Sr. Credit Analyst

We are looking for an experienced Sr. Credit Analyst to join our team in Piscataway, New Jersey. In this position, you will play a key role in assessing the creditworthiness of commercial loan transactions and ensuring compliance with companypolicies. This role requires a strong analytical mindset and the ability to work independently while collaborating with various levels of management.

Responsibilities:

• Perform thorough analyses of commercial lending transactions, including new deals and renewals, to assess the financial standing and risk profile.
• Draft comprehensive credit assessment documents that incorporate both narrative insights and data-driven evaluation of financial and credit records.
• Complete independent verifications on both individual and business applicants to ensure reliable credit evaluation.
• Maintain strict adherence to established credit assessment guidelines, and accurately note any deviations.
• Work in partnership with lending staff to highlight positive and negative aspects of lending opportunities and propose risk mitigation solutions.
• Assign risk levels to credit accounts according to set standards, ensuring that all necessary authorizations are obtained.
• Present credit proposals to leadership together with lending staff, making well-supported recommendations.
• Periodically re-evaluate outstanding loans through annual reviews to verify risk classification and policy compliance.
• Manage documentation and submission of requests related to the continuation or amendment of credit agreements.
• Engage in ongoing professional development to stay current in advanced credit analysis methodologies.

• Demonstrated background in evaluating credit risk across sectors such as commercial properties, business lending, and construction finance.
• Deep understanding of how to review and interpret various types of financial reports, including those prepared by auditors, external reviewers, or internal management.
• Experience in working with information from credit reporting agencies, tax documentation, and communications with financial institutions or vendors.
• Capability to conduct thorough research and independently evaluate the financial standing of both business and individual clients.
• Skilled in assigning risk levels and assuring adherence to institutional guidelines.
• Strong communication abilities, with a track record in creating detailed analysis reports and effectively presenting recommendations.

Robert Half is the world’s first and largest specialized talent solutions firm that connects highly qualified job seekers to opportunities at great companies. We offer contract, temporary and permanent placement solutions for finance and accounting, technology, marketing and creative, legal, and administrative and customer support roles.

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All applicants applying for U.S. job openings must be legally authorized to work in the United States. Benefits are available to contract/temporary professionals, including medical, vision, dental, and life and disability insurance. Hired contract/temporary professionals are also eligible to enroll in our company 401(k) plan. Visit roberthalf.gobenefits.net for more information.

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