How would you like to join one of the most highly regarded community-focused financial institutions in the Tri-State area? Provident Bank is a high-performing, $14 billion company that continues to expand 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. Apply today and discover what our commitment to enhancing our employee and customer experience is all about.
POSITION SUMMARY
Under general direction, this position is responsible for origination, evaluation and structuring of complex loan requests and transactions. Additional responsibilities will include portfolio management and cross-selling other Bank products and increasing the bank's visibility in the marketplace.
MAJOR JOB RESPONSIBILITIES

• Solicits credit-worthy potential and existing customers in an effort to develop new business and increase or retain existing business within the framework of the policy and procedures of the Bank. Promotes profitable growth of the loan portfolio and maximum customer responsiveness.

• Oversee the preparation of loan presentation including detailed financial analysis and assessment of borrower's financial capacity and creditworthiness.

• Assesses lending risks, identifies offsetting mitigants and makes recommendations on loan structure displaying sound credit judgment.

• Establishes and promotes customer and community relationships; cross sell other Bank products and services; maintains continued awareness of market conditions and competition; continues education in financing products and techniques.

• Manages all aspects of assigned loan portfolio with emphasis on covenant and bank policy compliance, credit quality and delinquency control.

• Facilitates closing of the loan transactions with strict compliance with approved terms and conditions.

SUPERVISORY RESPONSIBILITIES
None
SKILLS AND TRAINING

• Comprehensive loan analysis experience.
• Comprehensive financial analysis experience.
• Comprehensive knowledge of underwriting techniques.
• Proven new business track record.
• Strong oral, written and communication and management skills.
• Proficient with software programs (Microsoft Word, Excel and Argus).

EDUCATION
Bachelor's degree required in Accounting, Finance or Business Administration.
WORK EXPERIENCE
5 to 10 years
LICENSES AND/OR CERTIFICATES
Licenses and Certifications
None
SUPERVISORY RESPONSIBILITIES
None
SKILLS AND TRAINING

• Comprehensive loan analysis experience.
• Comprehensive financial analysis experience.
• Comprehensive knowledge of underwriting techniques.
• Proven new business track record.
• Strong oral, written and communication and management skills.
• Proficient with software programs (Microsoft Word, Excel and Argus).

WORKING CONDITIONS
Work is performed in a normal office environment. Noise levels are usually moderate. May also involve travel to customers and property locations.
Featured Benefits

• Medical/Dental/Vision Insurance
• Flexible Savings Account
• 401(k)
• Tuition Disbursement and Reimbursement
• College Loan Pay Down Program

and other great benefits
HAZARDS
The hazards are mainly those present in a normal office setting and those present in commuting by car.
Occasionally may be exposed to those conditions present in public forums and meeting places.
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.
Military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law.
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 $912,000 in 2022. No item or donation is too small; we find a home for it all.