Financial benefits include participation in the DSV 401(k) plan, which provides company matching contributions of up to 5%. To support work-life balance, DSV offers various paid time off programs and paid company holidays. Specific PTO and leave programs may vary by location and division in accordance with state or local laws DSV does not accept unsolicited agency resumes. Please do not forward unsolicited resumes to our website, employees, or Human Resources. DSV will not be responsible for any agency fees associated with unsolicited resumes. Unsolicited resumes received will be considered property of DSV and will be processed accordingly without fees. DSV is an equal employment opportunity employer. Candidates are considered for employment without regard to race, creed, color, national origin, age, sex, religion, ancestry, disability, veteran status, marital status, gender identity, sexual orientation, national origin, or any other characteristic protected by applicable federal, state or local law. If you require special assistance or accommodation while seeking employment with DSV, please contact Human Resources at *************. If you are interested in learning the status of your application, please note you will be contacted directly by the appropriate human resources contact person if you are selected for further consideration. DSV reserves the right to defer or close a vacancy at any time. DSV - Global transport and logistics Working at DSV means playing in a different league. As a global leader in transport and logistics, we have been on an extraordinary journey of growth. Let's grow together as we continue to innovate, digitalise and build on our achievements. With close to 160,000 colleagues in over 90 countries, we work every day to offer solid services and meet our customers' needs and help them achieve their goals. We know that the best way to achieve this is by bringing in new talent, fresh perspectives and ambitious individuals like you. At DSV, performance is in our DNA. We don't just work - we aim to shape the future of logistics. This ambition fuels a dynamic environment built on collaboration with world-class team players, accountability and action. We value inclusivity, embrace different cultures and respect the dignity and rights of every individual. If you want to make an impact, be trusted by customers and grow your career in a forward-thinking company - this is the place to be. Start here. Go anywhere Visit dsv.com and follow us on LinkedIn and Facebook. open/close Print Share on Twitter Share on LinkedIn Send by email

We are a full-service community bank with branch locations in New York and New Jersey. Each day, Northfield Bank upholds our mission to be the financial institution of choice for individuals and businesses by delivering innovative products and exceptional customer service. Founded in 1887, the Bank has always been proud of being “locally grown,” and credits our strength to our dedication to our customers and the communities that we serve. Job Title: Senior Credit Analyst Job Location: Woodbridge, NJ Job Status: Full Time General Description: Independently evaluate the creditworthiness and risk classification of commercial loan transactions presented for acquisition and renewal. Ensure that the credit decision is compliant with policy and all exceptions are identified. Make recommendations to management regarding the strengths and weaknesses of potential transactions. Document recommendations by preparing a formal underwriting consisting of a narrative report supported by quantitative analysis of financial and credit statements. Essential Functions: Preparation of a formal credit risk analysis and supporting financial spreadsheets for commercial real estate transactions, business loans, and construction projects. Independent evaluation and review of all pertinent credit and financial information, including audited, reviewed, compiled and management-prepared financial statements, tax returns, credit bureau reports, vendor and bank inquiries. Perform independent due diligence as necessary to appropriately vet all prospective individual and corporate entities. Ensure that the underwriting is policy compliant and that all policy exceptions and guidelines are identified and documented in the underwriting. Identify the strengths and weaknesses of all proposed credit transactions, and work with the loan officer to establish valid mitigants to weaknesses. Responsible to ensure that policy compliant approval levels are assigned to the underwriting and the appropriate signatures are obtained. Assign a proposed Risk Rating to the credit that is in compliance with Risk Rating Definitions. Present the credit request to management along with the loan officer. Prepare annual credit reviews and independently re-evaluate the Risk Rating of existing loans. Underwrite and present credit renewals and extensions. Participate in continued advanced specialized training to maintain the competency level required for a Subject Specialist. Interface with all levels of the organization, including Senior Management. Responsible for complying with all policies and guidelines, including BSA, anti-money laundering, government regulations and annual compliance training. Required: Regulatory Knowledge - Understands the applicable federal, state, local, and company-specific regulations, policies and guidelines affecting business practices Decision-Making - Able to make sound business decisions. Takes thoughtful approach when considering options. Seeks input from others, as appropriate. Willing to make difficult decisions. Accountability - Takes responsibility and ownership for decisions, actions and results. Follows through on commitments. Judgment - Possesses the ability to effectively perform the required functions of the job without being told every detail, to independently solve problems, and offer suggestions. Analytical Skills - Ability to take large volumes of data and then analyze trends an produce a result. Ability to breakdown complex problems into simpler, more manageable components. Ability to gather all information necessary to solve a problem, recognize underlying issues based on data and trends, and organize all relevant information to provide insight and ideas on how to draw appropriate conclusions that will help solve the problem. Technical Expertise - Demonstrates the ability to use current and new technology effectively and productively to meet job needs (e.g., computers). Continually updates skills and knowledge to meet position demands and requirements. Preferred: Dependability - Is considered reliable and consistently goes beyond the routine scope of the normal job duties. Maintains a high degree of flexibility. Continuous Learning - Pursues opportunities to develop self and improve skill level. Solicits feedback from supervisor and others and takes active measures to maximize potential. Is always working to advance their professional skill set. Recognizes additional work and/or job duties as an opportunity to grow professionally. Pay Range: $90,000-115,000 (For informational purposes only; offers will be made based on experience) Northfield Bank is an Equal Employment Opportunity EmployerMinorities/Females/Protected Veterans/Individual with Disabilities/Sexual Orientation/Gender Identity

