commercial credit analyst

The Provident Bank of New Jersey

<div><div><b>Provident Bank is seeking experienced Credit Analyst to join our growing team!</b></div><div><b>
Come learn why we are the Premier Super Community Bank!</b></div><div></div><div><br>
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&rsquo; experience.</div><div></div><div><b><br>
POSITION SUMMARY:</b></div><div>
As a Credit Analyst you will be responsible for detailed research and credit analysis of complex credit requests in Commercial Credit Underwriting C&amp;I Regional Department. The incumbent is expected to have comprehensive knowledge of credit &amp; 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 requests with the highest level of relationship exposure under Executive Leadership and Credit Committee Approval Authority &ndash; Level 8 &amp; 9). The incumbent will have a key role of consequence to the team outside of their credit related work. For instance, 3rd party vendor management responsibilities, reporting, and special projects.</div><div></div><div><b><br>
KEY RESPONSIBILITIES:</b></div><ul><li>
Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short-term extension of existing loans.</li><li>
Prepare loan approvals, annual reviews and conduct and credit analysis for new requests, in addition to modifications and short-term extension of existing loans.</li><li>
Accompany Commercial Loan Officers on customer and prospect calls. Participate in discussions with management regarding creditworthiness of proposed loan requests.</li><li>
Conduct third party research, inclusive of industry reports, personal credit reports, real estate analysis with market assessments, etc.</li><li>
Prepares reports and handles special assignments</li><li>
Assists in 3rd party vendor management responsibilities</li><li>
Subject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts.</li></ul><div></div><div><b><br>
MINIMUM QUALIFICATIONS:</b></div><ul><li>
Bachelor&rsquo;s degree in finance, Accounting or Economics. MBA preferred.</li><li>
Formal credit training or higher banking education (i.e. Graduate School of Banking, Stonier, etc).</li><li>
Seeking candidates with 3-10 years of experience in Commercial Banking.</li><li>
Thorough knowledge of underwriting, credit analysis, commercial loan structure, and regulatory guidance.</li><li>
Strong analytical skills with ability to identify strengths and mitigate risks.</li><li>
Strong knowledge of commercial real estate lending, inclusive of investment, owner-occupied and some construction.</li><li>
Proficient in Commercial &amp; Industrial lending including debt service coverage, cash flow, A/R and A/P, WIP, Borrowing Base Certificates, and construction budgets.</li><li>
Strong computer skills, inclusive of experience with loan origination software and MS Office applications (specifically MS Word and Excel).</li><li>
Strong verbal and written communication.</li><li>
Ability to prioritize multiple projects and complete them on time.</li><li>
Ability to conduct meetings, meet with customers, effectively present information and respond to questions from peers, auditors and various levels of management.</li><li>
Strong comprehension of accounting practices, inclusive of balance sheets, income statements, equity reconciliation, and cash flows.</li><li>
Under some supervision, ability to correspond, manage, and in certain cases negotiate with 3rd party vendors.</li></ul><div></div><div><b><br>
PREFERRED QUALIFICATIONS:</b></div><div>
MBA</div><div>
Certification in Credit Risk or Credit Management preferred.</div><div></div><div><b><br>
WORKING CONDITIONS</b></div><div>
Work is mainly performed in a normal office environment. Noise levels usually are moderate. May also involve travel to customers and property locations.</div><ul><li>
Prolonged sitting</li><li>
Lifting from 5 to 10 lbs. (printer paper, storage boxes)</li><li>
Occasional bending or overhead lifting (storing files or boxes)</li><li>
The hazards are mainly those present in a normal office setting.</li></ul><div></div><div><b><i><br>
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.</i></b></div><div></div><div><i><br>
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.</i></div><div></div><div><br>
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.</div><div><b><br>
Pay Details:</b></div><div>
$51,200 - $105,100 annually</div><div>
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.</div><div></div><div><br>
This role is incentive eligible based upon company, business, and/or individual goal achievement and performance.</div><div></div><div><br>
Team members accrue paid time-off (PTO), receive Holiday (PTO) and are eligible to participate in the bank&rsquo;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.</div></div>

