Job Openings

Browse Open Positions Below
Credit Analyst V – Iselin, NJ

This position is responsible for detailed research and credit analysis of complex credit requests in Commercial Credit Underwriting C&I Regional Department.  This is a senior position.  The incumbent is expected to have comprehensive knowledge of credit & risk analysis, credit rules, structuring of credits, regulations and documentation with the ability to exercise independent judgment within established Underwriting Guidelines and Credit Policy.  At this level, the incumbent is expected to increasingly work with and assist the Commercial Loan Officers on customer calls and structuring deals.  The incumbent will show leadership in training less experienced staff members and handle more complex and/or challenging assignments (e.g., larger deals or complicated requests with the highest level of relationship exposure under Executive Leadership and Credit Committee Approval Authority – Level 8 & 9).  The incumbent will have a key role of consequence to the team outside of their credit related work.  For instance, 3rd party vendor management responsibilities, reporting, and special projects.

MAJOR JOB RESPONSIBILITIES

  • Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short term extension of existing loans.
  • Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short term extension of existing loans.
  • Accompany Commercial Loan Officers on customer and prospect calls.  Participate in discussions with management regarding creditworthiness of proposed loan requests.
  • Conduct third party research, inclusive of industry reports, personal credit reports, real estate analysis with market assessments, etc.
  • Prepares reports and handles special assignments
  • Assists in 3rd party vendor management responsibilities

SUPERVISORY RESPONSIBILITIES

   Subject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts.

SKILLS AND TRAINING

  • Thorough knowledge of underwriting, credit analysis, commercial loan structure, and regulatory guidance.
  • Strong analytical skills with ability to identify strengths and mitigate risks.     
  • Strong knowledge of commercial real estate lending, inclusive of investment, owner-occupied and some construction.
    • Proficient in Commercial & Industrial lending including debt service coverage, cash flow, A/R and A/P, WIP, Borrowing Base Certificates, and construction budgets.
  • Strong computer skills, inclusive of experience with loan origination software and MS Office applications (specifically MS Word and Excel).
  • Strong verbal and written communication.
  • Ability to prioritize multiple projects and complete them on time.
  • Ability to conduct meetings, meet with customers, effectively present information and respond to questions from peers, auditors and various levels of management.
  • Strong comprehension of accounting practices, inclusive of balance sheets, income statements, equity reconciliation, and cash flows.
  • Credit underwriting confidence for the ability to mentor and train Credit Analyst III. 
  • Under some supervision, ability to correspond, manage, and in certain cases negotiate with 3rd party vendors. 
Commercial Lender – Paramus, NJ

Under general direction, this position is responsible for origination, evaluation and structuring of complex loan requests and transactions.   Additional responsibilities will include portfolio management and cross-selling other Bank products and increasing the bank’s visibility in the marketplace. 

MAJOR JOB RESPONSIBILITIES

  • Solicits credit-worthy potential and existing customers in an effort to develop new business and increase or retain existing business within the framework of the policy and procedures of the Bank. 
  • Promotes profitable growth of the loan portfolio and maximum customer responsiveness. 
  • Oversee the preparation of loan presentation including detailed financial analysis and assessment of borrower’s financial capacity and creditworthiness.    
  • Assesses lending risks, identifies offsetting mitigants and makes recommendations on loan structure displaying sound credit judgment.
  • Establishes and promotes customer and community relationships; cross sell other Bank products and services; maintains continued awareness of market conditions and competition; continues education in financing products and techniques.
  • Manages all aspects of assigned loan portfolio with emphasis on covenant and bank policy compliance, credit quality and delinquency control.         
  • Facilitates closing of the loan transactions with strict compliance with approved terms and conditions.
Portfolio Manager - NYC Metro Area

This position is responsible for detailed research and credit analysis of complex credit requests in Commercial Credit Underwriting – C& I Regional Department.  The incumbent is expected to have comprehensive knowledge of credit & risk analysis, credit rules, structuring of credits, regulations and documentation with the ability to exercise independent judgment within established Underwriting Guidelines and Credit Policy.

