C & I Underwriting Manager

How would you like to join one of the most highly regarded community-focused financial institutions in the Tri-State area?  Provident Bank is a high-performing, $14 billion company that continues to expand 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.  Apply today and discover what our commitment to enhancing our employee and customer experience is all about.  



Under general direction from the Commercial Credit Underwriting Director, this position plays a critical role in the commercial credit underwriting process and is responsible for oversight of the various underwriting activities, inclusive but not limited to assignment to work, work in progress management, reviewing and making necessary recommendations to all underwriting documents, risk rating recommendations, and review of loan policy compliance.  The Team Leader is responsible for conducting the highest of quality review and analysis of financial and qualitative risk factors of each loan presentation, of both new and existing customers.  Ensures timely turnaround of deals assigned to Credit Analysts by proper scheduling of assignments and balancing workload.  Collaborates and works cooperatively with the various members of the Commercial Bank and management to ensure service level agreements and customer expectations are met in a timely fashion.  Proven attention to detail with C&I underwriting expertise, requiring minimal supervision or guidance from the Commercial Credit Underwriting Director on a daily basis.  Provides mentorship and training to all levels of Credit Analysts (Level I – IV) to promote growth from within.  Additional responsibilities include but are not limited to: assisting with vendor management, preparation of quarterly WIP report, periodic reviews for policy and compliance management purposes, etc.  Responsible for the performance reviews for the regional analysts and goal setting and monitoring.  Periodically meets with the Commercial Credit Underwriting Director and Commercial Bank management to review workflow management and escalation of any concerns regarding financial performance or deal structure.  Participation in leadership meetings with representation from Credit Underwriting and Commercial Lending to ensure consistent communication across lines of business.


  • Review underwriting packages for the regional credit analysts to ensure accuracy in loan analysis, proper risk rating, and adherence to loan policy.
  • Responsible for managing day-to-day credit activities as it pertains to the regional Commercial Lending Department workflow for the Commercial Credit Underwriting Department. Including interaction with Department Heads and leadership of the Commercial Bank on a regular basis.                                                                                      
  • Consistently reviews workflow and analysis product for efficiency and effectiveness when needed, will perform annual reviews of staff and handle warnings and any other disciplinary actions needed for the regional credit analysts.                                        
  • Acts as a mentor to the underwriting team and train less experienced CRE analysts.  Participate in special projects as assigned in additional to various vendor management responsibilities.
  • May be required to assist or underwrite complex credits from time to time as needed



Supervises the team of regional Credit Analysts. This includes interviewing, training and managing employees; planning, assigning and directing work; and addressing and resolving employee complaints and concerns.



Strong commercial credit underwriting and risk analysis skills.

Strong analytical skills with ability to identify and mitigate risks.

Comprehensive knowledge of commercial loan deal structures.

Strong communication skills necessary to effectively interact with management, department heads and relationship managers and effectively assist in mentoring staff.

Proficient in Commercial & Industrial underwriting and lending including spreads, debt service coverage,  and both business and personal cash flow; general knowledge of Commercial Real Estate Underwriting for owner occupied and investment purposes.

Ability to conduct meetings, effectively present information and respond to questions from peers, auditors and various levels of management.

Excellent managerial skills as well as the ability to exercise judgment and resourcefulness in resolving employee questions and issues.

Excellent computer skills, including strong knowledge of and the ability to practically apply modern office software.

Ability to prioritize multiple projects.      



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



  • Minimum 10 years in banking or financial services industry with 5+ years directly in Credit.
  • Prior lending and approval authority a plus
  • Formal Credit Training preferred
  • Management Experience required



        Licenses and Certifications                                                              Expiration Date

         None required     



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



The hazards are mainly 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.


Featured benefits

  • Medical/Dental/Vision Insurance
  • Flexible Savings Account
  • 401(k)
  • Tuition Disbursement and Reimbursement
  • College Loan Pay Down Program
  • and other great benefits


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.

About Provident Bank

For more than 180 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: New York City