Commercial Credit Analyst Opportunities throughout Pennsylvania

Commercial Credit Analyst Opportunities throughout New Jersey

Commercial Credit Analyst Opportunities throughout New York

FlagStar Bank

<div><div>Position Title</div>
Credit Products Analyst II<div></div><div>
Location</div>
Hicksville, NY 11801<div></div><div>
Job Summary</div>
Job Profile Summary<br>
The Commercial Credit Analyst II builds upon foundational credit experience by taking on more complex underwriting and portfolio management responsibilities. This role plays a key part in supporting Credit Products Specialists in assessing credit risk, structuring commercial loans, and monitoring portfolio performance. Analysts are expected to independently conduct financial analysis, prepare risk ratings, and provide insights on credit decisions, while continuing to refine industry expertise and technical skills.<br>
<br>
Pay Range: $64,022 - $83,229 - $102,436<div></div>
Pay Range: Local Minimum Wage - $0.00 - $0.00<div></div><div>
Job Responsibilities:</div><div><div>
Credit Risk Analysis &amp; Portfolio Management:</div></div><div><div><div><div><div><div><div><div><div><ul><li><div>
Conduct financial spreading and risk rating analysis.</div></li><li><div>
Perform detailed credit due diligence and industry research.</div></li><li><div>
Prepare annual and periodic credit reviews.</div></li><li><div>
Monitor borrower performance and track financial covenants.</div></li><li><div>
Recommend risk rating adjustments based on financial trends.</div></li></ul><div>
Loan Structuring &amp; Underwriting Support:</div><ul><li><div>
Assist Credit Products Specialists in structuring new loans and modifications.</div></li><li><div>
Prepare internal credit approval memoranda.</div></li><li><div>
Conduct market and collateral analysis.</div></li><li><div>
Review and interpret due diligence reports.</div></li><li><div>
Partner with Relationship Managers to prepare financing-related pitch materials.</div></li></ul><div>
Relationship &amp; Internal Collaboration:</div><ul><li><div>
Work closely with RMs, Credit Officers, and Credit Products Specialists to provide data-driven insights.</div></li><li><div>
Participate in client discussions and presentations as needed.</div></li></ul><div>
Special Projects &amp; Professional Development:</div><ul><li><div>
Contribute to process improvement initiatives.</div></li><li><div>
Continue professional development through credit training programs.</div></li><li><div>
Support policy updates and regulatory compliance efforts.</div></li></ul><div></div><div>
ADDITIONAL ACCOUNTABILITIES</div><ul><li><div>
Performs special projects, and additional duties and responsibilities as required.</div></li><li><div>
Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.</div></li></ul><div></div><div>
JOB REQUIREMENTS</div><div></div><div>
Required Qualifications:</div><ul><li><div>
Education level required: Undergraduate Degree (4 years or equivalent) in finance, accounting, economics, or a related discipline.</div></li><li><div>
Minimum experience required: 3+ Years in commercial banking, credit analysis, or a related field.</div></li></ul><div></div><div>
Preferred Qualifications:</div><ul><li><div>
Exposure to commercial credit structuring and deal underwriting beneficial.</div></li></ul><div></div><div>
Job Competencies:</div><ul><li><div>
Advanced Financial &amp; Credit Analysis: Proficiency in financial modeling, credit risk assessment, and industry research.</div></li><li><div>
Risk Assessment &amp; Decision-Making: Ability to analyze complex credit situations and recommend solutions.</div></li><li><div>
Process &amp; Portfolio Management: Strong skills in tracking financial reporting and monitoring credit agreements.</div></li><li><div>
Collaboration &amp; Influence: Works effectively with RMs, Credit Officers, and external partners.</div></li><li><div>
Problem Solving: Applies critical thinking to resolve credit issues and assess risk exposure.</div></li><li><div>
Technology &amp; Data Utilization: Proficient in financial analysis tools, CRM systems, and Excel (pivot tables, financial modeling).</div></li><li><div>
Physical demands (ADA): No unusual physical exertion is involved.</div></li></ul></div></div></div></div></div></div></div></div></div><div>
Flagstar is an Equal Opportunity Employer</div><div></div><div>
Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: <div><i>Benefits | Flagstar Bank</i></div></div></div>

