Provident Bank is seeking an experienced Credit Analyst to join their growing team. The role involves detailed research and credit analysis of complex credit requests, working with Commercial Loan Officers, and training less experienced staff members.
Requirements
- Bachelor's degree in finance, Accounting or Economics. MBA preferred.
- Formal credit training or higher banking education (i.e. Graduate School of Banking, Stonier, etc).
- Seeking candidates with 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, inclusive of investment, owner-occupied and some construction.
- Proficient 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, inclusive of experience with loan origination software and MS Office applications (specifically MS Word and Excel).
- Strong verbal and written communication.
- Ability to prioritize multiple projects and complete them on time.
- Ability to conduct meetings, meet with customers, effectively present information and respond to questions from peers, auditors and various levels of management.
- Strong comprehension of accounting practices, inclusive of balance sheets, income statements, equity reconciliation, and cash flows.
- Under some supervision, ability to correspond, manage, and in certain cases negotiate with 3rd party vendors.
- Certification in Credit Risk or Credit Management preferred.
Benefits
- Paid time-off (PTO)
- Holiday (PTO)
- Health and Wellness benefits including Medical, Dental and Vision Plans
- Flexible and Health Savings Accounts
- 401(k) Retirement Plan
- Disability Insurance
- Employee Assistance Program
- Basic Life Insurance
- Company sponsored Tuition Disbursement and Loan Repayment programs
- Supplemental Life Insurance
- Accident
- Critical Illness
- Hospital Indemnity
- Legal plans
