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Relationship Manager II

 

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.  The position is considered the more experienced job in the job family.

  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.

30%

Oversee the preparation of loan presentation including detailed financial analysis and                                                                                                             20%

assessment of borrower's financial capacity and creditworthiness.

20%

Assesses lending risks, identifies offsetting mitigants and makes recommendations on loan                                                                                 

structure displaying sound credit judgment.

20%

Establishes and promotes customer and community relationships; cross sell other Bank                                                                                                                   15%

products and services; maintains continued awareness of market conditions and

competition; continues education in financing products and techniques.

15%

Manages all aspects of assigned loan portfolio with emphasis on covenant and bank policy                                                                                                       

compliance, credit quality and delinquency control.

10%

Facilitates closing of the loan transactions with strict compliance with approved terms                                                                                                                     5%

and conditions.

5%

 

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 in Accounting, Finance or Business Administration

  WORK EXPERIENCE

       5 to 10 years

  LICENSES AND/OR CERTIFICATES

        Licenses and Certifications                                                            Expiration Date

           None

       

WORKING CONDITIONS

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

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.

 

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 175 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 $28,000 in 2018. No item or donation is too small; we find a home for it all.


Nearest Major Market: Toms River