MAJOR JOB RESPONSIBILITIES

  • Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short term extension of existing loans
  • Prepare and spread business financial statements and cash flows, in addition to personal financial statements and cash flow for personal guarantors.  Verify covenant compliance.  Conduct analysis on accounts receivable and accounts payable aging reports, work in progress reports, and borrowing base certificates.
  • Accompany Commercial Loan Officers on customer and prospect calls.  Participate in    discussions with management regarding creditworthiness of proposed loan requests.
  • Conduct third party research, inclusive of industry reports, personal credit reports, real estate analysis with market assessments, etc.
  • Prepares reports and handles special assignments as warranted

SKILLS AND TRAINING

  • Thorough knowledge of underwriting, credit analysis and commercial loan structure.
  • Strong analytical skills with ability to identify strengths and mitigate risks.
  • Knowledge of commercial real estate lending (investment and owner-occupied).
  • Proficient in Commercial & Industrial lending including debt service coverage, cash flow, A/R and A/P, WIP, and Borrowing Base Certificates.
  • Strong computer skills, inclusive of experience with loan origination software and MS Office applications (specifically MS Word and Excel).
  • Strong verbal and written communication.
  • Ability to prioritize multiple projects and complete them on time.
  • Ability to conduct meetings, meet with customers, effectively present information and respond to questions from peers, auditors and various levels of management.
  • Sound comprehension of accounting practices, inclusive of balance sheets, income statements, equity reconciliation, and cash flows.
  • Credit underwriting confidence for the ability to mentor and train Credit Analyst I & II.

EDUCATION

Bachelor’s degree in with preferred concentration in Finance, Accounting or Economics.

APPLY NOW

Senior Universal Banker - Astoria, NY

MAJOR JOB RESPONSIBILITIES –

The Senior Universal Banker’s duties and responsibilities listed below are categorized into general 3 areas – Sales, Service and Operations. 

Sales:

  • Meet customer sales referrals and cross-selling goals; knows the features and benefits of all products and services to satisfy the needs of the customers
  • Promotes bank products, refer or resolve customer inquiries concerning accounts or other banking services
  • Actively refers clients for commercial business to branch manager
  • Exceed client expectations through active engagement, commitment and dedication to servicing and building customer relationships
  • Advance the Bank’s Corporate Sales Program through the consultative profiling of clients to develop new relationships and build upon existing ones and is responsible for managing and growing a book-of-business.

Service:

  • Direct clients and identify opportunities through lobby management.  Assist clients with branch technology and provide referrals to other lines of business
  • Helps maintain cost efficiency to achieve goals of the branch; assures quality of customer service and adherence to sales and brand standards
  • Supplements general platform sales and service responsibilities as required
  • Exhibit and execute on customer service protocols

Operations:

  • Limit, approval, and discretionary authorities consistent with that of Branch Management
  • Ensures operational and financial safety and soundness
  • Leverages Lobby management as a tool for managing risk
  • Establishes customer identity according to established guidelines and adheres to all other compliance procedures
  • Assist Branch Management with Branch operations as needed
  • Opening, closing, and supervising the servicing of the branch in the absence of Branch Management
  • Assisting other Universal Bankers with more complex transactions including transactions that may require supervisor overrides
  • Performs teller duties including but not limited to:  check cashing, withdrawals, deposits and loan payments

May perform other duties as requested.

SUPERVISORY RESPONSIBILITIES

       None

SKILLS

  • Excellent interpersonal skills, including listening, written and verbal communication
  • Ability to work with a wide variety of personalities in a courteous and professional manner
  • Solid math and analytical skills
  • Ability to understand and follow safety and security practices
  • Strong relationship building skills
  • Proven ability to build relationships through consultative conversations and to identify customer needs and translate those needs to sales opportunities
  • Strong customer service/advocacy skills
  • Good organizational and time management skills
  • Good PC skills; and the ability to quickly learn other computer programs, including Microsoft office

APPLY NOW

Don’t see what you’re looking for, send your resume to Kgirardi@girardistaffing.com

Interested in one of our open positions?