The Senior Credit Manager is responsible for leading the organization's credit and collections strategy across multiple business units. This role ensures strong credit controls, minimizes bad debt exposure, and aligns credit policies with overall business objectives. The position also serves as a key business partner to Sales, Finance, and Executive Leadership. Why This Opportunity Stands Out Executive-level visibility and direct impact on company financial performance Lead and develop a high-performing credit and collections team Work cross-functionally with Sales, Finance, and Operations Influence credit policy, risk strategy, and customer portfolio health Join a stable, performance-driven organization with long-term growth opportunities Key Responsibilities of Senior Credit Manager: Oversee the credit and collections function across multiple business operations Develop, implement, and enforce strong credit policies to minimize risk and bad debt Maintain delinquency at or below targeted thresholds (overall overdue target: 2.0%) Direct credit approval decisions, including setting customer credit limits Lead collection strategies and resolve high-risk or complex delinquent accounts Recommend and manage bad debt write-offs and submission of accounts to external collection agencies Monitor trends through data analysis and benchmarking against industry peers Prepare and present monthly reporting to leadership on credit performance, A/R health, reserves, and risk exposure Act as a strategic partner to Sales and Business Unit leaders, balancing revenue growth with prudent credit risk management Drive process improvements, workflow efficiencies, and system enhancements Develop and deliver ongoing training for the credit team on compliance, risk management, and best practices Leadership & Team Management Directly manage a team of eight (8) employees, including three (3) Team Leads Foster a high-performance culture through coaching, performance management, and professional development Qualifications of Senior Credit Manager: 10+ years of progressive experience in credit and collections Background in commercial credit, preferably within a manufacturing or industrial environment Bachelor's degree in Finance, Accounting, Business, or a related field In-depth knowledge of U.S. Bankruptcy Law, bankruptcy procedures, and credit risk exposure Proven expertise in credit risk assessment, collections strategy, and financial analysis Strong leadership, communication, and cross-functional collaboration skills #LI-SM1 #INDEC2025

Responsible for the quantitative and qualitative analysis of applicants' requests for commercial loans. The incumbent will assess the character, capacity, capital, collateral, and conditions of loan requests and will prepare the credit proposal packages recommending the appropriate product and loan structure to manage credit risk. Essential Functions Analyze customer financial condition. Assist with loan packages from the time it enters underwriting until the approval is complete and file is sent to the closing department. Make a credit recommendation based on credit findings. Assist relationship managers with loan committee presentations. Minimize risk by establishing appropriate credit terms and conditions. Analyze paying habits of customers who are delinquent in payment of bills and recommends action. Provide excellent customer service and develop relationships with internal/external customers, vendors and COI's. Participate in department projects and take an active role in cross-functional teams to assist in driving quality improvements, processes, and initiatives. Actively participates in and communicates with members of the credit administration and other bank departments. Complete loan write-ups for new loans and renewals. Order reports such as Credit Bureau reports, appraisals, environmental reports, and D&B's. Complete memos for changes in approvals and other pertinent issues. Prepare commitment letters for newly approved loans. Be a mentor to level 1 credit analysts. Additional Functions Participate in process improvement projects. Job Requirements and Qualifications Job requires strict attention to details and thoroughness in the completion of job duties. Job requires thorough analysis of information and use of logic to address complexity of date and information. Education and Experience Bachelor's degree in accounting, finance, business, or related field, or equivalent years of relevant work experience in credit administration. Three - five years of experience in a financial institution's commercial loan department. Credit trained preferred Licenses and Certifications N/A Knowledge, Skills, and Abilities Intermediate knowledge of credit underwriting concepts. Knowledge of the SBA program preferred Fundamental knowledge of accounting, finance, and economic principals. Excellent oral and written communication skills. Excellent computer skills in a Microsoft Windows environment including proficiency in Microsoft Word, Excel, Outlook and PowerPoint. High reasoning skills including the ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to read, analyze, and interpret financial statements, collateral, cash flow, projections, personal financial statements, tax returns, and varying balance sheet and income statement ratios. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to apply concepts of basic algebra. Ability to read, analyze, and interpret legal documents, governmental regulations, and professional publications. Ability to effectively present information and respond to inquiries from groups of managers, employees, vendors, government agents, and the general public. Ability to write reports and business correspondence. Ability to work independently with little supervision. Physical Requirements Ability to sit for long periods of time up to 75% of work hours. Ability to use hands to grasp, handle, or feel. Ability to use computer keyboard and system to enter data and process information. Ability to talk, hear, and see. Ability to use telephone to communicate with customers and employees. Ability to use office equipment such as teller scanner, personal computer, telephone, Blackberry, copier, fax machine, adding machine, etc. Ability to lift up to 20 lbs. at least 10% of work hours. Working Conditions Moderate sound as in business office with office machines, computers and people traffic. Compliance It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability. This is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment. This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or s at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload. Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin/nationality, ancestry, religion/religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States. Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job , unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.

