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Robert M. Smutko has a diverse range of work experience spanning various industries. Robert M. currently holds the position of Credit Analyst II at OceanFirst Bank, which they started in April 2021. Prior to this, they worked as a Credit Analyst at Amboy Bank from August 2020 to April 2021, focusing primarily on Commercial Real Estate and Construction loans.

From April 2017 to July 2020, Robert worked as a Credit Analyst at First Bank NJ, where they gained strong experience in Commercial Real Estate and Commercial Industry loans. Robert M. also performed portfolio manager duties for some of the bank's largest clients and analyzed loan relationships with exposure up to forty-two million dollars.

Before joining First Bank NJ, Robert worked as a Credit Analyst at First Commerce Bank from January 2016 to April 2017. In this role, they were responsible for underwriting commercial credit decisions and had experience with loan products from the Small Business Association.

Robert's earlier work experience includes roles as a Wellness Coach and Camp Counselor at The Atlantic Club from September 2010 to June 2015, and June 2010 to August 2014, respectively. Robert M. also worked as a Financial Intern at Merrill Lynch from September 2010 to December 2010, where they collaborated with prospective financial planning clients and communicated with international clients.

Robert M.'searliest work experience dates back to June 2004, when they started working as a Camp Counselor at Freehold Parks and Recreation. Robert M. held this position until August 2009.

Robert M. Smutko has a diverse education history. Robert M. began their academic journey at Colts Neck High School, where they completed their high school education from 2005 to 2009. Following this, they attended Brookdale Community College from 2009 to 2011, earning an Associate of Arts (A.A.) degree with a focus on Accounting.

Continuing to pursue their passion for accounting, Smutko transferred to Rutgers University in 2011. The available information does not specify the degree they pursued at Rutgers, but it can be assumed that it was related to Accounting based on their overall educational background.

After their time at Rutgers, Smutko furthered their education at New Jersey City University. From 2013 to 2015, they pursued a Bachelor's Degree in Accounting. This educational milestone demonstrates their commitment to deepening their knowledge and expertise in the field.

In addition to their formal education, Smutko has also acquired various certifications to enhance their professional profile. Robert M. obtained the Analyzing Business Tax Returns certification from the Risk Management Association (RMA) in October 2017. A year later, in November 2018, they completed the Commercial Lending School offered by the Center for Financial Training (CFT). Most recently, in March 2023, Smutko obtained the CCBCA - Certified Community Bank Credit Analyst certification from the Independent Community Bankers of America (ICBA).

Overall, Robert M. Smutko's education history showcases their dedication to learning and professional growth in the field of Accounting, as well as their commitment to acquiring relevant certifications to enhance their skills and credentials.