Credit Products Analyst II

Origin Bank

<div><div>Summary Analyzes credit data to estimate degree of risk involved in extending credit or lending money to commercial businesses or individuals; Leads their respective teams; assumes the responsibilities of a manager by performing the following duties.</div><div></div><div>
Duties and Responsibilities include the following.</div><div>
Conduct thorough analysis of financial statements and assessment of credit requests on complex commercial</div><div>
credit relationships of $2,500,000 and greater.</div><ul><li>
Keep up to date with the company&rsquo;s lending protocols.</li><li>
Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision and a working knowledge of accounting principles and financial techniques</li></ul><ul><li>
Research skills</li><li>
Strong problem-solving, mathematical and analytical skills</li><li>
Excellent written and verbal communication skills</li><li>
Ability to maintain confidentiality</li><li>
Proficiency with computers and computer software, like programs that aid in statistical and financial calculations</li><li>
Proficiency with financial reports and statements</li><li>
Strong attention to detail and ability to notice discrepancies in data</li><li>
Impeccable understanding of financial statements, ratios, and concepts</li></ul><div></div><div>
The ideal candidate should be self-motivated, be a team player and have a strong work ethic.</div><ul><li>
Performs loan reviews/annual reviews on selected borrowers and guarantors for commercial credit relationships of $2,500,000 and greater.</li><li>
Performs cash flows, financial credit analysis, collateral valuations, global cash flows, etc. for commercial borrowers and guarantors on credit relationships of $2,500,000 and greater.</li><li>
Accompanies relationship managers on customer calls and site visits of potential and existing customers as requested / needed.</li><li>
Performs ongoing file maintenance to ensure credit information is uploaded to the credit file in a timely basis as needed.</li><li>
Identifies policy, collateral, and missing document exceptions.</li><li>
Identifies strengths and weaknesses of the relationship.</li><li>
Assists relationship managers in structuring credits, assessing covenants and monitoring procedures.</li><li>
Responsible for training and development of new relationship managers on the credit analysis process.</li><li>
Responsible for training, development, and mentoring of new credit analysts and the CDP analyst on the credit analysis underwriting and processes.</li><li>
Manages and develops Credit Analyst II / III in the department along with the CDP Analyst (Credit Analyst I).</li><li>
Distributes and assigns work flow based on knowledge and complexity in credit manager&rsquo;s absence.</li><li>
Assists Loan Committee, as needed, with reports, agenda, meeting book, minutes of meetings, and any other duties in Credit Analysis Manager's absence.</li></ul><div></div><div>
Supervisory Responsibilities</div><div>
Supervises employees of the Credit Analysis Department in manager&rsquo;s absence. May supervise and manage the Credit Analyst II / III. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include training employees; planning, assigning, and directing work; appraising performance in conjunction with management; rewarding and disciplining employees; addressing complaints and resolving problems.</div><div></div><div>
Competencies - To perform the job successfully, an individual should demonstrate the following competencies:</div><div></div><div>
Analytical - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail.</div><div></div><div>
Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully.</div><div></div><div>
Interpersonal Skills/Customer Service - Maintains confidentiality; Manages difficult or emotional customer situations; Responds promptly to customer needs; Meets commitments.</div><div></div><div>
Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Presents numerical data effectively.</div><div></div><div>
Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.</div><div></div><div>
Change Management and Delegation - Communicates changes effectively; Delegates work assignments.</div><div></div><div>
Leadership and Managing People - Exhibits confidence in self and others; Inspires and motivates others to perform well; Gives appropriate recognition to others; Makes self available to staff; Develops subordinates' skills and encourages growth; Continually works to improve supervisory skills.</div><div></div><div>
Organizational Support - Follows policies and procedures; Supports organization's goals and values.</div><div></div><div>
Judgment and Motivation - Displays willingness to make decisions; Exhibits sound and accurate judgment; Includes appropriate people in decision-making process; Makes timely decisions; Demonstrates persistence and overcomes obstacles.</div><div></div><div>
Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently.</div><div></div><div>
Professionalism - Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.</div><div></div><div>
Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner.</div><div></div><div>
Adaptability, Initiative and Innovation - Adapts to changes in the work environment; Manages competing demands; Able to deal with frequent change, delays, or unexpected events; Asks for and offers help when needed; Generates suggestions for improving work.</div><div></div><div>
Attendance/Punctuality and Dependability - Is consistently at work and on time; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals.</div><div></div><div>
Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</div><div></div><div>
Education and/or Experience</div><div>
Bachelor's degree (B. A.) from four-year college or university, Accounting or Finance degree preferred; seven or more years credit analysis experience required; or equivalent combination of experience in Credit / Banking.</div><div></div><div>
Computer Skills</div><div>
To perform this job successfully, an individual should have knowledge of basic knowledge of computer applications such as Moody&rsquo;s, the Internet, Outlook, Microsoft Word and Excel. Ability to use bank-specific software such as MPC, IBS, ADP, etc. Ability to use basic office machines.</div><div></div><div>
Bank Culture/Customer Service Skills</div><div>
Promotes the Bank&rsquo;s culture, including the support of our Brand promise and Core Values.</div><div>
Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.</div><div></div><div>
Physical Demands While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee is frequently required to walk and use hands to finger, handle, or feel. The employee is occasionally required to stand; reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.</div><div></div><div>
Work Environment The noise level in the work environment is usually moderate.</div><div></div><div>
This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank&rsquo;s changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank&rsquo;s sole discretion.</div><div></div><div>
Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. <div>Know Your Rights</div></div><div></div><div>
Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires further regulatory review and approval by management.</div></div><div></div>

