Thank you for your interest in working for Highlands State Bank. We are currently accepting applications for the positions below.

Please review the listings below for more information about each opening. Highlands State Bank is an Equal Opportunity Employer.

Full Time Credit Analyst I — Vernon, NJ

Highlands State Bank is seeking a Full Time Credit Analyst I for their Vernon Branch. All candidates must have a Bachelor's Degree in Finance, Accounting, or Business and/or equivalent experience. All candidates must have a minimum of 3 years of related commercial credit experience. All candidates must have experience with a financial spreading system, preferably Baker Hill.

Responsibilities include:

  • Financial analysis of loans, industries, and customers
  • Analyzing financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk
  • Maintain credit files and monitor data such as updated financial statements
  • Participate in customer meetings and make direct inquiry for specific customer information based on prior research, experience and knowledge (may require travel at times)
  • Performing underwriting analysis of Borrower’s character, credit worthiness and financial condition
  • Support the lending function by providing analytical support
  • Monitor compliance with regulatory requirements
  • Achieve operational performance standards in quality and timeliness
  • Attend site visits as needed or as requested


  • Basic knowledge of credit and financial analysis techniques
  • Strong oral and written communication skills
  • Strong analytical and research skills
  • PC skills including proficiency and capability in word processing and spreadsheets software
  • Ability to meet deadlines
  • Ability to maintain the confidentiality of credit and customer information
  • Good interpersonal skills and team orientation

Please send resume and salary requirements to the Human Resources department at