The Senior SBA Credit Analyst / Underwriter is responsible for evaluating and underwriting SBA loan applications in accordance with the SBA Standard Operating Procedures (SOP) and Ready Capital's credit policy. This role requires advanced credit analysis capabilities, strong technical writing, and effective communication skills to support sound credit decisions and ensure compliance with SBA guidelines. Key Responsibilities: Credit Analysis & Underwriting Conduct thorough financial analysis of business and personal financial statements, tax returns, and cash flow projections. Assess borrower creditworthiness, repayment capacity, and collateral adequacy. Prepare a detailed credit memo with well-supported recommendations. SBA SOP Compliance Ensure all underwriting activities align with current SBA SOP requirements. Stay updated on changes to SBA policies and communicate implications to relevant stakeholders. Collaborate with RCL's closing teams to ensure documentation accuracy. Technical Writing Draft clear, concise, and comprehensive credit memos and risk assessments. Document underwriting decisions and rationale in a professional and audit-ready format. Communication & Collaboration Present credit findings to loan committees and senior management. Communicate effectively with BDOs, borrowers, internal customers and third-party professionals to gather necessary information. Provide mentorship and guidance to junior underwriters as needed. Qualifications: Bachelor's degree in Finance, Accounting, Economics, or related field Minimum 4 years of experience in SBA credit analysis Deep understanding of SBA 7(a) programs and SOP requirements. Strong analytical skills and proficiency in financial modeling. Excellent written and verbal communication skills. Ability to work in a high volume environment Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is frequently required to stand and walk. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 15 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually quiet

When you join Kyocera Document Solutions America, Inc. you are joining an organization that is deeply rooted in the Philosophy of “doing what is right as a human being”. Through this Philosophy, our employees are passionate about providing best in class customer service through efficiency, accountability and a sense of urgency all while putting knowledge to work to drive change. In addition, we're a Great Place to Work… and we really mean it! Kyocera Document Solutions America, Inc. was officially certified a Great Place to Work since 2022. An organization earns this distinction when its employees have expressed their trust the people they work for, have pride in what they do and enjoy the people they work with. As a Credit Analyst, you will handle at least 80 to 100 dealer accounts, in aggregate, for both regions. On a daily basis, you will manage the order releases for all dealer orders on their regional order Queue. You will ensure that all orders for creditworthy accounts are promptly released and advise the dealers of any credit or collection issue. You will also need to secure approvals from the Third-Party companies for inventory finance orders and review all documentation for split funding orders. The chance to do something meaningful, to challenge yourself, to be a part of change in an industry, to influence change doesn't come around every day. Responsibilities + Manage the order releases for all dealer orders on their assigned order queue. + Ensure that all conforming orders for creditworthy accounts are promptly released. + Advise dealers of any credit or collection issues and the requirements for resolution. + Secure approvals from third-party finance companies for inventory finance orders. + Review all documentation for lease split funding orders. + Monitor the accounts that are delinquent by regularly reviewing the aging information. + Initiate collection efforts by phone or email to secure payment. + When discrepancies arise, assist the dealers in resolving the identified issues. + Work with Customer Service, Sales administration, and Regional Sales staff in an advocacy role. + Coordinate with Accounts Receivable staff to ensure prompt and correct cash applications, account reconciliation, and invoice payment variances. + Continuously review CWO reports, at least daily, to ensure CWO invoices are paid within policy. Continuously review third-party unpaid reports, at least daily, to ensure these invoices are paid within 30 days of the invoice date. + Effectively negotiate payment plans with dealers and act to ensure adherence to the plans. + Prepare legal referrals for past-due accounts as needed. + Ensure that updated dealer financial statements are received in a timely manner and reviewed on as annual basis, or more frequently as needed. + Assist the National Credit Manager by analyzing all types of customer financial statements including compilations, reviews, audits, tax filings, etc. + Perform financial ratio analysis on the balance sheets income statements and statements of cash flow to measure the financial condition of the dealer base through liquidity, solvency, efficiency, and cash flow statement analysis. + After completion of analysis, prepare a