Provident Bank is in growth mode and we are building a high-performing Middle Market Lending Team!

POSITION SUMMARY

The Relationship Manager / Team Leader – Middle Market Lending is responsible for leading a team of Relationship Managers while directly contributing to the origination, structuring, and management of complex middle market credit relationships.

This role oversees a portfolio of privately held middle market clients (generally $100MM–$1B in revenue) and is accountable for driving new business development, maintaining strong credit quality, and ensuring disciplined risk management practices.

The Team Leader serves as both a producing leader and a strategic partner, fostering team performance, mentoring talent, and delivering comprehensive banking solutions through cross-functional collaboration across Treasury Management, Deposits, Wealth Management, and other commercial product groups.

KEY RESPONSIBILITIES:

Business Development & Revenue Growth

• Lead and execute market strategy for middle market lending growth, including new client acquisition and expansion of existing relationships.
• Actively originate and structure complex lending opportunities while maintaining a personal production portfolio.
• Expand the Bank’s presence through Centers of Influence, industry networks, and community engagement.
• Drive cross-sell initiatives across Treasury Management, Deposits, Wealth, and other fee-based solutions.

Credit Leadership & Loan Structuring

• Oversee and ensure quality of credit underwriting, loan structuring, and risk evaluation for team-originated transactions.
• Review and guide loan presentations, ensuring comprehensive financial analysis, cash flow assessment, and adherence to policy.
• Provide guidance on structuring complex transactions, balancing growth objectives with sound credit discipline.

Portfolio Management & Risk Oversight

• Maintain oversight of team portfolio performance with a focus on credit quality, covenant compliance, and risk identification.
• Ensure early identification and escalation of problem credits in partnership with Credit and Risk teams.
• Monitor portfolio concentrations, trends, and emerging risks within the middle market segment.
• Ensure all transactions are executed and closed in compliance with approved terms and regulatory requirements.

Team Leadership & Talent Development

• Lead, coach, and develop Relationship Managers and Portfolio Managers, fostering a high-performance, accountability-driven culture.
• Set clear production, portfolio, and cross-sell expectations aligned with business objectives.
• Participate in hiring, onboarding, performance management, and succession planning.
• Serve as a subject matter expert and mentor, supporting team members in deal structuring, client engagement, and credit decisions.

Collaboration & Strategic Execution

• Partner closely with Credit, Treasury Management, Operations, Risk, and senior leadership to deliver a seamless client experience.
• Drive consistency in execution of sales and credit processes across the team.
• Maintain strong awareness of market conditions, competitive landscape, and industry-specific risks impacting middle market clients.

SKILLS AND TRAINING REQUIRED:

• Advanced expertise in credit analysis, underwriting, and loan structuring
• Strong leadership and team development capabilities
• Proven track record of originating and growing profitable commercial relationships
• Deep understanding of middle market financial structures and risk dynamics
• Strong analytical, negotiation, and decision-making skills
• Excellent executive-level communication and presentation skills (clients and credit committees)
• Proficiency in Microsoft Office (Word, Excel)

WORK EXPERIENCE:

• Minimum of 12–15 years of progressive commercial lending experience

• Significant experience in middle market relationship management and credit
• Prior leadership or team management experience strongly preferred

EDUCATION:

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field required

SUPERVISORY RESPONSIBILITIES:

Carries out supervisory responsibilities in accordance with the organization's policies. This includes interviewing, hiring, training and managing employees; planning, assigning and directing work; appraising performance; rewarding and disciplining employees and addressing and resolving employee complaints and concerns

OTHER DUTIES:

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

WORKING CONDITIONS: Select one of the options (conditions are based on role and department)

• Prolonged sitting
• Lifting from 5 to 10 lbs (printer paper, storage boxes)
• Occasional bending or overhead lifting (storing files or boxes)

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, they 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.

Pay Details:

$200,000 - $255,000/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 participates in a lucrative incentive plan, tied to 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.