Sr. Credit Analyst - Join Robert Half in Piscataway, New Jersey

Are you a seasoned professional with a passion for credit risk analysis and commercial lending? Robert Half is seeking a talented Sr. Credit Analyst to join our dynamic team in Piscataway, New Jersey. This pivotal role involves evaluating the creditworthiness of complex commercial loan transactions, ensuring rigorous compliance with company policies, and driving informed lending decisions. As a key contributor, you'll leverage your analytical expertise to mitigate risks, support business growth, and collaborate across all levels of management. If you thrive in a fast-paced environment where your insights directly impact financial outcomes, this opportunity at Robert Half offers the perfect platform for career advancement in credit analysis.

About the Role

In this full-time position, the Sr. Credit Analyst will play a critical role in our lending operations, focusing on thorough financial assessments and risk profiling for both new and renewing commercial deals. Located in the heart of Piscataway, NJ, our office provides a modern, collaborative workspace ideal for professionals seeking stability and growth. You'll work independently while partnering with lending teams and presenting to senior leadership, making this role ideal for those with 5+ years in credit analysis, financial services, or banking. Robert Half values innovation in credit risk management, offering exposure to advanced methodologies and high-stakes transactions that sharpen your skills daily. With Piscataway's proximity to major hubs like New York City and Philadelphia, enjoy an excellent work-life balance in a vibrant region known for its economic opportunities.

Key Responsibilities

As a Sr. Credit Analyst, your day-to-day will encompass a wide range of high-impact tasks designed to safeguard our portfolio while enabling smart lending:

• Conduct in-depth analyses of commercial lending transactions, scrutinizing financial statements, cash flows, and market conditions to determine risk profiles for new deals and renewals.
• Author detailed credit memorandums blending qualitative narratives with quantitative data, ensuring clarity and actionable insights for decision-makers.
• Perform independent verifications of personal and business credit histories, collateral, and references to validate applicant reliability.
• Uphold unwavering compliance with internal credit policies, meticulously documenting exceptions and escalations.
• Collaborate closely with originators to dissect deal strengths/weaknesses, crafting tailored risk mitigation strategies like covenants or guarantees.
• Classify accounts by risk rating using standardized models, securing approvals from appropriate authorities.
• Co-present compelling credit proposals to executive leadership, backed by robust financial modeling and scenario analysis.
• Execute annual reviews of existing loans, reassessing risks and compliance to maintain portfolio health.
• Oversee the lifecycle documentation for credit facility modifications, extensions, and amendments.
• Pursue continuous learning through certifications, webinars, and industry conferences to master evolving credit analysis techniques.

Required Qualifications

To excel as our Sr. Credit Analyst, bring the following expertise to Robert Half:

• Bachelor's degree in Finance, Accounting, Economics, or a related discipline; advanced certifications like CFA or CICP highly preferred.
• Minimum 5-7 years in senior credit analysis, underwriting, or portfolio management within commercial banking or financial services.
• Proven track record in financial statement analysis, ratio calculations, stress testing, and credit scoring models.
• Deep familiarity with lending regulations, Basel accords, and credit policy frameworks.
• Exceptional analytical skills with proficiency in Excel, Moody's, or similar financial tools.
• Strong interpersonal abilities for cross-functional teamwork and executive presentations.
• Detail-oriented mindset with the capacity for independent judgment under tight deadlines.
• Demonstrated commitment to ethical practices and professional growth in credit risk domains.

Experience in mid-market commercial lending is a plus, as is familiarity with Piscataway's local business landscape.

Why Join Us at Robert Half?

Robert Half stands as a global leader in financial staffing and consulting, offering unparalleled stability and resources for your career. In Piscataway, NJ, enjoy a competitive salary range of $95,000 - $120,000 annually (based on experience), plus performance incentives. Our benefits package is top-tier: full medical/dental/vision coverage, 401(k) with generous matching, unlimited PTO accrual, tuition reimbursement for certifications, and hybrid work flexibility post-onboarding. Thrive in a culture that prioritizes work-life balance, diversity, and innovation—empowering you to make a tangible impact on client success. SEO keywords: Sr. Credit Analyst jobs Piscataway NJ, credit risk analyst careers, commercial lending opportunities New Jersey, Robert Half finance roles. Apply today and elevate your career with a company that invests in your future!