VP - Relationship Manager II - C&I

Provident Bank; Woodbridge Township (NJ); On-site; USD 123,900 - 170,000; Full time

Benefits offered by this job

PTO & Holidays

Health, Dental & Vision

401(k) Plan

Tuition disbursement & loan repayment

Disability Insurance

Employee Assistance Program

Job summary

Provident Bank in New Jersey seeks an experienced VP – Relationship Manager II to originate, evaluate, and structure complex loan requests, oversee day‑to‑day portfolio management, and cross‑sell bank products and services to key clients.

This senior role requires strong credit judgment, a proven new‑business track record, and the ability to build lasting relationships with clients and communities while upholding policy, risk standards, and regulatory compliance.

Qualifications

• 5–10 years of related experience within the financial industry.
• Bachelor’s degree in Accounting, Finance or Business Administration.
• Comprehensive loan and financial analysis experience.
• Knowledge of underwriting techniques.
• Proven new‑business track record.
• Strong oral, written, and communication and management skills.
• Proficiency with software programs (Microsoft Word, Excel and Argus).

Responsibilities

• Solicits credit‑worthy potential and existing customers to develop new business.
• Promotes profitable growth of the loan portfolio and customer responsiveness.
• Oversees loan presentations with detailed financial analysis and borrower creditworthiness.
• Assesses lending risks and recommends loan structures with sound judgment.
• Establishes and promotes customer and community relationships; cross‑sells other bank products.
• Manages all aspects of the loan portfolio with emphasis on policy compliance and credit quality.
• Facilitates closing of loan transactions in line with approved terms.

Skills

Credit analysis

Financial analysis

New business development

Communication skills

Leadership

Education

Bachelor's degree in Accounting, Finance or Business Administration

Tools

Microsoft Word

Microsoft Excel

Argus

Job description

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

The VP – Relationship Manager II is responsible for originating, evaluating, and structuring complex loan requests and transactions. Additional responsibilities include overseeing day‑to‑day portfolio management and cross‑selling of the Bank’s products and services and increasing the Bank’s visibility and presence in the marketplace. This is a more experienced position within the family.

Key Responsibilities

• 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.
• Oversees the preparation of loan presentation including detailed financial analysis and assessment of borrower's financial capacity and creditworthiness.
• Assesses lending risks, identifies offsetting mitigants and makes recommendations on loan structure, displaying sound credit judgment.
• 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.
• Manages all aspects of assigned loan portfolio with emphasis on covenant and bank policy compliance, credit quality and delinquency control.
• Facilitates closing of the loan transactions with strict compliance to approved terms and conditions.

Minimum Qualifications

• 5–10 years of related experience within the financial industry.
• Bachelor’s degree in Accounting, Finance or Business Administration.
• Comprehensive loan and financial analysis experience.
• Knowledge of underwriting techniques.
• Proven new‑business track record.
• Strong oral, written, and communication and management skills.
• Proficiency with software programs (Microsoft Word, Excel and Argus).

Working Conditions

Work is mainly performed in a normal office environment. Noise levels are usually moderate. May also involve travel to customers and property locations.

• Prolonged sitting.
• Lifting from 5 to 10 lbs.
• Occasional bending or overhead lifting.
• Hazards are primarily those present in a normal office setting.

Pay Details

Salary: $123,900 - $170,000 annually.

Base pay 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, 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.