Credit Analyst III


Under minimal supervision, this position is responsible for detailed research and credit analysis of complex credit requests in Commercial Credit Underwriting.  This is a senior position.  The incumbent is expected to have comprehensive knowledge of credit & risk analysis, credit rules, structuring of credits, regulations and documentation with the ability to exercise independent judgment within established Underwriting Guidelines and Credit Policy.  At this level, the incumbent is expected to increasingly work with and assist the Commercial Loan Officers on customer calls and structuring deals.  The incumbent will show leadership in training less experienced staff members and handle more complex and/or challenging assignments (e.g., larger deals or complicated request with greater exposure to the Bank).  The incumbent will have a key role of consequence to the team outside of their credit related work.  For instance, being an Administrator of the Credit Quest workflow software.



  • Analyze customer and prospect financial information for renewals and new business                                                                                                               
  • Prepare loan approval and credit analysis, assist in structuring loans
  • Spread financial statements and verify covenant compliance
  • Accompany Commercial Loan Officers on customer and prospect calls
  • Participate in discussions with management regarding creditworthiness of proposed loan requests
  • Prepares reports and handles special assignments



  • Thorough knowledge of underwriting and credit analysis.
  • Strong 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 projects and complete them on time.
  • Ability to conduct meetings, effectively present information and respond to questions from peers, auditors and various levels of management.
  • Sound grasp of accounting.



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



7 or more years in commercial banking



Certification in Credit Risk or Credit Management preferred



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



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.

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