2664 Route 130
Cranbury, NJ 08512
J. Michael Fischer Jr. is a Vice President at First Bank in Denville, New Jersey. He positions himself as an advisor to his clients in assisting them with all of their banking and lending needs. His specialties include working capital lines of credit, commercial mortgages, equipment financing and tax exempt financing. Prior to joining the First Bank team, he served as Assistant Vice President/Commercial Relationship Manager at Fulton Bank of New Jersey.
Mr. Fischer earned a Bachelor of Arts Degree from Fairleigh Dickinson University, where he majored in International Business. Prior to becoming a lender, he went through a formal credit training program and worked as a Commercial Credit Analyst. It is through this training and his experience in the field, that has helped him to form his credit and sales approach.
“At First Bank, as a Community Banker I look beyond the basics of cash flow, collateral and character. All three are critical in my decision making process, however I strive to ask the questions that help me understand my customers, their businesses and most importantly, what keeps them up at night. Looking beyond the basics is critical to developing long term, meaningful relationships that survive both the good and bad times.”
Outside of First Bank, Michael is on the Planning Board for the March of Dimes in Clinton, New Jersey. He is active and serves as the Vice President of the Rainmakers of New Jersey and is involved with several other business networking groups