Senior Commercial Underwriter

York State Bank

<div>Description:
<p>
Join our team! We are a growing community bank in southeast Nebraska. We are looking for a Credit Analyst in our York market. This person will use sound business and banking practices to perform credit analysis for ag &amp; commercial business clients, assisting lenders in the underwriting process. While servicing all loans, they will also assist the manager in loan production as needed.</p><p><b>
Key accountabilities for this role:</b></p><ul><li>
Analyze &amp; prepare loan applications for loan committee. Develop and maintain relationships. Provide services, analysis, and consultation on an ongoing basis.</li><li>
Assist in insuring a high level of credit quality. Assist in insuring that the loan portfolio is in compliance with all bank and regulatory policies and regulations.</li><li>
Prepare loan files and assist in insuring that all loan documents are properly prepared, loan files are kept current and relative, and appropriate information is forwarded to the holding company.</li><li>
Maintain or create specialized reports as necessary.</li><li>
Assist in developing strategies that maximize growth, earnings, and efficiencies on a short (1 year) and long term (3-5 years) basis.</li><li>
Perform customer visits, appraisals, inspections for customers as needed.</li><li>
Learn how the rest of the bank works as time permits.</li><li>
Exhibit professional behavior and promote positive working relationships.</li><li>
Required to adhere to all compliance policies and procedures.</li></ul>
Requirements:
<p><b>
Required: </b>Bachelor&rsquo;s Degree in Business or related field; Ability to read, interpret, and understand financial information; Strong credit skills; Understanding of applicable laws/regulations/compliance; Knowledge of computer software, including Microsoft Office Suite and Lending Cloud; Attention to Detail; Ability to give support to multiple people; Ability to relate to customers in a courteous and professional manner; Professional image; Ability to make sound, logical decisions and to organize, prioritize, and manage multiple projects; Ability to produce accurate results, to work independently and be a self-starter.</p><p><b>
Desirable:</b> Growth oriented. Understanding of applicable software.</p><p><i>
All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability status.</i></p><p><i>
EEO</i></p><p><i>
Member FDIC</i></p></div>

Credit Analyst

Worldpay

<p></p><div><p><b>Job Description</b></p><p><b>
Are you ready to write your next chapter?
</b></p><p></p><p>Make your mark at one of the biggest names in payments. We&rsquo;re looking for a <b>Credit Analyst</b> to join our ever-evolving North American Credit Operations team and help us unleash the potential of every business. Our first line of defense Credit Operations team strives to effectively underwrite merchant account submissions, perform customer due diligence, and minimize losses via fraudulent merchant identification</p><p></p><p><b>
What you&rsquo;ll own as a Credit Analyst</b></p><ul><li>
Provides analysis and interpretation of the customers' financial status for proper evaluation of risk and the establishment of proper credit limits</li><li>
Interacts with sales support, customer service, and accounts receivable in reconciling accounts</li><li>
Prepares recommendations and makes credit approval decisions on new accounts</li><li>
Monitors and communicates credit concerns to management</li></ul><p></p><p><b>
What you&rsquo;ll bring</b></p><ul><li>
Customer due diligence/know your customer experience.</li><li>
FinCEN and Fintrac experience preferred.</li><li>
Excellent time management and organizational skills</li></ul><p></p><p><b>
I</b><b>t&rsquo;s a bonus if you have</b></p><ul><li>
Have the willingness to go the extra mile!</li></ul><p></p><p><b>
About the team</b></p><p>
To learn more about our winning teams, check out our world-class teams that own it every day.</p><p></p><p><b>
What makes a Worldpayer</b></p><p></p><p>
What makes a Worldpayer? It&rsquo;s simple: Think, Act, Win. We stay curious, always asking the right questions and finding creative solutions to simplify the complex. We&rsquo;re dynamic, every Worldpayer is empowered to make the right decisions for their customers. And we&rsquo;re determined, always staying open and winning and failing as one.</p><p></p><p>
Does this sound like you? Then you sound like a Worldpayer. Apply now to write the next chapter in your career.</p><p></p><p>
#LI-AR1</p><p></p><p>
#IND2025</p><p></p><p><b><br>
Privacy Statement</b></p><p></p><p>
Worldpay is committed to protecting the privacy and security of all personal information that we process in order to provide services to our clients. For specific information on how Worldpay protects personal information online, please see the Online Privacy Notice.</p><p></p><p><b>
EEOC Statement</b></p><p></p><p>
Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here.</p><p></p><p>
If you are made a conditional offer of employment and will be working in the United States, you will be required to undergo a drug test. In developing this job description care was taken to include all competencies and requirements needed to successfully perform the position. Reasonable accommodations will be provided for individuals with qualified disabilities both during the hiring process, as well as to allow the individual to perform the essential functions of the job, if hired.</p><p></p><p><b>
Sourcing Model</b></p><p></p><p>
Recruitment at Worldpay works primarily on a direct sourcing model; a relatively small portion of our hiring is through recruitment agencies. Worldpay does not accept resumes from recruitment agencies which are not on the preferred supplier list and is not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company.</p></div>

Credit Analyst - Atlanta (Hybrid)

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