James H. Miller Jr.

James H. Miller Jr. has extensive experience in credit underwriting and financial analysis within the banking sector. Currently serving as a Senior Credit Underwriter at First Central Savings Bank since April 2018, James is responsible for conducting annual credit reviews and assessing business loan requests. Prior roles include Chief Credit Underwriter at Indus American Bank and Senior Credit Analyst at Bayonne Community Bank, where responsibilities included underwriting loans and engaging with customers and senior management. James has also held positions as a Relationship Manager and Loan Portfolio Manager in various financial institutions, focusing on loan underwriting and portfolio management. James holds a Master’s Degree in Accounting from St. John's University, an MBA in Finance from Adelphi University, and a Bachelor of Science in Psychology from Fordham University.