Credit Analyst III DEPARTMENT: Credit Department REPORTS TO: Credit Manager, VP SUPERVISES: None FLSA: Exempt, Non-Officer STATUS: Full Time EEO Classification: 2 Professionals JOB GRADE: 5 HOURS: Regular full-time 40 hours SUMMARY: Conduct independent loan reviews for the Bank's commercial loan portfolio. Perform credit analysis, including analysis of financial statements, cash flow, stress testing, and collateral analysis. These reviews will help the Bank manage the risk in the loan portfolio by identifying positive or negative trends from when the loans were originated. Must demonstrate working knowledge of applicable federal regulations and internal bank loan policy. EDUCATION & EXPERIENCE:

• Bachelor's Degree in Accounting, Finance, or other business-related field
• Minimum of three (3) years' work-related experience, specifically in commercial credit analysis, loan review, and/or commercial lending
• Demonstrated knowledge of bank's various operating systems
• Demonstrated capability of analyzing and valuing complex commercial deals
• Knowledge of Federal and State regulations governing Commercial and Real Estate lending

ESSENTIAL DUTIES & RESPONSIBILITIES:

• Analyze financial statements, cash flow, and collateral
• Verify the accuracy and completeness of loan documentation, including promissory notes, security agreements, and loan agreements.
• Identify potential risks associated with a loan, such as industry trends, economic conditions, and borrower concentration.
• Ensure loans adhere to all applicable banking regulations and internal credit policies.
• Assign appropriate credit ratings to loans based on analysis.
• Prepare detailed reports summarizing loan review findings and recommendations for management.
• Communicate with loan officers to discuss credit concerns and clarifying loan details.
• Monitor the construction loan draw process
• Perform dual control floor plan audits
• Assist credit analysts in ensuring complete financial packages are received prior to underwriting
• Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data
• Effective verbal and written communication skills
• Proficient knowledge of Microsoft Excel, Word, and Access
• Time Management skills
• Excellent interpersonal, communication, and organizational skills
• Understanding of financial products and services
• Ability to recognize and focus on critical issues
• Observe, receive, and otherwise obtain information from all relevant sources
• Other Credit Department duties as needed
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

COMPETENCIES: To be successful in this position, an individual should possess and demonstrate the following competencies to perform the essential functions of this position.

• Computer Skills - Strong working knowledge of computer functions. Ability to learn new technical skills and commitment to pursuing continuing education opportunities to advance technical skills.
• Initiative - Ability to determine a correct course of action based on knowledge, policies, and sound judgement. Takes proactive steps to accomplish tasks without specific direction. Seeks out and takes responsibility for additional work assessments. Seeks out new learning opportunities. Consistently makes correct decisions based on sound judgement, job knowledge, job experience, and job training. Willingness to take responsibility for decisions. Keeps supervisor informed of decision and reason and base for the decision.
• Follow-Up - Completes assignments and tasks willingly, promptly, and efficiently. Responds with a sense of urgency to requests from customers, co-workers, and / or supervisor. Keeps supervisor informed of status of completed tasks.
• Communication Skills - Relates positively to customers, staff, co-workers, and supervisors. Consistently keeps staff and supervisor informed. Consistently demonstrates appropriate use of language expected in a professional work environment. Considerate and respectful of customers, staff, co-workers, and supervisors by tone, volume, and mannerism used in communicating. Expresses thoughts clearly and proficiently in written and oral form. Maintains confidentiality in all bank, employee, and customer-related matters.
• Interpersonal Relationship Skills - Works well with co-workers, conveying thoughts and actions in a positive manner. Supports, accepts, and understands management and company directives, and works to help achieve individual, departmental, and company objectives and goals with positive behavior. Consistently displays a willingness to cooperate. Receptive to suggestions for improvement. Strong sense of business propriety and decorum. Interacts and communicates with individuals at all levels of the organization. Dependable, consistently at work and on time, follows instructions, responds to management directions, and solicits feedback to improve performance.
• Time-Management - Ability to consistently display a sense of urgency in completing tasks and servicing customer's needs. Ability to maintain accuracy and quality of work, as quantity of work increases. Organizes, prioritizes, and plans work activities and use of time efficiently. Effectively prioritizes duties and develops a system that triggers action in own workflow. Possesses ability to realize urgent nature of tasks assigned. Effectively uses the proper resources to maintain an organized, neat, and efficient work environment necessary for completion of duties in a timely manner. Demonstrates accuracy and thoroughness and monitors own work to ensure quality and quantity of work. Takes time to verify work and promptly correct errors. Maintains all the required and appropriate records necessary in the job.
• Adherence to Policies & Procedures - Understands the importance of adherence to bank policies in job-related functions, employee, and banking issues. Maintains confidentiality of employee, customer, and bank information within and outside of the company. Actions and behaviors reflect positively on the company. Maintains highest level of honesty in handling customer, employee, and bank information.

ADA REQUIREMENTS: Work is performed in an office setting; one must be able to concentrate and perform work in an area that will likely result in the interruptions of one's duties. May be required to stand for long periods of time and to lift items weighing up to 25-70 lbs. This job may not be all-inclusive. Employees are expected to perform other duties as assigned or directed by management. Job descriptions and duties may be modified when deemed appropriate by management. REV. 03.31.2025 NJB EOE/Minorities/Women/Vets/Disabled

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