formal written credit narrative explaining the risk profile and then make quantitative recommendations to the National Credit Manager. + Cross train with other regional credit analysts regarding areas of responsibilities. + Provide monthly reports to Corporate Credit Management such as: regional delinquency performance, daily sales Outstanding (DSO), and past due analysis. Qualifications + Bachelor's degree in a business-related field. + Five or more years' experience in Commercial Credit Management. + Possess strong interpersonal and negotiation skills. + Industry experience is a significant plus. + Experience with a major ERP (Oracle, SAP, JD Edwards, etc.) + Proficient with Microsoft Office Suite, particularly Excel and Word. + Must be a strong team player. + Must be able to work overtime particularly during the end of the month. The typical pay range for this role is $71,000 -$88,000. This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography, and other relevant factors. This position may include a discretionary bonus based on performance.This position may include a discretionary bonus based on performance. Note This is a general description of the duties and responsibilities most frequently required of this position. The company may from time to time request that the incumbent perform other related tasks and assume reasonable responsibilities that have not been specifically included in this description. Kyocera Document Solutions America, Inc is a group company of Kyocera Document Solutions Inc., a global leading provider of total document solutions based in Osaka, Japan. The company's portfolio includes reliable and eco-friendly MFPs and printers, as well as business applications and consultative services which enable customers to optimize and manage their document workflow, reaching new heights of efficiency. With professional expertise and a culture of empathetic partnership, the objective of the company is to help organizations put knowledge to work to drive change. Kyocera is looking for enthusiastic and innovative people to help our customers run their businesses more efficiently and more profitably. We offer a generous benefits package including medical, dental and vision plans, a 401k match, flexible spending, disability and life insurance, plus paid time off and holidays. KYOCERA Document Solutions America, Inc. is an Equal Opportunity Employer, a VEVRAA Federal Contractor, and complies with all applicable federal, state, and local laws regarding nondiscrimination. Kyocera provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, disability, or protected veteran status.

Our bank client is seeking to fill a Sr. Credit Analyst role in the East Brunswick, NJ market. The successful candidate will be responsible for performing clear and comprehensive credit analysis on commercial real estate loans including but not limited to multi-family, ground-up construction, construction-to-permanent, purchases, for-sale properties, and acquisitions for new and existing customers - based on historical numbers, projections, and Appraisals. The position includes a generous salary of up to $85K along with an excellent benefits package. (This is not a remote position). Sr. Credit Analyst responsibilities include: Assisting in the analysis/underwriting of credits for the commercial lending area, particularly those related to real estate lending of any type: residential developers, shopping centers, apartment complexes, etc. Spreading and reviewing Business and Personal Tax Return/Financial Statements in the Financial Spreading Program. Preparing Risk Rating forms in conjunction with the Presentations/Annual Reviews. Conducting financial analysis such as NOI, Cash flow, Debt Service Coverage, Loan to Values, Liquidity ratios, leverage, profitability, and loan covenants Formulating/presenting findings, evaluations, credit worthiness, and recommendations to Lenders, Senior Management, and Internal Loan Committees. Mentoring new hires with the internal processes. All other reasonable duties as assigned. Requirements 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: Bachelor's degree in accounting, credit, finance, or related field. Ten or more years of Banking and Financial industry experience specializing in Residential /Commercial Real Estate, Construction Underwriting, Financial Analysis, Management Reporting, and strong communication skills Ability to perform credit analyst functions including financial statement spreads and writing loan offering summaries. Good knowledge of commercial real estate and deal structures especially residential development construction. Ability to understand various business structures and related financial statements and tax returns. Ability to work effectively with lending officers to appropriately structure deals. Strong understanding of 3rd party reports such as Commercial / Residential Appraisals (including Absorption Analysis) Environmental Reports and Credit Bureau Reports. Very good oral and written communication techniques. Proficient in Microsoft Office Applications (Word, Excel, PowerPoint). Benefits The position includes a generous salary of up to $85K along with an excellent benefits package. (This is not a remote position).

