Relationship Manager, C&I Lending - Westchester County Expansion

Provident Bank; New York (NY); On-site; USD 154,000 - 200,000; Full time

Benefits offered by this job

PTO

Health and Wellness benefits

401(k) Retirement Plan

Tuition Disbursement and Loan Repay

Disability Insurance

Employee Assistance Program

Life Insurance

Job summary

Provident Bank in Westchester County, NY is seeking an experienced Relationship Manager to originate, structure, and manage complex C&I lending relationships in the middle market.

This role focuses on driving new business, expanding client relationships, and delivering tailored financing solutions, while partnering with credit, treasury management, and operations to ensure timely loan closings.

Qualifications

• Bachelor’s degree in accounting, Finance or Business Administration required.
• 5-10 years of progressive commercial lending experience and credit exposure.
• Expertise in credit analysis, underwriting, loan structuring, and portfolio management.
• Comprehensive financial analysis experience.
• Proven track record in originating and growing profitable commercial lending relationships.
• Strong analytical, negotiation, decision-making, and risk assessment skills.
• Excellent written and verbal communication skills with clients and internal credit committees.
• Proficient with Microsoft Word and Excel.

Responsibilities

• Build and manage long-term client relationships with business owners and C-suite executives.
• Drive new business growth by sourcing and expanding relationships with creditworthy clients.
• Identify cross-sell opportunities across deposits, Treasury Management, Wealth Management, and other bank products.
• Oversee loan origination, including financial analysis, creditworthiness assessment, and loan presentations.
• Evaluate lending risk, define mitigants, and structure loans with sound credit judgment.
• Manage loan portfolio with focus on credit quality, covenants, and delinquency control.
• Ensure timely and compliant loan closings.
• Collaborate with Credit, Treasury Management, Operations, and Risk for seamless client experience.
• Stay informed on market trends and industry risks to guide strategy.
• Mentor junior relationship managers and credit staff.

Skills

Credit analysis

Underwriting

Loan structuring

Portfolio management

Financial analysis

New business development

Negotiation

Risk assessment

Communication skills

Education

Bachelor’s degree in accounting, Finance or Business Administration

Tools

Microsoft Word

Microsoft Excel

Job description

Relationship Manager, C&I Lending - Westchester County Expansion

Provident Bank is expanding into Westchester County, NY, and we are building a high-performing Commercial Banking team to support this growth. We are seeking experienced Commercial Relationship Managers to join the excitement. This role is a key hire as we expand our presence and deepen relationships in the market.

POSITION SUMMARY:

The Relationship Manager for C&I is responsible for originating, structuring, and managing complex commercial and industrial lending relationships within the middle market segment. This role focuses on driving new business development, expanding existing client relationships, and delivering tailored C&I financing solutions to meet the working capital, growth, and operational needs of clients.

The Relationship Manager serves as a trusted advisor to business owners, CFOs, and executive leadership teams, leveraging strong credit acumen and sound judgment to structure solutions including revolving credit facilities, term loans, and asset-based lending. This individual is accountable for portfolio performance, revenue generation, and maintaining strong credit quality, while enhancing the Bank's visibility and presence within the C&I market.

KEY RESPONSIBILITIES:

• Build and manage long-term client relationships, serving as a trusted advisor to business owners, C-suite executives, and Centers of Influence.
• Drive new business growth by sourcing, acquiring, and expanding relationships with creditworthy clients in alignment with bank policies and procedures.
• Identify and execute cross-sell opportunities across deposits, Treasury Management, Wealth Management, and other bank products and services.
• Oversee loan origination process, including financial analysis, creditworthiness assessment, and preparation of loan presentations.
• Evaluate lending risk, identify mitigants, and recommend appropriate loan structures demonstrating sound credit judgment.
• Manage assigned loan portfolio with a focus on credit quality, covenant compliance, and delinquency control.
• Ensure timely and compliant execution and closing of loan transactions in accordance with approved terms.
• Partner with internal stakeholders (Credit, Treasury Management, Operations, Risk) to deliver a seamless client experience.
• Maintain awareness of market trends, competitive landscape, and industry risks to inform business strategy.
• Support team development by mentoring junior relationship managers and credit staff.

MINIMUM QUALIFICATIONS:

• Bachelor’s degree in accounting, Finance or Business Administration
• 5 - 10 years of progressive commercial lending experience and credit exposure.
• Demonstrated expertise in credit analysis, underwriting, loan structuring, and portfolio management.
• Comprehensive financial analysis experience.
• Proven new business track record.
• Proven track record of originating and growing profitable commercial lending relationships.
• Strong analytical, negotiation, decision-making, and risk assessment skills.
• Excellent written and verbal communication skills with the ability to present effectively to clients and internal credit committees.
• 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.

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.

$154,000 - $200,000 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.

About Provident Bank

For more than 180years, 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?

• We get to volunteer in areas that are meaningful to the bank and impactful in the community.
  
• 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.