CRE Credit Analyst III

Provident Bank, a multi billion dollar NJ bank with branches in NJ and eastern PA, has an opportunity for an experienced commercial real estate credit analyst.  To be considered candidates must have a minimum of five years related experience.


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!



Under close direction, this position prepares comprehensive Loan Offering Analyses that evaluate the prospective financing of commercial real estate properties, incorporating complex underwriting to include cash flow analysis, project economics and valuation, guarantor analysis, market analysis and recommendation.  The loans will include both commercial construction and commercial permanent mortgages and property types will include office, industrial, retail, multifamily rental and for-sale, residential tract, custom single family and special use.  Other responsibilities will include certain aspects of portfolio management, and completing special projects as needed and directed by the department head.  This is considered the  advanced level.  Incumbent is expected as a professional to have broad working knowledge of commercial real estate and lending procedures.  Displays independent judgment within established guidelines and policies.



Prepares Loan Offering Analyses which include the following:                                 

  • Detailed property descriptions and market analysis including location, demographics and comparables.
  • Project economics, income and expense analysis, tenancy analysis, property valuations and discounted cash flow models.
  • Construction budget analysis with determination of sources and uses of funds.
  • Borrower and Guarantor analysis including financial statement spreads, cash flow analysis and real estate holding analysis.
  • Assess lending risks, clearly identify offsetting mitigates and summarize recommendations.




Participates in customer calls and property inspections.                                          


Completes special projects as directed by the department head, which may             

 involve detailed complex analysis




       Assist in the training of less experienced CRE Loan Analysts as needed within the department at the direction of the CRE Underwriting Manager.



       Comprehensive Commercial Real Estate analysis experience.

       Proficient with software programs (Microsoft Word, Excel & Argus), financial analysis programs and discounted cash flow models.

       Comprehensive financial analysis experience.

       Strong verbal and written communication and analytical skills.


       Bachelor’s degree


       5  or more years in Commercial Real Estate



Work is mainly performed in a normal office environment.  May include some travel.


The hazards are mainly those present in a normal office setting and those associated with driving a motor vehicle.

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.

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.