Job Description:

Credit Specialist, Oak Ridge, NJ

Job Locations

US-NJ-Oak Ridge

Duties

As the Credit Specialist you will underwrite CRE and C&I loans for a variety of geographic locations and industries. You will work independently to research and create a comprehensive analysis. Other types of loans you will be exposed to are: refinance, mortgages, construction, and renovation loans, as well as term loans, lines of credit, asset-based, and equipment finance for all industries. Each analysis will incorporate bank policy and federal regulations. You will prepare and provide reports related to portfolio quality, concentration, stress testing and related portfolio analysis.

Key Responsibilities:

Prepare thorough loan presentations for each independent industry;include economic and company research, financial statement spreads and analysis, construction funding, proforma, cash flow analysis and rental economics
• Present an independent analysis diplomatically, possibly opposing opinion and ask appropriate questions as needed


• Effectively communicate your findings and respond to questions appropriately both one-on-one and small group settings with professionals, regulators and internal employees of the bank


• Communicate level of risk associated with each loan transaction and propose mitigants


• Provide guidance and assists in the training of Junior Credit Analysts
  
  

Requirements

Education and experiences:

• Broad knowledge in accounting, marketing, business administration, finance


• Equivalent to a four year college degree, plus 5 years related experience and/or training


• Minimum 1 year experience in a bank, comparable training program or RMA credit training program desired.


• Ability to effectively communicate information and respond to questions in person-to-person and small group situations with customers, clients, general public and other employees of the organization


• Ability to write and deliver persuasive speeches and presentations on controversial or complex topics to top management, public groups, and/or boards of directors


• Ability to read, analyze, and understand complex documents


• Ability to write reports, business correspondence, and policy/procedure manuals


• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public


• Ability to respond to complex or difficult inquiries or complaints from customers, regulatory agencies, or members of the business community


• Ability to respond effectively to the most sensitive inquiries or complaints


• Strong critical thinking skills. Ability to define problems, collect data, establish facts, and draw valid conclusions


• Experience and ability to work in a financial spreading system equivalent to Baker Hill


• Must be bondable

Employment Eligibility

All Lakeland Bank employees must be bondable. FBI background checks are required to confirm eligibility for bonding. Note: A guilty plea or criminal conviction will not necessarily preclude employment at Lakeland Bank.

Lakeland Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, pregnancy, genetic information, national origin, disability, protected veteran status or any other characteristic protected by law.

Scheduled Hours

Monday through Friday

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