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POSITION SUMMARY

\nThis position is responsible for detailed research and credit analysis of complex credit requests for the Commercial Real Estate Department. The incumbent is expected to have comprehensive knowledge of all facets of commercial real estate, inclusive but not limited to credit & risk analysis, credit rules, regulations, cash flow analysis, project economics and valuation, guarantor analysis, market analysis and 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 - Level 8 & 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.

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.\nPrepare and analyze cash flows and project economics, detailed property descriptions and market analysis, tenancy analysis, property valuations, construction budget analysis with sources and uses, guarantor/sponsor personal financial statements and cash flows, and schedule of real estate holding analysis.\nAccompany Commercial Loan Officers on customer and prospect calls. Participate in discussions with management regarding creditworthiness of proposed loan requests.\nConduct third party research, inclusive of industry reports, personal credit reports, real estate analysis with market assessments, etc.\nPrepares reports and handles special assignments\nAssists in 3rd party vendor management responsibilities\nSubject to business needs may have supervisory and mentorship responsibilities for Junior Credit Analysts

MINIMUM QUALIFICATIONS

Bachelor's degree in Finance, Accounting or Economics. MBA preferred. Formal credit training or higher banking education (i.e. Graduate School of Banking, Stonier, etc). Minimum 7 years in credit underwriting for Commercial Real Estate. Thorough knowledge of underwriting, credit analysis, commercial loan structure, and regulatory guidance.\nStrong analytical skills with ability to identify strengths and mitigate risks.\nStrong knowledge of commercial real estate lending, specifically construction and permanent mortgages with property types that will include office, industrial, hotels/accommodation, retail, multifamily rental and for-sale, residential tract, customer single family and special use.\nProficient in CRE lending including debt service coverage, cash flow, construction budget, sources and uses, and identification of strengths/weaknesses and mitigants. Strong computer skills, inclusive of experience with loan origination software and MS Office applications (specifically MS Word and Excel).\nStrong verbal and written communication.\nAbility to prioritize multiple projects and complete them on time.\nAbility to conduct meetings, meet with customers, effectively present information and respond to questions from peers, auditors and various levels of management.\nCredit 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

Certification in Credit Risk or Credit Management preferred.

WORKING CONDITIONS

\nWork is mainly performed in a normal office environment. Noise levels usually are moderate. Prolonged sitting\nLifting from 5 to 10 lbs. (printer paper, storage boxes)\nOccasional bending or overhead lifting (storing files or boxes)\nThe hazards are mainly those present in a normal office setting.

Pay Details:

\n$107,800 - $154,000 annually\nPlease 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.\nTeam 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.","type","jobPosting","source","LC","accountId","36875421","organizationName","Provident Bank","applicationUrl","https://careers.provident.bank/job/paramus-credit-analyst-iv-cre-nj-07652/1428931900","Paramus, NJ","isRemote","location",{"_304":305,"_306":307},"createdAt","2026-09-15T02:54:39.753538364Z","updatedAt","2026-09-14T21:51:14.246Z","publishedAt","2026-09-11T00:00:00Z","expiresAt","2026-10-15T00:00Z","status","active","isExpired","isDiscoverable",true,"isSearchable","isSpotlight","isDraft","careerSkills",[188,189,190,191,192,193,194,195,196,197,198,199,200,201,202,203,204,205,206,207,208,209,210,211,212,213,214,215,216,217,218,219,220,221,222,223,224,225],"requiredEducation","4_college","benefitCategories",[184,185,186,187],"amount",130900,"isEmailRequired","isPhoneRequired","formattedDescription","

POSITION SUMMARY

This position is responsible for detailed research and credit analysis of complex credit requests for the Commercial Real Estate Department. The incumbent is expected to have comprehensive knowledge of all facets of commercial real estate, inclusive but not limited to credit & risk analysis, credit rules, regulations, cash flow analysis, project economics and valuation, guarantor analysis, market analysis and 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 - Level 8 & 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.

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.

Prepare and analyze cash flows and project economics, detailed property descriptions and market analysis, tenancy analysis, property valuations, construction budget analysis with sources and uses, guarantor/sponsor personal financial statements and cash flows, and schedule of real estate holding analysis.

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. MBA preferred. Formal credit training or higher banking education (i.e. Graduate School of Banking, Stonier, etc). Minimum 7 years in credit underwriting for Commercial Real Estate. 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, specifically construction and permanent mortgages with property types that will include office, industrial, hotels/accommodation, retail, multifamily rental and for-sale, residential tract, customer single family and special use.

Proficient in CRE lending including debt service coverage, cash flow, construction budget, sources and uses, and identification of strengths/weaknesses and mitigants. Strong computer skills, inclusive of experience with loan origination software and MS Office applications (specifically MS Word and Excel).

Strong verbal and written communication.

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.

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

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.

Pay Details:

$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.

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Credit Analyst IV - CRE

Credit Analyst - Teaneck, NJ