The Basel Measurement & Analytics (BM&A) group within TCIO is responsible for calculating, analyzing, and reporting firm-wide RWA for wholesale credit risk and retail risk stripes. The RWA measures feed into corporate functions to quantify and determine regulatory capital requirements and support external regulatory filings and disclosures. BM&A is responsible for the business requirements to develop and manage the Basel infrastructure and ensure calculations are in compliance with internal capital policy and guidance. In addition, BM&A supports ancillary activities to perform impact analysis on methodology changes driven by new rule proposals, support RWA component of CCAR, Resolution & Recovery, Pillar 3 Disclosure, and Quantitative Impact Studies (QIS) for regulatory agencies. The BM&A Securities Financing Transaction Team is responsible for assessing regulatory policy, driving enhancements to infrastructure needed to support risk regulatory reporting processes related to Basel methodology, and RWA reporting (specific to SFTs). The candidate will be responsible for producing RWA related to SFT exposures under Basel 3 rules, analyzing quarter-over-quarter changes in RWA, working with LOB controllers and credit officers to determine variance drivers such as portfolio changes, policy updates and capital treatment, and generation of external regulatory filing schedules. The candidate will manage the reporting processes and be owner of data issue identification, tracking, and resolution. Job responsibilities: Monthly production cycle for RWA calculation and reporting, including Basel 3 Advanced, Basel 3 Standardized, CCP, and Supplementary Leverage Ratio Provide analysis in support of RWA trends and forecast-to-actual variances Support external regulatory filing deliverables including the FR Y-9C, FFIEC 101 and Pillar 3. To perform ad-hoc quantitative impact analysis on the firm's RWA under Basel rules and regulations based on input parameters or infrastructure changes - specific to Securities Financing Transaction (SFT) risk stripe. Perform quarterly stress testing to support CCAR, ICAAP and Risk Appetite deliverables. To evaluate and manage controls on key processes and functions. To prepare objective analysis that provides perspective to senior management to support decision-making on key issues related to regulatory capital. Required qualifications, capabilities and skills: Bachelor's degree and 1-4 years' experience in Finance or Risk Management. Experience and technical understanding of securities financing products. Exceptional excel/database/desktop skills. Ability to work in pressure-oriented environment and able to handle multiple tasks. Strong analytical, critical thinking, and problem solving skills with a track record of execution against deliverables; including the ability to take ownership and work independently while contributing to the broader team. Preferred qualifications, capabilities and skills: Results oriented individual who can execute tasks within aggressive time frame. Excellent interpersonal skills necessary to work effectively with colleagues at various levels of the organization. Self-motivated team-player. Must possess the ability to research and resolve issues independently while working across teams to acquire needed information. Ability to synthesize and analyze large amounts of data to ascertain key facts and trends. Ability to develop strong client relationships and gain consensus on key decisions. Experience with Basel Capital Rules is preferred.

The Credit & Collections Analyst's duty is to oversee and control the overall credit exposure for accounts with assigned territories. The Analyst will work closely with his or her assigned Account Executive & Customer in an effort to reduce short payments, delinquent balances, and credit limit issues. The Credit & Collections Analyst shall be accountable to, and supervised by, the Director Credit and Collections as well as Credit and Collections Manager & Supervisor. Essential Job Functions: Control Credit Exposure: · Review and address (release) credit hold orders to meet warehouse cutoff times. · Contact Customers/Account Executives about short payments, and delinquent balances. · Conduct weekly account reviews with Account Executive & Customers. · Interact with Account Executives/Customers regarding account open balances. · Establish payment plans for customers who cannot pay outstanding balance in full. · Monitor accounts with payment plans. · Collaborate with sales and customers to resolve payment disputes and account issues. · Maintain open and effective communication with Account Executives & Customers regarding payment terms and expectations. · Reconcile customer accounts, investigating discrepancies and proactively resolving issues. · Ensure past-due accounts are prioritized. · Analyze root causes of delinquency and recommend comprehensive process changes (internally or externally) to address recurring issues and improve collection efficiency. A/R · Apply on-account monies associated with customer open outstanding balances. · Monitor and manage accounts receivable balances to ensure prompt collection of outstanding invoices(s). · Research short payments and adjust discrepant amounts. · Transfer credit balances to credit holding account as deemed appropriate. · Run statements/invoices. · Code in house checks. NSF Checks · Notify sales and/or customer regarding NSF/Returned checks and coordinate collection of the funds. Miscellaneous Tasks/Reports · Generate monthly statements. · Ongoing communication with management regarding specified parameters (pulling of orders/credit holds, overdue payments, legal reviews) · Perform other miscellaneous and department related job duties. Qualifications: · Good written and verbal communication skills. · Must be detail oriented with good follow-up skills. · Excellent organizational skills. · Excellent problem solving & analytical skills. · Must be able to multi-task and manage a busy workload in order to meet strong deadlines. · Possess strong people skills when dealing with sales team and/or customer accounts. Preferred Knowledge, Skills, and Abilities: · 3-5 years Credit & Collections experience in the Food Distribution/Food Service Industry. · Interaction with a large customer base as well as mom & pop accounts. · Proficient in Microsoft Outlook, Excel & Word. · Ability to adapt to changing priorities in a fast-paced environment. Ferraro Foods is an equal opportunity employer. MON - FRI | 8:30 AM - 5:30 PM

