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About the Role

Perform independent analysis for complex commercial loan requests for new and existing clients, evaluating and recommending approval, denial, or alternative structuring. Monitor existing portfolios to ensure timely renewals, reviews, and modifications, maintaining accurate risk ratings. Prepare written analyses, summarize risks, and identify policy deviations. Review analyses from Credit Analysts and provide guidance to less experienced staff, ensuring adherence to all applicable laws, regulations, and company guidelines.

Responsibilities

Ensure timely and accurate underwriting for renewals, extensions, annual reviews, and new requests in partnership with Commercial Relationship Managers and Regional Managers.
Establish and maintain relationships with current and prospective customers, identifying cross-selling opportunities for loan and non-credit products.
Monitor assigned portfolio reports, including maturing loans, financial exceptions, annual reviews, post-closing and documentation exceptions, financial covenants, and past due loans.
Perform detailed analysis and quality underwriting of commercial loan proposals, including complex loans for new and existing customers.
Independently analyze and structure proposals, complete underwriting and evaluation, identify loan structure alternatives, and make credit recommendations.
Act as the final decision-maker on credits within individual lending authority, ensuring compliance with credit policy and underwriting requirements.
Demonstrate understanding of the Bank's overall portfolio mix, concentration, exposure limits, risk philosophy, and quantitative risk modeling factors.
Perform in-depth projective financial analysis using automated and manual tools, including "what-if" scenarios and predictive performance construction.
Maintain the overall credit quality of the region's loan portfolio by proactively identifying and mitigating risks from economic and market trends.
Identify and document deviations from the Commercial Loan Policy.
Discuss and review covenants and overall assessment with reviewers, establishing turnaround/delivery requirements.
Participate in customer meetings to provide expert analytical counsel and credit perspective.
Conduct thorough annual reviews of current portfolio clients, including financial review, site visits, and risk assessment.
Analyze secondary sources of repayment, such as collateral, assessing quality and marketability in a liquidation scenario.
Analyze a guarantor's financial position through personal financial statements and tax returns to understand contingent liabilities and construct estimated personal net cash flow.
Prepare comprehensive written analysis for loan proposals, including financial statements, cash flow trends, management profiles, business cycles, operating performance, and economic/market research.
Assign a credit risk rating.
Prepare in-depth loan packages with detailed analysis and recommendations for presentation to reviewers and/or Management Credit Committee.
Attend Management Credit Committee to provide input and answer questions regarding credit analysis.
May present credits to the Management Credit Committee.
Provide guidance to less seasoned Credit Portfolio Managers and credit analyst staff.
Ensure compliance of all required documentation and adherence to loan terms and conditions with established credit policy and approval.
Ensure compliance with applicable federal, state, and local laws and regulations, agency guidelines, and organization policies.
Provide approval authority for commercial loans as specified by Loan Policy.

Requirements

Perform independent analysis for commercial loan requests for new and existing Commercial Lending relationships that are more of a complex nature.
Evaluate and make recommendation to approve, deny or offer alternative structuring solution.
Monitor an existing Commercial Lending portfolio to ensure timely completion of renewals, annual reviews and modifications as well as timely and accurate risk rating of the portfolio.
Prepare written analysis and succinctly summarize underlying risk and recommend risk rating.
Identify and document any deviations from the Commercial Loan Policy as appropriate.
Review analyses performed by Credit Analyst staff, and, if applicable, incorporate into overall risk assessment.
Recommend and approve credit decisions within established authority in conjunction with Credit Officer if applicable.
Ensure adherence to all applicable laws, regulations and company guidelines as detailed in the Bank's credit policy.
Provide guidance to less seasoned Credit staff.

Skills

Commercial loan analysis
Risk assessment
Financial analysis
Underwriting
Credit policy adherence
Customer relationship management
Cross-selling
Portfolio monitoring
Financial modeling
Risk mitigation
Collateral analysis
Guarantor financial analysis
Loan structuring

Location

Red Bank
Toms River

Work Type

Hybrid schedule after initial onboarding

Experience Level

Experienced professional

Benefits

On-site fitness facility at Red Bank and Toms River headquarter offices
Hybrid schedule after initial onboarding has been completed
Employee perks & discount programs
Tuition assistance
Incentive compensation program
Professional development opportunities

About the Company

At OceanFirst Bank, each one of our employees plays an important role in fulfilling the mission and taking responsibility to execute daily tasks in alignment with our core values.
Together we foster an environment of respect, professionalism and diversity that makes OceanFirst a great place to work and do business.
Make an impact in the local community!