CML Relationship Manager - Lehigh Valley PA Markets

Provident Bank; Bethlehem (Northampton County); On-site; USD 60,000 - 100,000; Full time

Job summary

Join a prominent financial institution dedicated to community service and employee growth. As a CML Relationship Manager, you'll leverage your extensive commercial lending experience to develop new business, manage loan portfolios, and foster customer relationships. This role emphasizes financial analysis and sound credit judgment, allowing you to make impactful decisions that enhance the bank's visibility and profitability. With a commitment to diversity and community engagement, this position offers a unique opportunity to contribute to meaningful projects while advancing your career in a supportive environment.

Qualifications

• 5-10 years of commercial lending experience in the financial industry.
• Strong skills in loan analysis and underwriting techniques.

Responsibilities

• Originate and manage complex loan requests and transactions.
• Promote profitable growth of the loan portfolio and cross-sell bank products.

Skills

Commercial Lending

Financial Analysis

Credit Assessment

Communication Skills

Customer Relationship Management

Education

Bachelor’s degree in Accounting

Bachelor’s degree in Finance

Bachelor’s degree in Business Administration

Tools

Microsoft Word

Microsoft Excel

Argus

Job description

CML Relationship Manager - Lehigh Valley PA Markets

Provident Bank is seeking seasoned Commercial Lenders to join our team!

Come learn why we are the Premier Super Community Bank!

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 OVERVIEW:

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.

KEY RESPONSIBILITIES:

1. 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.
2. Oversees the preparation of loan presentations including detailed financial analysis and assessment of borrower's financial capacity and creditworthiness.
3. Assesses lending risks, identifies offsetting mitigants and makes recommendations on loan structure displaying sound credit judgment.
4. Establishes and promotes customer and community relationships; cross-sells other Bank products and services; maintains continued awareness of market conditions and competition; continues education in financing products and techniques.
5. Manages all aspects of assigned loan portfolio with emphasis on covenant and bank policy compliance, credit quality and delinquency control.
6. Facilitates closing of the loan transactions with strict compliance with approved terms and conditions.

MINIMUM QUALIFICATIONS:

1. 5-10 years of related commercial lending experience within the financial industry.
2. Bachelor’s degree in Accounting, Finance or Business Administration.
3. Comprehensive loan analysis experience.
4. Comprehensive financial analysis experience.
5. Comprehensive knowledge of underwriting techniques.
6. Proven new business track record.
7. Strong oral, written and communication and management skills.
8. Proficient with software programs (Microsoft Word, Excel and Argus).

WORKING CONDITIONS:

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

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, 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.