Contact customers on past due receivables. Maintain the follow-up dates in a current manner. Approving parts/service & rentals up to the assigned credit limit. Negotiating approvals and payments. Maintaining specific monthly goals assigned by the Corporate Credit Manager. Preparing accounts for Bad Debt, with all the proper documentation. Keeping in contact with management and sales personnel on certain accounts and other issues. Visit customers to pick up checks, or review statements and invoices, when necessary. Notify management, or sales personnel, of any delinquent accounts or disputes. RECOMMENDED QUALIFICATIONS: Associates or Bachelor's Degree in Business Administration is preferred and/or equivalent experience including basic knowledge of Accounting, Credit and Finance. Minimum 2-3 years of business-related experience in Accounting, Credit or Finance and/or equivalent combination of training and experience which provides the required knowledge, skills and abilities. Proven ability to deliver exceptional customer service and resolve client inquiries promptly and professionally. Excellent negotiation, organizational, interpersonal and communication skills; both verbal and written. Experience with Microsoft Office, Microsoft Excel, Microsoft Word and other related software. Equal Opportunity Employer Foley, Incorporated does not discriminate against any person applying for employment based on race, color, sex, age, religion, national origin or citizenship status, physical or mental disability, marital status, sexual orientation, gender identity, status as a covered Veteran, or any other legally protected status. This contractor and subcontractor shall abide by the requirements of 41 CFR 60.300.5(a) and 41 CFR 60.741.5(a). These regulations prohibit discrimination against qualified individuals on the basis of disability and protected veteran status, and require affirmative action by covered prime contractors and subcontractors to employ and advance in employment qualified individuals with disabilities and protected veterans.

Integrated Resources, Inc., is led by a seasoned team with combined decades in the industry. We deliver strategic workforce solutions that help you manage your talent and business more efficiently and effectively. Since launching in 1996, IRI has attracted, assembled and retained key employees who are experts in their fields. This has helped us expand into new sectors and steadily grow. Job Description This is a credit position with a stable Fortune 500 utility company located in New Jersey. The successful candidate will provide analytical and credit underwriting expertise to support the loan origination and portfolio monitoring efforts of the Solar Loan Program. The Senior Credit Analyst will be actively involved in making credit recommendations to management and in advising on structuring of new transactions for purposes of mitigating risk. Key Duties · Implement corporate credit policy and procedures and perform credit reviews for solar loan program commercial applicants. · Evaluate credit proposals and applications, conduct due diligence and make written credit recommendations to management. · Establish and maintain contact with clients throughout the due diligence process to obtain/provide information and advice, conduct interviews and relay information regarding the process and Client's requirements · Review and analyze financial statements, credit ratings, financial models, both for existing clients and on new solar financing opportunities · Identify structural risks and mitigates in prospective transactions and recommend enhancements and structuring of deals and covenants in line with policies and procedures. · Assist in documenting new financing transactions. · Responsible for monitoring of borrowers' financial condition to determine collateral requirements as required by the loan agreement. · Recommend enhancements to credit procedures in line with Board of Public Utilities approved Board Order. · Assist in the identification and analysis of potential business transactions and assist in the preparation of presentations/pitches · Ensure compliance with program policies and procedures and SOX controls. · Maintain and apply working knowledge of Client Standards for Business Controls and meet management's expectations for effective internal business controls. · Provide support for special projects and other functions as requested. Essential Qualifications: · Bachelor Degree in business or finance or equivalent experience · Minimum 3 years financial analysis and/or credit experience · Project finance experience/knowledge · Strong technical, computational and quantitative skills · Ability to make decisions and proactively resolve borrower issues. · Understanding of financial statements, corporate finance theories and practices, credit and risk principles, accounting, economics and statistics as well as strong research skills. · Excellent analytical ability including demonstrated knowledge of valuation techniques and practices, including cash flow analysis · Ability to build, review and maintain complex cash flow forecasting models with an excellent understanding of lending financial concepts and ratios · Excellent interpersonal, presentation, oral and written communication skills and an ability to explain complicated financial concepts to all levels, including clients and senior management · Comfortable interacting with and managing relationships with clients' senior management during loan due diligence and portfolio monitoring. · Demonstrated job commitment including a willingness to work under deadlines in a high-volume, fast-paced, results-driven environment with flexibility and adaptability in order to meet client requirements · Proven ability to pay close attention to detail, multi-task and work collaboratively within