Relationship Manager, Middle Market Lending - Westchester County Expansion

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

Benefits offered by this job

PTO (Paid Time Off)

Holiday pay and bank holidays

Health, Dental and Vision plans

401(k) Retirement Plan

Disability Insurance

Employee Assistance Program

Tuition Disbursement and Loan Repay- m

Voluntary benefits: Life, Accident, &

Job summary

Provident Bank is expanding into Westchester County, NY, building a high-performing Commercial Banking team to support growth. The Relationship Manager for Middle Market Lending originates, structures, and manages complex credit relationships with middle-market clients, delivering a full banking relationship.

The position focuses on business development, relationship management, credit quality, and risk mitigation while cross‑selling depository, Treasury Management, Wealth Management, and other

Qualifications

• 5 - 10 years of progressive commercial lending experience

Responsibilities

• 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.
• 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.
• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
• 5 - 10 years of progressive commercial lending experience, including significant middle‑market relationship 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).

Skills

Credit analysis

Underwriting

Loan structuring

Portfolio management

Financial analysis

New business development

Negotiation

Risk assessment

Communication skills

Analytical skills

Education

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

Tools

Microsoft Word

Microsoft Excel

Job description

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 Middle Market presence and deepen relationships in the market.

The Relationship Manager for 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

• 5 - 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.

Provident Bank is 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

$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.