Credit Analyst


Credit Analyst

Job Title: Credit Analyst

Department: Lending

FLSA Status: Non-Exempt

Job Summary

Under the limited supervision of the Chief Lending Officer, the incumbent is responsible for a wide range of credit related support functions. Responsibilities include gathering and analyzing credit information, leases and real estate appraisals on current and potential borrowers; determines the advisability of granting credit for diversified types of real estate loans; Prepares loan requests for Internal Loan Committee; Promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The Credit Analyst acts as a secondary point of contact for commercial real estate banking clients. A minimum of two years of banking experience and formal credit training is needed. Strong written and verbal communication skills required. Incumbent must be detailed oriented, organized and have a thorough knowledge of Microsoft Word and Excel.

Essential Functions

  • Reviews Commercial Real Estate Loan documentation at inception and annual review
  • Prepares and makes ongoing assessment relative to credit risk ratings for all commercial real estate loans.
  • Prepares Credit Analysis Packages
  • Enter loans in department application systems and prepare recommendation for term sheet.
  • Responsible for interviewing prospective borrower and loan officer for proper fact finding and preparation of loan offering.
  • Responsible for analyzing all credit reports, property search, appraisal, judgment search, environmental report, leases and other investigative reports as per department procedures and loan policy.
  • Responsible for daily tracking and following up for the timely receipt of reports, appraisals and applicant documentation to ensure the expedient processing of all loans.
  • Prepare any necessary correspondence to customers regarding needed financial information for new loan requests and annual review of each file.
  • Prepares annual reviews on commercial real estate lending relationships
  • Handle internal and external customer inquiries (phone and written correspondence).
  • Must be knowledgeable of the Bank’s computer system and departmental software applications.
  • Must have familiarity with all policies, products, documentation requirements and procedures relating to commercial real estate lending.
  • Must be familiar with and adhere to all lending compliance regulations. Must also know the Bank’s policy on Bank Secrecy Act and CIP Procedures.
  • Perform other duties as required for the efficient functioning of the department.

Supervisory Responsibilities

This job has no supervisory responsibilities.


To perform the job successfully, an individual should demonstrate the following competencies:

Analytical - Synthesizes complex or diverse information; uses intuition and experience to complement data; designs work flows and procedures.

Continuous Learning - Seeks feedback to improve performance; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others.

Job Knowledge - Competent in required job skills and knowledge; exhibits ability to learn and apply new skills; keeps abreast of current developments; displays understanding of how job relates to others; uses resources effectively.

Use of Technology - Demonstrates required skills; adapts to new technologies; uses technology to increase productivity; keeps technical skills up to date.

Design - Generates creative solutions; demonstrates attention to detail.

Problem Solving - Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics. 

Project Management - Completes projects on time and budget.

Customer Service - Responds to requests for service and assistance; meets commitments.

Communications - Expresses ideas and thoughts verbally; expresses ideas and thoughts in written form; exhibits good listening and comprehension; keeps others adequately informed; selects and uses appropriate communication methods.

Cooperation - Establishes and maintains effective relations; exhibits tact and consideration; offers assistance and support to co-workers; works cooperatively in group situations; works actively to resolve conflicts.

Oral Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; participates in meetings.

Teamwork - Balances team and individual responsibilities; exhibits objectivity and openness to others' views; gives and welcomes feedback; contributes to building a positive team spirit; puts success of team above own interests; supports everyone's efforts to succeed.

Written Communication - Writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; presents numerical data effectively; able to read and interpret written information.

Team Leadership - Supports group problem solving; ensures progress toward goals; acknowledges team accomplishments.

Leadership - Exhibits confidence in self and others; accepts feedback from others.

Managing People - Improves processes, products and services.

Quality Management - Looks for ways to improve and promote quality; demonstrates accuracy and thoroughness.

Visionary Leadership - Displays passion and optimism; inspires respect and trust; mobilizes others to fulfill the vision.

Business Acumen - Understands business implications of decisions; demonstrates knowledge of market and competition; aligns work with strategic goals.

Conflict Resolution - Encourages open communications; confronts difficult situations; maintains objectivity; keeps emotions under control; uses negotiation skills to resolve conflicts.

Impact & Influence - Achieves win-win outcomes.

Diversity - Demonstrates knowledge of EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes a harassment-free environment; builds a diverse workforce.

Ethics - Treats people with respect; keeps commitments; inspires the trust of others; works with integrity and principles; upholds organizational values.

Organizational Support - Follows policies and procedures; completes administrative tasks correctly and on time; supports organization's goals and values; benefits organization through outside activities; supports affirmative action and respects diversity.

Strategic Thinking - Understands organization's strengths & weaknesses.

Adaptability - Adapts to changes in the work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays, or unexpected events.

Consultative Selling - Builds rapport and establishes trust; asks questions to discover client business needs; applies product and market knowledge effectively; manages and documents sales process.

Achievement Focus - Demonstrates persistence and overcomes obstacles; measures self against standard of excellence; recognizes and acts on opportunities.

Personal Appearance - Dresses appropriately for position; keeps self well groomed.

Attendance/Punctuality - Is consistently at work and on time; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time.

Dependability - Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals.; completes tasks on time or notifies appropriate person with an alternate plan.

Initiative - Volunteers readily; undertakes self-development activities; seeks increased responsibilities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.

Innovation - Displays original thinking and creativity; meets challenges with resourcefulness; generates suggestions for improving work; develops innovative approaches and ideas; presents ideas and information in a manner that gets others' attention.

Judgement - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process; makes timely decisions.

Planning/Organizing - Uses time efficiently.

Quality - Demonstrates accuracy and thoroughness; looks for ways to improve and promote quality; monitors own work to ensure quality.

Quantity - Meets productivity standards; completes work in timely manner; strives to increase productivity; works quickly.

Safety and Security - Observes safety and security procedures; determines appropriate action beyond guidelines; reports potentially unsafe conditions ; uses equipment and materials properly.


To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

Associate's degree or equivalent from two-year college or technical school; and two or more years of job related experience and/or training; or equivalent combination of education and experience.

Language Skills

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.  Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.

Mathematical Skills

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

Reasoning Ability

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.  Ability to deal with problems involving several concrete variables in standardized situations.

Computer Skills

To perform this job successfully, an individual should have knowledge of Excel Spreadsheet software.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to use hands to handle and talk or hear.  The employee is frequently required to sit. The employee is occasionally required to stand and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, color vision, depth perception and ability to adjust focus.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually quiet.



To Apply

We offer competitive compensation, medical, dental and vision benefits, 401(k) and career growth opportunity.  

To apply, submit your resume to:

Human Resources
Bogota Savings Bank
819 Teaneck Road
Teaneck, New Jersey 07666



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