a team under tight deadlines · Well-developed organizational and time management skills in order to respond to shifting priorities on several simultaneous projects · Proficiency in Microsoft Word, Excel and PowerPoint. · Candidate must foster an inclusive work environment and respect all aspects of diversity Desired Qualifications: · Previous US power and renewables experience · C.P.A., C.F.A, MBA or other related Master's degree · Prior investment/corporate banking work experience · 3 years + of Project Finance experience/knowledge. · Understanding of New Jersey's solar energy market and familiarity with local utility solar financing programs. Qualifications Desired Qualifications: · Previous US power and renewables experience · C.P.A., C.F.A, MBA or other related Master's degree · Prior investment/corporate banking work experience · 3 years + of Project Finance experience/knowledge. · Understanding of New Jersey's solar energy market and familiarity with local utility solar financing programs. Additional Information Kind Regards, Pramod Kumar Technical Recruiter Integrated Resources, Inc. DIRECT # - 732-844-8730

The Bank of Princeton has exciting career opportunities! Our goal to hire and retain talented people with engaging personalities and strong work ethics. We believe in recognizing and rewarding employees who consistently perform at a high level. As a Bank, we believe in investing in the right places. Especially when it comes to our employees. Our assets are our people. The Bank of Princeton has programs to help our employees grow in the community we serve. If you are a creative thinker interested in career growth, development and exceeding customer expectations, I am looking for you. We are always seeking top talent in Credit Administration as a Credit Analyst/Underwriter. The ideal candidate should have three or more years of experience in Commercial Lending preparing full and complete underwriting packages for commercial real estate and business loan requests, including but not limited to credit, financial, risk and market analysis. Must be able to analyze personal financial statement, corporate financial statements, federal tax returns, and other financial reports as required by specific loan request. Compensation includes a base salary commensurate with experience, excellent benefits including 401K, healthcare and a host of others. The Bank is expanding not only in New Jersey, New York and in Philadelphia and is one of the fastest growing institutions in New Jersey. It is noted as one of the top 50 fastest growing companies in NJ. The Bank of Princeton is an Equal Employment Opportunity/Affirmative Action Employer - Minorities/Females/Protected Veterans/Disabled/Sexual Orientation.

How would you like to join one of the most highly regarded financial institutions in New Jersey with deep roots in the community? Provident is a successful and highly regarded multi-billion-dollar bank that continues to grow with branches in New Jersey, Eastern Pennsylvania and New York. Our longevity is a testament to our commitment to placing our employees, customers, and the communities we serve at the center of all we do. At Provident Bank, we are committed to enhancing our customer and employees' experience. POSITION OVERVIEW: This position is responsible for detailed research and credit analysis of complex credit requests in Commercial Credit Underwriting - C& I Regional Department. The incumbent is expected to have comprehensive knowledge of credit & risk analysis, credit rules, structuring of credits, regulations and documentation with the ability to exercise independent judgment within established Underwriting Guidelines and Credit Policy. At this level, the incumbent is expected to increasingly work with and assist the Commercial Loan Officers on customer calls. The incumbent will assist in training less experienced staff members and handle more complex and/or challenging assignments (e.g., larger deals or complicated request with larger relationship exposure under Market and Lending Leadership Approval Authority - Level 6 & 7 or below). KEY RESPONSIBILITIES: Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short term extension of existing loans Prepare and spread business financial statements and cash flows, in addition to personal financial statements and cash flow for personal guarantors. Verify covenant compliance. Conduct analysis on accounts receivable and accounts payable aging reports, work in progress reports, and borrowing base certificates. Accompany Commercial Loan Officers on customer and prospect calls. Participate in discussions with management regarding creditworthiness of proposed loan requests. Conduct third party research, inclusive of industry reports, personal credit reports, real estate analysis with market assessments, etc. Prepares reports and handles special assignments as warranted Subject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts. MINIMUM QUALIFICATIONS: Bachelor's degree in Finance, Accounting or Economics. Minimum 5 years in Commercial credit underwriting Thorough knowledge of underwriting, credit analysis and commercial loan structure. Strong analytical skills with ability to identify strengths and mitigate risks. Knowledge of commercial real estate lending (investment and owner-occupied). Proficient in Commercial & Industrial lending including debt service coverage, cash flow, A/R and A/P, WIP, and Borrowing Base Certificates. Strong computer skills, inclusive of experience with loan origination software and MS Office applications (specifically MS Word and Excel). Strong verbal and written communication. Ability to prioritize multiple projects and complete them on time. Ability to conduct meetings, meet with customers, effectively present information and respond to questions from peers, auditors and various levels of management. Sound comprehension of accounting practices, inclusive of balance sheets, income statements, equity reconciliation, and cash flows. Credit underwriting confidence for the ability to mentor and train Credit Analyst I & II. PREFERRED QUALIFICATIONS: MBA WORKING CONDITIONS Work is mainly performed in a normal office