Relationship Manager III - Middle Market Lending

Provident Bank; New York (NY); On-site; USD 146,000 - 210,000; Full time

Benefits offered by this job

Health and Wellness benefits

401(k) Retirement Plan

Paid time off

Job summary

A national financial institution is seeking a Relationship Manager III specializing in Middle Market Lending. This role involves originating, structuring, and managing complex credit relationships with businesses generating revenues from $100MM to $1B. Candidates should have a strong background in business development and credit analysis, as well as at least 10 years of experience in progressive commercial lending. The position offers a competitive salary range of $146,000 - $210,000 annually along with a variety of health and wellness benefits.

Qualifications

• Minimum of 10 years of progressive commercial lending experience.
• Strong expertise in credit analysis, underwriting, and loan structuring.
• Proven track record of originating and growing profitable commercial relationships.

Responsibilities

• Originate new lending relationships through business development.
• Build and manage long-term client relationships.
• Structure and evaluate complex commercial credit opportunities.

Skills

Credit analysis

Business development

Relationship management

Risk assessment

Negotiation skills

Verbal communication

Written communication

Microsoft Excel

Microsoft Word

Education

Bachelor's degree in finance, Accounting, Business Administration, or a related field

Job description

Relationship Manager III – Middle Market Lending

The Relationship Manager III – Middle Market Lending is responsible for originating, structuring, and managing complex credit relationships with middle market clients, generally privately held businesses with revenues from $100MM to $1B. This role focuses on business development, relationship management, credit quality, and risk mitigation while delivering a full banking relationship through the cross‑sale of depository, Treasury Management, Wealth Management, and other commercial products.

The position requires strong credit acumen, sound judgment, and the ability to serve as a trusted financial advisor to sophisticated middle market clients.

Key Responsibilities

Business Development & Relationship Management

• Originate new middle market lending relationships through proactive business development, referral generation, and community involvement.
• Build, manage, and expand long‑term client relationships by serving as a trusted advisor to business owners, C‑suite executives, and Centers of Influence.
• Identify and execute opportunities to cross‑sell deposit, Treasury Management, Wealth Management, and other bank products and services.

Credit Analysis & Loan Structuring

• Structure and evaluate complex commercial credit opportunities.
• Oversee the preparation of detailed loan presentations, including comprehensive financial analysis, cash‑flow assessment, and borrower risk evaluation.
• Assess lending risks, identify appropriate mitigating factors, and recommend credit structures that align with bank policy and sound credit practices.
• Manage all aspects of an assigned loan portfolio with a focus on credit quality, covenant compliance, policy adherence, and early identification of risk.
• Monitor portfolio performance, address emerging issues, and partner with Credit and Risk teams to resolve problem credits when necessary.
• Ensure all loan transactions are closed in strict compliance with approved terms, conditions, and regulatory requirements.
• Work closely with internal partners including Credit, Treasury Management, Operations, and Risk to deliver a seamless client experience.
• Serve as a mentor and resource for junior relationship managers and credit staff, sharing expertise and supporting team development.
• Maintain awareness of market trends, competitive dynamics, and industry risks affecting middle market borrowers.

Education

• Bachelor’s degree in finance, Accounting, Business Administration, or a related field.

Work Experience

• Minimum of 10 years of progressive commercial lending experience, including significant middle‑market relationship and credit exposure.

Skills and Training

• 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

• 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.

$146,000 - $210,000 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 is incentive eligible based upon 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.

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.