Credit Analyst/Credit Officer

Description:

The Provident Bank, established in 1828, is a vibrant and dynamic, mutually chartered bank with a commercial focus. This is a great opportunity for the right individual to be part of a strong team. Professional maturity and the demonstrated ability to work well with all other members of the organization are required.

***Previous banking experience as a credit analyst is required***

Duties:

FUNCTION:

Assists lenders with preparation of the commercial and commercial real estate loan proposal packages.  Analyzes business and personal financial statement information and assesses the credit worthiness of the borrower and/or guarantors.  Assesses debt service capacity and collateral coverage to ensure that proposed loan is in compliance with bank Loan Policy.  Compiles borrower background and references, as well as, market and industry information.  Performs a risk rating analysis to determine the overall level of risk associated with the loan relationship. 

Regular Duties:

• Performs commercial and commercial real estate credit analysis and prepares loan proposal packages for approval.
• Performs annual review/renewal of existing commercial and commercial real estate relationships; verifies that risk to bank is unchanged; recommends risk grade change as appropriate.
• Reviews third party appraisal reports, environmental reports and construction loan management reports prior to the subject loan closing.
• Prepares various monthly management reports as assigned.
• Assumes additional responsibilities as requested.

Required Behaviors/Practices:

• Is friendly, courteous and has a positive attitude
• Acts maturely and professionally to customers and co-workers
• Presents professional, business-like appearance in manner of attire and personal grooming
• Is a team player, looking to see what additional assistance can be given, and asking for help from team members when needed
• Keeps personal problems at home, and seeks appropriate channels for concerns, issues, problems by working with supervisory personnel and/or Human Resources.
• Communicates effectively with customers, co-workers and supervisors

Knowledge/Skills/Experience Requirements:

• Analytical skills
• Understanding of balance sheets, income statements, and cash flow.
• Understanding of real estate trends and market conditions.
• Microsoft Word/Excel/Outlook
• Medici Documenter
• Ability to work closely with others and manage workflow based on time constraints.

Physical Demands/Conditions Requirements:

• Personal Computer
• Desk work
• Ability to independently transport Credit and legal folders (pulled and filed)

Equipment Used:

• Computer
• Fax
• Copier
• Telephone
• Adding machine/calculator

For more information, or to apply now, you must go to the website below. Please do not email your resume to us as we only accept applications through our website.

https://theprovidentbank.iapplicants.com