Relationship Manager III - Middle Market Lending

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’ experience. 

POSITION SUMMARY:

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. 

KEY 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.
• Oversees 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.
• Mentor the junior Relationship Managers on the team

MINIMUM QUALIFICATIONS:

• Bachelor’s degree in Accounting, Finance or Business Administration
• Minimum 10 years’ experience commensurate with job function
• 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 and Excel).

WORKING CONDITIONS

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

• 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.

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.    

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.