Credit Analyst IV - C&I

Provident Bank•Plymouth Township, PA

1d•$107,800 - $154,000

About The Position

The Credit Analyst IV – C&I is a senior underwriting role within the Commercial Credit Underwriting C&I Regional Department. The position analyzes and structures complex commercial credit relationships with the highest levels of exposure, applying advanced expertise in credit and risk analysis, credit structuring, regulatory requirements, and documentation. The analyst exercises independent judgment in accordance with established Underwriting Guidelines and Credit Policy and handles highly complex requests, including larger transactions and credits requiring Executive Leadership and Credit Committee approval (Authority Levels 8 and 9). The Credit Analyst IV partners closely with Commercial Loan Officers, participates in customer calls, and supports deal structuring for sophisticated transactions. The role also mentors and trains less experienced analysts and contributes to department initiatives such as vendor management, reporting, and special projects. The position supports sound credit decisions, relationship management, and the effectiveness of the Commercial Credit function. Work is mainly performed in a normal office environment, where noise levels are usually moderate. The position may involve prolonged sitting, lifting items weighing 5 to 10 pounds, and occasional bending or overhead lifting. Hazards are mainly those present in a normal office setting. The role is incentive eligible based on company, business, and/or individual goal achievement and performance. Pay is $107,800–$154,000 annually; the base pay offered may vary based on skills and experience, job-related knowledge, education, geographic location, internal equity, and other business and organizational needs.

Requirements

Bachelor’s degree in finance, accounting, or economics.
Formal credit training or higher banking education, such as Graduate School of Banking or Stonier.
Seven or more years of experience in Commercial Banking.
Thorough knowledge of underwriting, credit analysis, commercial loan structure, and regulatory guidance.
Strong analytical skills and ability to identify strengths and mitigate risks.
Strong knowledge of commercial real estate lending, including investment, owner-occupied, and some construction lending.
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, including experience with loan origination software and MS Office applications, specifically Word and Excel.
Strong verbal and written communication skills.
Ability to prioritize multiple projects and complete them on time.
Ability to conduct meetings, meet with customers, present information effectively, and respond to questions from peers, auditors, and various levels of management.
Strong comprehension of accounting practices, including balance sheets, income statements, equity reconciliation, and cash flows.
Confidence in credit underwriting sufficient to mentor and train Credit Analyst III colleagues.
Under some supervision, ability to correspond with and manage third-party vendors and, in certain cases, negotiate with them.

Nice To Haves

MBA.
Certification in Credit Risk or Credit Management.

Responsibilities

Prepare loan approvals and annual reviews, and conduct credit analysis for new requests, modifications, and short-term extensions of existing loans.
Accompany Commercial Loan Officers on customer and prospect calls and participate in discussions with management regarding the creditworthiness of proposed loan requests.
Conduct third-party research, including industry reports, personal credit reports, real estate analysis, and market assessments.
Prepare reports and handle special assignments.
Assist with third-party vendor management responsibilities.
Depending on business needs, take on supervisory and mentorship responsibilities for junior Credit Analysts.
Mentor and train Credit Analyst III colleagues.
Correspond with, manage, and in certain cases negotiate with third-party vendors.

Benefits

Paid time off (PTO) accrual and holiday PTO.
Eligibility to participate in 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.
Voluntary Supplemental Life Insurance, Accident, Critical Illness, Hospital Indemnity, and Legal plans.
Incentive eligibility based on company, business, and/or individual goal achievement and performance.