Credit Analyst IV - C&I

Provident Bank; Bethlehem (Northampton County); On-site; USD 108,000 - 154,000; Full time

Benefits offered by this job

Paid time off (PTO)

Medical, Dental and Vision plans

401(k) Retirement Plan

Disability Insurance

Employee Assistance Program

Tuition Disbursement & Loan Repayment

Job summary

Provident Bank in Bethlehem, PA, seeks a senior Credit Analyst IV – C&I to analyze and structure complex commercial credits with substantial exposure. You will partner with Commercial Loan Officers, lead discussions with management, and support deal structuring for sophisticated transactions requiring executive approvals.

You will mentor junior analysts, participate in department initiatives, and help ensure sound credit decisions within underwriting guidelines.

Qualifications

• Bachelor’s degree in finance, accounting or economics.
• 7+ years in commercial banking.
• Strong analytical skills with ability to identify strengths and mitigate risks.
• Proficiency in commercial real estate lending and related financial analyses.

Responsibilities

• Prepare loan approvals, annual reviews and credit analysis for new requests, including modifications and short-term extensions.
• Join customer and prospect calls with Commercial Loan Officers; discuss creditworthiness.
• Conduct third-party research including industry reports and real estate market assessments.
• Mentor and train junior analysts and support vendor management activities.

Skills

Credit underwriting

Credit analysis

Regulatory knowledge

Mentoring/leadership

MS Office / Excel

Education

Bachelor’s degree in finance, Accounting or Economics

Graduate School of Banking or Stonier-type credit training

Tools

Loan origination software

Job description

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The Credit Analyst IV – C&I is a senior underwriting role within the Commercial Credit Underwriting C&I Regional Department, responsible for analyzing and structuring complex commercial credit relationships with the highest levels of exposure. This position requires advanced expertise in credit and risk analysis, credit structuring, regulatory requirements, and documentation, along with the ability to exercise independent judgment in accordance with established Underwriting Guidelines and Credit Policy.

In this role, the Credit Analyst IV partners closely with Commercial Loan Officers, including participating in customer calls and supporting deal structuring for sophisticated transactions. The position handles highly complex credit requests, including larger transactions and credits requiring Executive Leadership and Credit Committee approval (Authority Levels 8 and 9).

Beyond core underwriting responsibilities, the Credit Analyst IV plays a key leadership role by mentoring and training less experienced analysts and contributing to broader department initiatives such as vendor management, reporting, and special projects. This role is critical to supporting sound credit decisions, relationship management, and the overall effectiveness of the Commercial Credit function.

KEY RESPONSIBILITIES

• Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short term extension of existing loans.
• Accompany Commercial Loan Officers on customer and prospect calls. Participate in discussions with management regarding creditworthiness of proposed loan requests.
• Conduct third party research, inclusive of industry reports, personal credit reports, real estate analysis with market assessments, etc.
• Prepares reports and handles special assignments
• Assists in 3rd party vendor management responsibilities
• Subject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts.

MINIMUM QUALIFICATIONS

• Bachelor’s degree in finance, Accounting or Economics.
• Formal credit training or higher banking education (i.e. Graduate School of Banking, Stonier, etc).
• 7 or more years in Commercial Banking.
• Thorough knowledge of underwriting, credit analysis, commercial loan structure, and regulatory guidance.
• Strong analytical skills with ability to identify strengths and mitigate risks.
• Strong knowledge of commercial real estate lending, inclusive of investment, owner-occupied and some construction.
• Proficient in Commercial & Industrial lending including debt service coverage, cash flow, A/R and A/P, WIP, Borrowing Base Certificates, and construction budgets.
• Strong computer skills, inclusive of experience with loan origination software and MS Office applications (specifically MS Word and Excel).
• Ability to prioritize multiple projects and complete them on time.
• Ability to conduct meetings, meet with customers, effectively present information and respond to questions from peers, auditors and various levels of management.
• Strong comprehension of accounting practices, inclusive of balance sheets, income statements, equity reconciliation, and cash flows.
• Credit underwriting confidence for the ability to mentor and train Credit Analyst III.
• Under some supervision, ability to correspond, manage, and in certain cases negotiate with 3rd party vendors.

PREFERRED QUALIFICATIONS

• MBA
• Certification in Credit Risk or Credit Management preferred.

WORKING CONDITIONS

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

• Prolonged sitting
• Lifting from 5 to 10 lbs. (printer paper, storage boxes)
• Occasional bending or overhead lifting (storing files or boxes)
• 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.

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.

$107,800 - $154,000 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.

About Provident Bank

For more than 180years, 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?

• We get to volunteer in areas that are meaningful to the bank and impactful in the community.
• Through generous contributions, we have raised over $912,000 in 2022. No item or donation is too small; we find a home for it all.