Commercial Credit Analyst Pennsylvania

Commercial Credit Analyst Opportunities throughout Pennsylvania

Provident Bank is seeking experienced Credit Analysts to join our growing team. Come learn why we are the Premier Super Community Bank. Provident Bank is a multi-billion-dollar bank with branches in New Jersey, Eastern Pennsylvania and New York. We are committed to enhancing our customer and employees’ experience and placing our employees, customers, and communities at the center of all we do.

Position Summary

As a Credit Analyst you will be responsible for detailed research and credit analysis of complex credit requests in Commercial Credit Underwriting C&I Regional Department. The incumbent is expected to have comprehensive knowledge of credit & risk analysis, credit rules, structuring of credits, regulations and documentation with the ability to exercise independent judgment within established Underwriting Guidelines and Credit Policy. The incumbent is expected to increasingly work with and assist the Commercial Loan Officers on customer calls and structuring deals.

The incumbent may have supervisory and mentorship responsibilities for junior Credit Analysts and will handle more complex and/or challenging assignments, including larger deals or those with high relationship exposure under Executive Leadership and Credit Committee Approval Authority (Level 8 &
9). The incumbent will also have a key role beyond credit work, including 3rd party vendor management, reporting, and special projects.

Key Responsibilities

• Prepare loan approvals, annual reviews and conduct credit analysis for new requests, as well as modifications and short-term extensions of existing loans.
• Accompany Commercial Loan Officers on customer and prospect calls. Participate in discussions with management regarding creditworthiness of proposed loan requests.
• Conduct third party research, including industry reports, personal credit reports, real estate analysis with market assessments, etc.
• Prepare reports and handle special assignments.
• Assist in 3rd party vendor management responsibilities.
• Subject to business needs, may have supervisory and mentorship responsibilities for junior Credit Analysts.

Minimum Qualifications

• Bachelor’s degree in finance, accounting or economics. MBA preferred.
• Formal credit training or higher banking education (e.g., Graduate School of Banking, Stonier).
• 3-10 years of experience in Commercial Banking.
• Thorough knowledge of underwriting, credit analysis, commercial loan structure, and regulatory guidance.
• Strong analytical skills with ability to identify strengths and mitigate risks.
• Strong knowledge of commercial real estate lending (investment, owner-occupied, and some construction).
• Proficiency in Commercial & Industrial lending including debt service coverage, cash flow, A/R and A/P, WIP, Borrowing Base Certificates, and construction budgets.
• Strong computer skills with loan origination software and MS Office (Word and Excel).
• Strong verbal and written communication skills.
• Ability to prioritize multiple projects and meet deadlines.
• Ability to conduct meetings, meet with customers, present information and respond to questions from peers, auditors and management.
• Strong understanding of accounting practices, including balance sheets, income statements, equity reconciliation, and cash flows.
• Ability to correspond, manage, and negotiate with 3rd party vendors under supervision.

Preferred Qualifications

• MBA
• Certification in Credit Risk or Credit Management preferred.

Working Conditions

Work is mainly performed in a normal office environment. Travel to customers and property locations may be required. Typical physical demands include prolonged sitting and occasional lifting of up to 10 lbs.

This job description may not be all-inclusive. Employees may perform other duties as assigned. Job descriptions and duties may be modified as needed by management. Provident Bank is an equal opportunity employer. We value diversity and are committed to creating an inclusive environment for all employees.

Pay Details

$51,200 - $105,100 annually. The base pay offered may vary based on skills, experience, location, internal equity, and other business needs. This role is incentive eligible based on company, business, and/or individual goals and performance. Benefits include PTO, holidays, health plans (Medical, Dental, Vision), FSA/HSA options, 401(k) with company match, disability insurance, EAP, basic life insurance, tuition assistance, and voluntary benefits.

Job Function

• Finance and Sales

Industry

• Banking

Referrals increase your chances of interviewing at Provident Bank.