Credit Risk Analyst EDGE Program

At OceanFirst Bank, each one of our employees plays an important role in delivering value to our customers and executing daily tasks in accordance with our core values. We recognize that our employees are essential to our success, making OceanFirst a great place to work and do business. Great benefits include: on-site fitness facility at Red Bank and Toms River headquarter offices, employee perks & discount programs, tuition assistance, incentive compensation program, professional development opportunities, and more! Apply today to #BecomeOceanFirst and make an impact in the local community! The EDGE development program is a full-time, direct-position placement program for college graduates and early career professionals. The EDGE program is designed to help you build the skills that you need to be successful in your role. This program offers a variety of exciting career paths that will provide an opportunity to flourish in an inclusive environment as you learn the ins and outs of the Banking industry and build leadership and technical skills. Joining the OceanFirst Bank team will allow you to work in a fun, diverse environment where you'll gain exposure to the multitude of businesses within the company. In your first 18 months, you'll get the benefits of: Hands on experience in several departments throughout the organizations including frontline operational functions in our Customer Care Center and Branches.

Professional development courses including Communication, Leadership, Diversity and Inclusion, Teamwork, Networking, and additional Self-paced trainings offered in OFB University.

Mentorship and support throughout duration of program and beyond.

Peer collaboration opportunities to create bonds and lifelong relationships.

This role is based at our Toms River, NJ headquarters office, and the program is set to begin in June 2026.

ABOUT YOUR

ROLEEntry level position as part of OceanFirst's EDGE Program. Expectation is that employee will become a well-rounded banking professional by working in the Credit Risk Management department, and other departments critical to the operations of OceanFirst Bank. Primary and permanent position will be in the bank's Credit Risk Management Department where the employee will be trained as a Credit Risk Analyst. Assists the Chief Risk Officer, Chief Credit Risk Officer and Credit Risk Officer on risk management projects, with emphasis on data quality, data flow, and Board reporting.

WHAT YOU WILL DO

LISTWith guidance and direction from the Chief Credit Risk Officer, review existing credit portfolios for trends, ensuring compliance with internal policies and regulatory requirements. Provides support to the second line of defense by identifying, assessing and mitigating potential risks associated with extending credit to individuals, businesses, or other entities. Assists in the development, implementation, and maintenance of internal policies and control frameworks to capture, measure, aggregate, manage and report credit risk. Assists Credit Risk Team with trend analysis, stress testing and research to determine appropriate measures to minimize the impact of credit risks. Supports the Chief Risk Officer, Chief Credit Risk Officer and Credit Risk Officer in Board presentations, data governance and data management. Assists with other duties as assigned by Management.

WHAT WE EXPECT OF

YOUDemonstrated written and verbal communication, and listening skills. Demonstrated interpersonal skills, and proven ability to work in a team environment. Demonstrated analytical skills. Strong organizational skills, ability to set priorities in a multi-task environment and meet deadlines, with attention to detail. Ability to deal effectively with internal and external contacts. Effective analytical, organizational and technical skills with ability to reach logical conclusions.

YOUR QUALIFICATIONS

Bachelor's degree in Business, Finance, or Accounting with Business Analytics coursework preferred. Quantitative skill coursework and/or background a plus. Demonstrated work experience in an office environment; preferably in banking/financial services.

INTERNAL AND EXTERNAL

CONTACTSRegular contact with Chief Risk Officer, Chief Credit Risk Officer,Credit Risk Officer, and other lines of businesses. External contact with vendors and/or customers may be required.

WORKING CONDITIONS/PHYSICAL REQUIREMENTS

Office environment. Ability to operate a computer. Ability to communicate in order to exchange simple to complex information with individuals and groups. Ability to travel throughout Bank footprint.