Relationship Manager III - Middle Market Lending, Northern NJ

Provident Bank; Paramus (NJ); On-site; USD 146,000 - 240,000; Full time

Benefits offered by this job

Health benefits

401(k) plan

Tuition assistance

Loan repayment programs

Paid time off

Job summary

Provident Bank is seeking a Relationship Manager III – Middle Market Lending to originate, structure, and manage complex credit relationships with private middle-market clients (revenues $100M–$1B). You will drive business development, serve as trusted advisor, and cross-sell treasury, wealth, and other commercial products.

The role demands deep credit acumen, rigorous financial analysis, and leadership to mentor junior staff, while ensuring compliance and risk mitigation across a diverse client

Qualifications

• Bachelor’s degree in finance, accounting, business administration, or related field.
• Minimum of 10 years of progressive commercial lending experience.
• Strong credit acumen and risk management skills.
• Proven ability to originate and grow middle-market lending relationships.
• Excellent analytical, negotiation, and communication skills.
• Proficient with Microsoft Word and Excel.

Responsibilities

• Originate new middle-market lending relationships and cross-sell bank products.
• Structure and evaluate complex commercial credits and loans.
• Prepare loan presentations with financial analysis and risk evaluation.
• Manage loan portfolio quality and compliance with policy and regulatory requirements.
• Collaborate with Credit, Treasury, Operations, and Risk teams.
• Mentor junior relationship managers and credit staff.

Skills

Credit analysis

Underwriting

Loan structuring

Portfolio management

Financial analysis

Business development

Relationship management

Negotiation

Communication skills

Microsoft Excel

Education

Bachelor’s degree in finance, accounting, business administration, or related field

Tools

Microsoft Word

Microsoft Excel

Job description

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 role serves clients across a diverse range of industry verticals, including Food & Beverage, Transportation & Logistics, Manufacturing, Distribution & Wholesale, Business Services, Heavy Contractors, Consumer & Retail, and Not-for-Profit organizations.

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.

Portfolio Management & Risk Oversight

• 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.

Collaboration & Leadership

• 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.

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.

Pay Details

$146,000 - $239,800 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.