About the Senior Credit Analyst Role

Robert Half is excited to partner with a leading regional banking client in Edison, New Jersey, to find a dynamic and detail-oriented Senior Credit Analyst with proven expertise in Commercial Real Estate (CRE) and Commercial & Industrial (C&I) lending. This hybrid opportunity offers the perfect blend of in-office collaboration and remote flexibility, with 3 days in the office and 2 days working from home. If you have 4+ years of experience in credit analysis, underwriting, and risk management, this position allows you to leverage your analytical skills to drive strategic lending decisions and support a diverse portfolio of complex credit opportunities.

In this pivotal role, you'll play a key part in evaluating loan applicants, structuring deals, and ensuring compliance with banking regulations. Our client values professionals who thrive in collaborative environments, delivering measurable impact through precise financial insights and strategic recommendations. With a competitive salary range of $100,000 - $115,000, comprehensive benefits, and clear career growth paths, this is an ideal opportunity for seasoned credit professionals seeking stability and advancement in the Edison, NJ banking sector.

Key Responsibilities

Core Credit Analysis Duties

• Perform in-depth credit analysis, including thorough reviews of financial statements, cash flow projections, debt service coverage ratios, and comprehensive risk assessments for CRE and C&I loan applicants.
• Develop detailed financial models to evaluate borrower viability, collateral values, and repayment capacity under various economic scenarios.

Documentation and Reporting

• Prepare professional, concise credit memos with actionable recommendations for senior management and loan committees, highlighting key risks, mitigants, and approval rationales.
• Present findings during committee meetings, articulating complex financial data in clear, persuasive terms to facilitate informed decision-making.

Portfolio Management and Compliance

• Actively monitor assigned loan portfolios, conducting ongoing reviews to maintain credit quality, identify early warning signs, and recommend remedial actions.
• Ensure full compliance with federal and state banking regulations, internal credit policies, and industry standards such as FDIC guidelines and Basel requirements.

Collaboration and Market Intelligence

• Partner closely with Relationship Managers, loan officers, and cross-functional teams to structure tailored lending solutions that meet client needs while adhering to risk tolerances.
• Maintain up-to-date knowledge of CRE and C&I market trends, economic indicators, industry-specific risks, and evolving regulatory landscapes to inform lending strategies.

Required Qualifications

Experience and Expertise

Candidates must possess at least 4 years of direct hands-on experience in CRE and C&I lending within a commercial banking environment. Proven track record in credit underwriting, financial analysis, and portfolio management is essential.

Technical Skills

• Advanced proficiency in financial modeling tools (Excel, Moody's, or similar), banking systems, and credit analysis software.
• Strong capabilities in cash flow analysis, ratio analysis, stress testing, and collateral valuation.

Knowledge Base

• Comprehensive understanding of credit policies, loan structuring techniques, covenant monitoring, and regulatory frameworks governing commercial lending.
• Familiarity with CRE property types (office, retail, multifamily, industrial) and C&I sectors (manufacturing, services, wholesale).

Professional Attributes

• Exceptional written and verbal communication skills for stakeholder interactions and report preparation.
• Team-oriented mindset with the adaptability to excel in a hybrid work model.
• Analytical problem-solver with keen attention to detail and strategic thinking.

Why Join Us?

This Senior Credit Analyst position offers more than just a job—it's a launchpad for your career in commercial banking. Enjoy a hybrid work schedule that balances professional collaboration with personal flexibility: 3 days in our modern Edison, NJ office and 2 days remote. Our client provides a robust benefits package including health, dental, and vision insurance, generous paid time off, and a market-leading salary of $100,000-$115,000.

Thrive in a growth-oriented culture that invests in your professional development through training, mentorship, and advancement opportunities. Be part of a forward-thinking regional bank committed to innovation in CRE and C&I lending, where your contributions directly impact business success. Robert Half streamlines your application—email your resume or call Rich Singer, CPA at 848-202-7970 to discuss this excellent opportunity today. Join us and elevate your career in Edison, New Jersey's dynamic financial landscape!