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Credit Analyst II

Bethlehem, Pennsylvania

 

  

The Provident Bank, a multi-billion dollar New Jersey based bank with branches in New Jersey and Eastern PA has an opportunity for an experienced commercial crfedit underwriter preferrably with 3 to 5 years Commercial Lending Underwriting experience for a Commercial Lending Credit Analyst II opportunity in the Lehigh Valley, PA area.

 

We offer a competitive compensation and benefits package that includes medical/dental/life insurances, 401(k) with match, Employee Stock Ownership Plan, tuition plans, Student Loan Paydown program, generous paid time off and more!

 

Starting salary for this position will range from $47,600 to approximately $78.000 based on qualifications and experience.

 

POSITION SUMMARY

Under general direction, this position is responsible for detailed research and credit analysis of credit requests of increasing complexity in Commercial Credit Underwriting. This is an intermediate position.  The incumbent is expected to be proficient in credit & risk analysis, credit rules, regulations, and documentation with the ability to exercise independent judgment within established Underwriting Guidelines and Credit Policy.

 

MAJOR JOB RESPONSIBILITIES

      

Analyze customer and prospect financial information for renewals and new business.

10%

Prepare loan approval and credit analysis.

70%

Spread financial statements and verify covenant compliance.

10%

Accompany Commercial Loan Officers on customer and prospect calls.  Participate in discussions with management regarding creditworthiness of proposed loan requests.

10%

 

 

SUPERVISORY RESPONSIBILITIES

       None


SKILLS AND TRAINING

       Proficient underwriting and credit analysis skills.

       Developed analytical skills with ability to highlight and mitigate risks.

       Knowledge of commercial real estate lending.

       Proficient in Commercial & Industrial lending including debt service coverage and cash flow.

       Strong knowledge of and the ability to practically apply, modern office software (MSword, Excel).

       Strong verbal and written communication.

       Ability to prioritize multiple credit requests and complete them on time.

       Good grasp of accounting.

 

EDUCATION

Bachelor’s degree in Finance, Accounting or Economics.  MBA preferred.

 

WORK EXPERIENCE

3 - 5 years commercial credit underwriting experience.

 

LICENSES AND/OR CERTIFICATES

None

 

WORKING CONDITIONS

Work is mainly performed in a normal office environment.  Noise levels usually are moderate.

 

HAZARDS

The hazards are only those present in a normal office setting.

 

This job description may not be all-inclusive.  Employees are expected to perform other duties as assigned and directed by management.  Job descriptions and duties may be modified when deemed appropriate by management.

 

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law.

 

*LI-POST

 


About Provident Bank

For more than 175 years, Provident Bank has served individuals, families, and businesses in our local communities with personal and business banking services.

Volunteering is a Way of Life

Our brand promise - “Commitment you can count on” - supports the investments we make in the community and donations made by our employees. It’s a promise also reflected in the volunteerism of our employees, who lend time and talent and countless hours to assist hundreds of organizations and thousands of people and animals each year.

Why do we love it?

  1. We get to volunteer in areas that are meaningful to the bank and impactful in the community.
     
  2. Through generous contributions, we have raised over $28,000 in 2018. No item or donation is too small; we find a home for it all.


Nearest Major Market: Allentown