environment. Noise levels usually are moderate. Prolonged sitting Lifting from 5 to 10 lbs. (printer paper, storage boxes) Occasional bending or overhead lifting (storing files or boxes) The hazards are mainly those present in a normal office setting. This may not be all-inclusive. Employees are expected to perform other duties as assigned and directed by management. Job descriptions and duties may be modified when deemed appropriate by management. Provident Bank recognizes and supports the importance of creating a socially and culturally diverse employee base. We understand, value, and appreciate the unique perspectives that a diverse workforce can contribute to our organization. We put the employee and the customer at the center of strategy because culture is a critical differentiator for why people choose to work here. We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law. Pay Details: $73,600 - $105,100 annually Please note, the base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, education, geographic location, internal equity, and other applicable business and organizational needs. This role is incentive eligible based upon company, business, and/or individual goal achievement and performance. Team members accrue paid time-off (PTO), receive Holiday (PTO) and are eligible to participate in the bank's Health and Wellness benefits including Medical, Dental and Vision Plans, Flexible and Health Savings Accounts, and a 401(k) Retirement Plan. In addition, the company provides Disability Insurance, an Employee Assistance Program, and Basic Life Insurance. Company sponsored Tuition Disbursement and Loan Repayment programs are also available. Voluntary benefits include Supplemental Life Insurance, Accident, Critical Illness, Hospital Indemnity and Legal plans. #LI-Hybrid

Responsible for the quantitative and qualitative analysis of applicants' requests for commercial loans. The incumbent will assess the character, capacity, capital, collateral, and conditions of loan requests and will prepare the credit proposal packages recommending the appropriate product and loan structure to manage credit risk. Essential Functions Analyze customer financial condition. Assist with loan packages from the time it enters underwriting until the approval is complete and file is sent to the closing department. Make a credit recommendation based on credit findings. Assist relationship managers with loan committee presentations. Minimize risk by establishing appropriate credit terms and conditions. Analyze paying habits of customers who are delinquent in payment of bills and recommends action. Provide excellent customer service and develop relationships with internal/external customers, vendors and COI's. Participate in department projects and take an active role in cross-functional teams to assist in driving quality improvements, processes, and initiatives. Actively participates in and communicates with members of the credit administration and other bank departments. Complete loan write-ups for new loans and renewals. Order reports such as Credit Bureau reports, appraisals, environmental reports, and D&B's. Complete memos for changes in approvals and other pertinent issues. Prepare commitment letters for newly approved loans. Be a mentor to level 1 credit analysts. Additional Functions Participate in process improvement projects. Job Requirements and Qualifications Job requires strict attention to details and thoroughness in the completion of job duties. Job requires thorough analysis of information and use of logic to address complexity of date and information. Education and Experience Bachelor's degree in accounting, finance, business, or related field, or equivalent years of relevant work experience in credit administration. Three - five years of experience in a financial institution's commercial loan department. Credit trained preferred Licenses and Certifications N/A Knowledge, Skills, and Abilities Intermediate knowledge of credit underwriting concepts. Knowledge of the SBA program preferred Fundamental knowledge of accounting, finance, and economic principals. Excellent oral and written communication skills. Excellent computer skills in a Microsoft Windows environment including proficiency in Microsoft Word, Excel, Outlook and PowerPoint. High reasoning skills including the ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to read, analyze, and interpret financial statements, collateral, cash flow, projections, personal financial statements, tax returns, and varying balance sheet and income statement ratios. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to apply concepts of basic algebra. Ability to read, analyze, and interpret legal documents, governmental regulations, and professional publications. Ability to effectively present information and respond to inquiries from groups of managers, employees, vendors, government agents, and the general public. Ability to write reports and business correspondence. Ability to work independently with little supervision. Physical Requirements Ability to sit for long periods of time up to 75% of work hours. Ability to use hands to grasp, handle, or feel. Ability to use computer keyboard and system to enter data and process information. Ability to talk, hear, and see. Ability to use telephone to communicate with customers and employees. Ability to use office equipment such as teller scanner, personal computer, telephone, Blackberry, copier, fax machine, adding machine, etc. Ability to lift up to 20 lbs. at least 10% of work hours. Working Conditions Moderate sound as in business office with office machines, computers and people traffic. Compliance It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability. This is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment. This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or s at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload. Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin/nationality, ancestry, religion/religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States. Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job , unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.