Credit Technology Analyst II

How would you like to join one of the most highly regarded financial institutions in New Jersey with deep roots in the community? Provident is a successful and highly regarded multi-billion-dollar bank that continues to grow with branches in New Jersey, Eastern Pennsylvania and New York. Our longevity is a testament to our commitment to placing our employees, customers, and the communities we serve at the center of all we do. At Provident Bank, we are committed to enhancing our customer and employees’ experience.

POSITION SUMMARY:

The Credit Technology Analyst II position plays a critical role in the ongoing management and administration of the commercial loan origination system. Responsibilities include acting as a liaison between the Bank and the Vendor for system management and troubleshooting, collaborating with IT for system integration, supporting internal users (particularly within the Commercial Bank and Credit Administration), managing system workflows and enhancements, providing user training, and presenting findings to senior management. The role also includes assisting with financial spreads and cash flows for new and renewal credits as needed.

KEY RESPONSIBILITIES:

• Manage daily operations of the Commercial Loan Origination System, including troubleshooting, upgrades, and workflow enhancements.

• Serve as liaison with the Bank’s IT department and system vendor to ensure optimal system functionality and integration.
• Maintain and enhance the Commercial Loan Origination System user guide and standard operating procedures.
• Conduct training for new and existing users across departments.
• Develop and maintain reports for Commercial Bank and Credit Administration, including loan approvals, pipelines, exceptions, policy overrides, HMDA, CRA, and management reports.
• Create and maintain the Commercial Loan Approval form.
• Assist with entry-level spreads and cash flow preparation for new and renewal credits.
• Support smaller underwriting requests as needed.
• Perform other duties and special projects as assigned.

MINIMUM QUALIFICATIONS:

• Bachelor’s degree in Finance, Accounting, Management Information Systems, or Business Administration.

• Minimum of 5 years’ experience in the banking or financial services industry, with exposure to Credit Underwriting, Risk Management, or Management Information Systems.
• Strong credit underwriting and risk analysis skills.
• Advanced IT literacy, including troubleshooting, system design, report generation, and data analysis.
• Excellent interpersonal, written, and verbal communication skills.
• Ability to work independently with minimal oversight.
• Strong multitasking and time management skills.

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.

Provident Bank recognizes and supports the importance of creating a socially and culturally diverse employee base. We understand, value, and appreciate the unique perspectives that a diverse workforce can contribute to our organization. We put the employee and the customer at the center of strategy because culture is a critical differentiator for why people choose to work here.    

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.

Pay Details: $53,800 -$76,800 annually

Please note, the base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, education, geographic location, internal equity, and other applicable business and organizational needs. 

This role is incentive eligible based upon company, business, and/or individual goal achievement and performance.

Team members accrue paid time-off (PTO), receive Holiday (PTO) and are eligible to participate in the bank’s Health and Wellness benefits including Medical, Dental and Vision Plans, Flexible and Health Savings Accounts, and a 401(k) Retirement Plan. In addition, the company provides Disability Insurance, an Employee Assistance Program, and Basic Life Insurance. Company sponsored Tuition Disbursement and Loan Repayment programs are also available. Voluntary benefits include Supplemental Life Insurance, Accident, Critical Illness, Hospital Indemnity and Legal plans.